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And and I guess majority of the questions that you asked is is, I guess, really relevant to the advice that just I think if I explain it a little bit, it'll make a little bit more sense. So in the advice document, you oh, oh, sorry. Is that better better? I was I'm I'm still half asleep too. No. No. That's okay. So the the advice has two different stages. So there's stage one, which is before the house sells, and then there's stage two after the house sells. So stage one is obviously we hit retirement. And what I wanna do is I want to basically get you a month's worth of your income need by the April 1. So that way, you are comfortable. So that way, you're not gonna go without an in an income. So what I did was I took the $1,500 a week that you wanted and then times it by 4.33. So that way, it's an average of what we would get over a a month, an average month. And we'll withdraw basically $6,495 per month. Now because pension accounts take time to set up, and we can't set them up until basically the after you retire. So today would be the earliest day that I could set this account up. I know, and it's so exciting. So the withdrawal, I wanna do from your accumulation fund, which we can do. It there's nothing there's nothing stopping us from doing it. But it's just a one one off ad hoc withdrawal to basically service you income wise for the month while all of the other little bits and pieces get set up. So that's that payment that will get out to you basically before we trigger anything else. So if you sign today, I will process that payment, and you'll have it within a few days. The next thing I wanna do so one of the one of the things you raised with me was a concern because your daughters are the recipient of your funds, if anything were to happen to you, is I want to do what's called a cash out recontribution. Now with most super funds yes. Sorry? Correct. Yes. So with most super funds like Australian Super, if you wanted to do this with Australian Super, you would have to actually cash it out into your bank account and then pay it back in, which means you're selling down assets, you're out of the market, you know, you have your buy sell costs, all the rest of it. With Hub 24, because it's a retail and intuitive platform, we can actually just it it's it's like it's like it's just like a a little bit of a popover. So it stays within the fund. Correct. So what happens is the money will, like, leave your super fund. A investment account will be created and opened. It'll exist for all of twenty minutes. The money will sit in that account for all of twenty minutes, and then the money goes back over to your super account. And what happens is that money converts from taxable into tax free. So it's gonna convert your account from I did the math on this. It's your account's currently sitting at it's, like, $80.80 no. It's, like, $70.30. Your account's sitting at, like, 70% taxable and about 30% tax free, and it moves you into having a little bit over 50% tax free. So you're sitting a lot more even in terms of your tax free component and sitting a lot better. What that does is that you utilizes the entirety of your cap of non concessional contributions to this financial year, which means that you cannot put any more money in nonconcessionally into your super fund. Your work stuff doesn't count, so your work can still contribute. That's fine. Correct. Because then what yes. Yeah. Correct. And then what we're gonna do is then that's why as of the July 1 when the financial year rolled over, because I know that you're looking at June as a sale date, and I was like, well, worst case scenario, it's gonna sit in your bank for a couple of weeks, that the money can then be paid in. And what we can do is we can put up to 360,000 because we can do what's called a carry forward where we use that financial year plus the next two financial years to put money in. Obviously yes. So it's going forward with the nonconcessional. So you actually take from the next two years, which is why we need to wait. If dad passes away soon, we're a little bit locked out. We'd still have a little bit of wiggle room. So because you still have like, if we only put two seventy in, we're allowed up to three sixty. So we could still put a little bit in because we still have a little bit of that cap left, but it would depend on what dad's estate looks like. It would depend on yep. Okay. Alright. So it's not and we'd still have some room. We could pop some in. It would just be maybe we set up a little bit of an investment account or we do something else on the side. So that's why we're we're sort of bridging that gap. Anyway, back to stage one. So once we do that cash out retribution, that makes things a little bit better for the kids if anything happens to you. Then we set up the pension account. So all of that has to happen before we set up the pension account. Then once the pension account is set up, that gives you your your annual ongoing or your monthly, sorry, ongoing income. So it'll take a little bit for every all the other stages to happen, which is why I'm doing that immediate cash out because I don't want you to be with that income first, and then we set up the ongoing monthly payments. Stage one. You've already canceled your TPD insurance, 100 percent. Definitely do it. That's so that's good. That that hits us to the end of the financial year. So we would just keep paying things. You and I would keep in contact. And once you turn around and say the house is sold, it settled on this date, I would go fantastic. It would give me a time frame. So if if the house, for argument, say, didn't end up settling until July 20, then I we have a we have a time frame. Once the house settles, what I will do is I will trigger a rollover of AustralianSuper and close that account. Closing that account will also see the cancellation of that insurance policy. Now you're more than welcome to call them. We can also send them a letter to cancel it. But and cancel it. Yeah. Yep. Yep. Perfect. So if you if you wanna still do that the day the house settles, then you're more than welcome to do that. But, basically, the day after the settlement happens, I will trigger a rollover and request that the Australian super account is closed. And that money will go into a brand new super account that's set up under hub 24. So be it'll just be the day that the house settles, basically. So if the house does settle, you know, May or if it settles, you know, June, I'll trigger it the day the house sells. We're only holding a pension account. Yep. So what I will do is I will set up a brand new accumulation account under Hub twenty four to exist for just the pure purpose of being able to deposit all the money in. That account will exist for the time period of receiving the funds from the house settlement. So whether that be 300,000 or $2.70, whichever it ends up, and receiving the money from this the Australian Superfund. Once both of those amounts settle in that account, I'll do what's called a pension refresh. So it's where you take the money that's sitting in the pension account. It goes bloop over to the accumulation account, picks up all the money that's in the accumulation account, and then it goes back into a new newer pension account. And then that gets set up with your income stream as well. Yes. No. So when it's in so the current assets that you're invested in, I had a look at them, and you you've only just had an investment change that you and Tommy did late last year. I had a look at the assets that you're holding, and I was comfortable and happy with where those assets sat. I didn't see a need to make any changes to those holdings. Yes. Yeah. Yeah. Yeah. So that's that's all like, I'm comfortable with where they sit. So at no point is the money that you hold now, like, the the the the the few $100,000 that that's in the account now, I'm not selling any of that money except to pay you into your bank account. The money that sits there with all of the movements between the account, it happens in species, which means that it doesn't sell down. It's just literally a big claw comes down, grabs it as a bundle, and just moves it straight over into another bucket. It doesn't sell anything. It doesn't have to move as a cash. It it stays invested, which is way more beneficial. Now yes. Yeah. CGT and all the rest of it. No. None of that's happening. So the one thing that does happen, obviously, when you pay money into the account, so when Australian AustralianSuper is gonna have to sell down. It's gonna have to sell down to cash to move over to a new trustee. That does have to happen. Once that happens and the money lands, Hub twenty four is intuitive. So what happens is within Hub twenty four, rather than going to market, Hub twenty four will actually migrate if so let's just say, like, there are trillions of dollars under Hub twenty four. Okay? And what will happen is on any given night when all of the trades are placed, Hub twenty four system will actually match up people that are trying to buy and sell. So you have cash. You're looking to buy. So it has its own mini mini market running. And the actual market within Hub twenty four will go, oh, well, this person over here is selling, you know, IJP shares, and this person has cash. We're just gonna swap them. And this person over here is doing this, and we're gonna swap them. And so it intuitively swaps assets that Hub twenty four already holds that are moving within its own system rather than go direct to market and incur brokerage costs. So Yeah. Then you may have to go to market, but I've been doing this for years, and I've been, like, I've I've been in the industry for years, ten years, actually. And I've been using Hub twenty four for six of those. And, really, honestly, like, out of the six years, I've looked at people's accounts, and I've and it's not thousands of dollars worth of brokerage over, you know, five or six years worth of the account being open. It's, like, 2 to $300 over a five year span. So it just goes to show that, like, they're not going to market much. It's minimal market cost. So you said mhmm. Yeah. So I I basically I I will open the I will open the account as soon as the house sells so I can roll over AustralianSuper. But the caveat is is that you will not deposit money into that account until after the July 1. Correct. Yes. Yeah. The rollover can go in because that's a rollover that doesn't that doesn't contravene the non concessional rules. That's fine. So you said that the van cost was gonna go up by about $30 and that you were therefore, under the, like, under the assumption that you may only be able to put about $2.70 in. I'm comfortable leaving the figures as they are, and you and I just communicate. And we just communicate. And at the time that the house sells, I'll do an update to the document for stage two to show, you know, well, now based on the actual sale price, once we've paid the real estate and we've paid off the mortgage and we've which also I can't believe I got the mortgage. So very wrong. Right numbers. Wrong order. Yeah. No. That's so fine. It was just funny. So yeah. So if because if the house sells for a little bit more, then the figures are gonna be off anyway. Like, the van is obviously what the van's gonna cost. You have that confirmed. So it's just the house could sell for more. You could get a really good offer in. Yeah. So no. We we can. Oh, the sick oh, the oh, yeah. The $6.04 $9.05. So we can sell, like, according to losses, and then, like, we can go, like, loss one month and a gain one month, or we can go CGT conscious to try and get CGT zero. Well, I mean, you're in a pension account, so not really relevant. But the biggest part is is that it'll end up putting you into an unbalanced position over the long term. Yeah. Because and then you'll you'll be a little bit skew with what's the word? I haven't used it long time. You'll you'll end up being My mother would be proud. Yeah. So you'll end up being a little bit off off kilter with respect to the balance of of all of your assets, and your returns aren't gonna be the same. Correct. Yeah. If it gets too far out too far out, it'll it'll get it'll get rebalanced. Very, very much. Yeah. No. I I am very, very, very much confident in them. The, like, gold prices have have shifted as well. They were doing fantastically, and and then, you know, so so silver took a massive dive. I am very much confident in terms of long term outcomes, which is why I'm comfortable to hold. But at the same time, as we shift through, if there is anything that we wanna do little tweaks to, I will. And I'll just I'll call you up and say, hey. I don't like this anymore. We're just gonna we're just gonna tweak. We're gonna we're just gonna do a little shift. Where and what cash? Like, strategies? Yep. Is it, like, make a non concessional contribution? You'll have 30,000 less in your cash flow. The cash account will not generate a high return compared to your other investments. Well, the 300,000 will be in the cash account for all of a couple of days until it invest. Yes. Yeah. So once so, basically, like like I said, so the money has the the 300,000 or the the the proceeds from the house sale have to be paid into the accumulation account that I set up. That accumulation account will be open for as long as it takes for the cash to settle, which realistically should be forty eight hours, nothing less. So once it leaves your account, it'll hit Hub twenty four pretty quickly within twenty four to forty eight. It takes Hub twenty four less than twenty four hours to allocate it to your account because what if they have to wait for the funds to clear in their account first. And then once it hits your account and it's available, I can then do that refresh. So it's only gonna be in cash in that account. It'll earn an interest rate the same as what your bank account's basically earning. So it's not gonna be much to muchness difference. It just is gonna be in the account. And then once I do that, the bloop bloop from the pension, pull everything because the pension account has to close. So the pension account will close. It'll go over to the accumulation account, pick everything up, brand new pension account, brand new setup with all of the new contribute pension withdrawal amounts and everything like that. Yep. Now because we're gonna have so many accounts open for such a short period of time, what I wanna do, and if you're comfortable with it, is hold off on submitting any beneficiary nomination forms until the end. Or the other option is is that we can submit one for every single new account that we open. I'm comfortable with whatever you're comfortable with, but you're yes. Because it's a it's attached to your account. New account, new beneficiary form. So I I'll send I'll send you the the forms out. That's nice and easy. I'll make sure that they're all sent out to you and the girl's details. They are. Yes. I mean, I can email it to you. You can print it. You can get it signed. So we can do it pretty quickly. But, yeah, once it's once it's like like, once the final pension account's set up, that's that's the one we're gonna roll with for long term. But, obviously, you're gonna have two other accounts set up in a small little interim period. Hub twenty four as a base have a a state allocation. So that means that if anything were to happen, they would direct the funds to your estate. So if you don't have a beneficiary on either of those accounts and something happened to you, it's an estate nomination. Yeah. So we can we can we I can I can I can email you the form so that way you have it? I can fill out all the details except for the account number, and I just email you saying, hey. Account number, this has been opened. Do you wanna fill out the form? You fill out the form, and we then we submit it to make it pretty easy. So the $4.09 50, you paid that once to set everything up. Oh, what is? Yes. That was yeah. Advise fee. Yep. So the annual advice fee obviously keeps going. With the pension, it's so $1,500 is what we charge to set up a full pension account because of the complexities of the the setup, the migration, the, you know, the timing of everything, making sure that everything is happening in in time and and in line with what you need, it's it's very administratively heavy. So we need to obviously make sure that we can keep our lights on and keep going with everything that we're doing. So we do charge that fee. If you're comfortable, you can pay for it out of pocket rather than the super fund. Yep. Yep. No. No. You're not you're not paying it twice. Not at all. Not at all. No. It's I I know that it's reiterated twice in the document, and it's re it's Mhmm. No. It's capped at $9.09. Your $4.09 $5.00, that's the that's the on that that's our initial fee cap. Yeah. Yes. Oakview. Correct. The 10 k, that's our ongoing advice fee. The 1.65%. Because you you currently pay 1.65% in an ongoing advice fee. 9,900. It it ends up being a like, because you the like, it would end up being less than 1.65% because it's capped. Yep. The cap is 600,000 in terms of balance. Yep. But the good thing is is you have full access to myself or Tommy as well to be able to assist you with any questions and anything. And I'm gonna be very, very much on top of making sure that everything goes very smoothly throughout the whole implementation of this to make sure that you get the most out of everything. And then I'm here to hold your hand when we hit 67, and we can jump straight into Social Security as well and and getting Social Security benefits. I can help you fill out all the forms for it and everything like that. So I had I I did have a look at Social Security. You could look at going on JobSeeker. You'd need to wait a couple of months to apply because you voluntarily resigned. So you could choose to, like, leave work and and sorry. You could choose to, oh, apply. Medically, you wouldn't get an exemption because you're you're a healthy woman. So it does mean that they're gonna have a work requirement of you, which means that you're gonna have to apply for jobs. You're gonna have to meet with, like I call them work counselors. I'm sure they have another name for them, but people that try and set people up with jobs. And you, like, you may have to volunteer stuff like that. So it's going to really impact on your your life and travel plans. So it becomes a little bit painful in that area, but it's definitely still an avenue you could explore. But it's not one that I see as being an easy avenue for you and for your retirement. S s o statement advice. S o a. Yeah. You don't have to you don't have to print it. You can print it if you want to. We're actually able to sign it on the computer if you're comfortable to do so. It's weird. You can you can definitely print it. If you'd like, I can email it to you so it's a bit easier for you to print. I can email it all to you, and you can sign it. There's a few pages to sign on the application form for Hub 24. Yep. Yeah. Definitely. Can you do me a favor? While we're on the phone, your bank account details, are you a 100% okay. Fantastic. I'm just always really cautious. So what I'll do is I'll email you the do you want just the print pay the the pages to sign? Yes. If you click on sign documents, you can sign it through there. Yeah. Yeah. It's just the the last pages. So there's I mean, some of them are, like, the second last pages, but yeah. No. It's fine. It's it's it's they're nominal. Like, I'm not concerned about the mortgage is gonna be cleared out anyway. So if it's $2.00 9 or $2.90, still can't believe I did that. It's fine, and we'll update things and touch base when the house sells anyway. Because if the house sells for more, then things might change there. You're on choice. That's the that's the menu option for hub twenty four. They have three different menus. Each of the menus have different investment options. Yeah. It's the one that has the the largest investment offerings. Yes. No. We just may do an update later depending on what they have sales for. Okay. I will I will email you the pages, and I can just email you the the print pages. No. That's okay. Absolutely. Oh, yes. So so because because we're doing the cash out retontribution of the 120, we talked about possibly converting some of the money into concessional to save you on tax depending on how your income like, your return goes. Normally, I could say with certainty, do it for this amount. But because your your income's 40,000 and then you've got your 16,000 of fringe benefits, and you said you had between 7 and 8,000 you could claim on, you're already sitting pretty low in the tax brackets. I didn't think there was anything too much that we could do in that realm. So I just I recommend, like, go to when you sit down with your accountant, just let them know, hey. I've put a $120,000 into my super fund this year. Should I claim any of it and do a word of intent and and convert it from nonconcessional into concessional and save on tax? Is there anything we can do to save more tax personally? So it's just it's a conversation with your accountant. So it's not something I can tell you a figure on. Normally, I would, but your income's in that weird bracket. As as concessional. So is there anything that we should claim concessionally and save on tax? I don't think there's going to be, to be completely honest, but it's still a good conversation to have with your accountant. And when you meet with your accountant, I'm more than happy if you wanna give me a call when you're in the room with the accountant. Yep. Yeah. Yeah. Well, I'm happy that if if when you go to do tax time, I can send an email to to outline things, and you can just include that email and and send it off to the accountant, and the accountant's able to come back to me. It it'll be the accountant will basically do your tax return. At the end of the tax return, they'll be like, oh, well, we could we could claim the money that you've put into your super fund. And what will happen is the money you put into your super fund, the $1.20, we submit what is called a notice of intention to claim or vary a contribution as a deduction, or we just call it notice of intent because the name is ridiculous. And what happens is you write a specific amount down and you convert that from non concessional into concessional, which means that the super fund pays 15% tax, and then you get to claim that amount back on your tax return. So it only really works if you're gonna you're intending on paying less than 50, more than 15% tax personally because, otherwise, you're paying 15% tax in the super funds and less personally. So it only works out if the numbers work out. Correct. You still there? Oh, there you are. I'm not adjusting anything. Oh, like because car like, currently, your fund has, like, 28.4% sitting in, like, iShares S and P, and then there's, like, 20.4% sitting in data shares, but I'm gonna have it at thirty and twenty respectively. So the the numbers are a little bit off in terms of, you know, you hold slightly higher in some of the assets than what I would Yep. Right. Yes. Okay. No. No. You're okay. Yeah. No. No. No. That's so fine. Okay. Now that I understand. So risk profile wise, we we set parameters for what like, in each risk profile, what we aim to sort of hit. In terms of where we're currently sitting, I am sitting a little bit heavier in internationally than what I am Australian equities wise, and that's just because the international has the better cushion than what the Australian does. As markets move and and transition, we may ebb the other way. But right this second, the international just has the the better the cushion for the market doing what it's doing. Yeah. No. That's okay. So you have BHYB. You have IAF. They are both alternative assets. So in the risk profile, we look to have, you know, like, between, basically, 20% sitting defensively, but we have a variance of, like, 10% either either way. So as the market moves, we may kind of move a little bit more heavily into defensive assets, and we can have a variance within that risk profile of 10% leeway within each of those positions. So for, like, the defense of assets, we're hitting pretty much the on point. We don't have any fixed interest in the portfolio when, obviously, we're not aiming to have any cash. The account itself will have about 1.2% cash. It always has 1.2 percent cash in the cash account. But outside of that, we're not looking to have anything else. No. That's okay. Okay. Yes. I emailed you, and then I realized that an email and a text is two different things, so I text you as well. No. You're fine. And what I'll do is I'll I'll literally I'll I'll pull the pages out, and I'll I'll email them through to you. I lied. It's actually my day off. I'm gonna get someone else to email them through to you. So It's fine. I'm I'm online. So what I'll do is I'll email my team and get my team to email you the pages that you need. Okay? Do not apologize at all. I am so happy to have been able to solve it all and get all the questions answered. It was my choice to allow a call today, so it's fine. Just know that I'm still in my pajama pants. No. My pleasure. Yeah. Just reply straight to the to who sent it to you, and they will start the administration. They'll be in touch with me today, and I'll just make sure that everything gets triggered the way it needs to. The one thing I haven't told you, which I do need to, is your bank account details. Because they've never been applied to the account before, you will get a call from Hub twenty four within the next couple of days to verify them. Okay? So yes. Yeah. Very, very much normal. Just a security measure to make sure that the bank account details are correct and everything's fine. Okay. I normally know before they even try and call you anyway. So I'll just I'll literally email you, text you, call you, and say, hey. They wanna verify details. You can call them on this number, and it's this reference number that you need a quote. That way you can do the reaching out rather than waiting for them. It's quicker that way. That's okay. My pleasure. That's okay. I'll talk to you soon, Carol. 