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I had to book in for a bit of a catch up in relation to some changes to your circumstances and also talking about subdivisions. Is now still a good time there for you? Yes. Yeah. Have a chat. Yeah. Yeah. No. Absolutely. All good. So, essentially, we have the advice all ready to go, but one of the things that was kinda noted was you've had a change in your circumstances with your employment. So you're on a higher income at the moment. Is that right? Yeah. Beautiful. So I believe it's 230,000 per annum. Is that correct? Or Yeah. Yep. Yeah. So take home pay, we've got, I believe, gross is 8,846 and 15¢ per fortnight, and then net is about 5,733 and 32 cents. That's okay. It's I've got $8,846.15. Is that month or fortnight? Sorry. That's okay. You're right. That's that's absolutely fine. Perfect. So sorry. Can I get you to repeat that last one for me? So it was 5,000 yep. Perfect. Net. And so the other one would have been the gross. Yep. Beautiful. And is that fortnightly? Yeah. Beautiful. Not a problem at all. I'll go back and redid the numbers there for you. It's just mainly for the insurance side of things and looking at contributions going in there. With the insurances, we were looking at making sure if anything happened to you, that your life cover and your TPD covered your mortgage completely, so it's made it free and clear, and then also one year's worth of net income. We were also looking at the tax component for TPDs and making sure that the amount paid out was after the possibility of the tax for TPD if you're under the age of 60. And then with the income and then so with TBD, we're also factoring in a bit more income. We're looking at sort of five to ten years worth of income because you are still alive and could be needing ongoing medical support and recovery replacement of things. With the income protection side of things, we were looking to reduce the waiting period to thirty years, have a five year benefit period, but then making sure that you had up to 70% of your income covered in the event of anything happening. Does that still sound fairly accurate? Yep. Yes. Yeah. Absolutely. Absolutely. So one yeah. No. Absolutely. Absolutely. No. Look. I had come up with a recommendation for you. I'll just go back and redid the numbers there. Just with the increase in the income side of things for you, just to kind of work out, I can do one of two things for you. I can definitely work out the new amount you need based on that goal and make the recommendation for those exact amount, show you the cost of it, the effects, the long going ongoing terms there. However, when we do look at, especially with power with insurers, when you are getting essentially a high amount of, say, life PPD, critical illness, and income protection, depending on the amount in your age, once you kinda get up above those sort of 2,500,000 mark to 3,000,000 mark, they actually start having mandated financial and medical underwriting. Did you want me to, if your goal exceeds those, look at maybe showing you what the reduced amount looks like to keep you under those limits, or would you like to see both? So mandated medic. Yeah. Yeah. Financial is looking at essentially your assets and liabilities, making sure that what you have or what you're applying for matches what you realistically need. So they'll wanna see, you know, what your assets and liabilities look like. They'll wanna know, you know, a bit more about your income coming in and things like that. Generally speaking, given your age, because you are still quite young sorry. It's around about that 2,500,000 mark, so I could look to just keep the the amounts under those mandated financial limits if you like to make sure that you don't have to undergo any additional underwriting that's not required as part of the application. You were pretty close. So when I looked at it last time for life and TBD to keep you above the tax level for TBD, we were actually needing to apply for 2.8. So I could reduce it back a little bit just under the 2.5 to limit any financial underwriting that isn't, you know, that you don't need to go through. Realistically, if you don't hit those limits, they don't ask to do any financial underwriting, And medical underwriting only only comes to play if there's something in the application that flags that they need to assess for you. But if you apply for really high amounts above that 2.5 to 3,000,000 mark, Because they are taking on a lot more risk with regards to the amounts they have to pay out, they wanna make sure that that you are healthy, that they are you know, the risk they're taking is worth it. So that's why they have those stipulations on those higher sums insured. Yeah. Yeah. Basically. Yeah. Yeah. Did you want me I can look at both if you like. I can look at recommending what you need and showing you the cost of that, but then in the appendix, I can always put down, you know, the difference if you went just under those amounts. Yeah. Yeah. Abs absolutely. Yeah. Just for TPD, but, realistically, I mean, if you were to claim on TPD, we're gonna help you with that claim. But then I'm also gonna give you advice on what to do with the funds to help you limit the tax consequences there. So we can do everything in the event of a claim to help. And the biggest risk with having TPD or any insurances is that you pay all the premiums for years and years, and you never actually claim on them. And then you discover you don't need them anymore, and they just get canceled too. So yeah. Yeah. Absolutely. Absolutely. Yeah. That's okay. If you like, I can go back and do the recommendation based on what you actually need and show you the effect of that, but then I can also go back for you if you like and do the just under those limits and show you the difference, one in the recommendation and then one in the appendices, then you can decide which way you wanna go with that. Does that sound okay? Yeah. Beautiful. Excellent. So I'll get on to that one for you, and we'll have that advice document sorted out. It's only a small change to make, so we'll go back and have that updated for you. It's not a problem at all. Easy. All good. And with contributions with your new employer, are they just paying the standard 12%? You're not getting anything additional on top of that at the moment? Yeah. Yeah. No. Understandable. Understandable. All good. Well, that is not a problem. I'll go back and read you those numbers there for you, and I'll be able to have the advice document done. I'll book you back in for two weeks. Is there a preferred day or time to go through the updated advice there with you, Matthew? Yep. So we're looking at Monday at 03:30. I do have an appointment that time, but I could do the 05:00 appointment afterwards if you prefer, or I could do the Tuesday, the twenty sixth. Oh, that's okay. That's okay. So sorry. I just realized it's only one week. Two weeks is the June 1, and it's fine. Sorry. Oh, no. All good. So I'll pop that in there for you for 03:30. No. You are oh, you are absolutely fine. I've popped that one in there two weeks for you. My apologies. The month is flying by. It's crazy how fast everything goes. Beautiful. All good. Well, perfect. So the advice, everything's good to go. I'll just go back and rejig that for you and have it ready on the June 1 at 03:30. That's not a problem at all. Is Camille there? Did she wanna jump on to Hot Chat about the the investment side of things and the subdivision? I'm sorting out the kids. Oh, legend. Yeah. You're right. You let me know when. Not a problem at all. If you if with the kids there, if they are, you know, you need a minute, just tell them to stop. It's not a problem. Love it. Yep. Big day at school. Gosh. That's it. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yes. Absolutely. Absolutely. And that was the one thing because I know we booked this appointment prior to the budget coming out last week, and then I was looking through it going, oh, no. This is gonna affect our conversation pretty heavily, actually. Yes. Yes. Yeah. Definitely. So one of the things that obviously, when you're talking about you've you know, you're making a really good income at the moment. You're wanting to look at ways to invest. Are you sort of hoping to be able to maybe reduce some of the taxable tax that you're paying towards your income, kind of free up some extra cash flow? What's the with purchasing another property or subdividing? Yes. Yes. Yeah. Mhmm. Yeah. Yeah. Of course. Yeah. No. Absolutely. Definitely. So you've been looking sorry. You're right. Yeah. Yeah. Yes. Yes. Yeah. Yeah. Absolutely. Well, I've done I've got a bit of information here on the the side around the subdivision side, and it's not a bad idea, realistically. And under the budget, that does meet, you know, the idea of being able to negatively gear and also utilize the 50% CGT method because that's one of the big things we wanna look at is, you know, if you were to go and buy another property, another preexisting property, whilst buying that now still allows you to negatively gear until this bill goes through or if it goes through with the current, you know, amendments. Exactly. Once this bill then goes through, that changes everything that you're able to do, and then you've purchased the property. And markets a lot of markets are currently starting to have a bit of a decline. So I know Sydney and Melbourne have started to see a bit of a decline, so Brisbane will, at some point, see some sort of a decline as well. So it's about kinda just making sure that whatever you're doing now to get an investment is gonna be okay for the long run. You don't wanna kinda get to July next year and discover everything goes through, and then you can no longer know, it's gonna cost you more money. So, realistically, in order to subdivide, are you okay if I start running through the information now? Or yeah? Oh, beautiful. Hi, Camille. How are you? Oh, no. All good. So, realistically, in order to subdivide, most of them take anywhere up to about two years. Majority is around about eighteen months. The process generally starts where you're looking at the initial planning and research, which depending on how things go and, you know, if things stay on time, can normally happen within about one to two to three months. You're looking at consulting with professionals like land surveyors, conveyances to understand the feasibility of the subdivision plans, looking at rezoning laws and making sure that your plans are in line with those sorts of things, making sure the property is eligible for subdivision, accessing infrastructure to determining if there's any additional infrastructure or utilities or public spaces or anything that need need to be added into the area or into the the land to be rezoned and subdivided. And then starting the pre application after that point, which is essentially looking at engaging a surveyor to make sure the application's done correctly with the proposal for the subdivision, looking at initial surveys and gathering all that data to have lodged with the pre application. Then application stage can take anywhere from two to four months if on point. It also comes down to what your council is like and how often they approve things or, you know, what backlog they may be having at the moment as well. And going down the track with what's happening in the budget, this could become a little bit more prevalent, as there are gonna be so many stipulations around what investors can essentially do. So once you're kind of in that can essentially do. So once you're kind of in that application stage, you're lodging the application for it. So it's preparing, submitting, looking at waiting for council assessment, and then often just going back and forth, making changes to the plan if it's not up to their standard. They wanna make changes or if zoning requires new things, so updating the plans when need be. If all goes well within about sort of three to six months, you can have that conditional approval, which is fine, And then it's sort of looking at address addressing any additional council conditions if they've stipulated additional conditions to the plan or if they've stipulated any additional conditions to the building. Looking at setting up the infrastructure, so organizing builders and things like that to to make sure that everything's in line with it. And then it sort of starts going down the the subdivision route, and we're looking around about, you know, another five to six months to go through the, you know, the preparation of the land, the lodging of the registration of the title. We're looking at the sorry. My throat is still happening. We're just looking at, you know, all the different factors there and then the building of the properties as well, so making sure that everything sort of stays on track with that. Most of them take anywhere from eighteen months to just over two years. I have seen some take a little bit longer. Subdivision is a good idea if it's something you wanna do. It does keep in line with the budget, and one of the things that allows you to, a, utilize negative gearing, but also the 50% CGT or lets you choose between the 50% CGT or the indexation method is essentially where a duplex is constructed so you're knocked down and rebuild. So you have to be willing to knock down your current property and rebuild two properties because you have to add to the housing market. So one of the non eligible conditions under the budget is that you can't put on a granny flat or another house in your backyard. You have to physically complete a full knockdown and a rebuild of that property. So you might need to look at buying something as your main primary residence beforehand and then going to the process of the subdivision as well, which depending on sort of what you're after, can put a bit more of a strain on the budget. You are sort of outlying. I know with most building loans, you pay they don't sort of rec need you to pay anything a lot back in the in the early end. Everything's sort of done in stages. So you would be paying normally. Could depend on the loan you get, but it's normally interest only until the handover of the property and the property is completed, and then you start paying PNI if that's the way the loan is set up. Often, repayments can be a little bit easier, and drawdowns happen as soon as, like, one section is approved by, you know, the builder. Once the builder is completed, he gets it reviewed and checked. And once that's being checked and it's approved, then the next stage happens, and the banks require certificates at each stage to allow different drawdowns for you. So that is definitely one way of doing it. Another way is obviously looking at home and land packages. So I know they are a lot smaller. They're a lot different. I'm not sure what they're like in your area, but you could also look at maybe buying a home and land package or two or something. If you're looking to sell your property, maybe buy, you know, a new house or something for yourselves to live in, and maybe if you still want an investment property purchasing, like, a home and land package somewhere. That way, you are still buying a brand new house. It's still giving you eligibility for that negative gearing, and that's probably one of the big things. It's the negative gearing. That's the way the the rental property goes for you, helps you to save on the amount of income tax you are paying, can provide a greater tax deduction each year. And that's one of the main reasons investors have property is to take advantage of those tax deductions to put as much money they can to the into the investment property and sort of save on their income tax, especially when you are a high income tax payer. But like yourself, you're on a very high income. So but in order to Yeah. Yeah. That one ninety is that cut off at the moment. Yeah. But yeah. I mean, the subdivision's not a bad idea. It's more just about how much time you have to put into that. Generally speaking, the average cost of this is about a 150,000. That's not including rebuilding another another property on the land. So you'd need to make sure you've got that capital upfront. I would definitely speak to a mortgage broker and look at maybe what your borrowing capacity looks like, and maybe have a chat with some real estate agents and see in the area and find out if you were to sell the property, what would they get for it, how quick are they selling properties, and is this a, you know, a good idea for the area at the moment, you know, with your with your houses and if it's in a good family area close to schools and parks and things like that, it might be really quick to sell off. So properties are still selling. I know housing market has sort of decreased in a lot of areas, but real estate agents are still selling properties. People still wanna get into the market. So it could still be a good time to assess that, but it just comes down to the time capacity you have to do this to liaise with the conveyances, with the builders, with the land and titles office, and with your local council to make sure all the plans go through. There's often quite a lot of back and forth as well. I have seen a few where it's taken longer than the eighteen months to two year mark because it's got a lot of back and forth with the plans. There's had to be changes made to it or councils decided that something's gonna happen with that that area, and they've decided the subdivision is not gonna be viable and not gonna go through. So it just sort of comes down. There's a lot of factors that can go into it, but it's not at all a bad idea for something you wanna do. It might just mean you'd have to maybe buy something to live in as your main primary residence first. That way, you've got you've got that capacity to go through the subdivision and knock down the house and then build those two properties. That way, you are still meeting those conditions under the new legislation if it goes through. Yeah. Mhmm. It does. Yeah. So under the under the eligibility for the new build, they've given four conditions. The first one is a newly constructed apartment bought off the plan, a duplex a duplex constructed through a knockdown and rebuild, replacing a single freestanding house, which is where the subdivision side of things comes into. Or if you don't decide to subdivide and you wanna keep it as one titled property and you can just then look to maybe knock down the house and build through, you know, duplexes whether it be attached without the subdivision side of things, but it still has to go through council approval to be able to look at that. The other two conditions under the new legislation, if approved, is any residential construction on a previously vacant land so you could buy land somewhere else and maybe build on it that way as well. Oh, the last condition is a newly built property which is occupied for less than twelve months before being first sold. So if someone else has maybe built a house or, you know, build a house in the short term and they've only owned it for less than twelve months and then then they sell it on to you, then that still meets that condition of a new build as well. Under the section where it's not eligible for a new build, they've got an established property that has recently been extended to add additional bedrooms, a freestanding house constructed through a knockdown and rebuild replacing an older, smaller freestanding house. So if you were to knock down your house and rebuild it basically and add some extra rooms, it doesn't quite qualify. A granny flat built adjacent to an established property that is not eligible for negative gearing, so they don't let us build a granny flat in the backyard and rent that out, unfortunately. And then yeah. And then the last one there is a newly built property, which has been occupied for more than twelve months. Doesn't meet that criteria either, unfortunately. Yeah. Yeah. Yeah. It can do. The biggest thing I tend to find, though, is you make more when you've gone through the process of building something. So selling vacant land tends to be a little bit harder because then people have to go through the zoning and the planning process to build a property. So if you were to, you know, subdivide, build two properties, and sell one off, you're probably gonna make a little bit more money in your area doing it that way. People tend to like to be able to move into a house pre done than starting from scratch, especially, you know, in built up areas like the Gold Coast and Brisbane. It just seems to be a lot easier, and building can take a bit of time. I know there was a couple of years ago quite a backlog in building, so I'm not sure what the construction industry looks like in your area at the moment, but so long as they don't have a huge backlog, it could definitely make things a little bit easier. The other side of it is if you're not too worried about the negative gearing side of things, you could always just buy this investment property to start with, look at building that up. With the changes that are proposed, you won't be able to use the negative gearing. So you won't be able to claim the tax deduction for the difference between your rental income and the cost you outlay for that, but that difference will be continuous. It's essentially looking at, like, being a loss, and they will essentially keep that loss carry forward until you sell the property. And even when you sell the property, whilst they will have it, if this goes through, that it will have to use the indexation method, that loss will be carried forward continuously. So you can offset that against the gain that is made when you sell the property. So that could provide a bit of a, yeah, a little bit less of a capital gain down the track. It just kinda comes down to is if this is implemented with no changes, what changes come into play. The other side of this is they may go through this because it's a bill at the moment. It's then gonna go to the lower and the upper house. It may get to these houses, and it doesn't go through as it is. They may have to make changes to this. So it could even be worthwhile if you guys just hold off. I know it's, you know, a little bit down the track, but if we just hold off for a few months and see what what's going through with the legislation, what it looks like it's gonna turn into, that way we're not sort of jumping into something and going, hey. Let's start this now. Then changes come to the bill, and it does and it affects you a little bit too much. So there's also that risk that there are changes that could happen to this bill as it goes to the lower and the upper house in order for it to go through as well. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. It's a lot of money to sorta have start off with. I mean, you could borrow for that, but it would then sort of lock you into doing something and following through. The bill biggest risk we have at the moment is with this legislation just coming out last week with the budget. It's just that it's just the bill at the moment, so we have to wait for it to start going through to sort of see what's gonna happen, whether changes are gonna be made, whether it's even gonna go through. Because the other side is if this doesn't go through and there's no changes to the negative gearing, then you could essentially keep the property you have, buy yourselves a new property, rent that out, and still take advantage of that negative gearing side of things and just buy something for yourself, which could be a much more cost effective way for yourself. Essentially, with the property you're in at the moment, if you were to buy something else as your main primary residence, you start renting that one out. The loan you have on that property immediately starts to become a an investment loan for yourself. You don't have to restructure the loan if you don't want to. So there is that advantage, and it might be more cost effective as well. But, yeah, the biggest risk we have at the moment is that there's just too many unknowns with this bill with what's gonna happen, and jumping into things now could mean that we, you know, have a bill that goes through with changes, which meant that, you know, depending on what you go with, it might not qualify. We might have to make changes to it. You know, this could maybe not even go through. It really just depends. It looks like at the moment they could have enough it looks at the moment the lower house has enough support for it, but there's it could go either way when it gets to the upper house. So we just do not know what's gonna happen with this at the moment, and this is probably the biggest thing that sort of affects what you can and can't do. The other option is if you do decide, you can just look at, you know, keeping the house you're in now, making it into a rental or an investment property, and positively gearing it. The only then risk factor is you are increasing your income tax because you're increasing the the income that's coming in, and that could mean you pay more income tax, which is probably not preferable for you guys. Mhmm. Correct. Yeah. Yes. Mhmm. It would yeah. Because in order for it to be exempt from the new changes, if they go through, you need to have owned the investment property prior to the 05/12/2026 at 7PM when the budget was released. So anyone who currently owns the property is absolutely fine. They'll be able to grandfather their negative gearing, and it doesn't have an end date at this point in time. There could be changes. They could have an end date. But anyone who buys a property now, between now and, say, the July 1, whilst right now with this bill not being through, not being legislated, you can make it here in the in this financial year and next financial year up until the 07/01/2027 depending on whether the bill goes through. But then it means if this bill goes through as of the 07/01/2027, that will stop, which means that people will either need to increase rent to cover it or they'll be essentially negatively gearing a property and carrying forward losses until they sell that property. And then they'll have to, you know, hopefully, not pay as much tax. But it just it it's such an unknown. And with the yeah. Yeah. And with with well, the ATO will track it. Like, well, you sort of still have to put everything into your tax return to show how much you're spending, how much you're making, what's happening. It just means that the gains will be carried forward, and there'll be a record of that. Because whenever we sell a property, you still have to declare that to the ACO. It just depends on when we declare that, we either either stated the main residence for an exemption or it was, you know, purchased at a certain point in time or we add in a few additional optional extras to kind of show how much we have to pay. And the ATO kinda work it out, but there's a few things that we do when we do sell properties. But, yeah, it all comes down to is this legislation going to go through, and how does it go through? Are there any changes? And that is the biggest risk at the moment is what happens with this legislation and how is it going to affect people. So I'd be more inclined to suggest maybe just to hold off for the time being, keep saving money for the moment, and let's just see how the next sort of six to twelve months go with this legislation. What does it look like? And when you get close to understanding what the legislation's gonna look like as it goes through if it goes through, then it'll give you more certainty around what you can and can't do with investments and how to make that work for you. Does that make sense? Yeah. Yeah. Yep. Mhmm. Yep. It has been. Yeah. Yeah. It is really tough because normally, it sort of go towards trust, family trust, and things like that. However, the the family trust is also supposed to get hit. So at the moment, family trust, when you have one, in income goes or the whatever's owned by the family trust makes the income, and then the income just gets distributed to the beneficiaries. And you can work the trust so you distribute income to lower, you know, to lower like, if you between yourself and Camille, if Camille's on less money than you, you could put more income to her at a lower tax rate than yourself, and you can distribute that those funds to income in a much more conservative way. However, with the new changes, trust are gonna have to pay income income tax at about 30%, and then it gets distributed out. If it gets distributed to an individual, then the income distributed to the individual gets added to their taxable income. They do get a bit of an offset. Or if they're on a higher tax rate, they might have to pay the difference between the 30% and their marginal tax rate. But if they're under that if they're under that sort of 30% tax rate, then they should be able to get a bit of a break or a bit of an offset for it. But if it's a company, then the inside the trust, they pay that 30%, and then the income is distributed to the company, and the company still has to pay their tax rate at 30% as well. So it does work out a lot harder. The other side of opening up a trust is that you don't wanna buy a property and then open a trust. Realistically, it's best to open a trust and then buy property because if you buy property in your own name, then open a trust, you're changing the ownership structure, which means you've gotta look at capital gains for yourself for transferring the property in. You've also gotta consider stamp duty and things like that. It's basically the trust ends up buying the property from you, and it can have tax consequence effects there as well. So there are definitely structures that we can use, the structures we like using as advisers, but right now, unfortunately, the the the new bills are kind of hitting the tax side for all of those structures except the company at the moment. So the other thing is a lot of property investors I've met in the past have set up companies, and they've bought properties under a company, but then you've also got a note that's another income stream, another business that you're an employee of. So there are tax consequences around that side of things. So we just have to at the moment, as an adviser, we're just watching this very closely to see what it might look like and how it's gonna affect, to see where which way we go for different clients depending on their goals. It's a very fun time. I tell you what. Absolutely. Absolutely. Absolutely. And, I mean, look at they could there's a chance that none of this may go through. There's a chance that it might not go through at all, but there's also the risk that it will go through exactly as it is. And anyone who's jumping on board or hasn't already got an an investment property won't be able to negatively gear once we kinda get to that point if this all goes through. So there's just a lot of uncertainty in the air, which has all been created in the last couple of days, and it's all just about watching and waiting to see what happens. I've got another client who I suggested just hold off. Just wait. Let's just save your pennies, put some more money into your offset account. Let's just sit there for the moment because if we make a move now, it could be the wrong move, and we don't wanna do anything rash just because of the legislation that could go through. Sometimes it's best to just to hold off and wait. We could be lucky. We could find out if this goes through. It could entice property prices to to drop a little bit. There could be a mass sell off, which could, you know, increase the amount of property in the market, and we could see property prices decrease a little bit as well. So there's a few different things that could come from this depending on how it goes, but I'm just sort of glued to watching every move they make with all these to see what what is possibly gonna come out of it because there's just so much uncertainty currently. Yeah. Yeah. Yep. If the bill doesn't you're right. If the bill doesn't go through, your goal essentially is looking at getting a bigger family home for yourself. So if the bill doesn't go through and, realistically, what you could do, the easiest and cheapest option would be to buy a property, your next family home, keep as your main residence because you're likely gonna have a higher loan on that property, and the loan on your main primary residence is nontax deductible. And then the loan you have on the property you currently have becomes tax deductible, keep that property, and rent it out, and hopefully try to negatively give that a little bit so that, you know, you get those tax breaks there. That would be the most cost effective way to meet that goal. It gives you a new family home, hopefully, something that's bigger that suits you guys a bit more closer to the area that you wanna be in, and then you can still keep that property you have at the moment that that you really enjoy and just, you know, know, rent it out for a bit of time until you know? So so much time you decide you don't wanna subdivide or you wanna sell it off or depending on what your goals are down the track. But if this bill doesn't go through, that's generally the easiest option and the cheapest option and the fastest option to go through. Yeah. That that one would be. Subdividing in the future would be fine. It's just the the long term cost of it. You just gotta make sure that the cost is going to work to work for you. I could, down the track, if you like, provide a bit more advice around whether it's viable, but we'd need to understand a bit more around the cost of the conveyances, how much it's gonna cost to have all the conveyances and the mortgage brokers and the the cost of building and things like that. If I can get a breakdown of all those costs individually, we can have a look at that as opposed to what you current yeah. You currently have with the house and maybe renting that out and see which option's viable. But, realistically, just look at your goal at the moment. It's keeping the property, renting it out. That gives you income faster. It's less likely to be, you know, empty for a certain period of time by your other property. The loan you currently have, you can take some equity, sorry, out of your current property to help you buy another property so you can have, you know, your forever home or the next time that you guys are after in a better location, a bit bigger, in more in a more of a place that you're comfortable being. You can keep the the property you do have here that you do like as well. Rent that out. You get them to then negatively gear that property as well as have your sort of forever home over there, and it tends to be a lot more cost effective to do that. It's also a lot quicker our process can be done in only, you know, one to two to three months as opposed to, you know, twelve to two years depending on how long it takes to go through the whole subdivision side of things, if that makes sense. Yeah. Yeah. Absolutely. Yeah. Definitely. So with serviceability wise, with the income, I would just sort of, you know, have a chat to a mortgage broker to find out what, you know, what they're sort of after. You can even have a chat to a mortgage broker now just in, you know, running up to it. We can refer you to one if you like just to sort of have a look at what your current serviceability would look like at the moment. And then sort of down the track, depending on what happens with this bill, you can kinda get a bit more of an idea of which way you're probably gonna need to go to make it work for you guys in the best possible way. Yeah. Mhmm. Yeah. Yeah. Correct. So, normally, depending on how you they structure the loan for you, you can have it structured three ways. So to give you an example, my property loan is structured to three things. I've got my main primary resident loan. I then got an equity loan, and then I've got my investment loan. Because my equity loan was my property, it was the deposit for my investment property. Those two are considered I I've got those loans solely for the purpose of income producing. So they are the sorry. Not the principal, but the amount I pay interest on the loan is tax deductible. So you can have a structured two separate ways so you separate the loans. They can also look to either cross securitize the properties so the property secure all the loans, or you can have you know, depending on how the the land to value ratio works, you can also have it set so it doesn't cross securitize. So your main primary residence is only security for that main primary loan, and then your investment property can be security for the other one. They normally have to cross securitize the equity because the equity comes out of the current property that you have. But that's often a small loan. You tend you can't usually use when they look at the equity loan to value ratio. They won't normally let you withdraw more than 80% of the equity to use as a deposit towards a new property. So they do tend to tell you how much you can limit on that, and then the rest becomes a loan. Yeah. Yep. Yeah. Yeah. Yeah. It's about just under seven hundred. You're fine. My computer is a little bit slow. It's a bit late in the afternoon. If you're doing math off the top of my head, I'll be honest with you. 700. 80% is 500 and 60,000. Yeah. Absolutely. Absolutely. Yep. Yeah. Yeah. Yeah. Definitely. Unless this all doesn't go through, there could be a whole another scenario as we kinda went through. But right now with with everything that's set up in the air and the uncertainty around what's gonna happen, realistically, yeah, if you look at maybe selling your property, which is a main residence, so there's no CGT consequences to selling your main primary residence, and then buying a new property. And you can even buy a new property prior to selling your main primary residence and having a bridging loan, and there's still no CGT consequences. So your main primary residence is fully fully exempt for CGT consequences, which is good. And then we maybe look down the track at other investments and see what we can do depending on what the, you know, what your goals are and what the legislation says we can do. Yep. Yep. Yep. Yeah. Yeah. No. Perfect. Mhmm. Yeah. Correct. Yeah. Yeah. It's structured as a bit of an investment. Investment loans can be a bit higher than main primary residence mortgages. But if you're gonna Yeah. The other side of the other side of it is if you look to sell your your main primary residence and buy another property, you don't have to do the equity side of things. You can just get you know, you can look at the equity and structure it with a bridging loan. And then when you sell your house off, the bridging loan is completely covered. The equity loan, because you're buying a new a new PPR, is just a a PPR rate, which is lower than investment because you have the intention to sell off the main primary residence. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. That sounds about right. Yeah. You are. Yeah. You are. Yeah. I know. It's a lot, isn't it? That's exactly right. Yeah. Yeah. Because realistically, if you've got an investment property and it's making an income, that income that is your your personal income from your employer, and it increases the amount of tax you've gotta pay. So if your property is not getting if you've got an investment property that's not the income coming in is less than what you're paying out in, you know, the mortgage payments, the interest, the fees for, you know, having someone look after it, like an agent look after it, then the difference of that is what the negative gearing is. The difference of that is a loss. And at the moment, you can claim that loss against your personal ink, sorry, income. Sorry. My first did it so this afternoon. But you can claim that loss against your personal income, which reduced your income tax. Yes. That's the way it works at the moment. But with those changes, that loss won't be claimable against your income. It'll only be claimable against capital gains. So it will just continuously carry forward until you sell it. Yeah. No. Absolutely. Yeah. Absolutely. Yeah. And you're sort of hoping that when you sell that property, if you sell it, that you're gonna make a profit. Whereas, you know, there have been instances where people have bought properties in Melbourne or Sydney, and whilst the market's gone up over ten years, that property itself or the area hasn't gone up as much, and therefore, they haven't made as much of a gain. Yeah. Yeah. There's a lot to think about. Yeah. No. Look. Honestly, it has actually done really, really well. So I've actually, as part of this, wanted to yeah. Yeah. Just having a quick look because I did have, as part of the call, your annual review docs here as well for you to kinda give you an update on your super. And I'll send it I'll get to my team to send through the annual review docs shortly for you as well, which has your ongoing service agreement for the next twelve months there also. But when I have a really good look at it so you're super over the last twelve months. Everything generally has been performing quite well. All in all, Matthew, you're up by 11.19% net of fees. As earnings the earnings and growth in the portfolio, you've essentially made, $76,948.55. So your portfolio has done really well even through the market ups and downs there. Most of your portfolio performed quite nicely as part of the advice. I've actually gone back and made a little bit of a dig to your portfolio. We are the Benelon Australian Equities in there hasn't been performing as much as good as we would want it to be, so we are looking to remove that and replace that with a cheaper investment option, but still keeping access and exposure to the Australian equities. So I will show you that as part of the advice document, but just making a bit of a switch on the investments there. Just making sure that we're removing anything that has underperformed. Sorry. You're at Not really. It's just No. So thankfully, Super was kinda left out of it all, but they also have got that division two nine six tax now. So if you're Super gets up over 3,000,000, there's additional taxes there. But if you're at risk of getting up over 3,000,000, I will make sure I notice that for you, and we'll do what we can to hide the funds when you are around that age of 60. The original projection. Yeah. Yeah. Yeah. And then, look, projections can change over time depending on what markets do. But, look, we're just trying to make sure we get you super to the best possible outcome. I'll keep looking at it. I'm part of this advice document. I've got a ten year projection for you to show you where we're heading over the next ten years because you are still quite young. I personally don't like to sort of project too far into the future at the moment. I think with the volatility, we should just stick to ten years and see how we go in that time frame and then make changes as we need to. But your super has done really well this year even with the ups and downs we saw. One of the biggest sort of down periods we saw was around about the March 28, which is when everyone sort of felt that really big dip. But your sleep has definitely recovered back from that, and I'm really happy that the return is received. So that's really good. Yeah. Absolutely. Yeah. Absolutely. Absolutely. No. All good. All good. Well, I'll get the advice updated. I know we've gone through a lot. And with regards to the investment property and the property side of things, there's a lot of unknowns, so it does make it very difficult to make a decision at the moment. But do you guys have any other questions? Have I answered those questions for you? Is there anything else you wanted me to look into or any other questions you might have? It did. Yeah. Yeah. Yeah. Yep. Yep. Yeah. That's it. Yeah. So there are other ways where we could look at, you know, our investments outside of Super, but you are then risking money that could be on your mortgage. Realistically, the best way is to put as much as you can into your loan, sitting in an offset account so it's offsetting the loan that you have, and just trying to build it up slowly. I tend to, when it comes to cash on budgeting, say start with something small. Do $50 a week and then build it up as you get more comfortable doing so. Whenever you get a bonus or whenever you get, you know, your tax return back, put it straight into the offset account. One of the biggest risks with doing that is people go, oh, I've got all this extra money sitting there. So we can have that extra holiday. We can go on to the movies an extra week or have an extra dinner out, and it's hard to kinda train your mind not to do that. If you have larger lump sums, putting it on the loan is a good thing because it really reduces the loan. But if you can train your brain to sort of not spend that money quickly, then putting it into the offset account is a really good idea because if you have, you know, a large expenditure, something to the kids that you have to pay for, the car breaks down, or you have to get a new car down the track, you can withdraw that money back. But whilst it's sitting in the offset account, it is offsetting the interest that you are paying on the loan and does the same thing as sitting on the loan directly. So I always suggest start with something small, $50 a week or a fortnight, and get used to putting that in there, training our brain to, you know, follow that behavior, and then keep building it up as you feel comfortable doing so. Down the track, there's also things we can also look at, you know, investment bonds or building investment accounts outside of super, but then you're sort of looking at whether the investment is is likely to get the return that you're paying on your mortgage. At the moment, we are paying quite high mortgage repay repayment rates. And by sitting that money in your offset account or on your mortgage, it's essentially a guaranteed return. Whereas putting money into investments, there's no guarantee on that return, and markets at the moment are very volatile. Sorry. You're at Yeah. Yep. Yep. Yes. Yep. Yep. No. No. Yeah. Yeah. Absolutely. And having multiple offset accounts is a really good idea. So you can move money around as you need it, but it all still is offsetting the account for you. So that is a really good idea. Up Bank, I've not heard anything bad about them. They're honestly really good. They're all covered by the government guarantee. So, you know, you do have that protection. It's 250,000 per person if the bank happens to go completely broke. So you do have those protections in place of Up Bank, and and the interest rates are really good because they don't have bricks and mortar, so you don't have a branch to go into. But if you don't really need one, getting better interest rates on your loans and your and your money sitting in those banks and having those multiple offset accounts could definitely provide greater benefit. Yeah. Absolutely. Yeah. Wow. Yeah. Absolutely. Yeah. Absolutely. I think with ING, do they let you have separate do they let you have several offset accounts? Oh, that's horrible. Yeah. Not the same. Yeah. Yeah. Yep. No. Definitely not. Yeah. No. It's a definitely good idea. Definitely look into that. It's a really good idea. And, yeah, having multiple offset accounts is a fantastic idea. I know I've got, you know, several offset accounts on my on my with my bank, but, you know, us has always been really good with interest rates. They are one of the biggest for those term deposits and high interest savings accounts. A lot of people are sort of moving towards them for that when they don't need that bricks and the bricks and mortar, don't wanna go into a branch. So absolutely look into that. That's a great idea. Yeah. Yeah. Yep. Yep. Yep. Yeah. Absolutely. Absolutely. Yeah. Look. If you ever wanted me to, I can send you a a budget planner as well. You're welcome to, you know, cash on budgeting advice. I can do up a you know, look at where your budget is, and do up a bit of a strategy paper showing you different ways to alter your budget to help you either put more onto your mortgage or put savings away somewhere for a certain goal. So you always have those for access as well, and there there are other things that I do look at for a lot of our clients as well. Yeah. That's really good. Yeah. Absolutely. Yeah. Yeah. Yeah. No. It's a different world our kids live in, isn't it? Definitely different. I know. It's crazy. Back in the day, we had to sit there and sit wait for 06:00 to to Simpsons or, you know, wait for mom to send me to watching the news and to watch what we wanted to watch. If you missed it, that was it. That's it. That's it. Oh, that's it. Those are the days, honestly. Oh, I know. It's crazy. Oh, goodness me. Yeah. That's okay. Yeah. It really has. Yeah. Yeah. Yeah. Yeah. And, realistically, when we're on, you know, a higher income, we wanna be able to save as much tax as possible. You know, we can never make a recommendation solely to avoid paying tax. However, negative gearing is just the outcome of having investment property and, you know, investing for the future at the same time. Of having investment property and, you know, investing for the future at the same time. So there's nothing wrong with that. It's all it's all good. It's all fine. But, yeah, it's a shame that they're putting these changes in place because it does mean that, you know, a lot of moms and dads out there aren't gonna be able to access or hold property the way they we have in the past without buying new homes, and that could put pressure. Yep. Yeah. Yeah. Yeah. It does it does depend on whether you're yeah. It does depend on whether your employer will be willing to pay you. I mean, your trust would have to send to be the employee or finding a way to be able to put the money in. But if the legislation goes through the trust, it might not be worth having one of those because, you know, distributing income won't really make a difference if a trust is paying 30% tax and then distributing income out, and then that could push up your you know, if you're on the highest marginal tax rate, the trust has paid income, distributes you income from the trust with what's left over, and then you because you're on more than 30%, have to pay additional tax on top of that. So that could be more of a disadvantage down the track. Yeah. Yeah. So it's just a matter of watching all these bits and pieces and see what goes through, what doesn't. But yeah. Feel free to let me know if you have more questions down the track. I'll keep watching everything to see what we can and can't do. And, hopefully hopefully, before July next year, we'll have a little bit more of an understanding of where this is gonna go so we can really look at what's gonna be, you know, prefer preferable to help you meet your goals, but also make it so you're not paying out a huge amount extra in tax, which is more of a disadvantage for you. Yeah. Yeah. Oh, good. I'm so sorry that the budget's put a bit of a spanner in the works. It's made it very hard to kind of give you guys an exact answer on what the best thing to do right now is. But, yeah, we'll keep watching it, and I'll make sure, you know, that we can keep having these conversations as things change. And, yeah, let me know if you do have questions. I'm here to help you out. So, yeah, if there's anything you need. Yeah. Yeah. Need to win later. Need to win later. No. It doesn't for me. My husband plays it. I don't I really don't, but he he enjoys doing it a little bit, and I think this is a bit of fun at the same time. I said, look, if I win, all my clients will be fine. All good. It is. Yeah. Absolutely. No. All good. Well, what I'll do is after the call, I'll send out I'll get Michelle to send out the annual review pack. If you can just sign and return that back for me, that'd be fabulous. I've got your advice document here. I'll just go back and do some tweaks and some updates, and then I've got you booked in for the June 1 at 03:30 to run through that together. You can have a look at what I've recommended, the advantages, disadvantages, the risks involved. I'll look at the recommendation based on your current goal, but then I'll also do just in the appendices the difference showing you if you just reduce those amounts under the mandated limits for, you know, financial underwriting to make sure we keep you under that limit, what that looks like for you as well so you can decide what you wanna do moving forward. Does that sound okay? Yep. Beautiful. All good. If you finally have other questions, let me know. I'm always here happy to help, Matthew. And it's been lovely to chat to you, Camille. I hope you've had a good day. That's okay. You you get to put your feet up and relax a little bit now. Congratulations. Oh, congratulations. Yes. Absolutely. Yep. Oh, that'll be amazing. Congratulations. Seven years is incredible. That's fantastic. You enjoy that night. It's well deserved. All good. I'll let you both go. Happy anniversary. I'll talk to you very soon. If there's anything else that comes up question wise, just let me know. Okay? Thanks, Matthew. Thanks, Camille. See you later. 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Matthew. It's Dana from Oakey Financial. How are you today? I'm very well. Thank you.\n\nHow's everything going? Yes. Isn't it? No. All good.\n\nI had to book in for a bit of a catch up in relation to some changes to your circumstances and also talking about subdivisions. Is now still a good time there for you? Yes. Yeah. Have a chat.\n\nYeah. Yeah. No. Absolutely. All good.\n\nSo, essentially, we have the advice all ready to go, but one of the things that was kinda noted was you've had a change in your circumstances with your employment. So you're on a higher income at the moment. Is that right? Yeah. Beautiful.\n\nSo I believe it's 230,000 per annum. Is that correct? Or Yeah. Yep. Yeah.\n\nSo take home pay, we've got, I believe, gross is 8,846 and 15¢ per fortnight, and then net is about 5,733 and 32 cents. That's okay. It's I've got $8,846.15. Is that month or fortnight? Sorry.\n\nThat's okay. You're right. That's that's absolutely fine. Perfect. So sorry.\n\nCan I get you to repeat that last one for me? So it was 5,000 yep. Perfect. Net. And so the other one would have been the gross.\n\nYep. Beautiful. And is that fortnightly? Yeah. Beautiful.\n\nNot a problem at all. I'll go back and redid the numbers there for you. It's just mainly for the insurance side of things and looking at contributions going in there. With the insurances, we were looking at making sure if anything happened to you, that your life cover and your TPD covered your mortgage completely, so it's made it free and clear, and then also one year's worth of net income. We were also looking at the tax component for TPDs and making sure that the amount paid out was after the possibility of the tax for TPD if you're under the age of 60.\n\nAnd then with the income and then so with TBD, we're also factoring in a bit more income. We're looking at sort of five to ten years worth of income because you are still alive and could be needing ongoing medical support and recovery replacement of things. With the income protection side of things, we were looking to reduce the waiting period to thirty years, have a five year benefit period, but then making sure that you had up to 70% of your income covered in the event of anything happening. Does that still sound fairly accurate? Yep.\n\nYes. Yeah. Absolutely. Absolutely. So one yeah.\n\nNo. Absolutely. Absolutely. No. Look.\n\nI had come up with a recommendation for you. I'll just go back and redid the numbers there. Just with the increase in the income side of things for you, just to kind of work out, I can do one of two things for you. I can definitely work out the new amount you need based on that goal and make the recommendation for those exact amount, show you the cost of it, the effects, the long going ongoing terms there. However, when we do look at, especially with power with insurers, when you are getting essentially a high amount of, say, life PPD, critical illness, and income protection, depending on the amount in your age, once you kinda get up above those sort of 2,500,000 mark to 3,000,000 mark, they actually start having mandated financial and medical underwriting.\n\nDid you want me to, if your goal exceeds those, look at maybe showing you what the reduced amount looks like to keep you under those limits, or would you like to see both? So mandated medic. Yeah. Yeah. Financial is looking at essentially your assets and liabilities, making sure that what you have or what you're applying for matches what you realistically need.\n\nSo they'll wanna see, you know, what your assets and liabilities look like. They'll wanna know, you know, a bit more about your income coming in and things like that. Generally speaking, given your age, because you are still quite young sorry. It's around about that 2,500,000 mark, so I could look to just keep the the amounts under those mandated financial limits if you like to make sure that you don't have to undergo any additional underwriting that's not required as part of the application. You were pretty close.\n\nSo when I looked at it last time for life and TBD to keep you above the tax level for TBD, we were actually needing to apply for 2.8. So I could reduce it back a little bit just under the 2.5 to limit any financial underwriting that isn't, you know, that you don't need to go through. Realistically, if you don't hit those limits, they don't ask to do any financial underwriting, And medical underwriting only only comes to play if there's something in the application that flags that they need to assess for you. But if you apply for really high amounts above that 2.5 to 3,000,000 mark, Because they are taking on a lot more risk with regards to the amounts they have to pay out, they wanna make sure that that you are healthy, that they are you know, the risk they're taking is worth it. So that's why they have those stipulations on those higher sums insured.\n\nYeah. Yeah. Basically. Yeah. Yeah.\n\nDid you want me I can look at both if you like. I can look at recommending what you need and showing you the cost of that, but then in the appendix, I can always put down, you know, the difference if you went just under those amounts. Yeah. Yeah. Abs absolutely.\n\nYeah. Just for TPD, but, realistically, I mean, if you were to claim on TPD, we're gonna help you with that claim. But then I'm also gonna give you advice on what to do with the funds to help you limit the tax consequences there. So we can do everything in the event of a claim to help. And the biggest risk with having TPD or any insurances is that you pay all the premiums for years and years, and you never actually claim on them.\n\nAnd then you discover you don't need them anymore, and they just get canceled too. So yeah. Yeah. Absolutely. Absolutely.\n\nYeah. That's okay. If you like, I can go back and do the recommendation based on what you actually need and show you the effect of that, but then I can also go back for you if you like and do the just under those limits and show you the difference, one in the recommendation and then one in the appendices, then you can decide which way you wanna go with that. Does that sound okay? Yeah.\n\nBeautiful. Excellent. So I'll get on to that one for you, and we'll have that advice document sorted out. It's only a small change to make, so we'll go back and have that updated for you. It's not a problem at all.\n\nEasy. All good. And with contributions with your new employer, are they just paying the standard 12%? You're not getting anything additional on top of that at the moment? Yeah.\n\nYeah. No. Understandable. Understandable. All good.\n\nWell, that is not a problem. I'll go back and read you those numbers there for you, and I'll be able to have the advice document done. I'll book you back in for two weeks. Is there a preferred day or time to go through the updated advice there with you, Matthew? Yep.\n\nSo we're looking at Monday at 03:30. I do have an appointment that time, but I could do the 05:00 appointment afterwards if you prefer, or I could do the Tuesday, the twenty sixth. Oh, that's okay. That's okay. So sorry.\n\nI just realized it's only one week. Two weeks is the June 1, and it's fine. Sorry. Oh, no. All good.\n\nSo I'll pop that in there for you for 03:30. No. You are oh, you are absolutely fine. I've popped that one in there two weeks for you. My apologies.\n\nThe month is flying by. It's crazy how fast everything goes. Beautiful. All good. Well, perfect.\n\nSo the advice, everything's good to go. I'll just go back and rejig that for you and have it ready on the June 1 at 03:30. That's not a problem at all. Is Camille there? Did she wanna jump on to Hot Chat about the the investment side of things and the subdivision?\n\nI'm sorting out the kids. Oh, legend. Yeah. You're right. You let me know when.\n\nNot a problem at all. If you if with the kids there, if they are, you know, you need a minute, just tell them to stop. It's not a problem. Love it. Yep.\n\nBig day at school. Gosh. That's it. Yeah. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYes. Absolutely. Absolutely. And that was the one thing because I know we booked this appointment prior to the budget coming out last week, and then I was looking through it going, oh, no. This is gonna affect our conversation pretty heavily, actually.\n\nYes. Yes. Yeah. Definitely. So one of the things that obviously, when you're talking about you've you know, you're making a really good income at the moment.\n\nYou're wanting to look at ways to invest. Are you sort of hoping to be able to maybe reduce some of the taxable tax that you're paying towards your income, kind of free up some extra cash flow? What's the with purchasing another property or subdividing? Yes. Yes.\n\nYeah. Mhmm. Yeah. Yeah. Of course.\n\nYeah. No. Absolutely. Definitely. So you've been looking sorry.\n\nYou're right. Yeah. Yeah. Yes. Yes.\n\nYeah. Yeah. Absolutely. Well, I've done I've got a bit of information here on the the side around the subdivision side, and it's not a bad idea, realistically. And under the budget, that does meet, you know, the idea of being able to negatively gear and also utilize the 50% CGT method because that's one of the big things we wanna look at is, you know, if you were to go and buy another property, another preexisting property, whilst buying that now still allows you to negatively gear until this bill goes through or if it goes through with the current, you know, amendments.\n\nExactly. Once this bill then goes through, that changes everything that you're able to do, and then you've purchased the property. And markets a lot of markets are currently starting to have a bit of a decline. So I know Sydney and Melbourne have started to see a bit of a decline, so Brisbane will, at some point, see some sort of a decline as well. So it's about kinda just making sure that whatever you're doing now to get an investment is gonna be okay for the long run.\n\nYou don't wanna kinda get to July next year and discover everything goes through, and then you can no longer know, it's gonna cost you more money. So, realistically, in order to subdivide, are you okay if I start running through the information now? Or yeah? Oh, beautiful. Hi, Camille.\n\nHow are you? Oh, no. All good. So, realistically, in order to subdivide, most of them take anywhere up to about two years. Majority is around about eighteen months.\n\nThe process generally starts where you're looking at the initial planning and research, which depending on how things go and, you know, if things stay on time, can normally happen within about one to two to three months. You're looking at consulting with professionals like land surveyors, conveyances to understand the feasibility of the subdivision plans, looking at rezoning laws and making sure that your plans are in line with those sorts of things, making sure the property is eligible for subdivision, accessing infrastructure to determining if there's any additional infrastructure or utilities or public spaces or anything that need need to be added into the area or into the the land to be rezoned and subdivided. And then starting the pre application after that point, which is essentially looking at engaging a surveyor to make sure the application's done correctly with the proposal for the subdivision, looking at initial surveys and gathering all that data to have lodged with the pre application. Then application stage can take anywhere from two to four months if on point. It also comes down to what your council is like and how often they approve things or, you know, what backlog they may be having at the moment as well.\n\nAnd going down the track with what's happening in the budget, this could become a little bit more prevalent, as there are gonna be so many stipulations around what investors can essentially do. So once you're kind of in that can essentially do. So once you're kind of in that application stage, you're lodging the application for it. So it's preparing, submitting, looking at waiting for council assessment, and then often just going back and forth, making changes to the plan if it's not up to their standard. They wanna make changes or if zoning requires new things, so updating the plans when need be.\n\nIf all goes well within about sort of three to six months, you can have that conditional approval, which is fine, And then it's sort of looking at address addressing any additional council conditions if they've stipulated additional conditions to the plan or if they've stipulated any additional conditions to the building. Looking at setting up the infrastructure, so organizing builders and things like that to to make sure that everything's in line with it. And then it sort of starts going down the the subdivision route, and we're looking around about, you know, another five to six months to go through the, you know, the preparation of the land, the lodging of the registration of the title. We're looking at the sorry. My throat is still happening.\n\nWe're just looking at, you know, all the different factors there and then the building of the properties as well, so making sure that everything sort of stays on track with that. Most of them take anywhere from eighteen months to just over two years. I have seen some take a little bit longer. Subdivision is a good idea if it's something you wanna do. It does keep in line with the budget, and one of the things that allows you to, a, utilize negative gearing, but also the 50% CGT or lets you choose between the 50% CGT or the indexation method is essentially where a duplex is constructed so you're knocked down and rebuild.\n\nSo you have to be willing to knock down your current property and rebuild two properties because you have to add to the housing market. So one of the non eligible conditions under the budget is that you can't put on a granny flat or another house in your backyard. You have to physically complete a full knockdown and a rebuild of that property. So you might need to look at buying something as your main primary residence beforehand and then going to the process of the subdivision as well, which depending on sort of what you're after, can put a bit more of a strain on the budget. You are sort of outlying.\n\nI know with most building loans, you pay they don't sort of rec need you to pay anything a lot back in the in the early end. Everything's sort of done in stages. So you would be paying normally. Could depend on the loan you get, but it's normally interest only until the handover of the property and the property is completed, and then you start paying PNI if that's the way the loan is set up. Often, repayments can be a little bit easier, and drawdowns happen as soon as, like, one section is approved by, you know, the builder.\n\nOnce the builder is completed, he gets it reviewed and checked. And once that's being checked and it's approved, then the next stage happens, and the banks require certificates at each stage to allow different drawdowns for you. So that is definitely one way of doing it. Another way is obviously looking at home and land packages. So I know they are a lot smaller.\n\nThey're a lot different. I'm not sure what they're like in your area, but you could also look at maybe buying a home and land package or two or something. If you're looking to sell your property, maybe buy, you know, a new house or something for yourselves to live in, and maybe if you still want an investment property purchasing, like, a home and land package somewhere. That way, you are still buying a brand new house. It's still giving you eligibility for that negative gearing, and that's probably one of the big things.\n\nIt's the negative gearing. That's the way the the rental property goes for you, helps you to save on the amount of income tax you are paying, can provide a greater tax deduction each year. And that's one of the main reasons investors have property is to take advantage of those tax deductions to put as much money they can to the into the investment property and sort of save on their income tax, especially when you are a high income tax payer. But like yourself, you're on a very high income. So but in order to Yeah.\n\nYeah. That one ninety is that cut off at the moment. Yeah. But yeah. I mean, the subdivision's not a bad idea.\n\nIt's more just about how much time you have to put into that. Generally speaking, the average cost of this is about a 150,000. That's not including rebuilding another another property on the land. So you'd need to make sure you've got that capital upfront. I would definitely speak to a mortgage broker and look at maybe what your borrowing capacity looks like, and maybe have a chat with some real estate agents and see in the area and find out if you were to sell the property, what would they get for it, how quick are they selling properties, and is this a, you know, a good idea for the area at the moment, you know, with your with your houses and if it's in a good family area close to schools and parks and things like that, it might be really quick to sell off.\n\nSo properties are still selling. I know housing market has sort of decreased in a lot of areas, but real estate agents are still selling properties. People still wanna get into the market. So it could still be a good time to assess that, but it just comes down to the time capacity you have to do this to liaise with the conveyances, with the builders, with the land and titles office, and with your local council to make sure all the plans go through. There's often quite a lot of back and forth as well.\n\nI have seen a few where it's taken longer than the eighteen months to two year mark because it's got a lot of back and forth with the plans. There's had to be changes made to it or councils decided that something's gonna happen with that that area, and they've decided the subdivision is not gonna be viable and not gonna go through. So it just sort of comes down. There's a lot of factors that can go into it, but it's not at all a bad idea for something you wanna do. It might just mean you'd have to maybe buy something to live in as your main primary residence first.\n\nThat way, you've got you've got that capacity to go through the subdivision and knock down the house and then build those two properties. That way, you are still meeting those conditions under the new legislation if it goes through. Yeah. Mhmm. It does.\n\nYeah. So under the under the eligibility for the new build, they've given four conditions. The first one is a newly constructed apartment bought off the plan, a duplex a duplex constructed through a knockdown and rebuild, replacing a single freestanding house, which is where the subdivision side of things comes into. Or if you don't decide to subdivide and you wanna keep it as one titled property and you can just then look to maybe knock down the house and build through, you know, duplexes whether it be attached without the subdivision side of things, but it still has to go through council approval to be able to look at that. The other two conditions under the new legislation, if approved, is any residential construction on a previously vacant land so you could buy land somewhere else and maybe build on it that way as well.\n\nOh, the last condition is a newly built property which is occupied for less than twelve months before being first sold. So if someone else has maybe built a house or, you know, build a house in the short term and they've only owned it for less than twelve months and then then they sell it on to you, then that still meets that condition of a new build as well. Under the section where it's not eligible for a new build, they've got an established property that has recently been extended to add additional bedrooms, a freestanding house constructed through a knockdown and rebuild replacing an older, smaller freestanding house. So if you were to knock down your house and rebuild it basically and add some extra rooms, it doesn't quite qualify. A granny flat built adjacent to an established property that is not eligible for negative gearing, so they don't let us build a granny flat in the backyard and rent that out, unfortunately.\n\nAnd then yeah. And then the last one there is a newly built property, which has been occupied for more than twelve months. Doesn't meet that criteria either, unfortunately. Yeah. Yeah.\n\nYeah. It can do. The biggest thing I tend to find, though, is you make more when you've gone through the process of building something. So selling vacant land tends to be a little bit harder because then people have to go through the zoning and the planning process to build a property. So if you were to, you know, subdivide, build two properties, and sell one off, you're probably gonna make a little bit more money in your area doing it that way.\n\nPeople tend to like to be able to move into a house pre done than starting from scratch, especially, you know, in built up areas like the Gold Coast and Brisbane. It just seems to be a lot easier, and building can take a bit of time. I know there was a couple of years ago quite a backlog in building, so I'm not sure what the construction industry looks like in your area at the moment, but so long as they don't have a huge backlog, it could definitely make things a little bit easier. The other side of it is if you're not too worried about the negative gearing side of things, you could always just buy this investment property to start with, look at building that up. With the changes that are proposed, you won't be able to use the negative gearing.\n\nSo you won't be able to claim the tax deduction for the difference between your rental income and the cost you outlay for that, but that difference will be continuous. It's essentially looking at, like, being a loss, and they will essentially keep that loss carry forward until you sell the property. And even when you sell the property, whilst they will have it, if this goes through, that it will have to use the indexation method, that loss will be carried forward continuously. So you can offset that against the gain that is made when you sell the property. So that could provide a bit of a, yeah, a little bit less of a capital gain down the track.\n\nIt just kinda comes down to is if this is implemented with no changes, what changes come into play. The other side of this is they may go through this because it's a bill at the moment. It's then gonna go to the lower and the upper house. It may get to these houses, and it doesn't go through as it is. They may have to make changes to this.\n\nSo it could even be worthwhile if you guys just hold off. I know it's, you know, a little bit down the track, but if we just hold off for a few months and see what what's going through with the legislation, what it looks like it's gonna turn into, that way we're not sort of jumping into something and going, hey. Let's start this now. Then changes come to the bill, and it does and it affects you a little bit too much. So there's also that risk that there are changes that could happen to this bill as it goes to the lower and the upper house in order for it to go through as well.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. It's a lot of money to sorta have start off with. I mean, you could borrow for that, but it would then sort of lock you into doing something and following through. The bill biggest risk we have at the moment is with this legislation just coming out last week with the budget.\n\nIt's just that it's just the bill at the moment, so we have to wait for it to start going through to sort of see what's gonna happen, whether changes are gonna be made, whether it's even gonna go through. Because the other side is if this doesn't go through and there's no changes to the negative gearing, then you could essentially keep the property you have, buy yourselves a new property, rent that out, and still take advantage of that negative gearing side of things and just buy something for yourself, which could be a much more cost effective way for yourself. Essentially, with the property you're in at the moment, if you were to buy something else as your main primary residence, you start renting that one out. The loan you have on that property immediately starts to become a an investment loan for yourself. You don't have to restructure the loan if you don't want to.\n\nSo there is that advantage, and it might be more cost effective as well. But, yeah, the biggest risk we have at the moment is that there's just too many unknowns with this bill with what's gonna happen, and jumping into things now could mean that we, you know, have a bill that goes through with changes, which meant that, you know, depending on what you go with, it might not qualify. We might have to make changes to it. You know, this could maybe not even go through. It really just depends.