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So the the house and land package, that would essentially be an investment as well. Yeah. I mean, honestly, it's not in any way, shape, or form a bad idea because with, obviously, the new legislation coming into play in order for you to access negative gearing, which is something that you guys would obviously if the property isn't generating enough income to, you know, be neutrally or positively geared, you would benefit from from sort of a tax point of view. And being able to sell that one property does save you in CGT. So it's not in any way, shape, or form a bad idea. It does work for you as long as it works with your goals. So just making sure that that purchasing the house and land package is gonna work for you, that the area is suitable, and looking at sort of how long that would take to obviously be built, making sure that you could get the property built with no issues, and then sort of what rental income that would look like for you. But in all honesty, he's made a really good suggestion. Yeah. In theory, just general advice wise, to try and limit yeah. Get the best of selling the property. Selling the one that is that was your main primary residence does mean you are exempt for the CGT consequences, which is a good thing. It means that, you know, less tax to pay and say you end up with more in your back pocket after the sale. And then, yeah, in order to kind of take advantage of the tax with the new legislation, unfortunately, has just passed, in order for investors to take advantage of that to negatively get and or get access to the 50% CGT, we do have to focus on the new build side of things. So yeah. Yep. Yeah. Yes. Okay. Yep. Yes. Yeah. So, realistically, you when you think about negatively gearing and or positively gearing a property, you wanna look at your total cost. So is the money going to buy the the property outright, but then is the rent coming in gonna cover all your other expenditure? So thinking about, agencies, if you're gonna have a a property agent looking after it, what's the rent gonna look like coming in on a regular basis? Are you still gonna have a loan on that property in any form, and is, you know, the rent's gonna cover all of those expenses that you have to pay on a regular basis. If the rent coming in doesn't cover all of that, then the property will be negatively geared, and you'll still get those sorts of benefits. If the rent does cover all of your regular expenditure each year, that's when, the the property isn't sorry, neutrally or positively geared. So it's more less about just the property like, buying the property itself, more about all the expenses that you have to outlay on a regular basis to keep the property going and what you have coming in. Yeah. Yeah. So expenses are the interest on the loan that you do have for the property. Your agencies, are you having someone come and do the loans on a regular basis? So it's looking at the total that your expenditure out. So as an example, on my investment property, I have an agent who looks after the who looks after and collects the rent there for me. Therefore, I pay him a a fee for doing that. That comes out of the rent that I received from the property. I have the interest on my loan, my investment loan for the property. I also have, you know, someone who goes and mows the lawns once every sort of month or so just to keep the prop the lawns cut down. So all of those regular expenses plus rates plus insurances on the property as a landlord sometimes having insurances to cover your whatever you own in the property, the main building insurance and or contents that you hold in the property, like, say, your air conditioner or your oven and things like that, plus all of your, like, state costs. So thinking like, yeah, your regular fees that you pay on a yearly your rate, sorry, is the word I'm thinking of. So all of those sorts of expenses are all sort of pulled together at tax time, and that's all your total expenditure for the property. And then to work out whether property is negatively positive or neutrally geared, they look at the rent coming in, how much you're making from that property, and then does that cover the expenses. The other thing that Steve might look at is all of your properties. So if you've got like, because you guys have got a few properties. If all of your properties together might be neutrally geared, some might be negatively geared, some might be positively geared, it could offset itself. So looking at all the properties, the rent coming in, and all the expenses that you're outlying, and does that cover, you know, does the rent coming in from those properties cover everything you're technically outlaying for those properties, and that helps you to work out whether you're negatively or positively geared. And, you know, if you under yeah. And, honestly, that's something that Steve will be able to look at for you because, as an accountant, he'll be able to assess, you know, average market rates on, you know, rents coming in, things going out, and maybe look at all the properties that you do have as part of your tax return process, and just sort of seeing, you know, if you got, say, you know, 4 or $500 per week for this property and your loan was such and such, you were outlying this much. Does that make it negatively or positively geared? And that compared to your other properties, does it make you overall from all the properties negatively, positive, or naturally geared? And that's one thing to sort of look at. Yes. Mhmm. Only part of it. So, essentially, when with your investment loan, only the interest you pay on the loan is considered tax deductible. So your principal isn't, so it's only the interest. That's why a lot of investors have interest only loans. They pay the interest back, and then they yeah. The the principal when the interest only loan period finishes, normally, like, five or ten years, then you start paying the principal back because the interest on the loan is tax deductible, and that's essentially one of the expenses that you're paying. Mhmm. Yeah. No. So they all your expenses are everything that you have to outlay. One of the big things with property is that you're continuously paying all your bills on a regular basis. I know some properties like my property my kids live in. So, you know, they pay rent and everything, and I have those extra expenses, but I also cover their electricity bill for them, and they cover that as part of the rent. So, you know, you pay your rate, your interest on your loan every month because you still gotta make regular payments into the loan to cover to to be paying it down or covering the interest payments. Your rates, your insurances, if you're having someone come and do the lawns, if you then gotta have, you know, landlord's insurance or contents insurance or something on the property to cover, all of those are your expenditure, and then that's also including the interest on the loan. And those are the expenses that are also seen as tax deductible. Yeah. Yeah. Yeah. Yeah. Just get him to have a look at how all the properties are running at the moment. And maybe when you're looking at a property to build, get an estimate on how much rent you should be able to receive from that property once it is fully built, find out what the loan looks like, what the repayments look like, the drawdowns. Because it is a new build, you're generally looking at construction loans, so they have regular drawdown periods. And to get through each period, the property has to be assessed, evaluated. They have to prove to the bank that that that part of the construction has been completed before they get the next drawdown to start the next part of construction. Construction loans are quite fun and also to crazy. So finding out how the construction loan is gonna work, when it becomes interest and principal if you're gonna do it that way. Because normally, when you have a construction loan, they organize it to be interest only for the first part of construction. And then when you get the keys, it often becomes principal and interest. Looking at what the interest payments might look like, looking at the rent that you might be expected to pay, and just double finding out from, like, local agents if they were to look after the property for you. And you were getting a certain amount of rent, what would they charge you? What percentage would they charge you as a management fee just to kinda give you an idea of what the, outlay of expenditure would look like, and then you can kind of compare that with the other properties you have and then take into account the rent you've got coming in from all the properties and whether that makes your properties negative or positively geared. Does that make sense? Yes. Oh god. Oh, that's okay. Yeah. Yeah. No. That's really excellent. I'm so happy for you. Well, let us know if there's anything additional you need. It sounds like Steve's amazing. I'm so glad that that's working well for you. Oh, not a problem at all. Easy. Did you still wanna do a bit of a touch base in a few months or you know, in a few weeks or a few months to sort of look at additional advice for you guys, or are you happy just to see how things go with what's happening now at the moment? Or Yep. Yeah. Absolutely. Perfect. Did you want me to maybe make the catch up? I can get someone to touch base in maybe one, two, three months. What would be preferable for you with everything you've got going on at the moment? Three months? Perfect. Not a problem at all. I'll get my team to touch base in three months just to make a time that we can catch up, see how things are going for you, look at all your assets, what's been changing, look at your position, and then we can kinda go from there and see if there's any further advice to look at. Okay? That's okay. You have a great day. Thank you so much, Laura. See you later. 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afternoon. This is Dana. I'm good. Thank you. How are you, Laura?\n\nWhat can I help you with? You're right. Yes. Mhmm. Yep.\n\nYeah. Yep. Yeah. Yeah. Definitely.\n\nSo the the house and land package, that would essentially be an investment as well. Yeah. I mean, honestly, it's not in any way, shape, or form a bad idea because with, obviously, the new legislation coming into play in order for you to access negative gearing, which is something that you guys would obviously if the property isn't generating enough income to, you know, be neutrally or positively geared, you would benefit from from sort of a tax point of view. And being able to sell that one property does save you in CGT. So it's not in any way, shape, or form a bad idea.\n\nIt does work for you as long as it works with your goals. So just making sure that that purchasing the house and land package is gonna work for you, that the area is suitable, and looking at sort of how long that would take to obviously be built, making sure that you could get the property built with no issues, and then sort of what rental income that would look like for you. But in all honesty, he's made a really good suggestion. Yeah. In theory, just general advice wise, to try and limit yeah.\n\nGet the best of selling the property. Selling the one that is that was your main primary residence does mean you are exempt for the CGT consequences, which is a good thing. It means that, you know, less tax to pay and say you end up with more in your back pocket after the sale. And then, yeah, in order to kind of take advantage of the tax with the new legislation, unfortunately, has just passed, in order for investors to take advantage of that to negatively get and or get access to the 50% CGT, we do have to focus on the new build side of things. So yeah.\n\nYep. Yeah. Yes. Okay. Yep.\n\nYes. Yeah. So, realistically, you when you think about negatively gearing and or positively gearing a property, you wanna look at your total cost. So is the money going to buy the the property outright, but then is the rent coming in gonna cover all your other expenditure? So thinking about, agencies, if you're gonna have a a property agent looking after it, what's the rent gonna look like coming in on a regular basis?\n\nAre you still gonna have a loan on that property in any form, and is, you know, the rent's gonna cover all of those expenses that you have to pay on a regular basis. If the rent coming in doesn't cover all of that, then the property will be negatively geared, and you'll still get those sorts of benefits. If the rent does cover all of your regular expenditure each year, that's when, the the property isn't sorry, neutrally or positively geared. So it's more less about just the property like, buying the property itself, more about all the expenses that you have to outlay on a regular basis to keep the property going and what you have coming in. Yeah.\n\nYeah. So expenses are the interest on the loan that you do have for the property. Your agencies, are you having someone come and do the loans on a regular basis? So it's looking at the total that your expenditure out. So as an example, on my investment property, I have an agent who looks after the who looks after and collects the rent there for me.\n\nTherefore, I pay him a a fee for doing that. That comes out of the rent that I received from the property. I have the interest on my loan, my investment loan for the property. I also have, you know, someone who goes and mows the lawns once every sort of month or so just to keep the prop the lawns cut down. So all of those regular expenses plus rates plus insurances on the property as a landlord sometimes having insurances to cover your whatever you own in the property, the main building insurance and or contents that you hold in the property, like, say, your air conditioner or your oven and things like that, plus all of your, like, state costs.\n\nSo thinking like, yeah, your regular fees that you pay on a yearly your rate, sorry, is the word I'm thinking of. So all of those sorts of expenses are all sort of pulled together at tax time, and that's all your total expenditure for the property. And then to work out whether property is negatively positive or neutrally geared, they look at the rent coming in, how much you're making from that property, and then does that cover the expenses. The other thing that Steve might look at is all of your properties. So if you've got like, because you guys have got a few properties.\n\nIf all of your properties together might be neutrally geared, some might be negatively geared, some might be positively geared, it could offset itself. So looking at all the properties, the rent coming in, and all the expenses that you're outlying, and does that cover, you know, does the rent coming in from those properties cover everything you're technically outlaying for those properties, and that helps you to work out whether you're negatively or positively geared. And, you know, if you under yeah. And, honestly, that's something that Steve will be able to look at for you because, as an accountant, he'll be able to assess, you know, average market rates on, you know, rents coming in, things going out, and maybe look at all the properties that you do have as part of your tax return process, and just sort of seeing, you know, if you got, say, you know, 4 or $500 per week for this property and your loan was such and such, you were outlying this much. Does that make it negatively or positively geared?\n\nAnd that compared to your other properties, does it make you overall from all the properties negatively, positive, or naturally geared? And that's one thing to sort of look at. Yes. Mhmm. Only part of it.