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morning, Carol. How are you going? No. That's okay. I can go through the questions you asked anyway while you wait for that to update.\n\nAnd and I guess majority of the questions that you asked is is, I guess, really relevant to the advice that just I think if I explain it a little bit, it'll make a little bit more sense. So in the advice document, you oh, oh, sorry. Is that better better? I was I'm I'm still half asleep too. No.\n\nNo. That's okay. So the the advice has two different stages. So there's stage one, which is before the house sells, and then there's stage two after the house sells. So stage one is obviously we hit retirement.\n\nAnd what I wanna do is I want to basically get you a month's worth of your income need by the April 1. So that way, you are comfortable. So that way, you're not gonna go without an in an income. So what I did was I took the $1,500 a week that you wanted and then times it by 4.33. So that way, it's an average of what we would get over a a month, an average month.\n\nAnd we'll withdraw basically $6,495 per month. Now because pension accounts take time to set up, and we can't set them up until basically the after you retire. So today would be the earliest day that I could set this account up. I know, and it's so exciting. So the withdrawal, I wanna do from your accumulation fund, which we can do.\n\nIt there's nothing there's nothing stopping us from doing it. But it's just a one one off ad hoc withdrawal to basically service you income wise for the month while all of the other little bits and pieces get set up. So that's that payment that will get out to you basically before we trigger anything else. So if you sign today, I will process that payment, and you'll have it within a few days. The next thing I wanna do so one of the one of the things you raised with me was a concern because your daughters are the recipient of your funds, if anything were to happen to you, is I want to do what's called a cash out recontribution.\n\nNow with most super funds yes. Sorry? Correct. Yes. So with most super funds like Australian Super, if you wanted to do this with Australian Super, you would have to actually cash it out into your bank account and then pay it back in, which means you're selling down assets, you're out of the market, you know, you have your buy sell costs, all the rest of it.\n\nWith Hub 24, because it's a retail and intuitive platform, we can actually just it it's it's like it's like it's just like a a little bit of a popover. So it stays within the fund. Correct. So what happens is the money will, like, leave your super fund. A investment account will be created and opened.\n\nIt'll exist for all of twenty minutes. The money will sit in that account for all of twenty minutes, and then the money goes back over to your super account. And what happens is that money converts from taxable into tax free. So it's gonna convert your account from I did the math on this. It's your account's currently sitting at it's, like, $80.80 no.\n\nIt's, like, $70.30. Your account's sitting at, like, 70% taxable and about 30% tax free, and it moves you into having a little bit over 50% tax free. So you're sitting a lot more even in terms of your tax free component and sitting a lot better. What that does is that you utilizes the entirety of your cap of non concessional contributions to this financial year, which means that you cannot put any more money in nonconcessionally into your super fund. Your work stuff doesn't count, so your work can still contribute.\n\nThat's fine. Correct. Because then what yes. Yeah. Correct.\n\nAnd then what we're gonna do is then that's why as of the July 1 when the financial year rolled over, because I know that you're looking at June as a sale date, and I was like, well, worst case scenario, it's gonna sit in your bank for a couple of weeks, that the money can then be paid in. And what we can do is we can put up to 360,000 because we can do what's called a carry forward where we use that financial year plus the next two financial years to put money in. Obviously yes. So it's going forward with the nonconcessional. So you actually take from the next two years, which is why we need to wait.\n\nIf dad passes away soon, we're a little bit locked out. We'd still have a little bit of wiggle room. So because you still have like, if we only put two seventy in, we're allowed up to three sixty. So we could still put a little bit in because we still have a little bit of that cap left, but it would depend on what dad's estate looks like. It would depend on yep.\n\nOkay. Alright. So it's not and we'd still have some room. We could pop some in. It would just be maybe we set up a little bit of an investment account or we do something else on the side.\n\nSo that's why we're we're sort of bridging that gap. Anyway, back to stage one. So once we do that cash out retribution, that makes things a little bit better for the kids if anything happens to you. Then we set up the pension account. So all of that has to happen before we set up the pension account.\n\nThen once the pension account is set up, that gives you your your annual ongoing or your monthly, sorry, ongoing income. So it'll take a little bit for every all the other stages to happen, which is why I'm doing that immediate cash out because I don't want you to be with that income first, and then we set up the ongoing monthly payments. Stage one. You've already canceled your TPD insurance, 100 percent. Definitely do it.\n\nThat's so that's good. That that hits us to the end of the financial year. So we would just keep paying things. You and I would keep in contact. And once you turn around and say the house is sold, it settled on this date, I would go fantastic.\n\nIt would give me a time frame. So if if the house, for argument, say, didn't end up settling until July 20, then I we have a we have a time frame. Once the house settles, what I will do is I will trigger a rollover of AustralianSuper and close that account. Closing that account will also see the cancellation of that insurance policy. Now you're more than welcome to call them.\n\nWe can also send them a letter to cancel it. But and cancel it. Yeah. Yep. Yep.\n\nPerfect. So if you if you wanna still do that the day the house settles, then you're more than welcome to do that. But, basically, the day after the settlement happens, I will trigger a rollover and request that the Australian super account is closed. And that money will go into a brand new super account that's set up under hub 24. So be it'll just be the day that the house settles, basically.\n\nSo if the house does settle, you know, May or if it settles, you know, June, I'll trigger it the day the house sells. We're only holding a pension account. Yep. So what I will do is I will set up a brand new accumulation account under Hub twenty four to exist for just the pure purpose of being able to deposit all the money in. That account will exist for the time period of receiving the funds from the house settlement.\n\nSo whether that be 300,000 or $2.70, whichever it ends up, and receiving the money from this the Australian Superfund. Once both of those amounts settle in that account, I'll do what's called a pension refresh. So it's where you take the money that's sitting in the pension account. It goes bloop over to the accumulation account, picks up all the money that's in the accumulation account, and then it goes back into a new newer pension account. And then that gets set up with your income stream as well.\n\nYes. No. So when it's in so the current assets that you're invested in, I had a look at them, and you you've only just had an investment change that you and Tommy did late last year. I had a look at the assets that you're holding, and I was comfortable and happy with where those assets sat. I didn't see a need to make any changes to those holdings.\n\nYes. Yeah. Yeah. Yeah. So that's that's all like, I'm comfortable with where they sit.\n\nSo at no point is the money that you hold now, like, the the the the the few $100,000 that that's in the account now, I'm not selling any of that money except to pay you into your bank account. The money that sits there with all of the movements between the account, it happens in species, which means that it doesn't sell down. It's just literally a big claw comes down, grabs it as a bundle, and just moves it straight over into another bucket. It doesn't sell anything. It doesn't have to move as a cash.\n\nIt it stays invested, which is way more beneficial. Now yes. Yeah. CGT and all the rest of it. No.\n\nNone of that's happening. So the one thing that does happen, obviously, when you pay money into the account, so when Australian AustralianSuper is gonna have to sell down. It's gonna have to sell down to cash to move over to a new trustee. That does have to happen. Once that happens and the money lands, Hub twenty four is intuitive.\n\nSo what happens is within Hub twenty four, rather than going to market, Hub twenty four will actually migrate if so let's just say, like, there are trillions of dollars under Hub twenty four. Okay? And what will happen is on any given night when all of the trades are placed, Hub twenty four system will actually match up people that are trying to buy and sell. So you have cash. You're looking to buy.\n\nSo it has its own mini mini market running. And the actual market within Hub twenty four will go, oh, well, this person over here is selling, you know, IJP shares, and this person has cash. We're just gonna swap them. And this person over here is doing this, and we're gonna swap them. And so it intuitively swaps assets that Hub twenty four already holds that are moving within its own system rather than go direct to market and incur brokerage costs.\n\nSo Yeah. Then you may have to go to market, but I've been doing this for years, and I've been, like, I've I've been in the industry for years, ten years, actually. And I've been using Hub twenty four for six of those. And, really, honestly, like, out of the six years, I've looked at people's accounts, and I've and it's not thousands of dollars worth of brokerage over, you know, five or six years worth of the account being open. It's, like, 2 to $300 over a five year span.\n\nSo it just goes to show that, like, they're not going to market much. It's minimal market cost. So you said mhmm. Yeah. So I I basically I I will open the I will open the account as soon as the house sells so I can roll over AustralianSuper.\n\nBut the caveat is is that you will not deposit money into that account until after the July 1. Correct. Yes. Yeah. The rollover can go in because that's a rollover that doesn't that doesn't contravene the non concessional rules.\n\nThat's fine. So you said that the van cost was gonna go up by about $30 and that you were therefore, under the, like, under the assumption that you may only be able to put about $2.70 in. I'm comfortable leaving the figures as they are, and you and I just communicate. And we just communicate. And at the time that the house sells, I'll do an update to the document for stage two to show, you know, well, now based on the actual sale price, once we've paid the real estate and we've paid off the mortgage and we've which also I can't believe I got the mortgage.\n\nSo very wrong. Right numbers. Wrong order. Yeah. No.\n\nThat's so fine. It was just funny. So yeah. So if because if the house sells for a little bit more, then the figures are gonna be off anyway. Like, the van is obviously what the van's gonna cost.\n\nYou have that confirmed. So it's just the house could sell for more. You could get a really good offer in. Yeah. So no.\n\nWe we can. Oh, the sick oh, the oh, yeah. The $6.04 $9.05. So we can sell, like, according to losses, and then, like, we can go, like, loss one month and a gain one month, or we can go CGT conscious to try and get CGT zero. Well, I mean, you're in a pension account, so not really relevant.\n\nBut the biggest part is is that it'll end up putting you into an unbalanced position over the long term. Yeah. Because and then you'll you'll be a little bit skew with what's the word? I haven't used it long time. You'll you'll end up being My mother would be proud.\n\nYeah. So you'll end up being a little bit off off kilter with respect to the balance of of all of your assets, and your returns aren't gonna be the same. Correct. Yeah. If it gets too far out too far out, it'll it'll get it'll get rebalanced.\n\nVery, very much. Yeah. No. I I am very, very, very much confident in them. The, like, gold prices have have shifted as well.\n\nThey were doing fantastically, and and then, you know, so so silver took a massive dive. I am very much confident in terms of long term outcomes, which is why I'm comfortable to hold. But at the same time, as we shift through, if there is anything that we wanna do little tweaks to, I will. And I'll just I'll call you up and say, hey. I don't like this anymore.\n\nWe're just gonna we're just gonna tweak. We're gonna we're just gonna do a little shift. Where and what cash? Like, strategies? Yep.\n\nIs it, like, make a non concessional contribution? You'll have 30,000 less in your cash flow. The cash account will not generate a high return compared to your other investments. Well, the 300,000 will be in the cash account for all of a couple of days until it invest. Yes.\n\nYeah. So once so, basically, like like I said, so the money has the the 300,000 or the the the proceeds from the house sale have to be paid into the accumulation account that I set up. That accumulation account will be open for as long as it takes for the cash to settle, which realistically should be forty eight hours, nothing less. So once it leaves your account, it'll hit Hub twenty four pretty quickly within twenty four to forty eight. It takes Hub twenty four less than twenty four hours to allocate it to your account because what if they have to wait for the funds to clear in their account first.\n\nAnd then once it hits your account and it's available, I can then do that refresh. So it's only gonna be in cash in that account. It'll earn an interest rate the same as what your bank account's basically earning. So it's not gonna be much to muchness difference. It just is gonna be in the account.\n\nAnd then once I do that, the bloop bloop from the pension, pull everything because the pension account has to close. So the pension account will close. It'll go over to the accumulation account, pick everything up, brand new pension account, brand new setup with all of the new contribute pension withdrawal amounts and everything like that. Yep. Now because we're gonna have so many accounts open for such a short period of time, what I wanna do, and if you're comfortable with it, is hold off on submitting any beneficiary nomination forms until the end.\n\nOr the other option is is that we can submit one for every single new account that we open. I'm comfortable with whatever you're comfortable with, but you're yes. Because it's a it's attached to your account. New account, new beneficiary form. So I I'll send I'll send you the the forms out.\n\nThat's nice and easy. I'll make sure that they're all sent out to you and the girl's details. They are. Yes. I mean, I can email it to you.\n\nYou can print it. You can get it signed. So we can do it pretty quickly. But, yeah, once it's once it's like like, once the final pension account's set up, that's that's the one we're gonna roll with for long term. But, obviously, you're gonna have two other accounts set up in a small little interim period.\n\nHub twenty four as a base have a a state allocation. So that means that if anything were to happen, they would direct the funds to your estate. So if you don't have a beneficiary on either of those accounts and something happened to you, it's an estate nomination. Yeah. So we can we can we I can I can I can email you the form so that way you have it?\n\nI can fill out all the details except for the account number, and I just email you saying, hey. Account number, this has been opened. Do you wanna fill out the form? You fill out the form, and we then we submit it to make it pretty easy. So the $4.09 50, you paid that once to set everything up.\n\nOh, what is? Yes. That was yeah. Advise fee. Yep.\n\nSo the annual advice fee obviously keeps going. With the pension, it's so $1,500 is what we charge to set up a full pension account because of the complexities of the the setup, the migration, the, you know, the timing of everything, making sure that everything is happening in in time and and in line with what you need, it's it's very administratively heavy. So we need to obviously make sure that we can keep our lights on and keep going with everything that we're doing. So we do charge that fee. If you're comfortable, you can pay for it out of pocket rather than the super fund.\n\nYep. Yep. No. No. You're not you're not paying it twice.\n\nNot at all. Not at all. No. It's I I know that it's reiterated twice in the document, and it's re it's Mhmm. No.\n\nIt's capped at $9.09. Your $4.09 $5.00, that's the that's the on that that's our initial fee cap. Yeah. Yes. Oakview.\n\nCorrect. The 10 k, that's our ongoing advice fee. The 1.65%. Because you you currently pay 1.65% in an ongoing advice fee. 9,900.\n\nIt it ends up being a like, because you the like, it would end up being less than 1.65% because it's capped. Yep. The cap is 600,000 in terms of balance. Yep. But the good thing is is you have full access to myself or Tommy as well to be able to assist you with any questions and anything.\n\nAnd I'm gonna be very, very much on top of making sure that everything goes very smoothly throughout the whole implementation of this to make sure that you get the most out of everything. And then I'm here to hold your hand when we hit 67, and we can jump straight into Social Security as well and and getting Social Security benefits. I can help you fill out all the forms for it and everything like that. So I had I I did have a look at Social Security. You could look at going on JobSeeker.\n\nYou'd need to wait a couple of months to apply because you voluntarily resigned. So you could choose to, like, leave work and and sorry. You could choose to, oh, apply. Medically, you wouldn't get an exemption because you're you're a healthy woman. So it does mean that they're gonna have a work requirement of you, which means that you're gonna have to apply for jobs.\n\nYou're gonna have to meet with, like I call them work counselors. I'm sure they have another name for them, but people that try and set people up with jobs. And you, like, you may have to volunteer stuff like that. So it's going to really impact on your your life and travel plans. So it becomes a little bit painful in that area, but it's definitely still an avenue you could explore.\n\nBut it's not one that I see as being an easy avenue for you and for your retirement. S s o statement advice. S o a. Yeah. You don't have to you don't have to print it.\n\nYou can print it if you want to. We're actually able to sign it on the computer if you're comfortable to do so. It's weird. You can you can definitely print it. If you'd like, I can email it to you so it's a bit easier for you to print.\n\nI can email it all to you, and you can sign it. There's a few pages to sign on the application form for Hub 24. Yep. Yeah. Definitely.\n\nCan you do me a favor? While we're on the phone, your bank account details, are you a 100% okay. Fantastic. I'm just always really cautious. So what I'll do is I'll email you the do you want just the print pay the the pages to sign?\n\nYes. If you click on sign documents, you can sign it through there. Yeah. Yeah. It's just the the last pages.\n\nSo there's I mean, some of them are, like, the second last pages, but yeah. No. It's fine. It's it's it's they're nominal. Like, I'm not concerned about the mortgage is gonna be cleared out anyway.\n\nSo if it's $2.00 9 or $2.90, still can't believe I did that. It's fine, and we'll update things and touch base when the house sells anyway. Because if the house sells for more, then things might change there. You're on choice. That's the that's the menu option for hub twenty four.\n\nThey have three different menus. Each of the menus have different investment options. Yeah. It's the one that has the the largest investment offerings. Yes.\n\nNo. We just may do an update later depending on what they have sales for. Okay. I will I will email you the pages, and I can just email you the the print pages. No.\n\nThat's okay. Absolutely. Oh, yes. So so because because we're doing the cash out retontribution of the 120, we talked about possibly converting some of the money into concessional to save you on tax depending on how your income like, your return goes. Normally, I could say with certainty, do it for this amount.\n\nBut because your your income's 40,000 and then you've got your 16,000 of fringe benefits, and you said you had between 7 and 8,000 you could claim on, you're already sitting pretty low in the tax brackets. I didn't think there was anything too much that we could do in that realm. So I just I recommend, like, go to when you sit down with your accountant, just let them know, hey. I've put a $120,000 into my super fund this year. Should I claim any of it and do a word of intent and and convert it from nonconcessional into concessional and save on tax?\n\nIs there anything we can do to save more tax personally? So it's just it's a conversation with your accountant. So it's not something I can tell you a figure on. Normally, I would, but your income's in that weird bracket. As as concessional.\n\nSo is there anything that we should claim concessionally and save on tax? I don't think there's going to be, to be completely honest, but it's still a good conversation to have with your accountant. And when you meet with your accountant, I'm more than happy if you wanna give me a call when you're in the room with the accountant. Yep. Yeah.\n\nYeah. Well, I'm happy that if if when you go to do tax time, I can send an email to to outline things, and you can just include that email and and send it off to the accountant, and the accountant's able to come back to me. It it'll be the accountant will basically do your tax return. At the end of the tax return, they'll be like, oh, well, we could we could claim the money that you've put into your super fund. And what will happen is the money you put into your super fund, the $1.20, we submit what is called a notice of intention to claim or vary a contribution as a deduction, or we just call it notice of intent because the name is ridiculous.