\n\nIt looks like at the moment they could have enough it looks at the moment the lower house has enough support for it, but there's it could go either way when it gets to the upper house. So we just do not know what's gonna happen with this at the moment, and this is probably the biggest thing that sort of affects what you can and can't do. The other option is if you do decide, you can just look at, you know, keeping the house you're in now, making it into a rental or an investment property, and positively gearing it. The only then risk factor is you are increasing your income tax because you're increasing the the income that's coming in, and that could mean you pay more income tax, which is probably not preferable for you guys. Mhmm.\n\nCorrect. Yeah. Yes. Mhmm. It would yeah.\n\nBecause in order for it to be exempt from the new changes, if they go through, you need to have owned the investment property prior to the 05/12/2026 at 7PM when the budget was released. So anyone who currently owns the property is absolutely fine. They'll be able to grandfather their negative gearing, and it doesn't have an end date at this point in time. There could be changes. They could have an end date.\n\nBut anyone who buys a property now, between now and, say, the July 1, whilst right now with this bill not being through, not being legislated, you can make it here in the in this financial year and next financial year up until the 07/01/2027 depending on whether the bill goes through. But then it means if this bill goes through as of the 07/01/2027, that will stop, which means that people will either need to increase rent to cover it or they'll be essentially negatively gearing a property and carrying forward losses until they sell that property. And then they'll have to, you know, hopefully, not pay as much tax. But it just it it's such an unknown. And with the yeah.\n\nYeah. And with with well, the ATO will track it. Like, well, you sort of still have to put everything into your tax return to show how much you're spending, how much you're making, what's happening. It just means that the gains will be carried forward, and there'll be a record of that. Because whenever we sell a property, you still have to declare that to the ACO.\n\nIt just depends on when we declare that, we either either stated the main residence for an exemption or it was, you know, purchased at a certain point in time or we add in a few additional optional extras to kind of show how much we have to pay. And the ATO kinda work it out, but there's a few things that we do when we do sell properties. But, yeah, it all comes down to is this legislation going to go through, and how does it go through? Are there any changes? And that is the biggest risk at the moment is what happens with this legislation and how is it going to affect people.\n\nSo I'd be more inclined to suggest maybe just to hold off for the time being, keep saving money for the moment, and let's just see how the next sort of six to twelve months go with this legislation. What does it look like? And when you get close to understanding what the legislation's gonna look like as it goes through if it goes through, then it'll give you more certainty around what you can and can't do with investments and how to make that work for you. Does that make sense? Yeah.\n\nYeah. Yep. Mhmm. Yep. It has been.\n\nYeah. Yeah. It is really tough because normally, it sort of go towards trust, family trust, and things like that. However, the the family trust is also supposed to get hit. So at the moment, family trust, when you have one, in income goes or the whatever's owned by the family trust makes the income, and then the income just gets distributed to the beneficiaries.\n\nAnd you can work the trust so you distribute income to lower, you know, to lower like, if you between yourself and Camille, if Camille's on less money than you, you could put more income to her at a lower tax rate than yourself, and you can distribute that those funds to income in a much more conservative way. However, with the new changes, trust are gonna have to pay income income tax at about 30%, and then it gets distributed out. If it gets distributed to an individual, then the income distributed to the individual gets added to their taxable income. They do get a bit of an offset. Or if they're on a higher tax rate, they might have to pay the difference between the 30% and their marginal tax rate.\n\nBut if they're under that if they're under that sort of 30% tax rate, then they should be able to get a bit of a break or a bit of an offset for it. But if it's a company, then the inside the trust, they pay that 30%, and then the income is distributed to the company, and the company still has to pay their tax rate at 30% as well. So it does work out a lot harder. The other side of opening up a trust is that you don't wanna buy a property and then open a trust. Realistically, it's best to open a trust and then buy property because if you buy property in your own name, then open a trust, you're changing the ownership structure, which means you've gotta look at capital gains for yourself for transferring the property in.\n\nYou've also gotta consider stamp duty and things like that. It's basically the trust ends up buying the property from you, and it can have tax consequence effects there as well. So there are definitely structures that we can use, the structures we like using as advisers, but right now, unfortunately, the the the new bills are kind of hitting the tax side for all of those structures except the company at the moment. So the other thing is a lot of property investors I've met in the past have set up companies, and they've bought properties under a company, but then you've also got a note that's another income stream, another business that you're an employee of. So there are tax consequences around that side of things.\n\nSo we just have to at the moment, as an adviser, we're just watching this very closely to see what it might look like and how it's gonna affect, to see where which way we go for different clients depending on their goals. It's a very fun time. I tell you what. Absolutely. Absolutely.\n\nAbsolutely. And, I mean, look at they could there's a chance that none of this may go through. There's a chance that it might not go through at all, but there's also the risk that it will go through exactly as it is. And anyone who's jumping on board or hasn't already got an an investment property won't be able to negatively gear once we kinda get to that point if this all goes through. So there's just a lot of uncertainty in the air, which has all been created in the last couple of days, and it's all just about watching and waiting to see what happens.\n\nI've got another client who I suggested just hold off. Just wait. Let's just save your pennies, put some more money into your offset account. Let's just sit there for the moment because if we make a move now, it could be the wrong move, and we don't wanna do anything rash just because of the legislation that could go through. Sometimes it's best to just to hold off and wait.\n\nWe could be lucky. We could find out if this goes through. It could entice property prices to to drop a little bit. There could be a mass sell off, which could, you know, increase the amount of property in the market, and we could see property prices decrease a little bit as well. So there's a few different things that could come from this depending on how it goes, but I'm just sort of glued to watching every move they make with all these to see what what is possibly gonna come out of it because there's just so much uncertainty currently.\n\nYeah. Yeah. Yep. If the bill doesn't you're right. If the bill doesn't go through, your goal essentially is looking at getting a bigger family home for yourself.\n\nSo if the bill doesn't go through and, realistically, what you could do, the easiest and cheapest option would be to buy a property, your next family home, keep as your main residence because you're likely gonna have a higher loan on that property, and the loan on your main primary residence is nontax deductible. And then the loan you have on the property you currently have becomes tax deductible, keep that property, and rent it out, and hopefully try to negatively give that a little bit so that, you know, you get those tax breaks there. That would be the most cost effective way to meet that goal. It gives you a new family home, hopefully, something that's bigger that suits you guys a bit more closer to the area that you wanna be in, and then you can still keep that property you have at the moment that that you really enjoy and just, you know, know, rent it out for a bit of time until you know? So so much time you decide you don't wanna subdivide or you wanna sell it off or depending on what your goals are down the track.\n\nBut if this bill doesn't go through, that's generally the easiest option and the cheapest option and the fastest option to go through. Yeah. That that one would be. Subdividing in the future would be fine. It's just the the long term cost of it.\n\nYou just gotta make sure that the cost is going to work to work for you. I could, down the track, if you like, provide a bit more advice around whether it's viable, but we'd need to understand a bit more around the cost of the conveyances, how much it's gonna cost to have all the conveyances and the mortgage brokers and the the cost of building and things like that. If I can get a breakdown of all those costs individually, we can have a look at that as opposed to what you current yeah. You currently have with the house and maybe renting that out and see which option's viable. But, realistically, just look at your goal at the moment.\n\nIt's keeping the property, renting it out. That gives you income faster. It's less likely to be, you know, empty for a certain period of time by your other property. The loan you currently have, you can take some equity, sorry, out of your current property to help you buy another property so you can have, you know, your forever home or the next time that you guys are after in a better location, a bit bigger, in more in a more of a place that you're comfortable being. You can keep the the property you do have here that you do like as well.\n\nRent that out. You get them to then negatively gear that property as well as have your sort of forever home over there, and it tends to be a lot more cost effective to do that. It's also a lot quicker our process can be done in only, you know, one to two to three months as opposed to, you know, twelve to two years depending on how long it takes to go through the whole subdivision side of things, if that makes sense. Yeah. Yeah.\n\nAbsolutely. Yeah. Definitely. So with serviceability wise, with the income, I would just sort of, you know, have a chat to a mortgage broker to find out what, you know, what they're sort of after. You can even have a chat to a mortgage broker now just in, you know, running up to it.\n\nWe can refer you to one if you like just to sort of have a look at what your current serviceability would look like at the moment. And then sort of down the track, depending on what happens with this bill, you can kinda get a bit more of an idea of which way you're probably gonna need to go to make it work for you guys in the best possible way. Yeah. Mhmm. Yeah.\n\nYeah. Correct. So, normally, depending on how you they structure the loan for you, you can have it structured three ways. So to give you an example, my property loan is structured to three things. I've got my main primary resident loan.\n\nI then got an equity loan, and then I've got my investment loan. Because my equity loan was my property, it was the deposit for my investment property. Those two are considered I I've got those loans solely for the purpose of income producing. So they are the sorry. Not the principal, but the amount I pay interest on the loan is tax deductible.\n\nSo you can have a structured two separate ways so you separate the loans. They can also look to either cross securitize the properties so the property secure all the loans, or you can have you know, depending on how the the land to value ratio works, you can also have it set so it doesn't cross securitize. So your main primary residence is only security for that main primary loan, and then your investment property can be security for the other one. They normally have to cross securitize the equity because the equity comes out of the current property that you have. But that's often a small loan.\n\nYou tend you can't usually use when they look at the equity loan to value ratio. They won't normally let you withdraw more than 80% of the equity to use as a deposit towards a new property. So they do tend to tell you how much you can limit on that, and then the rest becomes a loan. Yeah. Yep.\n\nYeah. Yeah. Yeah. It's about just under seven hundred. You're fine.\n\nMy computer is a little bit slow. It's a bit late in the afternoon. If you're doing math off the top of my head, I'll be honest with you. 700. 80% is 500 and 60,000.\n\nYeah. Absolutely. Absolutely. Yep. Yeah.\n\nYeah. Yeah. Definitely. Unless this all doesn't go through, there could be a whole another scenario as we kinda went through. But right now with with everything that's set up in the air and the uncertainty around what's gonna happen, realistically, yeah, if you look at maybe selling your property, which is a main residence, so there's no CGT consequences to selling your main primary residence, and then buying a new property.\n\nAnd you can even buy a new property prior to selling your main primary residence and having a bridging loan, and there's still no CGT consequences. So your main primary residence is fully fully exempt for CGT consequences, which is good. And then we maybe look down the track at other investments and see what we can do depending on what the, you know, what your goals are and what the legislation says we can do. Yep. Yep.\n\nYep. Yeah. Yeah. No. Perfect.\n\nMhmm. Yeah. Correct. Yeah. Yeah.\n\nIt's structured as a bit of an investment. Investment loans can be a bit higher than main primary residence mortgages. But if you're gonna Yeah. The other side of the other side of it is if you look to sell your your main primary residence and buy another property, you don't have to do the equity side of things. You can just get you know, you can look at the equity and structure it with a bridging loan.\n\nAnd then when you sell your house off, the bridging loan is completely covered. The equity loan, because you're buying a new a new PPR, is just a a PPR rate, which is lower than investment because you have the intention to sell off the main primary residence. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yeah. That sounds about right. Yeah.\n\nYou are. Yeah. You are. Yeah. I know.\n\nIt's a lot, isn't it? That's exactly right. Yeah. Yeah. Because realistically, if you've got an investment property and it's making an income, that income that is your your personal income from your employer, and it increases the amount of tax you've gotta pay.\n\nSo if your property is not getting if you've got an investment property that's not the income coming in is less than what you're paying out in, you know, the mortgage payments, the interest, the fees for, you know, having someone look after it, like an agent look after it, then the difference of that is what the negative gearing is. The difference of that is a loss. And at the moment, you can claim that loss against your personal ink, sorry, income. Sorry. My first did it so this afternoon.\n\nBut you can claim that loss against your personal income, which reduced your income tax. Yes. That's the way it works at the moment. But with those changes, that loss won't be claimable against your income. It'll only be claimable against capital gains.\n\nSo it will just continuously carry forward until you sell it. Yeah. No. Absolutely. Yeah.\n\nAbsolutely. Yeah. And you're sort of hoping that when you sell that property, if you sell it, that you're gonna make a profit. Whereas, you know, there have been instances where people have bought properties in Melbourne or Sydney, and whilst the market's gone up over ten years, that property itself or the area hasn't gone up as much, and therefore, they haven't made as much of a gain. Yeah.\n\nYeah. There's a lot to think about. Yeah. No. Look.\n\nHonestly, it has actually done really, really well. So I've actually, as part of this, wanted to yeah. Yeah. Just having a quick look because I did have, as part of the call, your annual review docs here as well for you to kinda give you an update on your super. And I'll send it I'll get to my team to send through the annual review docs shortly for you as well, which has your ongoing service agreement for the next twelve months there also.\n\nBut when I have a really good look at it so you're super over the last twelve months. Everything generally has been performing quite well. All in all, Matthew, you're up by 11.19% net of fees. As earnings the earnings and growth in the portfolio, you've essentially made, $76,948.55. So your portfolio has done really well even through the market ups and downs there.\n\nMost of your portfolio performed quite nicely as part of the advice. I've actually gone back and made a little bit of a dig to your portfolio. We are the Benelon Australian Equities in there hasn't been performing as much as good as we would want it to be, so we are looking to remove that and replace that with a cheaper investment option, but still keeping access and exposure to the Australian equities. So I will show you that as part of the advice document, but just making a bit of a switch on the investments there. Just making sure that we're removing anything that has underperformed.\n\nSorry. You're at Not really. It's just No. So thankfully, Super was kinda left out of it all, but they also have got that division two nine six tax now. So if you're Super gets up over 3,000,000, there's additional taxes there.\n\nBut if you're at risk of getting up over 3,000,000, I will make sure I notice that for you, and we'll do what we can to hide the funds when you are around that age of 60. The original projection. Yeah. Yeah. Yeah.\n\nAnd then, look, projections can change over time depending on what markets do. But, look, we're just trying to make sure we get you super to the best possible outcome. I'll keep looking at it. I'm part of this advice document. I've got a ten year projection for you to show you where we're heading over the next ten years because you are still quite young.\n\nI personally don't like to sort of project too far into the future at the moment. I think with the volatility, we should just stick to ten years and see how we go in that time frame and then make changes as we need to. But your super has done really well this year even with the ups and downs we saw. One of the biggest sort of down periods we saw was around about the March 28, which is when everyone sort of felt that really big dip. But your sleep has definitely recovered back from that, and I'm really happy that the return is received.\n\nSo that's really good. Yeah. Absolutely. Yeah. Absolutely.\n\nAbsolutely. No. All good. All good. Well, I'll get the advice updated.\n\nI know we've gone through a lot. And with regards to the investment property and the property side of things, there's a lot of unknowns, so it does make it very difficult to make a decision at the moment. But do you guys have any other questions? Have I answered those questions for you? Is there anything else you wanted me to look into or any other questions you might have?\n\nIt did. Yeah. Yeah. Yeah. Yep.\n\nYep. Yeah. That's it. Yeah. So there are other ways where we could look at, you know, our investments outside of Super, but you are then risking money that could be on your mortgage.\n\nRealistically, the best way is to put as much as you can into your loan, sitting in an offset account so it's offsetting the loan that you have, and just trying to build it up slowly. I tend to, when it comes to cash on budgeting, say start with something small. Do $50 a week and then build it up as you get more comfortable doing so. Whenever you get a bonus or whenever you get, you know, your tax return back, put it straight into the offset account. One of the biggest risks with doing that is people go, oh, I've got all this extra money sitting there.\n\nSo we can have that extra holiday. We can go on to the movies an extra week or have an extra dinner out, and it's hard to kinda train your mind not to do that. If you have larger lump sums, putting it on the loan is a good thing because it really reduces the loan. But if you can train your brain to sort of not spend that money quickly, then putting it into the offset account is a really good idea because if you have, you know, a large expenditure, something to the kids that you have to pay for, the car breaks down, or you have to get a new car down the track, you can withdraw that money back. But whilst it's sitting in the offset account, it is offsetting the interest that you are paying on the loan and does the same thing as sitting on the loan directly.\n\nSo I always suggest start with something small, $50 a week or a fortnight, and get used to putting that in there, training our brain to, you know, follow that behavior, and then keep building it up as you feel comfortable doing so. Down the track, there's also things we can also look at, you know, investment bonds or building investment accounts outside of super, but then you're sort of looking at whether the investment is is likely to get the return that you're paying on your mortgage. At the moment, we are paying quite high mortgage repay repayment rates. And by sitting that money in your offset account or on your mortgage, it's essentially a guaranteed return. Whereas putting money into investments, there's no guarantee on that return, and markets at the moment are very volatile.\n\nSorry. You're at Yeah. Yep. Yep. Yes.\n\nYep. Yep. No. No. Yeah.\n\nYeah. Absolutely. And having multiple offset accounts is a really good idea. So you can move money around as you need it, but it all still is offsetting the account for you. So that is a really good idea.\n\nUp Bank, I've not heard anything bad about them. They're honestly really good. They're all covered by the government guarantee. So, you know, you do have that protection. It's 250,000 per person if the bank happens to go completely broke.\n\nSo you do have those protections in place of Up Bank, and and the interest rates are really good because they don't have bricks and mortar, so you don't have a branch to go into. But if you don't really need one, getting better interest rates on your loans and your and your money sitting in those banks and having those multiple offset accounts could definitely provide greater benefit. Yeah. Absolutely. Yeah.\n\nWow. Yeah. Absolutely. Yeah. Absolutely.\n\nI think with ING, do they let you have separate do they let you have several offset accounts? Oh, that's horrible. Yeah. Not the same. Yeah.\n\nYeah. Yep. No. Definitely not. Yeah.\n\nNo. It's a definitely good idea. Definitely look into that. It's a really good idea. And, yeah, having multiple offset accounts is a fantastic idea.\n\nI know I've got, you know, several offset accounts on my on my with my bank, but, you know, us has always been really good with interest rates. They are one of the biggest for those term deposits and high interest savings accounts. A lot of people are sort of moving towards them for that when they don't need that bricks and the bricks and mortar, don't wanna go into a branch. So absolutely look into that. That's a great idea.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYeah. Absolutely. Absolutely. Yeah. Look.\n\nIf you ever wanted me to, I can send you a a budget planner as well. You're welcome to, you know, cash on budgeting advice. I can do up a you know, look at where your budget is, and do up a bit of a strategy paper showing you different ways to alter your budget to help you either put more onto your mortgage or put savings away somewhere for a certain goal. So you always have those for access as well, and there there are other things that I do look at for a lot of our clients as well. Yeah.\n\nThat's really good. Yeah. Absolutely. Yeah. Yeah.\n\nYeah. No. It's a different world our kids live in, isn't it? Definitely different. I know.\n\nIt's crazy. Back in the day, we had to sit there and sit wait for 06:00 to to Simpsons or, you know, wait for mom to send me to watching the news and to watch what we wanted to watch. If you missed it, that was it. That's it. That's it.\n\nOh, that's it. Those are the days, honestly. Oh, I know. It's crazy. Oh, goodness me.\n\nYeah. That's okay. Yeah. It really has. Yeah.\n\nYeah. Yeah. Yeah. And, realistically, when we're on, you know, a higher income, we wanna be able to save as much tax as possible. You know, we can never make a recommendation solely to avoid paying tax.\n\nHowever, negative gearing is just the outcome of having investment property and, you know, investing for the future at the same time. Of having investment property and, you know, investing for the future at the same time. So there's nothing wrong with that. It's all it's all good. It's all fine.\n\nBut, yeah, it's a shame that they're putting these changes in place because it does mean that, you know, a lot of moms and dads out there aren't gonna be able to access or hold property the way they we have in the past without buying new homes, and that could put pressure. Yep. Yeah. Yeah. Yeah.\n\nIt does it does depend on whether you're yeah. It does depend on whether your employer will be willing to pay you. I mean, your trust would have to send to be the employee or finding a way to be able to put the money in. But if the legislation goes through the trust, it might not be worth having one of those because, you know, distributing income won't really make a difference if a trust is paying 30% tax and then distributing income out, and then that could push up your you know, if you're on the highest marginal tax rate, the trust has paid income, distributes you income from the trust with what's left over, and then you because you're on more than 30%, have to pay additional tax on top of that. So that could be more of a disadvantage down the track.\n\nYeah. Yeah. So it's just a matter of watching all these bits and pieces and see what goes through, what doesn't. But yeah. Feel free to let me know if you have more questions down the track.\n\nI'll keep watching everything to see what we can and can't do. And, hopefully hopefully, before July next year, we'll have a little bit more of an understanding of where this is gonna go so we can really look at what's gonna be, you know, prefer preferable to help you meet your goals, but also make it so you're not paying out a huge amount extra in tax, which is more of a disadvantage for you. Yeah. Yeah. Oh, good.\n\nI'm so sorry that the budget's put a bit of a spanner in the works. It's made it very hard to kind of give you guys an exact answer on what the best thing to do right now is. But, yeah, we'll keep watching it, and I'll make sure, you know, that we can keep having these conversations as things change. And, yeah, let me know if you do have questions. I'm here to help you out.\n\nSo, yeah, if there's anything you need. Yeah. Yeah. Need to win later. Need to win later.\n\nNo. It doesn't for me. My husband plays it. I don't I really don't, but he he enjoys doing it a little bit, and I think this is a bit of fun at the same time. I said, look, if I win, all my clients will be fine.\n\nAll good. It is. Yeah. Absolutely. No.\n\nAll good. Well, what I'll do is after the call, I'll send out I'll get Michelle to send out the annual review pack. If you can just sign and return that back for me, that'd be fabulous. I've got your advice document here. I'll just go back and do some tweaks and some updates, and then I've got you booked in for the June 1 at 03:30 to run through that together.\n\nYou can have a look at what I've recommended, the advantages, disadvantages, the risks involved. I'll look at the recommendation based on your current goal, but then I'll also do just in the appendices the difference showing you if you just reduce those amounts under the mandated limits for, you know, financial underwriting to make sure we keep you under that limit, what that looks like for you as well so you can decide what you wanna do moving forward. Does that sound okay? Yep. Beautiful.\n\nAll good. If you finally have other questions, let me know. I'm always here happy to help, Matthew. And it's been lovely to chat to you, Camille. I hope you've had a good day.\n\nThat's okay. You you get to put your feet up and relax a little bit now. Congratulations. Oh, congratulations. Yes.\n\nAbsolutely. Yep. Oh, that'll be amazing. Congratulations. Seven years is incredible.\n\nThat's fantastic. You enjoy that night. It's well deserved. All good. I'll let you both go.\n\nHappy anniversary. I'll talk to you very soon. If there's anything else that comes up question wise, just let me know. Okay? Thanks, Matthew.\n\nThanks, Camille. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Matthew.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.2112846001982689},{"text":"It's Dana from Oakey Financial.","start":2.96,"end":4.48,"sentiment":"neutral","sentiment_score":0.23541963398456572},{"text":"How are you today?","start":4.48,"end":5.46,"sentiment":"neutral","sentiment_score":0.2764713689684868},{"text":"I'm very well.","start":7.04,"end":7.9199996,"sentiment":"positive","sentiment_score":0.6254936655362447},{"text":"Thank you.","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.6575418710708618}],"sentiment":"positive","sentiment_score":0.3685698490589857,"num_words":16,"start":2.24,"end":8.66},{"sentences":[{"text":"How's everything going?","start":9.04,"end":10.42,"sentiment":"neutral","sentiment_score":0.15152184665203094},{"text":"Yes.","start":12.975,"end":13.475,"sentiment":"neutral","sentiment_score":-0.022022325545549393},{"text":"Isn't it?","start":13.535,"end":14.3550005,"sentiment":"neutral","sentiment_score":-0.010000158566981554},{"text":"No.","start":14.975,"end":15.375,"sentiment":"neutral","sentiment_score":-0.028482455760240555},{"text":"All good.","start":15.375,"end":15.8550005,"sentiment":"neutral","sentiment_score":0.17900077998638153}],"sentiment":"neutral","sentiment_score":0.0824513334987892,"num_words":9,"start":9.04,"end":15.8550005},{"sentences":[{"text":"I had to book in for a bit of a catch up in relation to some changes to your circumstances and also talking about subdivisions.","start":15.8550005,"end":21.955,"sentiment":"neutral","sentiment_score":0.055825987458229066},{"text":"Is now still a good time there for you?","start":22.175,"end":24.195,"sentiment":"neutral","sentiment_score":0.19365204787916607},{"text":"Yes.","start":30.179998,"end":30.679998,"sentiment":"neutral","sentiment_score":0.06982487440109253},{"text":"Yeah.","start":34.739998,"end":35.22,"sentiment":"neutral","sentiment_score":0.020677033811807632},{"text":"Have a chat.","start":35.22,"end":36.04,"sentiment":"neutral","sentiment_score":0.00985503289848566}],"sentiment":"neutral","sentiment_score":0.08355346472504047,"num_words":39,"start":15.8550005,"end":36.04},{"sentences":[{"text":"Yeah.","start":37.54,"end":38.04,"sentiment":"neutral","sentiment_score":-0.03372560441493988},{"text":"Yeah.","start":39.955,"end":40.455,"sentiment":"neutral","sentiment_score":-0.0044961534440517426},{"text":"No.","start":40.515,"end":40.915,"sentiment":"neutral","sentiment_score":-0.0016614645719528198},{"text":"Absolutely.","start":40.915,"end":41.415,"sentiment":"neutral","sentiment_score":0.14917781949043274},{"text":"All good.","start":41.715,"end":42.275,"sentiment":"neutral","sentiment_score":0.23617514967918396}],"sentiment":"neutral","sentiment_score":0.09694081606964271,"num_words":6,"start":37.54,"end":42.275},{"sentences":[{"text":"So, essentially, we have the advice all ready to go, but one of the things that was kinda noted was you've had a change in your circumstances with your employment.","start":42.275,"end":49.655,"sentiment":"neutral","sentiment_score":0.041013673739507796},{"text":"So you're on a higher income at the moment.","start":49.715,"end":51.635002,"sentiment":"neutral","sentiment_score":0.022170011781983905},{"text":"Is that right?","start":51.635002,"end":52.535,"sentiment":"neutral","sentiment_score":0.037295825158556305},{"text":"Yeah.","start":53.850002,"end":54.170002,"sentiment":"neutral","sentiment_score":0.12920686602592468},{"text":"Beautiful.","start":54.170002,"end":54.65,"sentiment":"neutral","sentiment_score":0.2958371639251709}],"sentiment":"neutral","sentiment_score":0.044701632355678485,"num_words":44,"start":42.275,"end":54.65},{"sentences":[{"text":"So I believe it's 230,000 per annum.","start":54.65,"end":57.05,"sentiment":"neutral","sentiment_score":0.08170028563056674},{"text":"Is that correct?","start":57.05,"end":57.95,"sentiment":"neutral","sentiment_score":0.05890787889560064},{"text":"Or Yeah.","start":58.010002,"end":60.59,"sentiment":"neutral","sentiment_score":0.011030347086489199},{"text":"Yep.","start":70.115,"end":70.595,"sentiment":"neutral","sentiment_score":0.03188047558069229},{"text":"Yeah.","start":70.595,"end":70.995,"sentiment":"neutral","sentiment_score":0.02623914554715157}],"sentiment":"neutral","sentiment_score":0.05920042510011366,"num_words":14,"start":54.65,"end":70.995},{"sentences":[{"text":"So take home pay, we've got, I believe, gross is 8,846 and 15¢ per fortnight, and then net is about 5,733 and 32 cents.","start":70.995,"end":85.12,"sentiment":"neutral","sentiment_score":0.02219783486393483},{"text":"That's okay.","start":85.12,"end":85.840004,"sentiment":"neutral","sentiment_score":0.060806868597865105},{"text":"It's I've got $8,846.15.","start":85.840004,"end":89.6,"sentiment":"neutral","sentiment_score":0.01915394514799118},{"text":"Is that month or fortnight?","start":89.6,"end":91.06,"sentiment":"neutral","sentiment_score":0.009673765860497952},{"text":"Sorry.","start":91.12,"end":91.62,"sentiment":"neutral","sentiment_score":-0.034614257514476776}],"sentiment":"neutral","sentiment_score":0.02064383689846311,"num_words":36,"start":70.995,"end":91.62},{"sentences":[{"text":"That's okay.","start":98.204994,"end":98.945,"sentiment":"neutral","sentiment_score":0.0778636746108532},{"text":"You're right.","start":102.524994,"end":103.345,"sentiment":"neutral","sentiment_score":0.048701513558626175},{"text":"That's that's absolutely fine.","start":106.445,"end":109.424995,"sentiment":"neutral","sentiment_score":0.050810452550649636},{"text":"Perfect.","start":127.395,"end":127.875,"sentiment":"positive","sentiment_score":0.3905426561832428},{"text":"So sorry.","start":127.875,"end":128.355,"sentiment":"neutral","sentiment_score":-0.014608863741159439}],"sentiment":"neutral","sentiment_score":0.07433610138568011,"num_words":11,"start":98.204994,"end":128.355},{"sentences":[{"text":"Can I get you to repeat that last one for me?","start":128.355,"end":130.11499,"sentiment":"neutral","sentiment_score":-0.0009473889050158588},{"text":"So it was 5,000 yep.","start":130.11499,"end":135.575,"sentiment":"neutral","sentiment_score":0.01137449499219656},{"text":"Perfect.","start":135.635,"end":136.135,"sentiment":"positive","sentiment_score":0.35083258152008057},{"text":"Net.","start":136.75499,"end":137.25499,"sentiment":"neutral","sentiment_score":0.10829499363899232},{"text":"And so the other one would have been the gross.","start":138.36,"end":140.45999,"sentiment":"neutral","sentiment_score":0.015039322245866061}],"sentiment":"neutral","sentiment_score":0.023427571236555065,"num_words":28,"start":128.355,"end":140.45999},{"sentences":[{"text":"Yep.","start":143.4,"end":143.79999,"sentiment":"neutral","sentiment_score":0.15752802789211273},{"text":"Beautiful.","start":143.79999,"end":144.29999,"sentiment":"positive","sentiment_score":0.5071327686309814},{"text":"And is that fortnightly?","start":144.36,"end":145.5,"sentiment":"neutral","sentiment_score":0.12346098572015762},{"text":"Yeah.","start":147.4,"end":147.64,"sentiment":"positive","sentiment_score":0.34571582078933716},{"text":"Beautiful.","start":147.64,"end":148.14,"sentiment":"positive","sentiment_score":0.5401356816291809}],"sentiment":"neutral","sentiment_score":0.25554453022778034,"num_words":8,"start":143.4,"end":148.14},{"sentences":[{"text":"Not a problem at all.","start":148.2,"end":148.92,"sentiment":"positive","sentiment_score":0.40158216953277587},{"text":"I'll go back and redid the numbers there for you.","start":148.92,"end":151.31999,"sentiment":"neutral","sentiment_score":0.2398178309202194},{"text":"It's just mainly for the insurance side of things and looking at contributions going in there.","start":151.31999,"end":155.705,"sentiment":"neutral","sentiment_score":0.1606428660452366},{"text":"With the insurances, we were looking at making sure if anything happened to you, that your life cover and your TPD covered your mortgage completely, so it's made it free and clear, and then also one year's worth of net income.","start":156.16501,"end":169.03,"sentiment":"neutral","sentiment_score":0.20609014826576885},{"text":"We were also looking at the tax component for TPDs and making sure that the amount paid out was after the possibility of the tax for TPD if you're under the age of 60.","start":169.33,"end":179.99,"sentiment":"neutral","sentiment_score":0.09933495411978048}],"sentiment":"neutral","sentiment_score":0.17739112766565018,"num_words":106,"start":148.2,"end":179.99},{"sentences":[{"text":"And then with the income and then so with TBD, we're also factoring in a bit more income.","start":180.72499,"end":185.525,"sentiment":"neutral","sentiment_score":0.08513752371072769},{"text":"We're looking at sort of five to ten years worth of income because you are still alive and could be needing ongoing medical support and recovery replacement of things.","start":185.525,"end":194.745,"sentiment":"neutral","sentiment_score":0.08003824384048067},{"text":"With the income protection side of things, we were looking to reduce the waiting period to thirty years, have a five year benefit period, but then making sure that you had up to 70% of your income covered in the event of anything happening.","start":195.67,"end":208.79,"sentiment":"neutral","sentiment_score":0.1137133991684426},{"text":"Does that still sound fairly accurate?","start":208.79,"end":210.56999,"sentiment":"neutral","sentiment_score":0.10411592821280162},{"text":"Yep.","start":212.815,"end":213.315,"sentiment":"neutral","sentiment_score":0.018860336393117905}],"sentiment":"neutral","sentiment_score":0.0969441833392698,"num_words":98,"start":180.72499,"end":213.315},{"sentences":[{"text":"Yes.","start":216.175,"end":216.675,"sentiment":"neutral","sentiment_score":0.006277024745941162},{"text":"Yeah.","start":217.375,"end":217.875,"sentiment":"neutral","sentiment_score":0.08671543002128601},{"text":"Absolutely.","start":217.935,"end":218.435,"sentiment":"neutral","sentiment_score":0.19583512842655185},{"text":"Absolutely.","start":218.735,"end":219.235,"sentiment":"neutral","sentiment_score":0.20226196944713593},{"text":"So one yeah.","start":219.535,"end":222.815,"sentiment":"neutral","sentiment_score":0.23344553199907145}],"sentiment":"neutral","sentiment_score":0.17020373551973275,"num_words":7,"start":216.175,"end":222.815},{"sentences":[{"text":"No.","start":222.815,"end":223.055,"sentiment":"neutral","sentiment_score":-0.06803504377603531},{"text":"Absolutely.","start":223.055,"end":223.555,"sentiment":"neutral","sentiment_score":-0.027351632714271545},{"text":"Absolutely.","start":226.19,"end":226.69,"sentiment":"neutral","sentiment_score":0.06804901361465454},{"text":"No.","start":227.07,"end":227.31,"sentiment":"neutral","sentiment_score":-0.07701963186264038},{"text":"Look.","start":227.31,"end":227.47,"sentiment":"neutral","sentiment_score":0.003784744068980217}],"sentiment":"neutral","sentiment_score":-0.020114510133862496,"num_words":5,"start":222.815,"end":227.47},{"sentences":[{"text":"I had come up with a recommendation for you.","start":227.47,"end":229.31,"sentiment":"neutral","sentiment_score":0.042069190078311496},{"text":"I'll just go back and redid the numbers there.","start":229.31,"end":231.47,"sentiment":"neutral","sentiment_score":0.03894517529341909},{"text":"Just with the increase in the income side of things for you, just to kind of work out, I can do one of two things for you.","start":231.47,"end":239.535,"sentiment":"positive","sentiment_score":0.37557115212634756},{"text":"I can definitely work out the new amount you need based on that goal and make the recommendation for those exact amount, show you the cost of it, the effects, the long going ongoing terms there.","start":239.535,"end":249.515,"sentiment":"positive","sentiment_score":0.5672064216600524},{"text":"However, when we do look at, especially with power with insurers, when you are getting essentially a high amount of, say, life PPD, critical illness, and income protection, depending on the amount in your age, once you kinda get up above those sort of 2,500,000 mark to 3,000,000 mark, they actually start having mandated financial and medical underwriting.","start":249.735,"end":274.01498,"sentiment":"neutral","sentiment_score":-0.08538466524975054}],"sentiment":"neutral","sentiment_score":0.18947245317290154,"num_words":139,"start":227.47,"end":274.01498},{"sentences":[{"text":"Did you want me to, if your goal exceeds those, look at maybe showing you what the reduced amount looks like to keep you under those limits, or would you like to see both?","start":274.47498,"end":284.01498,"sentiment":"neutral","sentiment_score":0.044316435890162695},{"text":"So mandated medic.","start":290.26,"end":292.12,"sentiment":"neutral","sentiment_score":-0.002021015311280886},{"text":"Yeah.","start":294.66,"end":295.16,"sentiment":"neutral","sentiment_score":0.023714041337370872},{"text":"Yeah.","start":297.365,"end":297.865,"sentiment":"neutral","sentiment_score":0.04866427928209305},{"text":"Financial is looking at essentially your assets and liabilities, making sure that what you have or what you're applying for matches what you realistically need.","start":298.005,"end":307.865,"sentiment":"neutral","sentiment_score":0.08484741292893887}],"sentiment":"neutral","sentiment_score":0.05772280340897851,"num_words":64,"start":274.47498,"end":307.865},{"sentences":[{"text":"So they'll wanna see, you know, what your assets and liabilities look like.","start":308.32498,"end":311.77,"sentiment":"neutral","sentiment_score":0.0764182427754769},{"text":"They'll wanna know, you know, a bit more about your income coming in and things like that.","start":311.77,"end":315.63,"sentiment":"neutral","sentiment_score":0.05499828650670893},{"text":"Generally speaking, given your age, because you are still quite young sorry.","start":316.25,"end":321.37,"sentiment":"neutral","sentiment_score":0.024821662964920204},{"text":"It's around about that 2,500,000 mark, so I could look to just keep the the amounts under those mandated financial limits if you like to make sure that you don't have to undergo any additional underwriting that's not required as part of the application.","start":321.37,"end":337.52502,"sentiment":"neutral","sentiment_score":0.04661689910360358},{"text":"You were pretty close.","start":343.97,"end":345.25,"sentiment":"neutral","sentiment_score":0.18355543538928032}],"sentiment":"neutral","sentiment_score":0.055684814270999694,"num_words":90,"start":308.32498,"end":345.25},{"sentences":[{"text":"So when I looked at it last time for life and TBD to keep you above the tax level for TBD, we were actually needing to apply for 2.8.","start":345.25,"end":354.31,"sentiment":"neutral","sentiment_score":0.0586468860314324},{"text":"So I could reduce it back a little bit just under the 2.5 to limit any financial underwriting that isn't, you know, that you don't need to go through.","start":354.585,"end":362.525,"sentiment":"neutral","sentiment_score":0.09182092553839602},{"text":"Realistically, if you don't hit those limits, they don't ask to do any financial underwriting, And medical underwriting only only comes to play if there's something in the application that flags that they need to assess for you.","start":362.585,"end":374.73,"sentiment":"neutral","sentiment_score":-0.08002508931646221},{"text":"But if you apply for really high amounts above that 2.5 to 3,000,000 mark, Because they are taking on a lot more risk with regards to the amounts they have to pay out, they wanna make sure that that you are healthy, that they are you know, the risk they're taking is worth it.","start":375.11002,"end":389.945,"sentiment":"neutral","sentiment_score":-0.18517984018695574},{"text":"So that's why they have those stipulations on those higher sums insured.","start":389.945,"end":393.245,"sentiment":"neutral","sentiment_score":-0.02934624922151367}],"sentiment":"neutral","sentiment_score":-0.05573613098305133,"num_words":162,"start":345.25,"end":393.245},{"sentences":[{"text":"Yeah.","start":395.5,"end":396.0,"sentiment":"neutral","sentiment_score":0.03374219685792923},{"text":"Yeah.","start":396.22,"end":396.54,"sentiment":"neutral","sentiment_score":0.03589729964733124},{"text":"Basically.","start":396.54,"end":397.04,"sentiment":"neutral","sentiment_score":0.04002673178911209},{"text":"Yeah.","start":397.42,"end":397.92,"sentiment":"neutral","sentiment_score":0.06551972031593323},{"text":"Yeah.","start":400.22,"end":400.72,"sentiment":"neutral","sentiment_score":0.03533289581537247}],"sentiment":"neutral","sentiment_score":0.04210376888513565,"num_words":5,"start":395.5,"end":400.72},{"sentences":[{"text":"Did you want me I can look at both if you like.","start":404.62,"end":407.025,"sentiment":"neutral","sentiment_score":0.23683862263957658},{"text":"I can look at recommending what you need and showing you the cost of that, but then in the appendix, I can always put down, you know, the difference if you went just under those amounts.","start":407.10498,"end":415.685,"sentiment":"neutral","sentiment_score":0.17663854898677933},{"text":"Yeah.","start":427.76,"end":428.0,"sentiment":"neutral","sentiment_score":-0.04876922070980072},{"text":"Yeah.","start":428.0,"end":428.5,"sentiment":"neutral","sentiment_score":-0.03958390653133392},{"text":"Abs absolutely.","start":429.04,"end":430.1,"sentiment":"neutral","sentiment_score":0.030998695641756058}],"sentiment":"neutral","sentiment_score":0.17643645190848753,"num_words":52,"start":404.62,"end":430.1},{"sentences":[{"text":"Yeah.","start":430.56,"end":430.88,"sentiment":"neutral","sentiment_score":0.05485585331916809},{"text":"Just for TPD, but, realistically, I mean, if you were to claim on TPD, we're gonna help you with that claim.","start":430.88,"end":436.23502,"sentiment":"neutral","sentiment_score":0.09162101278170234},{"text":"But then I'm also gonna give you advice on what to do with the funds to help you limit the tax consequences there.","start":436.23502,"end":441.355,"sentiment":"neutral","sentiment_score":0.13582979741951692},{"text":"So we can do everything in the event of a claim to help.","start":441.355,"end":444.975,"sentiment":"neutral","sentiment_score":0.005715734970111113},{"text":"And the biggest risk with having TPD or any insurances is that you pay all the premiums for years and years, and you never actually claim on them.","start":445.37,"end":452.40997,"sentiment":"neutral","sentiment_score":-0.29602090482200893}],"sentiment":"neutral","sentiment_score":-0.03617788741884883,"num_words":86,"start":430.56,"end":452.40997},{"sentences":[{"text":"And then you discover you don't need them anymore, and they just get canceled too.","start":452.40997,"end":455.93,"sentiment":"neutral","sentiment_score":-0.20281147559483845},{"text":"So yeah.","start":455.93,"end":456.99,"sentiment":"neutral","sentiment_score":-0.06907635927200317},{"text":"Yeah.","start":466.975,"end":467.475,"sentiment":"neutral","sentiment_score":0.057668380439281464},{"text":"Absolutely.","start":467.535,"end":468.035,"sentiment":"neutral","sentiment_score":0.01539342850446701},{"text":"Absolutely.","start":468.655,"end":469.155,"sentiment":"neutral","sentiment_score":-0.07146577537059784}],"sentiment":"neutral","sentiment_score":-0.15893644094467163,"num_words":20,"start":452.40997,"end":469.155},{"sentences":[{"text":"Yeah.","start":469.935,"end":470.255,"sentiment":"neutral","sentiment_score":0.06965288519859314},{"text":"That's okay.","start":470.255,"end":470.73502,"sentiment":"neutral","sentiment_score":0.22811873257160187},{"text":"If you like, I can go back and do the recommendation based on what you actually need and show you the effect of that, but then I can also go back for you if you like and do the just under those limits and show you the difference, one in the recommendation and then one in the appendices, then you can decide which way you wanna go with that.","start":470.73502,"end":488.315,"sentiment":"neutral","sentiment_score":0.15644609744566074},{"text":"Does that sound okay?","start":488.315,"end":489.455,"sentiment":"neutral","sentiment_score":0.1302445512264967},{"text":"Yeah.","start":491.19498,"end":491.675,"sentiment":"positive","sentiment_score":0.3997778296470642}],"sentiment":"neutral","sentiment_score":0.15897957283955116,"num_words":77,"start":469.935,"end":491.675},{"sentences":[{"text":"Beautiful.","start":491.675,"end":492.175,"sentiment":"positive","sentiment_score":0.7087018489837646},{"text":"Excellent.","start":492.395,"end":492.895,"sentiment":"positive","sentiment_score":0.6941847801208496},{"text":"So I'll get on to that one for you, and we'll have that advice document sorted out.","start":492.955,"end":497.19498,"sentiment":"positive","sentiment_score":0.4675840191981372},{"text":"It's only a small change to make, so we'll go back and have that updated for you.","start":497.19498,"end":501.73,"sentiment":"positive","sentiment_score":0.4135163969853345},{"text":"It's not a problem at all.","start":501.73,"end":503.17,"sentiment":"positive","sentiment_score":0.4712477425734202}],"sentiment":"positive","sentiment_score":0.4573590514205751,"num_words":42,"start":491.675,"end":503.17},{"sentences":[{"text":"Easy.","start":503.17,"end":503.67,"sentiment":"positive","sentiment_score":0.4922811985015869},{"text":"All good.","start":505.89,"end":506.71002,"sentiment":"positive","sentiment_score":0.4702726751565933},{"text":"And with contributions with your new employer, are they just paying the standard 12%?","start":507.17,"end":511.81,"sentiment":"neutral","sentiment_score":0.04088122903236321},{"text":"You're not getting anything additional on top of that at the moment?","start":511.81,"end":514.79004,"sentiment":"neutral","sentiment_score":-0.011999417717258135},{"text":"Yeah.","start":517.375,"end":517.875,"sentiment":"neutral","sentiment_score":-0.03527434915304184}],"sentiment":"neutral","sentiment_score":0.06086321311692397,"num_words":30,"start":503.17,"end":517.875},{"sentences":[{"text":"Yeah.","start":519.695,"end":520.195,"sentiment":"neutral","sentiment_score":-0.04319797083735466},{"text":"No.","start":521.21497,"end":521.695,"sentiment":"neutral","sentiment_score":-0.03428789973258972},{"text":"Understandable.","start":521.695,"end":522.195,"sentiment":"neutral","sentiment_score":0.012589748948812485},{"text":"Understandable.","start":523.055,"end":523.555,"sentiment":"neutral","sentiment_score":0.0637773722410202},{"text":"All good.","start":524.335,"end":525.075,"sentiment":"neutral","sentiment_score":0.22380647063255307}],"sentiment":"neutral","sentiment_score":0.07441569864749907,"num_words":6,"start":519.695,"end":525.075},{"sentences":[{"text":"Well, that is not a problem.","start":525.135,"end":526.335,"sentiment":"neutral","sentiment_score":0.14258302003145218},{"text":"I'll go back and read you those numbers there for you, and I'll be able to have the advice document done.","start":526.335,"end":530.91,"sentiment":"neutral","sentiment_score":0.1824600292103631},{"text":"I'll book you back in for two weeks.","start":530.91,"end":532.85,"sentiment":"neutral","sentiment_score":0.12575148046016693},{"text":"Is there a preferred day or time to go through the updated advice there with you, Matthew?","start":532.99,"end":537.89,"sentiment":"neutral","sentiment_score":0.09318370503537796},{"text":"Yep.","start":547.645,"end":548.125,"sentiment":"neutral","sentiment_score":0.04203116521239281}],"sentiment":"neutral","sentiment_score":0.1381004665679527,"num_words":53,"start":525.135,"end":548.125},{"sentences":[{"text":"So we're looking at Monday at 03:30.","start":548.125,"end":550.765,"sentiment":"neutral","sentiment_score":0.032022908862148015},{"text":"I do have an appointment that time, but I could do the 05:00 appointment afterwards if you prefer, or I could do the Tuesday, the twenty sixth.","start":550.765,"end":558.70996,"sentiment":"neutral","sentiment_score":0.043604096604718104},{"text":"Oh, that's okay.","start":560.93,"end":563.99,"sentiment":"neutral","sentiment_score":0.008821858714024225},{"text":"That's okay.","start":564.69,"end":565.32996,"sentiment":"neutral","sentiment_score":0.027109690010547638},{"text":"So sorry.","start":565.32996,"end":565.81,"sentiment":"neutral","sentiment_score":-0.026077759452164173}],"sentiment":"neutral","sentiment_score":0.034878058722469865,"num_words":41,"start":548.125,"end":565.81},{"sentences":[{"text":"I just realized it's only one week.","start":565.81,"end":567.64996,"sentiment":"neutral","sentiment_score":-0.05269374538745199},{"text":"Two weeks is the June 1, and it's fine.","start":567.64996,"end":569.81,"sentiment":"neutral","sentiment_score":-0.008335076201344944},{"text":"Sorry.","start":569.81,"end":570.31,"sentiment":"neutral","sentiment_score":-0.09412400424480438},{"text":"Oh, no.","start":575.755,"end":576.495,"sentiment":"neutral","sentiment_score":-0.0605793260037899},{"text":"All good.","start":578.395,"end":578.955,"sentiment":"neutral","sentiment_score":0.1515727862715721}],"sentiment":"neutral","sentiment_score":-0.01695280891588135,"num_words":21,"start":565.81,"end":578.955},{"sentences":[{"text":"So I'll pop that in there for you for 03:30.","start":578.955,"end":581.275,"sentiment":"neutral","sentiment_score":0.0406288854777813},{"text":"No.","start":581.275,"end":581.515,"sentiment":"neutral","sentiment_score":-0.023223120719194412},{"text":"You are oh, you are absolutely fine.","start":581.515,"end":584.955,"sentiment":"neutral","sentiment_score":0.3136977840747152},{"text":"I've popped that one in there two weeks for you.","start":584.955,"end":586.84,"sentiment":"neutral","sentiment_score":0.034963707253336904},{"text":"My apologies.","start":586.84,"end":587.64,"sentiment":"neutral","sentiment_score":-0.22532732784748077}],"sentiment":"neutral","sentiment_score":0.08259775464733442,"num_words":30,"start":578.955,"end":587.64},{"sentences":[{"text":"The month is flying by.","start":587.64,"end":588.84,"sentiment":"neutral","sentiment_score":-0.23561659455299377},{"text":"It's crazy how fast everything goes.","start":588.84,"end":590.78,"sentiment":"neutral","sentiment_score":-0.0016680595775445302},{"text":"Beautiful.","start":595.08,"end":595.58,"sentiment":"positive","sentiment_score":0.5495796799659729},{"text":"All good.","start":602.205,"end":602.925,"sentiment":"positive","sentiment_score":0.3355681300163269},{"text":"Well, perfect.","start":602.925,"end":603.485,"sentiment":"positive","sentiment_score":0.57621830701828}],"sentiment":"neutral","sentiment_score":0.07406632648780942,"num_words":16,"start":587.64,"end":603.485},{"sentences":[{"text":"So the advice, everything's good to go.","start":603.485,"end":605.72504,"sentiment":"positive","sentiment_score":0.5033742572580066},{"text":"I'll just go back and rejig that for you and have it ready on the June 1 at 03:30.","start":605.72504,"end":609.565,"sentiment":"neutral","sentiment_score":0.20270135841871562},{"text":"That's not a problem at 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that was the one thing because I know we booked this appointment prior to the budget coming out last week, and then I was looking through it going, oh, no.","start":700.97003,"end":707.235,"sentiment":"neutral","sentiment_score":0.06675682493275212},{"text":"This is gonna affect our conversation pretty heavily, actually.","start":707.235,"end":710.055,"sentiment":"neutral","sentiment_score":-0.1628990527242422}],"sentiment":"neutral","sentiment_score":0.03740826019540776,"num_words":43,"start":696.73,"end":710.055},{"sentences":[{"text":"Yes.","start":718.29004,"end":718.77,"sentiment":"neutral","sentiment_score":0.047443047165870667},{"text":"Yes.","start":718.77,"end":719.27,"sentiment":"neutral","sentiment_score":0.0556371845304966},{"text":"Yeah.","start":720.53,"end":721.01,"sentiment":"neutral","sentiment_score":0.2010064423084259},{"text":"Definitely.","start":721.01,"end":721.51,"sentiment":"positive","sentiment_score":0.336292028427124},{"text":"So one of the things that obviously, when you're talking about you've you know, you're making a really good income at the moment.","start":721.97003,"end":727.89,"sentiment":"neutral","sentiment_score":0.33043875577657117}],"sentiment":"neutral","sentiment_score":0.30520259575159464,"num_words":27,"start":718.29004,"end":727.89},{"sentences":[{"text":"You're wanting to look at ways to invest.","start":727.89,"end":729.825,"sentiment":"positive","sentiment_score":0.38956576213240623},{"text":"Are you sort of hoping to be able to maybe reduce some of the taxable tax that you're paying towards your income, kind of free up some extra cash flow?","start":729.825,"end":737.34503,"sentiment":"neutral","sentiment_score":0.1911610744893551},{"text":"What's the with purchasing another property or subdividing?","start":737.34503,"end":740.565,"sentiment":"neutral","sentiment_score":0.008322380657773465},{"text":"Yes.","start":752.69,"end":753.19,"sentiment":"neutral","sentiment_score":0.1419268548488617},{"text":"Yes.","start":761.505,"end":762.005,"sentiment":"neutral","sentiment_score":0.23179572820663452}],"sentiment":"neutral","sentiment_score":0.1935762491678664,"num_words":48,"start":727.89,"end":762.005},{"sentences":[{"text":"Yeah.","start":767.52,"end":768.02,"sentiment":"neutral","sentiment_score":0.2064575701951981},{"text":"Mhmm.","start":780.975,"end":781.475,"sentiment":"neutral","sentiment_score":-0.06722009181976318},{"text":"Yeah.","start":787.77496,"end":788.27496,"sentiment":"neutral","sentiment_score":-0.053442515432834625},{"text":"Yeah.","start":801.47,"end":801.87,"sentiment":"neutral","sentiment_score":0.05630829557776451},{"text":"Of 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got a bit of information here on the the side around the subdivision side, and it's not a bad idea, realistically.","start":872.55,"end":879.545,"sentiment":"neutral","sentiment_score":0.1183985310792923},{"text":"And under the budget, that does meet, you know, the idea of being able to negatively gear and also utilize the 50% CGT method because that's one of the big things we wanna look at is, you know, if you were to go and buy another property, another preexisting property, whilst buying that now still allows you to negatively gear until this bill goes through or if it goes through with the current, you know, amendments.","start":879.605,"end":903.3,"sentiment":"neutral","sentiment_score":-0.08461678878551251}],"sentiment":"neutral","sentiment_score":-0.027661820927348275,"num_words":104,"start":869.67,"end":903.3},{"sentences":[{"text":"Exactly.","start":903.6,"end":904.1,"sentiment":"neutral","sentiment_score":0.0278624277561903},{"text":"Once this bill then goes through, that changes everything that you're able to do, and then you've purchased the property.","start":905.055,"end":910.195,"sentiment":"neutral","sentiment_score":-0.03451313071418553},{"text":"And markets a lot of markets are currently starting to have a bit of a decline.","start":910.495,"end":914.015,"sentiment":"negative","sentiment_score":-0.42398772574961185},{"text":"So I know Sydney and Melbourne have started to see a bit of a decline, so Brisbane will, at some point, see some sort of a decline as well.","start":914.015,"end":920.015,"sentiment":"neutral","sentiment_score":-0.29406515020748664},{"text":"So it's about kinda just making sure that whatever you're doing now to get an investment is gonna be okay for the long run.","start":920.015,"end":929.02997,"sentiment":"neutral","sentiment_score":0.12319561063001554}],"sentiment":"neutral","sentiment_score":-0.144637761104645,"num_words":90,"start":903.6,"end":929.02997},{"sentences":[{"text":"You don't wanna kinda get to July next year and discover everything goes through, and then you can no longer know, it's gonna cost you more money.","start":929.02997,"end":936.625,"sentiment":"negative","sentiment_score":-0.4427817905390704},{"text":"So, realistically, in order to subdivide, are you okay if I start running through the information now?","start":937.96497,"end":943.88495,"sentiment":"neutral","sentiment_score":-0.050442883744835854},{"text":"Or yeah?","start":943.88495,"end":946.70496,"sentiment":"neutral","sentiment_score":0.030999012291431427},{"text":"Oh, beautiful.","start":947.13995,"end":947.38,"sentiment":"positive","sentiment_score":0.4974714368581772},{"text":"Hi, Camille.","start":947.38,"end":948.82,"sentiment":"neutral","sentiment_score":0.13942285627126694}],"sentiment":"neutral","sentiment_score":-0.22953701514750718,"num_words":50,"start":929.02997,"end":948.82},{"sentences":[{"text":"How are you?","start":948.82,"end":949.8,"sentiment":"neutral","sentiment_score":-0.00792566811045011},{"text":"Oh, no.","start":952.33997,"end":952.82,"sentiment":"neutral","sentiment_score":-0.14070546627044678},{"text":"All good.","start":952.82,"end":953.63995,"sentiment":"neutral","sentiment_score":-0.014092469587922096},{"text":"So, realistically, in order to subdivide, most of them take anywhere up to about two years.","start":953.86,"end":959.54,"sentiment":"neutral","sentiment_score":0.0241625823546201},{"text":"Majority is around about eighteen months.","start":959.54,"end":961.72,"sentiment":"neutral","sentiment_score":0.05636208442350229}],"sentiment":"neutral","sentiment_score":0.013496584419546456,"num_words":29,"start":948.82,"end":961.72},{"sentences":[{"text":"The process generally starts where you're looking at the initial planning and research, which depending on how things go and, you know, if things stay on time, can normally happen within about one to two to three months.","start":961.96497,"end":973.985,"sentiment":"neutral","sentiment_score":0.05287792004252735},{"text":"You're looking at consulting with professionals like land surveyors, conveyances to understand the feasibility of the subdivision plans, looking at rezoning laws and making sure that your plans are in line with those sorts of things, making sure the property is eligible for subdivision, accessing infrastructure to determining if there's any additional infrastructure or utilities or public spaces or anything that need need to be added into the area or into the the land to be rezoned and subdivided.","start":974.35,"end":1003.24,"sentiment":"neutral","sentiment_score":0.06790312266425241},{"text":"And then starting the pre application after that point, which is essentially looking at engaging a surveyor to make sure the application's done correctly with the proposal for the subdivision, looking at initial surveys and gathering all that data to have lodged with the pre application.","start":1004.01996,"end":1019.855,"sentiment":"neutral","sentiment_score":0.08321108628550301},{"text":"Then application stage can take anywhere from two to four months if on point.","start":1020.555,"end":1024.955,"sentiment":"neutral","sentiment_score":0.05770601970808847},{"text":"It also comes down to what your council is like and how often they approve things or, you know, what backlog they may be having at the moment as well.","start":1024.955,"end":1033.71,"sentiment":"neutral","sentiment_score":-0.015943994373083116}],"sentiment":"neutral","sentiment_score":0.05570522737171915,"num_words":207,"start":961.96497,"end":1033.71},{"sentences":[{"text":"And going down the track with what's happening in the budget, this could become a little bit more prevalent, as there are gonna be so many stipulations around what investors can essentially do.","start":1034.17,"end":1041.3823,"sentiment":"neutral","sentiment_score":-0.0494156295828747},{"text":"So once you're kind of in that can essentially do.","start":1041.407,"end":1044.0349,"sentiment":"neutral","sentiment_score":0.09426037073135377},{"text":"So once you're kind of in that application stage, you're lodging the application for it.","start":1044.735,"end":1050.0149,"sentiment":"neutral","sentiment_score":0.07443606133262316},{"text":"So it's preparing, submitting, looking at waiting for council assessment, and then often just going back and forth, making changes to the plan if it's not up to their standard.","start":1050.0149,"end":1058.7301,"sentiment":"neutral","sentiment_score":0.019205380603671073},{"text":"They wanna make changes or if zoning requires new things, so updating the plans when need be.","start":1058.7301,"end":1064.1101,"sentiment":"neutral","sentiment_score":0.06721514255246695}],"sentiment":"neutral","sentiment_score":0.02044997802447705,"num_words":105,"start":1034.17,"end":1064.1101},{"sentences":[{"text":"If all goes well within about sort of three to six months, you can have that conditional approval, which is fine, And then it's sort of looking at address addressing any additional council conditions if they've stipulated additional conditions to the plan or if they've stipulated any additional conditions to the building.","start":1064.7301,"end":1083.135,"sentiment":"neutral","sentiment_score":0.18216934889698258},{"text":"Looking at setting up the infrastructure, so organizing builders and things like that to to make sure that everything's in line with it.","start":1083.99,"end":1091.67,"sentiment":"neutral","sentiment_score":0.2070333494440369},{"text":"And then it sort of starts going down the the subdivision route, and we're looking around about, you know, another five to six months to go through the, you know, the preparation of the land, the lodging of the registration of the title.","start":1091.67,"end":1105.725,"sentiment":"neutral","sentiment_score":0.06653550813017889},{"text":"We're looking at the sorry.","start":1106.425,"end":1109.465,"sentiment":"neutral","sentiment_score":-0.15533186197280885},{"text":"My throat is still happening.","start":1109.465,"end":1110.765,"sentiment":"negative","sentiment_score":-0.7219472885131836}],"sentiment":"neutral","sentiment_score":0.09929065841424745,"num_words":128,"start":1064.7301,"end":1110.765},{"sentences":[{"text":"We're just looking at, you know, all the different factors there and then the building of the properties as well, so making sure that everything sort of stays on track with that.","start":1111.0,"end":1119.1599,"sentiment":"neutral","sentiment_score":-0.008507280144840479},{"text":"Most of them take anywhere from eighteen months to just over two years.","start":1119.1599,"end":1123.72,"sentiment":"neutral","sentiment_score":-0.10924041729706985},{"text":"I have seen some take a little bit longer.","start":1123.72,"end":1125.9,"sentiment":"neutral","sentiment_score":-0.20874060028129154},{"text":"Subdivision is a good idea if it's something you wanna do.","start":1126.605,"end":1129.965,"sentiment":"positive","sentiment_score":0.4894195686687123},{"text":"It does keep in line with the budget, and one of the things that allows you to, a, utilize negative gearing, but also the 50% CGT or lets you choose between the 50% CGT or the indexation method is essentially where a duplex is constructed so you're knocked down and rebuild.","start":1129.965,"end":1148.26,"sentiment":"neutral","sentiment_score":0.15884157698418871}],"sentiment":"neutral","sentiment_score":0.08546130939242269,"num_words":116,"start":1111.0,"end":1148.26},{"sentences":[{"text":"So you have to be willing to knock down your current property and rebuild two properties because you have to add to the housing market.","start":1148.26,"end":1156.2,"sentiment":"neutral","sentiment_score":0.008808553516864777},{"text":"So one of the non eligible conditions under the budget is that you can't put on a granny flat or another house in your backyard.","start":1156.26,"end":1164.585,"sentiment":"neutral","sentiment_score":-0.26256059885025024},{"text":"You have to physically complete a full knockdown and a rebuild of that property.","start":1164.645,"end":1168.325,"sentiment":"neutral","sentiment_score":-0.2224538821194853},{"text":"So you might need to look at buying something as your main primary residence beforehand and then going to the process of the subdivision as well, which depending on sort of what you're after, can put a bit more of a strain on the budget.","start":1168.325,"end":1181.61,"sentiment":"neutral","sentiment_score":-0.23753521889448165},{"text":"You are sort of outlying.","start":1181.61,"end":1182.73,"sentiment":"neutral","sentiment_score":-0.2544534683227539}],"sentiment":"neutral","sentiment_score":-0.18789041820063926,"num_words":114,"start":1148.26,"end":1182.73},{"sentences":[{"text":"I know with most building loans, you pay they don't sort of rec need you to pay anything a lot back in the in the early end.","start":1182.73,"end":1190.605,"sentiment":"neutral","sentiment_score":-0.19643005701126875},{"text":"Everything's sort of done in stages.","start":1190.605,"end":1192.145,"sentiment":"neutral","sentiment_score":-0.07041407066086929},{"text":"So you would be paying normally.","start":1192.365,"end":1194.705,"sentiment":"neutral","sentiment_score":-0.04149545604983965},{"text":"Could depend on the loan you get, but it's normally interest only until the handover of the property and the property is completed, and then you start paying PNI if that's the way the loan is set up.","start":1194.845,"end":1204.84,"sentiment":"neutral","sentiment_score":-0.008839698768784538},{"text":"Often, repayments can be a little bit easier, and drawdowns happen as soon as, like, one section is approved by, you know, the builder.","start":1205.2999,"end":1212.98,"sentiment":"neutral","sentiment_score":0.04730300121688439}],"sentiment":"neutral","sentiment_score":-0.05124460617403066,"num_words":101,"start":1182.73,"end":1212.98},{"sentences":[{"text":"Once the builder is completed, he gets it reviewed and checked.","start":1212.98,"end":1216.235,"sentiment":"neutral","sentiment_score":0.05591189353303476},{"text":"And once that's being checked and it's approved, then the next stage happens, and the banks require certificates at each stage to allow different drawdowns for you.","start":1216.235,"end":1225.455,"sentiment":"neutral","sentiment_score":0.05343684150526921},{"text":"So that is definitely one way of doing it.","start":1225.755,"end":1228.095,"sentiment":"neutral","sentiment_score":0.1407788089580006},{"text":"Another way is obviously looking at home and land packages.","start":1228.7999,"end":1233.22,"sentiment":"neutral","sentiment_score":0.13253837898373605},{"text":"So I know they are a lot smaller.","start":1233.36,"end":1235.2,"sentiment":"neutral","sentiment_score":0.1346275727264583}],"sentiment":"neutral","sentiment_score":0.0881113723350259,"num_words":65,"start":1212.98,"end":1235.2},{"sentences":[{"text":"They're a lot different.","start":1235.2,"end":1236.1599,"sentiment":"neutral","sentiment_score":0.06777804717421532},{"text":"I'm not sure what they're like in your area, but you could also look at maybe buying a home and land package or two or something.","start":1236.1599,"end":1242.875,"sentiment":"neutral","sentiment_score":0.12240012333943294},{"text":"If you're looking to sell your property, maybe buy, you know, a new house or something for yourselves to live in, and maybe if you still want an investment property purchasing, like, a home and land package somewhere.","start":1242.875,"end":1252.955,"sentiment":"neutral","sentiment_score":0.11468270401421346},{"text":"That way, you are still buying a brand new house.","start":1252.955,"end":1256.13,"sentiment":"neutral","sentiment_score":0.0035933464765548705},{"text":"It's still giving you eligibility for that negative gearing, and that's probably one of the big things.","start":1256.13,"end":1260.85,"sentiment":"negative","sentiment_score":-0.37070493312443004}],"sentiment":"neutral","sentiment_score":0.01626744999697334,"num_words":95,"start":1235.2,"end":1260.85},{"sentences":[{"text":"It's the negative gearing.","start":1260.85,"end":1262.0499,"sentiment":"negative","sentiment_score":-0.40934477746486664},{"text":"That's the way the the rental property goes for you, helps you to save on the amount of income tax you are paying, can provide a greater tax deduction each year.","start":1262.0499,"end":1271.205,"sentiment":"neutral","sentiment_score":0.017493018459889195},{"text":"And that's one of the main reasons investors have property is to take advantage of those tax deductions to put as much money they can to the into the investment property and sort of save on their income tax, especially when you are a high income tax payer.","start":1271.205,"end":1285.3,"sentiment":"neutral","sentiment_score":0.3267287158463053},{"text":"But like yourself, you're on a very high income.","start":1285.3,"end":1287.46,"sentiment":"neutral","sentiment_score":0.06060660257935524},{"text":"So but in order to Yeah.","start":1287.46,"end":1297.395,"sentiment":"neutral","sentiment_score":0.10021845251321793}],"sentiment":"neutral","sentiment_score":0.16055768327870673,"num_words":98,"start":1260.85,"end":1297.395},{"sentences":[{"text":"Yeah.","start":1297.395,"end":1297.895,"sentiment":"neutral","sentiment_score":-0.050655655562877655},{"text":"That one ninety is that cut off at the moment.","start":1298.035,"end":1300.375,"sentiment":"neutral","sentiment_score":-0.14408899024128913},{"text":"Yeah.","start":1302.275,"end":1302.775,"sentiment":"neutral","sentiment_score":0.0007732100784778595},{"text":"But yeah.","start":1304.915,"end":1305.395,"sentiment":"neutral","sentiment_score":-0.012597477063536644},{"text":"I mean, the subdivision's not a bad idea.","start":1305.395,"end":1308.4501,"sentiment":"neutral","sentiment_score":-0.10849595023319125}],"sentiment":"neutral","sentiment_score":-0.10836067744954066,"num_words":22,"start":1297.395,"end":1308.4501},{"sentences":[{"text":"It's more just about how much time you have to put into that.","start":1308.4501,"end":1312.29,"sentiment":"neutral","sentiment_score":-0.1292081458064226},{"text":"Generally speaking, the average cost of this is about a 150,000.","start":1312.29,"end":1316.4501,"sentiment":"neutral","sentiment_score":-0.08666852861642838},{"text":"That's not including rebuilding another another property on the land.","start":1316.4501,"end":1320.39,"sentiment":"neutral","sentiment_score":-0.22086546272039415},{"text":"So you'd need to make sure you've got that capital upfront.","start":1320.9049,"end":1323.725,"sentiment":"neutral","sentiment_score":-0.17575729028745132},{"text":"I would definitely speak to a mortgage broker and look at maybe what your borrowing capacity looks like, and maybe have a chat with some real estate agents and see in the area and find out if you were to sell the property, what would they get for it, how quick are they selling properties, and is this a, you know, a good idea for the area at the moment, you know, with your with your houses and if it's in a good family area close to schools and parks and things like that, it might be really quick to sell off.","start":1324.4249,"end":1350.885,"sentiment":"neutral","sentiment_score":-0.01077666544519803}],"sentiment":"neutral","sentiment_score":-0.05356642453088647,"num_words":147,"start":1308.4501,"end":1350.885},{"sentences":[{"text":"So properties are still selling.","start":1351.605,"end":1353.125,"sentiment":"neutral","sentiment_score":-0.27602029144763945},{"text":"I know housing market has sort of decreased in a lot of areas, but real estate agents are still selling properties.","start":1353.125,"end":1358.325,"sentiment":"negative","sentiment_score":-0.33771951780432746},{"text":"People still wanna get into the market.","start":1358.325,"end":1360.265,"sentiment":"neutral","sentiment_score":-0.13462090492248535},{"text":"So it could still be a good time to assess that, but it just comes down to the time capacity you have to do this to liaise with the conveyances, with the builders, with the land and titles office, and with your local council to make sure all the plans go through.","start":1360.325,"end":1377.3301,"sentiment":"neutral","sentiment_score":-0.09910209068598655},{"text":"There's often quite a lot of back and forth as well.","start":1377.535,"end":1379.775,"sentiment":"neutral","sentiment_score":-0.2433763945644552}],"sentiment":"neutral","sentiment_score":-0.17963548668194562,"num_words":96,"start":1351.605,"end":1379.775},{"sentences":[{"text":"I have seen a few where it's taken longer than the eighteen months to two year mark because it's got a lot of back and forth with the plans.","start":1379.775,"end":1386.275,"sentiment":"neutral","sentiment_score":-0.2779669376282856},{"text":"There's had to be changes made to it or councils decided that something's gonna happen with that that area, and they've decided the subdivision is not gonna be viable and not gonna go through.","start":1386.895,"end":1396.13,"sentiment":"negative","sentiment_score":-0.4900273246800198},{"text":"So