\n\nSo, essentially, when with your investment loan, only the interest you pay on the loan is considered tax deductible. So your principal isn't, so it's only the interest. That's why a lot of investors have interest only loans. They pay the interest back, and then they yeah. The the principal when the interest only loan period finishes, normally, like, five or ten years, then you start paying the principal back because the interest on the loan is tax deductible, and that's essentially one of the expenses that you're paying.\n\nMhmm. Yeah. No. So they all your expenses are everything that you have to outlay. One of the big things with property is that you're continuously paying all your bills on a regular basis.\n\nI know some properties like my property my kids live in. So, you know, they pay rent and everything, and I have those extra expenses, but I also cover their electricity bill for them, and they cover that as part of the rent. So, you know, you pay your rate, your interest on your loan every month because you still gotta make regular payments into the loan to cover to to be paying it down or covering the interest payments. Your rates, your insurances, if you're having someone come and do the lawns, if you then gotta have, you know, landlord's insurance or contents insurance or something on the property to cover, all of those are your expenditure, and then that's also including the interest on the loan. And those are the expenses that are also seen as tax deductible.\n\nYeah. Yeah. Yeah. Yeah. Just get him to have a look at how all the properties are running at the moment.\n\nAnd maybe when you're looking at a property to build, get an estimate on how much rent you should be able to receive from that property once it is fully built, find out what the loan looks like, what the repayments look like, the drawdowns. Because it is a new build, you're generally looking at construction loans, so they have regular drawdown periods. And to get through each period, the property has to be assessed, evaluated. They have to prove to the bank that that that part of the construction has been completed before they get the next drawdown to start the next part of construction. Construction loans are quite fun and also to crazy.\n\nSo finding out how the construction loan is gonna work, when it becomes interest and principal if you're gonna do it that way. Because normally, when you have a construction loan, they organize it to be interest only for the first part of construction. And then when you get the keys, it often becomes principal and interest. Looking at what the interest payments might look like, looking at the rent that you might be expected to pay, and just double finding out from, like, local agents if they were to look after the property for you. And you were getting a certain amount of rent, what would they charge you?\n\nWhat percentage would they charge you as a management fee just to kinda give you an idea of what the, outlay of expenditure would look like, and then you can kind of compare that with the other properties you have and then take into account the rent you've got coming in from all the properties and whether that makes your properties negative or positively geared. Does that make sense? Yes. Oh god. Oh, that's okay.\n\nYeah. Yeah. No. That's really excellent. I'm so happy for you.\n\nWell, let us know if there's anything additional you need. It sounds like Steve's amazing. I'm so glad that that's working well for you. Oh, not a problem at all. Easy.\n\nDid you still wanna do a bit of a touch base in a few months or you know, in a few weeks or a few months to sort of look at additional advice for you guys, or are you happy just to see how things go with what's happening now at the moment? Or Yep. Yeah. Absolutely. Perfect.\n\nDid you want me to maybe make the catch up? I can get someone to touch base in maybe one, two, three months. What would be preferable for you with everything you've got going on at the moment? Three months? Perfect.\n\nNot a problem at all. I'll get my team to touch base in three months just to make a time that we can catch up, see how things are going for you, look at all your assets, what's been changing, look at your position, and then we can kinda go from there and see if there's any further advice to look at. Okay? That's okay. You have a great day.\n\nThank you so much, Laura. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.1999999,"end":1.92,"sentiment":"neutral","sentiment_score":0.26815705746412277},{"text":"This is Dana.","start":1.92,"end":2.82,"sentiment":"neutral","sentiment_score":0.18230616052945456},{"text":"I'm good.","start":5.7599998,"end":6.24,"sentiment":"positive","sentiment_score":0.5447448194026947},{"text":"Thank you.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.6073066592216492},{"text":"How are you, Laura?","start":6.56,"end":7.62,"sentiment":"neutral","sentiment_score":0.23443476483225822}],"sentiment":"neutral","sentiment_score":0.3326980471611023,"num_words":13,"start":1.1999999,"end":7.62},{"sentences":[{"text":"What can I help you with?","start":9.599999,"end":10.98,"sentiment":"neutral","sentiment_score":0.148538488894701},{"text":"You're right.","start":19.455,"end":20.195,"sentiment":"neutral","sentiment_score":0.016517698764801025},{"text":"Yes.","start":34.27,"end":34.77,"sentiment":"neutral","sentiment_score":0.03209899365901947},{"text":"Mhmm.","start":35.07,"end":35.57,"sentiment":"neutral","sentiment_score":0.01995321735739708},{"text":"Yep.","start":44.284996,"end":44.784996,"sentiment":"neutral","sentiment_score":0.0650663897395134}],"sentiment":"neutral","sentiment_score":0.09467135742306709,"num_words":11,"start":9.599999,"end":44.784996},{"sentences":[{"text":"Yeah.","start":55.9,"end":56.4,"sentiment":"neutral","sentiment_score":0.07642240077257156},{"text":"Yep.","start":63.435,"end":63.935,"sentiment":"neutral","sentiment_score":-0.011547861620783806},{"text":"Yeah.","start":67.915,"end":68.415,"sentiment":"neutral","sentiment_score":0.06802336871623993},{"text":"Yeah.","start":68.475,"end":68.875,"sentiment":"neutral","sentiment_score":0.08828580379486084},{"text":"Definitely.","start":68.875,"end":69.375,"sentiment":"neutral","sentiment_score":0.14445993304252625}],"sentiment":"neutral","sentiment_score":0.07312872894108295,"num_words":5,"start":55.9,"end":69.375},{"sentences":[{"text":"So the the house and land package, that would essentially be an investment as well.","start":69.595,"end":74.495,"sentiment":"neutral","sentiment_score":0.18204487959543864},{"text":"Yeah.","start":76.090004,"end":76.590004,"sentiment":"neutral","sentiment_score":0.07334795594215393},{"text":"I mean, honestly, it's not in any way, shape, or form a bad idea because with, obviously, the new legislation coming into play in order for you to access negative gearing, which is something that you guys would obviously if the property isn't generating enough income to, you know, be neutrally or positively geared, you would benefit from from sort of a tax point of view.","start":76.73,"end":97.965004,"sentiment":"neutral","sentiment_score":-0.026056620828581577},{"text":"And being able to sell that one property does save you in CGT.","start":98.665,"end":102.205,"sentiment":"positive","sentiment_score":0.4522426976607396},{"text":"So it's not in any way, shape, or form a bad idea.","start":102.345,"end":104.925,"sentiment":"neutral","sentiment_score":0.2516562857975562}],"sentiment":"neutral","sentiment_score":0.09330200630231439,"num_words":107,"start":69.595,"end":104.925},{"sentences":[{"text":"It does work for you as long as it works with your goals.","start":105.42,"end":108.08,"sentiment":"positive","sentiment_score":0.5408026788097161},{"text":"So just making sure that that purchasing the house and land package is gonna work for you, that the area is suitable, and looking at sort of how long that would take to obviously be built, making sure that you could get the property built with no issues, and then sort of what rental income that would look like for you.","start":108.3,"end":127.024994,"sentiment":"neutral","sentiment_score":0.32417840840386564},{"text":"But in all honesty, he's made a really good suggestion.","start":127.024994,"end":130.485,"sentiment":"positive","sentiment_score":0.5661349892616272},{"text":"Yeah.","start":130.785,"end":131.185,"sentiment":"neutral","sentiment_score":0.22308902442455292},{"text":"In theory, just general advice wise, to try and limit yeah.","start":131.185,"end":135.42,"sentiment":"neutral","sentiment_score":0.23610800504684448}],"sentiment":"positive","sentiment_score":0.3675723407262315,"num_words":96,"start":105.42,"end":135.42},{"sentences":[{"text":"Get the best of selling the property.","start":135.42,"end":136.94,"sentiment":"positive","sentiment_score":0.4342117650168283},{"text":"Selling the one that is that was your main primary residence does mean you are exempt for the CGT consequences, which is a good thing.","start":136.94,"end":143.58,"sentiment":"positive","sentiment_score":0.46936260104179384},{"text":"It means that, you know, less tax to pay and say you end up with more in your back pocket after the sale.","start":143.58,"end":148.64,"sentiment":"positive","sentiment_score":0.5106692560341047},{"text":"And then, yeah, in order to kind of take advantage of the tax with the new legislation, unfortunately, has just passed, in order for investors to take advantage of that to negatively get and or get access to the 50% CGT, we do have to focus on the new build side of things.","start":149.14499,"end":166.37,"sentiment":"neutral","sentiment_score":-0.18027061223983765},{"text":"So yeah.","start":166.37,"end":167.19,"sentiment":"neutral","sentiment_score":0.022937355563044548}],"sentiment":"neutral","sentiment_score":0.1546406593851068,"num_words":110,"start":135.42,"end":167.19},{"sentences":[{"text":"Yep.","start":167.25,"end":167.75,"sentiment":"neutral","sentiment_score":0.07747030258178711},{"text":"Yeah.","start":169.49,"end":169.99,"sentiment":"neutral","sentiment_score":0.15149705111980438},{"text":"Yes.","start":172.69,"end":173.19,"sentiment":"neutral","sentiment_score":0.12382229417562483},{"text":"Okay.","start":178.145,"end":178.645,"sentiment":"neutral","sentiment_score":0.09839537739753725},{"text":"Yep.","start":187.2,"end":187.7,"sentiment":"neutral","sentiment_score":-0.050586163997650146}],"sentiment":"neutral","sentiment_score":0.08011977225542069,"num_words":5,"start":167.25,"end":187.7},{"sentences":[{"text":"Yes.","start":211.295,"end":211.795,"sentiment":"neutral","sentiment_score":-0.0006079934537410736},{"text":"Yeah.","start":212.39,"end":212.89,"sentiment":"neutral","sentiment_score":0.015502545982599258},{"text":"So, realistically, you when you think about negatively gearing and or positively gearing a property, you wanna look at your total cost.","start":212.95,"end":219.43001,"sentiment":"neutral","sentiment_score":0.0066444845870137215},{"text":"So is the money going to buy the the property outright, but then is the rent coming in gonna cover all your other expenditure?","start":219.43001,"end":227.705,"sentiment":"neutral","sentiment_score":0.03755144332535565},{"text":"So thinking about, agencies, if you're gonna have a a property agent looking after it, what's the rent gonna look like coming in on a regular basis?","start":227.925,"end":235.625,"sentiment":"neutral","sentiment_score":0.0026741966053291603}],"sentiment":"neutral","sentiment_score":0.015126815487941106,"num_words":75,"start":211.295,"end":235.625},{"sentences":[{"text":"Are you still gonna have a loan on that property in any form, and is, you know, the rent's gonna cover all of those expenses that you have to pay on a regular basis.","start":236.165,"end":243.95,"sentiment":"neutral","sentiment_score":-0.041999844012453276},{"text":"If the rent coming in doesn't cover all of that, then the property will be negatively geared, and you'll still get those sorts of benefits.","start":244.57,"end":252.11,"sentiment":"negative","sentiment_score":-0.35191678583621977},{"text":"If the rent does cover all of your regular expenditure each year, that's when, the the property isn't sorry, neutrally or positively geared.","start":253.13,"end":262.05502,"sentiment":"neutral","sentiment_score":0.22779726107483325},{"text":"So it's more less about just the property like, buying the property itself, more about all the expenses that you have to outlay on a regular basis to keep the property going and what you have coming in.","start":262.05502,"end":273.35,"sentiment":"neutral","sentiment_score":0.18606558697004066},{"text":"Yeah.","start":275.33,"end":275.83,"sentiment":"neutral","sentiment_score":0.08548979461193085}],"sentiment":"neutral","sentiment_score":0.017928964974096982,"num_words":121,"start":236.165,"end":275.83},{"sentences":[{"text":"Yeah.","start":284.145,"end":284.54498,"sentiment":"neutral","sentiment_score":0.07573265582323074},{"text":"So expenses are the interest on the loan that you do have for the property.","start":284.54498,"end":289.04498,"sentiment":"neutral","sentiment_score":0.12131515989700953},{"text":"Your agencies, are you having someone come and do the loans on a regular basis?","start":289.425,"end":294.085,"sentiment":"neutral","sentiment_score":0.07827867890397708},{"text":"So it's looking at the total that your expenditure out.","start":294.145,"end":296.94498,"sentiment":"neutral","sentiment_score":0.08039052747189998},{"text":"So as an example, on my investment property, I have an agent who looks after the who looks after and collects the rent there for me.","start":296.94498,"end":304.61,"sentiment":"neutral","sentiment_score":0.11654329787080105}],"sentiment":"neutral","sentiment_score":0.10303986951041577,"num_words":67,"start":284.145,"end":304.61},{"sentences":[{"text":"Therefore, I pay him a a fee for doing that.","start":304.61,"end":307.40997,"sentiment":"neutral","sentiment_score":0.1727156862616539},{"text":"That comes out of the rent that I received from the property.","start":307.40997,"end":310.22998,"sentiment":"neutral","sentiment_score":0.1683400198817253},{"text":"I have the interest on my loan, my investment loan for the property.","start":310.905,"end":314.685,"sentiment":"neutral","sentiment_score":0.3256851022060101},{"text":"I also have, you know, someone who goes and mows the lawns once every sort of month or so just to keep the prop the lawns cut down.","start":314.82498,"end":322.04498,"sentiment":"neutral","sentiment_score":0.18744800239801407},{"text":"So all of those regular expenses plus rates plus insurances on the property as a landlord sometimes having insurances to cover your whatever you own in the property, the main building insurance and or contents that you hold in the property, like, say, your air conditioner or your oven and things like that, plus all of your, like, state costs.","start":322.985,"end":344.065,"sentiment":"neutral","sentiment_score":0.00833182151739796}],"sentiment":"neutral","sentiment_score":0.11162273811433858,"num_words":123,"start":304.61,"end":344.065},{"sentences":[{"text":"So thinking like, yeah, your regular fees that you pay on a yearly your rate, sorry, is the word I'm thinking of.","start":344.205,"end":350.525,"sentiment":"neutral","sentiment_score":0.10779655098237774},{"text":"So all of those sorts of expenses are all sort of pulled together at tax time, and that's all your total expenditure for the property.","start":350.525,"end":357.6,"sentiment":"neutral","sentiment_score":0.07544702202081681},{"text":"And then to work out whether property is negatively positive or neutrally geared, they look at the rent coming in, how much you're making from that property, and then does that cover the expenses.","start":357.98,"end":367.52,"sentiment":"neutral","sentiment_score":0.004594370832338053},{"text":"The other thing that Steve might look at is all of your properties.","start":368.16498,"end":371.38498,"sentiment":"neutral","sentiment_score":0.10041646602062079},{"text":"So if you've got like, because you guys have got a few