\n\nAnd what happens is you write a specific amount down and you convert that from non concessional into concessional, which means that the super fund pays 15% tax, and then you get to claim that amount back on your tax return. So it only really works if you're gonna you're intending on paying less than 50, more than 15% tax personally because, otherwise, you're paying 15% tax in the super funds and less personally. So it only works out if the numbers work out. Correct. You still there?\n\nOh, there you are. I'm not adjusting anything. Oh, like because car like, currently, your fund has, like, 28.4% sitting in, like, iShares S and P, and then there's, like, 20.4% sitting in data shares, but I'm gonna have it at thirty and twenty respectively. So the the numbers are a little bit off in terms of, you know, you hold slightly higher in some of the assets than what I would Yep. Right.\n\nYes. Okay. No. No. You're okay.\n\nYeah. No. No. No. That's so fine.\n\nOkay. Now that I understand. So risk profile wise, we we set parameters for what like, in each risk profile, what we aim to sort of hit. In terms of where we're currently sitting, I am sitting a little bit heavier in internationally than what I am Australian equities wise, and that's just because the international has the better cushion than what the Australian does. As markets move and and transition, we may ebb the other way.\n\nBut right this second, the international just has the the better the cushion for the market doing what it's doing. Yeah. No. That's okay. So you have BHYB.\n\nYou have IAF. They are both alternative assets. So in the risk profile, we look to have, you know, like, between, basically, 20% sitting defensively, but we have a variance of, like, 10% either either way. So as the market moves, we may kind of move a little bit more heavily into defensive assets, and we can have a variance within that risk profile of 10% leeway within each of those positions. So for, like, the defense of assets, we're hitting pretty much the on point.\n\nWe don't have any fixed interest in the portfolio when, obviously, we're not aiming to have any cash. The account itself will have about 1.2% cash. It always has 1.2 percent cash in the cash account. But outside of that, we're not looking to have anything else. No.\n\nThat's okay. Okay. Yes. I emailed you, and then I realized that an email and a text is two different things, so I text you as well. No.\n\nYou're fine. And what I'll do is I'll I'll literally I'll I'll pull the pages out, and I'll I'll email them through to you. I lied. It's actually my day off. I'm gonna get someone else to email them through to you.\n\nSo It's fine. I'm I'm online. So what I'll do is I'll email my team and get my team to email you the pages that you need. Okay? Do not apologize at all.\n\nI am so happy to have been able to solve it all and get all the questions answered. It was my choice to allow a call today, so it's fine. Just know that I'm still in my pajama pants. No. My pleasure.\n\nYeah. Just reply straight to the to who sent it to you, and they will start the administration. They'll be in touch with me today, and I'll just make sure that everything gets triggered the way it needs to. The one thing I haven't told you, which I do need to, is your bank account details. Because they've never been applied to the account before, you will get a call from Hub twenty four within the next couple of days to verify them.\n\nOkay? So yes. Yeah. Very, very much normal. Just a security measure to make sure that the bank account details are correct and everything's fine.\n\nOkay. I normally know before they even try and call you anyway. So I'll just I'll literally email you, text you, call you, and say, hey. They wanna verify details. You can call them on this number, and it's this reference number that you need a quote.\n\nThat way you can do the reaching out rather than waiting for them. It's quicker that way. That's okay. My pleasure. That's okay.\n\nI'll talk to you soon, Carol. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Carol.","start":3.36,"end":4.56,"sentiment":"positive","sentiment_score":0.5610419710477194},{"text":"How are you going?","start":4.56,"end":5.62,"sentiment":"positive","sentiment_score":0.47690730541944504},{"text":"No.","start":16.655,"end":17.055,"sentiment":"neutral","sentiment_score":-0.2365311086177826},{"text":"That's okay.","start":17.055,"end":18.095001,"sentiment":"neutral","sentiment_score":-0.04048686847090721},{"text":"I can go through the questions you asked anyway while you wait for that to update.","start":18.095001,"end":22.175,"sentiment":"neutral","sentiment_score":0.13091838033869863}],"sentiment":"neutral","sentiment_score":0.2064593990261738,"num_words":26,"start":3.36,"end":22.175},{"sentences":[{"text":"And and I guess majority of the questions that you asked is is, I guess, really relevant to the advice that just I think if I explain it a little bit, it'll make a little bit more sense.","start":22.175,"end":35.09,"sentiment":"neutral","sentiment_score":0.18076508168719316},{"text":"So in the advice document, you oh, oh, sorry.","start":36.35,"end":43.365,"sentiment":"neutral","sentiment_score":0.050375065869755216},{"text":"Is that better better?","start":43.365,"end":44.585,"sentiment":"neutral","sentiment_score":0.0579736577346921},{"text":"I was I'm I'm still half asleep too.","start":47.445,"end":49.625,"sentiment":"neutral","sentiment_score":-0.0628779511898756},{"text":"No.","start":54.66,"end":54.82,"sentiment":"neutral","sentiment_score":-0.10459932684898376}],"sentiment":"neutral","sentiment_score":0.11577867319186529,"num_words":60,"start":22.175,"end":54.82},{"sentences":[{"text":"No.","start":54.82,"end":55.14,"sentiment":"neutral","sentiment_score":-0.10852698236703873},{"text":"That's okay.","start":55.14,"end":55.96,"sentiment":"neutral","sentiment_score":-0.05084776505827904},{"text":"So the the advice has two different stages.","start":56.82,"end":63.8,"sentiment":"neutral","sentiment_score":0.024933500913903117},{"text":"So there's stage one, which is before the house sells, and then there's stage two after the house sells.","start":64.5,"end":70.945,"sentiment":"neutral","sentiment_score":0.024158476704829616},{"text":"So stage one is obviously we hit retirement.","start":71.165,"end":74.465004,"sentiment":"neutral","sentiment_score":0.0869864271953702}],"sentiment":"neutral","sentiment_score":0.03010915709953559,"num_words":38,"start":54.82,"end":74.465004},{"sentences":[{"text":"And what I wanna do is I want to basically get you a month's worth of your income need by the April 1.","start":75.245,"end":83.78999,"sentiment":"neutral","sentiment_score":0.1650568949787513},{"text":"So that way, you are comfortable.","start":84.49,"end":87.07,"sentiment":"positive","sentiment_score":0.41061487297217053},{"text":"So that way, you're not gonna go without an in an income.","start":87.369995,"end":90.27,"sentiment":"positive","sentiment_score":0.36607759197552997},{"text":"So what I did was I took the $1,500 a week that you wanted and then times it by 4.33.","start":91.13,"end":99.095,"sentiment":"neutral","sentiment_score":0.20835470631718636},{"text":"So that way, it's an average of what we would get over a a month, an average month.","start":99.314995,"end":103.895,"sentiment":"neutral","sentiment_score":0.27748675230476594}],"sentiment":"neutral","sentiment_score":0.250820058150382,"num_words":79,"start":75.245,"end":103.895},{"sentences":[{"text":"And we'll withdraw basically $6,495 per month.","start":104.275,"end":108.375,"sentiment":"neutral","sentiment_score":0.1745322815009526},{"text":"Now because pension accounts take time to set up, and we can't set them up until basically the after you retire.","start":108.674995,"end":115.58,"sentiment":"neutral","sentiment_score":0.06613795370573089},{"text":"So today would be the earliest day that I could set this account up.","start":115.58,"end":118.479996,"sentiment":"neutral","sentiment_score":0.27317417838743757},{"text":"I know, and it's so exciting.","start":119.82,"end":121.84,"sentiment":"positive","sentiment_score":0.5795246114333471},{"text":"So the withdrawal, I wanna do from your accumulation fund, which we can do.","start":124.22,"end":130.075,"sentiment":"positive","sentiment_score":0.3362111193793161}],"sentiment":"neutral","sentiment_score":0.2357929812203492,"num_words":62,"start":104.275,"end":130.075},{"sentences":[{"text":"It there's nothing there's nothing stopping us from doing it.","start":130.075,"end":132.815,"sentiment":"neutral","sentiment_score":0.29768497552722695},{"text":"But it's just a one one off ad hoc withdrawal to basically service you income wise for the month while all of the other little bits and pieces get set up.","start":133.275,"end":143.36,"sentiment":"neutral","sentiment_score":0.15950310590767092},{"text":"So that's that payment that will get out to you basically before we trigger anything else.","start":144.14,"end":148.62001,"sentiment":"neutral","sentiment_score":0.3326728865504265},{"text":"So if you sign today, I will process that payment, and you'll have it within a few days.","start":148.62001,"end":153.78499,"sentiment":"positive","sentiment_score":0.4168774154451158},{"text":"The next thing I wanna do so one of the one of the things you raised with me was a concern because your daughters are the recipient of your funds, if anything were to happen to you, is I want to do what's called a cash out recontribution.","start":157.045,"end":170.56,"sentiment":"neutral","sentiment_score":-0.08100335559962939}],"sentiment":"neutral","sentiment_score":0.137071907580868,"num_words":123,"start":130.075,"end":170.56},{"sentences":[{"text":"Now with most super funds yes.","start":171.42,"end":174.06,"sentiment":"neutral","sentiment_score":0.03769567981362343},{"text":"Sorry?","start":174.06,"end":174.56,"sentiment":"neutral","sentiment_score":-0.05331934615969658},{"text":"Correct.","start":177.43501,"end":177.835,"sentiment":"neutral","sentiment_score":0.07893508672714233},{"text":"Yes.","start":177.835,"end":178.335,"sentiment":"neutral","sentiment_score":0.11635808646678925},{"text":"So with most super funds like Australian Super, if you wanted to do this with Australian Super, you would have to actually cash it out into your bank account and then pay it back in, which means you're selling down assets, you're out of the market, you know, you have your buy sell costs, all the rest of it.","start":178.475,"end":192.3,"sentiment":"neutral","sentiment_score":0.05865929038974188}],"sentiment":"neutral","sentiment_score":0.05630950057221686,"num_words":68,"start":171.42,"end":192.3},{"sentences":[{"text":"With Hub 24, because it's a retail and intuitive platform, we can actually just it it's it's like it's like it's just like a a little bit of a popover.","start":192.86,"end":204.16,"sentiment":"neutral","sentiment_score":0.21281499813000362},{"text":"So it stays within the fund.","start":204.86,"end":208.10501,"sentiment":"neutral","sentiment_score":0.06726199698944886},{"text":"Correct.","start":208.10501,"end":208.585,"sentiment":"neutral","sentiment_score":0.16300858557224274},{"text":"So what happens is the money will, like, leave your super fund.","start":208.585,"end":212.445,"sentiment":"neutral","sentiment_score":0.09214602193484704},{"text":"A investment account will be created and opened.","start":212.985,"end":215.80501,"sentiment":"neutral","sentiment_score":0.11443206295371056}],"sentiment":"neutral","sentiment_score":0.15740770663608583,"num_words":57,"start":192.86,"end":215.80501},{"sentences":[{"text":"It'll exist for all of twenty minutes.","start":215.865,"end":217.80501,"sentiment":"neutral","sentiment_score":0.11793486028909683},{"text":"The money will sit in that account for all of twenty minutes, and then the money goes back over to your super account.","start":218.54001,"end":223.92,"sentiment":"neutral","sentiment_score":0.09016252082327138},{"text":"And what happens is that money converts from taxable into tax free.","start":225.02,"end":229.26,"sentiment":"neutral","sentiment_score":0.10338517899314563},{"text":"So it's gonna convert your account from I did the math on this.","start":229.26,"end":234.36499,"sentiment":"neutral","sentiment_score":0.12809090602856416},{"text":"It's your account's currently sitting at it's, like, $80.80 no.","start":234.36499,"end":240.44499,"sentiment":"neutral","sentiment_score":0.048361456766724584}],"sentiment":"neutral","sentiment_score":0.0967492383833115,"num_words":65,"start":215.865,"end":240.44499},{"sentences":[{"text":"It's, like, $70.30.","start":240.44499,"end":241.825,"sentiment":"neutral","sentiment_score":0.07705286021033923},{"text":"Your account's sitting at, like, 70% taxable and about 30% tax free, and it moves you into having a little bit over 50% tax free.","start":241.885,"end":252.52,"sentiment":"neutral","sentiment_score":0.2571696612983942},{"text":"So you're sitting a lot more even in terms of your tax free component and sitting a lot better.","start":252.66,"end":259.08002,"sentiment":"neutral","sentiment_score":0.05457015335559845},{"text":"What that does is that you utilizes the entirety of your cap of non concessional contributions to this financial year, which means that you cannot put any more money in nonconcessionally into your super fund.","start":259.54,"end":276.815,"sentiment":"neutral","sentiment_score":0.04218482678490026},{"text":"Your work stuff doesn't count, so your work can still contribute.","start":284.49002,"end":286.89,"sentiment":"neutral","sentiment_score":-0.011597425592216578}],"sentiment":"neutral","sentiment_score":0.09727021809467064,"num_words":93,"start":240.44499,"end":286.89},{"sentences":[{"text":"That's fine.","start":286.89,"end":287.71002,"sentiment":"neutral","sentiment_score":0.32449202239513397},{"text":"Correct.","start":290.745,"end":291.245,"sentiment":"neutral","sentiment_score":0.16199477016925812},{"text":"Because then what yes.","start":291.785,"end":296.26498,"sentiment":"neutral","sentiment_score":-0.11586226243525743},{"text":"Yeah.","start":296.26498,"end":296.505,"sentiment":"neutral","sentiment_score":0.10070590674877168},{"text":"Correct.","start":296.505,"end":297.005,"sentiment":"neutral","sentiment_score":0.13033995032310486}],"sentiment":"neutral","sentiment_score":0.06428618025448588,"num_words":9,"start":286.89,"end":297.005},{"sentences":[{"text":"And then what we're gonna do is then that's why as of the July 1 when the financial year rolled over, because I know that you're looking at June as a sale date, and I was like, well, worst case scenario, it's gonna sit in your bank for a couple of weeks, that the money can then be paid in.","start":297.145,"end":316.795,"sentiment":"neutral","sentiment_score":0.023269613770147166},{"text":"And what we can do is we can put up to 360,000 because we can do what's called a carry forward where we use that financial year plus the next two financial years to put money in.","start":316.795,"end":328.415,"sentiment":"neutral","sentiment_score":0.08549742531534787},{"text":"Obviously yes.","start":329.035,"end":334.75,"sentiment":"neutral","sentiment_score":-0.038152155466377735},{"text":"So it's going forward with the nonconcessional.","start":336.81,"end":339.15,"sentiment":"neutral","sentiment_score":0.012424078370843614},{"text":"So you actually take from the next two years, which is why we need to wait.","start":339.29,"end":344.82498,"sentiment":"neutral","sentiment_score":-0.05299212830141187}],"sentiment":"neutral","sentiment_score":0.030511243833748043,"num_words":122,"start":297.145,"end":344.82498},{"sentences":[{"text":"If dad passes away soon, we're a little bit locked out.","start":349.04498,"end":355.125,"sentiment":"neutral","sentiment_score":-0.2700144066052003},{"text":"We'd still have a little bit of wiggle room.","start":355.125,"end":357.63998,"sentiment":"neutral","sentiment_score":-0.12515917337603039},{"text":"So because you still have like, if we only put two seventy in, we're allowed up to three sixty.","start":357.63998,"end":362.03998,"sentiment":"neutral","sentiment_score":-0.01262657241405625},{"text":"So we could still put a little bit in because we still have a little bit of that cap left, but it would depend on what dad's estate looks like.","start":362.03998,"end":369.87997,"sentiment":"neutral","sentiment_score":-0.017484478714565436},{"text":"It would depend on yep.","start":369.87997,"end":381.245,"sentiment":"neutral","sentiment_score":-0.0004120231606066227}],"sentiment":"neutral","sentiment_score":-0.06571743765065598,"num_words":74,"start":349.04498,"end":381.245},{"sentences":[{"text":"Okay.","start":383.465,"end":383.965,"sentiment":"neutral","sentiment_score":0.05257819965481758},{"text":"Alright.","start":384.105,"end":384.505,"sentiment":"neutral","sentiment_score":0.09411947429180144},{"text":"So it's not and we'd still have some room.","start":384.505,"end":389.58,"sentiment":"neutral","sentiment_score":0.13890211780865988},{"text":"We could pop some in.","start":389.58,"end":390.46,"sentiment":"neutral","sentiment_score":0.19620512127876283},{"text":"It would just be maybe we set up a little bit of an investment account or we do something else on the side.","start":390.46,"end":396.08,"sentiment":"neutral","sentiment_score":0.09044971041705298}],"sentiment":"neutral","sentiment_score":0.11431245333873309,"num_words":39,"start":383.465,"end":396.08},{"sentences":[{"text":"So that's why we're we're sort of bridging that gap.","start":399.495,"end":401.735,"sentiment":"neutral","sentiment_score":0.15892330855131148},{"text":"Anyway, back to stage one.","start":401.735,"end":403.995,"sentiment":"neutral","sentiment_score":0.06355988830327988},{"text":"So once we do that cash out retribution, that makes things a little bit better for the kids if anything happens to you.","start":404.13498,"end":411.035,"sentiment":"neutral","sentiment_score":0.11247117566349714},{"text":"Then we set up the pension account.","start":411.175,"end":412.68,"sentiment":"neutral","sentiment_score":0.05468909602080073},{"text":"So all of that has to happen before we set up the pension account.","start":413.24,"end":416.13998,"sentiment":"neutral","sentiment_score":0.03417075185903481}],"sentiment":"neutral","sentiment_score":0.09076413161800069,"num_words":59,"start":399.495,"end":416.13998},{"sentences":[{"text":"Then once the pension account is set up, that gives you your your annual ongoing or your monthly, sorry, ongoing income.","start":416.28,"end":425.1,"sentiment":"neutral","sentiment_score":0.05650664617617925},{"text":"So it'll take a little bit for every all the other stages to happen, which is why I'm doing that immediate cash out because I don't want you to be with that income first, and then we set up the ongoing monthly payments.","start":425.395,"end":435.175,"sentiment":"neutral","sentiment_score":-0.004777429018949353},{"text":"Stage one.","start":442.25,"end":443.06998,"sentiment":"neutral","sentiment_score":0.007801965344697237},{"text":"You've already canceled your TPD insurance, 100 percent.","start":444.49,"end":447.78998,"sentiment":"neutral","sentiment_score":0.011708208825439215},{"text":"Definitely do it.","start":448.49,"end":449.37,"sentiment":"neutral","sentiment_score":0.21994154651959738}],"sentiment":"neutral","sentiment_score":0.022731225490086264,"num_words":77,"start":416.28,"end":449.37},{"sentences":[{"text":"That's so that's good.","start":449.37,"end":450.50998,"sentiment":"neutral","sentiment_score":0.2713630571961403},{"text":"That that hits us to the end of the financial year.","start":450.81,"end":453.495,"sentiment":"neutral","sentiment_score":-0.12866515598513864},{"text":"So we would just keep paying things.","start":453.57498,"end":455.495,"sentiment":"neutral","sentiment_score":0.05345390896712031},{"text":"You and I would keep in contact.","start":455.495,"end":457.115,"sentiment":"neutral","sentiment_score":0.1300053990312985},{"text":"And once you turn around and say the house is sold, it settled on this date, I would go fantastic.","start":457.415,"end":461.51498,"sentiment":"neutral","sentiment_score":0.2642382368445396}],"sentiment":"neutral","sentiment_score":0.1273288858332196,"num_words":49,"start":449.37,"end":461.51498},{"sentences":[{"text":"It would give me a time frame.","start":462.135,"end":463.495,"sentiment":"neutral","sentiment_score":0.1589603094117982},{"text":"So if if the house, for argument, say, didn't end up settling until July 20, then I we have a we have a time frame.","start":463.495,"end":471.35,"sentiment":"neutral","sentiment_score":-0.04111191764473915},{"text":"Once the house settles, what I will do is I will trigger a rollover of AustralianSuper and close that account.","start":473.01,"end":481.99002,"sentiment":"neutral","sentiment_score":-0.05136454813182354},{"text":"Closing that account will also see the cancellation of that insurance policy.","start":482.26498,"end":487.405,"sentiment":"neutral","sentiment_score":-0.19206584120790163},{"text":"Now you're more than welcome to call them.","start":487.54498,"end":488.985,"sentiment":"neutral","sentiment_score":0.24419054947793484}],"sentiment":"neutral","sentiment_score":-0.0179671171742181,"num_words":72,"start":462.135,"end":488.985},{"sentences":[{"text":"We can also send them a letter to cancel it.","start":488.985,"end":491.065,"sentiment":"neutral","sentiment_score":-0.18349550738930703},{"text":"But and cancel it.","start":491.065,"end":495.4,"sentiment":"neutral","sentiment_score":-0.12729908153414726},{"text":"Yeah.","start":495.4,"end":495.9,"sentiment":"neutral","sentiment_score":-0.08658743649721146},{"text":"Yep.","start":505.32,"end":505.82,"sentiment":"neutral","sentiment_score":0.14071869850158691},{"text":"Yep.","start":506.935,"end":507.435,"sentiment":"positive","sentiment_score":0.43980884552001953}],"sentiment":"neutral","sentiment_score":-0.1088359583826626,"num_words":17,"start":488.985,"end":507.435},{"sentences":[{"text":"Perfect.","start":507.495,"end":507.975,"sentiment":"positive","sentiment_score":0.7059934139251709},{"text":"So if you if you wanna still do that the day the house settles, then you're more than welcome to do that.","start":507.975,"end":512.955,"sentiment":"positive","sentiment_score":0.385238069024953},{"text":"But, basically, the day after the settlement happens, I will trigger a rollover and request that the Australian super account is closed.","start":513.415,"end":521.755,"sentiment":"neutral","sentiment_score":-0.2041459809988737},{"text":"And that money will go into a brand new super account that's set up under hub 24.","start":522.11005,"end":526.69,"sentiment":"neutral","sentiment_score":0.048050891827134526},{"text":"So be it'll just be the day that the house settles, basically.","start":526.99005,"end":535.57,"sentiment":"neutral","sentiment_score":0.050251432384053864}],"sentiment":"neutral","sentiment_score":0.08256623919147092,"num_words":74,"start":507.495,"end":535.57},{"sentences":[{"text":"So if the house does settle, you know, May or if it settles, you know, June, I'll trigger it the day the house sells.","start":535.785,"end":543.40497,"sentiment":"neutral","sentiment_score":0.057375031833847366},{"text":"We're only holding a pension account.","start":551.48,"end":553.0,"sentiment":"neutral","sentiment_score":-0.12892035891612372},{"text":"Yep.","start":553.0,"end":553.32,"sentiment":"neutral","sentiment_score":0.13857628405094147},{"text":"So what I will do is I will set up a brand new accumulation account under Hub twenty four to exist for just the pure purpose of being able to deposit all the money in.","start":553.32,"end":562.7,"sentiment":"neutral","sentiment_score":0.17622528225183487},{"text":"That account will exist for the time period of receiving the funds from the house settlement.","start":563.115,"end":569.295,"sentiment":"neutral","sentiment_score":0.13506015203893185}],"sentiment":"neutral","sentiment_score":0.1106207586098008,"num_words":82,"start":535.785,"end":569.295},{"sentences":[{"text":"So