it just sort of comes down.","start":1396.13,"end":1397.89,"sentiment":"neutral","sentiment_score":-0.03765872653041567},{"text":"There's a lot of factors that can go into it, but it's not at all a bad idea for something you wanna do.","start":1397.89,"end":1403.35,"sentiment":"neutral","sentiment_score":0.05780458320742068},{"text":"It might just mean you'd have to maybe buy something to live in as your main primary residence first.","start":1404.305,"end":1409.765,"sentiment":"neutral","sentiment_score":0.038963751181175836}],"sentiment":"neutral","sentiment_score":-0.20460504133786475,"num_words":112,"start":1379.775,"end":1409.765},{"sentences":[{"text":"That way, you've got you've got that capacity to go through the subdivision and knock down the house and then build those two properties.","start":1410.545,"end":1418.085,"sentiment":"neutral","sentiment_score":-0.08902534563094378},{"text":"That way, you are still meeting those conditions under the new legislation if it goes through.","start":1418.145,"end":1423.64,"sentiment":"neutral","sentiment_score":0.16319191362708807},{"text":"Yeah.","start":1439.635,"end":1440.135,"sentiment":"neutral","sentiment_score":-0.010116146877408028},{"text":"Mhmm.","start":1440.195,"end":1440.695,"sentiment":"neutral","sentiment_score":-0.05908825248479843},{"text":"It does.","start":1442.6749,"end":1443.33,"sentiment":"neutral","sentiment_score":-0.059027135372161865}],"sentiment":"neutral","sentiment_score":0.006527355745096098,"num_words":44,"start":1410.545,"end":1443.33},{"sentences":[{"text":"Yeah.","start":1443.57,"end":1443.8099,"sentiment":"neutral","sentiment_score":0.02044317126274109},{"text":"So under the under the eligibility for the new build, they've given four conditions.","start":1443.8099,"end":1448.39,"sentiment":"neutral","sentiment_score":0.003693170579416411},{"text":"The first one is a newly constructed apartment bought off the plan, a duplex a duplex constructed through a knockdown and rebuild, replacing a single freestanding house, which is where the subdivision side of things comes into.","start":1448.45,"end":1460.965,"sentiment":"neutral","sentiment_score":0.0391094973562537},{"text":"Or if you don't decide to subdivide and you wanna keep it as one titled property and you can just then look to maybe knock down the house and build through, you know, duplexes whether it be attached without the subdivision side of things, but it still has to go through council approval to be able to look at that.","start":1461.1849,"end":1477.1,"sentiment":"neutral","sentiment_score":0.02719869796031465},{"text":"The other two conditions under the new legislation, if approved, is any residential construction on a previously vacant land so you could buy land somewhere else and maybe build on it that way as well.","start":1477.88,"end":1489.4751,"sentiment":"neutral","sentiment_score":0.046968657416956765}],"sentiment":"neutral","sentiment_score":0.03261920985556683,"num_words":147,"start":1443.57,"end":1489.4751},{"sentences":[{"text":"Oh, the last condition is a newly built property which is occupied for less than twelve months before being first sold.","start":1489.635,"end":1496.8551,"sentiment":"neutral","sentiment_score":0.014245993324688502},{"text":"So if someone else has maybe built a house or, you know, build a house in the short term and they've only owned it for less than twelve months and then then they sell it on to you, then that still meets that condition of a new build as well.","start":1497.0751,"end":1510.0499,"sentiment":"neutral","sentiment_score":0.04645226050168276},{"text":"Under the section where it's not eligible for a new build, they've got an established property that has recently been extended to add additional bedrooms, a freestanding house constructed through a knockdown and rebuild replacing an older, smaller freestanding house.","start":1510.75,"end":1523.485,"sentiment":"neutral","sentiment_score":-0.13955654501914977},{"text":"So if you were to knock down your house and rebuild it basically and add some extra rooms, it doesn't quite qualify.","start":1523.485,"end":1528.9451,"sentiment":"negative","sentiment_score":-0.45723428103056823},{"text":"A granny flat built adjacent to an established property that is not eligible for negative gearing, so they don't let us build a granny flat in the backyard and rent that out, unfortunately.","start":1529.88,"end":1540.22,"sentiment":"neutral","sentiment_score":-0.24084306237372485}],"sentiment":"neutral","sentiment_score":-0.1263099888968001,"num_words":166,"start":1489.635,"end":1540.22},{"sentences":[{"text":"And then yeah.","start":1541.64,"end":1547.2749,"sentiment":"neutral","sentiment_score":-0.08388194565971692},{"text":"And then the last one there is a newly built property, which has been occupied for more than twelve months.","start":1547.8949,"end":1552.375,"sentiment":"neutral","sentiment_score":-0.09102027378976345},{"text":"Doesn't meet that criteria either, unfortunately.","start":1552.375,"end":1554.635,"sentiment":"negative","sentiment_score":-0.3697608063618342},{"text":"Yeah.","start":1557.27,"end":1557.77,"sentiment":"neutral","sentiment_score":-0.00328860804438591},{"text":"Yeah.","start":1567.9249,"end":1568.4249,"sentiment":"neutral","sentiment_score":-0.0414138026535511}],"sentiment":"neutral","sentiment_score":-0.1398489858594633,"num_words":31,"start":1541.64,"end":1568.4249},{"sentences":[{"text":"Yeah.","start":1569.765,"end":1570.165,"sentiment":"neutral","sentiment_score":0.13837525248527527},{"text":"It can do.","start":1570.165,"end":1571.0449,"sentiment":"neutral","sentiment_score":0.23062785466512045},{"text":"The biggest thing I tend to find, though, is you make more when you've gone through the process of building something.","start":1571.0449,"end":1576.165,"sentiment":"neutral","sentiment_score":0.010944747676452002},{"text":"So selling vacant land tends to be a little bit harder because then people have to go through the zoning and the planning process to build a property.","start":1576.165,"end":1584.5599,"sentiment":"neutral","sentiment_score":-0.2774773852101394},{"text":"So if you were to, you know, subdivide, build two properties, and sell one off, you're probably gonna make a little bit more money in your area doing it that way.","start":1584.7,"end":1593.1,"sentiment":"neutral","sentiment_score":0.13807930989611533}],"sentiment":"neutral","sentiment_score":-0.028914400731169042,"num_words":84,"start":1569.765,"end":1593.1},{"sentences":[{"text":"People tend to like to be able to move into a house pre done than starting from scratch, especially, you know, in built up areas like the Gold Coast and Brisbane.","start":1593.1,"end":1601.6749,"sentiment":"positive","sentiment_score":0.39854256376143427},{"text":"It just seems to be a lot easier, and building can take a bit of time.","start":1601.6749,"end":1605.595,"sentiment":"neutral","sentiment_score":0.21909720869734883},{"text":"I know there was a couple of years ago quite a backlog in building, so I'm not sure what the construction industry looks like in your area at the moment, but so long as they don't have a huge backlog, it could definitely make things a little bit easier.","start":1605.595,"end":1617.5499,"sentiment":"neutral","sentiment_score":-0.0401529889477759},{"text":"The other side of it is if you're not too worried about the negative gearing side of things, you could always just buy this investment property to start with, look at building that up.","start":1618.33,"end":1627.615,"sentiment":"neutral","sentiment_score":0.11721335548688383},{"text":"With the changes that are proposed, you won't be able to use the negative gearing.","start":1628.395,"end":1633.115,"sentiment":"neutral","sentiment_score":0.1939453328649203}],"sentiment":"neutral","sentiment_score":0.143360775426544,"num_words":145,"start":1593.1,"end":1633.115},{"sentences":[{"text":"So you won't be able to claim the tax deduction for the difference between your rental income and the cost you outlay for that, but that difference will be continuous.","start":1633.115,"end":1643.54,"sentiment":"neutral","sentiment_score":0.10449934353431066},{"text":"It's essentially looking at, like, being a loss, and they will essentially keep that loss carry forward until you sell the property.","start":1643.54,"end":1650.36,"sentiment":"neutral","sentiment_score":0.06268840012225238},{"text":"And even when you sell the property, whilst they will have it, if this goes through, that it will have to use the indexation method, that loss will be carried forward continuously.","start":1651.06,"end":1660.625,"sentiment":"neutral","sentiment_score":0.07845371647272259},{"text":"So you can offset that against the gain that is made when you sell the property.","start":1660.9249,"end":1664.445,"sentiment":"positive","sentiment_score":0.3786363285034895},{"text":"So that could provide a bit of a, yeah, a little bit less of a capital gain down the track.","start":1664.445,"end":1670.2999,"sentiment":"positive","sentiment_score":0.5092662185430527}],"sentiment":"neutral","sentiment_score":0.19390124718969068,"num_words":120,"start":1633.115,"end":1670.2999},{"sentences":[{"text":"It just kinda comes down to is if this is implemented with no changes, what changes come into play.","start":1670.2999,"end":1676.08,"sentiment":"neutral","sentiment_score":0.09390375253401305},{"text":"The other side of this is they may go through this because it's a bill at the moment.","start":1676.7,"end":1681.375,"sentiment":"neutral","sentiment_score":-0.19863248699241215},{"text":"It's then gonna go to the lower and the upper house.","start":1681.375,"end":1683.715,"sentiment":"neutral","sentiment_score":-0.12909875945611435},{"text":"It may get to these houses, and it doesn't go through as it is.","start":1683.855,"end":1687.135,"sentiment":"neutral","sentiment_score":-0.2362256082040923},{"text":"They may have to make changes to this.","start":1687.135,"end":1689.295,"sentiment":"neutral","sentiment_score":-0.2871474716812372}],"sentiment":"neutral","sentiment_score":-0.12593768728630883,"num_words":70,"start":1670.2999,"end":1689.295},{"sentences":[{"text":"So it could even be worthwhile if you guys just hold off.","start":1689.295,"end":1692.975,"sentiment":"neutral","sentiment_score":-0.1913658765455087},{"text":"I know it's, you know, a little bit down the track, but if we just hold off for a few months and see what what's going through with the legislation, what it looks like it's gonna turn into, that way we're not sort of jumping into something and going, hey.","start":1692.975,"end":1706.15,"sentiment":"neutral","sentiment_score":-0.22248304940760136},{"text":"Let's start this now.","start":1706.15,"end":1707.1901,"sentiment":"neutral","sentiment_score":0.020242172293365},{"text":"Then changes come to the bill, and it does and it affects you a little bit too much.","start":1707.1901,"end":1710.825,"sentiment":"neutral","sentiment_score":-0.28995631717973286},{"text":"So there's also that risk that there are changes that could happen to this bill as it goes to the lower and the upper house in order for it to go through as well.","start":1711.705,"end":1719.965,"sentiment":"negative","sentiment_score":-0.3642143942415714}],"sentiment":"neutral","sentiment_score":-0.2622209950271299,"num_words":118,"start":1689.295,"end":1719.965},{"sentences":[{"text":"Yeah.","start":1738.045,"end":1738.545,"sentiment":"neutral","sentiment_score":0.28401416540145874},{"text":"Yeah.","start":1742.445,"end":1742.945,"sentiment":"neutral","sentiment_score":0.07095953077077866},{"text":"Yeah.","start":1759.435,"end":1759.935,"sentiment":"neutral","sentiment_score":0.30298495292663574},{"text":"Yeah.","start":1780.66,"end":1781.16,"sentiment":"neutral","sentiment_score":-0.02212056703865528},{"text":"Yeah.","start":1781.62,"end":1782.12,"sentiment":"neutral","sentiment_score":-0.0567689910531044}],"sentiment":"neutral","sentiment_score":0.1158138182014227,"num_words":5,"start":1738.045,"end":1782.12},{"sentences":[{"text":"Yeah.","start":1782.82,"end":1783.22,"sentiment":"neutral","sentiment_score":0.03135552257299423},{"text":"Absolutely.","start":1783.22,"end":1783.72,"sentiment":"neutral","sentiment_score":0.12079516053199768},{"text":"It's a lot of money to sorta have start off with.","start":1784.26,"end":1786.4249,"sentiment":"neutral","sentiment_score":-0.08914074818180366},{"text":"I mean, you could borrow for that, but it would then sort of lock you into doing something and following through.","start":1786.4249,"end":1792.2849,"sentiment":"neutral","sentiment_score":-0.09692558114017759},{"text":"The bill biggest risk we have at the moment is with this legislation just coming out last week with the budget.","start":1792.345,"end":1798.365,"sentiment":"negative","sentiment_score":-0.49246915749141146}],"sentiment":"neutral","sentiment_score":-0.24010340105742217,"num_words":55,"start":1782.82,"end":1798.365},{"sentences":[{"text":"It's just that it's just the bill at the moment, so we have to wait for it to start going through to sort of see what's gonna happen, whether changes are gonna be made, whether it's even gonna go through.","start":1798.58,"end":1807.54,"sentiment":"negative","sentiment_score":-0.3510046202689409},{"text":"Because the other side is if this doesn't go through and there's no changes to the negative gearing, then you could essentially keep the property you have, buy yourselves a new property, rent that out, and still take advantage of that negative gearing side of things and just buy something for yourself, which could be a much more cost effective way for yourself.","start":1807.54,"end":1825.8151,"sentiment":"neutral","sentiment_score":0.04403648135207948},{"text":"Essentially, with the property you're in at the moment, if you were to buy something else as your main primary residence, you start renting that one out.","start":1826.99,"end":1834.83,"sentiment":"neutral","sentiment_score":0.10323069686139072},{"text":"The loan you have on that property immediately starts to become a an investment loan for yourself.","start":1834.83,"end":1840.755,"sentiment":"neutral","sentiment_score":0.2034380775602425},{"text":"You don't have to restructure the loan if you don't want to.","start":1840.755,"end":1843.475,"sentiment":"neutral","sentiment_score":0.01475963539754351}],"sentiment":"neutral","sentiment_score":-0.03045971526430463,"num_words":159,"start":1798.58,"end":1843.475},{"sentences":[{"text":"So there is that advantage, and it might be more cost effective as well.","start":1843.475,"end":1847.975,"sentiment":"positive","sentiment_score":0.38557268998452593},{"text":"But, yeah, the biggest risk we have at the moment is that there's just too many unknowns with this bill with what's gonna happen, and jumping into things now could mean that we, you know, have a bill that goes through with changes, which meant that, you know, depending on what you go with, it might not qualify.","start":1848.4349,"end":1867.325,"sentiment":"negative","sentiment_score":-0.5513141514926121},{"text":"We might have to make changes to it.","start":1867.325,"end":1869.4249,"sentiment":"negative","sentiment_score":-0.4418093115091324},{"text":"You know, this could maybe not even go through.","start":1869.645,"end":1872.385,"sentiment":"negative","sentiment_score":-0.44726111160384285},{"text":"It really just depends.","start":1872.6849,"end":1873.645,"sentiment":"neutral","sentiment_score":-0.28924496471881866}],"sentiment":"negative","sentiment_score":-0.3795162094857103,"num_words":93,"start":1843.475,"end":1873.645},{"sentences":[{"text":"It looks like at the moment they could have enough it looks at the moment the lower house has enough support for it, but there's it could go either way when it gets to the upper house.","start":1873.645,"end":1882.61,"sentiment":"neutral","sentiment_score":-0.2224388730687064},{"text":"So we just do not know what's gonna happen with this at the moment, and this is probably the biggest thing that sort of affects what you can and can't do.","start":1882.61,"end":1891.11,"sentiment":"negative","sentiment_score":-0.5145710740358599},{"text":"The other option is if you do decide, you can just look at, you know, keeping the house you're in now, making it into a rental or an investment property, and positively gearing it.","start":1891.65,"end":1900.475,"sentiment":"neutral","sentiment_score":0.20813060332747066},{"text":"The only then risk factor is you are increasing your income tax because you're increasing the the income that's coming in, and that could mean you pay more income tax, which is probably not preferable for you guys.","start":1900.475,"end":1913.01,"sentiment":"negative","sentiment_score":-0.3621587055294137},{"text":"Mhmm.","start":1922.045,"end":1922.545,"sentiment":"neutral","sentiment_score":-0.13882294297218323}],"sentiment":"neutral","sentiment_score":-0.2199032258057425,"num_words":141,"start":1873.645,"end":1922.545},{"sentences":[{"text":"Correct.","start":1925.0851,"end":1925.5851,"sentiment":"neutral","sentiment_score":-0.05046139657497406},{"text":"Yeah.","start":1926.685,"end":1927.185,"sentiment":"neutral","sentiment_score":-0.08515426516532898},{"text":"Yes.","start":1930.6051,"end":1931.1051,"sentiment":"neutral","sentiment_score":-0.05497664958238602},{"text":"Mhmm.","start":1940.38,"end":1940.88,"sentiment":"neutral","sentiment_score":-0.09642938524484634},{"text":"It would yeah.","start":1941.4199,"end":1943.0199,"sentiment":"neutral","sentiment_score":0.015608859558900198}],"sentiment":"neutral","sentiment_score":-0.03431358827011926,"num_words":7,"start":1925.0851,"end":1943.0199},{"sentences":[{"text":"Because in order for it to be exempt from the new changes, if they go through, you need to have owned the investment property prior to the 05/12/2026 at 7PM when the budget was released.","start":1943.0199,"end":1954.475,"sentiment":"neutral","sentiment_score":0.0350706014250006},{"text":"So anyone who currently owns the property is absolutely fine.","start":1954.775,"end":1957.655,"sentiment":"neutral","sentiment_score":0.21343886181712152},{"text":"They'll be able to grandfather their negative gearing, and it doesn't have an end date at this point in time.","start":1957.655,"end":1963.47,"sentiment":"negative","sentiment_score":-0.34923797398805617},{"text":"There could be changes.","start":1963.47,"end":1964.45,"sentiment":"neutral","sentiment_score":-0.1710885502398014},{"text":"They could have an end date.","start":1964.51,"end":1965.89,"sentiment":"neutral","sentiment_score":-0.1026388481259346}],"sentiment":"neutral","sentiment_score":-0.065641161352396,"num_words":75,"start":1943.0199,"end":1965.89},{"sentences":[{"text":"But anyone who buys a property now, between now and, say, the July 1, whilst right now with this bill not being through, not being legislated, you can make it here in the in this financial year and next financial year up until the 07/01/2027 depending on whether the bill goes through.","start":1967.5499,"end":1986.4349,"sentiment":"neutral","sentiment_score":-0.12707114964723587},{"text":"But then it means if this bill goes through as of the 07/01/2027, that will stop, which means that people will either need to increase rent to cover it or they'll be essentially negatively gearing a property and carrying forward losses until they sell that property.","start":1986.4349,"end":2002.41,"sentiment":"negative","sentiment_score":-0.4190663423227227},{"text":"And then they'll have to, you know, hopefully, not pay as much tax.","start":2003.51,"end":2008.205,"sentiment":"negative","sentiment_score":-0.47595218282479507},{"text":"But it just it it's such an unknown.","start":2008.205,"end":2010.465,"sentiment":"negative","sentiment_score":-0.44819075614213943},{"text":"And with the yeah.","start":2010.6849,"end":2015.025,"sentiment":"neutral","sentiment_score":-0.04798633232712746}],"sentiment":"neutral","sentiment_score":-0.2914601730379632,"num_words":123,"start":1967.5499,"end":2015.025},{"sentences":[{"text":"Yeah.","start":2015.085,"end":2015.585,"sentiment":"neutral","sentiment_score":0.023439917713403705},{"text":"And with with well, the ATO will track it.","start":2015.645,"end":2018.205,"sentiment":"neutral","sentiment_score":0.04661636220084296},{"text":"Like, well, you sort of still have to put everything into your tax return to show how much you're spending, how much you're making, what's happening.","start":2018.205,"end":2024.4299,"sentiment":"neutral","sentiment_score":0.023103338308059253},{"text":"It just means that the gains will be carried forward, and there'll be a record of that.","start":2024.4299,"end":2028.6699,"sentiment":"neutral","sentiment_score":0.10468310205375447},{"text":"Because whenever we sell a property, you still have to declare that to the ACO.","start":2028.6699,"end":2032.37,"sentiment":"neutral","sentiment_score":-0.0027849883617212376}],"sentiment":"neutral","sentiment_score":0.040904586514978504,"num_words":68,"start":2015.085,"end":2032.37},{"sentences":[{"text":"It just depends on when we declare that, we either either stated the main residence for an exemption or it was, you know, purchased at a certain point in time or we add in a few additional optional extras to kind of show how much we have to pay.","start":2032.75,"end":2045.055,"sentiment":"neutral","sentiment_score":-0.01742380066793792},{"text":"And the ATO kinda work it out, but there's a few things that we do when we do sell properties.","start":2045.275,"end":2049.695,"sentiment":"neutral","sentiment_score":-0.08563188295811415},{"text":"But, yeah, it all comes down to is this legislation going to go through, and how does it go through?","start":2051.47,"end":2056.99,"sentiment":"neutral","sentiment_score":-0.19711027704179288},{"text":"Are there any changes?","start":2056.99,"end":2058.11,"sentiment":"neutral","sentiment_score":-0.2121945470571518},{"text":"And that is the biggest risk at the moment is what happens with this legislation and how is it going to affect people.","start":2058.11,"end":2065.4849,"sentiment":"negative","sentiment_score":-0.6883776161981665}],"sentiment":"neutral","sentiment_score":-0.19991442063373738,"num_words":116,"start":2032.75,"end":2065.4849},{"sentences":[{"text":"So I'd be more inclined to suggest maybe just to hold off for the time being, keep saving money for the moment, and let's just see how the next sort of six to twelve months go with this legislation.","start":2065.4849,"end":2077.46,"sentiment":"neutral","sentiment_score":-0.3062979888457518},{"text":"What does it look like?","start":2077.68,"end":2078.6401,"sentiment":"neutral","sentiment_score":-0.048554128408432005},{"text":"And when you get close to understanding what the legislation's gonna look like as it goes through if it goes through, then it'll give you more certainty around what you can and can't do with investments and how to make that work for you.","start":2078.6401,"end":2090.72,"sentiment":"neutral","sentiment_score":0.10977902940728447},{"text":"Does that make sense?","start":2090.72,"end":2093.9949,"sentiment":"neutral","sentiment_score":0.01909543201327324},{"text":"Yeah.","start":2094.1348,"end":2094.6348,"sentiment":"neutral","sentiment_score":-0.02551441080868244}],"sentiment":"neutral","sentiment_score":-0.07857255479421026,"num_words":93,"start":2065.4849,"end":2094.6348},{"sentences":[{"text":"Yeah.","start":2095.335,"end":2095.835,"sentiment":"neutral","sentiment_score":0.04321269690990448},{"text":"Yep.","start":2099.4949,"end":2099.9949,"sentiment":"neutral","sentiment_score":0.08495043218135834},{"text":"Mhmm.","start":2109.43,"end":2109.93,"sentiment":"neutral","sentiment_score":-0.1424524188041687},{"text":"Yep.","start":2119.125,"end":2119.625,"sentiment":"negative","sentiment_score":-0.40743541717529297},{"text":"It has been.","start":2120.9648,"end":2122.025,"sentiment":"neutral","sentiment_score":-0.07944062848885854}],"sentiment":"neutral","sentiment_score":-0.09429237033639636,"num_words":7,"start":2095.335,"end":2122.025},{"sentences":[{"text":"Yeah.","start":2126.805,"end":2127.305,"sentiment":"neutral","sentiment_score":-0.06605473160743713},{"text":"Yeah.","start":2128.95,"end":2129.35,"sentiment":"neutral","sentiment_score":-0.059118591248989105},{"text":"It is really tough because normally, it sort of go towards trust, family trust, and things like that.","start":2129.35,"end":2134.95,"sentiment":"neutral","sentiment_score":-0.2315359798570474},{"text":"However, the the family trust is also supposed to get hit.","start":2134.95,"end":2138.71,"sentiment":"neutral","sentiment_score":-0.2635436464439739},{"text":"So at the moment, family trust, when you have one, in income goes or the whatever's owned by the family trust makes the income, and then the income just gets distributed to the beneficiaries.","start":2138.71,"end":2151.7249,"sentiment":"neutral","sentiment_score":-0.03343934434301713}],"sentiment":"neutral","sentiment_score":-0.12813444275122424,"num_words":65,"start":2126.805,"end":2151.7249},{"sentences":[{"text":"And you can work the trust so you distribute income to lower, you know, to lower like, if you between yourself and Camille, if Camille's on less money than you, you could put more income to her at a lower tax rate than yourself, and you can distribute that those funds to income in a much more conservative way.","start":2151.9448,"end":2168.53,"sentiment":"neutral","sentiment_score":0.1061694851239859},{"text":"However, with the new changes, trust are gonna have to pay income income tax at about 30%, and then it gets distributed out.","start":2168.53,"end":2177.865,"sentiment":"neutral","sentiment_score":-0.09378615329447},{"text":"If it gets distributed to an individual, then the income distributed to the individual gets added to their taxable income.","start":2178.565,"end":2185.145,"sentiment":"neutral","sentiment_score":0.03511466085910797},{"text":"They do get a bit of an offset.","start":2185.31,"end":2186.91,"sentiment":"neutral","sentiment_score":0.11318693961948156},{"text":"Or if they're on a higher tax rate, they might have to pay the difference between the 30% and their marginal tax rate.","start":2186.91,"end":2192.99,"sentiment":"neutral","sentiment_score":-0.04098697314443796}],"sentiment":"neutral","sentiment_score":0.03587974773201728,"num_words":133,"start":2151.9448,"end":2192.99},{"sentences":[{"text":"But if they're under that if they're under that sort of 30% tax rate, then they should be able to get a bit of a break or a bit of an offset for it.","start":2192.99,"end":2200.365,"sentiment":"neutral","sentiment_score":0.11615224686615608},{"text":"But if it's a company, then the inside the trust, they pay that 30%, and then the income is distributed to the company, and the company still has to pay their tax rate at 30% as well.","start":2200.605,"end":2210.365,"sentiment":"neutral","sentiment_score":-0.08710256581370895},{"text":"So it does work out a lot harder.","start":2210.365,"end":2213.505,"sentiment":"neutral","sentiment_score":-0.13320819847285748},{"text":"The other side of opening up a trust is that you don't wanna buy a property and then open a trust.","start":2214.35,"end":2219.79,"sentiment":"neutral","sentiment_score":-0.08721716719723883},{"text":"Realistically, it's best to open a trust and then buy property because if you buy property in your own name, then open a trust, you're changing the ownership structure, which means you've gotta look at capital gains for yourself for transferring the property in.","start":2219.79,"end":2233.645,"sentiment":"neutral","sentiment_score":-0.01615904580632394}],"sentiment":"neutral","sentiment_score":-0.020012796222646203,"num_words":144,"start":2192.99,"end":2233.645},{"sentences":[{"text":"You've also gotta consider stamp duty and things like that.","start":2233.645,"end":2236.205,"sentiment":"neutral","sentiment_score":-0.009692924469709397},{"text":"It's basically the trust ends up buying the property from you, and it can have tax consequence effects there as well.","start":2236.205,"end":2242.8901,"sentiment":"neutral","sentiment_score":-0.014470623717421577},{"text":"So there are definitely structures that we can use, the structures we like using as advisers, but right now, unfortunately, the the the new bills are kind of hitting the tax side for all of those structures except the company at the moment.","start":2242.8901,"end":2257.345,"sentiment":"neutral","sentiment_score":-0.25670660876257473},{"text":"So the other thing is a lot of property investors I've met in the past have set up companies, and they've bought properties under a company, but then you've also got a note that's another income stream, another business that you're an employee of.","start":2257.345,"end":2270.2249,"sentiment":"neutral","sentiment_score":-0.0657720078968189},{"text":"So there are tax consequences around that side of things.","start":2270.2249,"end":2273.72,"sentiment":"neutral","sentiment_score":-0.16907024532556533}],"sentiment":"neutral","sentiment_score":-0.12518646343960427,"num_words":128,"start":2233.645,"end":2273.72},{"sentences":[{"text":"So we just have to at the moment, as an adviser, we're just watching this very closely to see what it might look like and how it's gonna affect, to see where which way we go for different clients depending on their goals.","start":2273.72,"end":2287.355,"sentiment":"neutral","sentiment_score":0.021068721576485525},{"text":"It's a very fun time.","start":2287.6548,"end":2288.855,"sentiment":"positive","sentiment_score":0.7156397938728333},{"text":"I tell you what.","start":2288.855,"end":2289.755,"sentiment":"neutral","sentiment_score":0.33251985162496567},{"text":"Absolutely.","start":2293.335,"end":2293.835,"sentiment":"positive","sentiment_score":0.4979288578033447},{"text":"Absolutely.","start":2300.22,"end":2300.72,"sentiment":"positive","sentiment_score":0.4869670867919922}],"sentiment":"neutral","sentiment_score":0.12590980274533783,"num_words":54,"start":2273.72,"end":2300.72},{"sentences":[{"text":"Absolutely.","start":2301.3398,"end":2301.8398,"sentiment":"neutral","sentiment_score":0.04410776495933533},{"text":"And, I mean, look at they could there's a chance that none of this may go through.","start":2302.0598,"end":2306.0,"sentiment":"negative","sentiment_score":-0.3521877167855992},{"text":"There's a chance that it might not go through at all, but there's also the risk that it will go through exactly as it is.","start":2306.8599,"end":2312.9048,"sentiment":"negative","sentiment_score":-0.5209506118297577},{"text":"And anyone who's jumping on board or hasn't already got an an investment property won't be able to negatively gear once we kinda get to that point if this all goes through.","start":2313.605,"end":2321.9248,"sentiment":"neutral","sentiment_score":-0.2733447253704071},{"text":"So there's just a lot of uncertainty in the air, which has all been created in the last couple of days, and it's all just about watching and waiting to see what happens.","start":2321.9248,"end":2332.03,"sentiment":"negative","sentiment_score":-0.5051268230785023}],"sentiment":"negative","sentiment_score":-0.41095430638503144,"num_words":108,"start":2301.3398,"end":2332.03},{"sentences":[{"text":"I've got another client who I suggested just hold off.","start":2332.33,"end":2335.095,"sentiment":"neutral","sentiment_score":-0.22740531489253044},{"text":"Just wait.","start":2335.095,"end":2335.575,"sentiment":"neutral","sentiment_score":-0.22517774999141693},{"text":"Let's just save your pennies, put some more money into your offset account.","start":2335.575,"end":2338.295,"sentiment":"neutral","sentiment_score":0.03312654907886799},{"text":"Let's just sit there for the moment because if we make a move now, it could be the wrong move, and we don't wanna do anything rash just because of the legislation that could go through.","start":2338.295,"end":2348.075,"sentiment":"negative","sentiment_score":-0.4306462448504236},{"text":"Sometimes it's best to just to hold off and wait.","start":2348.5298,"end":2351.1099,"sentiment":"neutral","sentiment_score":-0.2944127023220062}],"sentiment":"neutral","sentiment_score":-0.2921289485734953,"num_words":71,"start":2332.33,"end":2351.1099},{"sentences":[{"text":"We could be lucky.","start":2351.5698,"end":2352.71,"sentiment":"neutral","sentiment_score":-0.2295266706496477},{"text":"We could find out if this goes through.","start":2353.17,"end":2355.0098,"sentiment":"neutral","sentiment_score":-0.059175219386816025},{"text":"It could entice property prices to to drop a little bit.","start":2355.0098,"end":2358.21,"sentiment":"negative","sentiment_score":-0.4328862130641937},{"text":"There could be a mass sell off, which could, you know, increase the amount of property in the market, and we could see property prices decrease a little bit as well.","start":2358.21,"end":2365.985,"sentiment":"negative","sentiment_score":-0.42905103583489695},{"text":"So there's a few different things that could come from this depending on how it goes, but I'm just sort of glued to watching every move they make with all these to see what what is possibly gonna come out of it because there's just so much uncertainty currently.","start":2365.985,"end":2382.45,"sentiment":"neutral","sentiment_score":-0.2879627537058324}],"sentiment":"neutral","sentiment_score":-0.3258642118822024,"num_words":103,"start":2351.5698,"end":2382.45},{"sentences":[{"text":"Yeah.","start":2385.6301,"end":2386.1301,"sentiment":"neutral","sentiment_score":-0.010591313242912292},{"text":"Yeah.","start":2399.6948,"end":2400.1948,"sentiment":"neutral","sentiment_score":-0.02953466773033142},{"text":"Yep.","start":2429.6602,"end":2430.1602,"sentiment":"neutral","sentiment_score":-0.0040039559826254845},{"text":"If the bill doesn't you're right.","start":2431.18,"end":2433.1,"sentiment":"neutral","sentiment_score":-0.12285636054972808},{"text":"If the bill doesn't go through, your goal essentially is looking at getting a bigger family home for yourself.","start":2433.1,"end":2437.9001,"sentiment":"neutral","sentiment_score":-0.03636574078547327}],"sentiment":"neutral","sentiment_score":-0.052579184827793925,"num_words":28,"start":2385.6301,"end":2437.9001},{"sentences":[{"text":"So if the bill doesn't go through and, realistically, what you could do, the easiest and cheapest option would be to buy a property, your next family home, keep as your main residence because you're likely gonna have a higher loan on that property, and the loan on your main primary residence is nontax deductible.","start":2437.9001,"end":2455.525,"sentiment":"neutral","sentiment_score":0.04395998323505575},{"text":"And then the loan you have on the property you currently have becomes tax deductible, keep that property, and rent it out, and hopefully try to negatively give that a little bit so that, you know, you get those tax breaks there.","start":2456.28,"end":2467.98,"sentiment":"neutral","sentiment_score":-0.052938989895795076},{"text":"That would be the most cost effective way to meet that goal.","start":2468.04,"end":2470.965,"sentiment":"positive","sentiment_score":0.45362495134274167},{"text":"It gives you a new family home, hopefully, something that's bigger that suits you guys a bit more closer to the area that you wanna be in, and then you can still keep that property you have at the moment that that you really enjoy and just, you know, know, rent it out for a bit of time until you know?","start":2470.965,"end":2486.39,"sentiment":"positive","sentiment_score":0.4931201846873174},{"text":"So so much time you decide you don't wanna subdivide or you wanna sell it off or depending on what your goals are down the track.","start":2486.39,"end":2493.3499,"sentiment":"neutral","sentiment_score":0.08311241062787864}],"sentiment":"neutral","sentiment_score":0.19326079010545294,"num_words":196,"start":2437.9001,"end":2493.3499},{"sentences":[{"text":"But if this bill doesn't go through, that's generally the easiest option and the cheapest option and the fastest option to go through.","start":2493.3499,"end":2501.3452,"sentiment":"neutral","sentiment_score":0.13369515149489694},{"text":"Yeah.","start":2508.445,"end":2508.8452,"sentiment":"neutral","sentiment_score":0.0639570951461792},{"text":"That that one would be.","start":2508.8452,"end":2511.23,"sentiment":"neutral","sentiment_score":0.07246867567300797},{"text":"Subdividing in the future would be fine.","start":2512.41,"end":2514.57,"sentiment":"neutral","sentiment_score":0.20014349264757975},{"text":"It's just the the long term cost of it.","start":2514.57,"end":2516.57,"sentiment":"neutral","sentiment_score":0.2471829785241021}],"sentiment":"neutral","sentiment_score":0.1583764491809739,"num_words":45,"start":2493.3499,"end":2516.57},{"sentences":[{"text":"You just gotta make sure that the cost is going to work to work for you.","start":2516.57,"end":2520.99,"sentiment":"neutral","sentiment_score":0.20889437897130847},{"text":"I could, down the track, if you like, provide a bit more advice around whether it's viable, but we'd need to understand a bit more around the cost of the conveyances, how much it's gonna cost to have all the conveyances and the mortgage brokers and the the cost of building and things like that.","start":2521.29,"end":2535.3801,"sentiment":"neutral","sentiment_score":0.032313517955216496},{"text":"If I can get a breakdown of all those costs individually, we can have a look at that as opposed to what you current yeah.","start":2535.3801,"end":2541.38,"sentiment":"neutral","sentiment_score":0.019140279591083526},{"text":"You currently have with the house and maybe renting that out and see which option's viable.","start":2541.38,"end":2546.36,"sentiment":"neutral","sentiment_score":0.04603617312386632},{"text":"But, realistically, just look at your goal at the moment.","start":2547.06,"end":2549.8801,"sentiment":"neutral","sentiment_score":0.13325546458363532}],"sentiment":"neutral","sentiment_score":0.06284585210387825,"num_words":122,"start":2516.57,"end":2549.8801},{"sentences":[{"text":"It's keeping the property, renting it out.","start":2550.325,"end":2552.645,"sentiment":"positive","sentiment_score":0.33806853209223064},{"text":"That gives you income faster.","start":2552.645,"end":2555.145,"sentiment":"positive","sentiment_score":0.4103753924369812},{"text":"It's less likely to be, you know, empty for a certain period of time by your other property.","start":2555.5251,"end":2561.385,"sentiment":"neutral","sentiment_score":0.07714723588691817},{"text":"The loan you currently have, you can take some equity, sorry, out of your current property to help you buy another property so you can have, you know, your forever home or the next time that you guys are after in a better location, a bit bigger, in more in a more of a place that you're comfortable being.","start":2561.445,"end":2577.73,"sentiment":"neutral","sentiment_score":0.323147938160573},{"text":"You can keep the the property you do have here that you do like as well.","start":2578.545,"end":2582.645,"sentiment":"positive","sentiment_score":0.5618763659149408}],"sentiment":"neutral","sentiment_score":0.3225024489419801,"num_words":105,"start":2550.325,"end":2582.645},{"sentences":[{"text":"Rent that out.","start":2582.9448,"end":2583.905,"sentiment":"neutral","sentiment_score":0.32199318210283917},{"text":"You get them to then negatively gear that property as well as have your sort of forever home over there, and it tends to be a lot more cost effective to do that.","start":2583.905,"end":2592.805,"sentiment":"neutral","sentiment_score":0.19376211545684122},{"text":"It's also a lot quicker our process can be done in only, you know, one to two to three months as opposed to, you know, twelve to two years depending on how long it takes to go through the whole subdivision side of things, if that makes sense.","start":2593.15,"end":2607.25,"sentiment":"neutral","sentiment_score":0.28457610464344424},{"text":"Yeah.","start":2611.195,"end":2611.695,"sentiment":"neutral","sentiment_score":0.009787512943148611},{"text":"Yeah.","start":2615.435,"end":2615.935,"sentiment":"neutral","sentiment_score":0.022104118019342422}],"sentiment":"neutral","sentiment_score":0.24478690709572198,"num_words":86,"start":2582.9448,"end":2615.935},{"sentences":[{"text":"Absolutely.","start":2619.69,"end":2620.19,"sentiment":"positive","sentiment_score":0.3998485207557678},{"text":"Yeah.","start":2620.49,"end":2620.89,"sentiment":"positive","sentiment_score":0.3676764667034149},{"text":"Definitely.","start":2620.89,"end":2621.39,"sentiment":"positive","sentiment_score":0.43260884284973145},{"text":"So with serviceability wise, with the income, I would just sort of, you know, have a chat to a mortgage broker to find out what, you know, what they're sort of after.","start":2622.3298,"end":2630.17,"sentiment":"neutral","sentiment_score":0.21984799252822995},{"text":"You can even have a chat to a mortgage broker now just in, you know, running up to it.","start":2630.17,"end":2634.235,"sentiment":"neutral","sentiment_score":0.20100636074417516}],"sentiment":"neutral","sentiment_score":0.2232294526916963,"num_words":54,"start":2619.69,"end":2634.235},{"sentences":[{"text":"We can refer you to one if you like just to sort of have a look at what your current serviceability would look like at the moment.","start":2634.235,"end":2641.535,"sentiment":"neutral","sentiment_score":0.20242880202001995},{"text":"And then sort of down the track, depending on what happens with this bill, you can kinda get a bit more of an idea of which way you're probably gonna need to go to make it work for you guys in the best possible way.","start":2642.315,"end":2653.96,"sentiment":"neutral","sentiment_score":0.3207934483885765},{"text":"Yeah.","start":2660.7551,"end":2661.2551,"sentiment":"neutral","sentiment_score":0.08749248087406158},{"text":"Mhmm.","start":2666.995,"end":2667.495,"sentiment":"neutral","sentiment_score":0.05409309267997742},{"text":"Yeah.","start":2668.195,"end":2668.695,"sentiment":"neutral","sentiment_score":0.03085312247276306}],"sentiment":"neutral","sentiment_score":0.2676496203740438,"num_words":75,"start":2634.235,"end":2668.695},{"sentences":[{"text":"Yeah.","start":2670.05,"end":2670.3699,"sentiment":"neutral","sentiment_score":0.13428781926631927},{"text":"Correct.","start":2670.3699,"end":2670.8699,"sentiment":"neutral","sentiment_score":0.21935057640075684},{"text":"So, normally, depending on how you they structure the loan for you, you can have it structured three ways.","start":2670.93,"end":2675.41,"sentiment":"neutral","sentiment_score":0.2059289773828105},{"text":"So to give you an example, my property loan is structured to three things.","start":2675.41,"end":2678.8499,"sentiment":"neutral","sentiment_score":0.13490530848503113},{"text":"I've got my main primary resident loan.","start":2678.8499,"end":2681.03,"sentiment":"neutral","sentiment_score":0.11131571978330612}],"sentiment":"neutral","sentiment_score":0.16509936483842985,"num_words":42,"start":2670.05,"end":2681.03},{"sentences":[{"text":"I then got an equity loan, and then I've got my investment loan.","start":2681.09,"end":2684.295,"sentiment":"neutral","sentiment_score":0.07853756128595425},{"text":"Because my equity loan was my property, it was the deposit for my investment property.","start":2684.4548,"end":2689.1948,"sentiment":"neutral","sentiment_score":0.08225102648139},{"text":"Those two are considered I I've got those loans solely for the purpose of income producing.","start":2689.655,"end":2694.6948,"sentiment":"neutral","sentiment_score":0.19169700192287564},{"text":"So they are the sorry.","start":2694.6948,"end":2696.295,"sentiment":"neutral","sentiment_score":0.11619251817464829},{"text":"Not the principal, but the amount I pay interest on the loan is tax deductible.","start":2696.295,"end":2700.8,"sentiment":"neutral","sentiment_score":-0.000049736102422077526}],"sentiment":"neutral","sentiment_score":0.09222066053189337,"num_words":64,"start":2681.09,"end":2700.8},{"sentences":[{"text":"So you can have a structured two separate ways so you separate the loans.","start":2701.02,"end":2704.4001,"sentiment":"neutral","sentiment_score":0.21408805783305848},{"text":"They can also look to either cross securitize the properties so the property secure all the loans, or you can have you know, depending on how the the land to value ratio works, you can also have it set so it doesn't cross securitize.","start":2704.7002,"end":2721.0452,"sentiment":"neutral","sentiment_score":0.15772444712506098},{"text":"So your main primary residence is only security for that main primary loan, and then your investment property can be security for the other one.","start":2721.185,"end":2729.1099,"sentiment":"neutral","sentiment_score":0.11672985434532165},{"text":"They normally have to cross securitize the equity because the equity comes out of the current property that you have.","start":2729.17,"end":2734.0698,"sentiment":"neutral","sentiment_score":0.06058941334486008},{"text":"But that's often a small loan.","start":2734.8499,"end":2736.7698,"sentiment":"neutral","sentiment_score":0.008220928410689035}],"sentiment":"neutral","sentiment_score":0.12950888696476953,"num_words":109,"start":2701.02,"end":2736.7698},{"sentences":[{"text":"You tend you can't usually use when they look at the equity loan to value ratio.","start":2736.7698,"end":2741.0652,"sentiment":"neutral","sentiment_score":-0.030799405882135034},{"text":"They won't normally let you withdraw more than 80% of the equity to use as a deposit towards a new property.","start":2741.0652,"end":2747.945,"sentiment":"neutral","sentiment_score":-0.03133441357030755},{"text":"So they do tend to tell you how much you can limit on that, and then the rest becomes a loan.","start":2747.945,"end":2753.85,"sentiment":"neutral","sentiment_score":-0.0039336830377578735},{"text":"Yeah.","start":2757.35,"end":2757.85,"sentiment":"neutral","sentiment_score":0.04104979336261749},{"text":"Yep.","start":2762.87,"end":2763.37,"sentiment":"neutral","sentiment_score":0.003683677641674876}],"sentiment":"neutral","sentiment_score":-0.019811450864654034,"num_words":60,"start":2736.7698,"end":2763.37},{"sentences":[{"text":"Yeah.","start":2768.645,"end":2769.145,"sentiment":"neutral","sentiment_score":-0.022270889952778816},{"text":"Yeah.","start":2774.885,"end":2775.385,"sentiment":"neutral","sentiment_score":0.03184149041771889},{"text":"Yeah.","start":2775.4448,"end":2775.9448,"sentiment":"neutral","sentiment_score":0.02837364189326763},{"text":"It's about just under seven hundred.","start":2779.76,"end":2782.1802,"sentiment":"neutral","sentiment_score":0.007541225524619222},{"text":"You're fine.","start":2784.72,"end":2785.44,"sentiment":"neutral","sentiment_score":0.07002430781722069}],"sentiment":"neutral","sentiment_score":0.020294564649124037,"num_words":11,"start":2768.645,"end":2785.44},{"sentences":[{"text":"My computer is a little bit slow.","start":2785.44,"end":2786.6401,"sentiment":"neutral","sentiment_score":-0.20526488551071712},{"text":"It's a bit late in the afternoon.","start":2786.6401,"end":2787.6802,"sentiment":"neutral","sentiment_score":-0.12292935805661338},{"text":"If you're doing math off the top of my head, I'll be honest with you.","start":2787.6802,"end":2790.1,"sentiment":"neutral","sentiment_score":-0.1117284819483757},{"text":"700.","start":2791.005,"end":2791.9048,"sentiment":"neutral","sentiment_score":-0.01990067213773727},{"text":"80% is 500 and 60,000.","start":2795.4048,"end":2797.6648,"sentiment":"neutral","sentiment_score":-0.028860684484243393}],"sentiment":"neutral","sentiment_score":-0.1182140293930258,"num_words":35,"start":2785.44,"end":2797.6648},{"sentences":[{"text":"Yeah.","start":2812.46,"end":2812.78,"sentiment":"neutral","sentiment_score":-0.02374890074133873},{"text":"Absolutely.","start":2812.78,"end":2813.28,"sentiment":"neutral","sentiment_score":0.12047085165977478},{"text":"Absolutely.","start":2813.98,"end":2814.48,"sentiment":"neutral","sentiment_score":0.08666485548019409},{"text":"Yep.","start":2839.515,"end":2840.015,"sentiment":"neutral","sentiment_score":-0.004314522258937359},{"text":"Yeah.","start":2840.9548,"end":2841.4548,"sentiment":"neutral","sentiment_score":0.028106024488806725}],"sentiment":"neutral","sentiment_score":0.0414356617256999,"num_words":5,"start":2812.46,"end":2841.4548},{"sentences":[{"text":"Yeah.","start":2841.9949,"end":2842.4749,"sentiment":"neutral","sentiment_score":0.042449526488780975},{"text":"Yeah.","start":2842.4749,"end":2842.9749,"sentiment":"neutral","sentiment_score":0.06817410886287689},{"text":"Definitely.","start":2843.035,"end":2843.535,"sentiment":"neutral","sentiment_score":0.11359725892543791},{"text":"Unless this all doesn't go through, there could be a whole another scenario as we kinda went through.","start":2843.9148,"end":2848.1548,"sentiment":"neutral","sentiment_score":-0.15557292331424025},{"text":"But right now with with everything that's set up in the air and the uncertainty around what's gonna happen, realistically, yeah, if you look at maybe selling your property, which is a main residence, so there's no CGT consequences to selling your main primary residence, and then buying a new property.","start":2848.1548,"end":2865.6802,"sentiment":"neutral","sentiment_score":0.035037406665437365}],"sentiment":"neutral","sentiment_score":-0.010960888686693378,"num_words":72,"start":2841.9949,"end":2865.6802},{"sentences":[{"text":"And you can even buy a new property prior to selling your main primary residence and having a bridging loan, and there's still no CGT consequences.","start":2866.2202,"end":2873.575,"sentiment":"neutral","sentiment_score":0.2027885876595974},{"text":"So your main primary residence is fully fully exempt for CGT consequences, which is good.","start":2873.715,"end":2880.055,"sentiment":"neutral","sentiment_score":0.32846498787403106},{"text":"And then we maybe look down the track at other investments and see what we can do depending on what the, you know, what your goals are and what the legislation says we can do.","start":2880.435,"end":2889.87,"sentiment":"neutral","sentiment_score":0.14675626967634472},{"text":"Yep.","start":2904.905,"end":2905.145,"sentiment":"neutral","sentiment_score":0.071296826004982},{"text":"Yep.","start":2905.145,"end":2905.645,"sentiment":"neutral","sentiment_score":0.060072898864746094}],"sentiment":"neutral","sentiment_score":0.1982989392410486,"num_words":78,"start":2866.2202,"end":2905.645},{"sentences":[{"text":"Yep.","start":2906.105,"end":2906.605,"sentiment":"neutral","sentiment_score":0.03054478764533997},{"text":"Yeah.","start":2910.3599,"end":2910.8599,"sentiment":"neutral","sentiment_score":-0.0002846401184797287},{"text":"Yeah.","start":2911.48,"end":2911.98,"sentiment":"neutral","sentiment_score":0.04850280284881592},{"text":"No.","start":2912.44,"end":2912.76,"sentiment":"neutral","sentiment_score":0.007643658667802811},{"text":"Perfect.","start":2912.76,"end":2913.26,"sentiment":"neutral","sentiment_score":0.2206307053565979}],"sentiment":"neutral","sentiment_score":0.061407462880015376,"num_words":5,"start":2906.105,"end":2913.26},{"sentences":[{"text":"Mhmm.","start":2916.5999,"end":2917.0999,"sentiment":"neutral","sentiment_score":0.0285385362803936},{"text":"Yeah.","start":2920.8398,"end":2921.24,"sentiment":"neutral","sentiment_score":0.025660842657089233},{"text":"Correct.","start":2921.24,"end":2921.74,"sentiment":"neutral","sentiment_score":0.06352171301841736},{"text":"Yeah.","start":2922.695,"end":2923.095,"sentiment":"neutral","sentiment_score":0.038602352142333984},{"text":"Yeah.","start":2923.095,"end":2923.415,"sentiment":"neutral","sentiment_score":0.014205333776772022}],"sentiment":"neutral","sentiment_score":0.03410575557500124,"num_words":5,"start":2916.5999,"end":2923.415},{"sentences":[{"text":"It's structured as a bit of an investment.","start":2923.415,"end":2925.195,"sentiment":"neutral","sentiment_score":0.002621511579491198},{"text":"Investment loans can be a bit higher than main primary residence mortgages.","start":2925.2551,"end":2930.155,"sentiment":"neutral","sentiment_score":0.004767197649925947},{"text":"But if you're gonna Yeah.","start":2932.215,"end":2953.205,"sentiment":"neutral","sentiment_score":0.008480540849268437},{"text":"The other side of the other side of it is if you look to sell your your main primary residence and buy another property, you don't have to do the equity side of things.","start":2953.205,"end":2963.19,"sentiment":"neutral","sentiment_score":0.08244009655626382},{"text":"You can just get you know, you can look at the equity and structure it with a bridging loan.","start":2963.19,"end":2969.53,"sentiment":"neutral","sentiment_score":0.15420985261076375}],"sentiment":"neutral","sentiment_score":0.07504527757947262,"num_words":78,"start":2923.415,"end":2969.53},{"sentences":[{"text":"And then when you sell your house off, the bridging loan is completely covered.","start":2969.67,"end":2973.59,"sentiment":"neutral","sentiment_score":0.11348009801336698},{"text":"The equity loan, because you're buying a new a new PPR, is just a a PPR rate, which is lower than investment because you have the intention to sell off the main primary residence.","start":2973.59,"end":2985.505,"sentiment":"neutral","sentiment_score":0.05527254446026157},{"text":"Yep.","start":2992.3699,"end":2992.8699,"sentiment":"neutral","sentiment_score":0.03775652125477791},{"text":"Yeah.","start":3011.5852,"end":3011.985,"sentiment":"neutral","sentiment_score":0.013795645907521248},{"text":"Yeah.","start":3011.985,"end":3012.485,"sentiment":"neutral","sentiment_score":0.02327880263328552}],"sentiment":"neutral","sentiment_score":0.06946703634571795,"num_words":51,"start":2969.67,"end":3012.485},{"sentences":[{"text":"Yeah.","start":3014.6501,"end":3015.1501,"sentiment":"neutral","sentiment_score":0.019444089382886887},{"text":"Yeah.","start":3019.45,"end":3019.95,"sentiment":"neutral","sentiment_score":0.01979174092411995},{"text":"Yeah.","start":3020.01,"end":3020.33,"sentiment":"neutral","sentiment_score":0.02465119957923889},{"text":"That sounds about right.","start":3020.33,"end":3021.61,"sentiment":"neutral","sentiment_score":0.025788048282265663},{"text":"Yeah.","start":3021.61,"end":3022.11,"sentiment":"neutral","sentiment_score":-0.029727419838309288}],"sentiment":"neutral","sentiment_score":0.017163975397124887,"num_words":8,"start":3014.6501,"end":3022.11},{"sentences":[{"text":"You are.","start":3023.85,"end":3024.4102,"sentiment":"neutral","sentiment_score":-0.14589975029230118},{"text":"Yeah.","start":3024.4102,"end":3024.9102,"sentiment":"neutral","sentiment_score":-0.2518571615219116},{"text":"You are.","start":3026.335,"end":3027.075,"sentiment":"negative","sentiment_score":-0.34856294095516205},{"text":"Yeah.","start":3027.695,"end":3027.7751,"sentiment":"neutral","sentiment_score":-0.23474380373954773},{"text":"I know.","start":3027.7751,"end":3028.2551,"sentiment":"neutral","sentiment_score":-0.2127257138490677}],"sentiment":"neutral","sentiment_score":-0.23762222193181515,"num_words":8,"start":3023.85,"end":3028.2551},{"sentences":[{"text":"It's a lot, isn't it?","start":3028.2551,"end":3029.635,"sentiment":"neutral","sentiment_score":-0.2277596414089203},{"text":"That's exactly right.","start":3039.47,"end":3040.8298,"sentiment":"positive","sentiment_score":0.35696592926979065},{"text":"Yeah.","start":3040.8298,"end":3041.23,"sentiment":"neutral","sentiment_score":0.16631755232810974},{"text":"Yeah.","start":3041.23,"end":3041.73,"sentiment":"neutral","sentiment_score":0.09040778875350952},{"text":"Because realistically, if you've got an investment property and it's making an income, that income that is your your personal income from your employer, and it increases the amount of tax you've gotta pay.","start":3042.19,"end":3054.3152,"sentiment":"neutral","sentiment_score":-0.06531025460058384}],"sentiment":"neutral","sentiment_score":-0.046175539422124115,"num_words":44,"start":3028.2551,"end":3054.3152},{"sentences":[{"text":"So if your property is not getting if you've got an investment property that's not the income coming in is less than what you're paying out in, you know, the mortgage payments, the interest, the fees for, you know, having someone look after it, like an agent look after it, then the difference of that is what the negative gearing is.","start":3054.855,"end":3075.23,"sentiment":"neutral","sentiment_score":-0.12584328248364027},{"text":"The difference of that is a loss.","start":3075.23,"end":3076.67,"sentiment":"neutral","sentiment_score":-0.25088017114571165},{"text":"And at the moment, you can claim that loss against your personal ink, sorry, income.","start":3076.67,"end":3081.335,"sentiment":"neutral","sentiment_score":-0.11727393095691999},{"text":"Sorry.","start":3081.475,"end":3081.795,"sentiment":"neutral","sentiment_score":-0.07353688031435013},{"text":"My first did it so this afternoon.","start":3081.795,"end":3083.415,"sentiment":"neutral","sentiment_score":0.009743890592030116}],"sentiment":"neutral","sentiment_score":-0.12304439604446128,"num_words":91,"start":3054.855,"end":3083.415},{"sentences":[{"text":"But you can claim that loss against your personal income, which reduced your income tax.","start":3084.9949,"end":3089.095,"sentiment":"neutral","sentiment_score":0.0037258272369702656},{"text":"Yes.","start":3095.57,"end":3095.8901,"sentiment":"neutral","sentiment_score":0.15532535314559937},{"text":"That's the way it works at the moment.","start":3095.8901,"end":3097.4302,"sentiment":"neutral","sentiment_score":0.22031552530825138},{"text":"But with those changes, that loss won't be claimable against your income.","start":3097.7302,"end":3102.3901,"sentiment":"neutral","sentiment_score":0.09881635072330634},{"text":"It'll only be claimable against capital gains.","start":3102.77,"end":3105.435,"sentiment":"neutral","sentiment_score":0.05253774992057255}],"sentiment":"neutral","sentiment_score":0.08203017261139182,"num_words":43,"start":3084.9949,"end":3105.435},{"sentences":[{"text":"So it will just continuously carry forward until you sell it.","start":3105.435,"end":3108.5552,"sentiment":"neutral","sentiment_score":0.02759382924572988},{"text":"Yeah.","start":3108.5552,"end":3109.0552,"sentiment":"neutral","sentiment_score":0.03858766332268715},{"text":"No.","start":3115.7551,"end":3116.2551,"sentiment":"neutral","sentiment_score":-0.06914019584655762},{"text":"Absolutely.","start":3116.5552,"end":3117.0552,"sentiment":"neutral","sentiment_score":-0.054815854877233505},{"text":"Yeah.","start":3117.595,"end":3118.095,"sentiment":"neutral","sentiment_score":-0.05334937572479248}],"sentiment":"neutral","sentiment_score":0.010987623905142149,"num_words":15,"start":3105.435,"end":3118.095},{"sentences":[{"text":"Absolutely.","start":3121.56,"end":3122.06,"sentiment":"neutral","sentiment_score":0.09373095631599426},{"text":"Yeah.","start":3122.28,"end":3122.52,"sentiment":"neutral","sentiment_score":0.03208106756210327},{"text":"And you're sort of hoping that when you sell that property, if you sell it, that you're gonna make a profit.","start":3122.52,"end":3127.3398,"sentiment":"neutral","sentiment_score":-0.011835947455394836},{"text":"Whereas, you know, there have been instances where people have bought properties in Melbourne or Sydney, and whilst the market's gone up over ten years, that property itself or the area hasn't gone up as much, and therefore, they haven't made as much of a gain.","start":3127.72,"end":3141.875,"sentiment":"neutral","sentiment_score":-0.20438361799587373},{"text":"Yeah.","start":3143.6301,"end":3144.1301,"sentiment":"neutral","sentiment_score":-0.03132697194814682}],"sentiment":"neutral","sentiment_score":-0.13651023246347904,"num_words":70,"start":3121.56,"end":3144.1301},{"sentences":[{"text":"Yeah.","start":3146.83,"end":3147.31,"sentiment":"neutral","sentiment_score":-0.042229630053043365},{"text":"There's a lot to think about.","start":3147.31,"end":3148.77,"sentiment":"neutral","sentiment_score":-0.07025795678297679},{"text":"Yeah.","start":3160.105,"end":3160.5051,"sentiment":"neutral","sentiment_score":0.08387202024459839},{"text":"No.","start":3160.5051,"end":3160.905,"sentiment":"neutral","sentiment_score":0.07667841017246246},{"text":"Look.","start":3160.905,"end":3161.225,"sentiment":"neutral","sentiment_score":0.20462071895599365}],"sentiment":"neutral","sentiment_score":-0.009860622137784958,"num_words":10,"start":3146.83,"end":3161.225},{"sentences":[{"text":"Honestly, it has actually done really, really well.","start":3161.225,"end":3163.785,"sentiment":"positive","sentiment_score":0.43536264449357986},{"text":"So I've actually, as part of this, wanted to yeah.","start":3163.785,"end":3167.565,"sentiment":"neutral","sentiment_score":0.01986740455031395},{"text":"Yeah.","start":3167.625,"end":3168.125,"sentiment":"neutral","sentiment_score":0.1056717187166214},{"text":"Just having a quick look because I did have, as part of the call, your annual review docs here as well for you to kinda give you an update on your super.","start":3168.265,"end":3176.36,"sentiment":"neutral","sentiment_score":0.16509881964884698},{"text":"And I'll send it I'll get to my team to send through the annual review docs shortly for you as well, which has your ongoing service agreement for the next twelve months there also.","start":3177.3801,"end":3186.135,"sentiment":"neutral","sentiment_score":0.12903129418983178}],"sentiment":"neutral","sentiment_score":0.1583232135457151,"num_words":85,"start":3161.225,"end":3186.135},{"sentences":[{"text":"But when I have a really good look at it so you're super over the last twelve months.","start":3186.675,"end":3190.375,"sentiment":"positive","sentiment_score":0.34080689400434494},{"text":"Everything generally has been performing quite well.","start":3190.9949,"end":3193.655,"sentiment":"positive","sentiment_score":0.6551661661693028},{"text":"All in all, Matthew, you're up by 11.19% net of fees.","start":3194.195,"end":3198.42,"sentiment":"positive","sentiment_score":0.460825497453863},{"text":"As earnings the earnings and growth in the portfolio, you've essentially made, $76,948.55.","start":3198.74,"end":3207.14,"sentiment":"positive","sentiment_score":0.3490999788045883},{"text":"So your portfolio has done really well even through the market ups and downs there.","start":3207.14,"end":3212.04,"sentiment":"positive","sentiment_score":0.47020627160867057}],"sentiment":"positive","sentiment_score":0.42783064884133637,"num_words":64,"start":3186.675,"end":3212.04},{"sentences":[{"text":"Most of your portfolio performed quite nicely as part of the advice.","start":3213.4949,"end":3217.755,"sentiment":"positive","sentiment_score":0.6823408057292303},{"text":"I've actually gone back and made a little bit of a dig to your portfolio.","start":3217.815,"end":3221.035,"sentiment":"neutral","sentiment_score":0.21305913627147674},{"text":"We are the Benelon Australian Equities in there hasn't been performing as much as good as we would want it to be, so we are looking to remove that and replace that with a cheaper investment option, but still keeping access and exposure to the Australian equities.","start":3221.255,"end":3235.2,"sentiment":"neutral","sentiment_score":0.026335299569875636},{"text":"So I will show you that as part of the advice document, but just making a bit of a switch on the investments there.","start":3235.26,"end":3241.015,"sentiment":"neutral","sentiment_score":0.05853111669421196},{"text":"Just making sure that we're removing anything that has underperformed.","start":3241.555,"end":3244.055,"sentiment":"neutral","sentiment_score":-0.03890763632953167}],"sentiment":"neutral","sentiment_score":0.12627227990715592,"num_words":108,"start":3213.4949,"end":3244.055},{"sentences":[{"text":"Sorry.","start":3244.9949,"end":3245.3948,"sentiment":"neutral","sentiment_score":-0.09831608086824416},{"text":"You're at Not really.","start":3245.3948,"end":3254.71,"sentiment":"neutral","sentiment_score":-0.10576722770929337},{"text":"It's just No.","start":3254.77,"end":3265.1848,"sentiment":"neutral","sentiment_score":-0.12918527921040854},{"text":"So thankfully, Super was kinda left out of it all, but they also have got that division two nine six tax now.","start":3265.1848,"end":3271.4248,"sentiment":"neutral","sentiment_score":-0.13319101303138517},{"text":"So if you're Super gets up over 3,000,000, there's additional taxes there.","start":3271.4248,"end":3275.79,"sentiment":"neutral","sentiment_score":-0.12411433116843303}],"sentiment":"neutral","sentiment_score":-0.12686940690591222,"num_words":42,"start":3244.9949,"end":3275.79},{"sentences":[{"text":"But if you're at risk of getting up over 3,000,000, I will make sure I notice that for you, and we'll do what we can to hide the funds when you are around that age of 60.","start":3276.27,"end":3285.01,"sentiment":"neutral","sentiment_score":-0.04541148132065664},{"text":"The original projection.","start":3294.9849,"end":3296.125,"sentiment":"neutral","sentiment_score":0.009089251359303793},{"text":"Yeah.","start":3296.9849,"end":3297.4849,"sentiment":"neutral","sentiment_score":0.0451849102973938},{"text":"Yeah.","start":3297.625,"end":3298.105,"sentiment":"neutral","sentiment_score":0.050081685185432434},{"text":"Yeah.","start":3298.105,"end":3298.585,"sentiment":"neutral","sentiment_score":0.05333951115608215}],"sentiment":"neutral","sentiment_score":-0.03498490577087153,"num_words":43,"start":3276.27,"end":3298.585},{"sentences":[{"text":"And then, look, projections can change over time depending on what markets do.","start":3298.585,"end":3303.165,"sentiment":"neutral","sentiment_score":0.02505678726503482},{"text":"But, look, we're just trying to make sure we get you super to the best possible outcome.","start":3303.3398,"end":3306.88,"sentiment":"neutral","sentiment_score":0.18402936966980205},{"text":"I'll keep looking at it.","start":3307.5798,"end":3308.6199,"sentiment":"neutral","sentiment_score":0.13714520633220673},{"text":"I'm part of this advice document.","start":3308.6199,"end":3310.16,"sentiment":"neutral","sentiment_score":0.16408209751049677},{"text":"I've got a ten year projection for you to show you where we're heading over the next ten years because you are still quite young.","start":3310.38,"end":3315.76,"sentiment":"neutral","sentiment_score":0.12916742205619813}],"sentiment":"neutral","sentiment_score":0.12657032859031903,"num_words":66,"start":3298.585,"end":3315.76},{"sentences":[{"text":"I personally don't like to sort of project too far into the future at the moment.","start":3315.905,"end":3318.945,"sentiment":"negative","sentiment_score":-0.35324670746922493},{"text":"I think with the volatility, we should just stick to ten years and see how we go in that time frame and then make changes as we need to.","start":3318.945,"end":3326.785,"sentiment":"neutral","sentiment_score":-0.07932569831609726},{"text":"But your super has done really well this year even with the ups and downs we saw.","start":3326.785,"end":3331.605,"sentiment":"neutral","sentiment_score":0.29919893951977},{"text":"One of the biggest sort of down periods we saw was around about the March 28, which is when everyone sort of felt that really big dip.","start":3332.36,"end":3338.86,"sentiment":"neutral","sentiment_score":-0.11000289933549033},{"text":"But your sleep has definitely recovered back from that, and I'm really happy that the return is received.","start":3339.08,"end":3343.1602,"sentiment":"positive","sentiment_score":0.5725162633591228}],"sentiment":"neutral","sentiment_score":0.041768260369791047,"num_words":107,"start":3315.905,"end":3343.1602},{"sentences":[{"text":"So that's really good.","start":3343.1602,"end":3344.3801,"sentiment":"positive","sentiment_score":0.6289389878511429},{"text":"Yeah.","start":3350.3152,"end":3350.8152,"sentiment":"neutral","sentiment_score":0.08076712489128113},{"text":"Absolutely.","start":3353.8352,"end":3354.3352,"sentiment":"neutral","sentiment_score":0.19237416982650757},{"text":"Yeah.","start":3363.61,"end":3364.11,"sentiment":"neutral","sentiment_score":0.04461650177836418},{"text":"Absolutely.","start":3365.3699,"end":3365.8699,"sentiment":"neutral","sentiment_score":0.30174562335014343}],"sentiment":"positive","sentiment_score":0.3919074214063585,"num_words":8,"start":3343.1602,"end":3365.8699},{"sentences":[{"text":"Absolutely.","start":3366.73,"end":3367.23,"sentiment":"neutral","sentiment_score":0.1981286853551865},{"text":"No.","start":3368.41,"end":3368.89,"sentiment":"neutral","sentiment_score":0.04345503821969032},{"text":"All good.","start":3368.89,"end":3369.53,"sentiment":"neutral","sentiment_score":0.23072578758001328},{"text":"All good.","start":3369.53,"end":3369.93,"sentiment":"neutral","sentiment_score":0.23902751505374908},{"text":"Well, I'll get the advice updated.","start":3369.93,"end":3371.8152,"sentiment":"neutral","sentiment_score":0.1146224079032739}],"sentiment":"neutral","sentiment_score":0.15573539802183708,"num_words":12,"start":3366.73,"end":3371.8152},{"sentences":[{"text":"I know we've gone through a lot.","start":3372.0352,"end":3373.475,"sentiment":"neutral","sentiment_score":0.02712825862857114},{"text":"And with regards to the investment property and the property side of things, there's a lot of unknowns, so it does make it very difficult to make a decision at the moment.","start":3373.475,"end":3381.415,"sentiment":"neutral","sentiment_score":-0.1920272399438545},{"text":"But do you guys have any other questions?","start":3381.475,"end":3383.475,"sentiment":"neutral","sentiment_score":0.08730554999783635},{"text":"Have I answered those questions for you?","start":3383.475,"end":3385.475,"sentiment":"neutral","sentiment_score":0.11860794786896024},{"text":"Is there anything else you wanted me to look into or any other questions you might have?","start":3385.475,"end":3389.97,"sentiment":"neutral","sentiment_score":0.08460598811507225}],"sentiment":"neutral","sentiment_score":-0.04208411316593952,"num_words":71,"start":3372.0352,"end":3389.97},{"sentences":[{"text":"It did.","start":3398.685,"end":3401.905,"sentiment":"neutral","sentiment_score":-0.16588031500577927},{"text":"Yeah.","start":3410.445,"end":3410.945,"sentiment":"neutral","sentiment_score":-0.18048173189163208},{"text":"Yeah.","start":3416.1602,"end":3416.6602,"sentiment":"neutral","sentiment_score":-0.10173873603343964},{"text":"Yeah.","start":3420.6401,"end":3421.1401,"sentiment":"neutral","sentiment_score":-0.2333046793937683},{"text":"Yep.","start":3426.335,"end":3426.835,"sentiment":"neutral","sentiment_score":-0.063749760389328}],"sentiment":"neutral","sentiment_score":-0.1518392562866211,"num_words":6,"start":3398.685,"end":3426.835},{"sentences":[{"text":"Yep.","start":3426.975,"end":3427.475,"sentiment":"neutral","sentiment_score":-0.02814454957842827},{"text":"Yeah.","start":3457.405,"end":3457.905,"sentiment":"neutral","sentiment_score":-0.19793838262557983},{"text":"That's it.","start":3459.74,"end":3460.3,"sentiment":"neutral","sentiment_score":-0.24583715200424194},{"text":"Yeah.","start":3460.3,"end":3460.6199,"sentiment":"neutral","sentiment_score":-0.13166818022727966},{"text":"So there are other ways where we could look at, you know, our investments outside of Super, but you are then risking money that could be on your mortgage.","start":3460.6199,"end":3468.64,"sentiment":"neutral","sentiment_score":-0.12935388743363577}],"sentiment":"neutral","sentiment_score":-0.13531435741221204,"num_words":34,"start":3426.975,"end":3468.64},{"sentences":[{"text":"Realistically, the best way is to put as much as you can into your loan, sitting in an offset account so it's offsetting the loan that you have, and just trying to build it up slowly.","start":3469.02,"end":3480.335,"sentiment":"neutral","sentiment_score":0.0664766946186622},{"text":"I tend to, when it comes to cash on budgeting, say start with something small.","start":3481.115,"end":3484.315,"sentiment":"neutral","sentiment_score":0.09543742934862773},{"text":"Do $50 a week and then build it up as you get more comfortable doing so.","start":3484.315,"end":3488.6401,"sentiment":"neutral","sentiment_score":0.19282648619264364},{"text":"Whenever you get a bonus or whenever you get, you know, your tax return back, put it straight into the offset account.","start":3489.18,"end":3495.76,"sentiment":"neutral","sentiment_score":0.03916153379461982},{"text":"One of the biggest risks with doing that is people go, oh, I've got all this extra money sitting there.","start":3496.1401,"end":3500.96,"sentiment":"negative","sentiment_score":-0.41835877597332}],"sentiment":"neutral","sentiment_score":-0.005464913306433126,"num_words":109,"start":3469.02,"end":3500.96},{"sentences":[{"text":"So we can have that extra holiday.","start":3501.365,"end":3502.885,"sentiment":"neutral","sentiment_score":-0.0922443877373423},{"text":"We can go on to the movies an extra week or have an extra dinner out, and it's hard to kinda train your mind not to do that.","start":3502.885,"end":3509.305,"sentiment":"positive","sentiment_score":0.3378500725541796},{"text":"If you have larger lump sums, putting it on the loan is a good thing because it really reduces the loan.","start":3509.4448,"end":3514.825,"sentiment":"positive","sentiment_score":0.4987597053959256},{"text":"But if you can train your brain to sort of not spend that money quickly, then putting it into the offset account is a really good idea because if you have, you know, a large expenditure, something to the kids that you have to pay for, the car breaks down, or you have to get a new car down the track, you can withdraw that money back.","start":3515.28,"end":3532.265,"sentiment":"positive","sentiment_score":0.4183262909081445},{"text":"But whilst it's sitting in the offset account, it is offsetting the interest that you are paying on the loan and does the same thing as sitting on the loan directly.","start":3532.265,"end":3540.365,"sentiment":"neutral","sentiment_score":0.06997479125857353}],"sentiment":"neutral","sentiment_score":0.32133198149695796,"num_words":154,"start":3501.365,"end":3540.365},{"sentences":[{"text":"So I always suggest start with something small, $50 a week or a fortnight, and get used to putting that in there, training our brain to, you know, follow that behavior, and then keep building it up as you feel comfortable doing so.","start":3540.505,"end":3554.91,"sentiment":"positive","sentiment_score":0.46633924335934396},{"text":"Down the track, there's also things we can also look at, you know, investment bonds or building investment accounts outside of super, but then you're sort of looking at whether the investment is is likely to get the return that you're paying on your mortgage.","start":3555.45,"end":3569.935,"sentiment":"neutral","sentiment_score":0.1345357315407859},{"text":"At the moment, we are paying quite high mortgage repay repayment rates.","start":3570.57,"end":3574.4102,"sentiment":"neutral","sentiment_score":0.011627028075357279},{"text":"And by sitting that money in your offset account or on your mortgage, it's essentially a guaranteed return.","start":3574.4102,"end":3579.3901,"sentiment":"neutral","sentiment_score":0.08950725860065883},{"text":"Whereas putting money into investments, there's no guarantee on that return, and markets at the moment are very volatile.","start":3579.9302,"end":3586.735,"sentiment":"neutral","sentiment_score":-0.1585878411209897}],"sentiment":"neutral","sentiment_score":0.18134438973871897,"num_words":137,"start":3540.505,"end":3586.735},{"sentences":[{"text":"Sorry.","start":3586.955,"end":3587.2751,"sentiment":"neutral","sentiment_score":-0.13543954491615295},{"text":"You're at 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having multiple offset accounts is a really good idea.","start":3656.6401,"end":3659.78,"sentiment":"positive","sentiment_score":0.5138051480054855},{"text":"So you can move money around as you need it, but it all still is offsetting the account for you.","start":3659.84,"end":3666.525,"sentiment":"positive","sentiment_score":0.3781419850885868},{"text":"So that is a really good idea.","start":3666.525,"end":3668.785,"sentiment":"positive","sentiment_score":0.7084196720804486}],"sentiment":"positive","sentiment_score":0.46369760349774974,"num_words":39,"start":3655.12,"end":3668.785},{"sentences":[{"text":"Up Bank, I've not heard anything bad about them.","start":3669.565,"end":3671.805,"sentiment":"neutral","sentiment_score":0.2278423872258928},{"text":"They're honestly really good.","start":3671.805,"end":3673.1848,"sentiment":"positive","sentiment_score":0.6214164346456528},{"text":"They're all covered by the government guarantee.","start":3673.56,"end":3675.5,"sentiment":"neutral","sentiment_score":0.3300903226648058},{"text":"So, you know, you do have that protection.","start":3676.76,"end":3678.7,"sentiment":"neutral","sentiment_score":0.24179521016776562},{"text":"It's 250,000 per person if the bank happens to go completely broke.","start":3678.76,"end":3683.6602,"sentiment":"neutral","sentiment_score":0.09775764370958011}],"sentiment":"neutral","sentiment_score":0.24885832220315934,"num_words":40,"start":3669.565,"end":3683.6602},{"sentences":[{"text":"So you do have those protections in place of Up Bank, and and the interest rates are really good because they don't have bricks and mortar, so you don't have a branch to go into.","start":3685.32,"end":3694.185,"sentiment":"neutral","sentiment_score":0.19741542701210293},{"text":"But if you don't really need one, getting better interest rates on your loans and your and your money sitting in those banks and having those multiple offset accounts could definitely provide greater