properties.","start":371.44498,"end":374.66498,"sentiment":"neutral","sentiment_score":0.08581729562809834}],"sentiment":"neutral","sentiment_score":0.06387801104547264,"num_words":107,"start":344.205,"end":374.66498},{"sentences":[{"text":"If all of your properties together might be neutrally geared, some might be negatively geared, some might be positively geared, it could offset itself.","start":375.44498,"end":383.52,"sentiment":"neutral","sentiment_score":0.010924001845220724},{"text":"So looking at all the properties, the rent coming in, and all the expenses that you're outlying, and does that cover, you know, does the rent coming in from those properties cover everything you're technically outlaying for those properties, and that helps you to work out whether you're negatively or positively geared.","start":383.97998,"end":401.055,"sentiment":"neutral","sentiment_score":0.12285102896678907},{"text":"And, you know, if you under yeah.","start":401.35498,"end":403.195,"sentiment":"neutral","sentiment_score":0.0737406558224133},{"text":"And, honestly, that's something that Steve will be able to look at for you because, as an accountant, he'll be able to assess, you know, average market rates on, you know, rents coming in, things going out, and maybe look at all the properties that you do have as part of your tax return process, and just sort of seeing, you know, if you got, say, you know, 4 or $500 per week for this property and your loan was such and such, you were outlying this much.","start":403.195,"end":426.085,"sentiment":"neutral","sentiment_score":0.13044347721998664},{"text":"Does that make it negatively or positively geared?","start":426.085,"end":428.665,"sentiment":"negative","sentiment_score":-0.43423205241560936}],"sentiment":"neutral","sentiment_score":0.08475856825334732,"num_words":179,"start":375.44498,"end":428.665},{"sentences":[{"text":"And that compared to your other properties, does it make you overall from all the properties negatively, positive, or naturally geared?","start":429.525,"end":436.725,"sentiment":"neutral","sentiment_score":-0.30917362301122575},{"text":"And that's one thing to sort of look at.","start":436.725,"end":438.745,"sentiment":"neutral","sentiment_score":-0.23557785815662807},{"text":"Yes.","start":443.43,"end":443.93,"sentiment":"neutral","sentiment_score":0.03247857838869095},{"text":"Mhmm.","start":450.07,"end":450.57,"sentiment":"neutral","sentiment_score":-0.011305263265967367},{"text":"Only part of it.","start":453.92502,"end":455.045,"sentiment":"neutral","sentiment_score":-0.030322914011776447}],"sentiment":"neutral","sentiment_score":-0.24202680965471599,"num_words":36,"start":429.525,"end":455.045},{"sentences":[{"text":"So, essentially, when with your investment loan, only the interest you pay on the loan is considered tax deductible.","start":455.045,"end":461.945,"sentiment":"neutral","sentiment_score":0.03841843485440079},{"text":"So your principal isn't, so it's only the interest.","start":462.405,"end":465.225,"sentiment":"neutral","sentiment_score":0.024773862833778065},{"text":"That's why a lot of investors have interest only loans.","start":465.31998,"end":468.3,"sentiment":"neutral","sentiment_score":0.03528396710753441},{"text":"They pay the interest back, and then they yeah.","start":468.59998,"end":471.56,"sentiment":"neutral","sentiment_score":0.053749865748816066},{"text":"The the principal when the interest only loan period finishes, normally, like, five or ten years, then you start paying the principal back because the interest on the loan is tax deductible, and that's essentially one of the expenses that you're paying.","start":471.56,"end":484.845,"sentiment":"neutral","sentiment_score":0.034239598971215035}],"sentiment":"neutral","sentiment_score":0.03626479379037458,"num_words":89,"start":455.045,"end":484.845},{"sentences":[{"text":"Mhmm.","start":501.18,"end":501.65997,"sentiment":"neutral","sentiment_score":-0.07754231989383698},{"text":"Yeah.","start":501.65997,"end":502.13998,"sentiment":"neutral","sentiment_score":-0.08077982068061829},{"text":"No.","start":502.13998,"end":502.37997,"sentiment":"neutral","sentiment_score":-0.16058729588985443},{"text":"So they all your expenses are everything that you have to outlay.","start":502.37997,"end":506.21997,"sentiment":"neutral","sentiment_score":-0.10770728377004464},{"text":"One of the big things with property is that you're continuously paying all your bills on a regular basis.","start":506.21997,"end":511.525,"sentiment":"neutral","sentiment_score":-0.09161875789102755}],"sentiment":"neutral","sentiment_score":-0.09859274240101085,"num_words":34,"start":501.18,"end":511.525},{"sentences":[{"text":"I know some properties like my property my kids live in.","start":511.525,"end":514.485,"sentiment":"neutral","sentiment_score":0.020916874435814945},{"text":"So, you know, they pay rent and everything, and I have those extra expenses, but I also cover their electricity bill for them, and they cover that as part of the rent.","start":514.485,"end":522.325,"sentiment":"neutral","sentiment_score":0.049180542468093336},{"text":"So, you know, you pay your rate, your interest on your loan every month because you still gotta make regular payments into the loan to cover to to be paying it down or covering the interest payments.","start":522.325,"end":533.37994,"sentiment":"neutral","sentiment_score":-0.02007425737542075},{"text":"Your rates, your insurances, if you're having someone come and do the lawns, if you then gotta have, you know, landlord's insurance or contents insurance or something on the property to cover, all of those are your expenditure, and then that's also including the interest on the loan.","start":533.92,"end":548.635,"sentiment":"neutral","sentiment_score":-0.010236539378335388},{"text":"And those are the expenses that are also seen as tax deductible.","start":548.695,"end":551.755,"sentiment":"neutral","sentiment_score":-0.009128257632255554}],"sentiment":"neutral","sentiment_score":0.0032873033795372715,"num_words":140,"start":511.525,"end":551.755},{"sentences":[{"text":"Yeah.","start":552.295,"end":552.795,"sentiment":"neutral","sentiment_score":0.08705392479896545},{"text":"Yeah.","start":558.9675,"end":559.4675,"sentiment":"neutral","sentiment_score":0.22087010741233823},{"text":"Yeah.","start":565.855,"end":566.01495,"sentiment":"neutral","sentiment_score":0.1005498468875885},{"text":"Yeah.","start":566.01495,"end":566.415,"sentiment":"neutral","sentiment_score":0.08873091638088226},{"text":"Just get him to have a look at how all the properties are running at the moment.","start":566.415,"end":570.175,"sentiment":"neutral","sentiment_score":0.08143875572611303}],"sentiment":"neutral","sentiment_score":0.0896030306106522,"num_words":21,"start":552.295,"end":570.175},{"sentences":[{"text":"And maybe when you're looking at a property to build, get an estimate on how much rent you should be able to receive from that property once it is fully built, find out what the loan looks like, what the repayments look like, the drawdowns.","start":570.175,"end":583.12994,"sentiment":"neutral","sentiment_score":0.09037232307924165},{"text":"Because it is a new build, you're generally looking at construction loans, so they have regular drawdown periods.","start":583.12994,"end":589.12994,"sentiment":"neutral","sentiment_score":0.0041909850099020535},{"text":"And to get through each period, the property has to be assessed, evaluated.","start":589.12994,"end":593.55,"sentiment":"neutral","sentiment_score":0.02541498066141055},{"text":"They have to prove to the bank that that that part of the construction has been completed before they get the next drawdown to start the next part of construction.","start":594.70496,"end":602.96497,"sentiment":"neutral","sentiment_score":0.0319903119156758},{"text":"Construction loans are quite fun and also to crazy.","start":603.745,"end":606.865,"sentiment":"neutral","sentiment_score":0.10927410589324103}],"sentiment":"neutral","sentiment_score":0.055789246329146884,"num_words":115,"start":570.175,"end":606.865},{"sentences":[{"text":"So finding out how the construction loan is gonna work, when it becomes interest and principal if you're gonna do it that way.","start":606.865,"end":615.12,"sentiment":"neutral","sentiment_score":0.10753350802089857},{"text":"Because normally, when you have a construction loan, they organize it to be interest only for the first part of construction.","start":615.12,"end":620.475,"sentiment":"neutral","sentiment_score":0.039477922909316565},{"text":"And then when you get the keys, it often becomes principal and interest.","start":621.19495,"end":624.495,"sentiment":"neutral","sentiment_score":0.05293431476904796},{"text":"Looking at what the interest payments might look like, looking at the rent that you might be expected to pay, and just double finding out from, like, local agents if they were to look after the property for you.","start":624.95496,"end":636.05,"sentiment":"neutral","sentiment_score":0.0772626443933218},{"text":"And you were getting a certain amount of rent, what would they charge you?","start":636.43,"end":639.31,"sentiment":"neutral","sentiment_score":0.06556865845673851}],"sentiment":"neutral","sentiment_score":0.07201506824825298,"num_words":110,"start":606.865,"end":639.31},{"sentences":[{"text":"What percentage would they charge you as a management fee just to kinda give you an idea of what the, outlay of expenditure would look like, and then you can kind of compare that with the other properties you have and then take into account the rent you've got coming in from all the properties and whether that makes your properties negative or positively geared.","start":639.31,"end":657.475,"sentiment":"neutral","sentiment_score":-0.005943489712304794},{"text":"Does that make sense?","start":657.475,"end":658.615,"sentiment":"neutral","sentiment_score":0.004956136690452695},{"text":"Yes.","start":658.77,"end":659.27,"sentiment":"neutral","sentiment_score":0.11997579038143158},{"text":"Oh god.","start":662.21,"end":662.95,"sentiment":"positive","sentiment_score":0.5130332112312317},{"text":"Oh, that's okay.","start":664.05005,"end":665.03,"sentiment":"neutral","sentiment_score":0.22370425363381705}],"sentiment":"neutral","sentiment_score":0.019342035856097936,"num_words":75,"start":639.31,"end":665.03},{"sentences":[{"text":"Yeah.","start":667.33,"end":667.83,"sentiment":"neutral","sentiment_score":0.3225710391998291},{"text":"Yeah.","start":668.21,"end":668.71,"sentiment":"neutral","sentiment_score":0.3078421354293823},{"text":"No.","start":668.85004,"end":669.09,"sentiment":"positive","sentiment_score":0.40777236223220825},{"text":"That's really excellent.","start":669.09,"end":670.23004,"sentiment":"positive","sentiment_score":0.7047613263130188},{"text":"I'm so happy for you.","start":670.53,"end":671.81,"sentiment":"positive","sentiment_score":0.8075659513473511}],"sentiment":"positive","sentiment_score":0.6536635702306574,"num_words":11,"start":667.33,"end":671.81},{"sentences":[{"text":"Well, let us know if there's anything additional you need.","start":671.81,"end":674.205,"sentiment":"neutral","sentiment_score":0.30992649793624877},{"text":"It sounds like Steve's amazing.","start":674.60504,"end":676.065,"sentiment":"positive","sentiment_score":0.707217812538147},{"text":"I'm so glad that that's working well for you.","start":676.125,"end":678.945,"sentiment":"positive","sentiment_score":0.7127860188484192},{"text":"Oh, not a problem at all.","start":682.925,"end":684.445,"sentiment":"neutral","sentiment_score":0.17718506356080374},{"text":"Easy.","start":684.445,"end":684.945,"sentiment":"neutral","sentiment_score":0.1776062250137329}],"sentiment":"positive","sentiment_score":0.4610046715505661,"num_words":31,"start":671.81,"end":684.945},{"sentences":[{"text":"Did you still wanna do a bit of a touch base in a few months or you know, in a few weeks or a few months to sort of look at additional advice for you guys, or are you happy just to see how things go with what's happening now at the moment?","start":685.16504,"end":696.13,"sentiment":"neutral","sentiment_score":0.04164049306989841},{"text":"Or Yep.","start":696.19,"end":704.46497,"sentiment":"neutral","sentiment_score":0.07987023051828146},{"text":"Yeah.","start":708.445,"end":708.945,"sentiment":"neutral","sentiment_score":0.07500401139259338},{"text":"Absolutely.","start":709.245,"end":709.745,"sentiment":"neutral","sentiment_score":0.15740221738815308},{"text":"Perfect.","start":711.485,"end":711.985,"sentiment":"neutral","sentiment_score":0.19057869911193848}],"sentiment":"neutral","sentiment_score":0.04809778485575627,"num_words":58,"start":685.16504,"end":711.985},{"sentences":[{"text":"Did you want me to maybe make the catch up?","start":712.045,"end":714.365,"sentiment":"neutral","sentiment_score":0.04657865725457668},{"text":"I can get someone to touch base in maybe one, two, three months.","start":714.365,"end":717.19995,"sentiment":"neutral","sentiment_score":0.03868038264604715},{"text":"What would be preferable for you with everything you've got going on at the moment?","start":717.19995,"end":723.76,"sentiment":"neutral","sentiment_score":0.051544698576132454},{"text":"Three months?","start":723.76,"end":724.5,"sentiment":"neutral","sentiment_score":0.01733926124870777},{"text":"Perfect.","start":724.56,"end":725.06,"sentiment":"neutral","sentiment_score":0.1829734593629837}],"sentiment":"neutral","sentiment_score":0.04779156115723819,"num_words":41,"start":712.045,"end":725.06},{"sentences":[{"text":"Not a problem at all.","start":725.12,"end":726.07996,"sentiment":"neutral","sentiment_score":0.12012104764580726},{"text":"I'll get my team to touch base in three months just to make a time that we can catch up, see how things are going for you, look at all your assets, what's been changing, look at your position, and then we can kinda go from there and see if there's any further advice to look at.","start":726.07996,"end":738.92505,"sentiment":"neutral","sentiment_score":0.19067347990839104},{"text":"Okay?","start":738.92505,"end":739.42505,"sentiment":"neutral","sentiment_score":0.21184073388576508},{"text":"That's okay.","start":742.2409,"end":742.96094,"sentiment":"positive","sentiment_score":0.7142524123191833},{"text":"You have a great day.","start":742.96094,"end":744.0009,"sentiment":"positive","sentiment_score":0.821622896194458}],"sentiment":"neutral","sentiment_score":0.2459636233214821,"num_words":70,"start":725.12,"end":744.0009},{"sentences":[{"text":"Thank you so much, Laura.","start":744.0009,"end":745.3809,"sentiment":"positive","sentiment_score":0.8474259734153747},{"text":"See you later.","start":747.60095,"end":748.2409,"sentiment":"positive","sentiment_score":0.366093377272288},{"text":"Bye.","start":748.2409,"end":748.7409,"sentiment":"neutral","sentiment_score":-0.11014113575220108}],"sentiment":"positive","sentiment_score":0.5805854292379485,"num_words":9,"start":744.0009,"end":748.7409}]}}]},{"alternatives":[{"transcript":"Hey, It's Laura Griffin. How are you? Good. Thank you. I'm well, I've been speaking to we just changed off. Sorry. You're probably gonna hear the radio. I'm just driving in the car at work. You know how you suggested Steve from Goldshore accounting? So we've now engaged with him, and he has suggested to us the option. We've got one property that we lived in, and because of that, it's now at the 6 Year mark where he suggested that we could sell that property and see exempt from the capital gains tax. And so we're looking at doing that, but what we're wanting to do is looking at selling that property and then purchasing a like, a new because we still want the money invested. A like, a house and land package so that it's a new build, so you got the other benefits from that. But he suggested speaking to you first to see whether you thought this was a good idea or not. Yes. Yep. Yep. Yep. Yes. Perfect. Yep. Okay. Cool. With the house that we are selling, so the one that we did live in, we have actually got that mortgage now sitting at zero. So we would have all the cash from the sale to be able to put towards the house. So I'm just wondering whether it would actually be negatively geared or not or whether we should speak to our broker and maybe or even I don't know if you would be able to suggest it or probably see from Goldshore if we were to put the money across the different accounts sitting in a different offset so that it wasn't positively geared. Does that make sense? Yeah. Yes. Right. Okay. So just so I understood that. So it doesn't matter how much our loan is. It depends on if the rent covers the expenses. Yep. Yes. Yep. Alright. Okay. Okay. Cool. Yep. So just to so I'm understanding, your mortgage doesn't go to whether like, does that expense say, your mortgage is at $500 a week. Does that determine is that part of the expenses or no? Right. Yes. Oh, okay. Right. So I think I must have, this entire time, not understood how that worked then. Because I just assumed that, like, if you rent you know, if you had your rent and then you had to cover your mortgage plus all your expenses, and that was how it was determined. But no. Yep. Yeah. Okay. Okay. Cool. Alright. Awesome. So okay. So it it pretty much is a good idea then. Yeah. And then I'll just speak to Steve on how to set it all up. Okay. Cool. Okay. Yep. Yep. Yep. Yep. Yep. Okay. Cool. It does. Yeah. Awesome. Okay. Cool. Thank you very much. I so appreciate your help. I'll go back to see them. We'll start doing it. I'm excited, actually. Yeah. No. He's been really good so far. So, yeah, thank you very much for recommending him. It probably I reckon it probably would be good to catch up again because then we can see whether we have definitely processed with this, what stage we're at, And, yes, these are aligning with what we actually want to achieve with life. Yeah. So I reckon that would be good, please. Probably three, I would say. Yep. Awesome. Sounds really good. Thank you, Dana. No worries at all. You too. 