whether that be 300,000 or $2.70, whichever it ends up, and receiving the money from this the Australian Superfund.","start":569.435,"end":577.935,"sentiment":"neutral","sentiment_score":0.14635020717978478},{"text":"Once both of those amounts settle in that account, I'll do what's called a pension refresh.","start":578.93,"end":583.75,"sentiment":"neutral","sentiment_score":0.13001267611980438},{"text":"So it's where you take the money that's sitting in the pension account.","start":584.05,"end":586.87,"sentiment":"neutral","sentiment_score":0.07939292834355281},{"text":"It goes bloop over to the accumulation account, picks up all the money that's in the accumulation account, and then it goes back into a new newer pension account.","start":587.17,"end":595.15497,"sentiment":"neutral","sentiment_score":0.11138049384643292},{"text":"And then that gets set up with your income stream as well.","start":596.815,"end":600.355,"sentiment":"neutral","sentiment_score":0.21773295477032661}],"sentiment":"neutral","sentiment_score":0.13202383120854697,"num_words":90,"start":569.435,"end":600.355},{"sentences":[{"text":"Yes.","start":614.67,"end":615.17,"sentiment":"neutral","sentiment_score":0.019802100956439972},{"text":"No.","start":617.165,"end":617.565,"sentiment":"neutral","sentiment_score":-0.1133737713098526},{"text":"So when it's in so the current assets that you're invested in, I had a look at them, and you you've only just had an investment change that you and Tommy did late last year.","start":617.565,"end":630.16,"sentiment":"neutral","sentiment_score":0.030378958503050463},{"text":"I had a look at the assets that you're holding, and I was comfortable and happy with where those assets sat.","start":630.22,"end":635.52,"sentiment":"neutral","sentiment_score":0.27768083200568244},{"text":"I didn't see a need to make any changes to those holdings.","start":635.74,"end":639.04,"sentiment":"neutral","sentiment_score":-0.12098519131541252}],"sentiment":"neutral","sentiment_score":0.0764166721941105,"num_words":70,"start":614.67,"end":639.04},{"sentences":[{"text":"Yes.","start":647.115,"end":647.615,"sentiment":"neutral","sentiment_score":0.020642470568418503},{"text":"Yeah.","start":649.91504,"end":650.41504,"sentiment":"neutral","sentiment_score":-0.0042025251314044},{"text":"Yeah.","start":656.57,"end":657.07,"sentiment":"neutral","sentiment_score":-0.02824701741337776},{"text":"Yeah.","start":658.89,"end":659.39,"sentiment":"neutral","sentiment_score":0.026655275374650955},{"text":"So that's that's all like, I'm comfortable with where they sit.","start":660.33,"end":664.43005,"sentiment":"neutral","sentiment_score":0.15278742259198969}],"sentiment":"neutral","sentiment_score":0.11303399012734493,"num_words":15,"start":647.115,"end":664.43005},{"sentences":[{"text":"So at no point is the money that you hold now, like, the the the the the few $100,000 that that's in the account now, I'm not selling any of that money except to pay you into your bank account.","start":664.57,"end":677.175,"sentiment":"neutral","sentiment_score":-0.16027711741626263},{"text":"The money that sits there with all of the movements between the account, it happens in species, which means that it doesn't sell down.","start":677.315,"end":683.51,"sentiment":"neutral","sentiment_score":0.03511402065244814},{"text":"It's just literally a big claw comes down, grabs it as a bundle, and just moves it straight over into another bucket.","start":683.51,"end":689.85,"sentiment":"neutral","sentiment_score":0.07266397079960867},{"text":"It doesn't sell anything.","start":690.14996,"end":691.19,"sentiment":"neutral","sentiment_score":0.017548642121255398},{"text":"It doesn't have to move as a cash.","start":691.19,"end":693.37,"sentiment":"neutral","sentiment_score":0.026733009377494454}],"sentiment":"neutral","sentiment_score":-0.0376090020397488,"num_words":98,"start":664.57,"end":693.37},{"sentences":[{"text":"It it stays invested, which is way more beneficial.","start":694.07,"end":696.89,"sentiment":"positive","sentiment_score":0.3656058328019248},{"text":"Now yes.","start":697.425,"end":706.325,"sentiment":"neutral","sentiment_score":-0.14548546820878983},{"text":"Yeah.","start":706.46497,"end":706.865,"sentiment":"neutral","sentiment_score":-0.12708865106105804},{"text":"CGT and all the rest of it.","start":706.865,"end":708.305,"sentiment":"neutral","sentiment_score":-0.13355260980980738},{"text":"No.","start":708.305,"end":708.705,"sentiment":"neutral","sentiment_score":-0.3146888017654419}],"sentiment":"neutral","sentiment_score":0.0811417918652296,"num_words":20,"start":694.07,"end":708.705},{"sentences":[{"text":"None of that's happening.","start":708.705,"end":709.8,"sentiment":"negative","sentiment_score":-0.3779399245977402},{"text":"So the one thing that does happen, obviously, when you pay money into the account, so when Australian AustralianSuper is gonna have to sell down.","start":710.12,"end":718.83997,"sentiment":"neutral","sentiment_score":-0.30172777056694033},{"text":"It's gonna have to sell down to cash to move over to a new trustee.","start":718.83997,"end":721.8,"sentiment":"negative","sentiment_score":-0.3736566702524821},{"text":"That does have to happen.","start":721.8,"end":722.925,"sentiment":"neutral","sentiment_score":0.07195544838905335},{"text":"Once that happens and the money lands, Hub twenty four is intuitive.","start":723.565,"end":728.065,"sentiment":"neutral","sentiment_score":0.21887486738463244}],"sentiment":"neutral","sentiment_score":-0.19136931747198105,"num_words":61,"start":708.705,"end":728.065},{"sentences":[{"text":"So what happens is within Hub twenty four, rather than going to market, Hub twenty four will actually migrate if so let's just say, like, there are trillions of dollars under Hub twenty four.","start":728.125,"end":741.15,"sentiment":"neutral","sentiment_score":0.1779517573030556},{"text":"Okay?","start":741.15,"end":741.65,"sentiment":"neutral","sentiment_score":0.1237584352493286},{"text":"And what will happen is on any given night when all of the trades are placed, Hub twenty four system will actually match up people that are trying to buy and sell.","start":742.75,"end":751.97504,"sentiment":"neutral","sentiment_score":0.1620972752571106},{"text":"So you have cash.","start":753.395,"end":754.515,"sentiment":"neutral","sentiment_score":0.10523959994316101},{"text":"You're looking to buy.","start":754.515,"end":755.47504,"sentiment":"neutral","sentiment_score":0.11603031493723392}],"sentiment":"neutral","sentiment_score":0.1632841420173645,"num_words":75,"start":728.125,"end":755.47504},{"sentences":[{"text":"So it has its own mini mini market running.","start":755.47504,"end":758.375,"sentiment":"neutral","sentiment_score":0.16576156516869864},{"text":"And the actual market within Hub twenty four will go, oh, well, this person over here is selling, you know, IJP shares, and this person has cash.","start":758.59503,"end":768.69,"sentiment":"neutral","sentiment_score":0.0949269480727337},{"text":"We're just gonna swap them.","start":768.69,"end":769.99,"sentiment":"neutral","sentiment_score":0.09729161858558655},{"text":"And this person over here is doing this, and we're gonna swap them.","start":770.69,"end":773.51,"sentiment":"neutral","sentiment_score":0.15688454015896872},{"text":"And so it intuitively swaps assets that Hub twenty four already holds that are moving within its own system rather than go direct to market and incur brokerage costs.","start":773.57,"end":784.505,"sentiment":"neutral","sentiment_score":0.08177699341342368}],"sentiment":"neutral","sentiment_score":0.10785989889717963,"num_words":83,"start":755.47504,"end":784.505},{"sentences":[{"text":"So Yeah.","start":786.885,"end":805.425,"sentiment":"neutral","sentiment_score":-0.007175254635512829},{"text":"Then you may have to go to market, but I've been doing this for years, and I've been, like, I've I've been in the industry for years, ten years, actually.","start":805.505,"end":811.685,"sentiment":"neutral","sentiment_score":0.025644531566649677},{"text":"And I've been using Hub twenty four for six of those.","start":811.90497,"end":815.845,"sentiment":"neutral","sentiment_score":0.09180142188614066},{"text":"And, really, honestly, like, out of the six years, I've looked at people's accounts, and I've and it's not thousands of dollars worth of brokerage over, you know, five or six years worth of the account being open.","start":816.865,"end":827.8,"sentiment":"neutral","sentiment_score":-0.02221540634912488},{"text":"It's, like, 2 to $300 over a five year span.","start":827.86,"end":831.4,"sentiment":"neutral","sentiment_score":-0.01683930903673172}],"sentiment":"neutral","sentiment_score":0.008266181833428013,"num_words":91,"start":786.885,"end":831.4},{"sentences":[{"text":"So it just goes to show that, like, they're not going to market much.","start":831.575,"end":835.755,"sentiment":"neutral","sentiment_score":-0.13667561539581843},{"text":"It's minimal market cost.","start":836.295,"end":838.71497,"sentiment":"neutral","sentiment_score":0.043484694324433804},{"text":"So you said mhmm.","start":851.19,"end":853.45,"sentiment":"neutral","sentiment_score":0.002076377859339118},{"text":"Yeah.","start":869.22,"end":869.54,"sentiment":"neutral","sentiment_score":0.023302294313907623},{"text":"So I I basically I I will open the I will open the account as soon as the house sells so I can roll over AustralianSuper.","start":869.54,"end":879.0,"sentiment":"neutral","sentiment_score":0.04789311503275083}],"sentiment":"neutral","sentiment_score":-0.009442674319202803,"num_words":49,"start":831.575,"end":879.0},{"sentences":[{"text":"But the caveat is is that you will not deposit money into that account until after the July 1.","start":880.365,"end":885.985,"sentiment":"neutral","sentiment_score":-0.13226764982468203},{"text":"Correct.","start":889.405,"end":889.905,"sentiment":"neutral","sentiment_score":0.05862022191286087},{"text":"Yes.","start":896.94,"end":897.26,"sentiment":"neutral","sentiment_score":0.07130011171102524},{"text":"Yeah.","start":897.26,"end":897.42004,"sentiment":"neutral","sentiment_score":0.07380063831806183},{"text":"The rollover can go in because that's a rollover that doesn't that doesn't contravene the non concessional rules.","start":897.42004,"end":902.56,"sentiment":"neutral","sentiment_score":0.032705002011627786}],"sentiment":"neutral","sentiment_score":-0.043016858462942766,"num_words":40,"start":880.365,"end":902.56},{"sentences":[{"text":"That's fine.","start":902.78,"end":903.68,"sentiment":"neutral","sentiment_score":0.1589515209197998},{"text":"So you said that the van cost was gonna go up by about $30 and that you were therefore, under the, like, under the assumption that you may only be able to put about $2.70 in.","start":911.22504,"end":926.70996,"sentiment":"neutral","sentiment_score":0.01941786840971973},{"text":"I'm comfortable leaving the figures as they are, and you and I just communicate.","start":927.49,"end":930.87,"sentiment":"neutral","sentiment_score":0.1217721833714417},{"text":"And we just communicate.","start":932.315,"end":933.355,"sentiment":"neutral","sentiment_score":0.04176432453095913},{"text":"And at the time that the house sells, I'll do an update to the document for stage two to show, you know, well, now based on the actual sale price, once we've paid the real estate and we've paid off the mortgage and we've which also I can't believe I got the mortgage.","start":933.355,"end":948.23,"sentiment":"neutral","sentiment_score":-0.05153203209124084}],"sentiment":"neutral","sentiment_score":0.0014460226520895958,"num_words":109,"start":902.78,"end":948.23},{"sentences":[{"text":"So very wrong.","start":948.23,"end":948.94995,"sentiment":"negative","sentiment_score":-0.44406182567278546},{"text":"Right numbers.","start":948.94995,"end":949.58997,"sentiment":"neutral","sentiment_score":-0.2677468806505203},{"text":"Wrong order.","start":949.58997,"end":950.32996,"sentiment":"negative","sentiment_score":-0.3647882342338562},{"text":"Yeah.","start":962.325,"end":962.825,"sentiment":"neutral","sentiment_score":-0.08105602860450745},{"text":"No.","start":962.885,"end":963.205,"sentiment":"neutral","sentiment_score":-0.23480337858200073}],"sentiment":"neutral","sentiment_score":-0.32367945710817975,"num_words":9,"start":948.23,"end":963.205},{"sentences":[{"text":"That's so fine.","start":963.205,"end":964.085,"sentiment":"neutral","sentiment_score":-0.16931345065434775},{"text":"It was just funny.","start":964.085,"end":965.065,"sentiment":"neutral","sentiment_score":-0.2421114593744278},{"text":"So yeah.","start":969.285,"end":969.765,"sentiment":"neutral","sentiment_score":0.06543132662773134},{"text":"So if because if the house sells for a little bit more, then the figures are gonna be off anyway.","start":969.765,"end":974.79,"sentiment":"neutral","sentiment_score":-0.2759086169302464},{"text":"Like, the van is obviously what the van's gonna cost.","start":977.25,"end":979.25,"sentiment":"neutral","sentiment_score":-0.013953450694680214}],"sentiment":"neutral","sentiment_score":-0.17957000978864157,"num_words":39,"start":963.205,"end":979.25},{"sentences":[{"text":"You have that confirmed.","start":979.25,"end":980.47003,"sentiment":"neutral","sentiment_score":0.10463816672563553},{"text":"So it's just the house could sell for more.","start":980.85,"end":982.85,"sentiment":"neutral","sentiment_score":0.2650756537914276},{"text":"You could get a really good offer in.","start":982.85,"end":985.03,"sentiment":"positive","sentiment_score":0.5434767827391624},{"text":"Yeah.","start":1001.74,"end":1002.24,"sentiment":"neutral","sentiment_score":-0.004944832529872656},{"text":"So no.","start":1006.38,"end":1009.42,"sentiment":"neutral","sentiment_score":-0.03165191877633333}],"sentiment":"neutral","sentiment_score":0.2951582976190063,"num_words":24,"start":979.25,"end":1009.42},{"sentences":[{"text":"We we can.","start":1009.42,"end":1010.39996,"sentiment":"neutral","sentiment_score":-0.042028227200110756},{"text":"Oh, the sick oh, the oh, yeah.","start":1011.275,"end":1012.635,"sentiment":"neutral","sentiment_score":-0.07664485648274422},{"text":"The $6.04 $9.05.","start":1012.635,"end":1013.85504,"sentiment":"neutral","sentiment_score":-0.020149697239200275},{"text":"So we can sell, like, according to losses, and then, like, we can go, like, loss one month and a gain one month, or we can go CGT conscious to try and get CGT zero.","start":1014.47504,"end":1026.015,"sentiment":"neutral","sentiment_score":-0.00841626093855926},{"text":"Well, I mean, you're in a pension account, so not really relevant.","start":1027.48,"end":1030.2999,"sentiment":"neutral","sentiment_score":-0.2165127992630005}],"sentiment":"neutral","sentiment_score":-0.060262841545045374,"num_words":60,"start":1009.42,"end":1030.2999},{"sentences":[{"text":"But the biggest part is is that it'll end up putting you into an unbalanced position over the long term.","start":1031.0,"end":1038.7,"sentiment":"negative","sentiment_score":-0.35025115944445134},{"text":"Yeah.","start":1040.985,"end":1041.305,"sentiment":"neutral","sentiment_score":-0.04567079618573189},{"text":"Because and then you'll you'll be a little bit skew with what's the word?","start":1041.305,"end":1045.625,"sentiment":"neutral","sentiment_score":-0.0648156183638743},{"text":"I haven't used it long time.","start":1045.625,"end":1046.665,"sentiment":"neutral","sentiment_score":-0.13985448454817137},{"text":"You'll you'll end up being My mother would be proud.","start":1046.665,"end":1053.47,"sentiment":"neutral","sentiment_score":-0.02991321012377739}],"sentiment":"neutral","sentiment_score":-0.1783602284450157,"num_words":51,"start":1031.0,"end":1053.47},{"sentences":[{"text":"Yeah.","start":1054.33,"end":1054.83,"sentiment":"neutral","sentiment_score":-0.11459536850452424},{"text":"So you'll end up being a little bit off off kilter with respect to the balance of of all of your assets, and your returns aren't gonna be the same.","start":1055.05,"end":1066.03,"sentiment":"neutral","sentiment_score":-0.24961662739515306},{"text":"Correct.","start":1070.1749,"end":1070.6749,"sentiment":"neutral","sentiment_score":0.0071935467422008514},{"text":"Yeah.","start":1071.135,"end":1071.635,"sentiment":"neutral","sentiment_score":0.025449560955166817},{"text":"If it gets too far out too far out, it'll it'll get it'll get rebalanced.","start":1071.695,"end":1076.0349,"sentiment":"neutral","sentiment_score":-0.056197288632392886}],"sentiment":"neutral","sentiment_score":-0.17527938358640918,"num_words":48,"start":1054.33,"end":1076.0349},{"sentences":[{"text":"Very, very much.","start":1084.75,"end":1086.0499,"sentiment":"neutral","sentiment_score":0.04029515447715918},{"text":"Yeah.","start":1097.885,"end":1098.385,"sentiment":"neutral","sentiment_score":-0.04501551017165184},{"text":"No.","start":1101.165,"end":1101.405,"sentiment":"neutral","sentiment_score":-0.05769199877977371},{"text":"I I am very, very, very much confident in them.","start":1101.405,"end":1104.065,"sentiment":"positive","sentiment_score":0.7268006384372712},{"text":"The, like, gold prices have have shifted as well.","start":1105.98,"end":1109.5801,"sentiment":"positive","sentiment_score":0.5049236019452413}],"sentiment":"positive","sentiment_score":0.4929373648483306,"num_words":24,"start":1084.75,"end":1109.5801},{"sentences":[{"text":"They were doing fantastically, and and then, you know, so so silver took a massive dive.","start":1109.5801,"end":1114.8,"sentiment":"positive","sentiment_score":0.5308849066495895},{"text":"I am very much confident in terms of long term outcomes, which is why I'm comfortable to hold.","start":1115.5,"end":1123.165,"sentiment":"positive","sentiment_score":0.43353459156221813},{"text":"But at the same time, as we shift through, if there is anything that we wanna do little tweaks to, I will.","start":1123.165,"end":1130.385,"sentiment":"neutral","sentiment_score":0.014226618646220728},{"text":"And I'll just I'll call you up and say, hey.","start":1130.6051,"end":1133.1051,"sentiment":"neutral","sentiment_score":-0.07130933529697359},{"text":"I don't like this anymore.","start":1133.6,"end":1134.8,"sentiment":"neutral","sentiment_score":-0.28476532399654386}],"sentiment":"neutral","sentiment_score":0.20385699706729238,"num_words":71,"start":1109.5801,"end":1134.8},{"sentences":[{"text":"We're just gonna we're just gonna tweak.","start":1134.8,"end":1136.48,"sentiment":"neutral","sentiment_score":-0.07022863466824804},{"text":"We're gonna we're just gonna do a little shift.","start":1136.48,"end":1138.34,"sentiment":"neutral","sentiment_score":-0.03228853767116865},{"text":"Where and what cash?","start":1153.785,"end":1156.765,"sentiment":"neutral","sentiment_score":-0.026830467861145735},{"text":"Like, strategies?","start":1204.675,"end":1205.495,"sentiment":"neutral","sentiment_score":-0.04609946720302105},{"text":"Yep.","start":1206.755,"end":1207.255,"sentiment":"neutral","sentiment_score":-0.0826488509774208}],"sentiment":"neutral","sentiment_score":-0.04627682341505652,"num_words":23,"start":1134.8,"end":1207.255},{"sentences":[{"text":"Is it, like, make a non concessional contribution?","start":1234.22,"end":1239.34,"sentiment":"neutral","sentiment_score":-0.040854905266314745},{"text":"You'll have 30,000 less in your cash flow.","start":1239.34,"end":1241.02,"sentiment":"neutral","sentiment_score":-0.1012264434248209},{"text":"The cash account will not generate a high return compared to your other investments.","start":1241.02,"end":1244.32,"sentiment":"neutral","sentiment_score":-0.14474120257156237},{"text":"Well, the 300,000 will be in the cash account for all of a couple of days until it invest.","start":1247.135,"end":1252.355,"sentiment":"neutral","sentiment_score":0.031322810308713665},{"text":"Yes.","start":1253.855,"end":1254.355,"sentiment":"neutral","sentiment_score":0.0036549698561429977}],"sentiment":"neutral","sentiment_score":-0.05128478519618511,"num_words":50,"start":1234.22,"end":1254.355},{"sentences":[{"text":"Yeah.","start":1260.59,"end":1261.09,"sentiment":"neutral","sentiment_score":0.022190358489751816},{"text":"So once so, basically, like like I said, so the money has the the 300,000 or the the the proceeds from the house sale have to be paid into the accumulation account that I set up.","start":1261.31,"end":1271.775,"sentiment":"neutral","sentiment_score":0.032119147996935576},{"text":"That accumulation account will be open for as long as it takes for the cash to settle, which realistically should be forty eight hours, nothing less.","start":1271.855,"end":1279.4551,"sentiment":"neutral","sentiment_score":0.0708582098237597},{"text":"So once it leaves your account, it'll hit Hub twenty four pretty quickly within twenty four to forty eight.","start":1279.4551,"end":1284.515,"sentiment":"neutral","sentiment_score":0.22655769633619408},{"text":"It takes Hub twenty four less than twenty four hours to allocate it to your account because what if they have to wait for the funds to clear in their account first.","start":1284.5751,"end":1295.77,"sentiment":"neutral","sentiment_score":0.04743695829529315}],"sentiment":"neutral","sentiment_score":0.07757343892661626,"num_words":114,"start":1260.59,"end":1295.77},{"sentences":[{"text":"And then once it hits your account and it's available, I can then do that refresh.","start":1296.71,"end":1301.595,"sentiment":"neutral","sentiment_score":0.17046200390905142},{"text":"So it's only gonna be in cash in that account.","start":1301.975,"end":1304.395,"sentiment":"neutral","sentiment_score":0.16702068075537682},{"text":"It'll earn an interest rate the same as what your bank account's basically earning.","start":1304.695,"end":1309.095,"sentiment":"neutral","sentiment_score":0.22836481354066304},{"text":"So it's not gonna be much to muchness difference.","start":1309.095,"end":1312.395,"sentiment":"neutral","sentiment_score":0.1082525137397978},{"text":"It just is gonna be in the account.","start":1313.1749,"end":1315.8401,"sentiment":"neutral","sentiment_score":0.14025926031172276}],"sentiment":"neutral","sentiment_score":0.17001847308455853,"num_words":57,"start":1296.71,"end":1315.8401},{"sentences":[{"text":"And then once I do that, the bloop bloop from the pension, pull everything because the pension account has to close.","start":1316.78,"end":1324.06,"sentiment":"neutral","sentiment_score":-0.05988840279834611},{"text":"So the pension account will close.","start":1324.06,"end":1325.26,"sentiment":"neutral","sentiment_score":0.021250690333545208},{"text":"It'll go over to the accumulation account, pick everything up, brand new pension account, brand new setup with all of the new contribute pension withdrawal amounts and everything like that.","start":1325.26,"end":1339.975,"sentiment":"neutral","sentiment_score":0.07203628358741601},{"text":"Yep.","start":1340.035,"end":1340.4,"sentiment":"neutral","sentiment_score":0.107790969312191},{"text":"Now because we're gonna have so many accounts open for such a short period of time, what I wanna do, and if you're comfortable with it, is hold off on submitting any beneficiary nomination forms until the end.","start":1341.76,"end":1353.4601,"sentiment":"neutral","sentiment_score":0.13660303052318723}],"sentiment":"neutral","sentiment_score":0.06593377416720614,"num_words":96,"start":1316.78,"end":1353.4601},{"sentences":[{"text":"Or the other option is is that we can submit one for every single new account that we open.","start":1354.455,"end":1358.795,"sentiment":"neutral","sentiment_score":0.11236623949126194},{"text":"I'm comfortable with whatever you're comfortable with, but you're yes.","start":1359.015,"end":1366.87,"sentiment":"neutral","sentiment_score":0.11363348364830017},{"text":"Because it's a it's attached to your account.","start":1366.87,"end":1369.45,"sentiment":"neutral","sentiment_score":0.12454316392540932},{"text":"New account, new beneficiary form.","start":1369.75,"end":1371.6901,"sentiment":"neutral","sentiment_score":0.1467161327600479},{"text":"So I I'll send I'll send you the the forms out.","start":1373.83,"end":1376.23,"sentiment":"positive","sentiment_score":0.3439909260381352}],"sentiment":"neutral","sentiment_score":0.1657569726120751,"num_words":53,"start":1354.455,"end":1376.23},{"sentences":[{"text":"That's