benefit.","start":3694.185,"end":3705.04,"sentiment":"neutral","sentiment_score":0.2555772964568699},{"text":"Yeah.","start":3709.42,"end":3709.92,"sentiment":"neutral","sentiment_score":-0.034076690673828125},{"text":"Absolutely.","start":3712.62,"end":3713.12,"sentiment":"neutral","sentiment_score":-0.024897683411836624},{"text":"Yeah.","start":3715.755,"end":3716.2349,"sentiment":"neutral","sentiment_score":-0.004498235881328583}],"sentiment":"neutral","sentiment_score":0.21577354743041927,"num_words":72,"start":3685.32,"end":3716.2349},{"sentences":[{"text":"Wow.","start":3716.2349,"end":3716.7349,"sentiment":"neutral","sentiment_score":0.003273206762969494},{"text":"Yeah.","start":3721.9949,"end":3722.4949,"sentiment":"neutral","sentiment_score":0.0384751632809639},{"text":"Absolutely.","start":3725.275,"end":3725.775,"sentiment":"neutral","sentiment_score":0.0628143846988678},{"text":"Yeah.","start":3726.635,"end":3727.035,"sentiment":"neutral","sentiment_score":0.011852172203361988},{"text":"Absolutely.","start":3727.035,"end":3727.535,"sentiment":"neutral","sentiment_score":0.010506290011107922}],"sentiment":"neutral","sentiment_score":0.02538424339145422,"num_words":5,"start":3716.2349,"end":3727.535},{"sentences":[{"text":"I think with ING, do they let you have separate do they let you have several offset accounts?","start":3727.9148,"end":3736.15,"sentiment":"neutral","sentiment_score":-0.01768186641857028},{"text":"Oh, that's horrible.","start":3739.17,"end":3740.63,"sentiment":"negative","sentiment_score":-0.4296135902404785},{"text":"Yeah.","start":3743.17,"end":3743.67,"sentiment":"neutral","sentiment_score":-0.09731848537921906},{"text":"Not the same.","start":3747.0251,"end":3747.925,"sentiment":"neutral","sentiment_score":-0.13866019497315088},{"text":"Yeah.","start":3749.3452,"end":3749.8452,"sentiment":"neutral","sentiment_score":0.24306923151016235}],"sentiment":"neutral","sentiment_score":-0.07220554634785423,"num_words":26,"start":3727.9148,"end":3749.8452},{"sentences":[{"text":"Yeah.","start":3752.865,"end":3753.365,"sentiment":"neutral","sentiment_score":0.13335835933685303},{"text":"Yep.","start":3759.6,"end":3760.1,"sentiment":"neutral","sentiment_score":0.11220751702785492},{"text":"No.","start":3771.2148,"end":3771.6948,"sentiment":"neutral","sentiment_score":-0.2053249478340149},{"text":"Definitely 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idea.","start":3780.095,"end":3783.3948,"sentiment":"positive","sentiment_score":0.5597450226545334}],"sentiment":"positive","sentiment_score":0.49167984157800676,"num_words":25,"start":3775.055,"end":3783.3948},{"sentences":[{"text":"I know I've got, you know, several offset accounts on my on my with my bank, but, you know, us has always been really good with interest rates.","start":3783.59,"end":3792.31,"sentiment":"neutral","sentiment_score":0.1831933810774769},{"text":"They are one of the biggest for those term deposits and high interest savings accounts.","start":3792.31,"end":3798.925,"sentiment":"neutral","sentiment_score":0.26139493385950724},{"text":"A lot of people are sort of moving towards them for that when they don't need that bricks and the bricks and mortar, don't wanna go into a branch.","start":3798.925,"end":3804.925,"sentiment":"neutral","sentiment_score":0.12419554359953978},{"text":"So absolutely look into that.","start":3804.925,"end":3806.285,"sentiment":"neutral","sentiment_score":0.27489359974861144},{"text":"That's a great idea.","start":3806.285,"end":3807.345,"sentiment":"positive","sentiment_score":0.6615731716156006}],"sentiment":"neutral","sentiment_score":0.2058366682426429,"num_words":81,"start":3783.59,"end":3807.345},{"sentences":[{"text":"Yeah.","start":3813.42,"end":3813.74,"sentiment":"neutral","sentiment_score":0.027405517175793648},{"text":"Yeah.","start":3813.74,"end":3814.24,"sentiment":"neutral","sentiment_score":0.007972250692546368},{"text":"Yep.","start":3816.46,"end":3816.96,"sentiment":"neutral","sentiment_score":-0.015783220529556274},{"text":"Yep.","start":3817.66,"end":3818.16,"sentiment":"neutral","sentiment_score":-0.04474599286913872},{"text":"Yep.","start":3823.7551,"end":3824.2551,"sentiment":"neutral","sentiment_score":0.0016768364002928138}],"sentiment":"neutral","sentiment_score":-0.004694921826012432,"num_words":5,"start":3813.42,"end":3824.2551},{"sentences":[{"text":"Yeah.","start":3837.0498,"end":3837.5498,"sentiment":"neutral","sentiment_score":-0.06981807947158813},{"text":"Absolutely.","start":3837.69,"end":3838.19,"sentiment":"neutral","sentiment_score":-0.14842943847179413},{"text":"Absolutely.","start":3840.73,"end":3841.23,"sentiment":"neutral","sentiment_score":-0.0005277413874864578},{"text":"Yeah.","start":3841.77,"end":3842.27,"sentiment":"neutral","sentiment_score":0.006122274324297905},{"text":"Look.","start":3842.5698,"end":3842.8098,"sentiment":"neutral","sentiment_score":0.016596229746937752}],"sentiment":"neutral","sentiment_score":-0.039211351051926614,"num_words":5,"start":3837.0498,"end":3842.8098},{"sentences":[{"text":"If you ever wanted me to, I can send you a a budget planner as well.","start":3842.8098,"end":3845.93,"sentiment":"neutral","sentiment_score":0.07207229733467102},{"text":"You're welcome to, you know, cash on budgeting advice.","start":3845.93,"end":3848.355,"sentiment":"neutral","sentiment_score":0.1739231761958864},{"text":"I can do up a you know, look at where your budget is, and do up a bit of a strategy paper showing you different ways to alter your budget to help you either put more onto your mortgage or put savings away somewhere for a certain goal.","start":3848.355,"end":3862.935,"sentiment":"neutral","sentiment_score":0.12178566857861976},{"text":"So you always have those for access as well, and there there are other things that I do look at for a lot of our clients as well.","start":3863.46,"end":3869.64,"sentiment":"neutral","sentiment_score":0.2360567817730563},{"text":"Yeah.","start":3881.955,"end":3882.455,"sentiment":"neutral","sentiment_score":0.08149141073226929}],"sentiment":"neutral","sentiment_score":0.1495613601496991,"num_words":102,"start":3842.8098,"end":3882.455},{"sentences":[{"text":"That's really good.","start":3883.875,"end":3885.0151,"sentiment":"positive","sentiment_score":0.4780728022257487},{"text":"Yeah.","start":3891.49,"end":3891.99,"sentiment":"neutral","sentiment_score":0.0701284408569336},{"text":"Absolutely.","start":3897.57,"end":3898.07,"sentiment":"neutral","sentiment_score":0.1879218965768814},{"text":"Yeah.","start":3901.9048,"end":3902.4048,"sentiment":"neutral","sentiment_score":0.05844799429178238},{"text":"Yeah.","start":3902.625,"end":3903.125,"sentiment":"neutral","sentiment_score":0.039159826934337616}],"sentiment":"neutral","sentiment_score":0.2556966521910259,"num_words":7,"start":3883.875,"end":3903.125},{"sentences":[{"text":"Yeah.","start":3908.145,"end":3908.645,"sentiment":"neutral","sentiment_score":0.03220506012439728},{"text":"No.","start":3911.92,"end":3912.08,"sentiment":"neutral","sentiment_score":-0.06526224315166473},{"text":"It's a different world our kids live in, isn't it?","start":3912.08,"end":3914.58,"sentiment":"neutral","sentiment_score":-0.0965720258653164},{"text":"Definitely different.","start":3914.96,"end":3915.94,"sentiment":"neutral","sentiment_score":-0.11765900254249573},{"text":"I know.","start":3928.2751,"end":3929.0151,"sentiment":"neutral","sentiment_score":-0.10580316931009293}],"sentiment":"neutral","sentiment_score":-0.09035636158660054,"num_words":16,"start":3908.145,"end":3929.0151},{"sentences":[{"text":"It's crazy.","start":3929.635,"end":3930.375,"sentiment":"neutral","sentiment_score":-0.07242578268051147},{"text":"Back in the day, we had to sit there and sit wait for 06:00 to to Simpsons or, you know, wait for mom to send me to watching the news and to watch what we wanted to watch.","start":3932.5151,"end":3940.18,"sentiment":"neutral","sentiment_score":-0.016915067295102698},{"text":"If you missed it, that was it.","start":3940.18,"end":3942.28,"sentiment":"neutral","sentiment_score":-0.05911436889852796},{"text":"That's it.","start":3945.6199,"end":3946.5798,"sentiment":"neutral","sentiment_score":-0.026805819012224674},{"text":"That's it.","start":3946.5798,"end":3947.48,"sentiment":"neutral","sentiment_score":-0.03312043659389019}],"sentiment":"neutral","sentiment_score":-0.025907396393663743,"num_words":51,"start":3929.635,"end":3947.48},{"sentences":[{"text":"Oh, that's it.","start":3947.94,"end":3948.8198,"sentiment":"neutral","sentiment_score":-0.05809444189071655},{"text":"Those are the days, honestly.","start":3948.8198,"end":3950.0398,"sentiment":"neutral","sentiment_score":-0.12352734804153442},{"text":"Oh, I know.","start":3954.535,"end":3955.4148,"sentiment":"neutral","sentiment_score":-0.1772510508696238},{"text":"It's crazy.","start":3955.4148,"end":3956.315,"sentiment":"negative","sentiment_score":-0.3361063748598099},{"text":"Oh, goodness 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has.","start":3969.8499,"end":3970.99,"sentiment":"neutral","sentiment_score":-0.06530130406220754},{"text":"Yeah.","start":3971.13,"end":3971.63,"sentiment":"neutral","sentiment_score":-0.027992963790893555}],"sentiment":"neutral","sentiment_score":-0.030533122830092907,"num_words":8,"start":3963.77,"end":3971.63},{"sentences":[{"text":"Yeah.","start":3975.705,"end":3975.945,"sentiment":"neutral","sentiment_score":0.019048837944865227},{"text":"Yeah.","start":3975.945,"end":3976.445,"sentiment":"neutral","sentiment_score":0.04628216475248337},{"text":"Yeah.","start":3977.625,"end":3978.125,"sentiment":"neutral","sentiment_score":0.04148636758327484},{"text":"And, realistically, when we're on, you know, a higher income, we wanna be able to save as much tax as possible.","start":3978.665,"end":3984.0452,"sentiment":"neutral","sentiment_score":0.047850925741451125},{"text":"You know, we can never make a recommendation solely to avoid paying tax.","start":3984.665,"end":3988.5051,"sentiment":"neutral","sentiment_score":-0.22834454362209028}],"sentiment":"neutral","sentiment_score":-0.05018357449286693,"num_words":37,"start":3975.705,"end":3988.5051},{"sentences":[{"text":"However, negative gearing is just the outcome of having investment property and, you know, investing for the future at the same time.","start":3988.5051,"end":3990.84,"sentiment":"neutral","sentiment_score":-0.23860076747157358},{"text":"Of having investment property and, you know, investing for the future at the same time.","start":3991.9602,"end":3994.9202,"sentiment":"neutral","sentiment_score":0.07969664881626765},{"text":"So there's nothing wrong with that.","start":3994.9202,"end":3996.12,"sentiment":"neutral","sentiment_score":0.18680827071269354},{"text":"It's all it's all good.","start":3996.12,"end":3998.28,"sentiment":"positive","sentiment_score":0.546860146522522},{"text":"It's all fine.","start":3998.28,"end":3999.26,"sentiment":"positive","sentiment_score":0.3673858344554901}],"sentiment":"neutral","sentiment_score":0.01771648447303211,"num_words":51,"start":3988.5051,"end":3999.26},{"sentences":[{"text":"But, yeah, it's a shame that they're putting these changes in place because it does mean that, you know, a lot of moms and dads out there aren't gonna be able to access or hold property the way they we have in the past without buying new homes, and that could put 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mean, your trust would have to send to be the employee or finding a way to be able to put the money in.","start":4055.785,"end":4062.185,"sentiment":"neutral","sentiment_score":-0.08701490424573421},{"text":"But if the legislation goes through the trust, it might not be worth having one of those because, you know, distributing income won't really make a difference if a trust is paying 30% tax and then distributing income out, and then that could push up your you know, if you're on the highest marginal tax rate, the trust has paid income, distributes you income from the trust with what's left over, and then you because you're on more than 30%, have to pay additional tax on top of that.","start":4062.185,"end":4090.875,"sentiment":"negative","sentiment_score":-0.3430420068207751},{"text":"So that could be more of a disadvantage down the track.","start":4090.875,"end":4093.535,"sentiment":"negative","sentiment_score":-0.5344712788408453}],"sentiment":"neutral","sentiment_score":-0.2814760436750438,"num_words":146,"start":4047.52,"end":4093.535},{"sentences":[{"text":"Yeah.","start":4098.235,"end":4098.715,"sentiment":"neutral","sentiment_score":-0.02400398626923561},{"text":"Yeah.","start":4098.715,"end":4099.215,"sentiment":"neutral","sentiment_score":-0.017123710364103317},{"text":"So it's just a matter of watching all these bits and pieces and see what goes through, what doesn't.","start":4099.275,"end":4104.4097,"sentiment":"neutral","sentiment_score":-0.07187246531248093},{"text":"But yeah.","start":4105.19,"end":4106.01,"sentiment":"neutral","sentiment_score":0.00968865305185318},{"text":"Feel free to let me know if you have more questions down the 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you.","start":4111.75,"end":4129.5254,"sentiment":"neutral","sentiment_score":-0.11789905390469357},{"text":"Yeah.","start":4132.07,"end":4132.57,"sentiment":"neutral","sentiment_score":-0.046114884316921234},{"text":"Yeah.","start":4133.03,"end":4133.53,"sentiment":"neutral","sentiment_score":-0.05197654664516449},{"text":"Oh, good.","start":4134.3896,"end":4134.8696,"sentiment":"neutral","sentiment_score":0.22541267424821854}],"sentiment":"neutral","sentiment_score":-0.10903762811794877,"num_words":80,"start":4108.8696,"end":4134.8696},{"sentences":[{"text":"I'm so sorry that the budget's put a bit of a spanner in the works.","start":4134.8696,"end":4137.4297,"sentiment":"neutral","sentiment_score":-0.2729904353618622},{"text":"It's made it very hard to kind of give you guys an exact answer on what the best thing to do right now is.","start":4137.4297,"end":4142.57,"sentiment":"neutral","sentiment_score":-0.313090526809295},{"text":"But, yeah, we'll keep watching it, and I'll make sure, you know, that we can keep having these conversations as things change.","start":4142.63,"end":4148.535,"sentiment":"neutral","sentiment_score":0.23834108273414048},{"text":"And, yeah, let me know if you do have questions.","start":4148.535,"end":4150.935,"sentiment":"positive","sentiment_score":0.3394884064793587},{"text":"I'm here to help you out.","start":4150.935,"end":4152.055,"sentiment":"positive","sentiment_score":0.4755648026863734}],"sentiment":"neutral","sentiment_score":-0.0015227593868583828,"num_words":77,"start":4134.8696,"end":4152.055},{"sentences":[{"text":"So, yeah, if there's anything you need.","start":4152.055,"end":4154.235,"sentiment":"neutral","sentiment_score":0.23646644183567592},{"text":"Yeah.","start":4154.455,"end":4154.955,"sentiment":"neutral","sentiment_score":0.11273078620433807},{"text":"Yeah.","start":4165.54,"end":4166.04,"sentiment":"neutral","sentiment_score":0.02227821946144104},{"text":"Need to win later.","start":4168.82,"end":4169.86,"sentiment":"neutral","sentiment_score":0.07834960147738457},{"text":"Need to win later.","start":4169.86,"end":4171.0,"sentiment":"neutral","sentiment_score":0.031653362326323986}],"sentiment":"neutral","sentiment_score":0.13119329139590263,"num_words":17,"start":4152.055,"end":4171.0},{"sentences":[{"text":"No.","start":4174.695,"end":4175.0947,"sentiment":"negative","sentiment_score":-0.42291781306266785},{"text":"It doesn't for me.","start":4175.0947,"end":4175.975,"sentiment":"negative","sentiment_score":-0.44105634093284607},{"text":"My husband plays it.","start":4175.975,"end":4177.0947,"sentiment":"neutral","sentiment_score":-0.2414396069943905},{"text":"I don't I really don't, but he he enjoys doing it a little bit, and I think this is a bit of fun at the same time.","start":4177.0947,"end":4182.935,"sentiment":"positive","sentiment_score":0.47651164951147856},{"text":"I said, look, if I win, all my clients will be fine.","start":4182.935,"end":4185.835,"sentiment":"positive","sentiment_score":0.3993652065594991}],"sentiment":"neutral","sentiment_score":0.30219365439067286,"num_words":48,"start":4174.695,"end":4185.835},{"sentences":[{"text":"All good.","start":4191.29,"end":4192.1104,"sentiment":"positive","sentiment_score":0.41305704414844513},{"text":"It is.","start":4195.6104,"end":4196.35,"sentiment":"neutral","sentiment_score":-0.01754672359675169},{"text":"Yeah.","start":4198.0103,"end":4198.5103,"sentiment":"neutral","sentiment_score":0.0569273941218853},{"text":"Absolutely.","start":4199.145,"end":4199.645,"sentiment":"neutral","sentiment_score":0.09061606973409651},{"text":"No.","start":4200.105,"end":4200.505,"sentiment":"neutral","sentiment_score":0.06336081773042679}],"sentiment":"neutral","sentiment_score":0.14313213181282794,"num_words":7,"start":4191.29,"end":4200.505},{"sentences":[{"text":"All good.","start":4200.505,"end":4201.145,"sentiment":"neutral","sentiment_score":0.16925887763500214},{"text":"Well, what I'll do is after the call, I'll send out I'll get Michelle to send out the annual review pack.","start":4201.145,"end":4205.3047,"sentiment":"neutral","sentiment_score":0.25750663734617685},{"text":"If you can just sign and return that back for me, that'd be fabulous.","start":4205.3047,"end":4208.045,"sentiment":"positive","sentiment_score":0.4536055986370359},{"text":"I've got your advice document here.","start":4208.8247,"end":4210.6646,"sentiment":"neutral","sentiment_score":0.26553860555092496},{"text":"I'll just go back and do some tweaks and some updates, and then I've got you booked in for the June 1 at 03:30 to run through that together.","start":4210.6646,"end":4219.19,"sentiment":"neutral","sentiment_score":0.16701733372334776}],"sentiment":"neutral","sentiment_score":0.2574079143297341,"num_words":72,"start":4200.505,"end":4219.19},{"sentences":[{"text":"You can have a look at what I've recommended, the advantages, disadvantages, the risks involved.","start":4219.19,"end":4223.45,"sentiment":"neutral","sentiment_score":0.11261270294586817},{"text":"I'll look at the recommendation based on your current goal, but then I'll also do just in the appendices the difference showing you if you just reduce those amounts under the mandated limits for, you know, financial underwriting to make sure we keep you under that limit, what that looks like for you as well so you can decide what you wanna do moving forward.","start":4224.15,"end":4243.9297,"sentiment":"neutral","sentiment_score":0.11812870628558672},{"text":"Does that sound okay?","start":4243.9297,"end":4245.07,"sentiment":"neutral","sentiment_score":0.11247025988996029},{"text":"Yep.","start":4247.13,"end":4247.53,"sentiment":"neutral","sentiment_score":0.24054329097270968},{"text":"Beautiful.","start":4247.53,"end":4248.01,"sentiment":"positive","sentiment_score":0.5266566276550293}],"sentiment":"neutral","sentiment_score":0.1230771791969621,"num_words":86,"start":4219.19,"end":4248.01},{"sentences":[{"text":"All good.","start":4248.01,"end":4248.4097,"sentiment":"positive","sentiment_score":0.44303563237190247},{"text":"If you finally have other questions, let me know.","start":4248.4097,"end":4250.17,"sentiment":"neutral","sentiment_score":0.2426336622900433},{"text":"I'm always here happy to help, Matthew.","start":4250.17,"end":4251.85,"sentiment":"positive","sentiment_score":0.5008160940238408},{"text":"And it's been lovely to chat to you, Camille.","start":4251.85,"end":4254.01,"sentiment":"positive","sentiment_score":0.6336820092466142},{"text":"I hope you've had a good day.","start":4254.01,"end":4255.4697,"sentiment":"positive","sentiment_score":0.49314290285110474}],"sentiment":"positive","sentiment_score":0.46266544960877476,"num_words":34,"start":4248.01,"end":4255.4697},{"sentences":[{"text":"That's okay.","start":4258.325,"end":4259.205,"sentiment":"positive","sentiment_score":0.3919486105442047},{"text":"You you get to put your feet up and relax a little bit now.","start":4259.205,"end":4261.9453,"sentiment":"positive","sentiment_score":0.41116634224142345},{"text":"Congratulations.","start":4270.16,"end":4270.66,"sentiment":"positive","sentiment_score":0.4517492353916168},{"text":"Oh, congratulations.","start":4278.15,"end":4278.9,"sentiment":"neutral","sentiment_score":0.2835012823343277},{"text":"Yes.","start":4282.0,"end":4282.5,"sentiment":"neutral","sentiment_score":0.2577168047428131}],"sentiment":"positive","sentiment_score":0.3908347308635712,"num_words":20,"start":4258.325,"end":4282.5},{"sentences":[{"text":"Absolutely.","start":4286.705,"end":4287.205,"sentiment":"neutral","sentiment_score":0.20593202114105225},{"text":"Yep.","start":4288.625,"end":4289.125,"sentiment":"neutral","sentiment_score":0.045131854712963104},{"text":"Oh, that'll be amazing.","start":4291.3447,"end":4292.725,"sentiment":"positive","sentiment_score":0.6742374897003174},{"text":"Congratulations.","start":4292.8647,"end":4293.3647,"sentiment":"positive","sentiment_score":0.8271263837814331},{"text":"Seven years is incredible.","start":4293.8247,"end":4295.045,"sentiment":"positive","sentiment_score":0.8034955412149429}],"sentiment":"positive","sentiment_score":0.6353747621178627,"num_words":11,"start":4286.705,"end":4295.045},{"sentences":[{"text":"That's fantastic.","start":4295.2646,"end":4296.085,"sentiment":"positive","sentiment_score":0.9121220409870148},{"text":"You enjoy that night.","start":4296.225,"end":4297.505,"sentiment":"positive","sentiment_score":0.879446417093277},{"text":"It's well deserved.","start":4297.505,"end":4298.645,"sentiment":"positive","sentiment_score":0.8377020955085754},{"text":"All good.","start":4301.54,"end":4302.26,"sentiment":"positive","sentiment_score":0.7755133509635925},{"text":"I'll let you both go.","start":4302.26,"end":4303.3,"sentiment":"positive","sentiment_score":0.5985239148139954}],"sentiment":"positive","sentiment_score":0.7749238945543766,"num_words":16,"start":4295.2646,"end":4303.3},{"sentences":[{"text":"Happy anniversary.","start":4303.3,"end":4304.1196,"sentiment":"positive","sentiment_score":0.6671091318130493},{"text":"I'll talk to you very soon.","start":4304.34,"end":4305.38,"sentiment":"positive","sentiment_score":0.3706907033920288},{"text":"If there's anything else that comes up question wise, just let me know.","start":4305.38,"end":4308.1797,"sentiment":"neutral","sentiment_score":0.12557396980432364},{"text":"Okay?","start":4308.1797,"end":4308.6797,"sentiment":"neutral","sentiment_score":0.11582031846046448},{"text":"Thanks, Matthew.","start":4310.6597,"end":4311.46,"sentiment":"positive","sentiment_score":0.6208038628101349}],"sentiment":"neutral","sentiment_score":0.2728438389798005,"num_words":24,"start":4303.3,"end":4311.46},{"sentences":[{"text":"Thanks, Camille.","start":4311.46,"end":4312.1797,"sentiment":"positive","sentiment_score":0.6082026064395905},{"text":"See you later.","start":4312.1797,"end":4312.9,"sentiment":"positive","sentiment_score":0.46244295438130695},{"text":"Bye.","start":4312.9,"end":4313.4,"sentiment":"neutral","sentiment_score":-0.10984281450510024}],"sentiment":"positive","sentiment_score":0.4156485435863336,"num_words":6,"start":4311.46,"end":4313.4}]}}]},{"alternatives":[{"transcript":"Hello. Matt speaking. Hello. How are you? A bit wet today, but apart from that yeah. Yeah. I was thinking maybe if we start with where you got to with the super stuff and because Camille was just getting home with the kids at the moment because she was keen to, you know, listen in on thoughts around what we may may not do to weigh up options. Yeah. Yep. Yeah. Correct. Yeah. That's correct. But I but that's then being reduced for net with the EV that I've got built in as part of that. So, yeah, I think I gave you the net take home. Yeah. Correct. Oh, Fortnite. Hold on one second. Say that again. That sounds like it should be the net amount. I'm just double check. That that could be my total. The number the number doesn't match with what I'm used to seeing. So I'll just I'll just stop at this per second. What? What is that from popcorn when she gets home. No. You're right. $55,733 and 32¢ next. Sorry. So that 8,000 would have been. $733.32 net. Yeah. Correct. Yeah. Yeah. That's fortnightly. Yep. Yeah. Correct. Because I think I had I had a pretty long wait to access the people. So so so so good when you like the same. I think about it every day. I mean, let me go. Oh, I need to get that sorted. Yep. Yes. So what what is the financial and medical underwriting? Accountable. So medical, they're just getting health checks to make sure they still wanna absorb me, I imagine. What's the financial one? Yep. Okay. How how close would I be to that number already? Is it What? But I'm but I'm not just looking for a big payout or something like that there. But it but it but it does map what I'm yeah. What my financial side does. Yeah. Okay. Thanks, Yeah. If you put the option in there about what it looks like just under because I think what if we just go under it just means I'm losing out more on the tax side if something was to occur at and then later. Right? That's that's Yeah. Yes. Correct. Yeah. I was That's part of the thing. Right? Just making these changes. It'll be Will affect my net cash flow. Right? It's the thing that's in the back of my head as well in finding that balance. A hard one. Yeah. No. That sounds good. Just just standard. Yeah. They're still a still a private company, so they're not wanting to give me more than what they have to. Let's does this same time in two weeks look okay for you? Yeah. That's good. No. Private box should be fine. Hold on. That's one second, I think. You know what? No. That's what I was gonna say. No. That's that's day doesn't that day. It was the twenty fifth what it was for me. I'm sorry. He's just he's just just walking the door, so he's got the side one a second. That's right there. I'm speak doing the decompressing. Watching watching these things after a big big dad too. So as long as they play nice with each other, that'd be fine. Yeah. We're no. We're finding ourselves an interesting thing at the moment, I guess, because I look at I look at how much I'm making and I go, I don't feel like I'm making the amount that I can see on paper at the moment. So I'm trying to figure out options and what else I can do. And looking at it going what's some comment? Yeah. So looking looking at it and just going, okay. I know my soup is very healthy for someone my age, which is great. But but, yeah, it can we're trying to figure out should we be doing anything else and now looking at what comes through the budget that sort of change of thoughts as well. Oh, that's it. I I I thought about that as well when I heard what they brought out. I'm like, I I I've got a feeling that we'll probably touch on some of those. We'll probably touch on some of those things. Look. And this is this is probably where we're a little bit stuck because we're going we we like the place we're in right now, but just because of the kids' needs, etcetera, we've got them in school on the other side of the of the other side of Brisbane right now because that school does stuff with Auslan and stuff for our daughter. And we like we like where we're living right now, but the the commute backwards and forwards and jumping around that way we're going, would it be easier if we got a pace closer? If I look to go on sale right now, I need to buy in the same market and I probably end up losing money to be fair. It's because it's like for like everywhere. So there's more we think we know the options in our head, but we wanted to go off. I've got I've got financial planning advice and thought through you guys, so I could actually make use of it. And and the So the interesting part is since we bought this place, I mean, it's Brisbane value a lot. So what realestate.com reckons at 1.45, I think it was, when I looked at it just on over the weekend or Friday. And so, I mean, that what we bought 09/20 and we looked at 1.45, that's decent growth. I mean, we've got a we've got a mortgage on it of still 700,000. So that that that chips away. Right? But the other thing that's happened since we bought was we have got there's been planning changes here that I could potentially go and look at getting the block cutting to because of the rezoning here, or at least it's something I could potentially look into a little bit more, but I don't know how that leaves things open at the same time. Yeah. That's fine. Yeah. Camille will see yourself. But Hi, Camille. Hi, Camille. Sorry. Please please snap me in my little Yep. Yeah. I'm on the top I'm on the top track at the moment. I'm pretty sure. Well, no. I've got myself back down a little bit by getting the car on there. That helps. But yeah. It's Yeah. Sorry. No. Yeah. That's now look. I I think She said you'd have to know family staff. Is that okay? To avoid the taxing fees. Yeah. So so even even if the block was split in two, does does that still require this one to be knocked down? Because it's not Yeah. Because it Yep. Yep. Yeah. So different patients on that in Brisbane anyhow. A lot of people didn't follow the rules, but yeah. Okay. So the so because do many people split the land and then just sell off the second bit of land rather than building? Does that ever work out profitable or not really? No. Yeah. Yeah. Because, I mean, I think the originally, the reason we started thinking this way was what if we what if we bought close to the school, but we wanted to we were trying to figure out a way that maybe we can still hold on to the current property because we like the area that it's in to come back to once the kids are out of school or or things like that and bring were there ways to offset that where it wouldn't stretch us too much. And I think that's where we're going, oh, well, could we could we split this one into two and we keep it because we like the location and either sell off or rent off or rent rent out this one that we're in right now and sell off the other one or yeah. Trying to think of where where we can do it where, like, we don't have the 150,000 sitting around. I mean, we've got yeah. What do we got? Probably fluctuates between 5 to 10 depending on what's what's going on with the pit. But yeah. Yes. Yeah. Is there is there ways to it's tricky with that budget that came out. Right? Because we don't I just don't don't know whether it'll pass or not. It's it's raising a lot of raising a lot of ire all over the place. Plenty of people are commentating on it. But so even if we bought a new place and change this one into an investment, in theory, that would still be hit by the new legislation coming out. Right? Or if it does yeah. It's a really good record to track how much loss you've got each year. Yeah. No. That makes sense. Just just out of interest, assuming it does go through, what sort of what's I'm assuming you guys have been doing thinking about what vehicles might be best for, a, reducing taxable income for high income tax owners and and sort of creating those other investment streams outside of properties, seeing negative gearing has been popular for so long. What's the what's the what's the thinking? I'm sure you guys would be busy trying to think up what what happens and because you'd have to be pivoting a lot of people. Right? So what Yeah. And I've hit the truck as well. Yeah. Yep. Yep. Yes. Yeah. I'd imagine they're keeping you on your toes at the moment. It's it's specifically it's typically targeted to hit hit these areas where people have made money, right, at the end of the day. And it's Yeah. Okay. Yeah. So unless unless we're able to find so essentially I I just I'm just just thinking. So if if it I get it that if the bill comes into play, then we gotta assess. And then if the bill comes into play, then it would be financially, our best thing would be to knock down and build two properties or something like that or rent and then take losses. But if the bill what I'm just curious. If the bill doesn't come through, what would be what would be the smartest financial move for us if we wanna, like if things don't just out of here. What's the most financially smart option for, like, financially in the future sort of thing? Or Yep. It'll all just be dependent on what what banks will take for serviceability and betting that you're not gonna be empty tenants and all the rest. Right? That's where the risk comes in the benefit. And remind me, if we if we pull equity out of this place to go and buy another one, does that that equity that I pull out then goes on to this loan normally, right, which would then click into investment? Yep. Yeah. That's right. So so this place, for example, what the current mortgage is sitting at 700, but the the the rough value at the moment is what? 1.45. So it's the 8080% difference of 1.45 take 700. Right? So so you'd be looking at what's 80%? What what's 80% of 700? Yeah. I don't mind. My mind just froze as well. My brain just froze thinking about it as well. Yeah. Yeah. So it still ends up being a a pretty hefty loan on the other side depending on how much things cost as well. Right? So probably best bet at the moment would be to keep saving, scurrying things away. Or if if the commute does get too hard, it's probably better off just selling this place than buying somewhere new because otherwise, probably gonna be you won't necessarily be buying something bigger on the on the other side. Yep. Reason I say bigger doesn't mean bigger, like, looking at stuff. So context where we'd be looking the houses of similar value where we'd be wanting to move into. So, yeah, it's not what I was thinking. If you get if you get an equity if you get an equity loan here I mean, equity loans still charge at your normal interest rate, right, depending on the outcome. And then sorry. What So you'd be going 700. That's in one point. If you have the 500 on, you're going another one. That's 1.2, and then you're probably looking all up. Yeah. You'd need to be almost another million be almost at 2,200,000. Yep. Yeah. But I've I've done that rough rough arithmetic right in my head. Right? So if we were to keep this place as a rental, use the equity to help deposit on the other side, and then what if we're saying this is worth just shy of 1.5 and the places over where we're looking at these similar? That would leave a million gap from the equity, which you'd have to add on as a loan as well. And so it'd be 2.2 finance all up. Is that am I am I mathing that right? That's a scary number. Because then it really makes it this is where negative gearing comes in to help. Right? Because That's alright. Yeah. When you spell it. Which doesn't really leave you any better off even on yeah. Doesn't doesn't really have as much of a net net benefit as what it does right now. Alright? Okay. Yeah. Okay. Yeah. I I mean, I'm I'm just glad this hasn't been wiped out completely with everything going on. I've been checking it every now and again. It's it's sort of bounced down and back up. Yep. Yep. Yep. Is there is there any other any other place of the budget coming through that might need where the sleep is invested to be changed as well? Well, is there anything is there any any accounts or funds there that are real estate that are dependent on anything that could be affected by the budget? Or That that was the that was the that was the original aim. Right? I think we were trying to get to by 60 to be at 4,000,000. Right? That was the that was the hopes and dreams when we started that. Yeah. Yep. Yep. Yeah. No. I I looked at that as well and I still made money, but even with the big chunk that went down, it's good. I go and look at that and go, oh, I wish I wish I could wish I could go and throw that for other stuff now, but I'm like, I need to leave it there. It's like, I'll I'll be home when I retire. I'll just make sure I live that long. No. I think it's just yeah. The the budget sort of threw a spanner in any of our thoughts, but the I think the big takeaway for me at the moment is I I was trying to I was trying to think of creative ways where we could get away with this without having much capital built up behind us at the moment just because we don't have a huge chunk behind us. But what what my takeaway is, and tell me if I'm understanding this right, is there's probably no silver bullet for that with lack of capital. So maybe maybe what we need to think about is how do we get that capital built up. And are there are there other are there other ways apart from trying to scrounge money together that we could use to build capital faster for other terms or other more short term investment vehicles that we can do to build that faster? I mean, it's all gonna come with risk. Right? If it's short term, the only problem. Yep. Yes. Yep. Yep. Yeah. So one one thought I one thought I did have, and this is something I'm gonna probably investigate a little further. At the moment, like, we've we've we've switched most of our everyday banking across to that up bank instead. So they're offering their home loans now for refinance and the rest. But one one option I'm seriously considering is actually pulling our home loan across to that where we have all of our savers set up for the or essentially a digital envelope system right at the end of the day. But all of that's supposed to then count as offset even it doesn't have to be in one account. It's just every if you have in every favor going that way. But have you have you heard anything that's not a good idea about doing that with us at all? Because it's probably the probably the silver silver bullet piece that I can see right now around. That way you can have multiple savers for different things, but they all count as offsets at the same time. Yeah. Alright. K. Thanks, Bob. Reality is the mortgages with ING anyhow. So they're they're not bricks and mortar anyhow. So at least not not in Brisbane. So yeah. So it's just a thought thought I've got at the moment, but that would probably make the most sense to help build that capital sooner, I'd imagine. No. It's just just one off there, and they charge you fees for it. It's I mean, RNG used to be amazing a long time ago when I first opened my account, but it's just yeah. Then they got popular. That's right. And they got popular, and they just started going the way everyone else did. I mean yeah. But where I'm thinking about just shifting all of my banking to somewhere that can handle that because at least gives you a it should give some sort of edge there because at the moment, it's, yeah, not feeling like it any other way. So gotcha. Yeah. Okay. Alright. So we'll put the we'll put the property piece on hold and just try to keep building capital to do something outside of super at the moment. I mean so it's the challenge. Right? As as you keep saying, I'm I'm still quite young. Well, we're still quite young. And while while we're looking good for retirement, it's how do we how how do I get to the point where I feel like I'm actually making that that money that I am actually making? I think that's that's the imposter syndrome that I have half the time. So yeah. Yeah. Some something where we're sitting down to relook at it again. I think it's out of out of the woods with all the main stuff with our daughter and trying to get back on top of everything that yeah. Put everything else up. But yeah. Now pulling out support for them all, and I think half the time we're so exhausted that takeaway can look enticing and try to get ourselves out of that and that that properly because that's where I can see a lot of the money has gone. So then, of course, it's been down as you don't need all these subscriptions. You don't need this, and you don't need that. And so it doesn't matter if little Johnny in school got it as well. But I really really seriously doubt about stripping all of them and just going, no. I need now you need to watch that. You can't even can't even do that because all the Frida Air got streaming. I wanted to do it just to be patient. Just pause anything? The kids just look at us blankly when they're like, what are you talking about? What's the fuck? That's At all good. Okay. Cool. No. That that makes sense. We're sort of back with where it's asking. So I just sort of trying to settle for anything that might have might have been helped with the the low capital problem. Right? It's the end of the the biggest takeaway from you. Well, it almost almost makes it because it almost started to tick more boxes about because I mean, I guess the problem for me at the moment is I'm also an employee. Right? So other structures to help with this before have been, as you said, trust or companies or what have you where it can be set up different ways. But, I mean, while I'm an employee, I can't get paid that way. I'd have to be a contractor and handle other structures that way. But I don't know. Maybe maybe maybe there's other thought because of stuff. Yeah. Yeah. Yeah. Because it it went grayed up, like, doing some stuff. Yep. Okay. No problem. All all good. As as I said, I think I was looking for a unicorn anyhow because it needs a we need the capital saved up as well. It was just yeah. We're moving to a cheaper area. Yeah. That's good. Yeah. I tried tried that a couple of times. I just didn't work. All good. That's it. It's well, it's getting more expensive, so just figure out ways to work with it. So that's Yep. Yep. Sounds good. Yes. I have. Thank you. Yeah. It's actually our thirteenth year wedding anniversary tonight, so we're gonna go we're we're not gonna speaking of saving money really bad, we're gonna go out tonight for dinner. Because the the kids said, oh, we'll have to go out and celebrate because it's your wedding anniversary. Like, we should teach them how to celebrate things like that. So he's gonna go find a gonna go find a pub that does typically free, hopefully. Okay. Thank you. Thank 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Matt speaking. Hello. How are you? A bit wet today, but apart from that yeah.\n\nYeah. I was thinking maybe if we start with where you got to with the super stuff and because Camille was just getting home with the kids at the moment because she was keen to, you know, listen in on thoughts around what we may may not do to weigh up options. Yeah. Yep. Yeah.\n\nCorrect. Yeah. That's correct. But I but that's then being reduced for net with the EV that I've got built in as part of that. So, yeah, I think I gave you the net take home.\n\nYeah. Correct. Oh, Fortnite. Hold on one second. Say that again.\n\nThat sounds like it should be the net amount. I'm just double check. That that could be my total. The number the number doesn't match with what I'm used to seeing. So I'll just I'll just stop at this per second.\n\nWhat? What is that from popcorn when she gets home. No. You're right. $55,733 and 32¢ next.\n\nSorry. So that 8,000 would have been. $733.32 net. Yeah. Correct.\n\nYeah. Yeah. That's fortnightly. Yep. Yeah.\n\nCorrect. Because I think I had I had a pretty long wait to access the people. So so so so good when you like the same. I think about it every day. I mean, let me go.\n\nOh, I need to get that sorted. Yep. Yes. So what what is the financial and medical underwriting? Accountable.\n\nSo medical, they're just getting health checks to make sure they still wanna absorb me, I imagine. What's the financial one? Yep. Okay. How how close would I be to that number already?\n\nIs it What? But I'm but I'm not just looking for a big payout or something like that there. But it but it but it does map what I'm yeah. What my financial side does. Yeah.\n\nOkay. Thanks, Yeah. If you put the option in there about what it looks like just under because I think what if we just go under it just means I'm losing out more on the tax side if something was to occur at and then later. Right? That's that's Yeah.\n\nYes. Correct. Yeah. I was That's part of the thing. Right?\n\nJust making these changes. It'll be Will affect my net cash flow. Right? It's the thing that's in the back of my head as well in finding that balance. A hard one.\n\nYeah. No. That sounds good. Just just standard. Yeah.\n\nThey're still a still a private company, so they're not wanting to give me more than what they have to. Let's does this same time in two weeks look okay for you? Yeah. That's good. No.\n\nPrivate box should be fine. Hold on. That's one second, I think. You know what? No.\n\nThat's what I was gonna say. No. That's that's day doesn't that day. It was the twenty fifth what it was for me. I'm sorry.\n\nHe's just he's just just walking the door, so he's got the side one a second. That's right there. I'm speak doing the decompressing. Watching watching these things after a big big dad too. So as long as they play nice with each other, that'd be fine.\n\nYeah. We're no. We're finding ourselves an interesting thing at the moment, I guess, because I look at I look at how much I'm making and I go, I don't feel like I'm making the amount that I can see on paper at the moment. So I'm trying to figure out options and what else I can do. And looking at it going what's some comment?\n\nYeah. So looking looking at it and just going, okay. I know my soup is very healthy for someone my age, which is great. But but, yeah, it can we're trying to figure out should we be doing anything else and now looking at what comes through the budget that sort of change of thoughts as well. Oh, that's it.\n\nI I I thought about that as well when I heard what they brought out. I'm like, I I I've got a feeling that we'll probably touch on some of those. We'll probably touch on some of those things. Look. And this is this is probably where we're a little bit stuck because we're going we we like the place we're in right now, but just because of the kids' needs, etcetera, we've got them in school on the other side of the of the other side of Brisbane right now because that school does stuff with Auslan and stuff for our daughter.\n\nAnd we like we like where we're living right now, but the the commute backwards and forwards and jumping around that way we're going, would it be easier if we got a pace closer? If I look to go on sale right now, I need to buy in the same market and I probably end up losing money to be fair. It's because it's like for like everywhere. So there's more we think we know the options in our head, but we wanted to go off. I've got I've got financial planning advice and thought through you guys, so I could actually make use of it.\n\nAnd and the So the interesting part is since we bought this place, I mean, it's Brisbane value a lot. So what realestate.com reckons at 1.45, I think it was, when I looked at it just on over the weekend or Friday. And so, I mean, that what we bought 09/20 and we looked at 1.45, that's decent growth. I mean, we've got a we've got a mortgage on it of still 700,000. So that that that chips away.\n\nRight? But the other thing that's happened since we bought was we have got there's been planning changes here that I could potentially go and look at getting the block cutting to because of the rezoning here, or at least it's something I could potentially look into a little bit more, but I don't know how that leaves things open at the same time. Yeah. That's fine. Yeah.\n\nCamille will see yourself. But Hi, Camille. Hi, Camille. Sorry. Please please snap me in my little Yep.\n\nYeah. I'm on the top I'm on the top track at the moment. I'm pretty sure. Well, no. I've got myself back down a little bit by getting the car on there.\n\nThat helps. But yeah. It's Yeah. Sorry. No.\n\nYeah. That's now look. I I think She said you'd have to know family staff. Is that okay? To avoid the taxing fees.\n\nYeah. So so even even if the block was split in two, does does that still require this one to be knocked down? Because it's not Yeah. Because it Yep. Yep.\n\nYeah. So different patients on that in Brisbane anyhow. A lot of people didn't follow the rules, but yeah. Okay. So the so because do many people split the land and then just sell off the second bit of land rather than building?\n\nDoes that ever work out profitable or not really? No. Yeah. Yeah. Because, I mean, I think the originally, the reason we started thinking this way was what if we what if we bought close to the school, but we wanted to we were trying to figure out a way that maybe we can still hold on to the current property because we like the area that it's in to come back to once the kids are out of school or or things like that and bring were there ways to offset that where it wouldn't stretch us too much.\n\nAnd I think that's where we're going, oh, well, could we could we split this one into two and we keep it because we like the location and either sell off or rent off or rent rent out this one that we're in right now and sell off the other one or yeah. Trying to think of where where we can do it where, like, we don't have the 150,000 sitting around. I mean, we've got yeah. What do we got? Probably fluctuates between 5 to 10 depending on what's what's going on with the pit.\n\nBut yeah. Yes. Yeah. Is there is there ways to it's tricky with that budget that came out. Right?\n\nBecause we don't I just don't don't know whether it'll pass or not. It's it's raising a lot of raising a lot of ire all over the place. Plenty of people are commentating on it. But so even if we bought a new place and change this one into an investment, in theory, that would still be hit by the new legislation coming out. Right?\n\nOr if it does yeah. It's a really good record to track how much loss you've got each year. Yeah. No. That makes sense.\n\nJust just out of interest, assuming it does go through, what sort of what's I'm assuming you guys have been doing thinking about what vehicles might be best for, a, reducing taxable income for high income tax owners and and sort of creating those other investment streams outside of properties, seeing negative gearing has been popular for so long. What's the what's the what's the thinking? I'm sure you guys would be busy trying to think up what what happens and because you'd have to be pivoting a lot of people. Right? So what Yeah.\n\nAnd I've hit the truck as well. Yeah. Yep. Yep. Yes.\n\nYeah. I'd imagine they're keeping you on your toes at the moment. It's it's specifically it's typically targeted to hit hit these areas where people have made money, right, at the end of the day. And it's Yeah. Okay.\n\nYeah. So unless unless we're able to find so essentially I I just I'm just just thinking. So if if it I get it that if the bill comes into play, then we gotta assess. And then if the bill comes into play, then it would be financially, our best thing would be to knock down and build two properties or something like that or rent and then take losses. But if the bill what I'm just curious.\n\nIf the bill doesn't come through, what would be what would be the smartest financial move for us if we wanna, like if things don't just out of here. What's the most financially smart option for, like, financially in the future sort of thing? Or Yep. It'll all just be dependent on what what banks will take for serviceability and betting that you're not gonna be empty tenants and all the rest. Right?\n\nThat's where the risk comes in the benefit. And remind me, if we if we pull equity out of this place to go and buy another one, does that that equity that I pull out then goes on to this loan normally, right, which would then click into investment? Yep. Yeah. That's right.\n\nSo so this place, for example, what the current mortgage is sitting at 700, but the the the rough value at the moment is what? 1.45. So it's the 8080% difference of 1.45 take 700. Right? So so you'd be looking at what's 80%?\n\nWhat what's 80% of 700? Yeah. I don't mind. My mind just froze as well. My brain just froze thinking about it as well.\n\nYeah. Yeah. So it still ends up being a a pretty hefty loan on the other side depending on how much things cost as well. Right? So probably best bet at the moment would be to keep saving, scurrying things away.\n\nOr if if the commute does get too hard, it's probably better off just selling this place than buying somewhere new because otherwise, probably gonna be you won't necessarily be buying something bigger on the on the other side. Yep. Reason I say bigger doesn't mean bigger, like, looking at stuff. So context where we'd be looking the houses of similar value where we'd be wanting to move into. So, yeah, it's not what I was thinking.\n\nIf you get if you get an equity if you get an equity loan here I mean, equity loans still charge at your normal interest rate, right, depending on the outcome. And then sorry. What So you'd be going 700. That's in one point. If you have the 500 on, you're going another one.\n\nThat's 1.2, and then you're probably looking all up. Yeah. You'd need to be almost another million be almost at 2,200,000. Yep. Yeah.\n\nBut I've I've done that rough rough arithmetic right in my head. Right? So if we were to keep this place as a rental, use the equity to help deposit on the other side, and then what if we're saying this is worth just shy of 1.5 and the places over where we're looking at these similar? That would leave a million gap from the equity, which you'd have to add on as a loan as well. And so it'd be 2.2 finance all up.\n\nIs that am I am I mathing that right? That's a scary number. Because then it really makes it this is where negative gearing comes in to help. Right? Because That's alright.\n\nYeah. When you spell it. Which doesn't really leave you any better off even on yeah. Doesn't doesn't really have as much of a net net benefit as what it does right now. Alright?\n\nOkay. Yeah. Okay. Yeah. I I mean, I'm I'm just glad this hasn't been wiped out completely with everything going on.\n\nI've been checking it every now and again. It's it's sort of bounced down and back up. Yep. Yep. Yep.\n\nIs there is there any other any other place of the budget coming through that might need where the sleep is invested to be changed as well? Well, is there anything is there any any accounts or funds there that are real estate that are dependent on anything that could be affected by the budget? Or That that was the that was the that was the original aim. Right? I think we were trying to get to by 60 to be at 4,000,000.\n\nRight? That was the that was the hopes and dreams when we started that. Yeah. Yep. Yep.\n\nYeah. No. I I looked at that as well and I still made money, but even with the big chunk that went down, it's good. I go and look at that and go, oh, I wish I wish I could wish I could go and throw that for other stuff now, but I'm like, I need to leave it there. It's like, I'll I'll be home when I retire.\n\nI'll just make sure I live that long. No. I think it's just yeah. The the budget sort of threw a spanner in any of our thoughts, but the I think the big takeaway for me at the moment is I I was trying to I was trying to think of creative ways where we could get away with this without having much capital built up behind us at the moment just because we don't have a huge chunk behind us. But what what my takeaway is, and tell me if I'm understanding this right, is there's probably no silver bullet for that with lack of capital.\n\nSo maybe maybe what we need to think about is how do we get that capital built up. And are there are there other are there other ways apart from trying to scrounge money together that we could use to build capital faster for other terms or other more short term investment vehicles that we can do to build that faster? I mean, it's all gonna come with risk. Right? If it's short term, the only problem.\n\nYep. Yes. Yep. Yep. Yeah.\n\nSo one one thought I one thought I did have, and this is something I'm gonna probably investigate a little further. At the moment, like, we've we've we've switched most of our everyday banking across to that up bank instead. So they're offering their home loans now for refinance and the rest. But one one option I'm seriously considering is actually pulling our home loan across to that where we have all of our savers set up for the or essentially a digital envelope system right at the end of the day. But all of that's supposed to then count as offset even it doesn't have to be in one account.\n\nIt's just every if you have in every favor going that way. But have you have you heard anything that's not a good idea about doing that with us at all? Because it's probably the probably the silver silver bullet piece that I can see right now around. That way you can have multiple savers for different things, but they all count as offsets at the same time. Yeah.\n\nAlright. K. Thanks, Bob. Reality is the mortgages with ING anyhow. So they're they're not bricks and mortar anyhow.\n\nSo at least not not in Brisbane. So yeah. So it's just a thought thought I've got at the moment, but that would probably make the most sense to help build that capital sooner, I'd imagine. No. It's just just one off there, and they charge you fees for it.\n\nIt's I mean, RNG used to be amazing a long time ago when I first opened my account, but it's just yeah. Then they got popular. That's right. And they got popular, and they just started going the way everyone else did. I mean yeah.\n\nBut where I'm thinking about just shifting all of my banking to somewhere that can handle that because at least gives you a it should give some sort of edge there because at the moment, it's, yeah, not feeling like it any other way. So gotcha. Yeah. Okay. Alright.\n\nSo we'll put the we'll put the property piece on hold and just try to keep building capital to do something outside of super at the moment. I mean so it's the challenge. Right? As as you keep saying, I'm I'm still quite young. Well, we're still quite young.\n\nAnd while while we're looking good for retirement, it's how do we how how do I get to the point where I feel like I'm actually making that that money that I am actually making? I think that's that's the imposter syndrome that I have half the time. So yeah. Yeah. Some something where we're sitting down to relook at it again.\n\nI think it's out of out of the woods with all the main stuff with our daughter and trying to get back on top of everything that yeah. Put everything else up. But yeah. Now pulling out support for them all, and I think half the time we're so exhausted that takeaway can look enticing and try to get ourselves out of that and that that properly because that's where I can see a lot of the money has gone. So then, of course, it's been down as you don't need all these subscriptions.\n\nYou don't need this, and you don't need that. And so it doesn't matter if little Johnny in school got it as well. But I really really seriously doubt about stripping all of them and just going, no. I need now you need to watch that. You can't even can't even do that because all the Frida Air got streaming.\n\nI wanted to do it just to be patient. Just pause anything? The kids just look at us blankly when they're like, what are you talking about? What's the fuck? That's At all good.\n\nOkay. Cool. No. That that makes sense. We're sort of back with where it's asking.\n\nSo I just sort of trying to settle for anything that might have might have been helped with the the low capital problem. Right? It's the end of the the biggest takeaway from you. Well, it almost almost makes it because it almost started to tick more boxes about because I mean, I guess the problem for me at the moment is I'm also an employee. Right?\n\nSo other structures to help with this before have been, as you said, trust or companies or what have you where it can be set up different ways. But, I mean, while I'm an employee, I can't get paid that way. I'd have to be a contractor and handle other structures that way. But I don't know. Maybe maybe maybe there's other thought because of stuff.\n\nYeah. Yeah. Yeah. Because it it went grayed up, like, doing some stuff. Yep.\n\nOkay. No problem. All all good. As as I said, I think I was looking for a unicorn anyhow because it needs a we need the capital saved up as well. It was just yeah.\n\nWe're moving to a cheaper area. Yeah. That's good. Yeah. I tried tried that a couple of times.\n\nI just didn't work. All good. That's it. It's well, it's getting more expensive, so just figure out ways to work with it. So that's Yep.\n\nYep. Sounds good. Yes. I have. Thank you.\n\nYeah. It's actually our thirteenth year wedding anniversary tonight, so we're gonna go we're we're not gonna speaking of saving money really bad, we're gonna go out tonight for dinner. Because the the kids said, oh, we'll have to go out and celebrate because it's your wedding anniversary. Like, we should teach them how to celebrate things like that. So he's gonna go find a gonna go find a pub that does typically free, hopefully.\n\nOkay. Thank you. Thank you.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.0382523313164711},{"text":"Matt speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.030380932614207268},{"text":"Hello.","start":5.68,"end":6.0,"sentiment":"neutral","sentiment_score":0.19471149146556857},{"text":"How are you?","start":6.0,"end":6.74,"sentiment":"neutral","sentiment_score":0.2290667196114858},{"text":"A bit wet today, but apart from that yeah.","start":8.799999,"end":14.325,"sentiment":"neutral","sentiment_score":-0.017850250833564334}],"sentiment":"neutral","sentiment_score":0.051267099333927035,"num_words":16,"start":0.56,"end":14.325},{"sentences":[{"text":"Yeah.","start":24.404999,"end":24.904999,"sentiment":"neutral","sentiment_score":0.026102613657712936},{"text":"I was thinking maybe if we start with where you got to with the super stuff and because Camille was just getting home with the kids at the moment because she was keen to, you know, listen in on thoughts around what we may may not do to weigh up options.","start":24.965,"end":39.579998,"sentiment":"neutral","sentiment_score":0.018037358645861055},{"text":"Yeah.","start":39.8,"end":40.3,"sentiment":"neutral","sentiment_score":-0.009199985302984716},{"text":"Yep.","start":50.425,"end":50.925,"sentiment":"neutral","sentiment_score":0.01930701360106468},{"text":"Yeah.","start":52.505,"end":52.985,"sentiment":"neutral","sentiment_score":0.04327902942895889}],"sentiment":"neutral","sentiment_score":0.018170799314975738,"num_words":55,"start":24.404999,"end":52.985},{"sentences":[{"text":"Correct.","start":52.985,"end":53.485,"sentiment":"neutral","sentiment_score":0.08751954883337021},{"text":"Yeah.","start":58.579998,"end":58.82,"sentiment":"neutral","sentiment_score":0.027066798880696297},{"text":"That's correct.","start":58.82,"end":59.46,"sentiment":"neutral","sentiment_score":0.050390832126140594},{"text":"But I but that's then being reduced for net with the EV that I've got built in as part of that.","start":59.46,"end":67.299995,"sentiment":"neutral","sentiment_score":-0.012653521661247526},{"text":"So, yeah, I think I gave you the net take home.","start":67.299995,"end":70.04,"sentiment":"neutral","sentiment_score":0.031714393672617996}],"sentiment":"neutral","sentiment_score":0.008291732985526323,"num_words":36,"start":52.985,"end":70.04},{"sentences":[{"text":"Yeah.","start":77.915,"end":78.235,"sentiment":"neutral","sentiment_score":0.02254696562886238},{"text":"Correct.","start":78.235,"end":78.735,"sentiment":"neutral","sentiment_score":0.021527454257011417},{"text":"Oh, Fortnite.","start":83.7,"end":83.78,"sentiment":"neutral","sentiment_score":0.015414932742714882},{"text":"Hold on one second.","start":83.78,"end":84.58,"sentiment":"neutral","sentiment_score":-0.0035635705571621656},{"text":"Say that again.","start":84.58,"end":85.479996,"sentiment":"neutral","sentiment_score":0.015626865128676098}],"sentiment":"neutral","sentiment_score":0.009775508957153017,"num_words":11,"start":77.915,"end":85.479996},{"sentences":[{"text":"That sounds like it should be the net amount.","start":93.86,"end":95.78,"sentiment":"neutral","sentiment_score":-0.003967933563722504},{"text":"I'm just double check.","start":95.78,"end":97.64,"sentiment":"neutral","sentiment_score":-0.0004827797723692129},{"text":"That that could be my total.","start":100.515,"end":101.895,"sentiment":"neutral","sentiment_score":0.038182565942406654},{"text":"The number the number doesn't match with what I'm used to seeing.","start":102.915,"end":105.494995,"sentiment":"neutral","sentiment_score":-0.12869848993917307},{"text":"So I'll just I'll just stop at this per second.","start":105.555,"end":107.975,"sentiment":"neutral","sentiment_score":-0.02803875207901001}],"sentiment":"neutral","sentiment_score":-0.03983698842850528,"num_words":41,"start":93.86,"end":107.975},{"sentences":[{"text":"What?","start":110.115,"end":110.195,"sentiment":"neutral","sentiment_score":-0.011335705406963823},{"text":"What is that from popcorn when she gets home.","start":110.195,"end":114.93,"sentiment":"neutral","sentiment_score":-0.004868818860914972},{"text":"No.","start":116.51,"end":116.670006,"sentiment":"neutral","sentiment_score":-0.12706321477890015},{"text":"You're right.","start":116.670006,"end":117.07,"sentiment":"neutral","sentiment_score":-0.06687981076538563},{"text":"$55,733 and 32¢ next.","start":117.07,"end":121.57,"sentiment":"neutral","sentiment_score":-0.02158695086836815}],"sentiment":"neutral","sentiment_score":-0.0237961727543734,"num_words":17,"start":110.115,"end":121.57},{"sentences":[{"text":"Sorry.","start":121.630005,"end":122.11,"sentiment":"neutral","sentiment_score":-0.12094789743423462},{"text":"So that 8,000 would have been.","start":122.11,"end":124.130005,"sentiment":"neutral","sentiment_score":-0.10599254133800666},{"text":"$733.32 net.","start":131.925,"end":135.065,"sentiment":"neutral","sentiment_score":0.008567435666918755},{"text":"Yeah.","start":142.27,"end":142.43,"sentiment":"neutral","sentiment_score":0.04690705984830856},{"text":"Correct.","start":142.43,"end":142.93,"sentiment":"neutral","sentiment_score":0.07909609377384186}],"sentiment":"neutral","sentiment_score":-0.05579682913693515,"num_words":11,"start":121.630005,"end":142.93},{"sentences":[{"text":"Yeah.","start":143.06999,"end":143.56999,"sentiment":"neutral","sentiment_score":0.08211097866296768},{"text":"Yeah.","start":146.03,"end":146.34999,"sentiment":"neutral","sentiment_score":0.09938481450080872},{"text":"That's fortnightly.","start":146.34999,"end":147.09,"sentiment":"neutral","sentiment_score":0.14262761175632477},{"text":"Yep.","start":178.56,"end":179.06,"sentiment":"neutral","sentiment_score":0.04319676011800766},{"text":"Yeah.","start":211.37,"end":211.69,"sentiment":"neutral","sentiment_score":0.05902954190969467}],"sentiment":"neutral","sentiment_score":0.0948295531173547,"num_words":6,"start":143.06999,"end":211.69},{"sentences":[{"text":"Correct.","start":211.69,"end":212.09,"sentiment":"neutral","sentiment_score":0.06883417069911957},{"text":"Because I think I had I had a pretty long wait to access the people.","start":212.09,"end":216.72499,"sentiment":"neutral","sentiment_score":-0.05604795552790165},{"text":"So so so so good when you like the same.","start":216.86499,"end":221.265,"sentiment":"neutral","sentiment_score":0.3166642665863037},{"text":"I think about it every day.","start":221.265,"end":223.58499,"sentiment":"neutral","sentiment_score":-0.03290757195403179},{"text":"I mean, let me go.","start":223.58499,"end":224.385,"sentiment":"neutral","sentiment_score":-0.03176282346248627}],"sentiment":"neutral","sentiment_score":0.05509453931370297,"num_words":37,"start":211.69,"end":224.385},{"sentences":[{"text":"Oh, I need to get that sorted.","start":224.385,"end":225.765,"sentiment":"neutral","sentiment_score":-0.06959073564835958},{"text":"Yep.","start":275.185,"end":275.685,"sentiment":"neutral","sentiment_score":0.0761471688747406},{"text":"Yes.","start":285.94998,"end":286.27,"sentiment":"neutral","sentiment_score":0.025427324697375298},{"text":"So what what is the financial and medical underwriting?","start":286.27,"end":289.00998,"sentiment":"neutral","sentiment_score":-0.010331578759683503},{"text":"Accountable.","start":290.43,"end":290.93,"sentiment":"neutral","sentiment_score":0.0014053707709535956}],"sentiment":"neutral","sentiment_score":-0.02511260494908416,"num_words":19,"start":224.385,"end":290.93},{"sentences":[{"text":"So medical, they're just getting health checks to make sure they still wanna absorb me, I imagine.","start":290.99,"end":296.465,"sentiment":"neutral","sentiment_score":0.002792892758460606},{"text":"What's the financial one?","start":296.465,"end":297.765,"sentiment":"neutral","sentiment_score":-0.0009046720806509256},{"text":"Yep.","start":338.20502,"end":338.70502,"sentiment":"neutral","sentiment_score":0.1543707400560379},{"text":"Okay.","start":339.16,"end":339.66,"sentiment":"neutral","sentiment_score":0.11445074528455734},{"text":"How how close would I be to that number already?","start":340.2,"end":343.26,"sentiment":"neutral","sentiment_score":0.11978178098797798}],"sentiment":"neutral","sentiment_score":0.04577272072095762,"num_words":33,"start":290.99,"end":343.26},{"sentences":[{"text":"Is it What?","start":343.88,"end":346.3,"sentiment":"neutral","sentiment_score":0.062045725683371224},{"text":"But I'm but I'm not just looking for a big payout or something like that there.","start":392.18503,"end":395.61,"sentiment":"neutral","sentiment_score":-0.09947515034582466},{"text":"But it but it but it does map what I'm yeah.","start":396.09,"end":399.61,"sentiment":"neutral","sentiment_score":0.09669242189689116},{"text":"What my financial side does.","start":399.61,"end":401.68997,"sentiment":"neutral","sentiment_score":0.05034990459680557},{"text":"Yeah.","start":401.68997,"end":401.93,"sentiment":"neutral","sentiment_score":0.100347101688385}],"sentiment":"neutral","sentiment_score":0.00028466769597596556,"num_words":36,"start":343.88,"end":401.93},{"sentences":[{"text":"Okay.","start":401.93,"end":402.43,"sentiment":"neutral","sentiment_score":0.21966612339019775},{"text":"Thanks, Yeah.","start":403.12997,"end":416.095,"sentiment":"neutral","sentiment_score":0.19677347131073475},{"text":"If you put the option in there about what it looks like just under because I think what if we just go under it just means I'm losing out more on the tax side if something was to occur at and then later.","start":416.095,"end":428.55002,"sentiment":"neutral","sentiment_score":-0.1490623232323763},{"text":"Right?","start":428.55002,"end":428.87,"sentiment":"neutral","sentiment_score":0.027335144579410553},{"text":"That's that's Yeah.","start":428.87,"end":443.17502,"sentiment":"neutral","sentiment_score":0.03643528123696645}],"sentiment":"neutral","sentiment_score":-0.11319651689380407,"num_words":50,"start":401.93,"end":443.17502},{"sentences":[{"text":"Yes.","start":452.755,"end":453.15503,"sentiment":"neutral","sentiment_score":-0.014824481680989264},{"text":"Correct.","start":453.15503,"end":453.65503,"sentiment":"neutral","sentiment_score":-0.03400690108537674},{"text":"Yeah.","start":457.31,"end":457.63,"sentiment":"neutral","sentiment_score":-0.020741768181324005},{"text":"I was That's part of the thing.","start":457.63,"end":459.23,"sentiment":"neutral","sentiment_score":-0.04349579981395176},{"text":"Right?","start":459.23,"end":459.47,"sentiment":"neutral","sentiment_score":-0.01557004265487194}],"sentiment":"neutral","sentiment_score":-0.035419435663656754,"num_words":11,"start":452.755,"end":459.47},{"sentences":[{"text":"Just making these changes.","start":459.47,"end":460.59,"sentiment":"neutral","sentiment_score":-0.10198411531746387},{"text":"It'll be Will affect my net cash flow.","start":460.59,"end":463.63,"sentiment":"neutral","sentiment_score":-0.1358005991205573},{"text":"Right?","start":463.63,"end":463.87,"sentiment":"neutral","sentiment_score":-0.05085451528429985},{"text":"It's the thing that's in the back of my head as well in finding that balance.","start":463.87,"end":466.77,"sentiment":"neutral","sentiment_score":0.05934490798972547},{"text":"A hard one.","start":467.685,"end":469.54498,"sentiment":"neutral","sentiment_score":-0.11442120994130771}],"sentiment":"neutral","sentiment_score":-0.029341902234591544,"num_words":32,"start":459.47,"end":469.54498},{"sentences":[{"text":"Yeah.","start":489.7,"end":489.94,"sentiment":"neutral","sentiment_score":0.07369940727949142},{"text":"No.","start":489.94,"end":490.1,"sentiment":"neutral","sentiment_score":0.10471398383378984},{"text":"That sounds good.","start":490.1,"end":491.16,"sentiment":"neutral","sentiment_score":0.3027947048346202},{"text":"Just just standard.","start":515.2,"end":516.33997,"sentiment":"neutral","sentiment_score":0.0032617971301078796},{"text":"Yeah.","start":516.4,"end":516.64,"sentiment":"neutral","sentiment_score":-0.011556662619113922}],"sentiment":"neutral","sentiment_score":0.1205584704875946,"num_words":9,"start":489.7,"end":516.64},{"sentences":[{"text":"They're still a still a private company, so they're not wanting to give me more than what they have to.","start":516.64,"end":520.755,"sentiment":"neutral","sentiment_score":-0.060360348969697955},{"text":"Let's does this same time in two weeks look okay for you?","start":541.81,"end":546.63,"sentiment":"neutral","sentiment_score":0.06173510414858659},{"text":"Yeah.","start":556.73505,"end":556.97504,"sentiment":"neutral","sentiment_score":0.031997404992580414},{"text":"That's good.","start":556.97504,"end":557.79504,"sentiment":"neutral","sentiment_score":0.0613466277718544},{"text":"No.","start":560.09503,"end":560.17505,"sentiment":"neutral","sentiment_score":-0.015933243557810783}],"sentiment":"neutral","sentiment_score":-0.009100786462012265,"num_words":36,"start":516.64,"end":560.17505},{"sentences":[{"text":"Private box should be fine.","start":560.17505,"end":561.615,"sentiment":"neutral","sentiment_score":-0.009377053380012513},{"text":"Hold on.","start":561.615,"end":562.015,"sentiment":"neutral","sentiment_score":-0.009916586801409721},{"text":"That's one second, I think.","start":562.015,"end":564.115,"sentiment":"neutral","sentiment_score":0.005020568519830704},{"text":"You know what?","start":565.35,"end":566.65,"sentiment":"neutral","sentiment_score":-0.043334453056255974},{"text":"No.","start":570.55,"end":570.79,"sentiment":"neutral","sentiment_score":-0.14213591814041138}],"sentiment":"neutral","sentiment_score":-0.019609679700806737,"num_words":16,"start":560.17505,"end":570.79},{"sentences":[{"text":"That's what I was gonna say.","start":570.79,"end":572.07,"sentiment":"neutral","sentiment_score":-0.15419532855351767},{"text":"No.","start":572.07,"end":572.31,"sentiment":"neutral","sentiment_score":-0.05078594014048576},{"text":"That's that's day doesn't that day.","start":572.31,"end":574.23,"sentiment":"neutral","sentiment_score":-0.23254538079102835},{"text":"It was the twenty fifth what it was for me.","start":574.23,"end":576.25,"sentiment":"neutral","sentiment_score":-0.1093701459467411},{"text":"I'm sorry.","start":596.59,"end":597.65,"sentiment":"neutral","sentiment_score":0.17575794458389282}],"sentiment":"neutral","sentiment_score":-0.12453663066029548,"num_words":25,"start":570.79,"end":597.65},{"sentences":[{"text":"He's just he's just just walking the door, so he's got the side one a second.","start":608.27496,"end":623.33496,"sentiment":"neutral","sentiment_score":0.026108400197699666},{"text":"That's right there.","start":632.19,"end":632.99,"sentiment":"neutral","sentiment_score":0.12120561550060908},{"text":"I'm speak doing the decompressing.","start":632.99,"end":635.49,"sentiment":"neutral","sentiment_score":0.08885217905044555},{"text":"Watching watching these things after a big big dad too.","start":636.43,"end":639.845,"sentiment":"neutral","sentiment_score":0.09571894444525242},{"text":"So as long as they play nice with each other, that'd be fine.","start":640.385,"end":645.045,"sentiment":"neutral","sentiment_score":0.23521994627439058}],"sentiment":"neutral","sentiment_score":0.11150342321142237,"num_words":47,"start":608.27496,"end":645.045},{"sentences":[{"text":"Yeah.","start":649.505,"end":649.665,"sentiment":"neutral","sentiment_score":-0.0161318127065897},{"text":"We're no.","start":649.665,"end":651.04004,"sentiment":"neutral","sentiment_score":-0.10202129557728767},{"text":"We're finding ourselves an interesting thing at the moment, I guess, because I look at I look at how much I'm making and I go, I don't feel like I'm making the amount that I can see on paper at the moment.","start":651.04004,"end":663.96497,"sentiment":"neutral","sentiment_score":-0.13382832049613907},{"text":"So I'm trying to figure out options and what else I can do.","start":664.425,"end":669.08496,"sentiment":"neutral","sentiment_score":0.02030051972430486},{"text":"And looking at it going what's some comment?","start":671.305,"end":676.045,"sentiment":"neutral","sentiment_score":0.014619502588175237}],"sentiment":"neutral","sentiment_score":-0.08272880435723698,"num_words":66,"start":649.505,"end":676.045},{"sentences":[{"text":"Yeah.","start":680.54,"end":680.86,"sentiment":"neutral","sentiment_score":0.0431688129901886},{"text":"So looking looking at it and just going, okay.","start":680.86,"end":683.12,"sentiment":"neutral","sentiment_score":0.08004414869679345},{"text":"I know my soup is very healthy for someone my age, which is great.","start":683.57996,"end":687.36,"sentiment":"positive","sentiment_score":0.3862355330160686},{"text":"But but, yeah, it can we're trying to figure out should we be doing anything else and now looking at what comes through the budget that sort of change of thoughts as well.","start":689.01996,"end":698.445,"sentiment":"neutral","sentiment_score":0.05082201051779769},{"text":"Oh, that's it.","start":709.44,"end":710.16,"sentiment":"neutral","sentiment_score":0.01062351930886507}],"sentiment":"neutral","sentiment_score":0.13133100864167016,"num_words":60,"start":680.54,"end":710.16},{"sentences":[{"text":"I I I thought about that as well when I heard what they brought out.","start":710.16,"end":713.6,"sentiment":"neutral","sentiment_score":0.05722360610961914},{"text":"I'm like, I I I've got a feeling that we'll probably touch on some of those.","start":713.6,"end":717.45996,"sentiment":"neutral","sentiment_score":0.0577352128457278},{"text":"We'll