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It's Laura Griffin. How are you? Good. Thank you. I'm well, I've been speaking to we just changed off.\n\nSorry. You're probably gonna hear the radio. I'm just driving in the car at work. You know how you suggested Steve from Goldshore accounting? So we've now engaged with him, and he has suggested to us the option.\n\nWe've got one property that we lived in, and because of that, it's now at the 6 Year mark where he suggested that we could sell that property and see exempt from the capital gains tax. And so we're looking at doing that, but what we're wanting to do is looking at selling that property and then purchasing a like, a new because we still want the money invested. A like, a house and land package so that it's a new build, so you got the other benefits from that. But he suggested speaking to you first to see whether you thought this was a good idea or not. Yes.\n\nYep. Yep. Yep. Yes. Perfect.\n\nYep. Okay. Cool. With the house that we are selling, so the one that we did live in, we have actually got that mortgage now sitting at zero. So we would have all the cash from the sale to be able to put towards the house.\n\nSo I'm just wondering whether it would actually be negatively geared or not or whether we should speak to our broker and maybe or even I don't know if you would be able to suggest it or probably see from Goldshore if we were to put the money across the different accounts sitting in a different offset so that it wasn't positively geared. Does that make sense? Yeah. Yes. Right.\n\nOkay. So just so I understood that. So it doesn't matter how much our loan is. It depends on if the rent covers the expenses. Yep.\n\nYes. Yep. Alright. Okay. Okay.\n\nCool. Yep. So just to so I'm understanding, your mortgage doesn't go to whether like, does that expense say, your mortgage is at $500 a week. Does that determine is that part of the expenses or no? Right.\n\nYes. Oh, okay. Right. So I think I must have, this entire time, not understood how that worked then. Because I just assumed that, like, if you rent you know, if you had your rent and then you had to cover your mortgage plus all your expenses, and that was how it was determined.\n\nBut no. Yep. Yeah. Okay. Okay.\n\nCool. Alright. Awesome. So okay. So it it pretty much is a good idea then.\n\nYeah. And then I'll just speak to Steve on how to set it all up. Okay. Cool. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Cool. It does. Yeah. Awesome.\n\nOkay. Cool. Thank you very much. I so appreciate your help. I'll go back to see them.\n\nWe'll start doing it. I'm excited, actually. Yeah. No. He's been really good so far.\n\nSo, yeah, thank you very much for recommending him. It probably I reckon it probably would be good to catch up again because then we can see whether we have definitely processed with this, what stage we're at, And, yes, these are aligning with what we actually want to achieve with life. Yeah. So I reckon that would be good, please. Probably three, I would say.\n\nYep. Awesome. Sounds really good. Thank you, Dana. No worries at all.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hey, It's Laura Griffin.","start":3.4399998,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.1595185324549675},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.19808313250541687},{"text":"Good.","start":8.08,"end":8.32,"sentiment":"positive","sentiment_score":0.42894017696380615},{"text":"Thank you.","start":8.32,"end":9.059999,"sentiment":"positive","sentiment_score":0.49738194048404694},{"text":"I'm well, I've been speaking to we just changed off.","start":10.16,"end":14.74,"sentiment":"neutral","sentiment_score":-0.010106039792299272}],"sentiment":"neutral","sentiment_score":0.1277483593672514,"num_words":20,"start":3.4399998,"end":14.74},{"sentences":[{"text":"Sorry.","start":15.599999,"end":15.735,"sentiment":"neutral","sentiment_score":-0.09319721162319183},{"text":"You're probably gonna hear the radio.","start":15.974999,"end":17.015,"sentiment":"neutral","sentiment_score":-0.0811411552131176},{"text":"I'm just driving in the car at work.","start":17.015,"end":18.795,"sentiment":"neutral","sentiment_score":-0.03513690968975425},{"text":"You know how you suggested Steve from Goldshore accounting?","start":20.375,"end":24.555,"sentiment":"neutral","sentiment_score":0.010091771578623189},{"text":"So we've now engaged with him, and he has suggested to us the option.","start":26.375,"end":31.115,"sentiment":"neutral","sentiment_score":0.05216250156185457}],"sentiment":"neutral","sentiment_score":-0.0010536435354304942,"num_words":38,"start":15.599999,"end":31.115},{"sentences":[{"text":"We've got one property that we lived in, and because of that, it's now at the 6 Year mark where he suggested that we could sell that property and see exempt from the capital gains tax.","start":31.31,"end":43.809998,"sentiment":"neutral","sentiment_score":0.017853338737040758},{"text":"And so we're looking at doing that, but what we're wanting to do is looking at selling that property and then purchasing a like, a new because we still want the money invested.","start":45.254997,"end":55.274998,"sentiment":"neutral","sentiment_score":0.07509674888217088},{"text":"A like, a house and land package so that it's a new build, so you got the other benefits from that.","start":55.894997,"end":62.829998,"sentiment":"neutral","sentiment_score":0.15470192652373088},{"text":"But he suggested speaking to you first to see whether you thought this was a good idea or not.","start":62.829998,"end":67.409996,"sentiment":"neutral","sentiment_score":-0.023474813586002903},{"text":"Yes.","start":75.145,"end":75.465,"sentiment":"neutral","sentiment_score":0.1202075406908989}],"sentiment":"neutral","sentiment_score":0.05494399497454817,"num_words":110,"start":31.31,"end":75.465},{"sentences":[{"text":"Yep.","start":75.465,"end":75.965,"sentiment":"neutral","sentiment_score":0.09260658919811247},{"text":"Yep.","start":98.53,"end":99.03,"sentiment":"neutral","sentiment_score":0.1875082701444626},{"text":"Yep.","start":123.979996,"end":124.479996,"sentiment":"neutral","sentiment_score":0.29939836263656616},{"text":"Yes.","start":131.665,"end":131.905,"sentiment":"neutral","sentiment_score":0.239452064037323},{"text":"Perfect.","start":131.905,"end":132.405,"sentiment":"positive","sentiment_score":0.426109254360199}],"sentiment":"neutral","sentiment_score":0.24901490807533264,"num_words":5,"start":75.465,"end":132.405},{"sentences":[{"text":"Yep.","start":149.23,"end":149.73,"sentiment":"neutral","sentiment_score":0.10803457349538804},{"text":"Okay.","start":168.22499,"end":168.625,"sentiment":"neutral","sentiment_score":0.1615806519985199},{"text":"Cool.","start":168.625,"end":169.125,"sentiment":"neutral","sentiment_score":0.2658124566078186},{"text":"With the house that we are selling, so the one that we did live in, we have actually got that mortgage now sitting at zero.","start":169.745,"end":177.25,"sentiment":"neutral","sentiment_score":0.11700807988643647},{"text":"So we would have all the cash from the sale to be able to put towards the house.","start":178.67,"end":186.37,"sentiment":"neutral","sentiment_score":0.1176511040992207}],"sentiment":"neutral","sentiment_score":0.12126846854453502,"num_words":46,"start":149.23,"end":186.37},{"sentences":[{"text":"So I'm just wondering whether it would actually be negatively geared or not or whether we should speak to our broker and maybe or even I don't know if you would be able to suggest it or probably see from Goldshore if we were to put the money across the different accounts sitting in a different offset so that it wasn't positively geared.","start":186.83,"end":210.43999,"sentiment":"neutral","sentiment_score":-0.119395531359173},{"text":"Does that make sense?","start":210.73999,"end":211.78,"sentiment":"neutral","sentiment_score":-0.019846132025122643},{"text":"Yeah.","start":211.78,"end":212.28,"sentiment":"neutral","sentiment_score":-0.000126546248793602},{"text":"Yes.","start":250.465,"end":250.785,"sentiment":"neutral","sentiment_score":0.0017144829034805298},{"text":"Right.","start":250.785,"end":251.285,"sentiment":"neutral","sentiment_score":0.05765035003423691}],"sentiment":"neutral","sentiment_score":-0.10774378167199238,"num_words":70,"start":186.83,"end":251.285},{"sentences":[{"text":"Okay.","start":274.17502,"end":274.67502,"sentiment":"neutral","sentiment_score":0.09046529978513718},{"text":"So just so I understood that.","start":274.975,"end":277.45502,"sentiment":"neutral","sentiment_score":0.05562780797481537},{"text":"So it doesn't matter how much our loan is.","start":277.45502,"end":279.855,"sentiment":"neutral","sentiment_score":-0.018201012578275468},{"text":"It depends on if the rent covers the expenses.","start":279.855,"end":283.23502,"sentiment":"neutral","sentiment_score":0.004222177382972505},{"text":"Yep.","start":310.865,"end":311.365,"sentiment":"neutral","sentiment_score":0.28187233209609985}],"sentiment":"neutral","sentiment_score":0.0223190370374001,"num_words":26,"start":274.17502,"end":311.365},{"sentences":[{"text":"Yes.","start":344.73,"end":345.23,"sentiment":"neutral","sentiment_score":0.1228996366262436},{"text":"Yep.","start":355.29,"end":355.79,"sentiment":"neutral","sentiment_score":0.10668864101171494},{"text":"Alright.","start":368.735,"end":369.235,"sentiment":"neutral","sentiment_score":0.13175489008426666},{"text":"Okay.","start":384.875,"end":385.375,"sentiment":"neutral","sentiment_score":0.16758929193019867},{"text":"Okay.","start":401.61,"end":402.09,"sentiment":"neutral","sentiment_score":0.06159176677465439}],"sentiment":"neutral","sentiment_score":0.11810484528541565,"num_words":5,"start":344.73,"end":402.09},{"sentences":[{"text":"Cool.","start":402.09,"end":402.59,"sentiment":"neutral","sentiment_score":0.08553627133369446},{"text":"Yep.","start":439.415,"end":439.915,"sentiment":"neutral","sentiment_score":0.03855308890342712},{"text":"So just to so I'm understanding, your mortgage doesn't go to whether like, does that expense say, your mortgage is at $500 a week.","start":439.975,"end":449.68,"sentiment":"neutral","sentiment_score":0.0012420479130620758},{"text":"Does that determine is that part of the expenses or no?","start":449.81998,"end":453.36,"sentiment":"neutral","sentiment_score":-0.026219883595000614},{"text":"Right.","start":469.265,"end":469.765,"sentiment":"neutral","sentiment_score":0.05646563321352005}],"sentiment":"neutral","sentiment_score":-0.0020540677942335606,"num_words":38,"start":402.09,"end":469.765},{"sentences":[{"text":"Yes.","start":475.05,"end":475.55,"sentiment":"neutral","sentiment_score":0.04454232007265091},{"text":"Oh, okay.","start":480.41,"end":481.07,"sentiment":"neutral","sentiment_score":0.07192336767911911},{"text":"Right.","start":485.69,"end":486.09,"sentiment":"neutral","sentiment_score":0.02472618781030178},{"text":"So I think I must have, this entire time, not understood how that worked then.","start":486.09,"end":490.10498,"sentiment":"neutral","sentiment_score":-0.10347784062226613},{"text":"Because I just assumed that, like, if you rent you know, if you had your rent and then you had to cover your mortgage plus all your expenses, and that was how it was determined.","start":490.10498,"end":500.365,"sentiment":"neutral","sentiment_score":-0.05272402507918222}],"sentiment":"neutral","sentiment_score":-0.05897024525674405,"num_words":54,"start":475.05,"end":500.365},{"sentences":[{"text":"But no.","start":500.505,"end":501.06,"sentiment":"neutral","sentiment_score":-0.14452873170375824},{"text":"Yep.","start":531.27,"end":531.77,"sentiment":"neutral","sentiment_score":-0.01428542286157608},{"text":"Yeah.","start":549.09503,"end":549.41504,"sentiment":"neutral","sentiment_score":-0.006012594327330589},{"text":"Okay.","start":549.41504,"end":549.91504,"sentiment":"neutral","sentiment_score":0.0012206975370645523},{"text":"Okay.","start":552.85504,"end":553.255,"sentiment":"neutral","sentiment_score":0.15208396315574646}],"sentiment":"neutral","sentiment_score":-0.026008469983935356,"num_words":6,"start":500.505,"end":553.255},{"sentences":[{"text":"Cool.","start":553.255,"end":553.655,"sentiment":"positive","sentiment_score":0.3468136489391327},{"text":"Alright.","start":553.655,"end":554.135,"sentiment":"positive","sentiment_score":0.4492100179195404},{"text":"Awesome.","start":554.135,"end":554.635,"sentiment":"positive","sentiment_score":0.6825291514396667},{"text":"So okay.","start":554.88995,"end":556.25,"sentiment":"positive","sentiment_score":0.4964427649974823},{"text":"So it it pretty much is a good idea then.","start":556.25,"end":558.82996,"sentiment":"positive","sentiment_score":0.6217581987380981}],"sentiment":"positive","sentiment_score":0.5792680223782857,"num_words":15,"start":553.255,"end":558.82996},{"sentences":[{"text":"Yeah.","start":560.88995,"end":561.29,"sentiment":"neutral","sentiment_score":0.1807592213153839},{"text":"And then I'll just speak to Steve on how to set it all up.","start":561.29,"end":564.97,"sentiment":"neutral","sentiment_score":0.13905536117298262},{"text":"Okay.","start":564.97,"end":565.29,"sentiment":"neutral","sentiment_score":0.19043150544166565},{"text":"Cool.","start":565.29,"end":565.76996,"sentiment":"neutral","sentiment_score":0.24080529808998108},{"text":"Okay.","start":565.76996,"end":566.26996,"sentiment":"neutral","sentiment_score":0.1115606129169464}],"sentiment":"neutral","sentiment_score":0.1483517607880963,"num_words":18,"start":560.88995,"end":566.26996},{"sentences":[{"text":"Yep.","start":579.485,"end":579.985,"sentiment":"neutral","sentiment_score":0.0654045045375824},{"text":"Yep.","start":589.58,"end":590.08,"sentiment":"neutral","sentiment_score":0.0219111405313015},{"text":"Yep.","start":603.66504,"end":604.16504,"sentiment":"neutral","sentiment_score":0.09228956699371338},{"text":"Yep.","start":621.6,"end":622.1,"sentiment":"neutral","sentiment_score":0.04506176710128784},{"text":"Yep.","start":647.23,"end":647.73,"sentiment":"neutral","sentiment_score":0.0036875028163194656}],"sentiment":"neutral","sentiment_score":0.04567089639604092,"num_words":5,"start":579.485,"end":647.73},{"sentences":[{"text":"Okay.","start":658.075,"end":658.395,"sentiment":"neutral","sentiment_score":0.00995053444057703},{"text":"Cool.","start":658.395,"end":658.895,"sentiment":"neutral","sentiment_score":0.1499399691820145},{"text":"It