nice and easy.","start":1376.23,"end":1377.27,"sentiment":"positive","sentiment_score":0.6958708018064499},{"text":"I'll make sure that they're all sent out to you and the girl's details.","start":1377.27,"end":1382.7451,"sentiment":"neutral","sentiment_score":0.2932852788695267},{"text":"They are.","start":1383.9651,"end":1384.7051,"sentiment":"neutral","sentiment_score":0.0478020366281271},{"text":"Yes.","start":1387.005,"end":1387.505,"sentiment":"neutral","sentiment_score":0.128391832113266},{"text":"I mean, I can email it to you.","start":1387.885,"end":1389.0851,"sentiment":"neutral","sentiment_score":0.1682909894734621}],"sentiment":"neutral","sentiment_score":0.2917172735364273,"num_words":29,"start":1376.23,"end":1389.0851},{"sentences":[{"text":"You can print it.","start":1389.0851,"end":1389.805,"sentiment":"neutral","sentiment_score":0.18274302780628204},{"text":"You can get it signed.","start":1389.805,"end":1390.685,"sentiment":"neutral","sentiment_score":0.19856815338134765},{"text":"So we can do it pretty quickly.","start":1390.685,"end":1391.985,"sentiment":"positive","sentiment_score":0.34415397899491446},{"text":"But, yeah, once it's once it's like like, once the final pension account's set up, that's that's the one we're gonna roll with for long term.","start":1397.69,"end":1405.95,"sentiment":"neutral","sentiment_score":0.11435161645595844},{"text":"But, obviously, you're gonna have two other accounts set up in a small little interim period.","start":1406.57,"end":1411.595,"sentiment":"neutral","sentiment_score":0.05124626471661031}],"sentiment":"neutral","sentiment_score":0.1366547068002923,"num_words":58,"start":1389.0851,"end":1411.595},{"sentences":[{"text":"Hub twenty four as a base have a a state allocation.","start":1413.815,"end":1423.05,"sentiment":"neutral","sentiment_score":0.05824819816784425},{"text":"So that means that if anything were to happen, they would direct the funds to your estate.","start":1423.51,"end":1430.01,"sentiment":"neutral","sentiment_score":0.05247935652732849},{"text":"So if you don't have a beneficiary on either of those accounts and something happened to you, it's an estate 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everything that we're doing.","start":1529.1499,"end":1535.3099,"sentiment":"neutral","sentiment_score":-0.16086749148301102},{"text":"So we do charge that fee.","start":1535.3099,"end":1537.57,"sentiment":"neutral","sentiment_score":0.15671671306093535},{"text":"If you're comfortable, you can pay for it out of pocket rather than the super 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all.","start":1563.68,"end":1564.42,"sentiment":"neutral","sentiment_score":-0.32394195596377057},{"text":"Not at all.","start":1565.2151,"end":1565.8551,"sentiment":"neutral","sentiment_score":-0.2467352350552877},{"text":"No.","start":1565.8551,"end":1566.255,"sentiment":"neutral","sentiment_score":-0.1626024842262268},{"text":"It's I I know that it's reiterated twice in the document, and it's re it's Mhmm.","start":1566.255,"end":1586.83,"sentiment":"neutral","sentiment_score":-0.06466594059020281},{"text":"No.","start":1586.83,"end":1587.33,"sentiment":"neutral","sentiment_score":-0.1393519639968872}],"sentiment":"neutral","sentiment_score":-0.12702671128014723,"num_words":24,"start":1563.68,"end":1587.33},{"sentences":[{"text":"It's capped at $9.09.","start":1587.3899,"end":1589.1699,"sentiment":"neutral","sentiment_score":-0.10119016095995903},{"text":"Your $4.09 $5.00, that's the that's the on that that's our initial fee cap.","start":1594.975,"end":1600.835,"sentiment":"neutral","sentiment_score":-0.07435611023434571},{"text":"Yeah.","start":1602.03,"end":1602.53,"sentiment":"neutral","sentiment_score":-0.0016822107136249542},{"text":"Yes.","start":1606.11,"end":1606.61,"sentiment":"neutral","sentiment_score":0.03945768624544144},{"text":"Oakview.","start":1609.7101,"end":1610.2101,"sentiment":"neutral","sentiment_score":0.04949113726615906}],"sentiment":"neutral","sentiment_score":-0.06468950353917621,"num_words":21,"start":1587.3899,"end":1610.2101},{"sentences":[{"text":"Correct.","start":1611.0701,"end":1611.5701,"sentiment":"neutral","sentiment_score":0.01963101699948311},{"text":"The 10 k, that's our ongoing advice fee.","start":1632.7001,"end":1635.4401,"sentiment":"neutral","sentiment_score":-0.059020246379077435},{"text":"The 1.65%.","start":1636.38,"end":1638.16,"sentiment":"neutral","sentiment_score":-0.0341003080829978},{"text":"Because you you currently pay 1.65% in an ongoing advice fee.","start":1639.1849,"end":1643.125,"sentiment":"neutral","sentiment_score":-0.047431440515951676},{"text":"9,900.","start":1646.5449,"end":1647.9249,"sentiment":"neutral","sentiment_score":-0.03598445653915405}],"sentiment":"neutral","sentiment_score":-0.046889646626684975,"num_words":23,"start":1611.0701,"end":1647.9249},{"sentences":[{"text":"It it ends up being a like, because you the like, it would end up being less than 1.65% because it's capped.","start":1663.615,"end":1672.415,"sentiment":"neutral","sentiment_score":-0.14911748096346855},{"text":"Yep.","start":1672.415,"end":1672.915,"sentiment":"neutral","sentiment_score":-0.03167025372385979},{"text":"The cap is 600,000 in terms of balance.","start":1678.75,"end":1681.73,"sentiment":"neutral","sentiment_score":-0.15490841213613749},{"text":"Yep.","start":1698.125,"end":1698.625,"sentiment":"neutral","sentiment_score":-0.1162768378853798},{"text":"But the good thing is is you have full access to myself or Tommy as well to be able to assist you with any questions and anything.","start":1728.89,"end":1738.205,"sentiment":"positive","sentiment_score":0.6596429535636196}],"sentiment":"neutral","sentiment_score":0.22275526739530643,"num_words":59,"start":1663.615,"end":1738.205},{"sentences":[{"text":"And I'm gonna be very, very much on top of making sure that everything goes very smoothly throughout the whole implementation of this to make sure that you get the most out of everything.","start":1738.505,"end":1749.02,"sentiment":"positive","sentiment_score":0.7496782891890582},{"text":"And then I'm here to hold your hand when we hit 67, and we can jump straight into Social Security as well and and getting Social Security benefits.","start":1749.32,"end":1760.375,"sentiment":"positive","sentiment_score":0.3549647799560002},{"text":"I can help you fill out all the forms for it and everything like that.","start":1760.375,"end":1763.515,"sentiment":"neutral","sentiment_score":0.2755504975716273},{"text":"So I had I I did have a look at Social Security.","start":1781.7001,"end":1784.4401,"sentiment":"neutral","sentiment_score":-0.010707087038705746},{"text":"You could look at going on JobSeeker.","start":1784.9,"end":1788.955,"sentiment":"neutral","sentiment_score":0.023413302110774175}],"sentiment":"positive","sentiment_score":0.4124660542195973,"num_words":96,"start":1738.505,"end":1788.955},{"sentences":[{"text":"You'd need to wait a couple of months to apply because you voluntarily resigned.","start":1789.415,"end":1797.4349,"sentiment":"neutral","sentiment_score":-0.059212307745058625},{"text":"So you could choose to, like, leave work and and sorry.","start":1797.975,"end":1803.26,"sentiment":"neutral","sentiment_score":-0.05963943661613898},{"text":"You could choose to, oh, apply.","start":1803.26,"end":1806.0,"sentiment":"neutral","sentiment_score":-0.004070007397482793},{"text":"Medically, you wouldn't get an exemption because you're you're a healthy woman.","start":1807.18,"end":1812.3201,"sentiment":"neutral","sentiment_score":0.016987116386493046},{"text":"So it does mean that they're gonna have a work requirement of you, which means that you're gonna have to apply for jobs.","start":1814.445,"end":1819.505,"sentiment":"neutral","sentiment_score":0.005176529672968647}],"sentiment":"neutral","sentiment_score":-0.017977584492076527,"num_words":66,"start":1789.415,"end":1819.505},{"sentences":[{"text":"You're gonna have to meet with, like I call them work counselors.","start":1821.085,"end":1824.865,"sentiment":"neutral","sentiment_score":0.0001350312183300654},{"text":"I'm sure they have another name for them, but people that try and set people up with jobs.","start":1824.925,"end":1829.1,"sentiment":"neutral","sentiment_score":0.0003195842048929383},{"text":"And you, like, you may have to volunteer stuff like that.","start":1831.1,"end":1835.66,"sentiment":"neutral","sentiment_score":0.028848260979760777},{"text":"So it's going to really impact on your your life and travel plans.","start":1835.66,"end":1841.0399,"sentiment":"neutral","sentiment_score":0.10658601442208657},{"text":"So it becomes a little bit painful in that area, but it's definitely still an avenue you could explore.","start":1843.945,"end":1850.285,"sentiment":"neutral","sentiment_score":-0.07057039047542371}],"sentiment":"neutral","sentiment_score":0.005061431911499686,"num_words":73,"start":1821.085,"end":1850.285},{"sentences":[{"text":"But it's not one that I see as being an easy avenue for you and for your retirement.","start":1851.945,"end":1856.605,"sentiment":"neutral","sentiment_score":-0.2540094904187653},{"text":"S s o statement advice.","start":1878.395,"end":1880.155,"sentiment":"neutral","sentiment_score":0.014672849513590335},{"text":"S o a.","start":1880.155,"end":1880.635,"sentiment":"neutral","sentiment_score":0.017554609725872677},{"text":"Yeah.","start":1880.635,"end":1881.135,"sentiment":"neutral","sentiment_score":0.0943056344985962},{"text":"You don't have to you don't have to print it.","start":1881.85,"end":1883.13,"sentiment":"neutral","sentiment_score":0.08482489474117756}],"sentiment":"neutral","sentiment_score":-0.09469157213194145,"num_words":37,"start":1851.945,"end":1883.13},{"sentences":[{"text":"You can print it if you want to.","start":1883.13,"end":1884.6699,"sentiment":"neutral","sentiment_score":0.1042094063013792},{"text":"We're actually able to sign it on the computer if you're comfortable to do so.","start":1884.73,"end":1893.645,"sentiment":"neutral","sentiment_score":0.16250582064191502},{"text":"It's weird.","start":1899.165,"end":1899.885,"sentiment":"neutral","sentiment_score":-0.05898251384496689},{"text":"You can you can definitely print it.","start":1899.885,"end":1901.905,"sentiment":"neutral","sentiment_score":0.10730961603777749},{"text":"If you'd like, I can email it to you so it's a bit easier for you to print.","start":1902.285,"end":1905.66,"sentiment":"neutral","sentiment_score":0.1713678538799286}],"sentiment":"neutral","sentiment_score":0.13978172428905963,"num_words":50,"start":1883.13,"end":1905.66},{"sentences":[{"text":"I can email it all to you, and you can sign it.","start":1906.86,"end":1909.3401,"sentiment":"neutral","sentiment_score":0.22823543722430864},{"text":"There's a few pages to sign on the application form for Hub 24.","start":1909.3401,"end":1912.7201,"sentiment":"neutral","sentiment_score":0.05193803975215325},{"text":"Yep.","start":1930.4099,"end":1930.9099,"sentiment":"neutral","sentiment_score":0.036468587815761566},{"text":"Yeah.","start":1932.25,"end":1932.75,"sentiment":"neutral","sentiment_score":0.12761995196342468},{"text":"Definitely.","start":1935.5299,"end":1936.0299,"sentiment":"neutral","sentiment_score":0.2299504727125168}],"sentiment":"neutral","sentiment_score":0.13600209914147854,"num_words":28,"start":1906.86,"end":1936.0299},{"sentences":[{"text":"Can you do me a favor?","start":1936.33,"end":1937.5299,"sentiment":"neutral","sentiment_score":0.1710884397228559},{"text":"While we're on the phone, your bank account details, are you a 100% okay.","start":1937.5299,"end":1946.135,"sentiment":"neutral","sentiment_score":0.07842926335121904},{"text":"Fantastic.","start":1946.275,"end":1946.775,"sentiment":"positive","sentiment_score":0.55625981092453},{"text":"I'm just always really cautious.","start":1946.995,"end":1948.295,"sentiment":"neutral","sentiment_score":0.05691418945789337},{"text":"So what I'll do is I'll email you the do you want just the print pay the the pages to sign?","start":1948.675,"end":1954.215,"sentiment":"neutral","sentiment_score":0.05919469467231205}],"sentiment":"neutral","sentiment_score":0.08954169514014367,"num_words":47,"start":1936.33,"end":1954.215},{"sentences":[{"text":"Yes.","start":1970.7051,"end":1970.9451,"sentiment":"neutral","sentiment_score":0.049519553780555725},{"text":"If you click on sign documents, you can sign it through there.","start":1970.9451,"end":1974.645,"sentiment":"neutral","sentiment_score":0.040299669839441776},{"text":"Yeah.","start":1985.52,"end":1985.8401,"sentiment":"neutral","sentiment_score":0.020715735852718353},{"text":"Yeah.","start":1985.8401,"end":1986.0801,"sentiment":"neutral","sentiment_score":0.016718560829758644},{"text":"It's just the the last pages.","start":1986.0801,"end":1987.52,"sentiment":"neutral","sentiment_score":0.003228582131365935}],"sentiment":"neutral","sentiment_score":0.028091494348787126,"num_words":21,"start":1970.7051,"end":1987.52},{"sentences":[{"text":"So there's I mean, some of them are, like, the second last pages, but yeah.","start":1987.52,"end":1991.715,"sentiment":"neutral","sentiment_score":-0.0011994676974912484},{"text":"No.","start":2001.315,"end":2001.635,"sentiment":"neutral","sentiment_score":-0.052826471626758575},{"text":"It's fine.","start":2001.635,"end":2002.195,"sentiment":"positive","sentiment_score":0.45244458317756653},{"text":"It's it's it's they're nominal.","start":2002.195,"end":2004.5349,"sentiment":"neutral","sentiment_score":-0.05226707458496094},{"text":"Like, I'm not concerned about the mortgage is gonna be cleared out anyway.","start":2004.6749,"end":2008.8601,"sentiment":"neutral","sentiment_score":-0.20981859559049973}],"sentiment":"neutral","sentiment_score":-0.059858512120424874,"num_words":36,"start":1987.52,"end":2008.8601},{"sentences":[{"text":"So if it's $2.00 9 or $2.90, still can't believe I did that.","start":2008.8601,"end":2012.0,"sentiment":"neutral","sentiment_score":-0.2821994355091682},{"text":"It's fine, and we'll update things and touch base when the house sells anyway.","start":2012.62,"end":2017.7401,"sentiment":"positive","sentiment_score":0.3473219477704593},{"text":"Because if the house sells for more, then things might change there.","start":2017.7401,"end":2022.16,"sentiment":"neutral","sentiment_score":-0.09994935741027196},{"text":"You're on choice.","start":2048.045,"end":2048.845,"sentiment":"neutral","sentiment_score":0.041883556793133415},{"text":"That's the that's the menu option for hub twenty four.","start":2048.845,"end":2051.645,"sentiment":"neutral","sentiment_score":0.03774886596947909}],"sentiment":"neutral","sentiment_score":0.009570416313810991,"num_words":52,"start":2008.8601,"end":2051.645},{"sentences":[{"text":"They have three different menus.","start":2051.645,"end":2053.025,"sentiment":"neutral","sentiment_score":0.02741025798022747},{"text":"Each of the menus have different investment options.","start":2053.405,"end":2055.985,"sentiment":"neutral","sentiment_score":0.018343504634685814},{"text":"Yeah.","start":2058.125,"end":2058.625,"sentiment":"neutral","sentiment_score":0.055166035890579224},{"text":"It's the one that has the the largest investment offerings.","start":2070.06,"end":2073.18,"sentiment":"neutral","sentiment_score":-0.02660769149661064},{"text":"Yes.","start":2073.18,"end":2073.68,"sentiment":"neutral","sentiment_score":0.056868698447942734}],"sentiment":"neutral","sentiment_score":0.005190285854041576,"num_words":25,"start":2051.645,"end":2073.68},{"sentences":[{"text":"No.","start":2095.99,"end":2096.49,"sentiment":"neutral","sentiment_score":-0.09651707112789154},{"text":"We just may do an update later depending on what they have sales for.","start":2097.43,"end":2101.005,"sentiment":"neutral","sentiment_score":-0.03438776119479111},{"text":"Okay.","start":2119.9,"end":2120.3,"sentiment":"neutral","sentiment_score":0.023578770458698273},{"text":"I will I will email you the pages, and I can just email you the the print pages.","start":2120.3,"end":2126.96,"sentiment":"neutral","sentiment_score":0.06891727302637365},{"text":"No.","start":2129.7148,"end":2130.035,"sentiment":"neutral","sentiment_score":-0.07165221124887466}],"sentiment":"neutral","sentiment_score":0.01755690702370235,"num_words":35,"start":2095.99,"end":2130.035},{"sentences":[{"text":"That's okay.","start":2130.035,"end":2130.9348,"sentiment":"neutral","sentiment_score":0.11778721585869789},{"text":"Absolutely.","start":2130.9949,"end":2131.4949,"sentiment":"positive","sentiment_score":0.3399967551231384},{"text":"Oh, yes.","start":2142.29,"end":2143.19,"sentiment":"neutral","sentiment_score":0.04788416717201471},{"text":"So so because because we're doing the cash out retontribution of the 120, we talked about possibly converting some of the money into concessional to save you on tax depending on how your income like, your return goes.","start":2144.05,"end":2160.335,"sentiment":"neutral","sentiment_score":-0.0048879837911379965},{"text":"Normally, I could say with certainty, do it for this amount.","start":2160.555,"end":2164.495,"sentiment":"neutral","sentiment_score":-0.04360143400051377}],"sentiment":"neutral","sentiment_score":0.0001107474651049682,"num_words":54,"start":2130.035,"end":2164.495},{"sentences":[{"text":"But because your your income's 40,000 and then you've got your 16,000 of fringe benefits, and you said you had between 7 and 8,000 you could claim on, you're already sitting pretty low in the tax brackets.","start":2164.73,"end":2175.5498,"sentiment":"neutral","sentiment_score":0.10455969303242259},{"text":"I didn't think there was anything too much that we could do in that realm.","start":2175.93,"end":2180.8452,"sentiment":"neutral","sentiment_score":0.03887340128421783},{"text":"So I just I recommend, like, go to when you sit down with your accountant, just let them know, hey.","start":2180.8452,"end":2186.205,"sentiment":"positive","sentiment_score":0.4847389116883278},{"text":"I've put a $120,000 into my super fund this year.","start":2186.205,"end":2189.2651,"sentiment":"positive","sentiment_score":0.5509855687618256},{"text":"Should I claim any of it and do a word of intent and and convert it from nonconcessional into concessional and save on tax?","start":2189.5652,"end":2199.8198,"sentiment":"neutral","sentiment_score":0.2514740725358327}],"sentiment":"neutral","sentiment_score":0.24237567286516698,"num_words":106,"start":2164.73,"end":2199.8198},{"sentences":[{"text":"Is there anything we can do to save more tax personally?","start":2199.8198,"end":2202.3198,"sentiment":"neutral","sentiment_score":0.28618627380241046},{"text":"So it's just it's a conversation with your accountant.","start":2204.06,"end":2206.415,"sentiment":"neutral","sentiment_score":0.17605179217126635},{"text":"So it's not something I can tell you a figure on.","start":2206.475,"end":2209.0352,"sentiment":"neutral","sentiment_score":-0.05619747733527964},{"text":"Normally, I would, but your income's in that weird bracket.","start":2209.0352,"end":2211.935,"sentiment":"neutral","sentiment_score":-0.06777544966898859},{"text":"As as concessional.","start":2224.97,"end":2225.8699,"sentiment":"neutral","sentiment_score":-0.0032352907583117485}],"sentiment":"neutral","sentiment_score":0.07788369367534126,"num_words":44,"start":2199.8198,"end":2225.8699},{"sentences":[{"text":"So is there anything that we should claim concessionally and save on tax?","start":2226.01,"end":2233.7148,"sentiment":"neutral","sentiment_score":0.14807772349852782},{"text":"I don't think there's going to be, to be completely honest, but it's still a good conversation to have with your accountant.","start":2234.015,"end":2238.915,"sentiment":"neutral","sentiment_score":0.14601925523443657},{"text":"And when you meet with your accountant, I'm more than happy if you wanna give me a call when you're in the room with the accountant.","start":2243.4202,"end":2249.36,"sentiment":"positive","sentiment_score":0.44791770096008593},{"text":"Yep.","start":2261.7952,"end":2262.2952,"sentiment":"neutral","sentiment_score":0.1640000343322754},{"text":"Yeah.","start":2262.835,"end":2263.335,"sentiment":"neutral","sentiment_score":0.2100292146205902}],"sentiment":"neutral","sentiment_score":0.27233846816751694,"num_words":63,"start":2226.01,"end":2263.335},{"sentences":[{"text":"Yeah.","start":2266.7551,"end":2267.155,"sentiment":"neutral","sentiment_score":0.28551381826400757},{"text":"Well, I'm happy that if if when you go to do tax time, I can send an email to to outline things, and you can just include that email and and send it off to the accountant, and the accountant's able to come back to me.","start":2267.155,"end":2278.9,"sentiment":"positive","sentiment_score":0.38869129704392474},{"text":"It it'll be the accountant will basically do your tax return.","start":2282.4548,"end":2286.2349,"sentiment":"neutral","sentiment_score":0.23639305477792566},{"text":"At the end of the tax return, they'll be like, oh, well, we could we could claim the money that you've put into your super fund.","start":2286.295,"end":2293.035,"sentiment":"neutral","sentiment_score":-0.002622068429795595},{"text":"And what will happen is the money you put into your super fund, the $1.20, we submit what is called a notice of intention to claim or vary a contribution as a deduction, or we just call it notice of intent because the name is ridiculous.","start":2293.335,"end":2306.1501,"sentiment":"neutral","sentiment_score":0.0011781588115769885}],"sentiment":"neutral","sentiment_score":0.15962814316153526,"num_words":130,"start":2266.7551,"end":2306.1501},{"sentences":[{"text":"And what happens is you write a specific amount down and you convert that from non concessional into concessional, which means that the super fund pays 15% tax, and then you get to claim that amount back on your tax return.","start":2307.8901,"end":2320.215,"sentiment":"neutral","sentiment_score":0.03852308405245223},{"text":"So it only really works if you're gonna you're intending on paying less than 50, more than 15% tax personally because, otherwise, you're paying 15% tax in the super funds and less personally.","start":2321.635,"end":2333.28,"sentiment":"neutral","sentiment_score":0.012240303285194166},{"text":"So it only works out if the numbers work out.","start":2333.28,"end":2336.82,"sentiment":"neutral","sentiment_score":0.09747046753764152},{"text":"Correct.","start":2342.005,"end":2342.505,"sentiment":"neutral","sentiment_score":-0.002996094524860382},{"text":"You still there?","start":2361.94,"end":2362.82,"sentiment":"neutral","sentiment_score":-0.17188018560409546}],"sentiment":"neutral","sentiment_score":0.027720959984104742,"num_words":88,"start":2307.8901,"end":2362.82},{"sentences":[{"text":"Oh, there you are.","start":2362.82,"end":2364.04,"sentiment":"neutral","sentiment_score":-0.08502382412552834},{"text":"I'm not adjusting anything.","start":2376.63,"end":2390.25,"sentiment":"neutral","sentiment_score":-0.24083047360181808},{"text":"Oh, like because car like, currently, your fund has, like, 28.4% sitting in, like, iShares S and P, and then there's, like, 20.4% sitting in data shares, but I'm gonna have it at thirty and twenty respectively.","start":2405.27,"end":2420.095,"sentiment":"neutral","sentiment_score":-0.05193538183497416},{"text":"So the the numbers are a little bit off in terms of, you know, you hold slightly higher in some of the assets than what I would Yep.","start":2420.635,"end":2479.5051,"sentiment":"neutral","sentiment_score":-0.2756672286694603},{"text":"Right.","start":2487.5,"end":2488.0,"sentiment":"neutral","sentiment_score":0.000021011879653087817}],"sentiment":"neutral","sentiment_score":-0.14788767175227926,"num_words":74,"start":2362.82,"end":2488.0},{"sentences":[{"text":"Yes.","start":2488.06,"end":2488.56,"sentiment":"neutral","sentiment_score":0.03630704805254936},{"text":"Okay.","start":2488.8599,"end":2489.3599,"sentiment":"neutral","sentiment_score":0.01847584918141365},{"text":"No.","start":2489.66,"end":2489.9,"sentiment":"neutral","sentiment_score":-0.045615628361701965},{"text":"No.","start":2489.9,"end":2490.14,"sentiment":"neutral","sentiment_score":-0.10543462634086607},{"text":"You're