probably touch on some of those things.","start":717.6,"end":719.45996,"sentiment":"neutral","sentiment_score":0.027523664757609367},{"text":"Look.","start":743.1,"end":743.6,"sentiment":"neutral","sentiment_score":0.013751162216067314},{"text":"And this is this is probably where we're a little bit stuck because we're going we we like the place we're in right now, but just because of the kids' needs, etcetera, we've got them in school on the other side of the of the other side of Brisbane right now because that school does stuff with Auslan and stuff for our daughter.","start":743.66,"end":766.25,"sentiment":"neutral","sentiment_score":0.09979029738950351}],"sentiment":"neutral","sentiment_score":0.08061016226205432,"num_words":103,"start":710.16,"end":766.25},{"sentences":[{"text":"And we like we like where we're living right now, but the the commute backwards and forwards and jumping around that way we're going, would it be easier if we got a pace closer?","start":766.25,"end":780.035,"sentiment":"neutral","sentiment_score":0.13767965883016586},{"text":"If I look to go on sale right now, I need to buy in the same market and I probably end up losing money to be fair.","start":780.815,"end":786.975,"sentiment":"neutral","sentiment_score":-0.23762734399901497},{"text":"It's because it's like for like everywhere.","start":786.975,"end":789.695,"sentiment":"neutral","sentiment_score":-0.07176137449485916},{"text":"So there's more we think we know the options in our head, but we wanted to go off.","start":789.695,"end":796.12,"sentiment":"neutral","sentiment_score":-0.050962710132201515},{"text":"I've got I've got financial planning advice and thought through you guys, so I could actually make use of it.","start":797.78,"end":804.52,"sentiment":"neutral","sentiment_score":0.11125470763072372}],"sentiment":"neutral","sentiment_score":-0.00876786923563143,"num_words":106,"start":766.25,"end":804.52},{"sentences":[{"text":"And and the So the interesting part is since we bought this place, I mean, it's Brisbane value a lot.","start":804.82,"end":816.76495,"sentiment":"neutral","sentiment_score":0.11505459845066071},{"text":"So what realestate.com reckons at 1.45, I think it was, when I looked at it just on over the weekend or Friday.","start":816.76495,"end":827.53,"sentiment":"neutral","sentiment_score":0.13209214806556702},{"text":"And so, I mean, that what we bought 09/20 and we looked at 1.45, that's decent growth.","start":828.07,"end":838.465,"sentiment":"neutral","sentiment_score":0.3059310842962826},{"text":"I mean, we've got a we've got a mortgage on it of still 700,000.","start":838.465,"end":842.965,"sentiment":"neutral","sentiment_score":0.1283204300062997},{"text":"So that that that chips away.","start":843.025,"end":845.745,"sentiment":"neutral","sentiment_score":0.027778397624691326}],"sentiment":"neutral","sentiment_score":0.15659625399150426,"num_words":79,"start":804.82,"end":845.745},{"sentences":[{"text":"Right?","start":845.745,"end":845.985,"sentiment":"neutral","sentiment_score":0.06571420282125473},{"text":"But the other thing that's happened since we bought was we have got there's been planning changes here that I could potentially go and look at getting the block cutting to because of the rezoning here, or at least it's something I could potentially look into a little bit more, but I don't know how that leaves things open at the same time.","start":845.985,"end":870.245,"sentiment":"neutral","sentiment_score":-0.07434862464045484},{"text":"Yeah.","start":944.805,"end":945.045,"sentiment":"neutral","sentiment_score":0.06893162429332733},{"text":"That's fine.","start":945.045,"end":945.365,"sentiment":"neutral","sentiment_score":0.1473999172449112},{"text":"Yeah.","start":945.365,"end":945.605,"sentiment":"neutral","sentiment_score":0.12665197253227234}],"sentiment":"neutral","sentiment_score":-0.06070390762076439,"num_words":68,"start":845.745,"end":945.605},{"sentences":[{"text":"Camille will see yourself.","start":945.605,"end":946.485,"sentiment":"neutral","sentiment_score":0.09221957810223103},{"text":"But Hi, Camille.","start":946.485,"end":947.445,"sentiment":"neutral","sentiment_score":0.14658947785695395},{"text":"Hi, Camille.","start":947.445,"end":948.185,"sentiment":"neutral","sentiment_score":0.1819436326622963},{"text":"Sorry.","start":949.045,"end":949.445,"sentiment":"neutral","sentiment_score":-0.012291036546230316},{"text":"Please please snap me in my little Yep.","start":949.445,"end":1035.0349,"sentiment":"neutral","sentiment_score":-0.034905778884422034}],"sentiment":"neutral","sentiment_score":0.04894426353793177,"num_words":18,"start":945.605,"end":1035.0349},{"sentences":[{"text":"Yeah.","start":1286.7101,"end":1287.2101,"sentiment":"neutral","sentiment_score":0.04359672591090202},{"text":"I'm on the top I'm on the top track at the moment.","start":1288.03,"end":1291.5901,"sentiment":"neutral","sentiment_score":0.16544139261047044},{"text":"I'm pretty sure.","start":1291.5901,"end":1292.15,"sentiment":"neutral","sentiment_score":0.11438978215058644},{"text":"Well, no.","start":1292.15,"end":1292.79,"sentiment":"neutral","sentiment_score":-0.14265694096684456},{"text":"I've got myself back down a little bit by getting the car on there.","start":1292.79,"end":1295.67,"sentiment":"neutral","sentiment_score":-0.2642887085676193}],"sentiment":"neutral","sentiment_score":-0.05041540681850165,"num_words":32,"start":1286.7101,"end":1295.67},{"sentences":[{"text":"That helps.","start":1295.67,"end":1296.2301,"sentiment":"neutral","sentiment_score":0.002035146579146385},{"text":"But yeah.","start":1296.2301,"end":1301.4501,"sentiment":"neutral","sentiment_score":-0.034036049619317055},{"text":"It's Yeah.","start":1301.905,"end":1307.835,"sentiment":"neutral","sentiment_score":-0.03643516916781664},{"text":"Sorry.","start":1307.835,"end":1308.335,"sentiment":"neutral","sentiment_score":-0.2286255955696106},{"text":"No.","start":1410.61,"end":1411.11,"sentiment":"neutral","sentiment_score":-0.1403922587633133}],"sentiment":"neutral","sentiment_score":-0.06323624984361231,"num_words":8,"start":1295.67,"end":1411.11},{"sentences":[{"text":"Yeah.","start":1425.9,"end":1426.2201,"sentiment":"neutral","sentiment_score":0.10064487159252168},{"text":"That's now look.","start":1426.2201,"end":1427.5,"sentiment":"neutral","sentiment_score":0.09752402454614639},{"text":"I I think She said you'd have to know family staff.","start":1427.5,"end":1429.5801,"sentiment":"neutral","sentiment_score":-0.011507656933231787},{"text":"Is that okay?","start":1429.5801,"end":1430.8,"sentiment":"neutral","sentiment_score":0.015177049984534584},{"text":"To avoid the taxing fees.","start":1432.06,"end":1434.4,"sentiment":"neutral","sentiment_score":-0.1420261561870575}],"sentiment":"neutral","sentiment_score":-0.017302909218098805,"num_words":23,"start":1425.9,"end":1434.4},{"sentences":[{"text":"Yeah.","start":1434.4601,"end":1434.78,"sentiment":"neutral","sentiment_score":0.031593263149261475},{"text":"So so even even if the block was split in two, does does that still require this one to be knocked down?","start":1434.78,"end":1441.715,"sentiment":"neutral","sentiment_score":-0.06666916625743563},{"text":"Because it's not Yeah.","start":1441.715,"end":1444.275,"sentiment":"neutral","sentiment_score":-0.11636177636682987},{"text":"Because it Yep.","start":1444.275,"end":1490.04,"sentiment":"neutral","sentiment_score":0.04638372485836347},{"text":"Yep.","start":1529.775,"end":1530.275,"sentiment":"neutral","sentiment_score":-0.09594513475894928}],"sentiment":"neutral","sentiment_score":-0.05991514387630647,"num_words":31,"start":1434.4601,"end":1530.275},{"sentences":[{"text":"Yeah.","start":1541.29,"end":1541.79,"sentiment":"neutral","sentiment_score":-0.07487981021404266},{"text":"So different patients on that in Brisbane anyhow.","start":1541.85,"end":1544.25,"sentiment":"neutral","sentiment_score":-0.1141947628930211},{"text":"A lot of people didn't follow the rules, but yeah.","start":1544.25,"end":1547.24,"sentiment":"neutral","sentiment_score":-0.22911075353622437},{"text":"Okay.","start":1556.035,"end":1556.355,"sentiment":"neutral","sentiment_score":-0.037001729011535645},{"text":"So the so because do many people split the land and then just sell off the second bit of land rather than building?","start":1556.355,"end":1566.355,"sentiment":"neutral","sentiment_score":-0.0598548476624748}],"sentiment":"neutral","sentiment_score":-0.10914438776671886,"num_words":43,"start":1541.29,"end":1566.355},{"sentences":[{"text":"Does that ever work out profitable or not really?","start":1566.355,"end":1568.855,"sentiment":"neutral","sentiment_score":-0.05078361431757609},{"text":"No.","start":1584.34,"end":1584.84,"sentiment":"neutral","sentiment_score":-0.11538388580083848},{"text":"Yeah.","start":1712.0651,"end":1712.5651,"sentiment":"neutral","sentiment_score":-0.14029890298843384},{"text":"Yeah.","start":1720.64,"end":1721.14,"sentiment":"neutral","sentiment_score":-0.0778937116265297},{"text":"Because, I mean, I think the originally, the reason we started thinking this way was what if we what if we bought close to the school, but we wanted to we were trying to figure out a way that maybe we can still hold on to the current property because we like the area that it's in to come back to once the kids are out of school or or things like that and bring were there ways to offset that where it wouldn't stretch us too much.","start":1721.28,"end":1749.3899,"sentiment":"neutral","sentiment_score":0.0872358552349562}],"sentiment":"neutral","sentiment_score":0.06886126231402159,"num_words":100,"start":1566.355,"end":1749.3899},{"sentences":[{"text":"And I think that's where we're going, oh, well, could we could we split this one into two and we keep it because we like the location and either sell off or rent off or rent rent out this one that we're in right now and sell off the other one or yeah.","start":1749.3899,"end":1765.5751,"sentiment":"neutral","sentiment_score":0.25744228402398667},{"text":"Trying to think of where where we can do it where, like, we don't have the 150,000 sitting around.","start":1765.5751,"end":1771.175,"sentiment":"neutral","sentiment_score":0.015072967661054511},{"text":"I mean, we've got yeah.","start":1771.175,"end":1773.735,"sentiment":"neutral","sentiment_score":-0.017690637335181236},{"text":"What do we got?","start":1773.735,"end":1774.4551,"sentiment":"neutral","sentiment_score":-0.03005708334967494},{"text":"Probably fluctuates between 5 to 10 depending on what's what's going on with the pit.","start":1774.4551,"end":1782.3201,"sentiment":"neutral","sentiment_score":-0.0496460247784853}],"sentiment":"neutral","sentiment_score":0.13518182861541087,"num_words":96,"start":1749.3899,"end":1782.3201},{"sentences":[{"text":"But yeah.","start":1782.4601,"end":1785.2001,"sentiment":"neutral","sentiment_score":-0.04638310521841049},{"text":"Yes.","start":1804.3,"end":1804.8,"sentiment":"neutral","sentiment_score":-0.07086840271949768},{"text":"Yeah.","start":1914.75,"end":1915.15,"sentiment":"neutral","sentiment_score":-0.07985023409128189},{"text":"Is there is there ways to it's tricky with that budget that came out.","start":1915.15,"end":1920.99,"sentiment":"neutral","sentiment_score":-0.17336133016007288},{"text":"Right?","start":1920.99,"end":1921.23,"sentiment":"neutral","sentiment_score":-0.07052876800298691}],"sentiment":"neutral","sentiment_score":-0.14426695986797936,"num_words":19,"start":1782.4601,"end":1921.23},{"sentences":[{"text":"Because we don't I just don't don't know whether it'll pass or not.","start":1921.23,"end":1924.43,"sentiment":"neutral","sentiment_score":-0.1947564219052975},{"text":"It's it's raising a lot of raising a lot of ire all over the place.","start":1924.43,"end":1928.315,"sentiment":"neutral","sentiment_score":-0.23164138123393058},{"text":"Plenty of people are commentating on it.","start":1928.315,"end":1929.9149,"sentiment":"neutral","sentiment_score":-0.21072166306631906},{"text":"But so even if we bought a new place and change this one into an investment, in theory, that would still be hit by the new legislation coming out.","start":1929.9149,"end":1940.62,"sentiment":"neutral","sentiment_score":-0.12304357002521384},{"text":"Right?","start":1940.62,"end":1940.9401,"sentiment":"neutral","sentiment_score":-0.013709915801882744}],"sentiment":"neutral","sentiment_score":-0.1702073737119253,"num_words":65,"start":1921.23,"end":1940.9401},{"sentences":[{"text":"Or if it does yeah.","start":1940.9401,"end":1943.52,"sentiment":"neutral","sentiment_score":0.028827376291155817},{"text":"It's a really good record to track how much loss you've got each year.","start":2011.065,"end":2014.845,"sentiment":"neutral","sentiment_score":-0.00710592871265752},{"text":"Yeah.","start":2092.205,"end":2092.365,"sentiment":"neutral","sentiment_score":-0.011563029140233994},{"text":"No.","start":2092.365,"end":2092.685,"sentiment":"neutral","sentiment_score":-0.16396960616111755},{"text":"That makes sense.","start":2092.685,"end":2093.325,"sentiment":"neutral","sentiment_score":-0.07490586986144385}],"sentiment":"neutral","sentiment_score":-0.01481651522529622,"num_words":24,"start":1940.9401,"end":2093.325},{"sentences":[{"text":"Just just out of interest, assuming it does go through, what sort of what's I'm assuming you guys have been doing thinking about what vehicles might be best for, a, reducing taxable income for high income tax owners and and sort of creating those other investment streams outside of properties, seeing negative gearing has been popular for so long.","start":2093.325,"end":2120.625,"sentiment":"neutral","sentiment_score":-0.11974681544480688},{"text":"What's the what's the what's the thinking?","start":2120.625,"end":2123.185,"sentiment":"neutral","sentiment_score":-0.07578435806291443},{"text":"I'm sure you guys would be busy trying to think up what what happens and because you'd have to be pivoting a lot of people.","start":2123.185,"end":2128.145,"sentiment":"neutral","sentiment_score":-0.12820305943489074},{"text":"Right?","start":2128.145,"end":2128.4648,"sentiment":"neutral","sentiment_score":-0.037643708288669586},{"text":"So what Yeah.","start":2128.4648,"end":2133.99,"sentiment":"neutral","sentiment_score":-0.13322564214468002}],"sentiment":"neutral","sentiment_score":-0.11829420777135774,"num_words":95,"start":2093.325,"end":2133.99},{"sentences":[{"text":"And I've hit the truck as well.","start":2133.99,"end":2135.43,"sentiment":"neutral","sentiment_score":-0.16786589047738484},{"text":"Yeah.","start":2135.43,"end":2135.93,"sentiment":"neutral","sentiment_score":-0.15286663174629211},{"text":"Yep.","start":2158.51,"end":2159.01,"sentiment":"neutral","sentiment_score":0.0422249361872673},{"text":"Yep.","start":2185.645,"end":2186.145,"sentiment":"neutral","sentiment_score":0.13595366477966309},{"text":"Yes.","start":2256.02,"end":2256.375,"sentiment":"neutral","sentiment_score":-0.12458624690771104}],"sentiment":"neutral","sentiment_score":-0.11584868282079697,"num_words":11,"start":2133.99,"end":2256.375},{"sentences":[{"text":"Yeah.","start":2290.0752,"end":2290.395,"sentiment":"neutral","sentiment_score":0.32768720388412476},{"text":"I'd imagine they're keeping you on your toes at the moment.","start":2290.395,"end":2292.655,"sentiment":"neutral","sentiment_score":0.23148646408861334},{"text":"It's it's specifically it's typically targeted to hit hit these areas where people have made money, right, at the end of the day.","start":2293.2751,"end":2299.53,"sentiment":"neutral","sentiment_score":0.2610161732072416},{"text":"And it's Yeah.","start":2299.53,"end":2383.98,"sentiment":"neutral","sentiment_score":0.23648102581501007},{"text":"Okay.","start":2383.98,"end":2384.48,"sentiment":"neutral","sentiment_score":-0.14367881417274475}],"sentiment":"neutral","sentiment_score":0.24213268092045417,"num_words":39,"start":2290.0752,"end":2384.48},{"sentences":[{"text":"Yeah.","start":2385.42,"end":2385.74,"sentiment":"neutral","sentiment_score":-0.06259432435035706},{"text":"So unless unless we're able to find so essentially I I just I'm just just thinking.","start":2385.74,"end":2398.595,"sentiment":"neutral","sentiment_score":-0.08266052952967584},{"text":"So if if it I get it that if the bill comes into play, then we gotta assess.","start":2398.595,"end":2404.7551,"sentiment":"neutral","sentiment_score":-0.1212910357862711},{"text":"And then if the bill comes into play, then it would be financially, our best thing would be to knock down and build two properties or something like that or rent and then take losses.","start":2404.7551,"end":2418.5798,"sentiment":"neutral","sentiment_score":-0.18509660065174102},{"text":"But if the bill what I'm just curious.","start":2419.76,"end":2422.18,"sentiment":"neutral","sentiment_score":-0.1386212334036827}],"sentiment":"neutral","sentiment_score":-0.1430224657822878,"num_words":78,"start":2385.42,"end":2422.18},{"sentences":[{"text":"If the bill doesn't come through, what would be what would be the smartest financial move for us if we wanna, like if things don't just out of here.","start":2422.3198,"end":2432.155,"sentiment":"neutral","sentiment_score":-0.0872050264914488},{"text":"What's the most financially smart option for, like, financially in the future sort of thing?","start":2502.555,"end":2508.795,"sentiment":"neutral","sentiment_score":0.30073452840248743},{"text":"Or Yep.","start":2508.795,"end":2560.945,"sentiment":"neutral","sentiment_score":0.07732997089624405},{"text":"It'll all just be dependent on what what banks will take for serviceability and betting that you're not gonna be empty tenants and all the rest.","start":2607.76,"end":2616.445,"sentiment":"neutral","sentiment_score":0.005818115260738593},{"text":"Right?","start":2616.445,"end":2616.685,"sentiment":"neutral","sentiment_score":0.039147477596998215}],"sentiment":"neutral","sentiment_score":0.03187877498567104,"num_words":73,"start":2422.3198,"end":2616.685},{"sentences":[{"text":"That's where the risk comes in the benefit.","start":2616.685,"end":2618.785,"sentiment":"neutral","sentiment_score":-0.011712350882589817},{"text":"And remind me, if we if we pull equity out of this place to go and buy another one, does that that equity that I pull out then goes on to this loan normally, right, which would then click into investment?","start":2655.215,"end":2669.0498,"sentiment":"neutral","sentiment_score":0.06789444105290784},{"text":"Yep.","start":2734.7148,"end":2735.2148,"sentiment":"neutral","sentiment_score":0.07821716368198395},{"text":"Yeah.","start":2755.545,"end":2755.865,"sentiment":"neutral","sentiment_score":0.06769080460071564},{"text":"That's right.","start":2755.865,"end":2756.425,"sentiment":"neutral","sentiment_score":0.08226330205798149}],"sentiment":"neutral","sentiment_score":0.056611468839757845,"num_words":53,"start":2616.685,"end":2756.425},{"sentences":[{"text":"So so this place, for example, what the current mortgage is sitting at 700, but the the the rough value at the moment is what?","start":2756.425,"end":2766.665,"sentiment":"neutral","sentiment_score":-0.02783553920686245},{"text":"1.45.","start":2766.665,"end":2767.965,"sentiment":"neutral","sentiment_score":-0.0050949761644005775},{"text":"So it's the 8080% difference of 1.45 take 700.","start":2768.21,"end":2773.97,"sentiment":"neutral","sentiment_score":0.01568978548877769},{"text":"Right?","start":2773.97,"end":2774.3699,"sentiment":"neutral","sentiment_score":0.020581504330039024},{"text":"So so you'd be looking at what's 80%?","start":2774.3699,"end":2780.8499,"sentiment":"neutral","sentiment_score":0.012112908734707162}],"sentiment":"neutral","sentiment_score":-0.010052059380210598,"num_words":44,"start":2756.425,"end":2780.8499},{"sentences":[{"text":"What what's 80% of 700?","start":2780.8499,"end":2782.7898,"sentiment":"neutral","sentiment_score":0.0035218453733250497},{"text":"Yeah.","start":2783.775,"end":2784.275,"sentiment":"neutral","sentiment_score":0.04330578073859215},{"text":"I don't mind.","start":2784.5437,"end":2786.581,"sentiment":"neutral","sentiment_score":-0.06418272728721301},{"text":"My mind just froze as well.","start":2786.8499,"end":2791.1936,"sentiment":"neutral","sentiment_score":-0.07804409849147002},{"text":"My brain just froze thinking about it as well.","start":2791.4624,"end":2798.1123,"sentiment":"neutral","sentiment_score":-0.05760866300099426}],"sentiment":"neutral","sentiment_score":-0.04659898884225792,"num_words":24,"start":2780.8499,"end":2798.1123},{"sentences":[{"text":"Yeah.","start":2798.381,"end":2798.881,"sentiment":"neutral","sentiment_score":-0.011030787602066994},{"text":"Yeah.","start":2803.23,"end":2803.39,"sentiment":"neutral","sentiment_score":-0.031390704214572906},{"text":"So it still ends up being a a pretty hefty loan on the other side depending on how much things cost as well.","start":2803.39,"end":2812.0298,"sentiment":"neutral","sentiment_score":-0.18362799869931262},{"text":"Right?","start":2812.0298,"end":2812.5298,"sentiment":"neutral","sentiment_score":-0.047708041965961456},{"text":"So probably best bet at the moment would be to keep saving, scurrying things away.","start":2817.7449,"end":2823.825,"sentiment":"neutral","sentiment_score":-0.13820146918296813}],"sentiment":"neutral","sentiment_score":-0.15577062296612962,"num_words":41,"start":2798.381,"end":2823.825},{"sentences":[{"text":"Or if if the commute does get too hard, it's probably better off just selling this place than buying somewhere new because otherwise, probably gonna be you won't necessarily be buying something bigger on the on the other side.","start":2823.825,"end":2841.39,"sentiment":"neutral","sentiment_score":-0.16255310110938856},{"text":"Yep.","start":2863.8,"end":2864.3,"sentiment":"neutral","sentiment_score":0.13732440769672394},{"text":"Reason I say bigger doesn't mean bigger, like, looking at stuff.","start":2891.57,"end":2895.25,"sentiment":"neutral","sentiment_score":-0.0588887557387352},{"text":"So context where we'd be looking the houses of similar value where we'd be wanting to move into.","start":2895.25,"end":2904.475,"sentiment":"neutral","sentiment_score":0.08499654506643613},{"text":"So, yeah, it's not what I was thinking.","start":2904.535,"end":2910.715,"sentiment":"neutral","sentiment_score":-0.1555576864629984}],"sentiment":"neutral","sentiment_score":-0.08525385102861888,"num_words":77,"start":2823.825,"end":2910.715},{"sentences":[{"text":"If you get if you get an equity if you get an equity loan here I mean, equity loans still charge at your normal interest rate, right, depending on the outcome.","start":2911.7349,"end":2921.77,"sentiment":"neutral","sentiment_score":0.035950747078224536},{"text":"And then sorry.","start":2921.77,"end":2923.53,"sentiment":"neutral","sentiment_score":0.02291852453102668},{"text":"What So you'd be going 700.","start":2923.53,"end":2935.1748,"sentiment":"neutral","sentiment_score":0.004637018156548341},{"text":"That's in one point.","start":2936.035,"end":2937.7148,"sentiment":"neutral","sentiment_score":-0.001985523267649114},{"text":"If you have the 500 on, you're going another one.","start":2937.7148,"end":2939.875,"sentiment":"neutral","sentiment_score":0.00026814662851393223}],"sentiment":"neutral","sentiment_score":0.02232944842910877,"num_words":54,"start":2911.7349,"end":2939.875},{"sentences":[{"text":"That's 1.2, and then you're probably looking all up.","start":2939.875,"end":2946.01,"sentiment":"neutral","sentiment_score":0.004357020629362928},{"text":"Yeah.","start":2946.01,"end":2946.33,"sentiment":"neutral","sentiment_score":0.005930982530117035},{"text":"You'd need to be almost another million be almost at 2,200,000.","start":2946.33,"end":2951.63,"sentiment":"neutral","sentiment_score":-0.0012478759004311128},{"text":"Yep.","start":2985.78,"end":2986.28,"sentiment":"neutral","sentiment_score":0.05841585993766785},{"text":"Yeah.","start":2986.74,"end":2987.24,"sentiment":"neutral","sentiment_score":0.045698344707489014}],"sentiment":"neutral","sentiment_score":0.005892684258034696,"num_words":23,"start":2939.875,"end":2987.24},{"sentences":[{"text":"But I've I've done that rough rough arithmetic right in my head.","start":2987.375,"end":2991.2148,"sentiment":"neutral","sentiment_score":0.00806238599276791},{"text":"Right?","start":2991.2148,"end":2991.535,"sentiment":"neutral","sentiment_score":0.036094218492507935},{"text":"So if we were to keep this place as a rental, use the equity to help deposit on the other side, and then what if we're saying this is worth just shy of 1.5 and the places over where we're looking at these similar?","start":2991.535,"end":3007.49,"sentiment":"neutral","sentiment_score":0.031023334274405814},{"text":"That would leave a million gap from the equity, which you'd have to add on as a loan as well.","start":3008.91,"end":3014.205,"sentiment":"neutral","sentiment_score":0.001577328983694315},{"text":"And so it'd be 2.2 finance all up.","start":3014.365,"end":3018.925,"sentiment":"neutral","sentiment_score":0.017020711326040328}],"sentiment":"neutral","sentiment_score":0.019595080338373972,"num_words":85,"start":2987.375,"end":3018.925},{"sentences":[{"text":"Is that am I am I mathing that right?","start":3018.925,"end":3023.5051,"sentiment":"neutral","sentiment_score":-0.0342176030907366},{"text":"That's a scary number.","start":3025.3252,"end":3026.5452,"sentiment":"negative","sentiment_score":-0.5101854726672173},{"text":"Because then it really makes it this is where negative gearing comes in to help.","start":3032.77,"end":3038.61,"sentiment":"neutral","sentiment_score":-0.2881037712097168},{"text":"Right?","start":3038.61,"end":3038.93,"sentiment":"neutral","sentiment_score":0.09053654968738556},{"text":"Because That's alright.","start":3038.93,"end":3084.745,"sentiment":"neutral","sentiment_score":0.13243521004915237}],"sentiment":"neutral","sentiment_score":-0.19320045958738774,"num_words":32,"start":3018.925,"end":3084.745},{"sentences":[{"text":"Yeah.","start":3093.0898,"end":3093.5898,"sentiment":"neutral","sentiment_score":0.07890083640813828},{"text":"When you spell it.","start":3105.765,"end":3106.825,"sentiment":"neutral","sentiment_score":0.017183477990329266},{"text":"Which doesn't really leave you any better off even on yeah.","start":3111.605,"end":3115.03,"sentiment":"neutral","sentiment_score":-0.0176718473773111},{"text":"Doesn't doesn't really have as much of a net net benefit as what it does right now.","start":3115.09,"end":3120.29,"sentiment":"neutral","sentiment_score":-0.08651075183468707},{"text":"Alright?","start":3120.29,"end":3120.77,"sentiment":"neutral","sentiment_score":0.01785215735435486}],"sentiment":"neutral","sentiment_score":-0.04410547637106741,"num_words":34,"start":3093.0898,"end":3120.77},{"sentences":[{"text":"Okay.","start":3120.77,"end":3121.27,"sentiment":"neutral","sentiment_score":0.03724431246519089},{"text":"Yeah.","start":3142.365,"end":3142.865,"sentiment":"neutral","sentiment_score":-0.03747954964637756},{"text":"Okay.","start":3150.73,"end":3150.97,"sentiment":"neutral","sentiment_score":0.02969040349125862},{"text":"Yeah.","start":3150.97,"end":3151.47,"sentiment":"neutral","sentiment_score":0.05429597944021225},{"text":"I I mean, I'm I'm just glad this hasn't been wiped out completely with everything going on.","start":3152.21,"end":3157.815,"sentiment":"neutral","sentiment_score":0.1434372159488061}],"sentiment":"neutral","sentiment_score":0.12010399127999942,"num_words":21,"start":3120.77,"end":3157.815},{"sentences":[{"text":"I've been checking it every now and again.","start":3157.815,"end":3159.5151,"sentiment":"neutral","sentiment_score":0.22447319887578487},{"text":"It's it's sort of bounced down and back up.","start":3159.9885,"end":3166.235,"sentiment":"neutral","sentiment_score":0.1460393245021502},{"text":"Yep.","start":3186.985,"end":3187.485,"sentiment":"neutral","sentiment_score":0.1440809667110443},{"text":"Yep.","start":3212.49,"end":3212.865,"sentiment":"positive","sentiment_score":0.3866526484489441},{"text":"Yep.","start":3235.83,"end":3236.33,"sentiment":"neutral","sentiment_score":0.0836261659860611}],"sentiment":"neutral","sentiment_score":0.186224964633584,"num_words":20,"start":3157.815,"end":3236.33},{"sentences":[{"text":"Is there is there any other any other place of the budget coming through that might need where the sleep is invested to be changed as well?","start":3241.965,"end":3252.465,"sentiment":"neutral","sentiment_score":-0.1255240220990446},{"text":"Well, is there anything is there any any accounts or funds there that are real estate that are dependent on anything that could be affected by the budget?","start":3254.14,"end":3263.98,"sentiment":"neutral","sentiment_score":-0.12396042760727662},{"text":"Or That that was the that was the that was the original aim.","start":3263.98,"end":3288.11,"sentiment":"neutral","sentiment_score":-0.016511732855668433},{"text":"Right?","start":3288.11,"end":3288.35,"sentiment":"neutral","sentiment_score":0.006709844805300236},{"text":"I think we were trying to get to by 60 to be at 4,000,000.","start":3288.35,"end":3292.19,"sentiment":"neutral","sentiment_score":0.005382351976420198}],"sentiment":"neutral","sentiment_score":-0.08424855812441513,"num_words":83,"start":3241.965,"end":3292.19},{"sentences":[{"text":"Right?","start":3292.19,"end":3292.51,"sentiment":"neutral","sentiment_score":0.01960989087820053},{"text":"That was the that was the hopes and dreams when we started that.","start":3292.51,"end":3296.53,"sentiment":"neutral","sentiment_score":0.018141686343229733},{"text":"Yeah.","start":3296.91,"end":3297.41,"sentiment":"neutral","sentiment_score":0.04030482843518257},{"text":"Yep.","start":3301.645,"end":3302.145,"sentiment":"neutral","sentiment_score":0.014411906711757185},{"text":"Yep.","start":3324.8901,"end":3325.3901,"sentiment":"neutral","sentiment_score":-0.04320963844656944}],"sentiment":"neutral","sentiment_score":0.015703465296503377,"num_words":17,"start":3292.19,"end":3325.3901},{"sentences":[{"text":"Yeah.","start":3345.0,"end":3345.32,"sentiment":"neutral","sentiment_score":0.14291808009147644},{"text":"No.","start":3345.32,"end":3345.56,"sentiment":"neutral","sentiment_score":0.04392407089471817},{"text":"I I looked at that as well and I still made money, but even with the big chunk that went down, it's good.","start":3345.56,"end":3352.94,"sentiment":"neutral","sentiment_score":0.08192053761171258},{"text":"I go and look at that and go, oh, I wish I wish I could wish I could go and throw that for other stuff now, but I'm like, I need to leave it there.","start":3353.5552,"end":3360.5151,"sentiment":"neutral","sentiment_score":-0.13542373946734837},{"text":"It's like, I'll I'll be home when I retire.","start":3360.5151,"end":3362.695,"sentiment":"neutral","sentiment_score":-0.013666785089299083}],"sentiment":"neutral","sentiment_score":-0.0404611221899319,"num_words":69,"start":3345.0,"end":3362.695},{"sentences":[{"text":"I'll just make sure I live that long.","start":3362.915,"end":3364.8552,"sentiment":"neutral","sentiment_score":0.0646788920275867},{"text":"No.","start":3391.8152,"end":3392.135,"sentiment":"neutral","sentiment_score":-0.12333391606807707},{"text":"I think it's just yeah.","start":3392.135,"end":3395.335,"sentiment":"neutral","sentiment_score":-0.14289891719818115},{"text":"The the budget sort of threw a spanner in any of our thoughts, but the I think the big takeaway for me at the moment is I I was trying to I was trying to think of creative ways where we could get away with this without having much capital built up behind us at the moment just because we don't have a huge chunk behind us.","start":3395.335,"end":3415.9749,"sentiment":"neutral","sentiment_score":-0.22930462880810695},{"text":"But what what my takeaway is, and tell me if I'm understanding this right, is there's probably no silver bullet for that with lack of capital.","start":3415.9749,"end":3425.3699,"sentiment":"neutral","sentiment_score":-0.20108174675932297}],"sentiment":"neutral","sentiment_score":-0.19543862534321357,"num_words":107,"start":3362.915,"end":3425.3699},{"sentences":[{"text":"So maybe maybe what we need to think about is how do we get that capital built up.","start":3425.3699,"end":3434.41,"sentiment":"neutral","sentiment_score":-0.05870202100939221},{"text":"And are there are there other are there other ways apart from trying to scrounge money together that we could use to build capital faster for other terms or other more short term investment vehicles that we can do to build that faster?","start":3434.41,"end":3454.0,"sentiment":"neutral","sentiment_score":-0.08039607861360838},{"text":"I mean, it's all gonna come with risk.","start":3454.0,"end":3455.84,"sentiment":"negative","sentiment_score":-0.3390982523560524},{"text":"Right?","start":3455.84,"end":3456.08,"sentiment":"neutral","sentiment_score":-0.22054100036621097},{"text":"If it's short term, the only problem.","start":3456.08,"end":3458.58,"sentiment":"neutral","sentiment_score":-0.22820215565817698}],"sentiment":"neutral","sentiment_score":-0.11745986840748168,"num_words":77,"start":3425.3699,"end":3458.58},{"sentences":[{"text":"Yep.","start":3475.385,"end":3475.885,"sentiment":"neutral","sentiment_score":0.08149375021457672},{"text":"Yes.","start":3501.575,"end":3502.075,"sentiment":"neutral","sentiment_score":-0.03738587722182274},{"text":"Yep.","start":3551.695,"end":3552.195,"sentiment":"positive","sentiment_score":0.4903011322021485},{"text":"Yep.","start":3571.0298,"end":3571.5298,"sentiment":"neutral","sentiment_score":0.06310850381851196},{"text":"Yeah.","start":3580.0752,"end":3580.5752,"sentiment":"neutral","sentiment_score":-0.03023015521466732}],"sentiment":"neutral","sentiment_score":0.11345747075974941,"num_words":5,"start":3475.385,"end":3580.5752},{"sentences":[{"text":"So one one thought I one thought I did have, and this is something I'm gonna probably investigate a little further.","start":3584.875,"end":3593.85,"sentiment":"neutral","sentiment_score":-0.09819310974507105},{"text":"At the moment, like, we've we've we've switched most of our everyday banking across to that up bank instead.","start":3595.99,"end":3605.2249,"sentiment":"neutral","sentiment_score":0.03316417581548816},{"text":"So they're offering their home loans now for refinance and the rest.","start":3605.285,"end":3610.565,"sentiment":"neutral","sentiment_score":0.14317048837741217},{"text":"But one one option I'm seriously considering is actually pulling our home loan across to that where we have all of our savers set up for the or essentially a digital envelope system right at the end of the day.","start":3610.565,"end":3627.8901,"sentiment":"neutral","sentiment_score":0.1608629560098052},{"text":"But all of that's supposed to then count as offset even it doesn't have to be in one account.","start":3627.8901,"end":3633.935,"sentiment":"neutral","sentiment_score":0.03629105244027941}],"sentiment":"neutral","sentiment_score":0.0667581813795878,"num_words":111,"start":3584.875,"end":3633.935},{"sentences":[{"text":"It's just every if you have in every favor going that way.","start":3633.935,"end":3638.655,"sentiment":"neutral","sentiment_score":0.06003219091023008},{"text":"But have you have you heard anything that's not a good idea about doing that with us at all?","start":3638.655,"end":3644.575,"sentiment":"negative","sentiment_score":-0.40477128562174347},{"text":"Because it's probably the probably the silver silver bullet piece that I can see right now around.","start":3644.575,"end":3650.44,"sentiment":"neutral","sentiment_score":-0.07254715307670481},{"text":"That way you can have multiple savers for different things, but they all count as offsets at the same time.","start":3650.98,"end":3655.32,"sentiment":"neutral","sentiment_score":-0.0018408522009849548},{"text":"Yeah.","start":3685.25,"end":3685.5698,"sentiment":"neutral","sentiment_score":0.09940028190612792}],"sentiment":"neutral","sentiment_score":-0.11798531159866547,"num_words":69,"start":3633.935,"end":3685.5698},{"sentences":[{"text":"Alright.","start":3685.5698,"end":3686.0698,"sentiment":"neutral","sentiment_score":0.13577190041542053},{"text":"K.","start":3686.13,"end":3686.3699,"sentiment":"neutral","sentiment_score":0.1493290364742279},{"text":"Thanks, Bob.","start":3686.3699,"end":3687.19,"sentiment":"neutral","sentiment_score":0.2926432341337204},{"text":"Reality is the mortgages with ING anyhow.","start":3705.74,"end":3708.3,"sentiment":"neutral","sentiment_score":-0.044383837442312925},{"text":"So they're they're not bricks and mortar anyhow.","start":3708.3,"end":3711.04,"sentiment":"neutral","sentiment_score":-0.05754539300687611}],"sentiment":"neutral","sentiment_score":0.005228284158204731,"num_words":19,"start":3685.5698,"end":3711.04},{"sentences":[{"text":"So at least not not in Brisbane.","start":3711.1802,"end":3714.56,"sentiment":"neutral","sentiment_score":-0.041533279099634716},{"text":"So yeah.","start":3715.575,"end":3718.935,"sentiment":"neutral","sentiment_score":-0.00320260226726532},{"text":"So it's just a thought thought I've got at the moment, but that would probably make the most sense to help build that capital sooner, I'd imagine.","start":3718.935,"end":3725.9949,"sentiment":"neutral","sentiment_score":0.03941150442524641},{"text":"No.","start":3735.1501,"end":3735.55,"sentiment":"neutral","sentiment_score":-0.05810195952653885},{"text":"It's just just one off there, and they charge you fees for it.","start":3735.55,"end":3739.01,"sentiment":"neutral","sentiment_score":-0.11699015360612136}],"sentiment":"neutral","sentiment_score":-0.01624002990312874,"num_words":50,"start":3711.1802,"end":3739.01},{"sentences":[{"text":"It's I mean, RNG used to be amazing a long time ago when I first opened my account, but it's just yeah.","start":3739.27,"end":3746.9548,"sentiment":"neutral","sentiment_score":-0.15535803952000357},{"text":"Then they got popular.","start":3746.9548,"end":3747.835,"sentiment":"neutral","sentiment_score":-0.10223665833473206},{"text":"That's right.","start":3747.835,"end":3748.575,"sentiment":"neutral","sentiment_score":0.26745008677244186},{"text":"And they got popular, and they just started going the way everyone else did.","start":3748.795,"end":3752.075,"sentiment":"neutral","sentiment_score":0.30742025481803076},{"text":"I mean yeah.","start":3752.075,"end":3754.1748,"sentiment":"neutral","sentiment_score":0.11639371514320374}],"sentiment":"neutral","sentiment_score":0.030247586303287083,"num_words":45,"start":3739.27,"end":3754.1748},{"sentences":[{"text":"But where I'm thinking about just shifting all of my banking to somewhere that can handle that because at least gives you a it should give some sort of edge there because at the moment, it's, yeah, not feeling like it any other way.","start":3754.2349,"end":3770.3499,"sentiment":"neutral","sentiment_score":0.05121394170617515},{"text":"So gotcha.","start":3770.3499,"end":3775.165,"sentiment":"neutral","sentiment_score":-0.03179478240781464},{"text":"Yeah.","start":3807.845,"end":3808.165,"sentiment":"neutral","sentiment_score":0.07629697024822235},{"text":"Okay.","start":3808.165,"end":3808.665,"sentiment":"neutral","sentiment_score":0.06641939282417297},{"text":"Alright.","start":3809.525,"end":3809.845,"sentiment":"neutral","sentiment_score":0.048455968499183655}],"sentiment":"neutral","sentiment_score":0.04859175922097258,"num_words":49,"start":3754.2349,"end":3809.845},{"sentences":[{"text":"So we'll put the we'll put the property piece on hold and just try to keep building capital to do something outside of super at the moment.","start":3809.845,"end":3817.23,"sentiment":"neutral","sentiment_score":-0.0023062111878836594},{"text":"I mean so it's the challenge.","start":3817.23,"end":3819.1501,"sentiment":"neutral","sentiment_score":-0.07689846307039261},{"text":"Right?","start":3819.1501,"end":3819.3901,"sentiment":"neutral","sentiment_score":-0.06848770380020142},{"text":"As as you keep saying, I'm I'm still quite young.","start":3819.3901,"end":3821.79,"sentiment":"neutral","sentiment_score":-0.10304284542798996},{"text":"Well, we're still quite young.","start":3821.79,"end":3823.41,"sentiment":"neutral","sentiment_score":-0.05397985279560089}],"sentiment":"neutral","sentiment_score":-0.03862191637863918,"num_words":49,"start":3809.845,"end":3823.41},{"sentences":[{"text":"And while while we're looking good for retirement, it's how do we how how do I get to the point where I feel like I'm actually making that that money that I am actually making?","start":3824.99,"end":3836.435,"sentiment":"neutral","sentiment_score":-0.00975195664380278},{"text":"I think that's that's the imposter syndrome that I have half the time.","start":3836.895,"end":3841.0552,"sentiment":"neutral","sentiment_score":-0.244830921292305},{"text":"So yeah.","start":3841.0552,"end":3843.075,"sentiment":"neutral","sentiment_score":0.015412943437695503},{"text":"Yeah.","start":3870.4248,"end":3870.9248,"sentiment":"neutral","sentiment_score":0.09073140472173692},{"text":"Some something where we're sitting down to relook at it again.","start":3872.105,"end":3875.52,"sentiment":"neutral","sentiment_score":0.07742225040089}],"sentiment":"neutral","sentiment_score":-0.04114384537622813,"num_words":62,"start":3824.99,"end":3875.52},{"sentences":[{"text":"I think it's out of out of the woods with all the main stuff with our daughter and trying to get back on top of everything that yeah.","start":3875.76,"end":3884.8,"sentiment":"neutral","sentiment_score":0.06789611499490482},{"text":"Put everything else up.","start":3884.8,"end":3885.76,"sentiment":"positive","sentiment_score":0.37558843195438385},{"text":"But yeah.","start":3885.76,"end":3887.22,"sentiment":"neutral","sentiment_score":0.11469077318906784},{"text":"Now pulling out support for them all, and I think half the time we're so exhausted that takeaway can look enticing and try to get ourselves out of that and that that properly because that's where I can see a lot of the money has gone.","start":3887.44,"end":3901.345,"sentiment":"neutral","sentiment_score":0.09911177615108697},{"text":"So then, of course, it's been down as you don't need all these subscriptions.","start":3902.23,"end":3905.53,"sentiment":"neutral","sentiment_score":0.018257385485672524}],"sentiment":"neutral","sentiment_score":0.08986778291279172,"num_words":94,"start":3875.76,"end":3905.53},{"sentences":[{"text":"You don't need this, and you don't need that.","start":3905.6702,"end":3907.6902,"sentiment":"neutral","sentiment_score":-0.009843735399449037},{"text":"And so it doesn't matter if little Johnny in school got it as well.","start":3907.99,"end":3911.05,"sentiment":"neutral","sentiment_score":0.01609189622104168},{"text":"But I really really seriously doubt about stripping all of them and just going, no.","start":3911.99,"end":3920.315,"sentiment":"neutral","sentiment_score":-0.24406803101301194},{"text":"I need now you need to watch that.","start":3920.315,"end":3921.7551,"sentiment":"neutral","sentiment_score":-0.24061916954815388},{"text":"You can't even can't even do that because all the Frida Air got streaming.","start":3921.7551,"end":3927.215,"sentiment":"neutral","sentiment_score":-0.1984061896800995}],"sentiment":"neutral","sentiment_score":-0.13711612581003768,"num_words":60,"start":3905.6702,"end":3927.215},{"sentences":[{"text":"I wanted to do it just to be patient.","start":3929.5151,"end":3931.2952,"sentiment":"neutral","sentiment_score":-0.04052653329239951},{"text":"Just pause anything?","start":3946.4048,"end":3947.305,"sentiment":"neutral","sentiment_score":-0.019237826267878216},{"text":"The kids just look at us blankly when they're like, what are you talking about?","start":3948.9648,"end":3953.9448,"sentiment":"neutral","sentiment_score":-0.13261847446362177},{"text":"What's the fuck?","start":3954.4849,"end":3958.7349,"sentiment":"neutral","sentiment_score":-0.27097584555546445},{"text":"That's At all good.","start":3958.7349,"end":3961.92,"sentiment":"neutral","sentiment_score":-0.16283398121595383}],"sentiment":"neutral","sentiment_score":-0.11399978990940486,"num_words":34,"start":3929.5151,"end":3961.92},{"sentences":[{"text":"Okay.","start":3961.92,"end":3962.32,"sentiment":"neutral","sentiment_score":0.02666522189974785},{"text":"Cool.","start":3962.32,"end":3962.56,"sentiment":"neutral","sentiment_score":0.018216243013739582},{"text":"No.","start":3962.56,"end":3962.8801,"sentiment":"neutral","sentiment_score":-0.07223877310752869},{"text":"That that makes sense.","start":3962.8801,"end":3964.0,"sentiment":"neutral","sentiment_score":-0.05646981857717037},{"text":"We're sort of back with where it's asking.","start":3964.0,"end":3966.02,"sentiment":"neutral","sentiment_score":-0.01642006466863677}],"sentiment":"neutral","sentiment_score":-0.025639806656787792,"num_words":15,"start":3961.92,"end":3966.02},{"sentences":[{"text":"So I just sort of trying to settle for anything that might have might have been helped with the the low capital problem.","start":3966.48,"end":3974.16,"sentiment":"neutral","sentiment_score":-0.0709810754203278},{"text":"Right?","start":3974.16,"end":3974.32,"sentiment":"neutral","sentiment_score":-0.011691732332110403},{"text":"It's the end of the the biggest takeaway from you.","start":3974.32,"end":3980.305,"sentiment":"neutral","sentiment_score":-0.008250620774924755},{"text":"Well, it almost almost makes it because it almost started to tick more boxes about because I mean, I guess the problem for me at the moment is I'm also an employee.","start":4014.615,"end":4024.7998,"sentiment":"negative","sentiment_score":-0.3858456276357174},{"text":"Right?","start":4024.7998,"end":4025.2,"sentiment":"neutral","sentiment_score":-0.1891803741455078}],"sentiment":"neutral","sentiment_score":-0.21288064377966212,"num_words":67,"start":3966.48,"end":4025.2},{"sentences":[{"text":"So other structures to help with this before have been, as you said, trust or companies or what have you where it can be set up different ways.","start":4025.2,"end":4038.345,"sentiment":"neutral","sentiment_score":-0.11121112587196487},{"text":"But, I mean, while I'm an employee, I can't get paid that way.","start":4038.345,"end":4041.065,"sentiment":"neutral","sentiment_score":-0.2749705681434044},{"text":"I'd have to be a contractor and handle other structures that way.","start":4041.065,"end":4045.545,"sentiment":"neutral","sentiment_score":-0.30094677458206814},{"text":"But I don't know.","start":4045.545,"end":4046.905,"sentiment":"neutral","sentiment_score":-0.13703633286058903},{"text":"Maybe maybe maybe there's other thought because of stuff.","start":4046.905,"end":4050.31,"sentiment":"neutral","sentiment_score":-0.15059504161278406}],"sentiment":"neutral","sentiment_score":-0.18489986229123492,"num_words":66,"start":4025.2,"end":4050.31},{"sentences":[{"text":"Yeah.","start":4060.2249,"end":4060.7249,"sentiment":"neutral","sentiment_score":-0.0691695436835289},{"text":"Yeah.","start":4076.76,"end":4077.26,"sentiment":"neutral","sentiment_score":-0.11046119779348372},{"text":"Yeah.","start":4093.895,"end":4094.215,"sentiment":"neutral","sentiment_score":-0.3003818094730377},{"text":"Because it it went grayed up, like, doing some stuff.","start":4094.215,"end":4097.255,"sentiment":"negative","sentiment_score":-0.3575336903333664},{"text":"Yep.","start":4097.255,"end":4097.7,"sentiment":"neutral","sentiment_score":-0.040720339864492416}],"sentiment":"neutral","sentiment_score":-0.29257641386772903,"num_words":14,"start":4060.2249,"end":4097.7},{"sentences":[{"text":"Okay.","start":4130.21,"end":4130.71,"sentiment":"neutral","sentiment_score":-0.07716085016727448},{"text":"No problem.","start":4133.0103,"end":4133.6704,"sentiment":"neutral","sentiment_score":-0.030756330117583275},{"text":"All all good.","start":4153.165,"end":4154.305,"sentiment":"neutral","sentiment_score":0.23793403307596842},{"text":"As as I said, I think I was looking for a unicorn anyhow because it needs a we need the capital saved up as well.","start":4154.525,"end":4161.6,"sentiment":"neutral","sentiment_score":0.021164197623729706},{"text":"It was just yeah.","start":4161.6,"end":4163.62,"sentiment":"neutral","sentiment_score":-0.015993638895452023}],"sentiment":"neutral","sentiment_score":0.02972168496676854,"num_words":35,"start":4130.21,"end":4163.62},{"sentences":[{"text":"We're moving to a cheaper area.","start":4164.56,"end":4166.34,"sentiment":"neutral","sentiment_score":0.022731482788609963},{"text":"Yeah.","start":4166.8,"end":4167.3,"sentiment":"neutral","sentiment_score":0.0660468190908432},{"text":"That's good.","start":4168.64,"end":4169.46,"sentiment":"neutral","sentiment_score":0.1268443949520588},{"text":"Yeah.","start":4171.325,"end":4171.4854,"sentiment":"neutral","sentiment_score":-0.08836338669061661},{"text":"I tried tried that a couple of times.","start":4171.4854,"end":4173.0054,"sentiment":"neutral","sentiment_score":-0.2688034623861313}],"sentiment":"neutral","sentiment_score":-0.09903703222516924,"num_words":18,"start":4164.56,"end":4173.0054},{"sentences":[{"text":"I just didn't work.","start":4173.0054,"end":4173.9053,"sentiment":"negative","sentiment_score":-0.4070499539375305},{"text":"All good.","start":4189.9297,"end":4190.67,"sentiment":"positive","sentiment_score":0.5079403221607208},{"text":"That's it.","start":4191.69,"end":4192.4097,"sentiment":"neutral","sentiment_score":0.15809015929698944},{"text":"It's well, it's getting more expensive, so just figure out ways to work with it.","start":4192.4097,"end":4197.305,"sentiment":"neutral","sentiment_score":-0.021362146362662315},{"text":"So that's Yep.","start":4197.305,"end":4245.74,"sentiment":"neutral","sentiment_score":0.054468235621849694}],"sentiment":"neutral","sentiment_score":-0.017429474669580277,"num_words":26,"start":4173.0054,"end":4245.74},{"sentences":[{"text":"Yep.","start":4245.74,"end":4246.06,"sentiment":"neutral","sentiment_score":0.12132125347852708},{"text":"Sounds good.","start":4246.06,"end":4246.8003,"sentiment":"neutral","sentiment_score":0.3140507936477661},{"text":"Yes.","start":4256.0454,"end":4256.285,"sentiment":"neutral","sentiment_score":0.19833798706531525},{"text":"I have.","start":4256.285,"end":4257.0054,"sentiment":"neutral","sentiment_score":0.2502637207508087},{"text":"Thank you.","start":4257.0054,"end":4257.825,"sentiment":"positive","sentiment_score":0.41237597167491913}],"sentiment":"neutral","sentiment_score":0.2841300265863538,"num_words":8,"start":4245.74,"end":4257.825},{"sentences":[{"text":"Yeah.","start":4263.165,"end":4263.665,"sentiment":"neutral","sentiment_score":0.2692110240459442},{"text":"It's actually our thirteenth year wedding anniversary tonight, so we're gonna go we're we're not gonna speaking of saving money really bad, we're gonna go out tonight for dinner.","start":4264.765,"end":4277.49,"sentiment":"neutral","sentiment_score":0.2332675701071476},{"text":"Because the the kids said, oh, we'll have to go out and celebrate because it's your wedding anniversary.","start":4278.19,"end":4282.1353,"sentiment":"neutral","sentiment_score":0.32516444391674465},{"text":"Like, we should teach them how to celebrate things like that.","start":4282.275,"end":4285.795,"sentiment":"positive","sentiment_score":0.33432741869579663},{"text":"So he's gonna go find a gonna go find a pub that does typically free, hopefully.","start":4285.795,"end":4290.375,"sentiment":"neutral","sentiment_score":0.07787987194024026}],"sentiment":"neutral","sentiment_score":0.23747480139136315,"num_words":75,"start":4263.165,"end":4290.375},{"sentences":[{"text":"Okay.","start":4309.189,"end":4309.509,"sentiment":"neutral","sentiment_score":0.2190435528755188},{"text":"Thank you.","start":4309.509,"end":4310.069,"sentiment":"positive","sentiment_score":0.6568654179573059},{"text":"Thank you.","start":4310.069,"end":4310.8887,"sentiment":"positive","sentiment_score":0.6365270018577576}],"sentiment":"positive","sentiment_score":0.5611656785011292,"num_words":5,"start":4309.189,"end":4310.8887}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Matt speaking.\n\nChannel 0: Hi, Matthew. It's Dana from Oakey Financial. How are you today?\n\nChannel 1: Hello. How are you?\n\nChannel 0: I'm very well. Thank you.\n\nChannel 1: A\n\nChannel 0: How's everything going?\n\nChannel 1: bit wet today, but\n\nChannel 0: Yes.\n\nChannel 1: apart from\n\nChannel 0: Isn't\n\nChannel 1: that\n\nChannel 0: it?\n\nChannel 1: yeah.\n\nChannel 0: No. All good. I had to book in for a bit of a catch up in relation to some changes to your circumstances and also talking about subdivisions. Is now still a good time there for you?\n\nChannel 1: Yeah. I was thinking maybe if we start with where you got to with the super stuff\n\nChannel 0: Yes.\n\nChannel 1: and because Camille was just getting home with the kids at the moment because she was keen to,\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: Have\n\nChannel 1: know,\n\nChannel 0: a chat.\n\nChannel 1: listen in on thoughts around what we\n\nChannel 0: Yeah.\n\nChannel 1: may may not do to weigh up options. Yeah.\n\nChannel 0: Yeah. No. Absolutely. All good. So, essentially, we have the advice all ready to go, but one of the things that was kinda noted was you've had a change in your circumstances with your employment.\n\nSo you're on a higher\n\nChannel 1: Yep.\n\nChannel 0: income at the moment. Is that right?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yeah. Beautiful. So I believe it's 230,000 per annum. Is that correct? Or\n\nChannel 1: Yeah. That's correct. But I\n\nChannel 0: Yeah.\n\nChannel 1: but that's then being reduced for net with the EV that I've got built in as part of that. So, yeah, I think I gave you the net take home.\n\nChannel 0: Yep. Yeah. So take home pay, we've got, I believe, gross is 8,846 and 15¢ per fortnight, and then\n\nChannel 1: Yeah.\n\nChannel 0: net\n\nChannel 1: Correct.\n\nChannel 0: is about 5,733 and 32\n\nChannel 1: Oh, Fortnite. Hold on one second. Say\n\nChannel 0: cents.\n\nChannel 1: that again.\n\nChannel 0: That's okay. It's I've got $8,846.15. Is that month or fortnight? Sorry.\n\nChannel 1: That sounds like it should be the net amount. I'm just double check.\n\nChannel 0: That's okay.\n\nChannel 1: That that could be my total.\n\nChannel 0: You're right.\n\nChannel 1: The number the number doesn't match with what I'm used to seeing. So I'll just I'll\n\nChannel 0: That's\n\nChannel 1: just stop at this per\n\nChannel 0: that's\n\nChannel 1: second.\n\nChannel 0: absolutely fine.\n\nChannel 1: What? What is that from popcorn when she gets home. No. You're right. $55,733 and 32¢ next.\n\nSorry. So that 8,000 would have been.\n\nChannel 0: Perfect. So sorry. Can I get you to repeat that last one for me? So it was 5,000\n\nChannel 1: $733.32 net.\n\nChannel 0: yep. Perfect. Net. And so the other one would have been the gross.\n\nChannel 1: Yeah. Correct. Yeah.\n\nChannel 0: Yep. Beautiful. And is that fortnightly?\n\nChannel 1: Yeah. That's fortnightly.\n\nChannel 0: Yeah. Beautiful. Not a problem at all. I'll go back and redid the numbers there for you. It's just mainly for the insurance side of things and looking at contributions going in there.\n\nWith the insurances, we were looking at making sure if anything happened to you, that your life cover and your TPD covered your mortgage completely, so it's made it free and clear, and then also one year's worth of net income. We were also looking at the tax component for TPDs and making sure that the amount paid out was after the possibility of the tax for TPD if you're\n\nChannel 1: Yep.\n\nChannel 0: under the age of 60. And then with the income and then so with TBD, we're also factoring in a bit more income. We're looking at sort of five to ten years worth of income because you are still alive and could be needing ongoing medical support and recovery replacement of things. With the income protection side of things, we were looking to reduce the waiting period to thirty years, have a five year benefit period, but then making sure that you had up to 70% of your income covered in the event of anything happening. Does that still sound fairly accurate?\n\nChannel 1: Yeah. Correct. Because I think\n\nChannel 0: Yep.\n\nChannel 1: I had I had a pretty long wait to access the\n\nChannel 0: Yes.\n\nChannel 1: people. So\n\nChannel 0: Yeah. Absolutely. Absolutely.\n\nChannel 1: so\n\nChannel 0: So\n\nChannel 1: so so good\n\nChannel 0: one\n\nChannel 1: when you like the same. I\n\nChannel 0: yeah.\n\nChannel 1: think\n\nChannel 0: No.\n\nChannel 1: about\n\nChannel 0: Absolutely.\n\nChannel 1: it every day. I mean, let me go. Oh, I need to get that sorted.\n\nChannel 0: Absolutely. No. Look. I had come up with a recommendation for you. I'll just go back and redid the numbers there.\n\nJust with the increase in the income side of things for you, just to kind of work out, I can do one of two things for you. I can definitely work out the new amount you need based on that goal and make the recommendation for those exact amount, show you the cost of it, the effects, the long going ongoing terms there. However, when we do look at, especially with power with insurers, when you are getting essentially a high amount of, say, life PPD, critical illness, and income protection, depending on the amount in your age, once you kinda get up above those sort of 2,500,000 mark to 3,000,000 mark, they actually start having mandated financial and medical underwriting. Did you want me\n\nChannel 1: Yep.\n\nChannel 0: to, if your goal exceeds those, look at maybe showing you what the reduced amount looks like to keep you under those limits, or would you like to see both?\n\nChannel 1: Yes. So what what is the financial and medical underwriting?\n\nChannel 0: So\n\nChannel 1: Accountable. So\n\nChannel 0: mandated\n\nChannel 1: medical, they're\n\nChannel 0: medic.\n\nChannel 1: just getting health checks to make sure they still\n\nChannel 0: Yeah.\n\nChannel 1: wanna absorb me, I imagine. What's the financial one?\n\nChannel 0: Yeah. Financial is looking at essentially your assets and liabilities, making sure that what you have or what you're applying for matches what you realistically need. So they'll wanna see, you know, what your assets and liabilities look like. They'll wanna know, you know, a bit more about your income coming in and things like that. Generally speaking, given your age, because you are still quite young sorry.\n\nIt's around about that 2,500,000 mark, so I could look to just keep the the amounts under those mandated financial limits if you like to make sure that you don't have to undergo any additional underwriting that's not required as part of the application.\n\nChannel 1: Yep. Okay. How how close would I be to that number already? Is it\n\nChannel 0: You were pretty close. So when\n\nChannel 1: What?\n\nChannel 0: I looked at it last time for life and TBD to keep you above the tax level for TBD, we were actually needing to apply for 2.8. So I could reduce it back a little bit just under the 2.5 to limit any financial underwriting that isn't, you know, that you don't need to go through. Realistically, if you don't hit those limits, they don't ask to do any financial underwriting, And medical underwriting only only comes to play if there's something in the application that flags that they need to assess for you. But if you apply for really high amounts above that 2.5 to 3,000,000 mark, Because they are taking on a lot more risk with regards to the amounts they have to pay out, they wanna make sure that that you are healthy, that they are you know, the risk they're taking is worth it. So that's why they have those stipulations on those higher\n\nChannel 1: But I'm\n\nChannel 0: sums\n\nChannel 1: but I'm\n\nChannel 0: insured.\n\nChannel 1: not just looking for a big payout or something like that there.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Yeah. Basically.\n\nChannel 1: it but\n\nChannel 0: Yeah.\n\nChannel 1: it but it does map what I'm yeah. What my\n\nChannel 0: Yeah.\n\nChannel 1: financial side does. Yeah. Okay. Thanks,\n\nChannel 0: Did you want me I can look at both if you like. I can look at recommending what you need and showing you the cost of that, but then in the appendix, I can always put down, you know, the difference if you went just under those amounts.\n\nChannel 1: Yeah. If you put the option in there about what it looks like just under because I think what if we just go under it just means I'm losing out more on the tax side if something was to occur at and\n\nChannel 0: Yeah.\n\nChannel 1: then\n\nChannel 0: Yeah.\n\nChannel 1: later. Right? That's\n\nChannel 0: Abs\n\nChannel 1: that's\n\nChannel 0: absolutely. Yeah. Just for TPD, but, realistically, I mean, if you were to claim on TPD, we're gonna help you with that claim. But then I'm also gonna give you advice on what to do with the funds to help you limit the tax consequences there. So we can\n\nChannel 1: Yeah.\n\nChannel 0: do everything in the event of a claim to help. And the biggest risk with having TPD or any insurances is that you pay all the premiums for years and years, and you never actually claim on them. And then you\n\nChannel 1: Yes.\n\nChannel 0: discover\n\nChannel 1: Correct.\n\nChannel 0: you don't need them anymore, and they just get canceled too. So yeah.\n\nChannel 1: Yeah. I was That's part of the thing. Right? Just making these changes. It'll be Will affect my net cash flow.\n\nRight? It's the thing that's in the back of my head as well in finding that balance.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: A hard\n\nChannel 0: Absolutely.\n\nChannel 1: one.\n\nChannel 0: Yeah. That's okay. If you like, I can go back and do the recommendation based on what you actually need and show you the effect of that, but then I can also go back for you if you like and do the just under those limits and show you the difference, one in the recommendation and then one in the appendices, then you can decide which way you wanna go with that. Does that sound okay?\n\nChannel 1: Yeah. No. That sounds good.\n\nChannel 0: Yeah. Beautiful. Excellent. So I'll get on to that one for you, and we'll have that advice document sorted out. It's only a small change to make, so we'll go back and have that updated for you.\n\nIt's not a problem at all. Easy. All good. And with contributions with your new employer, are they just paying the standard 12%? You're not getting anything additional on top of that at the moment?\n\nChannel 1: Just just standard. Yeah. They're still a\n\nChannel 0: Yeah.\n\nChannel 1: still a private company, so they're not wanting to give me more\n\nChannel 0: Yeah.\n\nChannel 1: than what they have to.\n\nChannel 0: No. Understandable. Understandable. All good. Well, that is not a problem.\n\nI'll go back and read you those numbers there for you, and I'll be able to have the advice document done. I'll book you back in for two weeks. Is there a preferred day or time to go through the updated advice there with you, Matthew?\n\nChannel 1: Let's does this same time in two weeks look okay for you?\n\nChannel 0: Yep. So we're looking at Monday at 03:30. I do have an appointment that time, but I could do the 05:00 appointment afterwards if you prefer, or I could\n\nChannel 1: Yeah.\n\nChannel 0: do the\n\nChannel 1: That's\n\nChannel 0: Tuesday,\n\nChannel 1: good.\n\nChannel 0: the twenty sixth.\n\nChannel 1: No. Private box should\n\nChannel 0: Oh,\n\nChannel 1: be fine. Hold on. That's one second,\n\nChannel 0: that's okay.\n\nChannel 1: I think.\n\nChannel 0: That's okay. So\n\nChannel 1: You know\n\nChannel 0: sorry. I just realized\n\nChannel 1: what?\n\nChannel 0: it's only one week. Two weeks is the June 1, and it's fine. Sorry.\n\nChannel 1: No. That's what I was gonna say. No. That's that's day doesn't that day. It was the twenty fifth what it was for me.\n\nChannel 0: Oh, no. All good. So I'll pop that in there for you for 03:30. No. You are oh, you are absolutely fine.\n\nI've popped that one in there two weeks for you. My apologies. The month is flying by. It's crazy how fast everything goes. Beautiful.\n\nChannel 1: I'm sorry.\n\nChannel 0: All good. Well, perfect. So the advice, everything's good to go. I'll just go back and rejig that for you and have it ready on the June\n\nChannel 1: He's\n\nChannel 0: 1 at 03:30. That's not a problem at all. Is Camille there? Did she wanna jump on to Hot Chat about the the investment side of things and the subdivision?\n\nChannel 1: just he's just just\n\nChannel 0: I'm sorting\n\nChannel 1: walking\n\nChannel 0: out the kids.\n\nChannel 1: the door, so\n\nChannel 0: Oh, legend.\n\nChannel 1: he's got the side one a second.\n\nChannel 0: Yeah. You're right. You let me know when. Not a problem at all. If you if with the kids there, if they are, you know, you need a minute, just tell them to stop.\n\nIt's not a problem.\n\nChannel 1: That's right there. I'm speak doing the decompressing. Watching watching\n\nChannel 0: Love it.\n\nChannel 1: these things after a big big\n\nChannel 0: Yep.\n\nChannel 1: dad too. So\n\nChannel 0: Big day at school. Gosh.\n\nChannel 1: as long as they play nice with each other, that'd be fine.\n\nChannel 0: That's it.\n\nChannel 1: Yeah. We're no. We're finding ourselves an interesting thing at the moment, I guess, because\n\nChannel 0: Yeah.\n\nChannel 1: I look at I look at how much I'm making and I go, I don't feel like I'm making the amount that I can see on paper at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Yep.\n\nChannel 1: trying to figure out options and what else I can do.\n\nChannel 0: Yep.\n\nChannel 1: And looking at it going what's some comment? Yeah. So looking looking at it and just going, okay. I know my soup is very healthy for someone my age, which is great.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But but, yeah, it can we're trying to figure out should we be doing anything else and now looking at what comes through the budget that sort\n\nChannel 0: Yes.\n\nChannel 1: of change of thoughts as well.\n\nChannel 0: Absolutely. Absolutely. And that was the one thing because I know we booked this appointment prior to the budget coming out last week, and then I was looking through it going, oh, no. This is gonna affect our conversation pretty heavily,\n\nChannel 1: Oh,\n\nChannel 0: actually.\n\nChannel 1: that's it. I I I thought about that as well when I heard what they brought out. I'm like, I I I've got a feeling that we'll probably touch on some of those. We'll probably touch\n\nChannel 0: Yes.\n\nChannel 1: on some of those\n\nChannel 0: Yes.\n\nChannel 1: things.\n\nChannel 0: Yeah. Definitely. So one of the things that obviously, when you're talking about you've you know, you're making a really good income at the moment. You're wanting to look at ways to invest. Are you sort of hoping to be able to maybe reduce some of the taxable tax that you're paying towards your income, kind of free up some extra cash flow?\n\nWhat's the with purchasing another property or subdividing?\n\nChannel 1: Look. And this is this is probably where we're a little bit stuck because we're going we we like the place we're in right now, but just because of the kids' needs, etcetera,\n\nChannel 0: Yes.\n\nChannel 1: we've got them in school on the other side of the of the other side of Brisbane right now because\n\nChannel 0: Yes.\n\nChannel 1: that school does stuff with Auslan and stuff for our daughter. And we like\n\nChannel 0: Yeah.\n\nChannel 1: we like where we're living right now, but the the commute backwards and forwards and jumping around that way we're going, would it be easier if we got a pace closer? If\n\nChannel 0: Mhmm.\n\nChannel 1: I look to go on sale right now, I need to buy in the same market and I probably end up losing money to be fair. It's because\n\nChannel 0: Yeah.\n\nChannel 1: it's like for like everywhere. So there's more we think we know the options in our head, but we wanted to go off. I've got I've got financial planning advice and thought\n\nChannel 0: Yeah.\n\nChannel 1: through\n\nChannel 0: Of\n\nChannel 1: you\n\nChannel 0: course.\n\nChannel 1: guys, so I could actually make use of it. And\n\nChannel 0: Yeah. No. Absolutely. Definitely. So\n\nChannel 1: and\n\nChannel 0: you've\n\nChannel 1: the\n\nChannel 0: been looking sorry. You're right.\n\nChannel 1: So the interesting part is since we bought this place, I mean, it's Brisbane value a lot. So what realestate.com reckons at 1.45, I think it was, when I looked at it just on over the weekend or Friday. And\n\nChannel 0: Yeah.\n\nChannel 1: so, I mean, that what we bought 09/20 and we looked at 1.45, that's decent growth. I mean, we've got a\n\nChannel 0: Yeah.\n\nChannel 1: we've got a mortgage on it of still 700,000. So that\n\nChannel 0: Yes.\n\nChannel 1: that that chips away. Right? But the other thing that's happened since we bought was we have got there's been planning changes here that I could potentially go and look at getting the block cutting to because of the rezoning here, or at least it's something\n\nChannel 0: Yes.\n\nChannel 1: I could potentially look into a little bit more, but I don't know how that leaves things open at the same\n\nChannel 0: Yeah.\n\nChannel 1: time.\n\nChannel 0: Yeah. Absolutely. Well, I've done I've got a bit of information here on the the side around the subdivision side, and it's not a bad idea, realistically. And under the budget, that does meet, you know, the idea of being able to negatively gear and also utilize the 50% CGT method because that's one of the big things we wanna look at is, you know, if you were to go and buy another property, another preexisting property, whilst buying that now still allows you to negatively gear until this bill goes through or if it goes through with the current, you know, amendments. Exactly.\n\nOnce this bill then goes through, that changes everything that you're able to do, and then you've purchased the property. And markets a lot of markets are currently starting to have a bit of a decline. So I know Sydney and Melbourne have started to see a bit of a decline, so Brisbane will, at some point, see some sort of a decline as well. So it's about kinda just making sure that whatever you're doing now to get an investment is gonna be okay for the long run. You don't wanna kinda get to July next year and discover everything goes through, and then you can no longer know, it's gonna cost you more money.\n\nSo, realistically, in order to subdivide, are you okay if I start running through the information now? Or\n\nChannel 1: Yeah. That's fine. Yeah. Camille will see yourself.\n\nChannel 0: yeah?\n\nChannel 1: But Hi, Camille.\n\nChannel 0: Oh, beautiful. Hi,\n\nChannel 1: Hi, Camille.\n\nChannel 0: Camille. How\n\nChannel 1: Sorry.\n\nChannel 0: are you?\n\nChannel 1: Please please snap me in my little\n\nChannel 0: Oh, no. All good. So, realistically, in order to subdivide, most of them take anywhere up to about two years. Majority is around about eighteen months. The process generally starts where you're looking at the initial planning and research, which depending on how things go and, you know, if things stay on time, can normally happen within about one to two to three months.\n\nYou're looking at consulting with professionals like land surveyors, conveyances to understand the feasibility of the subdivision plans, looking at rezoning laws and making sure that your plans are in line with those sorts of things, making sure the property is eligible for subdivision, accessing infrastructure to determining if there's any additional infrastructure or utilities or public spaces or anything that need need to be added into the area or into the the land to be rezoned and subdivided. And then starting the pre application after that point, which is essentially looking at engaging a surveyor to make sure the application's done correctly with the proposal for the subdivision, looking at initial surveys and gathering all that data to have lodged with the pre application. Then application stage can take anywhere from two to four months if on point. It also comes down to what your council is like and how often they approve things or, you know, what backlog they may be having at the moment as well. And going\n\nChannel 1: Yep.\n\nChannel 0: down the track with what's happening in the budget, this could become a little bit more prevalent, as there are gonna be so many stipulations around what investors can essentially do. So once you're kind of in that can essentially do. So once you're kind of in that application stage, you're lodging the application for it. So it's preparing, submitting, looking at waiting for council assessment, and then often just going back and forth, making changes to the plan if it's not up to their standard. They wanna make changes or if zoning requires new things, so updating the plans when need be.\n\nIf all goes well within about sort of three to six months, you can have that conditional approval, which is fine, And then it's sort of looking at address addressing any additional council conditions if they've stipulated additional conditions to the plan or if they've stipulated any additional conditions to the building. Looking at setting up the infrastructure, so organizing builders and things like that to to make sure that everything's in line with it. And then it sort of starts going down the the subdivision route, and we're looking around about, you know, another five to six months to go through the, you know, the preparation of the land, the lodging of the registration of the title. We're looking at the sorry. My throat is still happening.\n\nWe're just looking at, you know, all the different factors there and then the building of the properties as well, so making sure that everything sort of stays on track with that. Most of them take anywhere from eighteen months to just over two years. I have seen some take a little bit longer. Subdivision is a good idea if it's something you wanna do. It does keep in line with the budget, and one of the things that allows you to, a, utilize negative gearing, but also the 50% CGT or lets you choose between the 50% CGT or the indexation method is essentially where a duplex is constructed so you're knocked down and rebuild.\n\nSo you have to be willing to knock down your current property and rebuild two properties because you have to add to the housing market. So one of the non eligible conditions under the budget is that you can't put on a granny flat or another house in your backyard. You have to physically complete a full knockdown and a rebuild of that property. So you might need to look at buying something as your main primary residence beforehand and then going to the process of the subdivision as well, which depending on sort of what you're after, can put a bit more of a strain on the budget. You are sort of outlying.\n\nI know with most building loans, you pay they don't sort of rec need you to pay anything a lot back in the in the early end. Everything's sort of done in stages. So you would be paying normally. Could depend on the loan you get, but it's normally interest only until the handover of the property and the property is completed, and then you start paying PNI if that's the way the loan is set up. Often, repayments can be a little bit easier, and drawdowns happen as soon as, like, one section is approved by, you know, the builder.\n\nOnce the builder is completed, he gets it reviewed and checked. And once that's being checked and it's approved, then the next stage happens, and the banks require certificates at each stage to allow different drawdowns for you. So that is definitely one way of doing it. Another way is obviously looking at home and land packages. So I know they are a lot smaller.\n\nThey're a lot different. I'm not sure what they're like in your area, but you could also look at maybe buying a home and land package or two or something. If you're looking to sell your property, maybe buy, you know, a new house or something for yourselves to live in, and maybe if you still want an investment property purchasing, like, a home and land package somewhere. That way, you are still buying a brand new house. It's still giving you eligibility for that negative gearing, and that's probably one of the big things.\n\nIt's the negative gearing. That's the way the the rental property goes for you, helps you to save on the amount of income tax you are paying, can provide a greater tax deduction each year. And that's one of the main reasons investors have property is to take advantage of those tax deductions to put as much money they can to the into the investment property and sort of save on their income tax, especially when you are a high income tax payer. But like yourself, you're on a very\n\nChannel 1: Yeah.\n\nChannel 0: high income. So\n\nChannel 1: I'm\n\nChannel 0: but\n\nChannel 1: on\n\nChannel 0: in\n\nChannel 1: the\n\nChannel 0: order\n\nChannel 1: top I'm\n\nChannel 0: to\n\nChannel 1: on the top track at the moment. I'm pretty sure. Well, no. I've got myself back down a little bit by getting the car on there. That helps.\n\nBut\n\nChannel 0: Yeah. Yeah. That one ninety is that cut off at the moment.\n\nChannel 1: yeah. It's\n\nChannel 0: Yeah. But yeah. I mean, the subdivision's not\n\nChannel 1: Yeah.\n\nChannel 0: a bad\n\nChannel 1: Sorry.\n\nChannel 0: idea. It's more just about how much time you have to put into that. Generally speaking, the average cost of this is about a 150,000. That's not including rebuilding another another property on the land. So you'd need to make sure you've got that capital upfront.