does.","start":658.955,"end":659.59503,"sentiment":"neutral","sentiment_score":0.14387849345803264},{"text":"Yeah.","start":659.59503,"end":659.91504,"sentiment":"neutral","sentiment_score":0.19745346903800964},{"text":"Awesome.","start":659.91504,"end":660.41504,"sentiment":"positive","sentiment_score":0.42049479484558105}],"sentiment":"neutral","sentiment_score":0.1775992924037079,"num_words":6,"start":658.075,"end":660.41504},{"sentences":[{"text":"Okay.","start":660.47504,"end":660.97504,"sentiment":"neutral","sentiment_score":0.2601890563964844},{"text":"Cool.","start":661.195,"end":661.515,"sentiment":"positive","sentiment_score":0.3853883743286133},{"text":"Thank you very much.","start":661.515,"end":662.47504,"sentiment":"positive","sentiment_score":0.5722882002592087},{"text":"I so appreciate your help.","start":662.47504,"end":663.81,"sentiment":"positive","sentiment_score":0.6550627946853638},{"text":"I'll go back to see them.","start":663.97,"end":665.01,"sentiment":"neutral","sentiment_score":0.2328857978185018}],"sentiment":"positive","sentiment_score":0.44749170541763306,"num_words":17,"start":660.47504,"end":665.01},{"sentences":[{"text":"We'll start doing it.","start":665.01,"end":666.52997,"sentiment":"positive","sentiment_score":0.37357471883296967},{"text":"I'm excited, actually.","start":666.52997,"end":667.67,"sentiment":"positive","sentiment_score":0.6099560658137003},{"text":"Yeah.","start":679.005,"end":679.325,"sentiment":"neutral","sentiment_score":0.2575318515300751},{"text":"No.","start":679.325,"end":679.48505,"sentiment":"neutral","sentiment_score":0.20384609699249268},{"text":"He's been really good so far.","start":679.48505,"end":680.765,"sentiment":"positive","sentiment_score":0.41273627678553265}],"sentiment":"positive","sentiment_score":0.4174641788005829,"num_words":15,"start":665.01,"end":680.765},{"sentences":[{"text":"So, yeah, thank you very much for recommending him.","start":680.765,"end":682.86505,"sentiment":"positive","sentiment_score":0.6055936151080661},{"text":"It probably I reckon it probably would be good to catch up again because then we can see whether we have definitely processed with this, what stage we're at, And, yes, these are aligning with what we actually want to achieve with life.","start":696.97,"end":708.525,"sentiment":"neutral","sentiment_score":0.10854212983056556},{"text":"Yeah.","start":708.905,"end":709.145,"sentiment":"neutral","sentiment_score":0.08784244954586029},{"text":"So I reckon that would be good, please.","start":709.145,"end":711.005,"sentiment":"neutral","sentiment_score":0.20125839114189148},{"text":"Probably three, I would say.","start":721.32,"end":723.26,"sentiment":"neutral","sentiment_score":0.03017631731927395}],"sentiment":"neutral","sentiment_score":0.18130977702976175,"num_words":66,"start":680.765,"end":723.26},{"sentences":[{"text":"Yep.","start":724.84,"end":725.34,"sentiment":"neutral","sentiment_score":0.112216018140316},{"text":"Awesome.","start":739.925,"end":740.325,"sentiment":"positive","sentiment_score":0.8352649211883545},{"text":"Sounds really good.","start":740.325,"end":741.045,"sentiment":"positive","sentiment_score":0.856430451075236},{"text":"Thank you, Dana.","start":741.045,"end":741.6209,"sentiment":"positive","sentiment_score":0.842869242032369},{"text":"No worries at all.","start":745.7009,"end":746.5009,"sentiment":"positive","sentiment_score":0.48389221727848053}],"sentiment":"positive","sentiment_score":0.6650790739804506,"num_words":12,"start":724.84,"end":746.5009},{"sentences":[{"text":"You too.","start":746.5009,"end":746.90094,"sentiment":"positive","sentiment_score":0.4319998323917389},{"text":"Bye.","start":746.90094,"end":747.40094,"sentiment":"neutral","sentiment_score":0.32858413457870483}],"sentiment":"positive","sentiment_score":0.39752793312072754,"num_words":3,"start":746.5009,"end":747.40094}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Dana.\n\nChannel 1: Hey, It's Laura Griffin. How are you?\n\nChannel 0: I'm good. Thank you. How are you, Laura?\n\nChannel 1: Good. Thank you.\n\nChannel 0: What can I\n\nChannel 1: I'm\n\nChannel 0: help you with?\n\nChannel 1: well, I've been speaking to we just changed off. Sorry. You're probably gonna hear the radio. I'm just driving in the car at work.\n\nChannel 0: You're right.\n\nChannel 1: You know how you suggested Steve from Goldshore accounting? So we've now engaged with him, and he has suggested to us the option. We've got one property that we lived in,\n\nChannel 0: Yes. Mhmm.\n\nChannel 1: and because of that, it's now at the 6 Year mark where he suggested that we could sell that property and see exempt from the capital gains tax.\n\nChannel 0: Yep.\n\nChannel 1: And so we're looking at doing that, but what we're wanting to do is looking at selling that property and then purchasing a like, a new because we still want the money invested. A\n\nChannel 0: Yeah.\n\nChannel 1: like, a house and land package so that it's a new build, so you got the other benefits from that. But he suggested\n\nChannel 0: Yep.\n\nChannel 1: speaking to you first to see whether you thought this was a good idea or not.\n\nChannel 0: Yeah. Yeah. Definitely. So the the house and land package, that would essentially be an investment as well.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. I mean, honestly, it's not in any way, shape, or form a bad idea because with, obviously, the new legislation coming into play in order for you to access negative gearing, which is something that you guys would obviously if the property isn't generating enough income to, you know, be neutrally or positively geared, you would benefit from from sort of a tax point of view.\n\nChannel 1: Yep.\n\nChannel 0: And being able to sell that one property does save you in CGT. So it's not in any way, shape, or form a bad idea. It does work for you as long as it works with your goals. So just making sure that that purchasing the house and land package is gonna work for you, that the area is suitable, and looking at sort of how long that would take to obviously be built, making sure that you could get the property built with no issues, and\n\nChannel 1: Yep.\n\nChannel 0: then sort of what rental income that would look like for you. But in all honesty, he's made a really good suggestion. Yeah. In theory,\n\nChannel 1: Yes. Perfect.\n\nChannel 0: just general advice wise, to try and limit yeah. Get the best of selling the property. Selling the one that is that was your main primary residence does mean you are exempt for the CGT consequences, which is a good thing. It means that, you know, less tax to pay and say you end up with more in your back pocket after the sale. And\n\nChannel 1: Yep.\n\nChannel 0: then, yeah, in order to kind of take advantage of the tax with the new legislation, unfortunately, has just passed, in order for investors to take advantage of that to negatively get and or get access to the 50% CGT, we do have to focus on the new build side of things. So yeah. Yep.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: With the house that we are selling, so the one that\n\nChannel 0: Yes.\n\nChannel 1: we did live in, we have actually got that mortgage now sitting at zero.\n\nChannel 0: Okay.\n\nChannel 1: So we would have all the cash from the sale to be able to put towards the house. So I'm just\n\nChannel 0: Yep.\n\nChannel 1: wondering whether it would actually be negatively geared or not or whether we should speak to our broker and maybe or even I don't know if you would be able to suggest it or probably see from Goldshore if we were to put the money across the different accounts sitting in a different offset so that it wasn't positively geared. Does that make\n\nChannel 0: Yes.\n\nChannel 1: sense? Yeah.\n\nChannel 0: Yeah. So, realistically, you when you think about negatively gearing and or positively gearing a property, you wanna look at your total cost. So is the money going to buy the the property outright, but then is the rent coming in gonna cover all your other expenditure? So thinking about, agencies, if you're gonna have a a property agent looking after it, what's the rent gonna look like coming in on a regular basis? Are you still gonna have a loan on that property in any form, and is, you know, the rent's gonna cover all of those expenses that you have to pay on a regular basis.\n\nIf the rent coming in doesn't cover all of that, then the property will be negatively geared, and you'll\n\nChannel 1: Yes.\n\nChannel 0: still get\n\nChannel 1: Right.\n\nChannel 0: those sorts of benefits. If the rent does cover all of your regular expenditure each year, that's when, the the property isn't sorry, neutrally or positively geared. So it's more less about just the property like, buying the property itself, more about all the expenses that you have to outlay on a regular basis to keep the property going and what you have coming in.\n\nChannel 1: Okay. So\n\nChannel 0: Yeah.\n\nChannel 1: just so I understood that. So it doesn't matter how much our loan is. It depends on if the rent covers the expenses.\n\nChannel 0: Yeah. So expenses are the interest on the loan that you do have for the property. Your agencies, are you having someone come and do the loans on a regular basis? So it's looking at the total that your expenditure out. So as an example, on my investment property, I have an agent who looks after the who looks after and collects the rent there for me.\n\nTherefore, I pay him a a fee for doing that. That comes out of the rent that I received from the property.\n\nChannel 1: Yep.\n\nChannel 0: I have the interest on my loan, my investment loan for the property. I also have, you know, someone who goes and mows the lawns once every sort of month or so just to keep the prop the lawns cut down. So all of those regular expenses plus rates plus insurances on the property as a landlord sometimes having insurances to cover your whatever you own in the property, the main building insurance and or contents that you hold in the property, like, say, your air conditioner or your oven and things like that, plus all of your, like, state costs. So thinking\n\nChannel 1: Yes.\n\nChannel 0: like, yeah, your regular fees that you pay on a yearly your rate, sorry, is the word I'm thinking of. So all of those sorts of expenses are all sort of pulled together at tax time, and that's all\n\nChannel 1: Yep.\n\nChannel 0: your total expenditure for the property. And then to work out whether property is negatively positive or neutrally geared, they look at the rent coming in, how much you're making from that property, and then does that cover the expenses. The other thing that\n\nChannel 1: Alright.\n\nChannel 0: Steve might look at is all of your properties. So if you've got like, because you guys have got a few properties. If all of your properties together might be neutrally geared, some might be negatively geared, some might be positively geared, it could offset itself. So looking\n\nChannel 1: Okay.\n\nChannel 0: at all the properties, the rent coming in, and all the expenses that you're outlying, and does that cover, you know, does the rent coming in from those properties cover everything you're technically outlaying for those properties, and that helps you to work out whether you're negatively or positively geared. And, you\n\nChannel 1: Okay.\n\nChannel 0: know, if you\n\nChannel 1: Cool.\n\nChannel 0: under yeah. And, honestly, that's something that Steve will be able to look at for you because, as an accountant, he'll be able to assess, you know, average market rates on, you know, rents coming in, things going out, and maybe look at all the properties that you do have as part of your tax return process, and just sort of seeing, you know, if you got, say, you know, 4 or $500 per week for this property and your loan was such and such, you were outlying this much. Does that make it negatively or positively geared? And that compared to your other properties, does it make you overall from all the properties negatively, positive, or naturally geared? And that's one thing to sort of look at.\n\nChannel 1: Yep. So just to so I'm understanding, your\n\nChannel 0: Yes.\n\nChannel 1: mortgage doesn't go to whether like, does that expense say, your mortgage is at $500 a week. Does that\n\nChannel 0: Mhmm.\n\nChannel 1: determine is that part of the expenses or no?\n\nChannel 0: Only part of it. So, essentially, when with your investment loan, only the interest you pay on the loan is considered tax deductible. So your principal isn't, so it's only the interest. That's why a lot of investors have interest only loans. They pay the\n\nChannel 1: Right.\n\nChannel 0: interest back, and then they yeah. The the principal when the interest only loan period\n\nChannel 1: Yes.\n\nChannel 0: finishes, normally, like, five or ten years, then you start paying the principal back because the interest\n\nChannel 1: Oh,\n\nChannel 0: on\n\nChannel 1: okay.\n\nChannel 0: the loan is tax deductible, and that's essentially one of the expenses that you're paying.\n\nChannel 1: Right. So I think I must have, this entire time, not understood how that worked then. Because I just assumed that, like, if you rent you know, if you had your rent and then you had to cover your mortgage plus all your expenses, and that was how it was determined. But no.\n\nChannel 0: Mhmm. Yeah. No. So they all your expenses are everything that you have to outlay. One of the big things with property is that you're continuously paying all your bills on a regular basis.\n\nI know some properties like my property my kids live in. So, you know, they pay rent and everything, and I have those extra expenses, but I also cover their electricity bill for them, and they cover that as part of the rent. So, you know, you pay your rate, your interest on your loan every month because you still gotta make regular payments into the loan to cover to to be paying\n\nChannel 1: Yep.\n\nChannel 0: it down or covering the interest payments. Your rates, your insurances, if you're having someone come and do the lawns, if you then gotta have, you know, landlord's insurance or contents insurance or something on the property to cover, all of those are your expenditure, and then that's also including the interest on the loan. And those\n\nChannel 1: Yeah.\n\nChannel 0: are the expenses\n\nChannel 1: Okay.\n\nChannel 0: that are also seen as tax deductible. Yeah.\n\nChannel 1: Okay. Cool. Alright. Awesome. So okay.\n\nSo it it pretty much is a good idea then.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. And then I'll just speak to Steve on how to set it all up. Okay. Cool. Okay.\n\nChannel 0: Yeah. Yeah. Just get him to have a look at how all the properties are running at the moment. And maybe when you're looking at a property to build, get an estimate on how much rent you should be able to receive from that property once it is fully built,\n\nChannel 1: Yep.\n\nChannel 0: find out what the loan looks like, what the repayments look like, the drawdowns. Because it is a new build, you're generally looking at construction loans, so they have regular drawdown periods. And to get\n\nChannel 1: Yep.\n\nChannel 0: through each period, the property has to be assessed, evaluated. They have to prove to the bank that that that part of the construction has been completed before they get the next drawdown to start the next part of construction.\n\nChannel 1: Yep.