okay.","start":2490.14,"end":2490.96,"sentiment":"neutral","sentiment_score":0.00536945927888155}],"sentiment":"neutral","sentiment_score":-0.014254739818473654,"num_words":6,"start":2488.06,"end":2490.96},{"sentences":[{"text":"Yeah.","start":2492.22,"end":2492.72,"sentiment":"neutral","sentiment_score":0.2041591852903366},{"text":"No.","start":2496.3252,"end":2496.725,"sentiment":"neutral","sentiment_score":-0.06538468599319458},{"text":"No.","start":2496.725,"end":2496.965,"sentiment":"neutral","sentiment_score":-0.09072515368461607},{"text":"No.","start":2496.965,"end":2497.125,"sentiment":"neutral","sentiment_score":-0.0952981412410736},{"text":"That's so fine.","start":2497.125,"end":2498.0051,"sentiment":"neutral","sentiment_score":0.11742828538020451}],"sentiment":"neutral","sentiment_score":0.04357658007315228,"num_words":7,"start":2492.22,"end":2498.0051},{"sentences":[{"text":"Okay.","start":2498.0051,"end":2498.5051,"sentiment":"neutral","sentiment_score":0.06448468565940857},{"text":"Now that I understand.","start":2498.8052,"end":2499.7852,"sentiment":"neutral","sentiment_score":0.035045646131038666},{"text":"So risk profile wise, we we set parameters for what like, in each risk profile, what we aim to sort of hit.","start":2500.165,"end":2508.665,"sentiment":"neutral","sentiment_score":-0.004868947392837567},{"text":"In terms of where we're currently sitting, I am sitting a little bit heavier in internationally than what I am Australian equities wise, and that's just because the international has the better cushion than what the Australian does.","start":2510.8298,"end":2524.13,"sentiment":"neutral","sentiment_score":-0.03880284961901213},{"text":"As markets move and and transition, we may ebb the other way.","start":2525.375,"end":2530.275,"sentiment":"neutral","sentiment_score":0.00505894492380321}],"sentiment":"neutral","sentiment_score":-0.017094162583060853,"num_words":77,"start":2498.0051,"end":2530.275},{"sentences":[{"text":"But right this second, the international just has the the better the cushion for the market doing what it's doing.","start":2530.335,"end":2536.6748,"sentiment":"neutral","sentiment_score":0.1030838867649436},{"text":"Yeah.","start":2537.9348,"end":2538.4348,"sentiment":"neutral","sentiment_score":0.035384051501750946},{"text":"No.","start":2550.18,"end":2550.42,"sentiment":"neutral","sentiment_score":-0.0894443541765213},{"text":"That's okay.","start":2550.42,"end":2551.16,"sentiment":"neutral","sentiment_score":-0.00028352998197078705},{"text":"So you have BHYB.","start":2551.22,"end":2554.925,"sentiment":"neutral","sentiment_score":0.0481801750138402}],"sentiment":"neutral","sentiment_score":0.0785632525969829,"num_words":28,"start":2530.335,"end":2554.925},{"sentences":[{"text":"You have IAF.","start":2555.705,"end":2556.7651,"sentiment":"neutral","sentiment_score":0.05022365599870682},{"text":"They are both alternative assets.","start":2557.465,"end":2559.965,"sentiment":"neutral","sentiment_score":0.03382780142128468},{"text":"So in the risk profile, we look to have, you know, like, between, basically, 20% sitting defensively, but we have a variance of, like, 10% either either way.","start":2561.385,"end":2572.5698,"sentiment":"neutral","sentiment_score":0.008616373915823974},{"text":"So as the market moves, we may kind of move a little bit more heavily into defensive assets, and we can have a variance within that risk profile of 10% leeway within each of those positions.","start":2572.5698,"end":2588.0051,"sentiment":"neutral","sentiment_score":0.011479109189369611},{"text":"So for, like, the defense of assets, we're hitting pretty much the on point.","start":2589.425,"end":2593.125,"sentiment":"neutral","sentiment_score":0.07104178012481757}],"sentiment":"neutral","sentiment_score":0.0228942011315159,"num_words":86,"start":2555.705,"end":2593.125},{"sentences":[{"text":"We don't have any fixed interest in the portfolio when, obviously, we're not aiming to have any cash.","start":2593.45,"end":2597.79,"sentiment":"neutral","sentiment_score":-0.02147877064029065},{"text":"The account itself will have about 1.2% cash.","start":2599.37,"end":2602.49,"sentiment":"neutral","sentiment_score":0.013067675288766623},{"text":"It always has 1.2 percent cash in the cash account.","start":2602.49,"end":2606.9849,"sentiment":"neutral","sentiment_score":0.015331184305250645},{"text":"But outside of that, we're not looking to have anything else.","start":2606.9849,"end":2609.805,"sentiment":"neutral","sentiment_score":-0.056965977969494735},{"text":"No.","start":2648.07,"end":2648.31,"sentiment":"neutral","sentiment_score":-0.12645882368087769}],"sentiment":"neutral","sentiment_score":-0.018371858489748167,"num_words":48,"start":2593.45,"end":2648.31},{"sentences":[{"text":"That's okay.","start":2648.31,"end":2649.1301,"sentiment":"neutral","sentiment_score":-0.007196996361017231},{"text":"Okay.","start":2667.7349,"end":2668.2349,"sentiment":"neutral","sentiment_score":0.011843472719192503},{"text":"Yes.","start":2674.9102,"end":2675.31,"sentiment":"neutral","sentiment_score":0.023951658979058266},{"text":"I emailed you, and then I realized that an email and a text is two different things, so I text you as well.","start":2675.31,"end":2679.49,"sentiment":"neutral","sentiment_score":-0.05621858860325554},{"text":"No.","start":2682.67,"end":2682.99,"sentiment":"neutral","sentiment_score":-0.1956920623779297}],"sentiment":"neutral","sentiment_score":-0.05240423075987825,"num_words":28,"start":2648.31,"end":2682.99},{"sentences":[{"text":"You're fine.","start":2682.99,"end":2683.81,"sentiment":"neutral","sentiment_score":-0.13619110360741615},{"text":"And what I'll do is I'll I'll literally I'll I'll pull the pages out, and I'll I'll email them through to you.","start":2689.0352,"end":2694.495,"sentiment":"neutral","sentiment_score":-0.10200866853648966},{"text":"I lied.","start":2695.995,"end":2696.635,"sentiment":"negative","sentiment_score":-0.3562853932380676},{"text":"It's actually my day off.","start":2696.635,"end":2697.595,"sentiment":"neutral","sentiment_score":-0.2575840175151825},{"text":"I'm gonna get someone else to email them through to you.","start":2697.595,"end":2699.915,"sentiment":"neutral","sentiment_score":-0.22665892676873642}],"sentiment":"neutral","sentiment_score":-0.1669121900839465,"num_words":42,"start":2682.99,"end":2699.915},{"sentences":[{"text":"So It's fine.","start":2699.915,"end":2705.53,"sentiment":"neutral","sentiment_score":-0.03783195372670889},{"text":"I'm I'm online.","start":2705.83,"end":2707.27,"sentiment":"neutral","sentiment_score":0.014992651684830586},{"text":"So what I'll do is I'll email my team and get my team to email you the pages that you need.","start":2707.27,"end":2713.05,"sentiment":"neutral","sentiment_score":0.052564695566183046},{"text":"Okay?","start":2713.35,"end":2713.85,"sentiment":"neutral","sentiment_score":0.025035962462425232},{"text":"Do not apologize at all.","start":2716.815,"end":2718.835,"sentiment":"neutral","sentiment_score":-0.027355405688285827}],"sentiment":"neutral","sentiment_score":0.027987867720763792,"num_words":33,"start":2699.915,"end":2718.835},{"sentences":[{"text":"I am so happy to have been able to solve it all and get all the questions answered.","start":2719.055,"end":2723.715,"sentiment":"positive","sentiment_score":0.5467346873548296},{"text":"It was my choice to allow a call today, so it's fine.","start":2723.855,"end":2727.7898,"sentiment":"neutral","sentiment_score":0.2308266100784143},{"text":"Just know that I'm still in my pajama pants.","start":2727.7898,"end":2729.73,"sentiment":"neutral","sentiment_score":-0.04738463171654277},{"text":"No.","start":2736.8298,"end":2737.23,"sentiment":"neutral","sentiment_score":-0.04339755326509476},{"text":"My pleasure.","start":2737.23,"end":2737.97,"sentiment":"neutral","sentiment_score":0.05907497555017471}],"sentiment":"neutral","sentiment_score":0.2918912953741494,"num_words":42,"start":2719.055,"end":2737.97},{"sentences":[{"text":"Yeah.","start":2746.925,"end":2747.325,"sentiment":"neutral","sentiment_score":0.020780233666300777},{"text":"Just reply straight to the to who sent it to you, and they will start the administration.","start":2747.325,"end":2751.905,"sentiment":"neutral","sentiment_score":0.0283018740661004},{"text":"They'll be in touch with me today, and I'll just make sure that everything gets triggered the way it needs to.","start":2752.2852,"end":2757.54,"sentiment":"neutral","sentiment_score":0.06469934779618468},{"text":"The one thing I haven't told you, which I do need to, is your bank account details.","start":2757.6,"end":2762.64,"sentiment":"neutral","sentiment_score":-0.010644761955036837},{"text":"Because they've never been applied to the account before, you will get a call from Hub twenty four within the next couple of days to verify them.","start":2762.64,"end":2768.98,"sentiment":"neutral","sentiment_score":0.0040903012785646654}],"sentiment":"neutral","sentiment_score":0.021567175636090428,"num_words":83,"start":2746.925,"end":2768.98},{"sentences":[{"text":"Okay?","start":2769.7349,"end":2770.2349,"sentiment":"neutral","sentiment_score":0.013847490772604942},{"text":"So yes.","start":2772.375,"end":2773.7349,"sentiment":"neutral","sentiment_score":0.14382254332304},{"text":"Yeah.","start":2773.7349,"end":2774.1348,"sentiment":"neutral","sentiment_score":0.12097041308879852},{"text":"Very, very much normal.","start":2774.1348,"end":2775.095,"sentiment":"neutral","sentiment_score":0.10572642926126719},{"text":"Just a security measure to make sure that the bank account details are correct and everything's fine.","start":2775.095,"end":2779.9949,"sentiment":"positive","sentiment_score":0.3975900516790502}],"sentiment":"neutral","sentiment_score":0.3041759834438562,"num_words":25,"start":2769.7349,"end":2779.9949},{"sentences":[{"text":"Okay.","start":2780.295,"end":2780.795,"sentiment":"positive","sentiment_score":0.4387622773647308},{"text":"I normally know before they even try and call you anyway.","start":2790.8801,"end":2794.4202,"sentiment":"neutral","sentiment_score":-0.019629784605719826},{"text":"So I'll just I'll literally email you, text you, call you, and say, hey.","start":2794.575,"end":2799.075,"sentiment":"neutral","sentiment_score":0.19631253661853926},{"text":"They wanna verify details.","start":2799.535,"end":2800.9949,"sentiment":"neutral","sentiment_score":0.17037655040621758},{"text":"You can call them on this number, and it's this reference number that you need a quote.","start":2801.055,"end":2805.075,"sentiment":"neutral","sentiment_score":0.23096905824016123}],"sentiment":"neutral","sentiment_score":0.1612593691716803,"num_words":47,"start":2780.295,"end":2805.075},{"sentences":[{"text":"That way you can do the reaching out rather than waiting for them.","start":2806.095,"end":2808.57,"sentiment":"neutral","sentiment_score":0.23507327643724588},{"text":"It's quicker that way.","start":2808.57,"end":2811.31,"sentiment":"neutral","sentiment_score":0.28617629781365395},{"text":"That's okay.","start":2812.57,"end":2813.47,"sentiment":"positive","sentiment_score":0.5951343476772308},{"text":"My pleasure.","start":2813.6902,"end":2814.4302,"sentiment":"positive","sentiment_score":0.7914478480815887},{"text":"That's okay.","start":2818.09,"end":2818.6501,"sentiment":"positive","sentiment_score":0.48805907368659973}],"sentiment":"positive","sentiment_score":0.34564957929694134,"num_words":23,"start":2806.095,"end":2818.6501},{"sentences":[{"text":"I'll talk to you soon, Carol.","start":2818.6501,"end":2820.03,"sentiment":"positive","sentiment_score":0.39443741242090863},{"text":"Bye.","start":2822.49,"end":2822.99,"sentiment":"neutral","sentiment_score":-0.10381630808115004}],"sentiment":"neutral","sentiment_score":0.3232583094920431,"num_words":7,"start":2818.6501,"end":2822.99}]}}]},{"alternatives":[{"transcript":"Hi. Carol speaking. Morning. Sorry. My laptop has decided now is the time that it is going to update. But it's just it just said it's restarting. So okay. Okay. I can hardly hear you just saying. You're on I can I can imagine? It's an early start for you. Thank you. Yes. Yes. Okay. Yes. Yeah. Gotcha. Yes. Okay. Yes. Yes. Yes. That's one that's the one twenty you're talking about. Yeah. Yeah. Around in the Yeah. Okay. Yes. Yes. Okay. Yeah. Okay. And that okay. Non concessionary. That means just so my work stuff doesn't count? Yeah. I can't contribute anything else, and that's fine for this year. There's no reason would have anything other than work this year. Yeah. Yeah. Yeah. Oh, the not okay. The next two, not a carry back. They're not on grandfather it. Okay. Okay. So for the if I'm anything from my dad, I cannot do anything with it. Yeah. Yeah. That's the the maximum it would be would be around $1.80 if it was soon because that's the amount of money I have here for him in case he need yep. It's not it's not a worry. So okay. I'm just gonna yeah. Yeah. Okay. Sorry. Yeah. Okay. But owing monthly oh, because we're doing that in this year. We're still talking stage one. Okay. Yeah. Okay. Yeah. Yeah. Yeah. Okay. I do it online. I just go on my app and just say, you know, the insurance and they send me a message saying, are you sure you wanna do this? Because of the whole thing that I'm gonna have another health check if I cancel it. So yeah. Yeah. Okay. Okay. Well, that will be in July then, won't it? Because okay. But you won't have anywhere to put it because aren't we only doing okay. Okay. Yeah. Yeah. Yep. Okay. Okay. So the whole so while it's in the pension account, I guess, is is it earning investment income, or is it in a cash account? What? Yeah. You've changed one from the s and p 200 to the s and p oh, no. The s and p five hundred's always been there, actually. It's the v g the other one. Yeah. Okay. It's just not called 200. That's why. I was like, the 500? Didn't know I had that. Just called something else. Yeah. Yes. Okay. Correct. Yes. Because I at the cost I was thinking the cost of selling and buying is that would be insane. Yes. Yes. Yes. Okay. Yeah. Okay. Okay. Yes. Okay. So somebody's gonna have more somebody else is gonna have more money to invest because they're doing well, and I'm gonna have to sell because I I need the pension money. So it just does it inside. So that's why it may incur costs. Yeah. Yeah. Okay. Yeah. Okay. Okay. Okay. So alright. So that answers some of it. Okay. Where are we? Okay. Okay. So you're that you're opening on the advice, it says the new pinch the new accumulation fund is gonna open July 1, but that's not necessarily July 1. That's as soon as money comes through. We're done. Yeah. Okay. Okay. Me personally, the what the sale of the property. Yeah. Okay. The rollover can go in because that's just a rollover or not. Yes. Okay. Alright. Yeah. Okay. I understand that now. Okay. So where am I? Yeah. Yeah. Yeah. Okay. Yeah. Okay. Yeah. It's so close. It's just the wrong order. But I thought maybe and then I looked at, you know, what's the balance was, and I thought, no. It's been calculated on the $2.00 9, not the $2.90. I just wasn't sure. No. No. That's good. All good. Yeah. Yeah. Yes. Yeah. Okay. It's sold down of that. So you can't prorate the selling of the shares or whatever my investment to specific ones. It's gotta kind of be pro rata to get the $4.09 5. Yeah. Understand. What percentage is. Yeah. Yes. Yeah. And it'll and it'll rebalance itself later anyway. Yeah. So it it yeah. Yeah. Okay. And you are confident in those shares that I and the investments that they have there? Because some of them are awful. They're just doing really cool. I know the economic climate, but they were doing they weren't doing great before the war, if we're gonna call it the war. So Yeah. Yeah. Yeah. Okay. Alright. So the money will be held in cash. What does that mean? So where it says that TPD is sold down. I think waiting for funds to be transferred. Any I can't remember. I said it's somewhere in that. Where am I? Is this where it is? That's where it is. Why does that look so small this time? All of that looks fine. It's it was in one of the risk the disadvantages that's coming out of my super. Sorry. I can't remember. Approximately I don't want it to fit. I just it's a bit bigger. There we go. Yes. So how much will be in the cash account? Oh, so that one does be that will be just the days. Okay. So it's just when the disadvantage just makes me think, how long is that gonna be? But it's just the okay. So that Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. No. Yeah. I Yeah. The whole yeah. Okay. Oh, so to do the beneficiary forms all over again. Okay. Oh, because those are hard copies, aren't they? You need the hard copies signed. Okay. Yeah. Yeah. Yeah. Okay. Yeah. I just would prefer to avoid all that. Yeah. Okay. Okay. Okay. That makes sense. Alright. So opening another accumulation account, is that why the fees I'm paying the fees twice? But I've paid that's what I've already paid originally. And I pay annual and I pay an annual advice fee. Yeah. Yeah. Okay. Yeah. I'd pay for it out of the super fund because it's just easier. Okay. Then the the adviser fee again, it looks like it's twice. It looks like I'm paying it twice, the $9.09. No. But it's it's still it's not that it's saying it twice. It's the 1.65 percent, and it's capped at 4 is it capped at $4.09 $5.00? No. But what the cap used to be less than that. Okay. That's the initial fee cap. But I paid the fee cap when I joined with you guys. Yes. So why am I being charged that again? Because I'm paying an ongoing advice fee and that's what you're doing now is you're giving me advice. So I'm confused as to why I'm being charged again as much as nearly 10 k. Yeah. But that is capped at a certain amount, isn't it? But that's still isn't that nine times is and what is that percentage? Is that still 1.65 or that's just the cap? Okay. Because it's capped. I thought I thought the cap was around 6,000. I don't know why. Okay. I still thought that these wouldn't go more than 6,000. Because that it just feels so much. It sounds like it's such a lot of money Regardless of how much money I kind of have in there, you are still doing the same kind of advice. Okay. Yeah. I guess it is what it is. Yeah. I get somebody mentioned to me that, you know, my diabetes being insulin dependent and all of that. There's nothing we can use there for any social benefits and stuff. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. I won't be doing that. No. No. Alright. Oh, so the forms, do I just print out that POA, all of it, and then not POA. What's it? The add Yeah. With my mouse. I don't yeah. It's just finding it with the mouse. It's so If you can mail those separate, I can then print that and because I can't print it from my computer. I've got it printed from my phone. I ordered it just doesn't work from my computer for whatever reason. So if you can send that to me, it's just the ones I have to sign, then I can do that and send that to you. Yes. I've double checked it. It is they are correct. Just the ones to start. And that's yeah. Because it's come through as an attachment. Your statement of advice document is a it's an attached thing and says signed document. If you could yeah. I've got yeah. I've got that on So if I do that, I may I might be able to print it from there. And then it's just the last pages. Hey. It's more if you update should I have it updated with the correct details or it doesn't matter? Yeah. Okay. Alrighty. What else did I have? You know that the documents with the different Discover call choices that that's just the different things. I'm on call anyway on time. Yeah. Oh, okay. Alright. And is that the best thing to be on? Are they no because that's the one that's got the most fees as well. Oh, okay. Alright. Okay. Yeah. If you can okay. Can I print from that? Let me just see if I can sign with my mouse. So I'm not we're not changing this document. Click you see. No. It's it's it's just offering me the cancel. It's offering me my written signature, not a signature signature. Okay. And then I'll okay. Thank you. I think we've answered everything. Oh, notice of intent. What does that mean? What exactly thing. Yeah. Yeah. I can't Yeah. Yeah. But I I Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. K. So of the one twenty, is there anything that needs to be declared as non concessional because it's after And so Yeah. Okay. I do it online. Because when I Ubered, I used a lady that does Uber tax. She does all the Ubering kind of tax stuff, and I've just stayed with her and it cost me nothing. It off to that will be off to we've done everything. Yeah. Yeah. Yeah. Okay. Okay. Yeah. Yeah. No. It's it's it'll be marginal anyway, and it's just a fact. It's not yeah. Okay. No prob. I think that was that biggest concern is that the so the new mix of investments, you're moving 10% out of Australian equity to international equity. Adjusting that, is there a reason for that? There's the new that's all there. New things. Yeah. It looked looked like virtually straight 10% out of the one into the other, which I wasn't sure of. Okay. This alright. Okay. There's on page 36. It's showing Australian equity risk profile percentage is 30. The proposed percentage is 20%. And then international equity, the interest risk profile is 45%. You're proposing to put it at 56%. I'm three international better than Australian. Yeah. Okay. And and all the stuff that's in cash and fixed interest is now going into an alternative defense defensive asset. What is that? Okay. Yeah. Okay. Okay. Yeah. Yeah. Okay. Alright. I put that question. New account. Okay. Yes. Okay. That's it. Sorry. I had four pages of notes. Okay. I think that's that's probably it for me. Thank you. I I will sign as soon as I get that. It just always goes to my junk. Oh, is that you? Yeah. I'll just move that into my inbox. I don't know why junk. Never sent you junk. There you go. It's I was gonna alright. So I will print oh, that was for you in fifteen minutes. If sorry. I know. Because yeah. It was because I kept going to junk. No. No. I will try and download it and print those pages. Don't it's your day off. Okay. Sorry. Okay. Okay. Good. Alright. Thank you so much, Larissa. I will as soon as I get those in, I will print and sign and then just send them back to you because I and whoever sent them to me? Who do I okay. Okay. Okay. That that's that's normal. That's fine. Yeah. Yeah. That's all good. Okay. Thank you for the warning. Because I often don't accept I just don't take calls from when I'm not expecting them, so I'll know to expect it and take it. Okay. Okay. Okay. Thank you. Cool. Perfect. Thank you. K. Bye. 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Carol speaking. Morning. Sorry. My laptop has decided now is the time that it is going to update.\n\nBut it's just it just said it's restarting. So okay. Okay. I can hardly hear you just saying. You're on I can I can imagine?\n\nIt's an early start for you. Thank you. Yes. Yes. Okay.\n\nYes. Yeah. Gotcha. Yes. Okay.\n\nYes. Yes. Yes. That's one that's the one twenty you're talking about. Yeah.\n\nYeah. Around in the Yeah. Okay. Yes. Yes.\n\nOkay. Yeah. Okay. And that okay. Non concessionary.\n\nThat means just so my work stuff doesn't count? Yeah. I can't contribute anything else, and that's fine for this year. There's no reason would have anything other than work this year. Yeah.\n\nYeah. Yeah. Oh, the not okay. The next two, not a carry back. They're not on grandfather it.\n\nOkay. Okay. So for the if I'm anything from my dad, I cannot do anything with it. Yeah. Yeah.\n\nThat's the the maximum it would be would be around $1.80 if it was soon because that's the amount of money I have here for him in case he need yep. It's not it's not a worry. So okay. I'm just gonna yeah. Yeah.\n\nOkay. Sorry. Yeah. Okay. But owing monthly oh, because we're doing that in this year.\n\nWe're still talking stage one. Okay. Yeah. Okay. Yeah.\n\nYeah. Yeah. Okay. I do it online. I just go on my app and just say, you know, the insurance and they send me a message saying, are you sure you wanna do this?\n\nBecause of the whole thing that I'm gonna have another health check if I cancel it. So yeah. Yeah. Okay. Okay.\n\nWell, that will be in July then, won't it? Because okay. But you won't have anywhere to put it because aren't we only doing okay. Okay. Yeah.