\n\nI would definitely speak to a mortgage broker and look at maybe what your borrowing capacity looks like, and maybe have a chat with some real estate agents and see in the area and find out if you were to sell the property, what would they get for it, how quick are they selling properties, and is this a, you know, a good idea for the area at the moment, you know, with your with your houses and if it's in a good family area close to schools and parks and things like that, it might be really quick to sell off. So properties are still selling. I know housing market has sort of decreased in a lot of areas, but real estate agents are still selling properties. People still wanna get into the market. So it could still be a good time to assess that, but it just comes down to the time capacity you have to do this to liaise with the conveyances, with the builders, with the land and titles office, and with your local council to make sure all the plans go through.\n\nThere's often quite a lot of back and forth as well. I have seen a few where it's taken longer than the eighteen months to two year mark because it's got a lot of back and forth with the plans. There's had to be changes made to it or councils decided that something's gonna happen with that that area, and they've decided the subdivision is not gonna be viable and not gonna go through. So it just sort of comes down. There's a lot of factors that can go into it, but it's not at all a bad idea for something you wanna do.\n\nIt might just mean you'd have to maybe buy something to live in as your main primary residence first. That\n\nChannel 1: No.\n\nChannel 0: way, you've got you've got that capacity to go through the subdivision and knock down the house and then build those two properties. That way, you are still meeting those conditions under the new legislation if it goes through.\n\nChannel 1: Yeah. That's now look. I I think She said you'd have to know family staff. Is that okay? To avoid the taxing fees.\n\nYeah. So so even even if the block was split in two, does\n\nChannel 0: Yeah.\n\nChannel 1: does that still\n\nChannel 0: Mhmm.\n\nChannel 1: require this one to be knocked down? Because it's not\n\nChannel 0: It does. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Because\n\nChannel 0: under the\n\nChannel 1: it\n\nChannel 0: under the eligibility for the new build, they've given four conditions. The first one is a newly constructed apartment bought off the plan, a duplex a duplex constructed through a knockdown and rebuild, replacing a single freestanding house, which is where the subdivision side of things comes into. Or if you don't decide to subdivide and you wanna keep it as one titled property and you can just then look to maybe knock down the house and build through, you know, duplexes whether it be attached without the subdivision side of things, but it still has to go through council approval to be able to look at that. The other two conditions under the new legislation, if approved, is any residential construction on a previously vacant land so you could buy land somewhere else and maybe build on it that way as well.\n\nChannel 1: Yep.\n\nChannel 0: Oh, the last condition is a newly built property which is occupied for less than twelve months before being first sold. So if someone else has maybe built a house or, you know, build a house in the short term and they've only owned it for less than twelve months and then then they sell it on to you, then that still meets that condition of a new build as well. Under the section where it's not eligible for a new build, they've got an established property that has recently been extended to add additional bedrooms, a freestanding house constructed through a knockdown and rebuild replacing an older, smaller freestanding house. So if you were to knock down your house and rebuild it basically and add some extra rooms, it doesn't quite qualify.\n\nChannel 1: Yep.\n\nChannel 0: A granny flat built adjacent to an established property that is not eligible for negative gearing, so they don't let us build a granny flat in the backyard and rent that out, unfortunately.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: then\n\nChannel 1: different patients on that in Brisbane anyhow. A lot of people didn't follow the rules, but yeah.\n\nChannel 0: yeah. And then the last one there is a newly built property, which has been occupied for more than twelve months. Doesn't meet that criteria either, unfortunately.\n\nChannel 1: Okay. So the\n\nChannel 0: Yeah.\n\nChannel 1: so because do many people split the land and then just sell off the second bit of land rather than building? Does that ever work out profitable\n\nChannel 0: Yeah.\n\nChannel 1: or not really?\n\nChannel 0: Yeah. It can do. The biggest thing I tend to find, though, is you make more when you've gone through the process of building something. So selling vacant land tends to be a little bit harder because then people have to go through the zoning and the planning process to build a property.\n\nChannel 1: No.\n\nChannel 0: So if you were to, you know, subdivide, build two properties, and sell one off, you're probably gonna make a little bit more money in your area doing it that way. People tend to like to be able to move into a house pre done than starting from scratch, especially, you know, in built up areas like the Gold Coast and Brisbane. It just seems to be a lot easier, and building can take a bit of time. I know there was a couple of years ago quite a backlog in building, so I'm not sure what the construction industry looks like in your area at the moment, but so long as they don't have a huge backlog, it could definitely make things a little bit easier. The other side of it is if you're not too worried about the negative gearing side of things, you could always just buy this investment property to start with, look at building that up.\n\nWith the changes that are proposed, you won't be able to use the negative gearing. So you won't be able to claim the tax deduction for the difference between your rental income and the cost you outlay for that, but that difference will be continuous. It's essentially looking at, like, being a loss, and they will essentially keep that loss carry forward until you sell the property. And even when you sell the property, whilst they will have it, if this goes through, that it will have to use the indexation method, that loss will be carried forward continuously. So you can offset that against the gain that is made when you sell the property.\n\nSo that could provide a bit of a, yeah, a little bit less of a capital gain down the track. It just kinda comes down to is if this is implemented with no changes, what changes come into play. The other side of this is they may go through this because it's a bill at the moment. It's then gonna go to the lower and the upper house. It may get to these houses, and it doesn't go through as it is.\n\nThey may have to make changes to this. So it could even be worthwhile if you guys just hold off. I know it's, you know, a little bit down the track, but if we just hold off for a few months and see what what's going through with the legislation, what it looks like it's gonna turn into, that way we're not sort of jumping into something and going, hey. Let's start this now. Then changes come to the bill, and it does and it affects you a little bit too much.\n\nSo there's\n\nChannel 1: Yeah.\n\nChannel 0: also that risk that there are changes that could happen to this bill as it goes to the lower and the upper house in order for it to go through as well.\n\nChannel 1: Yeah. Because, I mean, I think the originally, the reason we started thinking this way was what if we what if we bought close to the school, but we wanted to we were trying to figure out a way that maybe we can still hold on to the current property because we like the area that it's\n\nChannel 0: Yeah.\n\nChannel 1: in to come back to once the kids are out of school or or things like\n\nChannel 0: Yeah.\n\nChannel 1: that and bring were there ways to offset that where it wouldn't stretch us too much. And I think that's where we're going, oh, well, could we could we split this one into two and we keep it because we like the location and either sell off or rent\n\nChannel 0: Yeah.\n\nChannel 1: off or rent rent out this one that we're in right now and sell off the other one or yeah. Trying to think of where where we can do it where, like, we don't have the 150,000 sitting around. I mean, we've got yeah. What do we got? Probably fluctuates between 5 to 10 depending on what's\n\nChannel 0: Yeah.\n\nChannel 1: what's going on with\n\nChannel 0: Yeah.\n\nChannel 1: the pit. But\n\nChannel 0: Yeah. Absolutely. It's a lot\n\nChannel 1: yeah.\n\nChannel 0: of money to sorta have start off with. I mean, you could borrow for that, but it would then sort of lock you into doing something and following through. The bill biggest risk we have at the moment is with this legislation just coming out last week with the budget. It's just that it's just the bill at the moment, so we have to wait for it to start going through to sort of see what's gonna happen,\n\nChannel 1: Yes.\n\nChannel 0: whether changes are gonna be made, whether it's even gonna go through. Because the other side is if this doesn't go through and there's no changes to the negative gearing, then you could essentially keep the property you have, buy yourselves a new property, rent that out, and still take advantage of that negative gearing side of things and just buy something for yourself, which could be a much more cost effective way for yourself. Essentially, with the property you're in at the moment, if you were to buy something else as your main primary residence, you start renting that one out. The loan you have on that property immediately starts to become a an investment loan for yourself. You don't have to restructure the loan if you don't want to.\n\nSo there is that advantage, and it might be more cost effective as well. But, yeah, the biggest risk we have at the moment is that there's just too many unknowns with this bill with what's gonna happen, and jumping into things now could mean that we, you know, have a bill that goes through with changes, which meant that, you know, depending on what you go with, it might not qualify. We might have to make changes to it. You know, this could maybe not even go through. It really just depends.\n\nIt looks like at the moment they could have enough it looks at the moment the lower house has enough support for it, but there's it could go either way when it gets to the upper house. So we just do not know what's gonna happen with this at the moment, and this is probably the biggest thing that sort of affects what you can and can't do. The other option is if you do decide, you can just look at, you know, keeping the house you're in now, making it into a rental or an investment property, and positively gearing it. The only then risk factor is you are increasing your income tax because you're increasing the the income that's coming in, and that could mean you pay more income tax, which is probably not preferable for you guys.\n\nChannel 1: Yeah. Is there is there ways to it's tricky with that budget that came out. Right? Because we don't I just\n\nChannel 0: Mhmm.\n\nChannel 1: don't don't know whether it'll pass or not. It's it's raising\n\nChannel 0: Correct.\n\nChannel 1: a lot of raising\n\nChannel 0: Yeah.\n\nChannel 1: a lot of ire all over the place. Plenty of people are commentating on it. But\n\nChannel 0: Yes.\n\nChannel 1: so even if we bought a new place and change this one into an investment, in theory, that would still be hit by the new legislation coming out.\n\nChannel 0: Mhmm.\n\nChannel 1: Right? Or if\n\nChannel 0: It\n\nChannel 1: it does\n\nChannel 0: would yeah. Because\n\nChannel 1: yeah.\n\nChannel 0: in order for it to be exempt from the new changes, if they go through, you need to have owned the investment property prior to the 05/12/2026 at 7PM when the budget was released. So anyone who currently owns the property is absolutely fine. They'll be able to grandfather their negative gearing, and it doesn't have an end date at this point in time. There could be changes. They could have an end date.\n\nBut anyone who buys a property now, between now and, say, the July 1, whilst right now with this bill not being through, not being legislated, you can make it here in the in this financial year and next financial year up until the 07/01/2027 depending on whether the bill goes through. But then it means if this bill goes through as of the 07/01/2027, that will stop, which means that people will either need to increase rent to cover it or they'll be essentially negatively gearing a property and carrying forward losses until they sell that property. And then they'll have to, you know, hopefully, not pay as much tax. But it just it it's such an unknown. And with\n\nChannel 1: It's a\n\nChannel 0: the\n\nChannel 1: really good record to track how much loss you've got each year.\n\nChannel 0: yeah. Yeah. And with with well, the ATO will track it. Like, well, you sort of still have to put everything into your tax return to show how much you're spending, how much you're making, what's happening. It just means that the gains will be carried forward, and there'll be a record of that.\n\nBecause whenever we sell a property, you still have to declare that to the ACO. It just depends on when we declare that, we either either stated the main residence for an exemption or it was, you know, purchased at a certain point in time or we add in a few additional optional extras to kind of show how much we have to pay. And the ATO kinda work it out, but there's a few things that we do when we do sell properties. But, yeah, it all comes down to is this legislation going to go through, and how does it go through? Are there any changes?\n\nAnd that is the biggest risk at the moment is what happens with this legislation and how is it going to affect people. So I'd be more inclined to suggest maybe just to hold off for the time being, keep saving money for the moment, and let's just see how the next sort of six to twelve months go with this legislation. What does it look like? And when you get close to understanding what the legislation's gonna look like as it goes through if it goes through, then it'll give you more certainty around what you can and can't do with investments and how to make that work for you. Does that make\n\nChannel 1: Yeah. No. That makes sense. Just\n\nChannel 0: sense?\n\nChannel 1: just out\n\nChannel 0: Yeah.\n\nChannel 1: of interest,\n\nChannel 0: Yeah.\n\nChannel 1: assuming it does go through,\n\nChannel 0: Yep.\n\nChannel 1: what sort of what's I'm assuming you guys have been doing thinking about what vehicles might be best for, a, reducing\n\nChannel 0: Mhmm.\n\nChannel 1: taxable income for high income tax owners and and sort of creating those other investment streams outside of properties, seeing negative gearing has\n\nChannel 0: Yep.\n\nChannel 1: been popular for so long. What's the\n\nChannel 0: It has been.\n\nChannel 1: what's the what's the thinking? I'm sure you guys would be busy trying to think up what what happens and because you'd have to\n\nChannel 0: Yeah.\n\nChannel 1: be pivoting a lot of people. Right? So\n\nChannel 0: Yeah. It\n\nChannel 1: what\n\nChannel 0: is really tough because normally, it sort of go towards trust, family trust,\n\nChannel 1: Yeah.\n\nChannel 0: and things\n\nChannel 1: And I've hit\n\nChannel 0: like\n\nChannel 1: the\n\nChannel 0: that.\n\nChannel 1: truck as\n\nChannel 0: However,\n\nChannel 1: well. Yeah.\n\nChannel 0: the the family trust is also supposed to get hit. So at the moment, family trust, when you have one, in income goes or the whatever's owned by the family trust makes the income, and then the income just gets distributed to the beneficiaries. And you can work the trust so you distribute income to lower, you know, to lower like, if you between yourself and\n\nChannel 1: Yep.\n\nChannel 0: Camille, if Camille's on less money than you, you could put more income to her at a lower tax rate than yourself, and you can distribute that those funds to income in a much more conservative way. However, with the new changes, trust are gonna have to pay income income tax at about 30%, and then it gets distributed out. If it gets distributed to an individual, then the income distributed to the individual gets added to their taxable income. They do\n\nChannel 1: Yep.\n\nChannel 0: get a bit of an offset. Or if they're on a higher tax rate, they might have to pay the difference between the 30% and their marginal tax rate. But if they're under that if they're under that sort of 30% tax rate, then they should be able to get a bit of a break or a bit of an offset for it. But if it's a company, then the inside the trust, they pay that 30%, and then the income is distributed to the company, and the company still has to pay their tax rate at 30% as well. So it does work out a lot harder.\n\nThe other side of opening up a trust is that you don't wanna buy a property and then open a trust. Realistically, it's best to open a trust and then buy property because if you buy property in your own name, then open a trust, you're changing the ownership structure, which means you've gotta look at capital gains for yourself for transferring the property in. You've also gotta consider stamp duty and things like that. It's basically the trust ends up buying the property from you, and it can have tax consequence effects there as well. So there are definitely structures that we can use, the structures we like using as advisers, but right now, unfortunately, the the the new bills are kind of hitting the tax side for all of those structures except\n\nChannel 1: Yes.\n\nChannel 0: the company at the moment. So the other thing is a lot of property investors I've met in the past have set up companies, and they've bought properties under a company, but then you've also got a note that's another income stream, another business that you're an employee of. So there are tax consequences around that side of things. So we just have to at the moment, as an adviser, we're just watching this very closely to see what it might look like and how it's gonna affect, to see where which way we go for different clients depending on their goals. It's a very fun time.\n\nI tell you what.\n\nChannel 1: Yeah. I'd imagine they're keeping you on your toes at the moment. It's\n\nChannel 0: Absolutely.\n\nChannel 1: it's specifically it's typically targeted to hit hit these areas where people have made money, right, at the end of the day. And it's\n\nChannel 0: Absolutely. Absolutely. And, I mean, look at they could there's a chance that none of this may go through. There's a chance that it might not go through at all, but there's also the risk that it will go through exactly as it is. And anyone who's jumping on board or hasn't already got an an investment property won't be able to negatively gear once we kinda get to that point if this all goes through.\n\nSo there's just a lot of uncertainty in the air, which has all been created in the last couple of days, and it's all just about watching and waiting to see what happens. I've got another client who I suggested just hold off. Just wait. Let's just save your pennies, put some more money into your offset account. Let's just sit there for the moment because if we make a move now, it could be the wrong move, and we don't wanna do anything rash just because of the legislation that could go through.\n\nSometimes it's best to just to hold off and wait. We could be lucky. We could find out if this goes through. It could entice property prices to to drop a little bit. There could be a mass sell off, which could, you know, increase the amount of property in the market, and we could see property prices decrease a little bit as well.\n\nSo there's a few different things that could come from this depending on how it goes, but I'm just sort of glued to watching every move they make with all these to see what what is possibly gonna come out of it because there's just so much uncertainty currently.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So unless unless we're able to find so essentially I I just I'm just just thinking. So if\n\nChannel 0: Yeah.\n\nChannel 1: if it I get it that if the bill comes into play, then we gotta assess. And then if the bill comes into play, then it would be financially, our best thing would be to knock down and build two properties or something like that or rent and then take losses. But if the bill what I'm just curious. If the bill doesn't come through, what would be what would be the smartest financial move for us if we wanna, like if things\n\nChannel 0: Yep.\n\nChannel 1: don't just\n\nChannel 0: If\n\nChannel 1: out of\n\nChannel 0: the bill\n\nChannel 1: here.\n\nChannel 0: doesn't you're right. If the bill doesn't go through, your goal essentially is looking at getting a bigger family home for yourself. So if the bill doesn't go through and, realistically, what you could do, the easiest and cheapest option would be to buy a property, your next family home, keep as your main residence because you're likely gonna have a higher loan on that property, and the loan on your main primary residence is nontax deductible. And then the loan you have on the property you currently have becomes tax deductible, keep that property, and rent it out, and hopefully try to negatively give that a little bit so that, you know, you get those tax breaks there. That would be the most cost effective way to meet that goal.\n\nIt gives you a new family home, hopefully, something that's bigger that suits you guys a bit more closer to the area that you wanna be in, and then you can still keep that property you have at the moment that that you really enjoy and just, you know, know, rent it out for a bit of time until you know? So so much time you decide you don't wanna subdivide or you wanna sell it off or depending on what your goals are down the track. But if this bill doesn't go through, that's generally the easiest option and the cheapest option and the fastest option to go through.\n\nChannel 1: What's the most financially smart option for, like, financially in the future sort of\n\nChannel 0: Yeah.\n\nChannel 1: thing? Or\n\nChannel 0: That that one would be. Subdividing in the future would be fine. It's just the the long term cost of it. You just gotta make sure that the cost is going to work to work for you. I could, down the track, if you like, provide a bit more advice around whether it's viable, but we'd need to understand a bit more around the cost of the conveyances, how much it's gonna cost to have all the conveyances and the mortgage brokers and the the cost of building and things like that.\n\nIf I can get a breakdown of all those costs individually, we can have a look at that as opposed to what you current yeah. You currently have with the house and maybe renting that out and see which option's viable. But, realistically, just look at your goal at the moment. It's keeping the property, renting it out. That gives you income faster.\n\nIt's less likely to be, you know, empty for a certain period of time by your\n\nChannel 1: Yep.\n\nChannel 0: other property. The loan you currently have, you can take some equity, sorry, out of your current property to help you buy another property so you can have, you know, your forever home or the next time that you guys are after in a better location, a bit bigger, in more in a more of a place that you're comfortable being. You can keep the the property you do have here that you do like as well. Rent that out. You get them to then negatively gear that property as well as have your sort of forever home over there, and it tends to be a lot more cost effective to do that.\n\nIt's also a lot quicker our process can be done in only, you know, one to two to three months as opposed to, you know, twelve to two years depending on how long it takes to go through the whole subdivision side of things, if that makes sense.\n\nChannel 1: It'll all just be dependent on what what banks will take\n\nChannel 0: Yeah.\n\nChannel 1: for serviceability and betting that you're not gonna be empty tenants\n\nChannel 0: Yeah.\n\nChannel 1: and all the rest. Right? That's where the risk comes in the benefit.\n\nChannel 0: Absolutely. Yeah. Definitely. So with serviceability wise, with the income, I would just sort of, you know, have a chat to a mortgage broker to find out what, you know, what they're sort of after. You can even have a chat to a mortgage broker now just in, you know, running up to it.\n\nWe can refer you to one if you like just to sort of have a look at what your current serviceability would look like at the moment. And then sort of down the track, depending on what happens with this bill, you can kinda get a bit more of an idea of which way you're probably gonna need to go to make it work for you guys in the best possible way.\n\nChannel 1: And remind me, if we if we pull equity out of this place to go and buy another one, does that\n\nChannel 0: Yeah.\n\nChannel 1: that equity that I pull out then goes on to this loan normally, right, which\n\nChannel 0: Mhmm.\n\nChannel 1: would then click into\n\nChannel 0: Yeah.\n\nChannel 1: investment?\n\nChannel 0: Yeah. Correct. So, normally, depending on how you they structure the loan for you, you can have it structured three ways. So to give you an example, my property loan is structured to three things. I've got my main primary resident loan.\n\nI then got an equity loan, and then I've got my investment loan. Because my equity loan was my property, it was the deposit for my investment property. Those two are considered I I've got those loans solely for the purpose of income producing. So they are the sorry. Not the principal, but the amount I pay interest on the loan is tax deductible.\n\nSo you can have a structured two separate ways so you separate the loans. They can also look to either cross securitize the properties so the property secure all the loans, or you can have you know, depending on how the the land to value ratio works, you can also have it set so it doesn't cross securitize. So your main primary residence is only security for that main primary loan, and then your investment property can be security for the other one. They normally have to cross securitize the equity because the equity comes out of the current property that you have.\n\nChannel 1: Yep.\n\nChannel 0: But that's often a small loan. You tend you can't usually use when they look at the equity loan to value ratio. They won't normally let you withdraw more than 80% of the equity to use as a deposit towards a new property. So they do tend to tell you how much you can limit on that, and then the rest becomes a loan.\n\nChannel 1: Yeah. That's right. So so\n\nChannel 0: Yeah.\n\nChannel 1: this place, for example, what the current mortgage is sitting at 700, but the\n\nChannel 0: Yep.\n\nChannel 1: the the rough value at the moment is what? 1.45. So\n\nChannel 0: Yeah.\n\nChannel 1: it's the 8080% difference of 1.45 take 700. Right? So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: so you'd be looking at\n\nChannel 0: It's about\n\nChannel 1: what's 80%?\n\nChannel 0: just\n\nChannel 1: What what's\n\nChannel 0: under\n\nChannel 1: 80%\n\nChannel 0: seven hundred.\n\nChannel 1: of 700? Yeah. I\n\nChannel 0: You're fine.\n\nChannel 1: don't\n\nChannel 0: My computer is a little\n\nChannel 1: mind.\n\nChannel 0: bit slow. It's a\n\nChannel 1: My\n\nChannel 0: bit late in the afternoon.\n\nChannel 1: mind\n\nChannel 0: If you're doing math off\n\nChannel 1: just\n\nChannel 0: the top of my head, I'll be\n\nChannel 1: froze\n\nChannel 0: honest with you.\n\nChannel 1: as well.\n\nChannel 0: 700.\n\nChannel 1: My brain just froze thinking about\n\nChannel 0: 80%\n\nChannel 1: it\n\nChannel 0: is 500 and\n\nChannel 1: as\n\nChannel 0: 60,000.\n\nChannel 1: well. Yeah. Yeah. So it still ends up being a a pretty hefty loan on the other side depending on how much things cost as well. Right?\n\nChannel 0: Yeah. Absolutely. Absolutely.\n\nChannel 1: So probably best bet at the moment would be to keep saving, scurrying things away. Or if if the commute does get too hard, it's probably better off just selling this place than buying somewhere new because otherwise, probably gonna be you won't necessarily be buying something bigger\n\nChannel 0: Yep.\n\nChannel 1: on the on the other side.\n\nChannel 0: Yeah. Yeah. Yeah. Definitely. Unless this all doesn't go through, there could be a whole another scenario as we kinda went through.\n\nBut right now with with everything that's set up in the air and the uncertainty around what's gonna happen, realistically, yeah, if you look at maybe selling your property, which is a main residence, so there's no CGT consequences to selling your main primary residence,\n\nChannel 1: Yep.\n\nChannel 0: and then buying a new property. And you can even buy a new property prior to selling your main primary residence and having a bridging loan, and there's still no CGT consequences. So your main primary residence is fully fully exempt for CGT consequences, which is good. And then we maybe look down the track at other investments and see what we can do depending on what the, you know, what your goals are and what the legislation says we can do.\n\nChannel 1: Reason I say bigger doesn't mean bigger, like, looking at stuff. So context where we'd be looking the houses of similar value where we'd be wanting to move into. So,\n\nChannel 0: Yep. Yep. Yep.\n\nChannel 1: yeah, it's not what I was thinking.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: If you get if\n\nChannel 0: No.\n\nChannel 1: you get\n\nChannel 0: Perfect.\n\nChannel 1: an equity if you get an equity loan here\n\nChannel 0: Mhmm.\n\nChannel 1: I mean, equity loans still charge at your normal interest rate, right, depending\n\nChannel 0: Yeah.\n\nChannel 1: on the\n\nChannel 0: Correct.\n\nChannel 1: outcome. And then\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: sorry.\n\nChannel 0: It's\n\nChannel 1: What\n\nChannel 0: structured as a bit of an investment. Investment loans can be a bit higher than main primary residence mortgages.\n\nChannel 1: So you'd\n\nChannel 0: But\n\nChannel 1: be going\n\nChannel 0: if you're gonna\n\nChannel 1: 700. That's in one point. If you have the 500 on, you're going another one. That's 1.2, and then you're probably looking all up. Yeah.\n\nYou'd need to be almost another million be almost at 2,200,000.\n\nChannel 0: Yeah. The other side of the other side of it is if you look to sell your your main primary residence and buy another property, you don't have to do the equity side of things. You can just get you know, you can look at the equity and structure it with a bridging loan. And then when you sell your house off, the bridging loan is completely covered. The equity loan, because you're buying a new a new PPR, is just a a PPR rate, which is lower than investment because you have the intention to sell off the main primary residence.\n\nChannel 1: Yep. Yeah. But I've I've done that rough rough arithmetic right in my head. Right? So if we were to\n\nChannel 0: Yep.\n\nChannel 1: keep this place as a rental, use the equity to help deposit on the other side, and then what if we're saying this is worth just shy of 1.5 and the places over where we're looking at these similar? That would leave a million gap from the equity, which\n\nChannel 0: Yeah.\n\nChannel 1: you'd have\n\nChannel 0: Yeah.\n\nChannel 1: to add on as a loan as well. And\n\nChannel 0: Yeah.\n\nChannel 1: so it'd be 2.2 finance all up. Is\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: Yeah. That sounds about\n\nChannel 1: am\n\nChannel 0: right. Yeah.\n\nChannel 1: I am I mathing that right?\n\nChannel 0: You are. Yeah.\n\nChannel 1: That's a scary number.\n\nChannel 0: You are. Yeah. I know. It's a lot, isn't it?\n\nChannel 1: Because then it really makes it this is where negative gearing comes in to help. Right? Because\n\nChannel 0: That's exactly right. Yeah. Yeah. Because realistically, if you've got an investment property and it's making an income, that income that is your your personal income from your employer, and it increases the amount of tax you've gotta pay. So if your property is not getting if you've got an investment property that's not the income coming in is less than what you're paying out in, you know, the mortgage payments, the interest, the fees for, you know, having someone look after it, like an agent look after it, then the difference of that is what the negative gearing is.\n\nThe difference of that is a loss. And at the moment, you can claim that loss against your personal ink, sorry, income. Sorry. My first did it so this afternoon.\n\nChannel 1: That's alright.\n\nChannel 0: But you can claim that loss against your personal income, which reduced your income tax.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. That's the way it works at the moment. But with those changes, that loss won't be claimable against your income. It'll only be claimable against capital gains. So it will\n\nChannel 1: When\n\nChannel 0: just\n\nChannel 1: you\n\nChannel 0: continuously\n\nChannel 1: spell it.\n\nChannel 0: carry forward until you sell it. Yeah.\n\nChannel 1: Which doesn't really leave you any better off even on yeah. Doesn't\n\nChannel 0: No. Absolutely.\n\nChannel 1: doesn't really have\n\nChannel 0: Yeah.\n\nChannel 1: as much of a net net benefit as what it does right now. Alright? Okay.\n\nChannel 0: Absolutely. Yeah. And you're sort of hoping that when you sell that property, if you sell it, that you're gonna make a profit. Whereas, you know, there have been instances where people have bought properties in Melbourne or Sydney, and whilst the market's gone up over ten years, that property itself or the area hasn't gone up as much, and therefore, they haven't made as much of a gain.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. There's a lot to think about.\n\nChannel 1: Okay. Yeah. I I mean, I'm I'm just glad this hasn't been wiped out completely with everything going on. I've been checking it every now and again. It's\n\nChannel 0: Yeah. No. Look.\n\nChannel 1: it's\n\nChannel 0: Honestly, it\n\nChannel 1: sort\n\nChannel 0: has actually done really,\n\nChannel 1: of\n\nChannel 0: really well. So\n\nChannel 1: bounced\n\nChannel 0: I've actually, as part\n\nChannel 1: down\n\nChannel 0: of this,\n\nChannel 1: and\n\nChannel 0: wanted\n\nChannel 1: back up.\n\nChannel 0: to yeah. Yeah. Just having a quick look because I did have, as part of the call, your annual review docs here as well for you to kinda give you an update on your super. And I'll send it I'll get to my team to send through the annual review docs shortly for you as well, which has your ongoing service agreement for the next twelve months there also. But when\n\nChannel 1: Yep.\n\nChannel 0: I have a really good look at it so you're super over the last twelve months. Everything generally has been performing quite well. All in all, Matthew, you're up by 11.19% net of fees. As earnings the earnings and growth in the portfolio, you've essentially made, $76,948.55. So your portfolio has done really well even through the market ups and downs there.\n\nChannel 1: Yep.\n\nChannel 0: Most of your portfolio performed quite nicely as part of the advice. I've actually gone back and made a little bit of a dig to your portfolio. We are the Benelon Australian Equities in there hasn't been performing as much as good as we would want it to be, so we are looking to remove that and replace that with a cheaper investment option, but still keeping access and exposure to the Australian equities. So I\n\nChannel 1: Yep.\n\nChannel 0: will show you that as part of the advice document, but just making a bit of a switch on the investments there. Just making\n\nChannel 1: Is\n\nChannel 0: sure that\n\nChannel 1: there\n\nChannel 0: we're removing\n\nChannel 1: is there\n\nChannel 0: anything\n\nChannel 1: any\n\nChannel 0: that\n\nChannel 1: other\n\nChannel 0: has underperformed. Sorry.\n\nChannel 1: any\n\nChannel 0: You're\n\nChannel 1: other\n\nChannel 0: at\n\nChannel 1: place of the budget coming through that might need where the sleep is invested to be\n\nChannel 0: Not\n\nChannel 1: changed as well? Well,\n\nChannel 0: really.\n\nChannel 1: is there\n\nChannel 0: It's\n\nChannel 1: anything\n\nChannel 0: just\n\nChannel 1: is there any any accounts or funds there that are real estate that are dependent on anything that could be affected by the budget? Or\n\nChannel 0: No. So thankfully, Super was kinda left out of it all, but they also have got that division two nine six tax now. So if you're Super gets up over 3,000,000, there's additional taxes there. But if you're at risk of getting up over 3,000,000, I will make sure I notice that for you, and we'll do what we can to hide the funds\n\nChannel 1: That\n\nChannel 0: when\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: was\n\nChannel 0: are\n\nChannel 1: the\n\nChannel 0: around that age of 60.\n\nChannel 1: that was the that was the original aim. Right? I think we were trying to get to by 60 to be at 4,000,000. Right? That was the that was the hopes and dreams\n\nChannel 0: The original\n\nChannel 1: when we started\n\nChannel 0: projection.\n\nChannel 1: that. Yeah.\n\nChannel 0: Yeah. Yeah. Yeah. And then, look, projections can change over time depending\n\nChannel 1: Yep.\n\nChannel 0: on what markets do. But, look, we're just trying to make sure we get you super to the best possible outcome. I'll keep looking at it. I'm part of this advice document. I've got a ten year projection for you to show you where we're heading over the next ten years because you are still quite young.\n\nI personally don't like to sort of project too far into the future at the moment. I think with the volatility, we should just stick to ten years and see how we go in that time frame and\n\nChannel 1: Yep.\n\nChannel 0: then make changes as we need to. But your super has done really well this year even with the ups and downs we saw. One of the biggest sort of down periods we saw was around about the March 28, which is when everyone sort of felt that really big dip. But your sleep has definitely recovered back from that, and I'm really happy that the return is received. So that's really good.\n\nChannel 1: Yeah. No. I I looked at that as well and I still made money, but even with the big chunk that\n\nChannel 0: Yeah.\n\nChannel 1: went down, it's good. I go\n\nChannel 0: Absolutely.\n\nChannel 1: and look at that and go, oh, I wish I wish I could wish I could go and throw that for other stuff now, but I'm like, I need to leave it there. It's like, I'll I'll be home when I retire. I'll just make\n\nChannel 0: Yeah.\n\nChannel 1: sure I live that long.\n\nChannel 0: Absolutely. Absolutely. No. All good. All good.\n\nWell, I'll get the advice updated. I know we've gone through a lot. And with regards to the investment property and the property side of things, there's a lot of unknowns, so it does make it very difficult to make a decision at the moment. But do you guys have any other questions? Have I answered those questions for you?\n\nIs there anything else you wanted me to look into or any other questions you might have?\n\nChannel 1: No. I think it's just yeah. The the budget sort of threw a spanner\n\nChannel 0: It\n\nChannel 1: in any of our thoughts, but the I think the big takeaway\n\nChannel 0: did.\n\nChannel 1: for me at the moment is I I was trying to I was trying to think of creative ways where we could get away with this without having\n\nChannel 0: Yeah.\n\nChannel 1: much capital built up behind us at the moment just because we don't have a huge chunk behind us. But\n\nChannel 0: Yeah.\n\nChannel 1: what what my takeaway is, and tell me if I'm understanding this right, is there's probably\n\nChannel 0: Yeah.\n\nChannel 1: no silver bullet for that with lack of capital. So\n\nChannel 0: Yep. Yep.\n\nChannel 1: maybe maybe what we need to think about is how do we get that capital built up. And are there are there other are there other ways apart from trying to scrounge money together that we could use to build capital faster for other terms or other more short term investment vehicles that we can do to build that faster? I mean, it's all gonna come with risk. Right? If it's short term, the only\n\nChannel 0: Yeah.\n\nChannel 1: problem.\n\nChannel 0: That's it. Yeah. So there are other ways where we could look at, you know, our investments outside of Super, but you are then risking money that could be on your mortgage. Realistically, the best way is to put as much as you can into your loan, sitting\n\nChannel 1: Yep.\n\nChannel 0: in an offset account so it's offsetting the loan that you have, and just trying to build it up slowly. I tend to, when it comes to cash on budgeting, say start with something small. Do $50 a week and then build it up as you get more comfortable doing so. Whenever you get a bonus or whenever you get, you know, your tax return back, put it straight into the offset account. One of the biggest risks with doing that is people go, oh, I've got all this extra money sitting there.\n\nSo we\n\nChannel 1: Yes.\n\nChannel 0: can have that extra holiday. We can go on to the movies an extra week or have an extra dinner out, and it's hard to kinda train your mind not to do that. If you have larger lump sums, putting it on the loan is a good thing because it really reduces the loan. But if you can train your brain to sort of not spend that money quickly, then putting it into the offset account is a really good idea because if you have, you know, a large expenditure, something to the kids that you have to pay for, the car breaks down, or you have to get a new car down the track, you can withdraw that money back. But whilst it's sitting in the offset account, it is offsetting the interest that you are paying on the loan and does the same thing as sitting on the loan directly.\n\nSo I always suggest start with something small, $50 a week or a fortnight, and get used to putting that in there, training our brain to, you know, follow that behavior, and then\n\nChannel 1: Yep.\n\nChannel 0: keep building it up as you feel comfortable doing so. Down the track, there's also things we can also look at, you know, investment bonds or building investment accounts outside of super, but then you're sort of looking at whether the investment is is likely to get the return that you're paying on your mortgage. At the moment,\n\nChannel 1: Yep.\n\nChannel 0: we are paying quite high mortgage repay repayment rates. And by sitting that money in your offset account or on your mortgage, it's essentially a guaranteed return. Whereas\n\nChannel 1: Yeah.\n\nChannel 0: putting money into investments, there's no guarantee on that return, and\n\nChannel 1: So\n\nChannel 0: markets at\n\nChannel 1: one\n\nChannel 0: the moment are very volatile. Sorry. You're\n\nChannel 1: one\n\nChannel 0: at\n\nChannel 1: thought I one thought I did have, and this is something I'm gonna probably investigate a little further.\n\nChannel 0: Yeah.\n\nChannel 1: At the moment, like, we've we've we've switched most of our everyday banking across to that up bank\n\nChannel 0: Yep.\n\nChannel 1: instead. So\n\nChannel 0: Yep.\n\nChannel 1: they're offering their home loans now for refinance and the rest. But one one option I'm seriously considering is actually pulling our home loan across to that where we have all of our savers set up for the or essentially a digital envelope system right at the end of the day. But\n\nChannel 0: Yes.\n\nChannel 1: all of that's supposed to then count as offset even it doesn't have to be in one account. It's just every\n\nChannel 0: Yep.\n\nChannel 1: if you have in every favor\n\nChannel 0: Yep.\n\nChannel 1: going that way. But have you have you heard anything that's not a good idea about doing that with us at all? Because it's\n\nChannel 0: No.\n\nChannel 1: probably\n\nChannel 0: No.\n\nChannel 1: the probably\n\nChannel 0: Yeah.\n\nChannel 1: the silver silver bullet piece that I can see right now around. That way you can have multiple savers for different things, but they all count as offsets at the same time.\n\nChannel 0: Yeah. Absolutely. And having multiple offset accounts is a really good idea. So you can move money around as you need it, but it all still is offsetting the account for you. So that is a really good idea.\n\nUp Bank, I've not heard anything bad about them. They're honestly really good. They're all covered by the government guarantee. So, you know, you do have that protection. It's 250,000 per person if the bank happens to go completely broke.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Alright.\n\nChannel 0: you do have\n\nChannel 1: K.\n\nChannel 0: those\n\nChannel 1: Thanks,\n\nChannel 0: protections\n\nChannel 1: Bob.\n\nChannel 0: in place of Up Bank, and and the interest rates are really good because they don't have bricks and mortar, so you don't have a branch to go into. But if you don't really need one, getting better interest rates on your loans and your and your money sitting in those banks and having those multiple offset accounts could definitely provide greater benefit.\n\nChannel 1: Reality is the mortgages with ING anyhow. So they're\n\nChannel 0: Yeah.\n\nChannel 1: they're not bricks and mortar anyhow. So\n\nChannel 0: Absolutely.\n\nChannel 1: at least not not in Brisbane. So\n\nChannel 0: Yeah. Wow.\n\nChannel 1: yeah. So it's just a thought thought I've got at the moment, but that would probably\n\nChannel 0: Yeah.\n\nChannel 1: make the most sense to help build that capital sooner,\n\nChannel 0: Absolutely.\n\nChannel 1: I'd imagine.\n\nChannel 0: Yeah. Absolutely. I think with ING, do they let you have separate do they let you have several\n\nChannel 1: No.\n\nChannel 0: offset\n\nChannel 1: It's\n\nChannel 0: accounts?\n\nChannel 1: just just one off there, and they charge you fees for it.\n\nChannel 0: Oh,\n\nChannel 1: It's\n\nChannel 0: that's horrible.\n\nChannel 1: I mean, RNG used to be amazing a long\n\nChannel 0: Yeah.\n\nChannel 1: time ago when I first opened my account, but it's just yeah. Then\n\nChannel 0: Not\n\nChannel 1: they\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: same.\n\nChannel 1: popular. That's right. And they got popular,\n\nChannel 0: Yeah.\n\nChannel 1: and they just started going the way everyone else did. I mean\n\nChannel 0: Yeah.\n\nChannel 1: yeah. But where I'm thinking about just shifting all of my banking to somewhere that can handle\n\nChannel 0: Yep.\n\nChannel 1: that because at least gives you a it should give some sort of edge there because at the moment, it's, yeah, not feeling like it any other way. So\n\nChannel 0: No. Definitely not. Yeah.\n\nChannel 1: gotcha.\n\nChannel 0: No. It's a definitely good idea. Definitely look into that. It's a really good idea. And, yeah, having multiple offset accounts is a fantastic idea.\n\nI know I've got, you know, several offset accounts on my on my with my bank, but, you know, us has always been really good with interest rates. They are one of the biggest for those term deposits and high interest savings accounts. A lot of people are sort of moving towards them for that when they don't need that bricks and the bricks and mortar, don't wanna go into a branch. So absolutely look into that. That's a great idea.\n\nChannel 1: Yeah. Okay. Alright. So we'll put the we'll put the property piece on hold and just try\n\nChannel 0: Yeah.\n\nChannel 1: to keep\n\nChannel 0: Yeah.\n\nChannel 1: building capital to do something outside of super\n\nChannel 0: Yep.\n\nChannel 1: at the moment. I mean\n\nChannel 0: Yep.\n\nChannel 1: so it's the challenge. Right? As as you keep saying, I'm I'm still quite young. Well, we're still quite young.\n\nChannel 0: Yep.\n\nChannel 1: And while while we're looking good for retirement, it's how do we how how do I get to the point where I feel like I'm actually making that that money that I am actually making? I\n\nChannel 0: Yeah.\n\nChannel 1: think that's\n\nChannel 0: Absolutely.\n\nChannel 1: that's the imposter syndrome that I have half the time.\n\nChannel 0: Absolutely.\n\nChannel 1: So\n\nChannel 0: Yeah. Look.\n\nChannel 1: yeah.\n\nChannel 0: If you ever wanted me to, I can send you a a budget planner as well. You're welcome to, you know, cash on budgeting advice. I can do up a you know, look at where your budget is, and do up a bit of a strategy paper showing you different ways to alter your budget to help you either put more onto your mortgage or put savings away somewhere for a certain goal. So you always have those for access as well, and there there are other things that I do look at for a lot of our clients as well.\n\nChannel 1: Yeah. Some something where we're sitting down to relook at it again. I think it's out of out of the woods with all the main stuff with our daughter and trying to get back\n\nChannel 0: Yeah.\n\nChannel 1: on top of everything that\n\nChannel 0: That's really\n\nChannel 1: yeah.\n\nChannel 0: good.\n\nChannel 1: Put everything else up. But yeah. Now pulling out support for them all, and I think half the time\n\nChannel 0: Yeah.\n\nChannel 1: we're so exhausted that takeaway can look enticing and try to get ourselves out of that and\n\nChannel 0: Absolutely.\n\nChannel 1: that that properly because that's where I can see a lot of the money has gone.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: then, of course, it's been down as you don't need all these subscriptions. You don't need this, and you don't need that. And\n\nChannel 0: Yeah.\n\nChannel 1: so it doesn't matter if little Johnny in school got it as well.\n\nChannel 0: No.\n\nChannel 1: But\n\nChannel 0: It's a different world our kids live in, isn't it? Definitely\n\nChannel 1: I\n\nChannel 0: different.\n\nChannel 1: really really seriously doubt about stripping all of them and just going, no. I need now you need to watch that. You can't even can't even do that because all the Frida Air got streaming.\n\nChannel 0: I know.\n\nChannel 1: I wanted\n\nChannel 0: It's crazy.\n\nChannel 1: to do it just to be patient.\n\nChannel 0: Back in the day, we had to sit there and sit wait for 06:00 to to Simpsons or, you know, wait for mom to send me to watching the news and to watch what we wanted to watch. If you missed it, that was it. That's it.\n\nChannel 1: Just pause\n\nChannel 0: That's\n\nChannel 1: anything?\n\nChannel 0: it. Oh, that's it. Those\n\nChannel 1: The\n\nChannel 0: are\n\nChannel 1: kids\n\nChannel 0: the days,\n\nChannel 1: just\n\nChannel 0: honestly.\n\nChannel 1: look at us blankly when they're like, what are you talking about? What's\n\nChannel 0: Oh, I know. It's crazy.\n\nChannel 1: the fuck? That's At all good.\n\nChannel 0: Oh, goodness\n\nChannel 1: Okay. Cool.\n\nChannel 0: me.\n\nChannel 1: No. That that makes sense.\n\nChannel 0: Yeah.\n\nChannel 1: We're sort of back with\n\nChannel 0: That's\n\nChannel 1: where it's\n\nChannel 0: okay.\n\nChannel 1: asking. So I just sort\n\nChannel 0: Yeah.\n\nChannel 1: of trying to settle for anything that might have\n\nChannel 0: It really has. Yeah.\n\nChannel 1: might have been helped with the the low capital problem. Right? It's the end of the the\n\nChannel 0: Yeah.\n\nChannel 1: biggest\n\nChannel 0: Yeah.\n\nChannel 1: takeaway\n\nChannel 0: Yeah. And, realistically, when\n\nChannel 1: from\n\nChannel 0: we're\n\nChannel 1: you.\n\nChannel 0: on, you know, a higher income, we wanna be able to save as much tax as possible. You know, we can never make a recommendation solely to avoid paying tax. However, negative gearing is just the outcome of having investment property and, you know, investing for the future at the same time. Of having investment property and, you know, investing for the future at the same time. So there's nothing wrong with that.\n\nIt's all it's all good. It's all fine. But, yeah, it's a shame that they're putting these changes in place because it does mean that, you know, a lot of moms and dads out there aren't gonna be able to access or hold property the way they we have in the past without buying new homes,\n\nChannel 1: Well, it almost\n\nChannel 0: and that\n\nChannel 1: almost\n\nChannel 0: could\n\nChannel 1: makes\n\nChannel 0: put pressure.\n\nChannel 1: it because it almost started to tick more boxes about because I mean, I guess the problem for me at the moment is I'm also an employee. Right? So\n\nChannel 0: Yep.\n\nChannel 1: other structures to help with this before have been, as you said, trust or companies or what have you where\n\nChannel 0: Yeah.\n\nChannel 1: it can be set up different ways. But, I mean, while I'm an employee, I can't get paid that way. I'd have to be a contractor and handle other structures that way. But I don't\n\nChannel 0: Yeah.\n\nChannel 1: know. Maybe\n\nChannel 0: Yeah. It does\n\nChannel 1: maybe\n\nChannel 0: it does\n\nChannel 1: maybe\n\nChannel 0: depend\n\nChannel 1: there's\n\nChannel 0: on\n\nChannel 1: other\n\nChannel 0: whether\n\nChannel 1: thought\n\nChannel 0: you're\n\nChannel 1: because of stuff.\n\nChannel 0: yeah. It does depend on whether your employer will be willing to pay you. I mean, your trust would have to send to be the employee or finding\n\nChannel 1: Yeah.\n\nChannel 0: a way to be able to put the money in. But if the legislation goes through the trust, it might not be worth having one of those because, you know, distributing income won't really make a difference if a trust is paying 30% tax and then distributing income out,\n\nChannel 1: Yeah.\n\nChannel 0: and then that could push up your you know, if you're on the highest marginal tax rate, the trust has paid income, distributes you income from the trust with what's left over, and then you because you're on more than 30%, have to pay additional tax on top of that. So that could be more of a disadvantage down the track.\n\nChannel 1: Yeah. Because it it went grayed up, like, doing some stuff. Yep.\n\nChannel 0: Yeah. Yeah. So it's just a matter of watching all these bits and pieces and see what goes through, what doesn't. But yeah. Feel free to let me know if you have more questions down the track.\n\nI'll keep watching everything to see what we can and can't do. And, hopefully hopefully, before July next year, we'll have a little bit more of an understanding of where this is gonna go so we can really look at what's gonna be, you know, prefer preferable to help you meet your goals, but also make it so you're not paying out a huge amount extra in tax, which is more of a disadvantage for you.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: No\n\nChannel 0: Yeah.\n\nChannel 1: problem.\n\nChannel 0: Oh, good. I'm so sorry that the budget's put a bit of a spanner in the works. It's made it very hard to kind of give you guys an exact answer on what the best thing to do right now is. But, yeah, we'll keep watching it, and I'll make sure, you know, that we can keep having these conversations as things change. And, yeah, let me know if you do have questions.\n\nI'm here to help you out. So, yeah, if there's\n\nChannel 1: All\n\nChannel 0: anything\n\nChannel 1: all\n\nChannel 0: you need.\n\nChannel 1: good.\n\nChannel 0: Yeah.\n\nChannel 1: As as I said, I think I was looking for a unicorn anyhow because it needs a we need the capital saved up as well. It was just yeah. We're moving to a cheaper\n\nChannel 0: Yeah.\n\nChannel 1: area. Yeah. That's\n\nChannel 0: Need\n\nChannel 1: good.\n\nChannel 0: to win later. Need to win later.\n\nChannel 1: Yeah. I tried tried that a couple of times. I just didn't work.\n\nChannel 0: No. It doesn't for me. My husband plays it. I don't I really don't, but he he enjoys doing it a little bit, and I think this is a bit of fun at the same time. I said, look, if I win, all my clients will be fine.\n\nChannel 1: All good.\n\nChannel 0: All good.\n\nChannel 1: That's it. It's well, it's getting more expensive, so just\n\nChannel 0: It\n\nChannel 1: figure\n\nChannel 0: is.\n\nChannel 1: out ways to work with it. So that's\n\nChannel 0: Yeah. Absolutely. No. All good. Well, what I'll do is after the call, I'll send out I'll get Michelle to send out the annual review pack.\n\nIf you can just sign and return that back for me, that'd be fabulous. I've got your advice document here. I'll just go back and do some tweaks and some updates, and then I've got you booked in for the June 1 at 03:30 to run through that together. You can have a look at what I've recommended, the advantages, disadvantages, the risks involved. I'll look at the recommendation based on your current goal, but then I'll also do just in the appendices the difference showing you if you just reduce those amounts under the mandated limits for, you know, financial underwriting to make sure we keep you under that limit, what that looks like for you as well so you can decide what you wanna do moving forward.\n\nDoes that sound okay?\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Yep. Beautiful. All good. If you finally have other questions, let me know. I'm always here happy to help, Matthew.\n\nAnd it's been lovely to chat to you, Camille. I hope you've had a good day.\n\nChannel 1: Yes. I have. Thank you.\n\nChannel 0: That's okay. You you get to put your feet up and relax a little bit now.\n\nChannel 1: Yeah. It's actually our thirteenth year wedding anniversary tonight, so we're gonna\n\nChannel 0: Congratulations.\n\nChannel 1: go we're we're not gonna speaking of saving money really bad, we're gonna go out tonight for dinner.\n\nChannel 0: Oh,\n\nChannel 1: Because\n\nChannel 0: congratulations.\n\nChannel 1: the the kids said, oh, we'll have to go out and celebrate because it's your wedding anniversary.\n\nChannel 0: Yes.\n\nChannel 1: Like, we should teach them how to celebrate things like that. So\n\nChannel 0: Absolutely.\n\nChannel 1: he's gonna go find a gonna go find a pub\n\nChannel 0: Yep.\n\nChannel 1: that does typically free, hopefully.\n\nChannel 0: Oh, that'll be amazing. Congratulations. Seven years is incredible. That's fantastic. You enjoy that night.\n\nIt's well deserved. All good. I'll let you both go. Happy anniversary. I'll talk to you very soon.\n\nIf there's anything else that comes up question wise, just let me know. Okay?\n\nChannel 1: Okay. Thank you. Thank you.\n\nChannel 0: Thanks, Matthew. Thanks, Camille. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.0382523313164711},{"text":"Matt speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.030380932614207268}],"sentiment":"neutral","sentiment_score":0.03300473218162855,"channel":1,"num_words":3,"start":0.56,"end":1.78},{"sentences":[{"text":"Hi, Matthew.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.2112846001982689},{"text":"It's Dana from Oakey Financial.","start":2.96,"end":4.48,"sentiment":"neutral","sentiment_score":0.23541963398456572},{"text":"How are you today?","start":4.48,"end":5.46,"sentiment":"neutral","sentiment_score":0.2764713689684868}],"sentiment":"neutral","sentiment_score":0.2459593496539376,"channel":0,"num_words":11,"start":2.24,"end":5.46},{"sentences":[{"text":"Hello.","start":5.68,"end":6.0,"sentiment":"neutral","sentiment_score":0.19471149146556857},{"text":"How are 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going?","start":9.04,"end":10.42,"sentiment":"neutral","sentiment_score":0.15152184665203094}],"sentiment":"neutral","sentiment_score":0.15152184665203094,"channel":0,"num_words":3,"start":9.04,"end":10.42},{"sentences":[{"text":"bit wet today, but","start":11.36,"end":13.12,"sentiment":"neutral","sentiment_score":-0.07696923520416021}],"sentiment":"neutral","sentiment_score":-0.07696923520416021,"channel":1,"num_words":4,"start":11.36,"end":13.12},{"sentences":[{"text":"Yes.","start":12.975,"end":13.475,"sentiment":"neutral","sentiment_score":-0.022022325545549393}],"sentiment":"neutral","sentiment_score":-0.022022325545549393,"channel":0,"num_words":1,"start":12.975,"end":13.475},{"sentences":[{"text":"apart from","start":13.12,"end":13.599999,"sentiment":"neutral","sentiment_score":-0.01602743472903967}],"sentiment":"neutral","sentiment_score":-0.01602743472903967,"channel":1,"num_words":2,"start":13.12,"end":13.599999},{"sentences":[{"text":"Isn't","start":13.535,"end":13.8550005,"sentiment":"neutral","sentiment_score":-0.011966496706008911}],"sentiment":"neutral","sentiment_score":-0.011966496706008911,"channel":0,"num_words":1,"start":13.535,"end":13.8550005},{"sentences":[{"text":"that","start":13.599999,"end":13.759999,"sentiment":"neutral","sentiment_score":-0.012698061764240263}],"sentiment":"neutral","sentiment_score":-0.012698061764240263,"channel":1,"num_words":1,"start":13.599999,"end":13.759999},{"sentences":[{"text":"it?","start":13.8550005,"end":14.3550005,"sentiment":"neutral","sentiment_score":-0.008033820427954197}],"sentiment":"neutral","sentiment_score":-0.008033820427954197,"channel":0,"num_words":1,"start":13.8550005,"end":14.3550005},{"sentences":[{"text":"yeah.","start":13.92,"end":14.325,"sentiment":"neutral","sentiment_score":-0.0007163491100072861}],"sentiment":"neutral","sentiment_score":-0.0007163491100072861,"channel":1,"num_words":1,"start":13.92,"end":14.325},{"sentences":[{"text":"No.","start":14.975,"end":15.375,"sentiment":"neutral","sentiment_score":-0.028482455760240555},{"text":"All good.","start":15.375,"end":15.8550005,"sentiment":"neutral","sentiment_score":0.17900077998638153},{"text":"I had to book in for a bit of a catch up in relation to some changes to your circumstances and also talking about subdivisions.","start":15.8550005,"end":21.955,"sentiment":"neutral","sentiment_score":0.055825987458229066},{"text":"Is now still a good time there for you?","start":22.175,"end":24.195,"sentiment":"neutral","sentiment_score":0.19365204787916607}],"sentiment":"neutral","sentiment_score":0.09373073571839848,"channel":0,"num_words":37,"start":14.975,"end":24.195},{"sentences":[{"text":"Yeah.","start":24.404999,"end":24.904999,"sentiment":"neutral","sentiment_score":0.026102613657712936},{"text":"I was thinking maybe if we start with where you got to with the super 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chat.","start":35.46,"end":36.04,"sentiment":"neutral","sentiment_score":0.014243172947317362}],"sentiment":"neutral","sentiment_score":0.014243172947317362,"channel":0,"num_words":2,"start":35.46,"end":36.04},{"sentences":[{"text":"listen in on thoughts around what we","start":35.8,"end":37.719997,"sentiment":"neutral","sentiment_score":0.007355343284351485}],"sentiment":"neutral","sentiment_score":0.007355343284351485,"channel":1,"num_words":7,"start":35.8,"end":37.719997},{"sentences":[{"text":"Yeah.","start":37.54,"end":38.04,"sentiment":"neutral","sentiment_score":-0.03372560441493988}],"sentiment":"neutral","sentiment_score":-0.03372560441493988,"channel":0,"num_words":1,"start":37.54,"end":38.04},{"sentences":[{"text":"may may not do to weigh up 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employment.","start":42.275,"end":49.655,"sentiment":"neutral","sentiment_score":0.041013673739507796}],"sentiment":"neutral","sentiment_score":0.05273659180051514,"channel":0,"num_words":35,"start":39.955,"end":49.655},{"sentences":[{"text":"So you're on a higher","start":49.715,"end":50.675003,"sentiment":"neutral","sentiment_score":0.033251363039016726}],"sentiment":"neutral","sentiment_score":0.033251363039016726,"channel":0,"num_words":5,"start":49.715,"end":50.675003},{"sentences":[{"text":"Yep.","start":50.425,"end":50.925,"sentiment":"neutral","sentiment_score":0.01930701360106468}],"sentiment":"neutral","sentiment_score":0.01930701360106468,"channel":1,"num_words":1,"start":50.425,"end":50.925},{"sentences":[{"text":"income at the moment.","start":50.675003,"end":51.635002,"sentiment":"neutral","sentiment_score":0.008318322710692883},{"text":"Is that right?","start":51.635002,"end":52.535,"sentiment":"neutral","sentiment_score":0.037295825158556305}],"sentiment":"neutral","sentiment_score":0.020737252331205776,"channel":0,"num_words":7,"start":50.675003,"end":52.535},{"sentences":[{"text":"Yeah.","start":52.505,"end":52.985,"sentiment":"neutral","sentiment_score":0.04327902942895889},{"text":"Correct.","start":52.985,"end":53.485,"sentiment":"neutral","sentiment_score":0.08751954883337021}],"sentiment":"neutral","sentiment_score":0.06539928913116455,"channel":1,"num_words":2,"start":52.505,"end":53.485},{"sentences":[{"text":"Yeah.","start":53.850002,"end":54.170002,"sentiment":"neutral","sentiment_score":0.12920686602592468},{"text":"Beautiful.","start":54.170002,"end":54.65,"sentiment":"neutral","sentiment_score":0.2958371639251709},{"text":"So I believe it's 230,000 per annum.","start":54.65,"end":57.05,"sentiment":"neutral","sentiment_score":0.08170028563056674},{"text":"Is that correct?","start":57.05,"end":57.95,"sentiment":"neutral","sentiment_score":0.05890787889560064},{"text":"Or","start":58.010002,"end":58.25,"sentiment":"neutral","sentiment_score":0.019388379529118534}],"sentiment":"neutral","sentiment_score":0.09177369581392178,"channel":0,"num_words":13,"start":53.850002,"end":58.25},{"sentences":[{"text":"Yeah.","start":58.579998,"end":58.82,"sentiment":"neutral","sentiment_score":0.027066798880696297},{"text":"That's correct.","start":58.82,"end":59.46,"sentiment":"neutral","sentiment_score":0.050390832126140594},{"text":"But I","start":59.46,"end":60.02,"sentiment":"neutral","sentiment_score":0.008642000146210194}],"sentiment":"neutral","sentiment_score":0.029026492685079574,"channel":1,"num_words":5,"start":58.579998,"end":60.02},{"sentences":[{"text":"Yeah.","start":60.09,"end":60.59,"sentiment":"neutral","sentiment_score":0.0026723146438598633}],"sentiment":"neutral","sentiment_score":0.0026723146438598633,"channel":0,"num_words":1,"start":60.09,"end":60.59},{"sentences":[{"text":"but that's then being reduced for net with the EV that I've got built in as part of that.","start":60.26,"end":67.299995,"sentiment":"neutral","sentiment_score":-0.01489515553571676},{"text":"So, yeah, I think I gave you the net take 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conditional approval, which is fine, And then it's sort of looking at address addressing any additional council conditions if they've stipulated additional conditions to the plan or if they've stipulated any additional conditions to the building.","start":1064.7301,"end":1083.135,"sentiment":"neutral","sentiment_score":0.18216934889698258},{"text":"Looking at setting up the infrastructure, so organizing builders and things like that to to make sure that everything's in line with it.","start":1083.99,"end":1091.67,"sentiment":"neutral","sentiment_score":0.2070333494440369},{"text":"And then it sort of starts going down the the subdivision route, and we're looking around about, you know, another five to six months to go through the, you know, the preparation of the land, the lodging of the registration of the title.","start":1091.67,"end":1105.725,"sentiment":"neutral","sentiment_score":0.06653550813017889},{"text":"We're looking at the sorry.","start":1106.425,"end":1109.465,"sentiment":"neutral","sentiment_score":-0.15533186197280885},{"text":"My throat is still happening.","start":1109.465,"end":1110.765,"sentiment":"negative","sentiment_score":-0.7219472885131836}],"sentiment":"neutral","sentiment_score":0.09929065841424745,"channel":0,"num_words":128,"start":1064.7301,"end":1110.765},{"sentences":[{"text":"We're just looking at, you know, all the different factors there and then the building of the properties as well, so making sure that everything sort of stays on track with that.","start":1111.0,"end":1119.1599,"sentiment":"neutral","sentiment_score":-0.008507280144840479},{"text":"Most of them take anywhere from eighteen months to just over two years.","start":1119.1599,"end":1123.72,"sentiment":"neutral","sentiment_score":-0.10924041729706985},{"text":"I have seen some take a little bit longer.","start":1123.72,"end":1125.9,"sentiment":"neutral","sentiment_score":-0.20874060028129154},{"text":"Subdivision is a good idea if it's something you wanna do.","start":1126.605,"end":1129.965,"sentiment":"positive","sentiment_score":0.4894195686687123},{"text":"It does keep in line with the budget, and one of the things that allows you to, a, utilize negative gearing, but also the 50% CGT or lets you choose between the 50% CGT or the indexation method is essentially where a duplex is constructed so you're knocked down and rebuild.","start":1129.965,"end":1148.26,"sentiment":"neutral","sentiment_score":0.15884157698418871}],"sentiment":"neutral","sentiment_score":0.08546130939242269,"channel":0,"num_words":116,"start":1111.0,"end":1148.26},{"sentences":[{"text":"So you have to be willing to knock down your current property and rebuild two properties because you have to add to the housing market.","start":1148.26,"end":1156.2,"sentiment":"neutral","sentiment_score":0.008808553516864777},{"text":"So one of the non eligible conditions under the budget is that you can't put on a granny flat or another house in your backyard.","start":1156.26,"end":1164.585,"sentiment":"neutral","sentiment_score":-0.26256059885025024},{"text":"You have to physically complete a full knockdown and a rebuild of that property.","start":1164.645,"end":1168.325,"sentiment":"neutral","sentiment_score":-0.2224538821194853},{"text":"So you might need to look at buying something as your main primary residence beforehand and then going to the process of the subdivision as well, which depending on sort of what you're after, can put a bit more of a strain on the budget.","start":1168.325,"end":1181.61,"sentiment":"neutral","sentiment_score":-0.23753521889448165},{"text":"You are sort of outlying.","start":1181.61,"end":1182.73,"sentiment":"neutral","sentiment_score":-0.2544534683227539}],"sentiment":"neutral","sentiment_score":-0.18789041820063926,"channel":0,"num_words":114,"start":1148.26,"end":1182.73},{"sentences":[{"text":"I know with most building loans, you pay they don't sort of rec need you to pay anything a lot back in the in the early end.","start":1182.73,"end":1190.605,"sentiment":"neutral","sentiment_score":-0.19643005701126875},{"text":"Everything's sort of done in stages.","start":1190.605,"end":1192.145,"sentiment":"neutral","sentiment_score":-0.07041407066086929},{"text":"So you would be paying normally.","start":1192.365,"end":1194.705,"sentiment":"neutral","sentiment_score":-0.04149545604983965},{"text":"Could depend on the loan you get, but it's normally interest only until the handover of the property and the property is completed, and then you start paying PNI if that's the way the loan is set up.","start":1194.845,"end":1204.84,"sentiment":"neutral","sentiment_score":-0.008839698768784538},{"text":"Often, repayments can be a little bit easier, and drawdowns happen as soon as, like, one section is approved by, you know, the builder.","start":1205.2999,"end":1212.98,"sentiment":"neutral","sentiment_score":0.04730300121688439}],"sentiment":"neutral","sentiment_score":-0.05124460617403066,"channel":0,"num_words":101,"start":1182.73,"end":1212.98},{"sentences":[{"text":"Once the builder is completed, he gets it reviewed and checked.","start":1212.98,"end":1216.235,"sentiment":"neutral","sentiment_score":0.05591189353303476},{"text":"And once that's being checked and it's approved, then the next stage happens, and the banks require certificates at each stage to allow different drawdowns for you.","start":1216.235,"end":1225.455,"sentiment":"neutral","sentiment_score":0.05343684150526921},{"text":"So that is definitely one way of doing it.","start":1225.755,"end":1228.095,"sentiment":"neutral","sentiment_score":0.1407788089580006},{"text":"Another way is obviously looking at home and land packages.","start":1228.7999,"end":1233.22,"sentiment":"neutral","sentiment_score":0.13253837898373605},{"text":"So I know they are a lot smaller.","start":1233.36,"end":1235.2,"sentiment":"neutral","sentiment_score":0.1346275727264583}],"sentiment":"neutral","sentiment_score":0.0881113723350259,"channel":0,"num_words":65,"start":1212.98,"end":1235.2},{"sentences":[{"text":"They're a lot different.","start":1235.2,"end":1236.1599,"sentiment":"neutral","sentiment_score":0.06777804717421532},{"text":"I'm not sure what they're like in your area, but you could also look at maybe buying a home and land package or two or something.","start":1236.1599,"end":1242.875,"sentiment":"neutral","sentiment_score":0.12240012333943294},{"text":"If you're looking to sell your property, maybe buy, you know, a new house or something for yourselves to live in, and maybe if you still want an investment property purchasing, like, a home and land package somewhere.","start":1242.875,"end":1252.955,"sentiment":"neutral","sentiment_score":0.11468270401421346},{"text":"That way, you are still buying a brand new 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investment property and sort of save on their income tax, especially when you are a high income tax payer.","start":1271.205,"end":1285.3,"sentiment":"neutral","sentiment_score":0.3267287158463053},{"text":"But like yourself, you're on a very","start":1285.3,"end":1286.74,"sentiment":"neutral","sentiment_score":0.03169179015925953}],"sentiment":"neutral","sentiment_score":0.16455250393482856,"channel":0,"num_words":90,"start":1260.85,"end":1286.74},{"sentences":[{"text":"Yeah.","start":1286.7101,"end":1287.2101,"sentiment":"neutral","sentiment_score":0.04359672591090202}],"sentiment":"neutral","sentiment_score":0.04359672591090202,"channel":1,"num_words":1,"start":1286.7101,"end":1287.2101},{"sentences":[{"text":"high 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the","start":1444.2899,"end":1444.7699,"sentiment":"neutral","sentiment_score":0.030148401856422424}],"sentiment":"neutral","sentiment_score":0.030148401856422424,"channel":0,"num_words":2,"start":1444.2899,"end":1444.7699},{"sentences":[{"text":"it","start":1444.595,"end":1444.845,"sentiment":"neutral","sentiment_score":-0.011792972683906555}],"sentiment":"neutral","sentiment_score":-0.011792972683906555,"channel":1,"num_words":1,"start":1444.595,"end":1444.845},{"sentences":[{"text":"under the eligibility for the new build, they've given four conditions.","start":1444.7699,"end":1448.39,"sentiment":"neutral","sentiment_score":-0.0028388388454914097},{"text":"The first one is a newly constructed apartment bought off the plan, a duplex a duplex constructed through a knockdown and rebuild, replacing a single freestanding house, which is where the subdivision side of things comes into.","start":1448.45,"end":1460.965,"sentiment":"neutral","sentiment_score":0.0391094973562537},{"text":"Or if you don't decide to subdivide and you wanna keep it as one titled property and you can just then look to maybe knock down the house and build through, you know, duplexes whether it be attached without the subdivision side of things, but it still has to go through council approval to be able to look at that.","start":1461.1849,"end":1477.1,"sentiment":"neutral","sentiment_score":0.02719869796031465},{"text":"The other two conditions under the new legislation, if approved, is any residential construction on a previously vacant land so you could buy land somewhere else and maybe build on it that way as well.","start":1477.88,"end":1489.4751,"sentiment":"neutral","sentiment_score":0.046968657416956765}],"sentiment":"neutral","sentiment_score":0.032808734699953476,"channel":0,"num_words":143,"start":1444.7699,"end":1489.4751},{"sentences":[{"text":"Yep.","start":1489.54,"end":1490.04,"sentiment":"neutral","sentiment_score":0.1270172894001007}],"sentiment":"neutral","sentiment_score":0.1270172894001007,"channel":1,"num_words":1,"start":1489.54,"end":1490.04},{"sentences":[{"text":"Oh, the last condition is a newly built property which is occupied for less than twelve months before being first sold.","start":1489.635,"end":1496.8551,"sentiment":"neutral","sentiment_score":0.014245993324688502},{"text":"So if someone else has maybe built a house or, you know, build a house in the short term and they've only owned it for less than twelve months and then then they sell it on to you, then that still meets that condition of a new build as well.","start":1497.0751,"end":1510.0499,"sentiment":"neutral","sentiment_score":0.04645226050168276},{"text":"Under the section where it's not eligible for a new build, they've got an established property that has recently been extended to add additional bedrooms, a freestanding house constructed through a knockdown and rebuild replacing an older, smaller freestanding house.","start":1510.75,"end":1523.485,"sentiment":"neutral","sentiment_score":-0.13955654501914977},{"text":"So if you were to knock down your house and rebuild it basically and add some extra rooms, it doesn't quite qualify.","start":1523.485,"end":1528.9451,"sentiment":"negative","sentiment_score":-0.45723428103056823}],"sentiment":"neutral","sentiment_score":-0.09789200825966839,"channel":0,"num_words":133,"start":1489.635,"end":1528.9451},{"sentences":[{"text":"Yep.","start":1529.775,"end":1530.275,"sentiment":"neutral","sentiment_score":-0.09594513475894928}],"sentiment":"neutral","sentiment_score":-0.09594513475894928,"channel":1,"num_words":1,"start":1529.775,"end":1530.275},{"sentences":[{"text":"A granny flat built adjacent to an established property that is not eligible for negative gearing, so they don't let us build a granny flat in the backyard and rent that out, unfortunately.","start":1529.88,"end":1540.22,"sentiment":"neutral","sentiment_score":-0.24084306237372485}],"sentiment":"neutral","sentiment_score":-0.24084306237372485,"channel":0,"num_words":33,"start":1529.88,"end":1540.22},{"sentences":[{"text":"Yeah.","start":1541.29,"end":1541.79,"sentiment":"neutral","sentiment_score":-0.07487981021404266}],"sentiment":"neutral","sentiment_score":-0.07487981021404266,"channel":1,"num_words":1,"start":1541.29,"end":1541.79},{"sentences":[{"text":"And","start":1541.64,"end":1541.88,"sentiment":"neutral","sentiment_score":-0.09613338112831116}],"sentiment":"neutral","sentiment_score":-0.09613338112831116,"channel":0,"num_words":1,"start":1541.64,"end":1541.88},{"sentences":[{"text":"So","start":1541.85,"end":1542.33,"sentiment":"neutral","sentiment_score":-0.10323186218738556}],"sentiment":"neutral","sentiment_score":-0.10323186218738556,"channel":1,"num_words":1,"start":1541.85,"end":1542.33},{"sentences":[{"text":"then","start":1541.88,"end":1542.38,"sentiment":"neutral","sentiment_score":-0.09381844103336334}],"sentiment":"neutral","sentiment_score":-0.09381844103336334,"channel":0,"num_words":1,"start":1541.88,"end":1542.38},{"sentences":[{"text":"different