\n\nChannel 0: Construction loans are quite fun and also to crazy. So finding out how the construction loan is gonna work, when it becomes interest and principal if you're gonna do it that way. Because normally, when you have a construction loan, they organize it to be interest only for the first part of construction. And then when\n\nChannel 1: Yep.\n\nChannel 0: you get the keys, it often becomes principal and interest. Looking at what the interest payments might look like, looking at the rent that you might be expected to pay, and just double finding out from, like, local agents if they were to look after the property for you. And you were getting a certain amount of rent, what would they charge you? What percentage would they charge you as a management fee just to kinda give you an idea of what the, outlay of expenditure would look like, and then you\n\nChannel 1: Yep.\n\nChannel 0: can kind of compare that with the other properties you have and then take into account the rent you've got coming in from all the properties and whether that makes your properties negative or positively geared. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Cool.\n\nChannel 0: Yes.\n\nChannel 1: It does. Yeah. Awesome. Okay. Cool.\n\nThank you very\n\nChannel 0: Oh\n\nChannel 1: much.\n\nChannel 0: god.\n\nChannel 1: I so appreciate your help. I'll\n\nChannel 0: Oh,\n\nChannel 1: go back\n\nChannel 0: that's\n\nChannel 1: to\n\nChannel 0: okay.\n\nChannel 1: see them. We'll start doing it. I'm excited, actually.\n\nChannel 0: Yeah. Yeah. No. That's really excellent. I'm so happy for you.\n\nWell, let us know if there's anything additional you need. It sounds like Steve's amazing. I'm so glad that that's working well for you.\n\nChannel 1: Yeah. No. He's been really good so far. So, yeah, thank you very much for recommending him.\n\nChannel 0: Oh, not a problem at all. Easy. Did you still wanna do a bit of a touch base in a few months or you know, in a few weeks or a few months to sort of look at additional advice for you guys, or are you happy just to see how things go with what's happening now at the moment? Or\n\nChannel 1: It probably I reckon it probably would be good to catch up again because then we can see whether we have definitely processed with this, what stage we're at,\n\nChannel 0: Yep.\n\nChannel 1: And, yes, these are aligning with what we actually want to achieve with life.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So\n\nChannel 0: Absolutely.\n\nChannel 1: I reckon that would be good, please.\n\nChannel 0: Perfect. Did you want me to maybe make the catch up? I can get someone to touch base in maybe one, two, three months. What would be preferable for you with everything you've got going on at the\n\nChannel 1: Probably three, I would say.\n\nChannel 0: moment? Three months? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem at all. I'll get my team to touch base in three months just to make a time that we can catch up, see how things are going for you, look at all your assets, what's been changing, look at your position, and then we can kinda go from there and see if there's any further advice to look at. Okay?\n\nChannel 1: Awesome. Sounds really good. Thank you, Dana.\n\nChannel 0: That's okay. You have a great day. Thank you so much, Laura.\n\nChannel 1: No worries at all. You too. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.1999999,"end":1.92,"sentiment":"neutral","sentiment_score":0.26815705746412277},{"text":"This is Dana.","start":1.92,"end":2.82,"sentiment":"neutral","sentiment_score":0.18230616052945456}],"sentiment":"neutral","sentiment_score":0.21664651930332185,"channel":0,"num_words":5,"start":1.1999999,"end":2.82},{"sentences":[{"text":"Hey, It's Laura Griffin.","start":3.4399998,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.1595185324549675},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.19808313250541687}],"sentiment":"neutral","sentiment_score":0.17604621819087438,"channel":1,"num_words":7,"start":3.4399998,"end":5.62},{"sentences":[{"text":"I'm good.","start":5.7599998,"end":6.24,"sentiment":"positive","sentiment_score":0.5447448194026947},{"text":"Thank you.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.6073066592216492},{"text":"How are you, Laura?","start":6.56,"end":7.62,"sentiment":"neutral","sentiment_score":0.23443476483225822}],"sentiment":"positive","sentiment_score":0.4052302520722151,"channel":0,"num_words":8,"start":5.7599998,"end":7.62},{"sentences":[{"text":"Good.","start":8.08,"end":8.32,"sentiment":"positive","sentiment_score":0.42894017696380615},{"text":"Thank you.","start":8.32,"end":9.059999,"sentiment":"positive","sentiment_score":0.49738194048404694}],"sentiment":"positive","sentiment_score":0.47456801931063336,"channel":1,"num_words":3,"start":8.08,"end":9.059999},{"sentences":[{"text":"What can I","start":9.599999,"end":10.16,"sentiment":"neutral","sentiment_score":0.1597158114115397}],"sentiment":"neutral","sentiment_score":0.1597158114115397,"channel":0,"num_words":3,"start":9.599999,"end":10.16},{"sentences":[{"text":"I'm","start":10.16,"end":10.32,"sentiment":"neutral","sentiment_score":0.11634014546871184}],"sentiment":"neutral","sentiment_score":0.11634014546871184,"channel":1,"num_words":1,"start":10.16,"end":10.32},{"sentences":[{"text":"help you with?","start":10.16,"end":10.98,"sentiment":"neutral","sentiment_score":0.1373611663778623}],"sentiment":"neutral","sentiment_score":0.1373611663778623,"channel":0,"num_words":3,"start":10.16,"end":10.98},{"sentences":[{"text":"well, I've been speaking to we just changed off.","start":11.599999,"end":14.74,"sentiment":"neutral","sentiment_score":-0.02415561593241162},{"text":"Sorry.","start":15.599999,"end":15.735,"sentiment":"neutral","sentiment_score":-0.09319721162319183},{"text":"You're probably gonna hear the radio.","start":15.974999,"end":17.015,"sentiment":"neutral","sentiment_score":-0.0811411552131176},{"text":"I'm just driving in the car at work.","start":17.015,"end":18.795,"sentiment":"neutral","sentiment_score":-0.03513690968975425}],"sentiment":"neutral","sentiment_score":-0.04493916515881816,"channel":1,"num_words":24,"start":11.599999,"end":18.795},{"sentences":[{"text":"You're right.","start":19.455,"end":20.195,"sentiment":"neutral","sentiment_score":0.016517698764801025}],"sentiment":"neutral","sentiment_score":0.016517698764801025,"channel":0,"num_words":2,"start":19.455,"end":20.195},{"sentences":[{"text":"You know how you suggested Steve from Goldshore accounting?","start":20.375,"end":24.555,"sentiment":"neutral","sentiment_score":0.010091771578623189},{"text":"So we've now engaged with him, and he has suggested to us the option.","start":26.375,"end":31.115,"sentiment":"neutral","sentiment_score":0.05216250156185457},{"text":"We've got one property that we lived in,","start":31.31,"end":34.69,"sentiment":"neutral","sentiment_score":0.029357382794842124}],"sentiment":"neutral","sentiment_score":0.03406322672362289,"channel":1,"num_words":31,"start":20.375,"end":34.69},{"sentences":[{"text":"Yes.","start":34.27,"end":34.77,"sentiment":"neutral","sentiment_score":0.03209899365901947},{"text":"Mhmm.","start":35.07,"end":35.57,"sentiment":"neutral","sentiment_score":0.01995321735739708}],"sentiment":"neutral","sentiment_score":0.026026105508208275,"channel":0,"num_words":2,"start":34.27,"end":35.57},{"sentences":[{"text":"and because of that, it's now at the 6 Year mark where he suggested that we could sell that property and see exempt from the capital gains tax.","start":35.309998,"end":43.809998,"sentiment":"neutral","sentiment_score":0.014566469006240368}],"sentiment":"neutral","sentiment_score":0.014566469006240368,"channel":1,"num_words":28,"start":35.309998,"end":43.809998},{"sentences":[{"text":"Yep.","start":44.284996,"end":44.784996,"sentiment":"neutral","sentiment_score":0.0650663897395134}],"sentiment":"neutral","sentiment_score":0.0650663897395134,"channel":0,"num_words":1,"start":44.284996,"end":44.784996},{"sentences":[{"text":"And so we're looking at doing that, but what we're wanting to do is looking at selling that property and then purchasing a like, a new because we still want the money invested.","start":45.254997,"end":55.274998,"sentiment":"neutral","sentiment_score":0.07509674888217088},{"text":"A","start":55.894997,"end":55.975,"sentiment":"neutral","sentiment_score":0.06674197316169739}],"sentiment":"neutral","sentiment_score":0.0748510201845099,"channel":1,"num_words":34,"start":45.254997,"end":55.975},{"sentences":[{"text":"Yeah.","start":55.9,"end":56.4,"sentiment":"neutral","sentiment_score":0.07642240077257156}],"sentiment":"neutral","sentiment_score":0.07642240077257156,"channel":0,"num_words":1,"start":55.9,"end":56.4},{"sentences":[{"text":"like, a house and land package so that it's a new build, so you got the other benefits from that.","start":56.055,"end":62.829998,"sentiment":"neutral","sentiment_score":0.15909992419183255},{"text":"But he suggested","start":62.829998,"end":63.73,"sentiment":"neutral","sentiment_score":0.02088905560473601}],"sentiment":"neutral","sentiment_score":0.1410724195935156,"channel":1,"num_words":23,"start":56.055,"end":63.73},{"sentences":[{"text":"Yep.","start":63.435,"end":63.935,"sentiment":"neutral","sentiment_score":-0.011547861620783806}],"sentiment":"neutral","sentiment_score":-0.011547861620783806,"channel":0,"num_words":1,"start":63.435,"end":63.935},{"sentences":[{"text":"speaking to you first to see whether you thought this was a good idea or not.","start":63.79,"end":67.409996,"sentiment":"neutral","sentiment_score":-0.03179303905926645}],"sentiment":"neutral","sentiment_score":-0.03179303905926645,"channel":1,"num_words":16,"start":63.79,"end":67.409996},{"sentences":[{"text":"Yeah.","start":67.915,"end":68.415,"sentiment":"neutral","sentiment_score":0.06802336871623993},{"text":"Yeah.","start":68.475,"end":68.875,"sentiment":"neutral","sentiment_score":0.08828580379486084},{"text":"Definitely.","start":68.875,"end":69.375,"sentiment":"neutral","sentiment_score":0.14445993304252625},{"text":"So the the house and land package, that would essentially be an investment as 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you would benefit from from sort of a tax point of view.","start":76.73,"end":97.965004,"sentiment":"neutral","sentiment_score":-0.026056620828581577}],"sentiment":"neutral","sentiment_score":-0.024572970429018362,"channel":0,"num_words":67,"start":76.090004,"end":97.965004},{"sentences":[{"text":"Yep.","start":98.53,"end":99.03,"sentiment":"neutral","sentiment_score":0.1875082701444626}],"sentiment":"neutral","sentiment_score":0.1875082701444626,"channel":1,"num_words":1,"start":98.53,"end":99.03},{"sentences":[{"text":"And being able to sell that one property does save you in CGT.","start":98.665,"end":102.205,"sentiment":"positive","sentiment_score":0.4522426976607396},{"text":"So it's not in any way, shape, or form a bad idea.","start":102.345,"end":104.925,"sentiment":"neutral","sentiment_score":0.2516562857975562},{"text":"It does work for you as long as it works with your goals.","start":105.42,"end":108.08,"sentiment":"positive","sentiment_score":0.5408026788097161},{"text":"So just making sure that that purchasing the house and land package is gonna work for you, that the area is suitable, and looking at sort of how long that would take to obviously be built, making sure that you could get the property built with no issues, and","start":108.3,"end":123.985,"sentiment":"positive","sentiment_score":0.3436005060770074}],"sentiment":"positive","sentiment_score":0.37661942668344783,"channel":0,"num_words":87,"start":98.665,"end":123.985},{"sentences":[{"text":"Yep.","start":123.979996,"end":124.479996,"sentiment":"neutral","sentiment_score":0.29939836263656616}],"sentiment":"neutral","sentiment_score":0.29939836263656616,"channel":1,"num_words":1,"start":123.979996,"end":124.479996},{"sentences":[{"text":"then sort of what rental income that would look like for you.","start":123.985,"end":127.024994,"sentiment":"neutral","sentiment_score":0.24487150957187018},{"text":"But in all honesty, he's made a really good suggestion.","start":127.024994,"end":130.485,"sentiment":"positive","sentiment_score":0.5661349892616272},{"text":"Yeah.","start":130.785,"end":131.185,"sentiment":"neutral","sentiment_score":0.22308902442455292},{"text":"In theory,","start":131.185,"end":131.905,"sentiment":"neutral","sentiment_score":0.19388166069984436}],"sentiment":"positive","sentiment_score":0.36842641413211824,"channel":0,"num_words":25,"start":123.985,"end":131.905},{"sentences":[{"text":"Yes.","start":131.665,"end":131.905,"sentiment":"neutral","sentiment_score":0.239452064037323},{"text":"Perfect.","start":131.905,"end":132.405,"sentiment":"positive","sentiment_score":0.426109254360199}],"sentiment":"neutral","sentiment_score":0.332780659198761,"channel":1,"num_words":2,"start":131.665,"end":132.405},{"sentences":[{"text":"just general advice wise, to try and limit yeah.","start":131.905,"end":135.42,"sentiment":"neutral","sentiment_score":0.2454916371239556},{"text":"Get the best of selling the 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yeah.","start":166.37,"end":167.19,"sentiment":"neutral","sentiment_score":0.022937355563044548},{"text":"Yep.","start":167.25,"end":167.75,"sentiment":"neutral","sentiment_score":0.07747030258178711}],"sentiment":"neutral","sentiment_score":-0.1732473506846211,"channel":0,"num_words":55,"start":149.305,"end":167.75},{"sentences":[{"text":"Okay.","start":168.22499,"end":168.625,"sentiment":"neutral","sentiment_score":0.1615806519985199},{"text":"Cool.","start":168.625,"end":169.125,"sentiment":"neutral","sentiment_score":0.2658124566078186}],"sentiment":"neutral","sentiment_score":0.21369655430316925,"channel":1,"num_words":2,"start":168.22499,"end":169.125},{"sentences":[{"text":"Yeah.","start":169.49,"end":169.99,"sentiment":"neutral","sentiment_score":0.15149705111980438}],"sentiment":"neutral","sentiment_score":0.15149705111980438,"channel":0,"num_words":1,"start":169.49,"end":169.99},{"sentences":[{"text":"With the house that we are selling, so the one 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just","start":186.83,"end":187.47,"sentiment":"neutral","sentiment_score":-0.0021503567695617676}],"sentiment":"neutral","sentiment_score":0.10053660968939464,"channel":1,"num_words":21,"start":178.67,"end":187.47},{"sentences":[{"text":"Yep.","start":187.2,"end":187.7,"sentiment":"neutral","sentiment_score":-0.050586163997650146}],"sentiment":"neutral","sentiment_score":-0.050586163997650146,"channel":0,"num_words":1,"start":187.2,"end":187.7},{"sentences":[{"text":"wondering whether it would actually be negatively geared or not or whether we should speak to our broker and maybe or even I don't know if you would be able to suggest it or probably see from Goldshore if we were to put the money across the different accounts sitting in a different offset so that it wasn't positively geared.","start":187.47,"end":210.43999,"sentiment":"neutral","sentiment_score":-0.12525779008865356},{"text":"Does that 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get","start":250.57,"end":250.97,"sentiment":"neutral","sentiment_score":0.022639580070972443}],"sentiment":"neutral","sentiment_score":0.022639580070972443,"channel":0,"num_words":2,"start":250.57,"end":250.97},{"sentences":[{"text":"Right.","start":250.785,"end":251.285,"sentiment":"neutral","sentiment_score":0.05765035003423691}],"sentiment":"neutral","sentiment_score":0.05765035003423691,"channel":1,"num_words":1,"start":250.785,"end":251.285},{"sentences":[{"text":"those sorts of benefits.","start":250.97,"end":252.11,"sentiment":"neutral","sentiment_score":0.06692443788051605},{"text":"If the rent does cover all of your regular expenditure each year, that's when, the the property isn't sorry, neutrally or positively geared.","start":253.13,"end":262.05502,"sentiment":"neutral","sentiment_score":0.22779726107483325},{"text":"So