\n\nYeah. Yep. Okay. Okay. So the whole so while it's in the pension account, I guess, is is it earning investment income, or is it in a cash account?\n\nWhat? Yeah. You've changed one from the s and p 200 to the s and p oh, no. The s and p five hundred's always been there, actually. It's the v g the other one.\n\nYeah. Okay. It's just not called 200. That's why. I was like, the 500?\n\nDidn't know I had that. Just called something else. Yeah. Yes. Okay.\n\nCorrect. Yes. Because I at the cost I was thinking the cost of selling and buying is that would be insane. Yes. Yes.\n\nYes. Okay. Yeah. Okay. Okay.\n\nYes. Okay. So somebody's gonna have more somebody else is gonna have more money to invest because they're doing well, and I'm gonna have to sell because I I need the pension money. So it just does it inside. So that's why it may incur costs.\n\nYeah. Yeah. Okay. Yeah. Okay.\n\nOkay. Okay. So alright. So that answers some of it. Okay.\n\nWhere are we? Okay. Okay. So you're that you're opening on the advice, it says the new pinch the new accumulation fund is gonna open July 1, but that's not necessarily July 1. That's as soon as money comes through.\n\nWe're done. Yeah. Okay. Okay. Me personally, the what the sale of the property.\n\nYeah. Okay. The rollover can go in because that's just a rollover or not. Yes. Okay.\n\nAlright. Yeah. Okay. I understand that now. Okay.\n\nSo where am I? Yeah. Yeah. Yeah. Okay.\n\nYeah. Okay. Yeah. It's so close. It's just the wrong order.\n\nBut I thought maybe and then I looked at, you know, what's the balance was, and I thought, no. It's been calculated on the $2.00 9, not the $2.90. I just wasn't sure. No. No.\n\nThat's good. All good. Yeah. Yeah. Yes.\n\nYeah. Okay. It's sold down of that. So you can't prorate the selling of the shares or whatever my investment to specific ones. It's gotta kind of be pro rata to get the $4.09 5.\n\nYeah. Understand. What percentage is. Yeah. Yes.\n\nYeah. And it'll and it'll rebalance itself later anyway. Yeah. So it it yeah. Yeah.\n\nOkay. And you are confident in those shares that I and the investments that they have there? Because some of them are awful. They're just doing really cool. I know the economic climate, but they were doing they weren't doing great before the war, if we're gonna call it the war.\n\nSo Yeah. Yeah. Yeah. Okay. Alright.\n\nSo the money will be held in cash. What does that mean? So where it says that TPD is sold down. I think waiting for funds to be transferred. Any I can't remember.\n\nI said it's somewhere in that. Where am I? Is this where it is? That's where it is. Why does that look so small this time?\n\nAll of that looks fine. It's it was in one of the risk the disadvantages that's coming out of my super. Sorry. I can't remember. Approximately I don't want it to fit.\n\nI just it's a bit bigger. There we go. Yes. So how much will be in the cash account? Oh, so that one does be that will be just the days.\n\nOkay. So it's just when the disadvantage just makes me think, how long is that gonna be? But it's just the okay. So that Yes. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. No. Yeah. I Yeah. The whole yeah.\n\nOkay. Oh, so to do the beneficiary forms all over again. Okay. Oh, because those are hard copies, aren't they? You need the hard copies signed.\n\nOkay. Yeah. Yeah. Yeah. Okay.\n\nYeah. I just would prefer to avoid all that. Yeah. Okay. Okay.\n\nOkay. That makes sense. Alright. So opening another accumulation account, is that why the fees I'm paying the fees twice? But I've paid that's what I've already paid originally.\n\nAnd I pay annual and I pay an annual advice fee. Yeah. Yeah. Okay. Yeah.\n\nI'd pay for it out of the super fund because it's just easier. Okay. Then the the adviser fee again, it looks like it's twice. It looks like I'm paying it twice, the $9.09. No.\n\nBut it's it's still it's not that it's saying it twice. It's the 1.65 percent, and it's capped at 4 is it capped at $4.09 $5.00? No. But what the cap used to be less than that. Okay.\n\nThat's the initial fee cap. But I paid the fee cap when I joined with you guys. Yes. So why am I being charged that again? Because I'm paying an ongoing advice fee and that's what you're doing now is you're giving me advice.\n\nSo I'm confused as to why I'm being charged again as much as nearly 10 k. Yeah. But that is capped at a certain amount, isn't it? But that's still isn't that nine times is and what is that percentage? Is that still 1.65 or that's just the cap?\n\nOkay. Because it's capped. I thought I thought the cap was around 6,000. I don't know why. Okay.\n\nI still thought that these wouldn't go more than 6,000. Because that it just feels so much. It sounds like it's such a lot of money Regardless of how much money I kind of have in there, you are still doing the same kind of advice. Okay. Yeah.\n\nI guess it is what it is. Yeah. I get somebody mentioned to me that, you know, my diabetes being insulin dependent and all of that. There's nothing we can use there for any social benefits and stuff. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. I won't be doing that. No. No.\n\nAlright. Oh, so the forms, do I just print out that POA, all of it, and then not POA. What's it? The add Yeah. With my mouse.\n\nI don't yeah. It's just finding it with the mouse. It's so If you can mail those separate, I can then print that and because I can't print it from my computer. I've got it printed from my phone. I ordered it just doesn't work from my computer for whatever reason.\n\nSo if you can send that to me, it's just the ones I have to sign, then I can do that and send that to you. Yes. I've double checked it. It is they are correct. Just the ones to start.\n\nAnd that's yeah. Because it's come through as an attachment. Your statement of advice document is a it's an attached thing and says signed document. If you could yeah. I've got yeah.\n\nI've got that on So if I do that, I may I might be able to print it from there. And then it's just the last pages. Hey. It's more if you update should I have it updated with the correct details or it doesn't matter? Yeah.\n\nOkay. Alrighty. What else did I have? You know that the documents with the different Discover call choices that that's just the different things. I'm on call anyway on time.\n\nYeah. Oh, okay. Alright. And is that the best thing to be on? Are they no because that's the one that's got the most fees as well.\n\nOh, okay. Alright. Okay. Yeah. If you can okay.\n\nCan I print from that? Let me just see if I can sign with my mouse. So I'm not we're not changing this document. Click you see. No.\n\nIt's it's it's just offering me the cancel. It's offering me my written signature, not a signature signature. Okay. And then I'll okay. Thank you.\n\nI think we've answered everything. Oh, notice of intent. What does that mean? What exactly thing. Yeah.\n\nYeah. I can't Yeah. Yeah. But I I Yeah. Yeah.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nYeah. K. So of the one twenty, is there anything that needs to be declared as non concessional because it's after And so Yeah. Okay. I do it online.\n\nBecause when I Ubered, I used a lady that does Uber tax. She does all the Ubering kind of tax stuff, and I've just stayed with her and it cost me nothing. It off to that will be off to we've done everything. Yeah. Yeah.\n\nYeah. Okay. Okay. Yeah. Yeah.\n\nNo. It's it's it'll be marginal anyway, and it's just a fact. It's not yeah. Okay. No prob.\n\nI think that was that biggest concern is that the so the new mix of investments, you're moving 10% out of Australian equity to international equity. Adjusting that, is there a reason for that? There's the new that's all there. New things. Yeah.\n\nIt looked looked like virtually straight 10% out of the one into the other, which I wasn't sure of. Okay. This alright. Okay. There's on page 36.\n\nIt's showing Australian equity risk profile percentage is 30. The proposed percentage is 20%. And then international equity, the interest risk profile is 45%. You're proposing to put it at 56%. I'm three international better than Australian.\n\nYeah. Okay. And and all the stuff that's in cash and fixed interest is now going into an alternative defense defensive asset. What is that? Okay.\n\nYeah. Okay. Okay. Yeah. Yeah.\n\nOkay. Alright. I put that question. New account. Okay.\n\nYes. Okay. That's it. Sorry. I had four pages of notes.\n\nOkay. I think that's that's probably it for me. Thank you. I I will sign as soon as I get that. It just always goes to my junk.\n\nOh, is that you? Yeah. I'll just move that into my inbox. I don't know why junk. Never sent you junk.\n\nThere you go. It's I was gonna alright. So I will print oh, that was for you in fifteen minutes. If sorry. I know.\n\nBecause yeah. It was because I kept going to junk. No. No. I will try and download it and print those pages.\n\nDon't it's your day off. Okay. Sorry. Okay. Okay.\n\nGood. Alright. Thank you so much, Larissa. I will as soon as I get those in, I will print and sign and then just send them back to you because I and whoever sent them to me? Who do I okay.\n\nOkay. Okay. That that's that's normal. That's fine. Yeah.\n\nYeah. That's all good. Okay. Thank you for the warning. Because I often don't accept I just don't take calls from when I'm not expecting them, so I'll know to expect it and take it.\n\nOkay. Okay. Okay. Thank you. Cool.\n\nPerfect. Thank you. K. Bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.36,"end":1.76,"sentiment":"neutral","sentiment_score":0.1155019998550415},{"text":"Carol speaking.","start":1.76,"end":2.58,"sentiment":"neutral","sentiment_score":0.12796897441148758},{"text":"Morning.","start":5.04,"end":5.54,"sentiment":"positive","sentiment_score":0.4533866047859192},{"text":"Sorry.","start":5.92,"end":6.3199997,"sentiment":"neutral","sentiment_score":-0.11073662340641022},{"text":"My laptop has decided now is the time that it is going to update.","start":6.3199997,"end":11.3,"sentiment":"neutral","sentiment_score":-0.13728522243244307}],"sentiment":"neutral","sentiment_score":-0.06357385178929881,"num_words":19,"start":1.36,"end":11.3},{"sentences":[{"text":"But it's just it just said it's restarting.","start":12.255,"end":15.075001,"sentiment":"neutral","sentiment_score":-0.1854684939607978},{"text":"So okay.","start":15.295,"end":21.154999,"sentiment":"neutral","sentiment_score":-0.019540112465620034},{"text":"Okay.","start":35.07,"end":35.57,"sentiment":"neutral","sentiment_score":0.08462920784950256},{"text":"I can hardly hear you just saying.","start":40.19,"end":42.345,"sentiment":"neutral","sentiment_score":-0.06572811571615082},{"text":"You're on I can I can imagine?","start":43.625,"end":51.485,"sentiment":"neutral","sentiment_score":0.0627939301942076}],"sentiment":"neutral","sentiment_score":-0.0583495306968689,"num_words":25,"start":12.255,"end":51.485},{"sentences":[{"text":"It's an early start for you.","start":51.625,"end":53.385002,"sentiment":"positive","sentiment_score":0.4381118913491567},{"text":"Thank you.","start":53.385002,"end":54.125,"sentiment":"positive","sentiment_score":0.5272953510284424},{"text":"Yes.","start":64.6,"end":65.1,"sentiment":"neutral","sentiment_score":0.08006230741739273},{"text":"Yes.","start":68.2,"end":68.7,"sentiment":"neutral","sentiment_score":0.08164533972740173},{"text":"Okay.","start":71.225,"end":71.725,"sentiment":"neutral","sentiment_score":0.12178029865026474}],"sentiment":"positive","sentiment_score":0.36061363599517127,"num_words":11,"start":51.625,"end":71.725},{"sentences":[{"text":"Yes.","start":84.3,"end":84.8,"sentiment":"neutral","sentiment_score":0.26212459802627563},{"text":"Yeah.","start":96.615,"end":97.115,"sentiment":"neutral","sentiment_score":0.15410062670707703},{"text":"Gotcha.","start":108.509995,"end":109.009995,"sentiment":"neutral","sentiment_score":0.11383400857448578},{"text":"Yes.","start":129.405,"end":129.905,"sentiment":"positive","sentiment_score":0.3982643485069275},{"text":"Okay.","start":143.37,"end":143.87,"sentiment":"neutral","sentiment_score":0.2801229953765869}],"sentiment":"neutral","sentiment_score":0.24168931543827057,"num_words":5,"start":84.3,"end":143.87},{"sentences":[{"text":"Yes.","start":154.215,"end":154.715,"sentiment":"neutral","sentiment_score":0.1755094975233078},{"text":"Yes.","start":171.08,"end":171.32,"sentiment":"neutral","sentiment_score":0.06833548843860626},{"text":"Yes.","start":171.32,"end":171.72,"sentiment":"neutral","sentiment_score":0.05797921121120453},{"text":"That's one that's the one twenty you're talking about.","start":171.72,"end":177.255,"sentiment":"neutral","sentiment_score":-0.017160493466589186},{"text":"Yeah.","start":177.655,"end":178.155,"sentiment":"neutral","sentiment_score":0.08264179527759552}],"sentiment":"neutral","sentiment_score":0.017693965480877802,"num_words":13,"start":154.215,"end":178.155},{"sentences":[{"text":"Yeah.","start":192.77501,"end":193.23,"sentiment":"neutral","sentiment_score":0.0922791063785553},{"text":"Around in the Yeah.","start":204.59,"end":222.025,"sentiment":"neutral","sentiment_score":0.05877553764730692},{"text":"Okay.","start":224.01999,"end":224.51999,"sentiment":"neutral","sentiment_score":0.10860421508550644},{"text":"Yes.","start":229.93999,"end":230.43999,"sentiment":"neutral","sentiment_score":0.1628488004207611},{"text":"Yes.","start":247.435,"end":247.935,"sentiment":"positive","sentiment_score":0.3761849403381348}],"sentiment":"neutral","sentiment_score":0.12187740160152316,"num_words":8,"start":192.77501,"end":247.935},{"sentences":[{"text":"Okay.","start":257.93,"end":258.01,"sentiment":"neutral","sentiment_score":0.10322660207748412},{"text":"Yeah.","start":258.01,"end":258.51,"sentiment":"neutral","sentiment_score":0.15995608270168304},{"text":"Okay.","start":270.275,"end":270.775,"sentiment":"neutral","sentiment_score":0.04355733469128609},{"text":"And that okay.","start":276.035,"end":277.495,"sentiment":"neutral","sentiment_score":0.03486358001828193},{"text":"Non concessionary.","start":280.195,"end":281.255,"sentiment":"neutral","sentiment_score":0.010337771847844124}],"sentiment":"neutral","sentiment_score":0.054000787902623415,"num_words":8,"start":257.93,"end":281.255},{"sentences":[{"text":"That means just so my work stuff doesn't count?","start":281.395,"end":284.49002,"sentiment":"neutral","sentiment_score":-0.03997867223289278},{"text":"Yeah.","start":286.71002,"end":287.11002,"sentiment":"neutral","sentiment_score":0.22025448083877563},{"text":"I can't contribute anything else, and that's fine for this year.","start":287.11002,"end":290.33002,"sentiment":"neutral","sentiment_score":0.3304471183906902},{"text":"There's no reason would have anything other than work this year.","start":291.59003,"end":295.45,"sentiment":"neutral","sentiment_score":-0.17507830634713173},{"text":"Yeah.","start":308.60498,"end":308.97,"sentiment":"neutral","sentiment_score":0.0036813896149396896}],"sentiment":"neutral","sentiment_score":0.0476722652374795,"num_words":33,"start":281.395,"end":308.97},{"sentences":[{"text":"Yeah.","start":312.17,"end":312.67,"sentiment":"neutral","sentiment_score":0.09399831295013428},{"text":"Yeah.","start":323.63498,"end":324.13498,"sentiment":"neutral","sentiment_score":0.07811163365840912},{"text":"Oh, the not okay.","start":328.595,"end":331.715,"sentiment":"neutral","sentiment_score":-0.06963595934212208},{"text":"The next two, not a carry back.","start":331.715,"end":333.895,"sentiment":"neutral","sentiment_score":-0.08165624205555234},{"text":"They're not on grandfather it.","start":334.115,"end":339.21,"sentiment":"neutral","sentiment_score":-0.026256330125033856}],"sentiment":"neutral","sentiment_score":-0.04496162420966559,"num_words":18,"start":312.17,"end":339.21},{"sentences":[{"text":"Okay.","start":339.21,"end":339.71,"sentiment":"neutral","sentiment_score":0.019424576312303543},{"text":"Okay.","start":341.77,"end":342.27,"sentiment":"neutral","sentiment_score":-0.01256689801812172},{"text":"So for the if I'm anything from my dad, I cannot do anything with it.","start":343.05,"end":347.955,"sentiment":"neutral","sentiment_score":-0.2503179684281349},{"text":"Yeah.","start":364.08,"end":364.58,"sentiment":"neutral","sentiment_score":0.0023805592209100723},{"text":"Yeah.","start":370.16,"end":370.66,"sentiment":"neutral","sentiment_score":0.009914938360452652}],"sentiment":"neutral","sentiment_score":-0.19661138687086732,"num_words":19,"start":339.21,"end":370.66},{"sentences":[{"text":"That's the the maximum it would be would be around $1.80 if it was soon because that's the amount of money I have here for him in case he need yep.","start":370.8,"end":385.415,"sentiment":"neutral","sentiment_score":0.007849725397924582},{"text":"It's not it's not a worry.","start":385.415,"end":386.975,"sentiment":"neutral","sentiment_score":0.15487410748998323},{"text":"So okay.","start":386.975,"end":387.78,"sentiment":"neutral","sentiment_score":0.23047158122062683},{"text":"I'm just gonna yeah.","start":388.34,"end":392.52,"sentiment":"neutral","sentiment_score":0.17488429322838783},{"text":"Yeah.","start":393.86,"end":394.36,"sentiment":"neutral","sentiment_score":0.04961258172988891}],"sentiment":"neutral","sentiment_score":0.05522858892935653,"num_words":44,"start":370.8,"end":394.36},{"sentences":[{"text":"Okay.","start":396.26,"end":396.76,"sentiment":"neutral","sentiment_score":0.1508535593748093},{"text":"Sorry.","start":410.915,"end":411.155,"sentiment":"neutral","sentiment_score":-0.00753377377986908},{"text":"Yeah.","start":411.155,"end":411.655,"sentiment":"neutral","sentiment_score":0.025966068729758263},{"text":"Okay.","start":435.61502,"end":435.93503,"sentiment":"neutral","sentiment_score":0.009461946785449982},{"text":"But owing monthly oh, because we're doing that in this year.","start":435.93503,"end":439.855,"sentiment":"neutral","sentiment_score":-0.03573674911802465}],"sentiment":"neutral","sentiment_score":-0.014290429279208181,"num_words":15,"start":396.26,"end":439.855},{"sentences":[{"text":"We're still talking stage one.","start":439.855,"end":441.375,"sentiment":"neutral","sentiment_score":-0.020806243643164635},{"text":"Okay.","start":441.375,"end":441.78,"sentiment":"neutral","sentiment_score":0.009892398491501808},{"text":"Yeah.","start":441.94,"end":442.44,"sentiment":"neutral","sentiment_score":0.0076316948980093},{"text":"Okay.","start":443.54,"end":444.04,"sentiment":"neutral","sentiment_score":0.023208994418382645},{"text":"Yeah.","start":447.06,"end":447.56,"sentiment":"neutral","sentiment_score":0.025715647265315056}],"sentiment":"neutral","sentiment_score":-0.004175831460290485,"num_words":9,"start":439.855,"end":447.56},{"sentences":[{"text":"Yeah.","start":452.82,"end":453.32,"sentiment":"neutral","sentiment_score":-0.057086508721113205},{"text":"Yeah.","start":453.7,"end":454.2,"sentiment":"neutral","sentiment_score":0.010466672480106354},{"text":"Okay.","start":471.805,"end":472.305,"sentiment":"neutral","sentiment_score":0.03137388825416565},{"text":"I do it online.","start":490.855,"end":491.83502,"sentiment":"neutral","sentiment_score":-0.1030846256762743},{"text":"I just go on my app and just say, you know, the insurance and they send me a message saying, are you sure you wanna do this?","start":492.295,"end":499.015,"sentiment":"neutral","sentiment_score":-0.12712984242373043}],"sentiment":"neutral","sentiment_score":-0.11353206459213705,"num_words":34,"start":452.82,"end":499.015},{"sentences":[{"text":"Because of the whole thing that I'm gonna have another health check if I cancel it.","start":499.015,"end":504.77502,"sentiment":"neutral","sentiment_score":-0.27383743040263653},{"text":"So yeah.","start":504.77502,"end":505.92,"sentiment":"neutral","sentiment_score":0.16779718548059464},{"text":"Yeah.","start":512.86,"end":513.36,"sentiment":"neutral","sentiment_score":0.06473548710346222},{"text":"Okay.","start":521.985,"end":522.485,"sentiment":"neutral","sentiment_score":-0.014777947217226028},{"text":"Okay.","start":526.465,"end":526.865,"sentiment":"neutral","sentiment_score":0.0906614512205124}],"sentiment":"neutral","sentiment_score":-0.18596121544639269,"num_words":21,"start":499.015,"end":526.865},{"sentences":[{"text":"Well, that will be in July then, won't it?","start":526.865,"end":530.705,"sentiment":"neutral","sentiment_score":0.06462368658847278},{"text":"Because okay.","start":530.705,"end":544.38,"sentiment":"neutral","sentiment_score":0.09502144157886505},{"text":"But you won't have anywhere to put it because aren't we only doing okay.","start":546.36,"end":558.775,"sentiment":"neutral","sentiment_score":0.005245373717376164},{"text":"Okay.","start":562.2,"end":562.7,"sentiment":"neutral","sentiment_score":0.16474837064743042},{"text":"Yeah.","start":569.8125,"end":570.3125,"sentiment":"neutral","sentiment_score":0.04612043127417565}],"sentiment":"neutral","sentiment_score":0.03910963320069843,"num_words":27,"start":526.865,"end":570.3125},{"sentences":[{"text":"Yeah.","start":577.665,"end":578.165,"sentiment":"neutral","sentiment_score":0.156499981880188},{"text":"Yep.","start":592.14496,"end":592.5,"sentiment":"neutral","sentiment_score":0.09370892494916916},{"text":"Okay.","start":595.62,"end":596.12,"sentiment":"neutral","sentiment_score":0.18610751628875732},{"text":"Okay.","start":600.58,"end":601.08,"sentiment":"neutral","sentiment_score":-0.021666040644049644},{"text":"So the whole so while it's in the pension account, I guess, is is it earning investment income, or is it in a cash account?","start":601.3,"end":616.16504,"sentiment":"neutral","sentiment_score":0.008956414610147477}],"sentiment":"neutral","sentiment_score":0.022019336128543163,"num_words":29,"start":577.665,"end":616.16504},{"sentences":[{"text":"What?","start":616.16504,"end":616.66504,"sentiment":"neutral","sentiment_score":-0.012496552430093288},{"text":"Yeah.","start":622.12,"end":622.62,"sentiment":"neutral","sentiment_score":0.054076291620731354},{"text":"You've changed one from the s and p 200 to the s and p oh, no.","start":639.40497,"end":644.445,"sentiment":"neutral","sentiment_score":0.003533138951752335},{"text":"The s and p five hundred's always been there, actually.","start":644.445,"end":646.845,"sentiment":"neutral","sentiment_score":-0.004019856196828186},{"text":"It's the v g the other one.","start":646.845,"end":648.85,"sentiment":"neutral","sentiment_score":0.005312335078737566}],"sentiment":"neutral","sentiment_score":0.002717078457187329,"num_words":35,"start":616.16504,"end":648.85},{"sentences":[{"text":"Yeah.","start":648.85,"end":649.17,"sentiment":"neutral","sentiment_score":0.011533163487911224},{"text":"Okay.","start":649.17,"end":649.67,"sentiment":"neutral","sentiment_score":0.01076892390847206},{"text":"It's just not called 200.","start":649.81,"end":652.61,"sentiment":"neutral","sentiment_score":-0.03400766155682504},{"text":"That's why.","start":652.61,"end":653.27,"sentiment":"neutral","sentiment_score":-0.045943086966872215},{"text":"I was like, the 500?","start":653.33,"end":655.43,"sentiment":"neutral","sentiment_score":-0.0436321958899498}],"sentiment":"neutral","sentiment_score":-0.0326988124122311,"num_words":14,"start":648.85,"end":655.43},{"sentences":[{"text":"Didn't know I had that.","start":655.49,"end":656.87,"sentiment":"neutral","sentiment_score":-0.06190043091773987},{"text":"Just called something else.","start":657.01,"end":658.20996,"sentiment":"neutral","sentiment_score":-0.030522702261805534},{"text":"Yeah.","start":658.20996,"end":658.70996,"sentiment":"neutral","sentiment_score":0.011119822971522808},{"text":"Yes.","start":677.41,"end":677.91,"sentiment":"neutral","sentiment_score":0.03647556155920029},{"text":"Okay.","start":685.40497,"end":685.90497,"sentiment":"neutral","sentiment_score":0.057001743465662}],"sentiment":"neutral","sentiment_score":-0.027249652969961364,"num_words":12,"start":655.49,"end":685.90497},{"sentences":[{"text":"Correct.","start":694.365,"end":694.865,"sentiment":"neutral","sentiment_score":0.295610249042511},{"text":"Yes.","start":697.325,"end":697.645,"sentiment":"neutral","sentiment_score":-0.003924073651432991},{"text":"Because I at the cost I was thinking the cost of selling and buying is that would be