patients on that in Brisbane anyhow.","start":1542.33,"end":1544.25,"sentiment":"neutral","sentiment_score":-0.11576089156525475},{"text":"A lot of people didn't follow the rules, but yeah.","start":1544.25,"end":1547.24,"sentiment":"neutral","sentiment_score":-0.22911075353622437}],"sentiment":"neutral","sentiment_score":-0.18243728095994277,"channel":1,"num_words":17,"start":1542.33,"end":1547.24},{"sentences":[{"text":"yeah.","start":1546.7749,"end":1547.2749,"sentiment":"neutral","sentiment_score":-0.06169401481747627},{"text":"And then the last one there is a newly built property, which has been occupied for more than twelve months.","start":1547.8949,"end":1552.375,"sentiment":"neutral","sentiment_score":-0.09102027378976345},{"text":"Doesn't meet that criteria either, unfortunately.","start":1552.375,"end":1554.635,"sentiment":"negative","sentiment_score":-0.3697608063618342}],"sentiment":"neutral","sentiment_score":-0.1518764566216204,"channel":0,"num_words":27,"start":1546.7749,"end":1554.635},{"sentences":[{"text":"Okay.","start":1556.035,"end":1556.355,"sentiment":"neutral","sentiment_score":-0.037001729011535645},{"text":"So the","start":1556.355,"end":1557.315,"sentiment":"neutral","sentiment_score":-0.030680146999657154}],"sentiment":"neutral","sentiment_score":-0.03278734100361665,"channel":1,"num_words":3,"start":1556.035,"end":1557.315},{"sentences":[{"text":"Yeah.","start":1557.27,"end":1557.77,"sentiment":"neutral","sentiment_score":-0.00328860804438591}],"sentiment":"neutral","sentiment_score":-0.00328860804438591,"channel":0,"num_words":1,"start":1557.27,"end":1557.77},{"sentences":[{"text":"so because do many people split the land and then just sell off the second bit of land rather than building?","start":1557.715,"end":1566.355,"sentiment":"neutral","sentiment_score":-0.06263339058274314},{"text":"Does that ever work out profitable","start":1566.355,"end":1567.895,"sentiment":"neutral","sentiment_score":-0.026001599927743275}],"sentiment":"neutral","sentiment_score":-0.05449299265940984,"channel":1,"num_words":27,"start":1557.715,"end":1567.895},{"sentences":[{"text":"Yeah.","start":1567.9249,"end":1568.4249,"sentiment":"neutral","sentiment_score":-0.0414138026535511}],"sentiment":"neutral","sentiment_score":-0.0414138026535511,"channel":0,"num_words":1,"start":1567.9249,"end":1568.4249},{"sentences":[{"text":"or not really?","start":1567.955,"end":1568.855,"sentiment":"neutral","sentiment_score":-0.10034764309724171}],"sentiment":"neutral","sentiment_score":-0.10034764309724171,"channel":1,"num_words":3,"start":1567.955,"end":1568.855},{"sentences":[{"text":"Yeah.","start":1569.765,"end":1570.165,"sentiment":"neutral","sentiment_score":0.13837525248527527},{"text":"It can do.","start":1570.165,"end":1571.0449,"sentiment":"neutral","sentiment_score":0.23062785466512045},{"text":"The biggest thing I tend to find, though, is you make more when you've gone through the process of building something.","start":1571.0449,"end":1576.165,"sentiment":"neutral","sentiment_score":0.010944747676452002},{"text":"So selling vacant land tends to be a little bit harder because then people have to go through the zoning and the planning process to build a property.","start":1576.165,"end":1584.5599,"sentiment":"neutral","sentiment_score":-0.2774773852101394}],"sentiment":"neutral","sentiment_score":-0.12658996732448632,"channel":0,"num_words":53,"start":1569.765,"end":1584.5599},{"sentences":[{"text":"No.","start":1584.34,"end":1584.84,"sentiment":"neutral","sentiment_score":-0.11538388580083848}],"sentiment":"neutral","sentiment_score":-0.11538388580083848,"channel":1,"num_words":1,"start":1584.34,"end":1584.84},{"sentences":[{"text":"So if you were to, you know, subdivide, build two properties, and sell one off, you're probably gonna make a little bit more money in your area doing it that way.","start":1584.7,"end":1593.1,"sentiment":"neutral","sentiment_score":0.13807930989611533},{"text":"People tend to like to be able to move into a house pre done than starting from scratch, especially, you know, in built up areas like the Gold Coast and Brisbane.","start":1593.1,"end":1601.6749,"sentiment":"positive","sentiment_score":0.39854256376143427},{"text":"It just seems to be a lot easier, and building can take a bit of time.","start":1601.6749,"end":1605.595,"sentiment":"neutral","sentiment_score":0.21909720869734883},{"text":"I know there was a couple of years ago quite a backlog in building, so I'm not sure what the construction industry looks like in your area at the moment, but so long as they don't have a huge backlog, it could definitely make things a little bit easier.","start":1605.595,"end":1617.5499,"sentiment":"neutral","sentiment_score":-0.0401529889477759},{"text":"The other side of it is if you're not too worried about the negative gearing side of things, you could always just buy this investment property to start with, look at building that up.","start":1618.33,"end":1627.615,"sentiment":"neutral","sentiment_score":0.11721335548688383}],"sentiment":"neutral","sentiment_score":0.13763100031462516,"channel":0,"num_words":161,"start":1584.7,"end":1627.615},{"sentences":[{"text":"With the changes that are proposed, you won't be able to use the negative gearing.","start":1628.395,"end":1633.115,"sentiment":"neutral","sentiment_score":0.1939453328649203},{"text":"So you won't be able to claim the tax deduction for the difference between your rental income and the cost you outlay for that, but that difference will be continuous.","start":1633.115,"end":1643.54,"sentiment":"neutral","sentiment_score":0.10449934353431066},{"text":"It's essentially looking at, like, being a loss, and they will essentially keep that loss carry forward until you sell the property.","start":1643.54,"end":1650.36,"sentiment":"neutral","sentiment_score":0.06268840012225238},{"text":"And even when you sell the property, whilst they will have it, if this goes through, that it will have to use the indexation method, that loss will be carried forward continuously.","start":1651.06,"end":1660.625,"sentiment":"neutral","sentiment_score":0.07845371647272259},{"text":"So you can offset that against the gain that is made when you sell the property.","start":1660.9249,"end":1664.445,"sentiment":"positive","sentiment_score":0.3786363285034895}],"sentiment":"neutral","sentiment_score":0.13906091552065766,"channel":0,"num_words":115,"start":1628.395,"end":1664.445},{"sentences":[{"text":"So that could provide a bit of a, yeah, a little bit less of a capital gain down the track.","start":1664.445,"end":1670.2999,"sentiment":"positive","sentiment_score":0.5092662185430527},{"text":"It just kinda comes down to is if this is implemented with no changes, what changes come into play.","start":1670.2999,"end":1676.08,"sentiment":"neutral","sentiment_score":0.09390375253401305},{"text":"The other side of this is they may go through this because it's a bill at the moment.","start":1676.7,"end":1681.375,"sentiment":"neutral","sentiment_score":-0.19863248699241215},{"text":"It's then gonna go to the lower and the upper house.","start":1681.375,"end":1683.715,"sentiment":"neutral","sentiment_score":-0.12909875945611435},{"text":"It may get to these houses, and it doesn't go through as it is.","start":1683.855,"end":1687.135,"sentiment":"neutral","sentiment_score":-0.2362256082040923}],"sentiment":"neutral","sentiment_score":0.04471787846669918,"channel":0,"num_words":82,"start":1664.445,"end":1687.135},{"sentences":[{"text":"They may have to make changes to this.","start":1687.135,"end":1689.295,"sentiment":"neutral","sentiment_score":-0.2871474716812372},{"text":"So it could even be worthwhile if you guys just hold off.","start":1689.295,"end":1692.975,"sentiment":"neutral","sentiment_score":-0.1913658765455087},{"text":"I know it's, you know, a little bit down the track, but if we just hold off for a few months and see what what's 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really tough because normally, it sort of go towards trust, family trust,","start":2129.59,"end":2133.75,"sentiment":"neutral","sentiment_score":-0.26072202852139104}],"sentiment":"neutral","sentiment_score":-0.26072202852139104,"channel":0,"num_words":13,"start":2129.59,"end":2133.75},{"sentences":[{"text":"Yeah.","start":2133.67,"end":2133.99,"sentiment":"neutral","sentiment_score":-0.1204441413283348}],"sentiment":"neutral","sentiment_score":-0.1204441413283348,"channel":1,"num_words":1,"start":2133.67,"end":2133.99},{"sentences":[{"text":"and things","start":2133.75,"end":2134.31,"sentiment":"neutral","sentiment_score":-0.127501729875803}],"sentiment":"neutral","sentiment_score":-0.127501729875803,"channel":0,"num_words":2,"start":2133.75,"end":2134.31},{"sentences":[{"text":"And I've 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as","start":2134.63,"end":2135.1099,"sentiment":"neutral","sentiment_score":-0.11548759415745735}],"sentiment":"neutral","sentiment_score":-0.11548759415745735,"channel":1,"num_words":2,"start":2134.63,"end":2135.1099},{"sentences":[{"text":"However,","start":2134.95,"end":2135.45,"sentiment":"neutral","sentiment_score":-0.09753194451332092}],"sentiment":"neutral","sentiment_score":-0.09753194451332092,"channel":0,"num_words":1,"start":2134.95,"end":2135.45},{"sentences":[{"text":"well.","start":2135.1099,"end":2135.43,"sentiment":"neutral","sentiment_score":-0.11502079665660858},{"text":"Yeah.","start":2135.43,"end":2135.93,"sentiment":"neutral","sentiment_score":-0.15286663174629211}],"sentiment":"neutral","sentiment_score":-0.13394371420145035,"channel":1,"num_words":2,"start":2135.1099,"end":2135.93},{"sentences":[{"text":"the the family trust is also supposed to get hit.","start":2135.99,"end":2138.71,"sentiment":"neutral","sentiment_score":-0.28014481663703916},{"text":"So at the moment, family trust, when you have one, in income goes or the whatever's owned by the family trust makes the income, and then the income just gets distributed to the beneficiaries.","start":2138.71,"end":2151.7249,"sentiment":"neutral","sentiment_score":-0.03343934434301713},{"text":"And you can work the trust so you distribute income to lower, you know, to lower like, if you between yourself and","start":2151.9448,"end":2158.53,"sentiment":"neutral","sentiment_score":0.07093580287288535}],"sentiment":"neutral","sentiment_score":-0.03602724561862873,"channel":0,"num_words":66,"start":2135.99,"end":2158.53},{"sentences":[{"text":"Yep.","start":2158.51,"end":2159.01,"sentiment":"neutral","sentiment_score":0.0422249361872673}],"sentiment":"neutral","sentiment_score":0.0422249361872673,"channel":1,"num_words":1,"start":2158.51,"end":2159.01},{"sentences":[{"text":"Camille, if Camille's on less money than you, you could put more income to her at a lower tax rate than yourself, and you can distribute that those funds to income in a much more conservative way.","start":2158.53,"end":2168.53,"sentiment":"neutral","sentiment_score":0.1271192421381538},{"text":"However, with the new changes, trust are gonna have to pay income income tax at about 30%, and then it gets distributed out.","start":2168.53,"end":2177.865,"sentiment":"neutral","sentiment_score":-0.09378615329447},{"text":"If it gets distributed to an individual, then the income distributed to the individual gets added to their taxable income.","start":2178.565,"end":2185.145,"sentiment":"neutral","sentiment_score":0.03511466085910797},{"text":"They do","start":2185.31,"end":2185.71,"sentiment":"neutral","sentiment_score":0.11026128008961678}],"sentiment":"neutral","sentiment_score":0.042306661106100894,"channel":0,"num_words":82,"start":2158.53,"end":2185.71},{"sentences":[{"text":"Yep.","start":2185.645,"end":2186.145,"sentiment":"neutral","sentiment_score":0.13595366477966309}],"sentiment":"neutral","sentiment_score":0.13595366477966309,"channel":1,"num_words":1,"start":2185.645,"end":2186.145},{"sentences":[{"text":"get a bit of an offset.","start":2185.71,"end":2186.91,"sentiment":"neutral","sentiment_score":0.11416215946276982},{"text":"Or if they're on a higher tax rate, they might have to pay the difference between the 30% and their marginal tax rate.","start":2186.91,"end":2192.99,"sentiment":"neutral","sentiment_score":-0.04098697314443796},{"text":"But if they're under that if they're under that sort of 30% tax rate, then they should be able to get a bit of a break or a bit of an offset for it.","start":2192.99,"end":2200.365,"sentiment":"neutral","sentiment_score":0.11615224686615608},{"text":"But if it's a company, then the inside the trust, they pay that 30%, and then the income is distributed to the company, and the company still has to pay their tax rate at 30% as well.","start":2200.605,"end":2210.365,"sentiment":"neutral","sentiment_score":-0.08710256581370895},{"text":"So it does work out a lot harder.","start":2210.365,"end":2213.505,"sentiment":"neutral","sentiment_score":-0.13320819847285748}],"sentiment":"neutral","sentiment_score":-0.005527884768391097,"channel":0,"num_words":108,"start":2185.71,"end":2213.505},{"sentences":[{"text":"The other side of opening up a trust is that you don't wanna buy a property and then open a trust.","start":2214.35,"end":2219.79,"sentiment":"neutral","sentiment_score":-0.08721716719723883},{"text":"Realistically, it's best to open a trust and then buy property because if you buy property in your own name, then open a trust, you're changing the ownership structure, which means you've gotta look at capital gains for yourself for transferring the property in.","start":2219.79,"end":2233.645,"sentiment":"neutral","sentiment_score":-0.01615904580632394},{"text":"You've also gotta consider stamp duty and things like that.","start":2233.645,"end":2236.205,"sentiment":"neutral","sentiment_score":-0.009692924469709397},{"text":"It's basically the trust ends up buying the property from you, and it can have tax consequence effects there as well.","start":2236.205,"end":2242.8901,"sentiment":"neutral","sentiment_score":-0.014470623717421577},{"text":"So there are definitely structures that we can use, the structures we like using as advisers, but right now, unfortunately, the the the new bills are kind of hitting the tax side for all of those structures except","start":2242.8901,"end":2256.2249,"sentiment":"neutral","sentiment_score":-0.2718056165858319}],"sentiment":"neutral","sentiment_score":-0.09904465895257335,"channel":0,"num_words":134,"start":2214.35,"end":2256.2249},{"sentences":[{"text":"Yes.","start":2256.02,"end":2256.375,"sentiment":"neutral","sentiment_score":-0.12458624690771104}],"sentiment":"neutral","sentiment_score":-0.12458624690771104,"channel":1,"num_words":1,"start":2256.02,"end":2256.375},{"sentences":[{"text":"the company at the moment.","start":2256.2249,"end":2257.345,"sentiment":"neutral","sentiment_score":-0.14195414930582045},{"text":"So the other thing is a lot of property investors I've met in the past have set up companies, and they've bought properties under a company, but then you've also got a note that's another income stream, another business that you're an employee of.","start":2257.345,"end":2270.2249,"sentiment":"neutral","sentiment_score":-0.0657720078968189},{"text":"So there are tax consequences around that side of things.","start":2270.2249,"end":2273.72,"sentiment":"neutral","sentiment_score":-0.16907024532556533},{"text":"So we just have to at the moment, as an adviser, we're just watching this very closely to see what it might look like and how it's gonna affect, to see where which way we go for different clients depending on their goals.","start":2273.72,"end":2287.355,"sentiment":"neutral","sentiment_score":0.021068721576485525},{"text":"It's a very fun time.","start":2287.6548,"end":2288.855,"sentiment":"positive","sentiment_score":0.7156397938728333}],"sentiment":"neutral","sentiment_score":-0.0075727808419789105,"channel":0,"num_words":107,"start":2256.2249,"end":2288.855},{"sentences":[{"text":"I tell you what.","start":2288.855,"end":2289.755,"sentiment":"neutral","sentiment_score":0.33251985162496567}],"sentiment":"neutral","sentiment_score":0.33251985162496567,"channel":0,"num_words":4,"start":2288.855,"end":2289.755},{"sentences":[{"text":"Yeah.","start":2290.0752,"end":2290.395,"sentiment":"neutral","sentiment_score":0.32768720388412476},{"text":"I'd imagine they're keeping you on your toes at the moment.","start":2290.395,"end":2292.655,"sentiment":"neutral","sentiment_score":0.23148646408861334},{"text":"It's","start":2293.2751,"end":2293.7551,"sentiment":"positive","sentiment_score":0.4317750334739685}],"sentiment":"neutral","sentiment_score":0.25429333402560306,"channel":1,"num_words":13,"start":2290.0752,"end":2293.7551},{"sentences":[{"text":"Absolutely.","start":2293.335,"end":2293.835,"sentiment":"positive","sentiment_score":0.4979288578033447}],"sentiment":"positive","sentiment_score":0.4979288578033447,"channel":0,"num_words":1,"start":2293.335,"end":2293.835},{"sentences":[{"text":"it's specifically it's typically targeted to hit hit these areas where people have made money, right, at the end of the day.","start":2293.7551,"end":2299.53,"sentiment":"neutral","sentiment_score":0.25325440683148126},{"text":"And it's","start":2299.53,"end":2300.27,"sentiment":"positive","sentiment_score":0.4575272798538208}],"sentiment":"neutral","sentiment_score":0.27027714625000954,"channel":1,"num_words":24,"start":2293.7551,"end":2300.27},{"sentences":[{"text":"Absolutely.","start":2300.22,"end":2300.72,"sentiment":"positive","sentiment_score":0.4869670867919922},{"text":"Absolutely.","start":2301.3398,"end":2301.8398,"sentiment":"neutral","sentiment_score":0.04410776495933533},{"text":"And, I mean, look at they could there's a chance that none of this may go through.","start":2302.0598,"end":2306.0,"sentiment":"negative","sentiment_score":-0.3521877167855992},{"text":"There's a chance that it might not go through at all, but there's also the risk that it will go through exactly as it is.","start":2306.8599,"end":2312.9048,"sentiment":"negative","sentiment_score":-0.5209506118297577},{"text":"And anyone who's jumping on board or hasn't already got an an investment property won't be able to negatively gear once we kinda get to that point if this all goes through.","start":2313.605,"end":2321.9248,"sentiment":"neutral","sentiment_score":-0.2733447253704071}],"sentiment":"negative","sentiment_score":-0.3582488531736951,"channel":0,"num_words":76,"start":2300.22,"end":2321.9248},{"sentences":[{"text":"So there's just a lot of uncertainty in the air, which has all been created in the last couple of days, and it's all just about watching and waiting to see what happens.","start":2321.9248,"end":2332.03,"sentiment":"negative","sentiment_score":-0.5051268230785023},{"text":"I've got another client who I suggested just hold off.","start":2332.33,"end":2335.095,"sentiment":"neutral","sentiment_score":-0.22740531489253044},{"text":"Just wait.","start":2335.095,"end":2335.575,"sentiment":"neutral","sentiment_score":-0.22517774999141693},{"text":"Let's just save your pennies, put some more money into your offset account.","start":2335.575,"end":2338.295,"sentiment":"neutral","sentiment_score":0.03312654907886799},{"text":"Let's just sit there for the moment because if we make a move now, it could be the wrong move, and we don't wanna do anything rash just because of the legislation that could go through.","start":2338.295,"end":2348.075,"sentiment":"negative","sentiment_score":-0.4306462448504236}],"sentiment":"negative","sentiment_score":-0.3666618456073264,"channel":0,"num_words":94,"start":2321.9248,"end":2348.075},{"sentences":[{"text":"Sometimes it's best to just to hold off and wait.","start":2348.5298,"end":2351.1099,"sentiment":"neutral","sentiment_score":-0.2944127023220062},{"text":"We could be lucky.","start":2351.5698,"end":2352.71,"sentiment":"neutral","sentiment_score":-0.2295266706496477},{"text":"We could find out if this goes through.","start":2353.17,"end":2355.0098,"sentiment":"neutral","sentiment_score":-0.059175219386816025},{"text":"It could entice property prices to to drop a little bit.","start":2355.0098,"end":2358.21,"sentiment":"negative","sentiment_score":-0.4328862130641937},{"text":"There could be a mass sell off, which could, you know, increase the amount of property in the market, and we could see property prices decrease a little bit as well.","start":2358.21,"end":2365.985,"sentiment":"negative","sentiment_score":-0.42905103583489695}],"sentiment":"negative","sentiment_score":-0.34996821742970496,"channel":0,"num_words":64,"start":2348.5298,"end":2365.985},{"sentences":[{"text":"So there's a few different things that could come from this depending on how it goes, but I'm just sort of glued to watching every move they make with all these to see what what is possibly gonna come out of it because there's just so much uncertainty currently.","start":2365.985,"end":2382.45,"sentiment":"neutral","sentiment_score":-0.2879627537058324}],"sentiment":"neutral","sentiment_score":-0.2879627537058324,"channel":0,"num_words":49,"start":2365.985,"end":2382.45},{"sentences":[{"text":"Yeah.","start":2383.5,"end":2383.98,"sentiment":"neutral","sentiment_score":-0.2056114822626114},{"text":"Okay.","start":2383.98,"end":2384.48,"sentiment":"neutral","sentiment_score":-0.14367881417274475},{"text":"Yeah.","start":2385.42,"end":2385.74,"sentiment":"neutral","sentiment_score":-0.06259432435035706}],"sentiment":"neutral","sentiment_score":-0.13729487359523773,"channel":1,"num_words":3,"start":2383.5,"end":2385.74},{"sentences":[{"text":"Yeah.","start":2385.6301,"end":2386.1301,"sentiment":"neutral","sentiment_score":-0.010591313242912292}],"sentiment":"neutral","sentiment_score":-0.010591313242912292,"channel":0,"num_words":1,"start":2385.6301,"end":2386.1301},{"sentences":[{"text":"So unless unless we're able to find so essentially I I just I'm just just thinking.","start":2385.74,"end":2398.595,"sentiment":"neutral","sentiment_score":-0.08266052952967584},{"text":"So if","start":2398.595,"end":2400.135,"sentiment":"neutral","sentiment_score":-0.01979367621243}],"sentiment":"neutral","sentiment_score":-0.07567532360553741,"channel":1,"num_words":18,"start":2385.74,"end":2400.135},{"sentences":[{"text":"Yeah.","start":2399.6948,"end":2400.1948,"sentiment":"neutral","sentiment_score":-0.02953466773033142}],"sentiment":"neutral","sentiment_score":-0.02953466773033142,"channel":0,"num_words":1,"start":2399.6948,"end":2400.1948},{"sentences":[{"text":"if it I get it that if the bill comes into play, then we gotta assess.","start":2400.435,"end":2404.7551,"sentiment":"neutral","sentiment_score":-0.13397820573300123},{"text":"And then if the bill comes into play, then it would be financially, our best thing would be to knock down and build two properties or something like that or rent and then take losses.","start":2404.7551,"end":2418.5798,"sentiment":"neutral","sentiment_score":-0.18509660065174102},{"text":"But if the bill what I'm just curious.","start":2419.76,"end":2422.18,"sentiment":"neutral","sentiment_score":-0.1386212334036827},{"text":"If the bill doesn't come through, what would be what would be the smartest financial move for us if we wanna, like if things","start":2422.3198,"end":2429.975,"sentiment":"neutral","sentiment_score":-0.08890515154538055}],"sentiment":"neutral","sentiment_score":-0.14294850384165725,"channel":1,"num_words":83,"start":2400.435,"end":2429.975},{"sentences":[{"text":"Yep.","start":2429.6602,"end":2430.1602,"sentiment":"neutral","sentiment_score":-0.0040039559826254845}],"sentiment":"neutral","sentiment_score":-0.0040039559826254845,"channel":0,"num_words":1,"start":2429.6602,"end":2430.1602},{"sentences":[{"text":"don't 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residence because you're likely gonna have a higher loan on that property, and the loan on your main primary residence is nontax deductible.","start":2437.9001,"end":2455.525,"sentiment":"neutral","sentiment_score":0.04395998323505575},{"text":"And then the loan you have on the property you currently have becomes tax deductible, keep that property, and rent it out, and hopefully try to negatively give that a little bit so that, you know, you get those tax breaks there.","start":2456.28,"end":2467.98,"sentiment":"neutral","sentiment_score":-0.052938989895795076},{"text":"That would be the most cost effective way to meet that goal.","start":2468.04,"end":2470.965,"sentiment":"positive","sentiment_score":0.45362495134274167}],"sentiment":"neutral","sentiment_score":0.03472470345672305,"channel":0,"num_words":131,"start":2431.98,"end":2470.965},{"sentences":[{"text":"It gives you a new family home, hopefully, something that's bigger that suits you guys a bit more closer to the area that you wanna be in, and then you can still keep that property you have at the moment that that you really enjoy and just, you know, know, rent it out for a bit of time until you know?","start":2470.965,"end":2486.39,"sentiment":"positive","sentiment_score":0.4931201846873174},{"text":"So so much time you decide you don't wanna subdivide or you wanna sell it off or depending on what your goals are down the track.","start":2486.39,"end":2493.3499,"sentiment":"neutral","sentiment_score":0.08311241062787864},{"text":"But if this bill doesn't go through, that's generally the easiest option and the cheapest option and the fastest option to go through.","start":2493.3499,"end":2501.3452,"sentiment":"neutral","sentiment_score":0.13369515149489694}],"sentiment":"neutral","sentiment_score":0.32105674933303485,"channel":0,"num_words":110,"start":2470.965,"end":2501.3452},{"sentences":[{"text":"What's the most financially smart option for, like, financially in the future sort 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costs individually, we can have a look at that as opposed to what you current yeah.","start":2535.3801,"end":2541.38,"sentiment":"neutral","sentiment_score":0.019140279591083526},{"text":"You currently have with the house and maybe renting that out and see which option's viable.","start":2541.38,"end":2546.36,"sentiment":"neutral","sentiment_score":0.04603617312386632},{"text":"But, realistically, just look at your goal at the moment.","start":2547.06,"end":2549.8801,"sentiment":"neutral","sentiment_score":0.13325546458363532},{"text":"It's keeping the property, renting it out.","start":2550.325,"end":2552.645,"sentiment":"positive","sentiment_score":0.33806853209223064},{"text":"That gives you income faster.","start":2552.645,"end":2555.145,"sentiment":"positive","sentiment_score":0.4103753924369812}],"sentiment":"neutral","sentiment_score":0.1105713824194575,"channel":0,"num_words":63,"start":2535.3801,"end":2555.145},{"sentences":[{"text":"It's less likely to be, you know, empty for 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being.","start":2561.445,"end":2577.73,"sentiment":"neutral","sentiment_score":0.323147938160573},{"text":"You can keep the the property you do have here that you do like as well.","start":2578.545,"end":2582.645,"sentiment":"positive","sentiment_score":0.5618763659149408},{"text":"Rent that out.","start":2582.9448,"end":2583.905,"sentiment":"neutral","sentiment_score":0.32199318210283917},{"text":"You get them to then negatively gear that property as well as have your sort of forever home over there, and it tends to be a lot more cost effective to do that.","start":2583.905,"end":2592.805,"sentiment":"neutral","sentiment_score":0.19376211545684122}],"sentiment":"neutral","sentiment_score":0.3147402219144644,"channel":0,"num_words":113,"start":2560.565,"end":2592.805},{"sentences":[{"text":"It's also a lot quicker our process can be done in only, you know, one to two to three months as opposed to, you know, twelve to two years depending on how long it takes to go through the whole 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loan.","start":3509.4448,"end":3514.825,"sentiment":"positive","sentiment_score":0.4987597053959256},{"text":"But if you can train your brain to sort of not spend that money quickly, then putting it into the offset account is a really good idea because if you have, you know, a large expenditure, something to the kids that you have to pay for, the car breaks down, or you have to get a new car down the track, you can withdraw that money back.","start":3515.28,"end":3532.265,"sentiment":"positive","sentiment_score":0.4183262909081445},{"text":"But whilst it's sitting in the offset account, it is offsetting the interest that you are paying on the loan and does the same thing as sitting on the loan directly.","start":3532.265,"end":3540.365,"sentiment":"neutral","sentiment_score":0.06997479125857353}],"sentiment":"neutral","sentiment_score":0.3275562053007123,"channel":0,"num_words":152,"start":3501.6848,"end":3540.365},{"sentences":[{"text":"So I always suggest start with something small, 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offering their home loans now for refinance and the rest.","start":3606.7249,"end":3610.565,"sentiment":"neutral","sentiment_score":0.1470470062711022},{"text":"But one one option I'm seriously considering is actually pulling our home loan across to that where we have all of our savers set up for the or essentially a digital envelope system right at the end of the day.","start":3610.565,"end":3627.8901,"sentiment":"neutral","sentiment_score":0.1608629560098052},{"text":"But","start":3627.8901,"end":3628.3901,"sentiment":"neutral","sentiment_score":0.11726219952106476}],"sentiment":"neutral","sentiment_score":0.15710187517106533,"channel":1,"num_words":52,"start":3606.7249,"end":3628.3901},{"sentences":[{"text":"Yes.","start":3628.52,"end":3629.02,"sentiment":"neutral","sentiment_score":0.05754045769572258}],"sentiment":"neutral","sentiment_score":0.05754045769572258,"channel":0,"num_words":1,"start":3628.52,"end":3629.02},{"sentences":[{"text":"all of that's supposed to then count as 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involved.","start":4219.19,"end":4223.45,"sentiment":"neutral","sentiment_score":0.11261270294586817},{"text":"I'll look at the recommendation based on your current goal, but then I'll also do just in the appendices the difference showing you if you just reduce those amounts under the mandated limits for, you know, financial underwriting to make sure we keep you under that limit, what that looks like for you as well so you can decide what you wanna do moving forward.","start":4224.15,"end":4243.9297,"sentiment":"neutral","sentiment_score":0.11812870628558672}],"sentiment":"neutral","sentiment_score":0.17174239647249842,"channel":0,"num_words":129,"start":4205.3047,"end":4243.9297},{"sentences":[{"text":"Does that sound okay?","start":4243.9297,"end":4245.07,"sentiment":"neutral","sentiment_score":0.11247025988996029}],"sentiment":"neutral","sentiment_score":0.11247025988996029,"channel":0,"num_words":4,"start":4243.9297,"end":4245.07},{"sentences":[{"text":"Yep.","start":4245.5,"end":4245.74,"sentiment":"neutral","sentiment_score":0.0883391723036766},{"text":"Yep.","start":4245.74,"end":4246.06,"sentiment":"neutral","sentiment_score":0.12132125347852708},{"text":"Sounds good.","start":4246.06,"end":4246.8003,"sentiment":"neutral","sentiment_score":0.3140507936477661}],"sentiment":"neutral","sentiment_score":0.20944050326943398,"channel":1,"num_words":4,"start":4245.5,"end":4246.8003},{"sentences":[{"text":"Yep.","start":4247.13,"end":4247.53,"sentiment":"neutral","sentiment_score":0.24054329097270968},{"text":"Beautiful.","start":4247.53,"end":4248.01,"sentiment":"positive","sentiment_score":0.5266566276550293},{"text":"All good.","start":4248.01,"end":4248.4097,"sentiment":"positive","sentiment_score":0.44303563237190247},{"text":"If you finally have other questions, let me know.","start":4248.4097,"end":4250.17,"sentiment":"neutral","sentiment_score":0.2426336622900433},{"text":"I'm always here happy to help, Matthew.","start":4250.17,"end":4251.85,"sentiment":"positive","sentiment_score":0.5008160940238408}],"sentiment":"positive","sentiment_score":0.36713434010744095,"channel":0,"num_words":20,"start":4247.13,"end":4251.85},{"sentences":[{"text":"And it's been lovely to chat to you, Camille.","start":4251.85,"end":4254.01,"sentiment":"positive","sentiment_score":0.6336820092466142},{"text":"I hope you've had a good day.","start":4254.01,"end":4255.4697,"sentiment":"positive","sentiment_score":0.49314290285110474}],"sentiment":"positive","sentiment_score":0.5721961501985788,"channel":0,"num_words":16,"start":4251.85,"end":4255.4697},{"sentences":[{"text":"Yes.","start":4256.0454,"end":4256.285,"sentiment":"neutral","sentiment_score":0.19833798706531525},{"text":"I have.","start":4256.285,"end":4257.0054,"sentiment":"neutral","sentiment_score":0.2502637207508087},{"text":"Thank you.","start":4257.0054,"end":4257.825,"sentiment":"positive","sentiment_score":0.41237597167491913}],"sentiment":"neutral","sentiment_score":0.3047234743833542,"channel":1,"num_words":5,"start":4256.0454,"end":4257.825},{"sentences":[{"text":"That's okay.","start":4258.325,"end":4259.205,"sentiment":"positive","sentiment_score":0.3919486105442047},{"text":"You you get to put your feet up and relax a little bit now.","start":4259.205,"end":4261.9453,"sentiment":"positive","sentiment_score":0.41116634224142345}],"sentiment":"positive","sentiment_score":0.4087641257792711,"channel":0,"num_words":16,"start":4258.325,"end":4261.9453},{"sentences":[{"text":"Yeah.","start":4263.165,"end":4263.665,"sentiment":"neutral","sentiment_score":0.2692110240459442},{"text":"It's actually our thirteenth year wedding anniversary tonight, so we're gonna","start":4264.765,"end":4270.43,"sentiment":"neutral","sentiment_score":0.3297435695474798}],"sentiment":"neutral","sentiment_score":0.32469919075568515,"channel":1,"num_words":12,"start":4263.165,"end":4270.43},{"sentences":[{"text":"Congratulations.","start":4270.16,"end":4270.66,"sentiment":"positive","sentiment_score":0.4517492353916168}],"sentiment":"positive","sentiment_score":0.4517492353916168,"channel":0,"num_words":1,"start":4270.16,"end":4270.66},{"sentences":[{"text":"go we're we're not gonna speaking of saving money really bad, we're gonna go out tonight for dinner.","start":4270.43,"end":4277.49,"sentiment":"neutral","sentiment_score":0.17431001489361128}],"sentiment":"neutral","sentiment_score":0.17431001489361128,"channel":1,"num_words":18,"start":4270.43,"end":4277.49},{"sentences":[{"text":"Oh,","start":4278.15,"end":4278.4,"sentiment":"neutral","sentiment_score":0.18908709287643433}],"sentiment":"neutral","sentiment_score":0.18908709287643433,"channel":0,"num_words":1,"start":4278.15,"end":4278.4},{"sentences":[{"text":"Because","start":4278.19,"end":4278.69,"sentiment":"neutral","sentiment_score":0.2004425823688507}],"sentiment":"neutral","sentiment_score":0.2004425823688507,"channel":1,"num_words":1,"start":4278.19,"end":4278.69},{"sentences":[{"text":"congratulations.","start":4278.4,"end":4278.9,"sentiment":"positive","sentiment_score":0.377915471792221}],"sentiment":"positive","sentiment_score":0.377915471792221,"channel":0,"num_words":1,"start":4278.4,"end":4278.9},{"sentences":[{"text":"the the kids said, oh, we'll have to go out and celebrate because it's your wedding anniversary.","start":4278.995,"end":4282.1353,"sentiment":"neutral","sentiment_score":0.33250102400779724}],"sentiment":"neutral","sentiment_score":0.33250102400779724,"channel":1,"num_words":17,"start":4278.995,"end":4282.1353},{"sentences":[{"text":"Yes.","start":4282.0,"end":4282.5,"sentiment":"neutral","sentiment_score":0.2577168047428131}],"sentiment":"neutral","sentiment_score":0.2577168047428131,"channel":0,"num_words":1,"start":4282.0,"end":4282.5},{"sentences":[{"text":"Like, we should teach them how to celebrate things like that.","start":4282.275,"end":4285.795,"sentiment":"positive","sentiment_score":0.33432741869579663},{"text":"So","start":4285.795,"end":4286.295,"sentiment":"neutral","sentiment_score":0.23585745692253113}],"sentiment":"neutral","sentiment_score":0.3261215885480245,"channel":1,"num_words":12,"start":4282.275,"end":4286.295},{"sentences":[{"text":"Absolutely.","start":4286.705,"end":4287.205,"sentiment":"neutral","sentiment_score":0.20593202114105225}],"sentiment":"neutral","sentiment_score":0.20593202114105225,"channel":0,"num_words":1,"start":4286.705,"end":4287.205},{"sentences":[{"text":"he's gonna go find a gonna go find a pub","start":4286.755,"end":4288.835,"sentiment":"neutral","sentiment_score":0.051622922718524936}],"sentiment":"neutral","sentiment_score":0.051622922718524936,"channel":1,"num_words":10,"start":4286.755,"end":4288.835},{"sentences":[{"text":"Yep.","start":4288.625,"end":4289.125,"sentiment":"neutral","sentiment_score":0.045131854712963104}],"sentiment":"neutral","sentiment_score":0.045131854712963104,"channel":0,"num_words":1,"start":4288.625,"end":4289.125},{"sentences":[{"text":"that does typically free, hopefully.","start":4288.835,"end":4290.375,"sentiment":"neutral","sentiment_score":0.09879825338721275}],"sentiment":"neutral","sentiment_score":0.09879825338721275,"channel":1,"num_words":5,"start":4288.835,"end":4290.375},{"sentences":[{"text":"Oh, that'll be amazing.","start":4291.3447,"end":4292.725,"sentiment":"positive","sentiment_score":0.6742374897003174},{"text":"Congratulations.","start":4292.8647,"end":4293.3647,"sentiment":"positive","sentiment_score":0.8271263837814331},{"text":"Seven years is incredible.","start":4293.8247,"end":4295.045,"sentiment":"positive","sentiment_score":0.8034955412149429},{"text":"That's fantastic.","start":4295.2646,"end":4296.085,"sentiment":"positive","sentiment_score":0.9121220409870148},{"text":"You enjoy that night.","start":4296.225,"end":4297.505,"sentiment":"positive","sentiment_score":0.879446417093277}],"sentiment":"positive","sentiment_score":0.8053392171859741,"channel":0,"num_words":15,"start":4291.3447,"end":4297.505},{"sentences":[{"text":"It's well deserved.","start":4297.505,"end":4298.645,"sentiment":"positive","sentiment_score":0.8377020955085754},{"text":"All good.","start":4301.54,"end":4302.26,"sentiment":"positive","sentiment_score":0.7755133509635925},{"text":"I'll let you both go.","start":4302.26,"end":4303.3,"sentiment":"positive","sentiment_score":0.5985239148139954},{"text":"Happy anniversary.","start":4303.3,"end":4304.1196,"sentiment":"positive","sentiment_score":0.6671091318130493},{"text":"I'll talk to you very soon.","start":4304.34,"end":4305.38,"sentiment":"positive","sentiment_score":0.3706907033920288}],"sentiment":"positive","sentiment_score":0.5897286136945089,"channel":0,"num_words":18,"start":4297.505,"end":4305.38},{"sentences":[{"text":"If there's anything else that comes up question wise, just let me know.","start":4305.38,"end":4308.1797,"sentiment":"neutral","sentiment_score":0.12557396980432364},{"text":"Okay?","start":4308.1797,"end":4308.6797,"sentiment":"neutral","sentiment_score":0.11582031846046448}],"sentiment":"neutral","sentiment_score":0.1248772804226194,"channel":0,"num_words":14,"start":4305.38,"end":4308.6797},{"sentences":[{"text":"Okay.","start":4309.189,"end":4309.509,"sentiment":"neutral","sentiment_score":0.2190435528755188},{"text":"Thank you.","start":4309.509,"end":4310.069,"sentiment":"positive","sentiment_score":0.6568654179573059},{"text":"Thank you.","start":4310.069,"end":4310.8887,"sentiment":"positive","sentiment_score":0.6365270018577576}],"sentiment":"positive","sentiment_score":0.5611656785011292,"channel":1,"num_words":5,"start":4309.189,"end":4310.8887},{"sentences":[{"text":"Thanks, Matthew.","start":4310.6597,"end":4311.46,"sentiment":"positive","sentiment_score":0.6208038628101349},{"text":"Thanks, Camille.","start":4311.46,"end":4312.1797,"sentiment":"positive","sentiment_score":0.6082026064395905},{"text":"See you later.","start":4312.1797,"end":4312.9,"sentiment":"positive","sentiment_score":0.46244295438130695},{"text":"Bye.","start":4312.9,"end":4313.4,"sentiment":"neutral","sentiment_score":-0.10984281450510024}],"sentiment":"positive","sentiment_score":0.4669373733922839,"channel":0,"num_words":8,"start":4310.6597,"end":4313.4}]},"summary":{"result":"success","short":"The Oakey Financial representative discusses the impact of income reduction and advises reducing income and increasing retirement plans to maintain a healthy lifestyle. They emphasize the importance of maintaining a healthy lifestyle and recommend doing the process of subdivision planning, updating the plan, and reviewing the property to determine the best financial decision. The speaker emphasizes the benefits of keeping access to Australian equities and balancing retirement and work for a family, as well as the negative consequences of a trust and the need for a budget to help with financial underwriting. They offer to send an annual review pack and reduce financial underwriting to keep underwriting limits."},"intents":{"segments":[{"text":"I had to book in for a bit of a catch up in relation to some changes to your circumstances and also talking about subdivisions.","start_word":41,"end_word":65,"intents":[{"intent":"Discuss developments to circumstances and subdivisions","confidence_score":0.0016664135}]},{"text":"I had to book in for a bit of a catch up in relation to some changes to your circumstances and also talking about subdivisions. Is now still a good time there for you? Yeah.","start_word":41,"end_word":75,"intents":[{"intent":"Book catch up","confidence_score":0.22176923}]},{"text":"So you're on a higher Yep. income at the moment. Is that right? Yeah.","start_word":169,"end_word":182,"intents":[{"intent":"Discuss issues with income and net earnings","confidence_score":0.0000069213093},{"intent":"Check net earnings","confidence_score":0.0062643783}]},{"text":"Can I get you to repeat that last one for me?","start_word":358,"end_word":368,"intents":[{"intent":"Replay numbers","confidence_score":0.0010659903}]},{"text":"With the insurances, we were looking at making sure if anything happened to you, that your life cover and your TPD covered your mortgage completely, so it's made it free and clear, and then also one year's worth of net income.","start_word":433,"end_word":473,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.037671134}]},{"text":"We're looking at sort of five to ten years worth of income because you are still alive and could be needing ongoing medical support and recovery replacement of things. With the income protection side of things, we were looking to reduce the waiting period to thirty years, have a five year benefit period, but then making sure that you had up to 70% of your income covered in the event of anything happening. Does that still sound fairly accurate? Yeah.","start_word":527,"end_word":606,"intents":[{"intent":"Discuss income","confidence_score":0.018331613}]},{"text":"With the income protection side of things, we were looking to reduce the waiting period to thirty years, have a five year benefit period, but then making sure that you had up to 70% of your income covered in the event of anything happening. Does that still sound fairly accurate? Yeah.","start_word":556,"end_word":606,"intents":[{"intent":"Discuss benefit period","confidence_score":0.014004265},{"intent":"Discuss treatment plan","confidence_score":0.00001739981}]},{"text":"I had come up with a recommendation for you. I'll just go back and redid the numbers there.","start_word":664,"end_word":681,"intents":[{"intent":"Confirm recommendation","confidence_score":0.013325229}]},{"text":"However, when we do look at, especially with power with insurers, when you are getting essentially a high amount of, say, life PPD, critical illness, and income protection, depending on the amount in your age, once you kinda get up above those sort of 2,500,000 mark to 3,000,000 mark, they actually start having mandated financial and medical underwriting. Did you want me Yep.","start_word":745,"end_word":807,"intents":[{"intent":"Recommend underwriting","confidence_score":0.05462964}]},{"text":"So what what is the financial and medical underwriting? So Accountable. So mandated medical, they're medic. just getting health checks to make sure they still Yeah. wanna absorb me, I imagine. What's the financial one? Yeah.","start_word":839,"end_word":874,"intents":[{"intent":"Explain financial","confidence_score":0.00035641456}]},{"text":"I looked at it last time for life and TBD to keep you above the tax level for TBD, we were actually needing to apply for 2.8. So I could reduce it back a little bit just under the 2.5 to limit any financial underwriting that isn't, you know, that you don't need to go through.","start_word":1007,"end_word":1062,"intents":[{"intent":"Explain tax implications","confidence_score":0.0037103954}]},{"text":"So that's why they have those stipulations on those higher But I'm sums but I'm insured. not just looking for a big payout or something like that there. Yeah.","start_word":1155,"end_word":1183,"intents":[{"intent":"Analyze medicare benefits and stipulations","confidence_score":6.6791297e-9}]},{"text":"So we're looking at Monday at 03:30. I do have an appointment that time, but I could do the 05:00 appointment afterwards if you prefer, or I could Yeah.","start_word":1705,"end_word":1733,"intents":[{"intent":"Schedule appointment","confidence_score":0.23387176}]},{"text":"So I'll pop that in there for you for 03:30.","start_word":1810,"end_word":1819,"intents":[{"intent":"Plan meeting","confidence_score":0.04600981}]},{"text":"But but, yeah, it can we're trying to figure out should we be doing anything else and now looking at what comes through the budget that sort Yes.","start_word":2111,"end_word":2138,"intents":[{"intent":"Discuss spending decisions","confidence_score":0.000055324523}]},{"text":"So one of the things that obviously, when you're talking about you've you know, you're making a really good income at the moment. You're wanting to look at ways to invest. Are you sort of hoping to be able to maybe reduce some of the taxable tax that you're paying towards your income, kind of free up some extra cash flow?","start_word":2232,"end_word":2292,"intents":[{"intent":"Discuss investment","confidence_score":0.002130627},{"intent":"Consider retirement plans","confidence_score":0.00003807088}]},{"text":"I look to go on sale right now, I need to buy in the same market and I probably end up losing money to be fair. It's because Yeah.","start_word":2404,"end_word":2432,"intents":[{"intent":"Discuss future options","confidence_score":0.013193405},{"intent":"Look at options","confidence_score":0.00013644384}]},{"text":"So and you've the been looking sorry. You're right. So the interesting part is since we bought this place, I mean, it's Brisbane value a lot. So what realestate.","start_word":2485,"end_word":2513,"intents":[{"intent":"Evaluate real estate investment","confidence_score":0.004359618}]},{"text":"Most of them take anywhere from eighteen months to just over two years.","start_word":3404,"end_word":3416,"intents":[{"intent":"Determine project requirements","confidence_score":0.0003734364}]},{"text":"So you might need to look at buying something as your main primary residence beforehand and then going to the process of the subdivision as well, which depending on sort of what you're after, can put a bit more of a strain on the budget.","start_word":3553,"end_word":3597,"intents":[{"intent":"Analyze mortgage options","confidence_score":0.005277475}]},{"text":"I know housing market has sort of decreased in a lot of areas, but real estate agents are still selling properties. People still wanna get into the market. So it could still be a good time to assess that, but it just comes down to the time capacity you have to do this to liaise with the conveyances, with the builders, with the land and titles office, and with your local council to make sure all the plans go through.","start_word":4174,"end_word":4253,"intents":[{"intent":"Evaluate affordability and potential sale outcomes","confidence_score":9.2480214e-8}]},{"text":"way, you've got you've got that capacity to go through the subdivision and knock down the house and then build those two properties. That way, you are still meeting those conditions under the new legislation if it goes through. Yeah.","start_word":4379,"end_word":4418,"intents":[{"intent":"Explaining legislation requirements","confidence_score":0.0028733981}]},{"text":"I I think She said you'd have to know family staff. Is that okay? To avoid the taxing fees.","start_word":4422,"end_word":4440,"intents":[{"intent":"Identifying family staff","confidence_score":0.0036201114}]},{"text":"So Because under the it under the eligibility for the new build, they've given four conditions.","start_word":4473,"end_word":4488,"intents":[{"intent":"Discussing new build conditions and their eligibility for new building","confidence_score":6.4034167e-10}]},{"text":"So Because under the it under the eligibility for the new build, they've given four conditions. The first one is a newly constructed apartment bought off the plan, a duplex a duplex constructed through a knockdown and rebuild, replacing a single freestanding house, which is where the subdivision side of things comes into.","start_word":4473,"end_word":4525,"intents":[{"intent":"Introducing new building conditions","confidence_score":0.00026686743}]},{"text":"Oh, the last condition is a newly built property which is occupied for less than twelve months before being first sold. So if someone else has maybe built a house or, you know, build a house in the short term and they've only owned it for less than twelve months and then then they sell it on to you, then that still meets that condition of a new build as well.","start_word":4622,"end_word":4692,"intents":[{"intent":"Discussing future use of a newly constructed property","confidence_score":0.000013358315}]},{"text":"I know there was a couple of years ago quite a backlog in building, so I'm not sure what the construction industry looks like in your area at the moment, but so long as they don't have a huge backlog, it could definitely make things a little bit easier.","start_word":5004,"end_word":5052,"intents":[{"intent":"Evaluate building industry","confidence_score":0.050833814}]},{"text":"The other side of this is they may go through this because it's a bill at the moment. It's then gonna go to the lower and the upper house. It may get to these houses, and it doesn't go through as it is. They may have to make changes to this.","start_word":5241,"end_word":5291,"intents":[{"intent":"Discuss bill changes","confidence_score":0.01316493}]},{"text":"Then changes come to the bill, and it does and it affects you a little bit too much.","start_word":5358,"end_word":5375,"intents":[{"intent":"Explain bill impact","confidence_score":0.043246686},{"intent":"Explain bill impact","confidence_score":0.10864488}]},{"text":"also that risk that there are changes that could happen to this bill as it goes to the lower and the upper house in order for it to go through as well. Yeah.","start_word":5379,"end_word":5411,"intents":[{"intent":"Highlight risk of changes","confidence_score":0.00012087569}]},{"text":"Because, I mean, I think the originally, the reason we started thinking this way was what if we what if we bought close to the school, but we wanted to we were trying to figure out a way that maybe we can still hold on to the current property because we like the area that it's Yeah.","start_word":5413,"end_word":5469,"intents":[{"intent":"Explore property options","confidence_score":0.0014427815}]},{"text":"But, yeah, the biggest risk we have at the moment is that there's just too many unknowns with this bill with what's gonna happen, and jumping into things now could mean that we, you know, have a bill that goes through with changes, which meant that, you know, depending on what you go with, it might not qualify.","start_word":5832,"end_word":5889,"intents":[{"intent":"Assess bill eligibility","confidence_score":0.007199991}]},{"text":"And when you get close to understanding what the legislation's gonna look like as it goes through if it goes through, then it'll give you more certainty around what you can and can't do with investments and how to make that work for you. Does that make Yeah.","start_word":6586,"end_word":6633,"intents":[{"intent":"Understand legislation","confidence_score":0.40359533}]},{"text":"what sort of what's I'm assuming you guys have been doing thinking about what vehicles might be best for, a, reducing Mhmm. taxable income for high income tax owners and and sort of creating those other investment streams outside of properties, seeing negative gearing has Yep. been popular for so long.","start_word":6651,"end_word":6701,"intents":[{"intent":"Reduce income","confidence_score":0.258802}]},{"text":"I'm sure you guys would be busy trying to think up what what happens and because you'd have to Yeah. be pivoting a lot of people. Right? So Yeah.","start_word":6712,"end_word":6740,"intents":[{"intent":"Think up priorities","confidence_score":0.0014472874}]},{"text":"be pivoting a lot of people. Right? So Yeah.","start_word":6732,"end_word":6740,"intents":[{"intent":"Think up pivoting people","confidence_score":0.00025268606}]},{"text":"the the family trust is also supposed to get hit. So at the moment, family trust, when you have one, in income goes or the whatever's owned by the family trust makes the income, and then the income just gets distributed to the beneficiaries. And you can work the trust so you distribute income to lower, you know, to lower like, if you between yourself and Yep.","start_word":6770,"end_word":6836,"intents":[{"intent":"Work trust","confidence_score":0.51871777},{"intent":"Work trust","confidence_score":0.31410545},{"intent":"Work trust","confidence_score":0.17660296}]},{"text":"Camille, if Camille's on less money than you, you could put more income to her at a lower tax rate than yourself, and you can distribute that those funds to income in a much more conservative way.","start_word":6837,"end_word":6873,"intents":[{"intent":"Add income to income","confidence_score":0.0006566735},{"intent":"Share income","confidence_score":0.0005965528}]},{"text":"However, with the new changes, trust are gonna have to pay income income tax at about 30%, and then it gets distributed out.","start_word":6874,"end_word":6896,"intents":[{"intent":"Pay income tax","confidence_score":0.20096801}]},{"text":"So there are definitely structures that we can use, the structures we like using as advisers, but right now, unfortunately, the the the new bills are kind of hitting the tax side for all of those structures except Yes.","start_word":7124,"end_word":7162,"intents":[{"intent":"Address tax consequences","confidence_score":0.010578069}]},{"text":"if it I get it that if the bill comes into play, then we gotta assess. And then if the bill comes into play, then it would be financially, our best thing would be to knock down and build two properties or something like that or rent and then take losses. But if the bill what I'm just curious.","start_word":7618,"end_word":7676,"intents":[{"intent":"Evaluate bill impact","confidence_score":0.51855934}]},{"text":"So if the bill doesn't go through and, realistically, what you could do, the easiest and cheapest option would be to buy a property, your next family home, keep as your main residence because you're likely gonna have a higher loan on that property, and the loan on your main primary residence is nontax deductible.","start_word":7732,"end_word":7786,"intents":[{"intent":"Sell house","confidence_score":0.00004957327}]},{"text":"You just gotta make sure that the cost is going to work to work for you. I could, down the track, if you like, provide a bit more advice around whether it's viable, but we'd need to understand a bit more around the cost of the conveyances, how much it's gonna cost to have all the conveyances and the mortgage brokers and the the cost of building and things like that.","start_word":7989,"end_word":8059,"intents":[{"intent":"Determine cost","confidence_score":0.02859663}]},{"text":"I could, down the track, if you like, provide a bit more advice around whether it's viable, but we'd need to understand a bit more around the cost of the conveyances, how much it's gonna cost to have all the conveyances and the mortgage brokers and the the cost of building and things like that.","start_word":8005,"end_word":8059,"intents":[{"intent":"Provide advice on cost","confidence_score":0.0002572811}]},{"text":"If I can get a breakdown of all those costs individually, we can have a look at that as opposed to what you current yeah.","start_word":8061,"end_word":8085,"intents":[{"intent":"Understand cost breakdown and prioritize investment options","confidence_score":1.881865e-8}]},{"text":"You currently have with the house and maybe renting that out and see which option's viable.","start_word":8085,"end_word":8100,"intents":[{"intent":"Discuss potential options to new home","confidence_score":2.9708039e-8}]},{"text":"So with serviceability wise, with the income, I would just sort of, you know, have a chat to a mortgage broker to find out what, you know, what they're sort of after. You can even have a chat to a mortgage broker now just in, you know, running up to it. We can refer you to one if you like just to sort of have a look at what your current serviceability would look like at the moment.","start_word":8341,"end_word":8418,"intents":[{"intent":"Discuss serviceability and potential options","confidence_score":0.036212426},{"intent":"Discuss current serviceability and determine potential future options","confidence_score":0.00006652534},{"intent":"Discuss current serviceability and potential options","confidence_score":0.04254361}]},{"text":"So, normally, depending on how you they structure the loan for you, you can have it structured three ways.","start_word":8510,"end_word":8528,"intents":[{"intent":"Educate about loan structure","confidence_score":0.03204545}]},{"text":"So it still ends up being a a pretty hefty loan on the other side depending on how much things cost as well. Right? Yeah. Absolutely.","start_word":8903,"end_word":8928,"intents":[{"intent":"Evaluate property options","confidence_score":0.0027378302}]},{"text":"I mean, equity loans still charge at your normal interest rate, right, depending Yeah.","start_word":9195,"end_word":9208,"intents":[{"intent":"Describe equity loans","confidence_score":0.00050139276}]},{"text":"And you're sort of hoping that when you sell that property, if you sell it, that you're gonna make a profit. Whereas, you know, there have been instances where people have bought properties in Melbourne or Sydney, and whilst the market's gone up over ten years, that property itself or the area hasn't gone up as much, and therefore, they haven't made as much of a gain.","start_word":9753,"end_word":9819,"intents":[{"intent":"Assess property value","confidence_score":0.00598211}]},{"text":"Just having a quick look because I did have, as part of the call, your annual review docs here as well for you to kinda give you an update on your super.","start_word":9887,"end_word":9918,"intents":[{"intent":"Update super's performance","confidence_score":0.037035175}]},{"text":"And then, look, projections can change over time depending Yep. on what markets do. But, look, we're just trying to make sure we get you super to the best possible outcome.","start_word":10311,"end_word":10341,"intents":[{"intent":"Update financial projections","confidence_score":0.010506448}]},{"text":"And with regards to the investment property and the property side of things, there's a lot of unknowns, so it does make it very difficult to make a decision at the moment.","start_word":10591,"end_word":10622,"intents":[{"intent":"Inquire about investment property","confidence_score":0.011613685}]},{"text":"And with regards to the investment property and the property side of things, there's a lot of unknowns, so it does make it very difficult to make a decision at the moment. But do you guys have any other questions? Have I answered those questions for you? Is there anything else you wanted me to look into or any other questions you might have?","start_word":10591,"end_word":10654,"intents":[{"intent":"Discuss investing strategies","confidence_score":0.005201762}]},{"text":"The the budget sort of threw a spanner It in any of our thoughts, but the I think the big takeaway did. for me at the moment is I I was trying to I was trying to think of creative ways where we could get away with this without having Yeah.","start_word":10660,"end_word":10710,"intents":[{"intent":"Express dissatisfaction with budgeting","confidence_score":0.0064963023}]},{"text":"much capital built up behind us at the moment just because we don't have a huge chunk behind us. But Yeah.","start_word":10711,"end_word":10731,"intents":[{"intent":"Discuss financial constraints","confidence_score":0.00048142535}]},{"text":"maybe maybe what we need to think about is how do we get that capital built up. And are there are there other are there other ways apart from trying to scrounge money together that we could use to build capital faster for other terms or other more short term investment vehicles that we can do to build that faster?","start_word":10761,"end_word":10820,"intents":[{"intent":"Discuss options for capital building","confidence_score":0.0070043984}]},{"text":"And are there are there other are there other ways apart from trying to scrounge money together that we could use to build capital faster for other terms or other more short term investment vehicles that we can do to build that faster?","start_word":10778,"end_word":10820,"intents":[{"intent":"Discuss investment vehicles","confidence_score":0.0015888413}]},{"text":"I mean, it's all gonna come with risk. Right? If it's short term, the only Yeah. problem.","start_word":10821,"end_word":10837,"intents":[{"intent":"Discuss risk of borrowing money","confidence_score":0.00045070497}]},{"text":"So there are other ways where we could look at, you know, our investments outside of Super, but you are then risking money that could be on your mortgage.","start_word":10841,"end_word":10869,"intents":[{"intent":"Discuss limiting money","confidence_score":0.0000061352607}]},{"text":"One of the biggest risks with doing that is people go, oh, I've got all this extra money sitting there. So we Yes. can have that extra holiday.","start_word":10960,"end_word":10987,"intents":[{"intent":"Discuss impact of extra holidays","confidence_score":0.00007330715}]},{"text":"If you have larger lump sums, putting it on the loan is a good thing because it really reduces the loan.","start_word":11016,"end_word":11036,"intents":[{"intent":"Express interest in putting money on loan","confidence_score":0.00051027467}]},{"text":"Down the track, there's also things we can also look at, you know, investment bonds or building investment accounts outside of super, but then you're sort of looking at whether the investment is is likely to get the return that you're paying on your mortgage. At the moment, Yep.","start_word":11179,"end_word":11227,"intents":[{"intent":"Discuss investing and investing","confidence_score":0.0048703477},{"intent":"Discuss investing options","confidence_score":0.036332253}]},{"text":"putting money into investments, there's no guarantee on that return, and markets So at one the moment are very volatile. Sorry.","start_word":11257,"end_word":11277,"intents":[{"intent":"Express concern about volatile market market","confidence_score":0.000055950688}]},{"text":"they're offering their home loans now for refinance and the rest. But one one option I'm seriously considering is actually pulling our home loan across to that where we have all of our savers set up for the or essentially a digital envelope system right at the end of the day. But Yes.","start_word":11322,"end_word":11374,"intents":[{"intent":"Discuss future home loans and refinance options","confidence_score":2.4044195e-7},{"intent":"Confirm future mortgage options","confidence_score":7.1653824e-7},{"intent":"Discuss obtaining home loan","confidence_score":0.000012786197}]},{"text":"And having multiple offset accounts is a really good idea. So you can move money around as you need it, but it all still is offsetting the account for you. So that is a really good idea.","start_word":11468,"end_word":11504,"intents":[{"intent":"Promote multiple offset accounts","confidence_score":0.0022233601}]},{"text":"And while while we're looking good for retirement, it's how do we how how do I get to the point where I feel like I'm actually making that that money that I am actually making? I Yeah.","start_word":11978,"end_word":12014,"intents":[{"intent":"Make money","confidence_score":0.0071908715}]},{"text":"If you ever wanted me to, I can send you a a budget planner as well.","start_word":12033,"end_word":12048,"intents":[{"intent":"Send budget planner","confidence_score":0.18055141}]},{"text":"then, of course, it's been down as you don't need all these subscriptions. You don't need this, and you don't need that. And Yeah.","start_word":12235,"end_word":12258,"intents":[{"intent":"Review subscriptions","confidence_score":0.0056843064}]},{"text":"And, realistically, when from we're you. on, you know, a higher income, we wanna be able to save as much tax as possible. You know, we can never make a recommendation solely to avoid paying tax.","start_word":12483,"end_word":12518,"intents":[{"intent":"Update tax legislation","confidence_score":0.0006552092}]},{"text":"And, hopefully hopefully, before July next year, we'll have a little bit more of an understanding of where this is gonna go so we can really look at what's gonna be, you know, prefer preferable to help you meet your goals, but also make it so you're not paying out a huge amount extra in tax, which is more of a disadvantage for you. Okay.","start_word":12935,"end_word":12999,"intents":[{"intent":"Discuss goals","confidence_score":0.020340234}]},{"text":"I'm here to help you out. So, yeah, if there's All anything all you need. good.","start_word":13077,"end_word":13092,"intents":[{"intent":"Provide assistance","confidence_score":0.022202935}]},{"text":"I'll look at the recommendation based on your current goal, but then I'll also do just in the appendices the difference showing you if you just reduce those amounts under the mandated limits for, you know, financial underwriting to make sure we keep you under that limit, what that looks like for you as well so you can decide what you wanna do moving forward. Does that sound okay? Yep.","start_word":13317,"end_word":13386,"intents":[{"intent":"Discuss financial planning","confidence_score":0.022395402}]}]},"sentiments":{"segments":[{"text":"Hello. Matt speaking. Hi, Matthew. It's Dana from Oakey Financial. How are you today? Hello. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.2027876079082489},{"text":"I'm very well. Thank you.","start_word":18,"end_word":22,"sentiment":"positive","sentiment_score":0.6265819668769836},{"text":"A How's everything going? bit wet today, but Yes. apart from Isn't that it? yeah. No. All good. I had to book in for a bit of a catch up in relation to some changes to your circumstances and also talking about subdivisions. Is now still a good time there for you? Yeah. I was thinking maybe if we start with where you got to with the super stuff Yes. and because Camille was just getting home with the kids at the moment because she was keen to, Yeah. you Have know, a chat. listen in on thoughts around what we Yeah. may may not do to weigh up options. Yeah. Yeah. No. Absolutely. All good. So, essentially, we have the advice all ready to go, but one of the things that was kinda noted was you've had a change in your circumstances with your employment. So you're on a higher Yep. income at the moment. Is that right? Yeah. Correct. Yeah. Beautiful. So I believe it's 230,000 per annum. Is that correct? Or Yeah. That's correct. But I Yeah. but that's then being reduced for net with the EV that I've got built in as part of that. So, yeah, I think I gave you the net take home. Yep. Yeah. So take home pay, we've got, I believe, gross is 8,846 and 15<unk> per fortnight, and then Yeah. net Correct. is about 5,733 and 32 Oh, Fortnite. Hold on one second. Say cents. that again. That's okay. It's I've got $8,846.15. Is that month or fortnight? Sorry. That sounds like it should be the net amount. I'm just double check. That's okay. That that could be my total. You're right. The number the number doesn't match with what I'm used to seeing. So I'll just I'll That's just stop at this per that's second. absolutely fine. What? What is that from popcorn when she gets home. No. You're right. $55,733 and 32<unk> next. Sorry. So that 8,000 would have been.","start_word":23,"end_word":355,"sentiment":"neutral","sentiment_score":0.021274611734234176},{"text":"Perfect.","start_word":356,"end_word":356,"sentiment":"positive","sentiment_score":0.3905426561832428},{"text":"So sorry. Can I get you to repeat that last one for me? So it was 5,000 $733.32 net. yep.","start_word":357,"end_word":376,"sentiment":"neutral","sentiment_score":0.009365418925881386},{"text":"Perfect.","start_word":377,"end_word":377,"sentiment":"positive","sentiment_score":0.35083258152008057},{"text":"Net. And so the other one would have been the gross. Yeah. Correct. Yeah. Yep.","start_word":378,"end_word":392,"sentiment":"neutral","sentiment_score":0.05769740045070648},{"text":"Beautiful.","start_word":393,"end_word":393,"sentiment":"positive","sentiment_score":0.5071327686309814},{"text":"And is that fortnightly? Yeah. That's fortnightly.","start_word":394,"end_word":400,"sentiment":"neutral","sentiment_score":0.12781615555286407},{"text":"Yeah. Beautiful. Not a problem at all.","start_word":401,"end_word":407,"sentiment":"positive","sentiment_score":0.4113322794437408},{"text":"I'll go back and redid the numbers there for you. It's just mainly for the insurance side of things and looking at contributions going in there. With the insurances, we were looking at making sure if anything happened to you, that your life cover and your TPD covered your mortgage completely, so it's made it free and clear, and then also one year's worth of net income. We were also looking at the tax component for TPDs and making sure that the amount paid out was after the possibility of the tax for TPD if you're Yep. under the age of 60. And then with the income and then so with TBD, we're also factoring in a bit more income. We're looking at sort of five to ten years worth of income because you are still alive and could be needing ongoing medical support and recovery replacement of things. With the income protection side of things, we were looking to reduce the waiting period to thirty years, have a five year benefit period, but then making sure that you had up to 70% of your income covered in the event of anything happening. Does that still sound fairly accurate? Yeah. Correct. Because I think Yep. I had I had a pretty long wait to access the Yes. people. So Yeah. Absolutely. Absolutely.","start_word":408,"end_word":629,"sentiment":"neutral","sentiment_score":0.1196659654378891},{"text":"so So so so good one when you like the same.","start_word":630,"end_word":640,"sentiment":"positive","sentiment_score":0.34773826599121094},{"text":"I yeah. think No. about Absolutely. it every day. I mean, let me go. Oh, I need to get that sorted. Absolutely. No. Look. I had come up with a recommendation for you. I'll just go back and redid the numbers there.","start_word":641,"end_word":682,"sentiment":"neutral","sentiment_score":-0.0022389390505850315},{"text":"Just with the increase in the income side of things for you, just to kind of work out, I can do one of two things for you. I can definitely work out the new amount you need based on that goal and make the recommendation for those exact amount, show you the cost of it, the effects, the long going ongoing terms there.","start_word":682,"end_word":744,"sentiment":"positive","sentiment_score":0.47855886816978455},{"text":"However, when we do look at, especially with power with insurers, when you are getting essentially a high amount of, say, life PPD, critical illness, and income protection, depending on the amount in your age, once you kinda get up above those sort of 2,500,000 mark to 3,000,000 mark, they actually start having mandated financial and medical underwriting. Did you want me Yep. to, if your goal exceeds those, look at maybe showing you what the reduced amount looks like to keep you under those limits, or would you like to see both? Yes. So what what is the financial and medical underwriting? So Accountable. So mandated medical, they're medic. just getting health checks to make sure they still Yeah. wanna absorb me, I imagine. What's the financial one? Yeah. Financial is looking at essentially your assets and liabilities, making sure that what you have or what you're applying for matches what you realistically need. So they'll wanna see, you know, what your assets and liabilities look like. They'll wanna know, you know, a bit more about your income coming in and things like that. Generally speaking, given your age, because you are still quite young sorry. It's around about that 2,500,000 mark, so I could look to just keep the the amounts under those mandated financial limits if you like to make sure that you don't have to undergo any additional underwriting that's not required as part of the application. Yep. Okay. How how close would I be to that number already? Is it You were pretty close. So when What? I looked at it last time for life and TBD to keep you above the tax level for TBD, we were actually needing to apply for 2.8. So I could reduce it back a little bit just under the 2.5 to limit any financial underwriting that isn't, you know, that you don't need to go through. Realistically, if you don't hit those limits, they don't ask to do any financial underwriting, And medical underwriting only only comes to play if there's something in the application that flags that they need to assess for you. But if you apply for really high amounts above that 2.5 to 3,000,000 mark, Because they are taking on a lot more risk with regards to the amounts they have to pay out, they wanna make sure that that you are healthy, that they are you know, the risk they're taking is worth it. So that's why they have those stipulations on those higher But I'm sums but I'm insured. not just looking for a big payout or something like that there. Yeah. But Yeah. Basically. it but Yeah. it but it does map what I'm yeah. What my Yeah. financial side does. Yeah. Okay. Thanks, Did you want me I can look at both if you like. I can look at recommending what you need and showing you the cost of that, but then in the appendix, I can always put down, you know, the difference if you went just under those amounts. Yeah. If you put the option in there about what it looks like just under because I think what if we just go under it just means I'm losing out more on the tax side if something was to occur at and Yeah. then Yeah. later. Right? That's Abs that's absolutely. Yeah. Just for TPD, but, realistically, I mean, if you were to claim on TPD, we're gonna help you with that claim. But then I'm also gonna give you advice on what to do with the funds to help you limit the tax consequences there. So we can Yeah. do everything in the event of a claim to help. And the biggest risk with having TPD or any insurances is that you pay all the premiums for years and years, and you never actually claim on them. And then you Yes. discover Correct. you don't need them anymore, and they just get canceled too. So yeah. Yeah. I was That's part of the thing. Right? Just making these changes. It'll be Will affect my net cash flow. Right? It's the thing that's in the back of my head as well in finding that balance. Yeah. Absolutely. A hard Absolutely. one. Yeah. That's okay. If you like, I can go back and do the recommendation based on what you actually need and show you the effect of that, but then I can also go back for you if you like and do the just under those limits and show you the difference, one in the recommendation and then one in the appendices, then you can decide which way you wanna go with that. Does that sound okay? Yeah. No. That sounds good.","start_word":745,"end_word":1536,"sentiment":"neutral","sentiment_score":0.008734469292591316},{"text":"Yeah. Beautiful. Excellent. So I'll get on to that one for you, and we'll have that advice document sorted out. It's only a small change to make, so we'll go back and have that updated for you. It's not a problem at all. Easy. All good.","start_word":1537,"end_word":1582,"sentiment":"positive","sentiment_score":0.4583803713321686},{"text":"And with contributions with your new employer, are they just paying the standard 12%? You're not getting anything additional on top of that at the moment? Just just standard. Yeah. They're still a Yeah. still a private company, so they're not wanting to give me more Yeah. than what they have to. No. Understandable. Understandable. All good. Well, that is not a problem. I'll go back and read you those numbers there for you, and I'll be able to have the advice document done. I'll book you back in for two weeks. Is there a preferred day or time to go through the updated advice there with you, Matthew? Let's does this same time in two weeks look okay for you? Yep. So we're looking at Monday at 03:30. I do have an appointment that time, but I could do the 05:00 appointment afterwards if you prefer, or I could Yeah. do the That's Tuesday, good. the twenty sixth. No. Private box should Oh, be fine. Hold on. That's one second, that's okay. I think. That's okay. So You know sorry. I just realized what? it's only one week. Two weeks is the June 1, and it's fine. Sorry. No. That's what I was gonna say. No. That's that's day doesn't that day. It was the twenty fifth what it was for me. Oh, no. All good. So I'll pop that in there for you for 03:30. No. You are oh, you are absolutely fine. I've popped that one in there two weeks for you. My apologies. The month is flying by. It's crazy how fast everything goes.","start_word":1583,"end_word":1850,"sentiment":"neutral","sentiment_score":0.017806181447830662},{"text":"Beautiful.","start_word":1851,"end_word":1851,"sentiment":"positive","sentiment_score":0.5495796799659729},{"text":"I'm sorry. All good.","start_word":1852,"end_word":1855,"sentiment":"neutral","sentiment_score":0.2285940796136856},{"text":"Well, perfect. So the advice, everything's good to go.","start_word":1856,"end_word":1864,"sentiment":"positive","sentiment_score":0.5247809886932373},{"text":"I'll just go back and rejig that for you and have it ready on the June He's 1 at 03:30. That's not a problem at all. Is Camille there? Did she wanna jump on to Hot Chat about the the investment side of things and the subdivision? just he's just just I'm sorting walking out the kids. the door, so Oh, legend. he's got the side one a second. Yeah. You're right. You let me know when. Not a problem at all. If you if with the kids there, if they are, you know, you need a minute, just tell them to stop. It's not a problem. That's right there. I'm speak doing the decompressing. Watching watching Love it. these things after a big big Yep. dad too. So Big day at school. Gosh. as long as they play nice with each other, that'd be fine. That's it. Yeah. We're no. We're finding ourselves an interesting thing at the moment, I guess, because Yeah. I look at I look at how much I'm making and I go, I don't feel like I'm making the amount that I can see on paper at the moment. Yeah. So Yep. I'm Yep. trying to figure out options and what else I can do. Yep. And looking at it going what's some comment? Yeah. So looking looking at it and just going, okay.","start_word":1865,"end_word":2093,"sentiment":"neutral","sentiment_score":0.06565932184457779},{"text":"I know my soup is very healthy for someone my age, which is great.","start_word":2094,"end_word":2107,"sentiment":"positive","sentiment_score":0.3937098979949951},{"text":"Yeah. Yeah. But but, yeah, it can we're trying to figure out should we be doing anything else and now looking at what comes through the budget that sort Yes. of change of thoughts as well.","start_word":2108,"end_word":2143,"sentiment":"neutral","sentiment_score":0.05936299471391572},{"text":"Absolutely. Absolutely.","start_word":2144,"end_word":2145,"sentiment":"positive","sentiment_score":0.4485926032066345},{"text":"And that was the one thing because I know we booked this appointment prior to the budget coming out last week, and then I was looking through it going, oh, no. This is gonna affect our conversation pretty heavily, Oh, actually. that's it. I I I thought about that as well when I heard what they brought out. I'm like, I I I've got a feeling that we'll probably touch on some of those. We'll probably touch Yes. on some of those Yes. things. Yeah.","start_word":2146,"end_word":2230,"sentiment":"neutral","sentiment_score":0.02816198207437992},{"text":"Definitely.","start_word":2231,"end_word":2231,"sentiment":"positive","sentiment_score":0.336292028427124},{"text":"So one of the things that obviously, when you're talking about you've you know, you're making a really good income at the moment.","start_word":2232,"end_word":2254,"sentiment":"neutral","sentiment_score":0.3201424777507782},{"text":"You're wanting to look at ways to invest.","start_word":2255,"end_word":2262,"sentiment":"positive","sentiment_score":0.3884148597717285},{"text":"Are you sort of hoping to be able to maybe reduce some of the taxable tax that you're paying towards your income, kind of free up some extra cash flow? What's the with purchasing another property or subdividing? Look. And this is this is probably where we're a little bit stuck because we're going we we like the place we're in right now, but just because of the kids' needs, etcetera, Yes. we've got them in school on the other side of the of the other side of Brisbane right now because Yes. that school does stuff with Auslan and stuff for our daughter. And we like Yeah. we like where we're living right now, but the the commute backwards and forwards and jumping around that way we're going, would it be easier if we got a pace closer? If Mhmm. I look to go on sale right now, I need to buy in the same market and I probably end up losing money to be fair. It's because Yeah. it's like for like everywhere. So there's more we think we know the options in our head, but we wanted to go off. I've got I've got financial planning advice and thought Yeah. through Of you course. guys, so I could actually make use of it. And Yeah. No. Absolutely. Definitely. So and you've the been looking sorry. You're right. So the interesting part is since we bought this place, I mean, it's Brisbane value a lot. So what realestate.com reckons at 1.45, I think it was, when I looked at it just on over the weekend or Friday. And Yeah. so, I mean, that what we bought 09/20 and we looked at 1.45, that's decent growth. I mean, we've got a Yeah. we've got a mortgage on it of still 700,000. So that Yes. that that chips away. Right? But the other thing that's happened since we bought was we have got there's been planning changes here that I could potentially go and look at getting the block cutting to because of the rezoning here, or at least it's something Yes. I could potentially look into a little bit more, but I don't know how that leaves things open at the same Yeah. time. Yeah.","start_word":2263,"end_word":2638,"sentiment":"neutral","sentiment_score":0.056167185633502745},{"text":"Absolutely.","start_word":2639,"end_word":2639,"sentiment":"positive","sentiment_score":0.3776543140411377},{"text":"Well, I've done I've got a bit of information here on the the side around the subdivision side, and it's not a bad idea, realistically. And under the budget, that does meet, you know, the idea of being able to negatively gear and also utilize the 50% CGT method because that's one of the big things we wanna look at is, you know, if you were to go and buy another property, another preexisting property, whilst buying that now still allows you to negatively gear until this bill goes through or if it goes through with the current, you know, amendments. Exactly. Once this bill then goes through, that changes everything that you're able to do, and then you've purchased the property.","start_word":2640,"end_word":2761,"sentiment":"neutral","sentiment_score":-0.020875848829746246},{"text":"And markets a lot of markets are currently starting to have a bit of a decline.","start_word":2762,"end_word":2777,"sentiment":"negative","sentiment_score":-0.41865643858909607},{"text":"So I know Sydney and Melbourne have started to see a bit of a decline, so Brisbane will, at some point, see some sort of a decline as well. So it's about kinda just making sure that whatever you're doing now to get an investment is gonna be okay for the long run.","start_word":2778,"end_word":2830,"sentiment":"neutral","sentiment_score":-0.10134678333997726},{"text":"You don't wanna kinda get to July next year and discover everything goes through, and then you can no longer know, it's gonna cost you more money.","start_word":2831,"end_word":2857,"sentiment":"negative","sentiment_score":-0.4485181868076325},{"text":"So, realistically, in order to subdivide, are you okay if I start running through the information now? Or Yeah. That's fine. Yeah. Camille will see yourself. yeah? But Hi, Camille.","start_word":2858,"end_word":2887,"sentiment":"neutral","sentiment_score":0.02927228808403015},{"text":"Oh, beautiful.","start_word":2888,"end_word":2889,"sentiment":"positive","sentiment_score":0.4974714517593384},{"text":"Hi, Hi, Camille. Camille. How Sorry. are you? Please please snap me in my little Oh, no. All good. So, realistically, in order to subdivide, most of them take anywhere up to about two years. Majority is around about eighteen months. The process generally starts where you're looking at the initial planning and research, which depending on how things go and, you know, if things stay on time, can normally happen within about one to two to three months. You're looking at consulting with professionals like land surveyors, conveyances to understand the feasibility of the subdivision plans, looking at rezoning laws and making sure that your plans are in line with those sorts of things, making sure the property is eligible for subdivision, accessing infrastructure to determining if there's any additional infrastructure or utilities or public spaces or anything that need need to be added into the area or into the the land to be rezoned and subdivided. And then starting the pre application after that point, which is essentially looking at engaging a surveyor to make sure the application's done correctly with the proposal for the subdivision, looking at initial surveys and gathering all that data to have lodged with the pre application. Then application stage can take anywhere from two to four months if on point. It also comes down to what your council is like and how often they approve things or, you know, what backlog they may be having at the moment as well. And going Yep. down the track with what's happening in the budget, this could become a little bit more prevalent, as there are gonna be so many stipulations around what investors can essentially do. So once you're kind of in that can essentially do. So once you're kind of in that application stage, you're lodging the application for it. So it's preparing, submitting, looking at waiting for council assessment, and then often just going back and forth, making changes to the plan if it's not up to their standard. They wanna make changes or if zoning requires new things, so updating the plans when need be. If all goes well within about sort of three to six months, you can have that conditional approval, which is fine, And then it's sort of looking at address addressing any additional council conditions if they've stipulated additional conditions to the plan or if they've stipulated any additional conditions to the building. Looking at setting up the infrastructure, so organizing builders and things like that to to make sure that everything's in line with it. And then it sort of starts going down the the subdivision route, and we're looking around about, you know, another five to six months to go through the, you know, the preparation of the land, the lodging of the registration of the title. We're looking at the sorry.","start_word":2890,"end_word":3366,"sentiment":"neutral","sentiment_score":0.06295381999521885},{"text":"My throat is still happening.","start_word":3367,"end_word":3371,"sentiment":"negative","sentiment_score":-0.7053154706954956},{"text":"We're just looking at, you know, all the different factors there and then the building of the properties as well, so making sure that everything sort of stays on track with that. Most of them take anywhere from eighteen months to just over two years. I have seen some take a little bit longer.","start_word":3372,"end_word":3425,"sentiment":"neutral","sentiment_score":-0.08057455718517303},{"text":"Subdivision is a good idea if it's something you wanna do.","start_word":3426,"end_word":3436,"sentiment":"positive","sentiment_score":0.4660062789916992},{"text":"It does keep in line with the budget, and one of the things that allows you to, a, utilize negative gearing, but also the 50% CGT or lets you choose between the 50% CGT or the indexation method is essentially where a duplex is constructed so you're knocked down and rebuild. So you have to be willing to knock down your current property and rebuild two properties because you have to add to the housing market. So one of the non eligible conditions under the budget is that you can't put on a granny flat or another house in your backyard. You have to physically complete a full knockdown and a rebuild of that property. So you might need to look at buying something as your main primary residence beforehand and then going to the process of the subdivision as well, which depending on sort of what you're after, can put a bit more of a strain on the budget. You are sort of outlying. I know with most building loans, you pay they don't sort of rec need you to pay anything a lot back in the in the early end. Everything's sort of done in stages. So you would be paying normally. Could depend on the loan you get, but it's normally interest only until the handover of the property and the property is completed, and then you start paying PNI if that's the way the loan is set up. Often, repayments can be a little bit easier, and drawdowns happen as soon as, like, one section is approved by, you know, the builder. Once the builder is completed, he gets it reviewed and checked. And once that's being checked and it's approved, then the next stage happens, and the banks require certificates at each stage to allow different drawdowns for you. So that is definitely one way of doing it. Another way is obviously looking at home and land packages. So I know they are a lot smaller. They're a lot different. I'm not sure what they're like in your area, but you could also look at maybe buying a home and land package or two or something. If you're looking to sell your property, maybe buy, you know, a new house or something for yourselves to live in, and maybe if you still want an investment property purchasing, like, a home and land package somewhere. That way, you are still buying a brand new house.","start_word":3437,"end_word":3845,"sentiment":"neutral","sentiment_score":-0.012225562870538904},{"text":"It's still giving you eligibility for that negative gearing, and that's probably one of the big things. It's the negative gearing.","start_word":3846,"end_word":3866,"sentiment":"negative","sentiment_score":-0.3973653316497803},{"text":"That's the way the the rental property goes for you, helps you to save on the amount of income tax you are paying, can provide a greater tax deduction each year. And that's one of the main reasons investors have property is to take advantage of those tax deductions to put as much money they can to the into the investment property and sort of save on their income tax, especially when you are a high income tax payer. But like yourself, you're on a very Yeah. high income. So I'm but on in the order top I'm to on the top track at the moment. I'm pretty sure. Well, no. I've got myself back down a little bit by getting the car on there. That helps. But Yeah. Yeah. That one ninety is that cut off at the moment. yeah. It's Yeah. But yeah. I mean, the subdivision's not Yeah. a bad Sorry. idea. It's more just about how much time you have to put into that. Generally speaking, the average cost of this is about a 150,000. That's not including rebuilding another another property on the land. So you'd need to make sure you've got that capital upfront. I would definitely speak to a mortgage broker and look at maybe what your borrowing capacity looks like, and maybe have a chat with some real estate agents and see in the area and find out if you were to sell the property, what would they get for it, how quick are they selling properties, and is this a, you know, a good idea for the area at the moment, you know, with your with your houses and if it's in a good family area close to schools and parks and things like that, it might be really quick to sell off. So properties are still selling. I know housing market has sort of decreased in a lot of areas, but real estate agents are still selling properties. People still wanna get into the market. So it could still be a good time to assess that, but it just comes down to the time capacity you have to do this to liaise with the conveyances, with the builders, with the land and titles office, and with your local council to make sure all the plans go through. There's often quite a lot of back and forth as well. I have seen a few where it's taken longer than the eighteen months to two year mark because it's got a lot of back and forth with the plans.","start_word":3867,"end_word":4293,"sentiment":"neutral","sentiment_score":-0.049018420331372034},{"text":"There's had to be changes made to it or councils decided that something's gonna happen with that that area, and they've decided the subdivision is not gonna be viable and not gonna go through.","start_word":4294,"end_word":4327,"sentiment":"negative","sentiment_score":-0.4923898875713349},{"text":"So it just sort of comes down. There's a lot of factors that can go into it, but it's not at all a bad idea for something you wanna do. It might just mean you'd have to maybe buy something to live in as your main primary residence first. That No. way, you've got you've got that capacity to go through the subdivision and knock down the house and then build those two properties. That way, you are still meeting those conditions under the new legislation if it goes through. Yeah. That's now look. I I think She said you'd have to know family staff. Is that okay? To avoid the taxing fees. Yeah. So so even even if the block was split in two, does Yeah. does that still Mhmm. require this one to be knocked down? Because it's not It does. Yeah. Yeah. So Because under the it under the eligibility for the new build, they've given four conditions. The first one is a newly constructed apartment bought off the plan, a duplex a duplex constructed through a knockdown and rebuild, replacing a single freestanding house, which is where the subdivision side of things comes into. Or if you don't decide to subdivide and you wanna keep it as one titled property and you can just then look to maybe knock down the house and build through, you know, duplexes whether it be attached without the subdivision side of things, but it still has to go through council approval to be able to look at that. The other two conditions under the new legislation, if approved, is any residential construction on a previously vacant land so you could buy land somewhere else and maybe build on it that way as well. Yep. Oh, the last condition is a newly built property which is occupied for less than twelve months before being first sold. So if someone else has maybe built a house or, you know, build a house in the short term and they've only owned it for less than twelve months and then then they sell it on to you, then that still meets that condition of a new build as well. Under the section where it's not eligible for a new build, they've got an established property that has recently been extended to add additional bedrooms, a freestanding house constructed through a knockdown and rebuild replacing an older, smaller freestanding house.","start_word":4328,"end_word":4732,"sentiment":"neutral","sentiment_score":0.003060747742836858},{"text":"So if you were to knock down your house and rebuild it basically and add some extra rooms, it doesn't quite qualify.","start_word":4733,"end_word":4754,"sentiment":"negative","sentiment_score":-0.4516224265098572},{"text":"Yep. A granny flat built adjacent to an established property that is not eligible for negative gearing, so they don't let us build a granny flat in the backyard and rent that out, unfortunately. Yeah. And So then different patients on that in Brisbane anyhow. A lot of people didn't follow the rules, but yeah. yeah. And then the last one there is a newly built property, which has been occupied for more than twelve months.","start_word":4755,"end_word":4830,"sentiment":"neutral","sentiment_score":-0.18050648272037503},{"text":"Doesn't meet that criteria either, unfortunately.","start_word":4831,"end_word":4836,"sentiment":"negative","sentiment_score":-0.37945500016212463},{"text":"Okay. So the Yeah. so because do many people split the land and then just sell off the second bit of land rather than building? Does that ever work out profitable Yeah. or not really? Yeah. It can do. The biggest thing I tend to find, though, is you make more when you've gone through the process of building something. So selling vacant land tends to be a little bit harder because then people have to go through the zoning and the planning process to build a property. No. So if you were to, you know, subdivide, build two properties, and sell one off, you're probably gonna make a little bit more money in your area doing it that way.","start_word":4837,"end_word":4956,"sentiment":"neutral","sentiment_score":-0.02851204574108124},{"text":"People tend to like to be able to move into a house pre done than starting from scratch, especially, you know, in built up areas like the Gold Coast and Brisbane.","start_word":4957,"end_word":4987,"sentiment":"positive","sentiment_score":0.3968019187450409},{"text":"It just seems to be a lot easier, and building can take a bit of time. I know there was a couple of years ago quite a backlog in building, so I'm not sure what the construction industry looks like in your area at the moment, but so long as they don't have a huge backlog, it could definitely make things a little bit easier. The other side of it is if you're not too worried about the negative gearing side of things, you could always just buy this investment property to start with, look at building that up. With the changes that are proposed, you won't be able to use the negative gearing. So you won't be able to claim the tax deduction for the difference between your rental income and the cost you outlay for that, but that difference will be continuous. It's essentially looking at, like, being a loss, and they will essentially keep that loss carry forward until you sell the property. And even when you sell the property, whilst they will have it, if this goes through, that it will have to use the indexation method, that loss will be carried forward continuously.","start_word":4988,"end_word":5185,"sentiment":"neutral","sentiment_score":0.07488579951189082},{"text":"So you can offset that against the gain that is made when you sell the property. So that could provide a bit of a, yeah, a little bit less of a capital gain down the track.","start_word":5186,"end_word":5221,"sentiment":"positive","sentiment_score":0.4643510580062866},{"text":"It just kinda comes down to is if this is implemented with no changes, what changes come into play. The other side of this is they may go through this because it's a bill at the moment. It's then gonna go to the lower and the upper house. It may get to these houses, and it doesn't go through as it is. They may have to make changes to this. So it could even be worthwhile if you guys just hold off. I know it's, you know, a little bit down the track, but if we just hold off for a few months and see what what's going through with the legislation, what it looks like it's gonna turn into, that way we're not sort of jumping into something and going, hey. Let's start this now. Then changes come to the bill, and it does and it affects you a little bit too much. So there's Yeah.","start_word":5222,"end_word":5378,"sentiment":"neutral","sentiment_score":-0.17455555498600006},{"text":"also that risk that there are changes that could happen to this bill as it goes to the lower and the upper house in order for it to go through as well.","start_word":5379,"end_word":5410,"sentiment":"negative","sentiment_score":-0.37486404180526733},{"text":"Yeah. Because, I mean, I think the originally, the reason we started thinking this way was what if we what if we bought close to the school, but we wanted to we were trying to figure out a way that maybe we can still hold on to the current property because we like the area that it's Yeah. in to come back to once the kids are out of school or or things like Yeah. that and bring were there ways to offset that where it wouldn't stretch us too much. And I think that's where we're going, oh, well, could we could we split this one into two and we keep it because we like the location and either sell off or rent Yeah. off or rent rent out this one that we're in right now and sell off the other one or yeah. Trying to think of where where we can do it where, like, we don't have the 150,000 sitting around. I mean, we've got yeah. What do we got? Probably fluctuates between 5 to 10 depending on what's Yeah. what's going on with Yeah. the pit. But Yeah. Absolutely. It's a lot yeah. of money to sorta have start off with. I mean, you could borrow for that, but it would then sort of lock you into doing something and following through.","start_word":5411,"end_word":5636,"sentiment":"neutral","sentiment_score":0.07588406680234239},{"text":"The bill biggest risk we have at the moment is with this legislation just coming out last week with the budget. It's just that it's just the bill at the moment, so we have to wait for it to start going through to sort of see what's gonna happen, Yes.","start_word":5637,"end_word":5686,"sentiment":"negative","sentiment_score":-0.4340101480484009},{"text":"whether changes are gonna be made, whether it's even gonna go through. Because the other side is if this doesn't go through and there's no changes to the negative gearing, then you could essentially keep the property you have, buy yourselves a new property, rent that out, and still take advantage of that negative gearing side of things and just buy something for yourself, which could be a much more cost effective way for yourself. Essentially, with the property you're in at the moment, if you were to buy something else as your main primary residence, you start renting that one out. The loan you have on that property immediately starts to become a an investment loan for yourself. You don't have to restructure the loan if you don't want to.","start_word":5687,"end_word":5817,"sentiment":"neutral","sentiment_score":0.04353459253338457},{"text":"So there is that advantage, and it might be more cost effective as well.","start_word":5818,"end_word":5831,"sentiment":"positive","sentiment_score":0.36950933933258057},{"text":"But, yeah, the biggest risk we have at the moment is that there's just too many unknowns with this bill with what's gonna happen, and jumping into things now could mean that we, you know, have a bill that goes through with changes, which meant that, you know, depending on what you go with, it might not qualify. We might have to make changes to it. You know, this could maybe not even go through.","start_word":5832,"end_word":5906,"sentiment":"negative","sentiment_score":-0.5257871747016907},{"text":"It really just depends. It looks like at the moment they could have enough it looks at the moment the lower house has enough support for it, but there's it could go either way when it gets to the upper house.","start_word":5907,"end_word":5947,"sentiment":"neutral","sentiment_score":-0.23537273705005649},{"text":"So we just do not know what's gonna happen with this at the moment, and this is probably the biggest thing that sort of affects what you can and can't do.","start_word":5948,"end_word":5978,"sentiment":"negative","sentiment_score":-0.5247228741645813},{"text":"The other option is if you do decide, you can just look at, you know, keeping the house you're in now, making it into a rental or an investment property, and positively gearing it.","start_word":5979,"end_word":6012,"sentiment":"neutral","sentiment_score":0.21153157949447632},{"text":"The only then risk factor is you are increasing your income tax because you're increasing the the income that's coming in, and that could mean you pay more income tax, which is probably not preferable for you guys.","start_word":6013,"end_word":6050,"sentiment":"negative","sentiment_score":-0.3597174286842346},{"text":"Yeah. Is there is there ways to it's tricky with that budget that came out. Right? Because we don't I just Mhmm. don't don't know whether it'll pass or not. It's it's raising Correct. a lot of raising Yeah.","start_word":6051,"end_word":6089,"sentiment":"neutral","sentiment_score":-0.14790858328342438},{"text":"a lot of ire all over the place.","start_word":6090,"end_word":6097,"sentiment":"negative","sentiment_score":-0.36022070050239563},{"text":"Plenty of people are commentating on it. But Yes. so even if we bought a new place and change this one into an investment, in theory, that would still be hit by the new legislation coming Mhmm. out. Right? Or if It it does would yeah. Because yeah. in order for it to be exempt from the new changes, if they go through, you need to have owned the investment property prior to the 05/12/2026 at 7PM when the budget was released. So anyone who currently owns the property is absolutely fine.","start_word":6098,"end_word":6189,"sentiment":"neutral","sentiment_score":-0.01447295118123293},{"text":"They'll be able to grandfather their negative gearing, and it doesn't have an end date at this point in time.","start_word":6190,"end_word":6209,"sentiment":"negative","sentiment_score":-0.34407106041908264},{"text":"There could be changes. They could have an end date. But anyone who buys a property now, between now and, say, the July 1, whilst right now with this bill not being through, not being legislated, you can make it here in the in this financial year and next financial year up until the 07/01/2027 depending on whether the bill goes through.","start_word":6210,"end_word":6271,"sentiment":"neutral","sentiment_score":-0.1270374059677124},{"text":"But then it means if this bill goes through as of the 07/01/2027, that will stop, which means that people will either need to increase rent to cover it or they'll be essentially negatively gearing a property and carrying forward losses until they sell that property. And then they'll have to, you know, hopefully, not pay as much tax. But it just it it's such an unknown.","start_word":6272,"end_word":6338,"sentiment":"negative","sentiment_score":-0.43134334683418274},{"text":"And with It's a the really good record to track how much loss you've got each year. yeah. Yeah. And with with well, the ATO will track it. Like, well, you sort of still have to put everything into your tax return to show how much you're spending, how much you're making, what's happening. It just means that the gains will be carried forward, and there'll be a record of that. Because whenever we sell a property, you still have to declare that to the ACO. It just depends on when we declare that, we either either stated the main residence for an exemption or it was, you know, purchased at a certain point in time or we add in a few additional optional extras to kind of show how much we have to pay. And the ATO kinda work it out, but there's a few things that we do when we do sell properties. But, yeah, it all comes down to is this legislation going to go through, and how does it go through? Are there any changes?","start_word":6339,"end_word":6517,"sentiment":"neutral","sentiment_score":-0.022911105304956436},{"text":"And that is the biggest risk at the moment is what happens with this legislation and how is it going to affect people.","start_word":6518,"end_word":6540,"sentiment":"negative","sentiment_score":-0.6861884593963623},{"text":"So I'd be more inclined to suggest maybe just to hold off for the time being, keep saving money for the moment, and let's just see how the next sort of six to twelve months go with this legislation. What does it look like? And when you get close to understanding what the legislation's gonna look like as it goes through if it goes through, then it'll give you more certainty around what you can and can't do with investments and how to make that work for you. Does that make Yeah. No. That makes sense. Just sense? just out Yeah. of interest, Yeah. assuming it does go through, Yep. what sort of what's I'm assuming you guys have been doing thinking about what vehicles might be best for, a, reducing Mhmm. taxable income for high income tax owners and and sort of creating those other investment streams outside of properties, seeing negative gearing has Yep. been popular for so long. What's the It has been. what's the what's the thinking? I'm sure you guys would be busy trying to think up what what happens and because you'd have to Yeah. be pivoting a lot of people. Right? So Yeah. It what is really tough because normally, it sort of go towards trust, family trust, Yeah. and things And I've hit like the that. truck as However, well. Yeah. the the family trust is also supposed to get hit. So at the moment, family trust, when you have one, in income goes or the whatever's owned by the family trust makes the income, and then the income just gets distributed to the beneficiaries. And you can work the trust so you distribute income to lower, you know, to lower like, if you between yourself and Yep. Camille, if Camille's on less money than you, you could put more income to her at a lower tax rate than yourself, and you can distribute that those funds to income in a much more conservative way. However, with the new changes, trust are gonna have to pay income income tax at about 30%, and then it gets distributed out. If it gets distributed to an individual, then the income distributed to the individual gets added to their taxable income. They do Yep. get a bit of an offset. Or if they're on a higher tax rate, they might have to pay the difference between the 30% and their marginal tax rate. But if they're under that if they're under that sort of 30% tax rate, then they should be able to get a bit of a break or a bit of an offset for it. But if it's a company, then the inside the trust, they pay that 30%, and then the income is distributed to the company, and the company still has to pay their tax rate at 30% as well. So it does work out a lot harder. The other side of opening up a trust is that you don't wanna buy a property and then open a trust. Realistically, it's best to open a trust and then buy property because if you buy property in your own name, then open a trust, you're changing the ownership structure, which means you've gotta look at capital gains for yourself for transferring the property in. You've also gotta consider stamp duty and things like that. It's basically the trust ends up buying the property from you, and it can have tax consequence effects there as well. So there are definitely structures that we can use, the structures we like using as advisers, but right now, unfortunately, the the the new bills are kind of hitting the tax side for all of those structures except Yes. the company at the moment. So the other thing is a lot of property investors I've met in the past have set up companies, and they've bought properties under a company, but then you've also got a note that's another income stream, another business that you're an employee of. So there are tax consequences around that side of things. So we just have to at the moment, as an adviser, we're just watching this very closely to see what it might look like and how it's gonna affect, to see where which way we go for different clients depending on their goals.","start_word":6541,"end_word":7264,"sentiment":"neutral","sentiment_score":-0.0564248762736663},{"text":"It's a very fun time. I tell you what.","start_word":7265,"end_word":7273,"sentiment":"positive","sentiment_score":0.5811526775360107},{"text":"Yeah. I'd imagine they're keeping you on your toes at the moment.","start_word":7274,"end_word":7285,"sentiment":"neutral","sentiment_score":0.24549780786037445},{"text":"It's Absolutely.","start_word":7286,"end_word":7287,"sentiment":"positive","sentiment_score":0.4582365453243256},{"text":"it's specifically it's typically targeted to hit hit these areas where people have made money, right, at the end of the day.","start_word":7288,"end_word":7309,"sentiment":"neutral","sentiment_score":0.2795472741127014},{"text":"And it's Absolutely. Absolutely.","start_word":7310,"end_word":7313,"sentiment":"positive","sentiment_score":0.4669473171234131},{"text":"And, I mean, look at they could there's a chance that none of this may go through. There's a chance that it might not go through at all, but there's also the risk that it will go through exactly as it is.","start_word":7314,"end_word":7355,"sentiment":"negative","sentiment_score":-0.4351026117801666},{"text":"And anyone who's jumping on board or hasn't already got an an investment property won't be able to negatively gear once we kinda get to that point if this all goes through.","start_word":7356,"end_word":7387,"sentiment":"neutral","sentiment_score":-0.26522135734558105},{"text":"So there's just a lot of uncertainty in the air, which has all been created in the last couple of days, and it's all just about watching and waiting to see what happens.","start_word":7388,"end_word":7420,"sentiment":"negative","sentiment_score":-0.5048485398292542},{"text":"I've got another client who I suggested just hold off. Just wait. Let's just save your pennies, put some more money into your offset account.","start_word":7421,"end_word":7445,"sentiment":"neutral","sentiment_score":-0.10061802715063096},{"text":"Let's just sit there for the moment because if we make a move now, it could be the wrong move, and we don't wanna do anything rash just because of the legislation that could go through.","start_word":7446,"end_word":7481,"sentiment":"negative","sentiment_score":-0.42816102504730225},{"text":"Sometimes it's best to just to hold off and wait. We could be lucky. We could find out if this goes through.","start_word":7482,"end_word":7503,"sentiment":"neutral","sentiment_score":-0.19432540237903595},{"text":"It could entice property prices to to drop a little bit. There could be a mass sell off, which could, you know, increase the amount of property in the market, and we could see property prices decrease a little bit as well.","start_word":7504,"end_word":7545,"sentiment":"negative","sentiment_score":-0.42690449953079224},{"text":"So there's a few different things that could come from this depending on how it goes, but I'm just sort of glued to watching every move they make with all these to see what what is possibly gonna come out of it because there's just so much uncertainty currently. Yeah. Okay. Yeah. Yeah. So unless unless we're able to find so essentially I I just I'm just just thinking. So if Yeah. if it I get it that if the bill comes into play, then we gotta assess. And then if the bill comes into play, then it would be financially, our best thing would be to knock down and build two properties or something like that or rent and then take losses. But if the bill what I'm just curious. If the bill doesn't come through, what would be what would be the smartest financial move for us if we wanna, like if things Yep. don't just If out of the bill here. doesn't you're right. If the bill doesn't go through, your goal essentially is looking at getting a bigger family home for yourself. So if the bill doesn't go through and, realistically, what you could do, the easiest and cheapest option would be to buy a property, your next family home, keep as your main residence because you're likely gonna have a higher loan on that property, and the loan on your main primary residence is nontax deductible. And then the loan you have on the property you currently have becomes tax deductible, keep that property, and rent it out, and hopefully try to negatively give that a little bit so that, you know, you get those tax breaks there.","start_word":7546,"end_word":7828,"sentiment":"neutral","sentiment_score":-0.10299771529204432},{"text":"That would be the most cost effective way to meet that goal. It gives you a new family home, hopefully, something that's bigger that suits you guys a bit more closer to the area that you wanna be in, and then you can still keep that property you have at the moment that that you really enjoy and just, you know, know, rent it out for a bit of time until you know?","start_word":7829,"end_word":7901,"sentiment":"positive","sentiment_score":0.48312509059906006},{"text":"So so much time you decide you don't wanna subdivide or you wanna sell it off or depending on what your goals are down the track. But if this bill doesn't go through, that's generally the easiest option and the cheapest option and the fastest option to go through. What's the most financially smart option for, like, financially in the future sort of Yeah. thing? Or That that one would be. Subdividing in the future would be fine. It's just the the long term cost of it. You just gotta make sure that the cost is going to work to work for you. I could, down the track, if you like, provide a bit more advice around whether it's viable, but we'd need to understand a bit more around the cost of the conveyances, how much it's gonna cost to have all the conveyances and the mortgage brokers and the the cost of building and things like that. If I can get a breakdown of all those costs individually, we can have a look at that as opposed to what you current yeah. You currently have with the house and maybe renting that out and see which option's viable. But, realistically, just look at your goal at the moment. It's keeping the property, renting it out.","start_word":7902,"end_word":8117,"sentiment":"neutral","sentiment_score":0.10854932155322146},{"text":"That gives you income faster.","start_word":8118,"end_word":8122,"sentiment":"positive","sentiment_score":0.4054759442806244},{"text":"It's less likely to be, you know, empty for a certain period of time by your Yep. other property. The loan you currently have, you can take some equity, sorry, out of your current property to help you buy another property so you can have, you know, your forever home or the next time that you guys are after in a better location, a bit bigger, in more in a more of a place that you're comfortable being.","start_word":8123,"end_word":8200,"sentiment":"neutral","sentiment_score":0.26528486609458923},{"text":"You can keep the the property you do have here that you do like as well.","start_word":8201,"end_word":8216,"sentiment":"positive","sentiment_score":0.5555509924888611},{"text":"Rent that out. You get them to then negatively gear that property as well as have your sort of forever home over there, and it tends to be a lot more cost effective to do that. It's also a lot quicker our process can be done in only, you know, one to two to three months as opposed to, you know, twelve to two years depending on how long it takes to go through the whole subdivision side of things, if that makes sense. It'll all just be dependent on what what banks will take Yeah. for serviceability and betting that you're not gonna be empty tenants Yeah. and all the rest. Right? That's where the risk comes in the benefit.","start_word":8217,"end_word":8337,"sentiment":"neutral","sentiment_score":0.1731933206319809},{"text":"Absolutely. Yeah. Definitely.","start_word":8338,"end_word":8340,"sentiment":"positive","sentiment_score":0.40469664335250854},{"text":"So with serviceability wise, with the income, I would just sort of, you know, have a chat to a mortgage broker to find out what, you know, what they're sort of after. You can even have a chat to a mortgage broker now just in, you know, running up to it. We can refer you to one if you like just to sort of have a look at what your current serviceability would look like at the moment. And then sort of down the track, depending on what happens with this bill, you can kinda get a bit more of an idea of which way you're probably gonna need to go to make it work for you guys in the best possible way. And remind me, if we if we pull equity out of this place to go and buy another one, does that Yeah. that equity that I pull out then goes on to this loan normally, right, which Mhmm. would then click into Yeah. investment? Yeah. Correct. So, normally, depending on how you they structure the loan for you, you can have it structured three ways. So to give you an example, my property loan is structured to three things. I've got my main primary resident loan. I then got an equity loan, and then I've got my investment loan. Because my equity loan was my property, it was the deposit for my investment property. Those two are considered I I've got those loans solely for the purpose of income producing. So they are the sorry. Not the principal, but the amount I pay interest on the loan is tax deductible. So you can have a structured two separate ways so you separate the loans. They can also look to either cross securitize the properties so the property secure all the loans, or you can have you know, depending on how the the land to value ratio works, you can also have it set so it doesn't cross securitize. So your main primary residence is only security for that main primary loan, and then your investment property can be security for the other one. They normally have to cross securitize the equity because the equity comes out of the current property that you have. Yep. But that's often a small loan. You tend you can't usually use when they look at the equity loan to value ratio. They won't normally let you withdraw more than 80% of the equity to use as a deposit towards a new property. So they do tend to tell you how much you can limit on that, and then the rest becomes a loan. Yeah. That's right. So so Yeah. this place, for example, what the current mortgage is sitting at 700, but the Yep. the the rough value at the moment is what? 1.45. So Yeah. it's the 8080% difference of 1.45 take 700. Right? So Yeah. Yeah. so you'd be looking at It's about what's 80%? just What what's under 80% seven hundred. of 700? Yeah. I You're fine. don't My computer is a little mind. bit slow. It's a My bit late in the afternoon. mind If you're doing math off just the top of my head, I'll be froze honest with you. as well. 700. My brain just froze thinking about 80% it is 500 and as 60,000. well. Yeah. Yeah. So it still ends up being a a pretty hefty loan on the other side depending on how much things cost as well. Right? Yeah. Absolutely. Absolutely. So probably best bet at the moment would be to keep saving, scurrying things away. Or if if the commute does get too hard, it's probably better off just selling this place than buying somewhere new because otherwise, probably gonna be you won't necessarily be buying something bigger Yep. on the on the other side. Yeah. Yeah. Yeah. Definitely. Unless this all doesn't go through, there could be a whole another scenario as we kinda went through. But right now with with everything that's set up in the air and the uncertainty around what's gonna happen, realistically, yeah, if you look at maybe selling your property, which is a main residence, so there's no CGT consequences to selling your main primary residence, Yep. and then buying a new property. And you can even buy a new property prior to selling your main primary residence and having a bridging loan, and there's still no CGT consequences. So your main primary residence is fully fully exempt for CGT consequences, which is good. And then we maybe look down the track at other investments and see what we can do depending on what the, you know, what your goals are and what the legislation says we can do. Reason I say bigger doesn't mean bigger, like, looking at stuff. So context where we'd be looking the houses of similar value where we'd be wanting to move into. So, Yep. Yep. Yep. yeah, it's not what I was thinking. Yeah. Yeah. If you get if No. you get Perfect. an equity if you get an equity loan here Mhmm. I mean, equity loans still charge at your normal interest rate, right, depending Yeah. on the Correct. outcome. And then Yeah. Yeah. sorry. It's What structured as a bit of an investment. Investment loans can be a bit higher than main primary residence mortgages. So you'd But be going if you're gonna 700. That's in one point. If you have the 500 on, you're going another one. That's 1.2, and then you're probably looking all up. Yeah. You'd need to be almost another million be almost at 2,200,000. Yeah. The other side of the other side of it is if you look to sell your your main primary residence and buy another property, you don't have to do the equity side of things. You can just get you know, you can look at the equity and structure it with a bridging loan. And then when you sell your house off, the bridging loan is completely covered. The equity loan, because you're buying a new a new PPR, is just a a PPR rate, which is lower than investment because you have the intention to sell off the main primary residence. Yep. Yeah. But I've I've done that rough rough arithmetic right in my head. Right? So if we were to Yep. keep this place as a rental, use the equity to help deposit on the other side, and then what if we're saying this is worth just shy of 1.5 and the places over where we're looking at these similar? That would leave a million gap from the equity, which Yeah. you'd have Yeah. to add on as a loan as well. And Yeah. so it'd be 2.2 finance all up. Is Yeah. that Yeah. That sounds about am right. Yeah. I am I mathing that right? You are. Yeah.","start_word":8341,"end_word":9494,"sentiment":"neutral","sentiment_score":0.056793121990232856},{"text":"That's a scary number. You are.","start_word":9495,"end_word":9500,"sentiment":"negative","sentiment_score":-0.462064266204834},{"text":"Yeah. I know. It's a lot, isn't it? Because then it really makes it this is where negative gearing comes in to help. Right? Because That's exactly right. Yeah. Yeah. Because realistically, if you've got an investment property and it's making an income, that income that is your your personal income from your employer, and it increases the amount of tax you've gotta pay. So if your property is not getting if you've got an investment property that's not the income coming in is less than what you're paying out in, you know, the mortgage payments, the interest, the fees for, you know, having someone look after it, like an agent look after it, then the difference of that is what the negative gearing is. The difference of that is a loss. And at the moment, you can claim that loss against your personal ink, sorry, income. Sorry. My first did it so this afternoon. That's alright. But you can claim that loss against your personal income, which reduced your income tax. Yeah. Yes. That's the way it works at the moment. But with those changes, that loss won't be claimable against your income. It'll only be claimable against capital gains. So it will When just you continuously spell it. carry forward until you sell it. Yeah. Which doesn't really leave you any better off even on yeah. Doesn't No. Absolutely. doesn't really have Yeah. as much of a net net benefit as what it does right now. Alright? Okay. Absolutely. Yeah. And you're sort of hoping that when you sell that property, if you sell it, that you're gonna make a profit. Whereas, you know, there have been instances where people have bought properties in Melbourne or Sydney, and whilst the market's gone up over ten years, that property itself or the area hasn't gone up as much, and therefore, they haven't made as much of a gain. Yeah. Yeah. Yeah. There's a lot to think about. Okay. Yeah. I I mean, I'm I'm just glad this hasn't been wiped out completely with everything going on. I've been checking it every now and again. It's Yeah. No. Look.","start_word":9501,"end_word":9859,"sentiment":"neutral","sentiment_score":-0.05034203831531875},{"text":"it's Honestly, it sort has actually done really, of really well.","start_word":9860,"end_word":9870,"sentiment":"positive","sentiment_score":0.4107822775840759},{"text":"So bounced I've actually, as part down of this, and wanted back up. to yeah. Yeah. Just having a quick look because I did have, as part of the call, your annual review docs here as well for you to kinda give you an update on your super. And I'll send it I'll get to my team to send through the annual review docs shortly for you as well, which has your ongoing service agreement for the next twelve months there also. But when Yep.","start_word":9871,"end_word":9955,"sentiment":"neutral","sentiment_score":0.12033973634243011},{"text":"I have a really good look at it so you're super over the last twelve months. Everything generally has been performing quite well. All in all, Matthew, you're up by 11.19% net of fees. As earnings the earnings and growth in the portfolio, you've essentially made, $76,948.55. So your portfolio has done really well even through the market ups and downs there. Yep. Most of your portfolio performed quite nicely as part of the advice.","start_word":9956,"end_word":10030,"sentiment":"positive","sentiment_score":0.4589966833591461},{"text":"I've actually gone back and made a little bit of a dig to your portfolio. We are the Benelon Australian Equities in there hasn't been performing as much as good as we would want it to be, so we are looking to remove that and replace that with a cheaper investment option, but still keeping access and exposure to the Australian equities. So I Yep. will show you that as part of the advice document, but just making a bit of a switch on the investments there. Just making Is sure that there we're removing is there anything any that other has underperformed. Sorry. any You're other at place of the budget coming through that might need where the sleep is invested to be Not changed as well? Well, really. is there It's anything just is there any any accounts or funds there that are real estate that are dependent on anything that could be affected by the budget? Or No. So thankfully, Super was kinda left out of it all, but they also have got that division two nine six tax now. So if you're Super gets up over 3,000,000, there's additional taxes there. But if you're at risk of getting up over 3,000,000, I will make sure I notice that for you, and we'll do what we can to hide the funds That when that you was are the around that age of 60. that was the that was the original aim. Right? I think we were trying to get to by 60 to be at 4,000,000. Right? That was the that was the hopes and dreams The original when we started projection. that. Yeah. Yeah. Yeah. Yeah. And then, look, projections can change over time depending Yep. on what markets do. But, look, we're just trying to make sure we get you super to the best possible outcome. I'll keep looking at it. I'm part of this advice document. I've got a ten year projection for you to show you where we're heading over the next ten years because you are still quite young.","start_word":10031,"end_word":10377,"sentiment":"neutral","sentiment_score":0.00432465670989982},{"text":"I personally don't like to sort of project too far into the future at the moment.","start_word":10378,"end_word":10393,"sentiment":"negative","sentiment_score":-0.3511541783809662},{"text":"I think with the volatility, we should just stick to ten years and see how we go in that time frame and Yep. then make changes as we need to. But your super has done really well this year even with the ups and downs we saw. One of the biggest sort of down periods we saw was around about the March 28, which is when everyone sort of felt that really big dip.","start_word":10394,"end_word":10467,"sentiment":"neutral","sentiment_score":-0.008595186285674572},{"text":"But your sleep has definitely recovered back from that, and I'm really happy that the return is received. So that's really good.","start_word":10468,"end_word":10489,"sentiment":"positive","sentiment_score":0.6025624871253967},{"text":"Yeah. No. I I looked at that as well and I still made money, but even with the big chunk that Yeah. went down, it's good. I go Absolutely. and look at that and go, oh, I wish I wish I could wish I could go and throw that for other stuff now, but I'm like, I need to leave it there. It's like, I'll I'll be home when I retire. I'll just make Yeah. sure I live that long. Absolutely. Absolutely. No. All good. All good. Well, I'll get the advice updated. I know we've gone through a lot. And with regards to the investment property and the property side of things, there's a lot of unknowns, so it does make it very difficult to make a decision at the moment. But do you guys have any other questions? Have I answered those questions for you? Is there anything else you wanted me to look into or any other questions you might have? No. I think it's just yeah. The the budget sort of threw a spanner It in any of our thoughts, but the I think the big takeaway did. for me at the moment is I I was trying to I was trying to think of creative ways where we could get away with this without having Yeah. much capital built up behind us at the moment just because we don't have a huge chunk behind us. But Yeah. what what my takeaway is, and tell me if I'm understanding this right, is there's probably Yeah.","start_word":10490,"end_word":10748,"sentiment":"neutral","sentiment_score":-0.07700041586597914},{"text":"no silver bullet for that with lack of capital.","start_word":10749,"end_word":10757,"sentiment":"negative","sentiment_score":-0.4166920781135559},{"text":"So Yep. Yep. maybe maybe what we need to think about is how do we get that capital built up. And are there are there other are there other ways apart from trying to scrounge money together that we could use to build capital faster for other terms or other more short term investment vehicles that we can do to build that faster?","start_word":10758,"end_word":10820,"sentiment":"neutral","sentiment_score":-0.07994727045297623},{"text":"I mean, it's all gonna come with risk.","start_word":10821,"end_word":10828,"sentiment":"negative","sentiment_score":-0.33742186427116394},{"text":"Right? If it's short term, the only Yeah. problem. That's it. Yeah. So there are other ways where we could look at, you know, our investments outside of Super, but you are then risking money that could be on your mortgage. Realistically, the best way is to put as much as you can into your loan, sitting Yep. in an offset account so it's offsetting the loan that you have, and just trying to build it up slowly. I tend to, when it comes to cash on budgeting, say start with something small. Do $50 a week and then build it up as you get more comfortable doing so. Whenever you get a bonus or whenever you get, you know, your tax return back, put it straight into the offset account.","start_word":10829,"end_word":10959,"sentiment":"neutral","sentiment_score":-0.001419180305674672},{"text":"One of the biggest risks with doing that is people go, oh, I've got all this extra money sitting there.","start_word":10960,"end_word":10979,"sentiment":"negative","sentiment_score":-0.4327841103076935},{"text":"So we Yes. can have that extra holiday. We can go on to the movies an extra week or have an extra dinner out, and it's hard to kinda train your mind not to do that.","start_word":10980,"end_word":11015,"sentiment":"neutral","sentiment_score":0.24180088109440273},{"text":"If you have larger lump sums, putting it on the loan is a good thing because it really reduces the loan. But if you can train your brain to sort of not spend that money quickly, then putting it into the offset account is a really good idea because if you have, you know, a large expenditure, something to the kids that you have to pay for, the car breaks down, or you have to get a new car down the track, you can withdraw that money back.","start_word":11016,"end_word":11103,"sentiment":"positive","sentiment_score":0.4377322196960449},{"text":"But whilst it's sitting in the offset account, it is offsetting the interest that you are paying on the loan and does the same thing as sitting on the loan directly.","start_word":11104,"end_word":11134,"sentiment":"neutral","sentiment_score":0.07681747525930405},{"text":"So I always suggest start with something small, $50 a week or a fortnight, and get used to putting that in there, training our brain to, you know, follow that behavior, and then Yep. keep building it up as you feel comfortable doing so.","start_word":11135,"end_word":11178,"sentiment":"positive","sentiment_score":0.460953027009964},{"text":"Down the track, there's also things we can also look at, you know, investment bonds or building investment accounts outside of super, but then you're sort of looking at whether the investment is is likely to get the return that you're paying on your mortgage. At the moment, Yep. we are paying quite high mortgage repay repayment rates. And by sitting that money in your offset account or on your mortgage, it's essentially a guaranteed return. Whereas Yeah. putting money into investments, there's no guarantee on that return, and markets So at one the moment are very volatile. Sorry. You're one at thought I one thought I did have, and this is something I'm gonna probably investigate a little further. Yeah. At the moment, like, we've we've we've switched most of our everyday banking across to that up bank Yep. instead. So Yep. they're offering their home loans now for refinance and the rest. But one one option I'm seriously considering is actually pulling our home loan across to that where we have all of our savers set up for the or essentially a digital envelope system right at the end of the day. But Yes. all of that's supposed to then count as offset even it doesn't have to be in one account. It's just every Yep. if you have in every favor Yep. going that way.","start_word":11179,"end_word":11406,"sentiment":"neutral","sentiment_score":0.0544753298163414},{"text":"But have you have you heard anything that's not a good idea about doing that with us at all?","start_word":11407,"end_word":11425,"sentiment":"negative","sentiment_score":-0.4189154803752899},{"text":"Because it's No. probably No. the probably Yeah. the silver silver bullet piece that I can see right now around. That way you can have multiple savers for different things, but they all count as offsets at the same time. Yeah. Absolutely.","start_word":11426,"end_word":11467,"sentiment":"neutral","sentiment_score":-0.03596405312418938},{"text":"And having multiple offset accounts is a really good idea. So you can move money around as you need it, but it all still is offsetting the account for you. So that is a really good idea.","start_word":11468,"end_word":11504,"sentiment":"positive","sentiment_score":0.4844826459884643},{"text":"Up Bank, I've not heard anything bad about them.","start_word":11505,"end_word":11513,"sentiment":"neutral","sentiment_score":0.2514994144439697},{"text":"They're honestly really good.","start_word":11514,"end_word":11517,"sentiment":"positive","sentiment_score":0.618158221244812},{"text":"They're all covered by the government guarantee. So, you know, you do have that protection. It's 250,000 per person if the bank happens to go completely broke. Yeah. So Alright. you do have K. those Thanks, protections Bob. in place of Up Bank, and and the interest rates are really good because they don't have bricks and mortar, so you don't have a branch to go into. But if you don't really need one, getting better interest rates on your loans and your and your money sitting in those banks and having those multiple offset accounts could definitely provide greater benefit. Reality is the mortgages with ING anyhow. So they're Yeah. they're not bricks and mortar anyhow. So Absolutely. at least not not in Brisbane. So Yeah. Wow. yeah. So it's just a thought thought I've got at the moment, but that would probably Yeah. make the most sense to help build that capital sooner, Absolutely. I'd imagine. Yeah. Absolutely. I think with ING, do they let you have separate do they let you have several No. offset It's accounts? just just one off there, and they charge you fees for it.","start_word":11518,"end_word":11709,"sentiment":"neutral","sentiment_score":0.09611434489488602},{"text":"Oh, It's that's horrible.","start_word":11710,"end_word":11713,"sentiment":"negative","sentiment_score":-0.4451194405555725},{"text":"I mean, RNG used to be amazing a long Yeah. time ago when I first opened my account, but it's just yeah. Then Not they the got same. popular. That's right. And they got popular, Yeah. and they just started going the way everyone else did. I mean Yeah. yeah. But where I'm thinking about just shifting all of my banking to somewhere that can handle Yep. that because at least gives you a it should give some sort of edge there because at the moment, it's, yeah, not feeling like it any other way. So No. Definitely not. Yeah. gotcha. No.","start_word":11714,"end_word":11815,"sentiment":"neutral","sentiment_score":0.02192952228235263},{"text":"It's a definitely good idea. Definitely look into that. It's a really good idea. And, yeah, having multiple offset accounts is a fantastic idea.","start_word":11816,"end_word":11839,"sentiment":"positive","sentiment_score":0.4971984624862671},{"text":"I know I've got, you know, several offset accounts on my on my with my bank, but, you know, us has always been really good with interest rates. They are one of the biggest for those term deposits and high interest savings accounts. A lot of people are sort of moving towards them for that when they don't need that bricks and the bricks and mortar, don't wanna go into a branch. So absolutely look into that.","start_word":11840,"end_word":11916,"sentiment":"neutral","sentiment_score":0.17482517659664154},{"text":"That's a great idea.","start_word":11917,"end_word":11920,"sentiment":"positive","sentiment_score":0.6533296704292297},{"text":"Yeah. Okay. Alright. So we'll put the we'll put the property piece on hold and just try Yeah. to keep Yeah. building capital to do something outside of super Yep. at the moment. I mean Yep. so it's the challenge. Right? As as you keep saying, I'm I'm still quite young. Well, we're still quite young. Yep. And while while we're looking good for retirement, it's how do we how how do I get to the point where I feel like I'm actually making that that money that I am actually making? I Yeah. think that's Absolutely. that's the imposter syndrome that I have half the time. Absolutely. So Yeah. Look. yeah. If you ever wanted me to, I can send you a a budget planner as well. You're welcome to, you know, cash on budgeting advice. I can do up a you know, look at where your budget is, and do up a bit of a strategy paper showing you different ways to alter your budget to help you either put more onto your mortgage or put savings away somewhere for a certain goal. So you always have those for access as well, and there there are other things that I do look at for a lot of our clients as well. Yeah. Some something where we're sitting down to relook at it again. I think it's out of out of the woods with all the main stuff with our daughter and trying to get back Yeah. on top of everything that That's really yeah.","start_word":11921,"end_word":12176,"sentiment":"neutral","sentiment_score":0.0484970569559664},{"text":"good. Put everything else up.","start_word":12177,"end_word":12181,"sentiment":"positive","sentiment_score":0.4450692534446716},{"text":"But yeah. Now pulling out support for them all, and I think half the time Yeah. we're so exhausted that takeaway can look enticing and try to get ourselves out of that and Absolutely. that that properly because that's where I can see a lot of the money has gone. Yeah. So Yeah. then, of course, it's been down as you don't need all these subscriptions. You don't need this, and you don't need that. And Yeah. so it doesn't matter if little Johnny in school got it as well. No. But It's a different world our kids live in, isn't it? Definitely I different. really really seriously doubt about stripping all of them and just going, no. I need now you need to watch that. You can't even can't even do that because all the Frida Air got streaming. I know. I wanted It's crazy. to do it just to be patient. Back in the day, we had to sit there and sit wait for 06:00 to to Simpsons or, you know, wait for mom to send me to watching the news and to watch what we wanted to watch. If you missed it, that was it. That's it. Just pause That's anything? it. Oh, that's it. Those The are kids the days, just honestly. look at us blankly when they're like, what are you talking about? What's Oh, I know.","start_word":12182,"end_word":12413,"sentiment":"neutral","sentiment_score":-0.04171554744243622},{"text":"It's crazy. the fuck?","start_word":12414,"end_word":12417,"sentiment":"negative","sentiment_score":-0.3609665334224701},{"text":"That's At all good. Oh, goodness Okay. Cool. me. No. That that makes sense. Yeah. We're sort of back with That's where it's okay. asking. So I just sort Yeah. of trying to settle for anything that might have It really has. Yeah. might have been helped with the the low capital problem. Right? It's the end of the the Yeah. biggest Yeah. takeaway Yeah. And, realistically, when from we're you. on, you know, a higher income, we wanna be able to save as much tax as possible. You know, we can never make a recommendation solely to avoid paying tax. However, negative gearing is just the outcome of having investment property and, you know, investing for the future at the same time. Of having investment property and, you know, investing for the future at the same time. So there's nothing wrong with that.","start_word":12418,"end_word":12561,"sentiment":"neutral","sentiment_score":-0.04870304998217358},{"text":"It's all it's all good. It's all fine.","start_word":12562,"end_word":12569,"sentiment":"positive","sentiment_score":0.4752633571624756},{"text":"But, yeah, it's a shame that they're putting these changes in place because it does mean that, you know, a lot of moms and dads out there aren't gonna be able to access or hold property the way they we have in the past without buying new homes, Well, it almost and that almost could put makes pressure. it because it almost started to tick more boxes about because I mean, I guess the problem for me at the moment is I'm also an employee.","start_word":12570,"end_word":12654,"sentiment":"negative","sentiment_score":-0.520467221736908},{"text":"Right? So Yep. other structures to help with this before have been, as you said, trust or companies or what have you where Yeah. it can be set up different ways. But, I mean, while I'm an employee, I can't get paid that way. I'd have to be a contractor and handle other structures that way. But I don't Yeah. know. Maybe Yeah. It does maybe it does maybe depend there's on other whether thought you're because of stuff. yeah. It does depend on whether your employer will be willing to pay you. I mean, your trust would have to send to be the employee or finding Yeah. a way to be able to put the money in.","start_word":12655,"end_word":12772,"sentiment":"neutral","sentiment_score":-0.15392133593559265},{"text":"But if the legislation goes through the trust, it might not be worth having one of those because, you know, distributing income won't really make a difference if a trust is paying 30% tax and then distributing income out, and Yeah.","start_word":12773,"end_word":12813,"sentiment":"negative","sentiment_score":-0.35286805033683777},{"text":"then that could push up your you know, if you're on the highest marginal tax rate, the trust has paid income, distributes you income from the trust with what's left over, and then you because you're on more than 30%, have to pay additional tax on top of that.","start_word":12814,"end_word":12862,"sentiment":"neutral","sentiment_score":-0.3176201283931732},{"text":"So that could be more of a disadvantage down the track.","start_word":12863,"end_word":12873,"sentiment":"negative","sentiment_score":-0.5352651476860046},{"text":"Yeah.","start_word":12874,"end_word":12874,"sentiment":"neutral","sentiment_score":-0.3003818094730377},{"text":"Because it it went grayed up, like, doing some stuff.","start_word":12875,"end_word":12884,"sentiment":"negative","sentiment_score":-0.3611443042755127},{"text":"Yep. Yeah. Yeah. So it's just a matter of watching all these bits and pieces and see what goes through, what doesn't. But yeah. Feel free to let me know if you have more questions down the track. I'll keep watching everything to see what we can and can't do. And, hopefully hopefully, before July next year, we'll have a little bit more of an understanding of where this is gonna go so we can really look at what's gonna be, you know, prefer preferable to help you meet your goals, but also make it so you're not paying out a huge amount extra in tax, which is more of a disadvantage for you. Okay. Yeah. No Yeah. problem. Oh, good. I'm so sorry that the budget's put a bit of a spanner in the works. It's made it very hard to kind of give you guys an exact answer on what the best thing to do right now is. But, yeah, we'll keep watching it, and I'll make sure, you know, that we can keep having these conversations as things change. And, yeah, let me know if you do have questions.","start_word":12885,"end_word":13076,"sentiment":"neutral","sentiment_score":-0.05528935417532921},{"text":"I'm here to help you out.","start_word":13077,"end_word":13082,"sentiment":"positive","sentiment_score":0.4726552963256836},{"text":"So, yeah, if there's All anything all you need. good. Yeah. As as I said, I think I was looking for a unicorn anyhow because it needs a we need the capital saved up as well. It was just yeah. We're moving to a cheaper Yeah. area. Yeah. That's Need good. to win later. Need to win later. Yeah. I tried tried that a couple of times.","start_word":13083,"end_word":13149,"sentiment":"neutral","sentiment_score":0.0358828641474247},{"text":"I just didn't work. No. It doesn't for me.","start_word":13150,"end_word":13158,"sentiment":"negative","sentiment_score":-0.4199750423431397},{"text":"My husband plays it.","start_word":13159,"end_word":13162,"sentiment":"neutral","sentiment_score":-0.26026830077171326},{"text":"I don't I really don't, but he he enjoys doing it a little bit, and I think this is a bit of fun at the same time. I said, look, if I win, all my clients will be fine. All good. All good.","start_word":13163,"end_word":13205,"sentiment":"positive","sentiment_score":0.424217164516449},{"text":"That's it. It's well, it's getting more expensive, so just It figure is. out ways to work with it. So that's Yeah. Absolutely. No. All good. Well, what I'll do is after the call, I'll send out I'll get Michelle to send out the annual review pack.","start_word":13206,"end_word":13252,"sentiment":"neutral","sentiment_score":0.1254267692565918},{"text":"If you can just sign and return that back for me, that'd be fabulous.","start_word":13253,"end_word":13266,"sentiment":"positive","sentiment_score":0.4846912622451782},{"text":"I've got your advice document here. I'll just go back and do some tweaks and some updates, and then I've got you booked in for the June 1 at 03:30 to run through that together. You can have a look at what I've recommended, the advantages, disadvantages, the risks involved. I'll look at the recommendation based on your current goal, but then I'll also do just in the appendices the difference showing you if you just reduce those amounts under the mandated limits for, you know, financial underwriting to make sure we keep you under that limit, what that looks like for you as well so you can decide what you wanna do moving forward. Does that sound okay? Yep. Yep. Sounds good. Yep.","start_word":13267,"end_word":13390,"sentiment":"neutral","sentiment_score":0.13956871628761292},{"text":"Beautiful. All good.","start_word":13391,"end_word":13393,"sentiment":"positive","sentiment_score":0.47284984588623047},{"text":"If you finally have other questions, let me know.","start_word":13394,"end_word":13402,"sentiment":"neutral","sentiment_score":0.23736612498760223},{"text":"I'm always here happy to help, Matthew. And it's been lovely to chat to you, Camille. I hope you've had a good day.","start_word":13403,"end_word":13425,"sentiment":"positive","sentiment_score":0.5392363667488098},{"text":"Yes. I have.","start_word":13426,"end_word":13428,"sentiment":"neutral","sentiment_score":0.23394034802913663},{"text":"Thank you. That's okay. You you get to put your feet up and relax a little bit now.","start_word":13429,"end_word":13446,"sentiment":"positive","sentiment_score":0.4060440957546234},{"text":"Yeah.","start_word":13447,"end_word":13447,"sentiment":"neutral","sentiment_score":0.2692110240459442},{"text":"It's actually our thirteenth year wedding anniversary tonight, so we're gonna Congratulations.","start_word":13448,"end_word":13459,"sentiment":"positive","sentiment_score":0.34650275111198425},{"text":"go we're we're not gonna speaking of saving money really bad, we're gonna go out tonight for dinner. Oh, Because congratulations. the the kids said, oh, we'll have to go out and celebrate because it's your wedding anniversary. Yes. Like, we should teach them how to celebrate things like that. So Absolutely. he's gonna go find a gonna go find a pub Yep. that does typically free, hopefully.","start_word":13460,"end_word":13527,"sentiment":"neutral","sentiment_score":0.22039845059899724},{"text":"Oh, that'll be amazing. Congratulations. Seven years is incredible. That's fantastic. You enjoy that night. It's well deserved. All good. I'll let you both go. Happy anniversary. I'll talk to you very soon.","start_word":13528,"end_word":13560,"sentiment":"positive","sentiment_score":0.6942203044891357},{"text":"If there's anything else that comes up question wise, just let me know. Okay? Okay.","start_word":13561,"end_word":13575,"sentiment":"neutral","sentiment_score":0.13459962606430054},{"text":"Thank you. Thank you. Thanks, Matthew. Thanks, Camille. See you later.","start_word":13576,"end_word":13586,"sentiment":"positive","sentiment_score":0.5920734405517578},{"text":"Bye.","start_word":13587,"end_word":13587,"sentiment":"neutral","sentiment_score":0.26195505261421204}],"average":{"sentiment":"neutral","sentiment_score":0.01360918844872686}}}}