it's more less about just the property like, buying the property itself, more about all the expenses that you have to outlay on a regular basis to keep the property going and what you have coming in.","start":262.05502,"end":273.35,"sentiment":"neutral","sentiment_score":0.18606558697004066}],"sentiment":"neutral","sentiment_score":0.19350041632468884,"channel":0,"num_words":65,"start":250.97,"end":273.35},{"sentences":[{"text":"Okay.","start":274.17502,"end":274.67502,"sentiment":"neutral","sentiment_score":0.09046529978513718},{"text":"So","start":274.975,"end":275.475,"sentiment":"neutral","sentiment_score":0.06357365846633911}],"sentiment":"neutral","sentiment_score":0.07701947912573814,"channel":1,"num_words":2,"start":274.17502,"end":275.475},{"sentences":[{"text":"Yeah.","start":275.33,"end":275.83,"sentiment":"neutral","sentiment_score":0.08548979461193085}],"sentiment":"neutral","sentiment_score":0.08548979461193085,"channel":0,"num_words":1,"start":275.33,"end":275.83},{"sentences":[{"text":"just so I understood that.","start":276.095,"end":277.45502,"sentiment":"neutral","sentiment_score":0.05403863787651062},{"text":"So it doesn't matter how much our loan is.","start":277.45502,"end":279.855,"sentiment":"neutral","sentiment_score":-0.018201012578275468},{"text":"It depends on if the rent covers the expenses.","start":279.855,"end":283.23502,"sentiment":"neutral","sentiment_score":0.004222177382972505}],"sentiment":"neutral","sentiment_score":0.006277550983688106,"channel":1,"num_words":23,"start":276.095,"end":283.23502},{"sentences":[{"text":"Yeah.","start":284.145,"end":284.54498,"sentiment":"neutral","sentiment_score":0.07573265582323074},{"text":"So expenses are the interest on the loan that you do have for the property.","start":284.54498,"end":289.04498,"sentiment":"neutral","sentiment_score":0.12131515989700953},{"text":"Your agencies, are you having someone come and do the loans on a regular basis?","start":289.425,"end":294.085,"sentiment":"neutral","sentiment_score":0.07827867890397708},{"text":"So it's looking at the total that your expenditure 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might be negatively geared, some might be positively geared, it could offset itself.","start":375.44498,"end":383.52,"sentiment":"neutral","sentiment_score":0.010924001845220724},{"text":"So looking","start":383.97998,"end":385.1,"sentiment":"neutral","sentiment_score":0.12630753964185715}],"sentiment":"neutral","sentiment_score":0.054355618505117796,"channel":0,"num_words":48,"start":368.965,"end":385.1},{"sentences":[{"text":"Okay.","start":384.875,"end":385.375,"sentiment":"neutral","sentiment_score":0.16758929193019867}],"sentiment":"neutral","sentiment_score":0.16758929193019867,"channel":1,"num_words":1,"start":384.875,"end":385.375},{"sentences":[{"text":"at all the properties, the rent coming in, and all the expenses that you're outlying, and does that cover, you know, does the rent coming in from those properties cover everything you're technically outlaying for those properties, and that helps you to work out whether you're negatively or positively geared.","start":385.1,"end":401.055,"sentiment":"neutral","sentiment_score":0.12271276853978634},{"text":"And, you","start":401.35498,"end":401.755,"sentiment":"neutral","sentiment_score":0.07640127092599869}],"sentiment":"neutral","sentiment_score":0.1209315570931022,"channel":0,"num_words":52,"start":385.1,"end":401.755},{"sentences":[{"text":"Okay.","start":401.61,"end":402.09,"sentiment":"neutral","sentiment_score":0.06159176677465439}],"sentiment":"neutral","sentiment_score":0.06159176677465439,"channel":1,"num_words":1,"start":401.61,"end":402.09},{"sentences":[{"text":"know, if 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you.","start":624.95496,"end":636.05,"sentiment":"neutral","sentiment_score":0.0772626443933218},{"text":"And you were getting a certain amount of rent, what would they charge you?","start":636.43,"end":639.31,"sentiment":"neutral","sentiment_score":0.06556865845673851},{"text":"What percentage would they charge you as a management fee just to kinda give you an idea of what the, outlay of expenditure would look like, and then you","start":639.31,"end":647.235,"sentiment":"neutral","sentiment_score":0.002563437045519722}],"sentiment":"neutral","sentiment_score":0.04921244783833137,"channel":0,"num_words":92,"start":621.675,"end":647.235},{"sentences":[{"text":"Yep.","start":647.23,"end":647.73,"sentiment":"neutral","sentiment_score":0.0036875028163194656}],"sentiment":"neutral","sentiment_score":0.0036875028163194656,"channel":1,"num_words":1,"start":647.23,"end":647.73},{"sentences":[{"text":"can kind of compare that with the other properties you have and then take into account the rent you've got coming in from all the properties and whether that makes your properties negative or positively geared.","start":647.235,"end":657.475,"sentiment":"neutral","sentiment_score":-0.012796291822774543},{"text":"Does that 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you.","start":670.53,"end":671.81,"sentiment":"positive","sentiment_score":0.8075659513473511}],"sentiment":"positive","sentiment_score":0.6536635702306574,"channel":0,"num_words":11,"start":667.33,"end":671.81},{"sentences":[{"text":"Well, let us know if there's anything additional you need.","start":671.81,"end":674.205,"sentiment":"neutral","sentiment_score":0.30992649793624877},{"text":"It sounds like Steve's amazing.","start":674.60504,"end":676.065,"sentiment":"positive","sentiment_score":0.707217812538147},{"text":"I'm so glad that that's working well for you.","start":676.125,"end":678.945,"sentiment":"positive","sentiment_score":0.7127860188484192}],"sentiment":"positive","sentiment_score":0.5437678421537081,"channel":0,"num_words":24,"start":671.81,"end":678.945},{"sentences":[{"text":"Yeah.","start":679.005,"end":679.325,"sentiment":"neutral","sentiment_score":0.2575318515300751},{"text":"No.","start":679.325,"end":679.48505,"sentiment":"neutral","sentiment_score":0.20384609699249268},{"text":"He's been really good so far.","start":679.48505,"end":680.765,"sentiment":"positive","sentiment_score":0.41273627678553265},{"text":"So, yeah, thank you very much for recommending him.","start":680.765,"end":682.86505,"sentiment":"positive","sentiment_score":0.6055936151080661}],"sentiment":"positive","sentiment_score":0.49341989089460936,"channel":1,"num_words":17,"start":679.005,"end":682.86505},{"sentences":[{"text":"Oh, not a problem at 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reckon that would be good, please.","start":709.465,"end":711.005,"sentiment":"neutral","sentiment_score":0.2140433213540486}],"sentiment":"neutral","sentiment_score":0.2140433213540486,"channel":1,"num_words":7,"start":709.465,"end":711.005},{"sentences":[{"text":"Perfect.","start":711.485,"end":711.985,"sentiment":"neutral","sentiment_score":0.19057869911193848},{"text":"Did you want me to maybe make the catch up?","start":712.045,"end":714.365,"sentiment":"neutral","sentiment_score":0.04657865725457668},{"text":"I can get someone to touch base in maybe one, two, three months.","start":714.365,"end":717.19995,"sentiment":"neutral","sentiment_score":0.03868038264604715},{"text":"What would be preferable for you with everything you've got going on at the","start":717.19995,"end":720.82,"sentiment":"neutral","sentiment_score":0.05441490214850221}],"sentiment":"neutral","sentiment_score":0.0505531283193513,"channel":0,"num_words":38,"start":711.485,"end":720.82},{"sentences":[{"text":"Probably three, I would say.","start":721.32,"end":723.26,"sentiment":"neutral","sentiment_score":0.03017631731927395}],"sentiment":"neutral","sentiment_score":0.03017631731927395,"channel":1,"num_words":5,"start":721.32,"end":723.26},{"sentences":[{"text":"moment?","start":723.44,"end":723.76,"sentiment":"neutral","sentiment_score":0.011361848562955856},{"text":"Three months?","start":723.76,"end":724.5,"sentiment":"neutral","sentiment_score":0.01733926124870777},{"text":"Perfect.","start":724.56,"end":725.06,"sentiment":"neutral","sentiment_score":0.1829734593629837}],"sentiment":"neutral","sentiment_score":0.057253457605838776,"channel":0,"num_words":4,"start":723.44,"end":725.06},{"sentences":[{"text":"Yep.","start":724.84,"end":725.34,"sentiment":"neutral","sentiment_score":0.112216018140316}],"sentiment":"neutral","sentiment_score":0.112216018140316,"channel":1,"num_words":1,"start":724.84,"end":725.34},{"sentences":[{"text":"Not a problem at all.","start":725.12,"end":726.07996,"sentiment":"neutral","sentiment_score":0.12012104764580726},{"text":"I'll get my team to touch base in three months just to make a time that we can catch up, see how things are going for you, look at all your assets, what's been changing, look at your position, and then we can kinda go from there and see if there's any further advice to look at.","start":726.07996,"end":738.92505,"sentiment":"neutral","sentiment_score":0.19067347990839104},{"text":"Okay?","start":738.92505,"end":739.42505,"sentiment":"neutral","sentiment_score":0.21184073388576508}],"sentiment":"neutral","sentiment_score":0.18541006868084273,"channel":0,"num_words":63,"start":725.12,"end":739.42505},{"sentences":[{"text":"Awesome.","start":739.925,"end":740.325,"sentiment":"positive","sentiment_score":0.8352649211883545},{"text":"Sounds really good.","start":740.325,"end":741.045,"sentiment":"positive","sentiment_score":0.856430451075236},{"text":"Thank you, Dana.","start":741.045,"end":741.6209,"sentiment":"positive","sentiment_score":0.842869242032369}],"sentiment":"positive","sentiment_score":0.8475948572158813,"channel":1,"num_words":7,"start":739.925,"end":741.6209},{"sentences":[{"text":"That's okay.","start":742.2409,"end":742.96094,"sentiment":"positive","sentiment_score":0.7142524123191833},{"text":"You have a great 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later.","start":747.60095,"end":748.2409,"sentiment":"positive","sentiment_score":0.366093377272288},{"text":"Bye.","start":748.2409,"end":748.7409,"sentiment":"neutral","sentiment_score":-0.11014113575220108}],"sentiment":"neutral","sentiment_score":0.24703474901616573,"channel":0,"num_words":4,"start":747.60095,"end":748.7409}]},"summary":{"result":"success","short":"A customer named Laura speaks with an agent named Dana about selling a property and purchasing a new one to save money on taxes and allow for negative gearing. The agent advises Laura to focus on the new build side of things and work with her broker to determine whether the property is negatively or gateway geared. The agent explains that the property is not considered negatively or gateway and that expenses are included in the total cost. The agent suggests looking at the property's monthly rent to determine whether it is positive or negative and offers to set up a follow-up call to discuss further advice."},"intents":{"segments":[{"text":"We've got one property that we lived in, Yes. Mhmm. and because of that, it's now at the 6 Year mark where he suggested that we could sell that property and see exempt from the capital gains tax.","start_word":79,"end_word":116,"intents":[{"intent":"Sell property","confidence_score":0.59636605}]},{"text":"We've got one property that we lived in, Yes. Mhmm. and because of that, it's now at the 6 Year mark where he suggested that we could sell that property and see exempt from the capital gains tax. Yep. And so we're looking at doing that, but what we're wanting to do is looking at selling that property and then purchasing a like, a new because we still want the money invested. A Yeah.","start_word":79,"end_word":152,"intents":[{"intent":"Discuss investment options","confidence_score":0.1463096}]},{"text":"I mean, honestly, it's not in any way, shape, or form a bad idea because with, obviously, the new legislation coming into play in order for you to access negative gearing, which is something that you guys would obviously if the property isn't generating enough income to, you know, be neutrally or positively geared, you would benefit from from sort of a tax point of view. Yep.","start_word":214,"end_word":280,"intents":[{"intent":"Discuss negative gearing","confidence_score":0.08620941},{"intent":"Discuss tax benefit","confidence_score":0.0199143}]},{"text":"Get the best of selling the property. Selling the one that is that was your main primary residence does mean you are exempt for the CGT consequences, which is a good thing. It means that, you know, less tax to pay and say you end up with more in your back pocket after the sale. And Yep.","start_word":405,"end_word":461,"intents":[{"intent":"Sell property","confidence_score":0.0009998471},{"intent":"Focus on selling house","confidence_score":0.00023431377}]},{"text":"It means that, you know, less tax to pay and say you end up with more in your back pocket after the sale. And Yep.","start_word":437,"end_word":461,"intents":[{"intent":"Reduce tax payments","confidence_score":0.00439639}]},{"text":"wondering whether it would actually be negatively geared or not or whether we should speak to our broker and maybe or even I don't know if you would be able to suggest it or probably see from Goldshore if we were to put the money across the different accounts sitting in a different offset so that it wasn't positively geared. Does that make Yes. sense?","start_word":569,"end_word":633,"intents":[{"intent":"Speak to broker","confidence_score":0.1678916}]},{"text":"So, realistically, you when you think about negatively gearing and or positively gearing a property, you wanna look at your total cost. So is the money going to buy the the property outright, but then is the rent coming in gonna cover all your other expenditure?","start_word":636,"end_word":681,"intents":[{"intent":"Determine dollar spent","confidence_score":0.00010880891}]},{"text":"So expenses are the interest on the loan that you do have for the property.","start_word":858,"end_word":872,"intents":[{"intent":"Clarify rental interest","confidence_score":0.00003130713}]},{"text":"The other thing that Alright.","start_word":1131,"end_word":1135,"intents":[{"intent":"Evaluate property dynamics","confidence_score":0.0016580254}]},{"text":"mortgage doesn't go to whether like, does that expense say, your mortgage is at $500 a week. Does that Mhmm.","start_word":1379,"end_word":1398,"intents":[{"intent":"Analyze mortgage expenses","confidence_score":0.1439134}]},{"text":"What percentage would they charge you as a management fee just to kinda give you an idea of what the, outlay of expenditure would look like, and then you Yep. can kind of compare that with the other properties you have and then take into account the rent you've got coming in from all the properties and whether that makes your properties negative or positively geared. Does that make Okay.","start_word":2020,"end_word":2089,"intents":[{"intent":"Analyze expenditure","confidence_score":0.0029316156}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Dana. Hey, It's Laura Griffin. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.18980716168880463},{"text":"I'm good. Thank you.","start_word":12,"end_word":15,"sentiment":"positive","sentiment_score":0.5565739870071411},{"text":"How are you, Laura?","start_word":16,"end_word":19,"sentiment":"neutral","sentiment_score":0.23771171271800995},{"text":"Good. Thank you.","start_word":20,"end_word":22,"sentiment":"positive","sentiment_score":0.45613929629325867},{"text":"What can I help I'm you with? well, I've been speaking to we just changed off. Sorry. You're probably gonna hear the radio. I'm just driving in the car at work. You're right. You know how you suggested Steve from Goldshore accounting? So we've now engaged with him, and he has suggested to us the option. We've got one property that we lived in, Yes. Mhmm. and because of that, it's now at the 6 Year mark where he suggested that we could sell that property and see exempt from the capital gains tax. Yep. And so we're looking at doing that, but what we're wanting to do is looking at selling that property and then purchasing a like, a new because we still want the money invested. A Yeah. like, a house and land package so that it's a new build, so you got the other benefits from that. But he suggested Yep. speaking to you first to see whether you thought this was a good idea or not. Yeah. Yeah. Definitely. So the the house and land package, that would essentially be an investment as well. Yes. Yep. Yeah. I mean, honestly, it's not in any way, shape, or form a bad idea because with, obviously, the new legislation coming into play in order for you to access negative gearing, which is something that you guys would obviously if the property isn't generating enough income to, you know, be neutrally or positively geared, you would benefit from from sort of a tax point of view. Yep.","start_word":23,"end_word":280,"sentiment":"neutral","sentiment_score":0.034449707716703415},{"text":"And being able to sell that one property does save you in CGT.","start_word":281,"end_word":293,"sentiment":"positive","sentiment_score":0.443327933549881},{"text":"So it's not in any way, shape, or form a bad idea.","start_word":294,"end_word":305,"sentiment":"neutral","sentiment_score":0.2596832513809204},{"text":"It does work for you as long as it works with your goals. So just making sure that that purchasing the house and land package is gonna work for you, that the area is suitable, and looking at sort of how long that would take to obviously be built, making sure that you could get the property built with no issues, and Yep.","start_word":306,"end_word":368,"sentiment":"positive","sentiment_score":0.38629703956937034},{"text":"then sort of what rental income that would look like for you.","start_word":369,"end_word":380,"sentiment":"neutral","sentiment_score":0.24030554294586184},{"text":"But in all honesty, he's made a really good suggestion.","start_word":381,"end_word":390,"sentiment":"positive","sentiment_score":0.5901743769645691},{"text":"Yeah. In theory, Yes.","start_word":391,"end_word":394,"sentiment":"neutral","sentiment_score":0.21834854781627655},{"text":"just Perfect.","start_word":395,"end_word":396,"sentiment":"positive","sentiment_score":0.3685003221035004},{"text":"general advice wise, to try and limit yeah.","start_word":397,"end_word":404,"sentiment":"neutral","sentiment_score":0.24753861129283905},{"text":"Get the best of selling the property. Selling the one that is that was your main primary residence does mean you are exempt for the CGT consequences, which is a good thing. It means that, you know, less tax to pay and say you end up with more in your back pocket after the sale.","start_word":405,"end_word":459,"sentiment":"positive","sentiment_score":0.4817391037940979},{"text":"And Yep. then, yeah, in order to kind of take advantage of the tax with the new legislation, unfortunately, has just passed, in order for investors to take advantage of that to negatively get and or get access to the 50% CGT, we do have to focus on the new build side of things. So yeah. Yep. Okay. Cool. Yeah. With the house that we are selling, so the one that Yes. we did live in, we have actually got that mortgage now sitting at zero. Okay. So we would have all the cash from the sale to be able to put towards the house. So I'm just Yep. wondering whether it would actually be negatively geared or not or whether we should speak to our broker and maybe or even I don't know if you would be able to suggest it or probably see from Goldshore if we were to put the money across the different accounts sitting in a different offset so that it wasn't positively geared. Does that make Yes. sense? Yeah. Yeah. So, realistically, you when you think about negatively gearing and or positively gearing a property, you wanna look at your total cost. So is the money going to buy the the property outright, but then is the rent coming in gonna cover all your other expenditure? So thinking about, agencies, if you're gonna have a a property agent looking after it, what's the rent gonna look like coming in on a regular basis? Are you still gonna have a loan on that property in any form, and is, you know, the rent's gonna cover all of those expenses that you have to pay on a regular basis.","start_word":460,"end_word":742,"sentiment":"neutral","sentiment_score":-0.03514490946600799},{"text":"If the rent coming in doesn't cover all of that, then the property will be negatively geared, and you'll Yes.","start_word":743,"end_word":762,"sentiment":"negative","sentiment_score":-0.4588889479637146},{"text":"still get Right. those sorts of benefits. If the rent does cover all of your regular expenditure each year, that's when, the the property isn't sorry, neutrally or positively geared. So it's more less about just the property like, buying the property itself, more about all the expenses that you have to outlay on a regular basis to keep the property going and what you have coming in. Okay. So Yeah. just so I understood that. So it doesn't matter how much our loan is. It depends on if the rent covers the expenses. Yeah. So expenses are the interest on the loan that you do have for the property. Your agencies, are you having someone come and do the loans on a regular basis? So it's looking at the total that your expenditure out. So as an example, on my investment property, I have an agent who looks after the who looks after and collects the rent there for me. Therefore, I pay him a a fee for doing that. That comes out of the rent that I received from the property. Yep. I have the interest on my loan, my investment loan for the property. I also have, you know, someone who goes and mows the lawns once every sort of month or so just to keep the prop the lawns cut down. So all of those regular expenses plus rates plus insurances on the property as a landlord sometimes having insurances to cover your whatever you own in the property, the main building insurance and or contents that you hold in the property, like, say, your air conditioner or your oven and things like that, plus all of your, like, state costs. So thinking Yes. like, yeah, your regular fees that you pay on a yearly your rate, sorry, is the word I'm thinking of. So all of those sorts of expenses are all sort of pulled together at tax time, and that's all Yep. your total expenditure for the property. And then to work out whether property is negatively positive or neutrally geared, they look at the rent coming in, how much you're making from that property, and then does that cover the expenses. The other thing that Alright. Steve might look at is all of your properties. So if you've got like, because you guys have got a few properties. If all of your properties together might be neutrally geared, some might be negatively geared, some might be positively geared, it could offset itself. So looking Okay. at all the properties, the rent coming in, and all the expenses that you're outlying, and does that cover, you know, does the rent coming in from those properties cover everything you're technically outlaying for those properties, and that helps you to work out whether you're negatively or positively geared. And, you Okay. know, if you Cool. under yeah. And, honestly, that's something that Steve will be able to look at for you because, as an accountant, he'll be able to assess, you know, average market rates on, you know, rents coming in, things going out, and maybe look at all the properties that you do have as part of your tax return process, and just sort of seeing, you know, if you got, say, you know, 4 or $500 per week for this property and your loan was such and such, you were outlying this much.","start_word":763,"end_word":1331,"sentiment":"neutral","sentiment_score":0.1050499574476051},{"text":"Does that make it negatively or positively geared?","start_word":1332,"end_word":1339,"sentiment":"negative","sentiment_score":-0.4495587050914765},{"text":"And that compared to your other properties, does it make you overall from all the properties negatively, positive, or naturally geared? And that's one thing to sort of look at. Yep. So just to so I'm understanding, your Yes. mortgage doesn't go to whether like, does that expense say, your mortgage is at $500 a week. Does that Mhmm. determine is that part of the expenses or no? Only part of it. So, essentially, when with your investment loan, only the interest you pay on the loan is considered tax deductible. So your principal isn't, so it's only the interest. That's why a lot of investors have interest only loans. They pay the Right. interest back, and then they yeah. The the principal when the interest only loan period Yes. finishes, normally, like, five or ten years, then you start paying the principal back because the interest Oh, on okay. the loan is tax deductible, and that's essentially one of the expenses that you're paying. Right. So I think I must have, this entire time, not understood how that worked then. Because I just assumed that, like, if you rent you know, if you had your rent and then you had to cover your mortgage plus all your expenses, and that was how it was determined. But no. Mhmm. Yeah. No. So they all your expenses are everything that you have to outlay. One of the big things with property is that you're continuously paying all your bills on a regular basis. I know some properties like my property my kids live in. So, you know, they pay rent and everything, and I have those extra expenses, but I also cover their electricity bill for them, and they cover that as part of the rent. So, you know, you pay your rate, your interest on your loan every month because you still gotta make regular payments into the loan to cover to to be paying Yep. it down or covering the interest payments. Your rates, your insurances, if you're having someone come and do the lawns, if you then gotta have, you know, landlord's insurance or contents insurance or something on the property to cover, all of those are your expenditure, and then that's also including the interest on the loan. And those are Yeah. the expenses Okay. that are also seen as tax deductible. Yeah. Okay.","start_word":1340,"end_word":1736,"sentiment":"neutral","sentiment_score":-0.028139055028595313},{"text":"Cool. Alright. Awesome. So okay. So it it pretty much is a good idea then.","start_word":1737,"end_word":1751,"sentiment":"positive","sentiment_score":0.5658001899719238},{"text":"Yeah. Yeah. And then I'll just speak to Steve on how to set it all up. Okay. Cool. Okay. Yeah. Yeah. Just get him to have a look at how all the properties are running at the moment. And maybe when you're looking at a property to build, get an estimate on how much rent you should be able to receive from that property once it is fully built, Yep. find out what the loan looks like, what the repayments look like, the drawdowns. Because it is a new build, you're generally looking at construction loans, so they have regular drawdown periods. And to get Yep. through each period, the property has to be assessed, evaluated. They have to prove to the bank that that that part of the construction has been completed before they get the next drawdown to start the next part of construction. Yep. Construction loans are quite fun and also to crazy. So finding out how the construction loan is gonna work, when it becomes interest and principal if you're gonna do it that way. Because normally, when you have a construction loan, they organize it to be interest only for the first part of construction. And then when Yep. you get the keys, it often becomes principal and interest. Looking at what the interest payments might look like, looking at the rent that you might be expected to pay, and just double finding out from, like, local agents if they were to look after the property for you. And you were getting a certain amount of rent, what would they charge you? What percentage would they charge you as a management fee just to kinda give you an idea of what the, outlay of expenditure would look like, and then you Yep. can kind of compare that with the other properties you have and then take into account the rent you've got coming in from all the properties and whether that makes your properties negative or positively geared. Does that make Okay. sense? Cool. Yes. It does. Yeah.","start_word":1752,"end_word":2094,"sentiment":"neutral","sentiment_score":0.05883916187216867},{"text":"Awesome.","start_word":2095,"end_word":2095,"sentiment":"positive","sentiment_score":0.42049479484558105},{"text":"Okay.","start_word":2096,"end_word":2096,"sentiment":"neutral","sentiment_score":0.2601890563964844},{"text":"Cool. Thank you very Oh much. god. I so appreciate your help.","start_word":2097,"end_word":2108,"sentiment":"positive","sentiment_score":0.5642764568328857},{"text":"I'll Oh, go back that's to okay. see them.","start_word":2109,"end_word":2117,"sentiment":"neutral","sentiment_score":0.2415483295917511},{"text":"We'll start doing it. I'm excited, actually.","start_word":2118,"end_word":2124,"sentiment":"positive","sentiment_score":0.4896862506866455},{"text":"Yeah. Yeah.","start_word":2125,"end_word":2126,"sentiment":"neutral","sentiment_score":0.3152065873146057},{"text":"No. That's really excellent. I'm so happy for you.","start_word":2127,"end_word":2135,"sentiment":"positive","sentiment_score":0.7124717235565186},{"text":"Well, let us know if there's anything additional you need.","start_word":2136,"end_word":2145,"sentiment":"neutral","sentiment_score":0.30207228660583496},{"text":"It sounds like Steve's amazing. I'm so glad that that's working well for you.","start_word":2146,"end_word":2159,"sentiment":"positive","sentiment_score":0.7143831253051758},{"text":"Yeah. No.","start_word":2160,"end_word":2161,"sentiment":"neutral","sentiment_score":0.23068897426128387},{"text":"He's been really good so far. So, yeah, thank you very much for recommending him.","start_word":2162,"end_word":2176,"sentiment":"positive","sentiment_score":0.5078868269920349},{"text":"Oh, not a problem at all. Easy. Did you still wanna do a bit of a touch base in a few months or you know, in a few weeks or a few months to sort of look at additional advice for you guys, or are you happy just to see how things go with what's happening now at the moment? Or It probably I reckon it probably would be good to catch up again because then we can see whether we have definitely processed with this, what stage we're at, Yep. And, yes, these are aligning with what we actually want to achieve with life. Yeah. Yeah. So Absolutely. I reckon that would be good, please. Perfect. Did you want me to maybe make the catch up? I can get someone to touch base in maybe one, two, three months. What would be preferable for you with everything you've got going on at the Probably three, I would say. moment? Three months? Perfect. Yep. Not a problem at all. I'll get my team to touch base in three months just to make a time that we can catch up, see how things are going for you, look at all your assets, what's been changing, look at your position, and then we can kinda go from there and see if there's any further advice to look at. Okay?","start_word":2177,"end_word":2403,"sentiment":"neutral","sentiment_score":0.10930331077607192},{"text":"Awesome. Sounds really good. Thank you, Dana. That's okay. You have a great day. Thank you so much, Laura. No worries at all. You too.","start_word":2404,"end_word":2428,"sentiment":"positive","sentiment_score":0.7454453110694885},{"text":"Bye.","start_word":2429,"end_word":2429,"sentiment":"neutral","sentiment_score":0.32858413457870483},{"text":"See you later.","start_word":2430,"end_word":2432,"sentiment":"positive","sentiment_score":0.3653234839439392},{"text":"Bye.","start_word":2433,"end_word":2433,"sentiment":"neutral","sentiment_score":0.19842365384101868}],"average":{"sentiment":"neutral","sentiment_score":0.0974017998988582}}}}