insane.","start":697.645,"end":705.19,"sentiment":"negative","sentiment_score":-0.5133394865613234},{"text":"Yes.","start":716.445,"end":716.945,"sentiment":"neutral","sentiment_score":-0.2444622814655304},{"text":"Yes.","start":724.2825,"end":724.7825,"sentiment":"neutral","sentiment_score":0.20226812362670896}],"sentiment":"negative","sentiment_score":-0.41321557509186474,"num_words":23,"start":694.365,"end":724.7825},{"sentences":[{"text":"Yes.","start":741.48,"end":741.98,"sentiment":"neutral","sentiment_score":0.1681792140007019},{"text":"Okay.","start":752.765,"end":753.265,"sentiment":"neutral","sentiment_score":0.09682144224643709},{"text":"Yeah.","start":757.98,"end":758.48,"sentiment":"neutral","sentiment_score":0.11298029124736786},{"text":"Okay.","start":770.38,"end":770.88,"sentiment":"neutral","sentiment_score":0.11025769263505936},{"text":"Okay.","start":773.895,"end":774.395,"sentiment":"neutral","sentiment_score":0.1337050050497055}],"sentiment":"neutral","sentiment_score":0.12438872903585434,"num_words":5,"start":741.48,"end":774.395},{"sentences":[{"text":"Yes.","start":784.375,"end":784.775,"sentiment":"neutral","sentiment_score":0.05934059992432594},{"text":"Okay.","start":784.775,"end":785.275,"sentiment":"neutral","sentiment_score":0.027988070622086525},{"text":"So somebody's gonna have more somebody else is gonna have more money to invest because they're doing well, and I'm gonna have to sell because I I need the pension money.","start":786.14,"end":799.52,"sentiment":"neutral","sentiment_score":-0.03581890959532991},{"text":"So it just does it inside.","start":799.58,"end":801.915,"sentiment":"neutral","sentiment_score":-0.06019708265860876},{"text":"So that's why it may incur costs.","start":801.915,"end":804.415,"sentiment":"neutral","sentiment_score":-0.12246021628379822}],"sentiment":"neutral","sentiment_score":-0.048727424714066415,"num_words":46,"start":784.375,"end":804.415},{"sentences":[{"text":"Yeah.","start":814.43,"end":814.93,"sentiment":"neutral","sentiment_score":0.07457062602043152},{"text":"Yeah.","start":830.125,"end":830.625,"sentiment":"neutral","sentiment_score":-0.02489619143307209},{"text":"Okay.","start":831.96497,"end":832.46497,"sentiment":"neutral","sentiment_score":-0.03985718637704849},{"text":"Yeah.","start":835.725,"end":836.225,"sentiment":"neutral","sentiment_score":0.02577577158808708},{"text":"Okay.","start":836.845,"end":837.345,"sentiment":"neutral","sentiment_score":0.09219972789287569}],"sentiment":"neutral","sentiment_score":0.02555854953825474,"num_words":5,"start":814.43,"end":837.345},{"sentences":[{"text":"Okay.","start":839.165,"end":839.665,"sentiment":"neutral","sentiment_score":0.07379606366157532},{"text":"Okay.","start":841.565,"end":842.065,"sentiment":"neutral","sentiment_score":0.07499369978904724},{"text":"So alright.","start":843.42004,"end":844.14,"sentiment":"neutral","sentiment_score":0.0774657242000103},{"text":"So that answers some of it.","start":844.14,"end":847.82,"sentiment":"neutral","sentiment_score":0.07067940508325894},{"text":"Okay.","start":847.82,"end":848.32,"sentiment":"neutral","sentiment_score":0.033052220940589905}],"sentiment":"neutral","sentiment_score":0.06916816939007152,"num_words":11,"start":839.165,"end":848.32},{"sentences":[{"text":"Where are we?","start":848.38,"end":849.52,"sentiment":"neutral","sentiment_score":0.00322583969682455},{"text":"Okay.","start":851.10004,"end":851.60004,"sentiment":"neutral","sentiment_score":0.017238236963748932},{"text":"Okay.","start":851.74005,"end":852.14,"sentiment":"neutral","sentiment_score":0.005610731430351734},{"text":"So you're that you're opening on the advice, it says the new pinch the new accumulation fund is gonna open July 1, but that's not necessarily July 1.","start":852.14,"end":865.29504,"sentiment":"neutral","sentiment_score":-0.02303723751434258},{"text":"That's as soon as money comes through.","start":865.29504,"end":868.195,"sentiment":"neutral","sentiment_score":-0.03045491421861308}],"sentiment":"neutral","sentiment_score":-0.020642514061182737,"num_words":40,"start":848.38,"end":868.195},{"sentences":[{"text":"We're done.","start":873.81,"end":874.55005,"sentiment":"neutral","sentiment_score":0.026390468701720238},{"text":"Yeah.","start":879.33,"end":879.81,"sentiment":"neutral","sentiment_score":0.03365814685821533},{"text":"Okay.","start":879.81,"end":880.31,"sentiment":"neutral","sentiment_score":0.018738901242613792},{"text":"Okay.","start":885.88495,"end":886.365,"sentiment":"neutral","sentiment_score":-0.03671490401029587},{"text":"Me personally, the what the sale of the property.","start":886.365,"end":888.76495,"sentiment":"neutral","sentiment_score":-0.01783336554136541}],"sentiment":"neutral","sentiment_score":-0.006574086312736783,"num_words":14,"start":873.81,"end":888.76495},{"sentences":[{"text":"Yeah.","start":888.76495,"end":889.08496,"sentiment":"neutral","sentiment_score":0.02029259316623211},{"text":"Okay.","start":889.08496,"end":889.58496,"sentiment":"neutral","sentiment_score":0.04565529525279999},{"text":"The rollover can go in because that's just a rollover or not.","start":890.20496,"end":896.14496,"sentiment":"neutral","sentiment_score":-0.009287115341673294},{"text":"Yes.","start":898.58,"end":899.08,"sentiment":"neutral","sentiment_score":0.08694025874137878},{"text":"Okay.","start":902.18,"end":902.68,"sentiment":"neutral","sentiment_score":0.08729521930217743}],"sentiment":"neutral","sentiment_score":0.008046123897656798,"num_words":16,"start":888.76495,"end":902.68},{"sentences":[{"text":"Alright.","start":902.9,"end":903.4,"sentiment":"neutral","sentiment_score":0.17418286204338074},{"text":"Yeah.","start":904.02,"end":904.34,"sentiment":"neutral","sentiment_score":0.12304167449474336},{"text":"Okay.","start":904.34,"end":904.58,"sentiment":"neutral","sentiment_score":0.1009170264005661},{"text":"I understand that now.","start":904.58,"end":905.96,"sentiment":"neutral","sentiment_score":0.08974412456154823},{"text":"Okay.","start":907.3,"end":907.7,"sentiment":"neutral","sentiment_score":0.04356282204389572}],"sentiment":"neutral","sentiment_score":0.10008511040359735,"num_words":8,"start":902.9,"end":907.7},{"sentences":[{"text":"So where am I?","start":907.7,"end":909.32,"sentiment":"neutral","sentiment_score":0.02044243784621358},{"text":"Yeah.","start":919.45496,"end":919.95496,"sentiment":"neutral","sentiment_score":0.021068505942821503},{"text":"Yeah.","start":926.415,"end":926.915,"sentiment":"neutral","sentiment_score":0.0750221535563469},{"text":"Yeah.","start":931.17004,"end":931.33,"sentiment":"neutral","sentiment_score":0.05731648951768875},{"text":"Okay.","start":931.33,"end":931.83,"sentiment":"neutral","sentiment_score":0.05199570208787918}],"sentiment":"neutral","sentiment_score":0.03589657531119883,"num_words":8,"start":907.7,"end":931.83},{"sentences":[{"text":"Yeah.","start":932.45,"end":932.95,"sentiment":"neutral","sentiment_score":0.04330002889037132},{"text":"Okay.","start":937.97003,"end":938.47003,"sentiment":"neutral","sentiment_score":0.026652399450540543},{"text":"Yeah.","start":941.66504,"end":942.16504,"sentiment":"neutral","sentiment_score":-0.014181522652506828},{"text":"It's so close.","start":949.745,"end":950.705,"sentiment":"neutral","sentiment_score":-0.3161415259043376},{"text":"It's just the wrong order.","start":950.705,"end":951.985,"sentiment":"negative","sentiment_score":-0.3396931767463684}],"sentiment":"neutral","sentiment_score":-0.23555632325058634,"num_words":11,"start":932.45,"end":951.985},{"sentences":[{"text":"But I thought maybe and then I looked at, you know, what's the balance was, and I thought, no.","start":951.985,"end":957.45996,"sentiment":"neutral","sentiment_score":-0.17910715741546532},{"text":"It's been calculated on the $2.00 9, not the $2.90.","start":957.45996,"end":960.57996,"sentiment":"neutral","sentiment_score":-0.13865458741784095},{"text":"I just wasn't sure.","start":960.57996,"end":961.88,"sentiment":"neutral","sentiment_score":-0.21686789765954018},{"text":"No.","start":963.62,"end":963.86,"sentiment":"neutral","sentiment_score":-0.2856315076351166},{"text":"No.","start":963.86,"end":964.1,"sentiment":"neutral","sentiment_score":-0.23835480213165283}],"sentiment":"neutral","sentiment_score":-0.17660113615649087,"num_words":35,"start":951.985,"end":964.1},{"sentences":[{"text":"That's good.","start":964.1,"end":965.16,"sentiment":"neutral","sentiment_score":0.09041960537433624},{"text":"All good.","start":966.5,"end":967.125,"sentiment":"positive","sentiment_score":0.4825054705142975},{"text":"Yeah.","start":975.285,"end":975.785,"sentiment":"neutral","sentiment_score":-0.04494813084602356},{"text":"Yeah.","start":977.285,"end":977.785,"sentiment":"neutral","sentiment_score":0.002508658915758133},{"text":"Yes.","start":986.67004,"end":987.17004,"sentiment":"neutral","sentiment_score":0.13307562470436096}],"sentiment":"neutral","sentiment_score":0.17664090065019472,"num_words":7,"start":964.1,"end":987.17004},{"sentences":[{"text":"Yeah.","start":987.23004,"end":987.73004,"sentiment":"neutral","sentiment_score":0.08013540506362915},{"text":"Okay.","start":988.59,"end":989.09,"sentiment":"neutral","sentiment_score":0.0336480587720871},{"text":"It's sold down of that.","start":989.63,"end":991.57,"sentiment":"neutral","sentiment_score":0.022495413199067116},{"text":"So you can't prorate the selling of the shares or whatever my investment to specific ones.","start":991.95,"end":1003.725,"sentiment":"neutral","sentiment_score":-0.006243562420422677},{"text":"It's gotta kind of be pro rata to get the $4.09 5.","start":1003.725,"end":1008.36,"sentiment":"neutral","sentiment_score":-0.01583424924562375}],"sentiment":"neutral","sentiment_score":-0.001818498852662742,"num_words":35,"start":987.23004,"end":1008.36},{"sentences":[{"text":"Yeah.","start":1018.51996,"end":1019.01996,"sentiment":"neutral","sentiment_score":-0.01811448484659195},{"text":"Understand.","start":1037.675,"end":1038.175,"sentiment":"neutral","sentiment_score":-0.17407570779323578},{"text":"What percentage is.","start":1038.52,"end":1039.82,"sentiment":"neutral","sentiment_score":-0.06917128960291545},{"text":"Yeah.","start":1039.96,"end":1040.46,"sentiment":"neutral","sentiment_score":-0.046993620693683624},{"text":"Yes.","start":1044.6,"end":1045.1,"sentiment":"neutral","sentiment_score":-0.044065140187740326}],"sentiment":"neutral","sentiment_score":-0.07010897461857114,"num_words":7,"start":1018.51996,"end":1045.1},{"sentences":[{"text":"Yeah.","start":1066.18,"end":1066.42,"sentiment":"neutral","sentiment_score":-0.10363635420799255},{"text":"And it'll and it'll rebalance itself later anyway.","start":1066.42,"end":1069.64,"sentiment":"neutral","sentiment_score":-0.11307339929044247},{"text":"Yeah.","start":1071.06,"end":1071.4601,"sentiment":"neutral","sentiment_score":0.010080613195896149},{"text":"So it it yeah.","start":1071.4601,"end":1072.76,"sentiment":"neutral","sentiment_score":0.009765402413904667},{"text":"Yeah.","start":1076.5,"end":1076.9,"sentiment":"neutral","sentiment_score":0.06509320437908173}],"sentiment":"neutral","sentiment_score":-0.05959920808672905,"num_words":15,"start":1066.18,"end":1076.9},{"sentences":[{"text":"Okay.","start":1076.9,"end":1077.4,"sentiment":"neutral","sentiment_score":0.08749255537986755},{"text":"And you are confident in those shares that I and the investments that they have there?","start":1079.0549,"end":1084.335,"sentiment":"neutral","sentiment_score":0.2228879095055163},{"text":"Because some of them are awful.","start":1084.335,"end":1086.355,"sentiment":"neutral","sentiment_score":0.008237127214670181},{"text":"They're just doing really cool.","start":1087.375,"end":1088.895,"sentiment":"neutral","sentiment_score":0.27596211433410645},{"text":"I know the economic climate, but they were doing they weren't doing great before the war, if we're gonna call it the war.","start":1088.895,"end":1097.37,"sentiment":"neutral","sentiment_score":-0.1160201214901779}],"sentiment":"neutral","sentiment_score":0.047342542120639014,"num_words":51,"start":1076.9,"end":1097.37},{"sentences":[{"text":"So Yeah.","start":1097.83,"end":1119.725,"sentiment":"neutral","sentiment_score":0.11121281422674656},{"text":"Yeah.","start":1130.27,"end":1130.77,"sentiment":"neutral","sentiment_score":0.01174718514084816},{"text":"Yeah.","start":1130.91,"end":1131.41,"sentiment":"neutral","sentiment_score":-0.00867428444325924},{"text":"Okay.","start":1138.7649,"end":1139.2649,"sentiment":"neutral","sentiment_score":0.0009309714660048484},{"text":"Alright.","start":1141.325,"end":1141.825,"sentiment":"neutral","sentiment_score":0.009810278192162514}],"sentiment":"neutral","sentiment_score":0.03937329646820823,"num_words":6,"start":1097.83,"end":1141.825},{"sentences":[{"text":"So the money will be held in cash.","start":1143.245,"end":1146.865,"sentiment":"neutral","sentiment_score":0.006497960654087365},{"text":"What does that mean?","start":1150.03,"end":1151.49,"sentiment":"neutral","sentiment_score":-0.016942269168794155},{"text":"So where it says that TPD is sold down.","start":1157.07,"end":1160.29,"sentiment":"neutral","sentiment_score":-0.042388888282908335},{"text":"I think waiting for funds to be transferred.","start":1161.055,"end":1163.395,"sentiment":"neutral","sentiment_score":-0.05340071767568588},{"text":"Any I can't remember.","start":1164.415,"end":1174.18,"sentiment":"neutral","sentiment_score":-0.06230143178254366}],"sentiment":"neutral","sentiment_score":-0.03253626831891862,"num_words":33,"start":1143.245,"end":1174.18},{"sentences":[{"text":"I said it's somewhere in that.","start":1174.18,"end":1176.18,"sentiment":"neutral","sentiment_score":-0.05257553234696388},{"text":"Where am I?","start":1176.18,"end":1177.16,"sentiment":"neutral","sentiment_score":-0.06263625870148341},{"text":"Is this where it is?","start":1177.3,"end":1178.18,"sentiment":"neutral","sentiment_score":-0.05249963477253914},{"text":"That's where it is.","start":1178.18,"end":1179.4,"sentiment":"neutral","sentiment_score":-0.0336576565168798},{"text":"Why does that look so small this time?","start":1188.235,"end":1190.655,"sentiment":"neutral","sentiment_score":-0.08450705744326115}],"sentiment":"neutral","sentiment_score":-0.0606364319100976,"num_words":26,"start":1174.18,"end":1190.655},{"sentences":[{"text":"All of that looks fine.","start":1197.8351,"end":1199.295,"sentiment":"neutral","sentiment_score":0.10751555189490318},{"text":"It's it was in one of the risk the disadvantages that's coming out of my super.","start":1201.03,"end":1212.8099,"sentiment":"neutral","sentiment_score":-0.09223023662343621},{"text":"Sorry.","start":1214.525,"end":1214.845,"sentiment":"neutral","sentiment_score":-0.1421084105968475},{"text":"I can't remember.","start":1214.845,"end":1215.745,"sentiment":"neutral","sentiment_score":-0.09331048031648},{"text":"Approximately I don't want it to fit.","start":1217.485,"end":1221.665,"sentiment":"neutral","sentiment_score":-0.1578640639781952}],"sentiment":"neutral","sentiment_score":-0.07703732268419117,"num_words":32,"start":1197.8351,"end":1221.665},{"sentences":[{"text":"I just it's a bit bigger.","start":1221.8049,"end":1224.845,"sentiment":"neutral","sentiment_score":-0.13322809835275015},{"text":"There we go.","start":1224.845,"end":1225.745,"sentiment":"neutral","sentiment_score":-0.06769349426031113},{"text":"Yes.","start":1244.005,"end":1244.505,"sentiment":"neutral","sentiment_score":0.001400466077029705},{"text":"So how much will be in the cash account?","start":1244.565,"end":1246.4249,"sentiment":"neutral","sentiment_score":0.014667723120914565},{"text":"Oh, so that one does be that will be just the days.","start":1246.725,"end":1252.965,"sentiment":"neutral","sentiment_score":0.011561498666803042}],"sentiment":"neutral","sentiment_score":-0.02355810047517861,"num_words":31,"start":1221.8049,"end":1252.965},{"sentences":[{"text":"Okay.","start":1252.965,"end":1253.365,"sentiment":"neutral","sentiment_score":0.013727749697864056},{"text":"So it's just when the disadvantage just makes me think, how long is that gonna be?","start":1253.365,"end":1258.6,"sentiment":"neutral","sentiment_score":-0.06776869820896536},{"text":"But it's just the okay.","start":1258.6,"end":1260.12,"sentiment":"neutral","sentiment_score":-0.007775408774614334},{"text":"So that Yes.","start":1260.12,"end":1272.0751,"sentiment":"neutral","sentiment_score":0.02165813185274601},{"text":"Yeah.","start":1272.0751,"end":1272.5751,"sentiment":"neutral","sentiment_score":0.011163911782205105}],"sentiment":"neutral","sentiment_score":-0.03974269839146963,"num_words":26,"start":1252.965,"end":1272.5751},{"sentences":[{"text":"Yeah.","start":1279.115,"end":1279.615,"sentiment":"neutral","sentiment_score":0.1823878139257431},{"text":"Yeah.","start":1279.755,"end":1280.255,"sentiment":"neutral","sentiment_score":0.1709175705909729},{"text":"Yeah.","start":1284.6001,"end":1285.1001,"sentiment":"neutral","sentiment_score":0.1125464364886284},{"text":"Yeah.","start":1290.76,"end":1291.26,"sentiment":"neutral","sentiment_score":0.052432090044021606},{"text":"Yeah.","start":1295.64,"end":1295.895,"sentiment":"neutral","sentiment_score":0.13875506818294525}],"sentiment":"neutral","sentiment_score":0.13140779584646226,"num_words":5,"start":1279.115,"end":1295.895},{"sentences":[{"text":"Okay.","start":1302.295,"end":1302.795,"sentiment":"neutral","sentiment_score":0.18056875467300415},{"text":"No.","start":1316.03,"end":1316.11,"sentiment":"neutral","sentiment_score":-0.047502681612968445},{"text":"Yeah.","start":1316.11,"end":1316.59,"sentiment":"neutral","sentiment_score":-0.017295870929956436},{"text":"I Yeah.","start":1316.59,"end":1325.17,"sentiment":"neutral","sentiment_score":-0.002628737129271032},{"text":"The whole yeah.","start":1338.5851,"end":1340.285,"sentiment":"neutral","sentiment_score":0.036755736917257316}],"sentiment":"neutral","sentiment_score":0.027597492327913642,"num_words":8,"start":1302.295,"end":1340.285},{"sentences":[{"text":"Okay.","start":1340.82,"end":1341.32,"sentiment":"neutral","sentiment_score":0.12518277764320374},{"text":"Oh, so to do the beneficiary forms all over again.","start":1362.6151,"end":1365.915,"sentiment":"neutral","sentiment_score":0.053104550763964656},{"text":"Okay.","start":1380.37,"end":1380.87,"sentiment":"neutral","sentiment_score":0.12615972757339478},{"text":"Oh, because those are hard copies, aren't they?","start":1381.09,"end":1383.6699,"sentiment":"neutral","sentiment_score":0.0055548504460603},{"text":"You need the hard copies 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just would prefer to avoid all that.","start":1438.94,"end":1441.095,"sentiment":"negative","sentiment_score":-0.4549938775599003},{"text":"Yeah.","start":1446.775,"end":1447.275,"sentiment":"neutral","sentiment_score":0.11855375021696092},{"text":"Okay.","start":1456.4601,"end":1456.9601,"sentiment":"neutral","sentiment_score":0.22866696119308472},{"text":"Okay.","start":1461.3401,"end":1461.5801,"sentiment":"neutral","sentiment_score":0.12661117315292358}],"sentiment":"neutral","sentiment_score":-0.27442423813045025,"num_words":12,"start":1438.46,"end":1461.5801},{"sentences":[{"text":"Okay.","start":1461.5801,"end":1461.9,"sentiment":"neutral","sentiment_score":0.14020965993404388},{"text":"That makes sense.","start":1461.9,"end":1462.9601,"sentiment":"neutral","sentiment_score":0.16799885034561157},{"text":"Alright.","start":1465.42,"end":1465.9,"sentiment":"neutral","sentiment_score":0.08418019115924835},{"text":"So opening another accumulation account, is that why the fees I'm paying the fees twice?","start":1465.9,"end":1473.1749,"sentiment":"neutral","sentiment_score":-0.004112460960944493},{"text":"But I've paid that's what I've already paid originally.","start":1482.595,"end":1486.08,"sentiment":"neutral","sentiment_score":-0.050147162957323924}],"sentiment":"neutral","sentiment_score":0.007426724865518767,"num_words":29,"start":1461.5801,"end":1486.08},{"sentences":[{"text":"And I pay annual and I pay an annual advice fee.","start":1487.66,"end":1492.72,"sentiment":"neutral","sentiment_score":-0.005735000256787647},{"text":"Yeah.","start":1496.46,"end":1496.96,"sentiment":"neutral","sentiment_score":-0.015335708856582642},{"text":"Yeah.","start":1523.7799,"end":1524.2799,"sentiment":"neutral","sentiment_score":-0.14495548605918884},{"text":"Okay.","start":1534.765,"end":1535.245,"sentiment":"neutral","sentiment_score":-0.008329782634973526},{"text":"Yeah.","start":1535.245,"end":1535.745,"sentiment":"neutral","sentiment_score":0.07861748337745667}],"sentiment":"neutral","sentiment_score":-0.010205899799863498,"num_words":15,"start":1487.66,"end":1535.745},{"sentences":[{"text":"I'd pay for it out of the super fund because it's just easier.","start":1543.8301,"end":1547.29,"sentiment":"neutral","sentiment_score":0.14623679449925056},{"text":"Okay.","start":1549.91,"end":1550.41,"sentiment":"neutral","sentiment_score":0.006791523192077875},{"text":"Then the the adviser fee again, it looks like it's twice.","start":1550.865,"end":1556.485,"sentiment":"neutral","sentiment_score":-0.020244036039168186},{"text":"It looks like I'm paying it twice, the $9.09.","start":1557.185,"end":1560.325,"sentiment":"neutral","sentiment_score":-0.036323300252358116},{"text":"No.","start":1573.55,"end":1573.79,"sentiment":"neutral","sentiment_score":-0.1265982985496521}],"sentiment":"neutral","sentiment_score":0.03519078441230314,"num_words":35,"start":1543.8301,"end":1573.79},{"sentences":[{"text":"But it's it's still it's not that it's saying it twice.","start":1573.79,"end":1577.0901,"sentiment":"neutral","sentiment_score":-0.1401676515286619},{"text":"It's the 1.65 percent, and it's capped at 4 is it capped at $4.09 $5.00?","start":1577.15,"end":1586.085,"sentiment":"neutral","sentiment_score":-0.056310521066188814},{"text":"No.","start":1586.5449,"end":1587.0449,"sentiment":"neutral","sentiment_score":-0.1251416951417923},{"text":"But what the cap used to be less than that.","start":1589.505,"end":1592.645,"sentiment":"neutral","sentiment_score":-0.09705403968691825},{"text":"Okay.","start":1601.3301,"end":1601.8301,"sentiment":"neutral","sentiment_score":-0.0032671531662344933}],"sentiment":"neutral","sentiment_score":-0.09172240073645585,"num_words":38,"start":1573.79,"end":1601.8301},{"sentences":[{"text":"That's the initial fee cap.","start":1603.89,"end":1605.5701,"sentiment":"neutral","sentiment_score":-0.010004878602921962},{"text":"But I paid the fee cap when I joined with you guys.","start":1605.5701,"end":1610.4349,"sentiment":"neutral","sentiment_score":0.03621103319649895},{"text":"Yes.","start":1611.135,"end":1611.635,"sentiment":"neutral","sentiment_score":-0.006518801674246788},{"text":"So why am I being charged that again?","start":1612.255,"end":1614.4149,"sentiment":"neutral","sentiment_score":-0.21235745213925838},{"text":"Because I'm paying an ongoing advice fee and that's what you're doing now is you're giving me advice.","start":1614.4149,"end":1622.495,"sentiment":"neutral","sentiment_score":-0.19007821712228987}],"sentiment":"neutral","sentiment_score":-0.10777905276468532,"num_words":44,"start":1603.89,"end":1622.495},{"sentences":[{"text":"So I'm confused as to why I'm being charged again as much as nearly 10 k.","start":1622.495,"end":1629.61,"sentiment":"neutral","sentiment_score":-0.27105222921818495},{"text":"Yeah.","start":1638.95,"end":1639.45,"sentiment":"neutral","sentiment_score":-0.03073323890566826},{"text":"But that is capped at a certain amount, isn't it?","start":1643.0449,"end":1646.1849,"sentiment":"neutral","sentiment_score":-0.07876924946904182},{"text":"But that's still isn't that nine times is and what is that percentage?","start":1652.005,"end":1658.6599,"sentiment":"neutral","sentiment_score":-0.15352907318335313},{"text":"Is that still 1.65 or that's just the cap?","start":1660.1599,"end":1663.46,"sentiment":"neutral","sentiment_score":-0.12589172770579657}],"sentiment":"neutral","sentiment_score":-0.16906458983311848,"num_words":49,"start":1622.495,"end":1663.46},{"sentences":[{"text":"Okay.","start":1669.5199,"end":1670.0199,"sentiment":"neutral","sentiment_score":-0.07321600615978241},{"text":"Because it's capped.","start":1670.2151,"end":1671.1951,"sentiment":"neutral","sentiment_score":-0.09799519429604213},{"text":"I thought I thought the cap was around 6,000.","start":1671.8151,"end":1676.555,"sentiment":"neutral","sentiment_score":-0.1335904391275512},{"text":"I don't know why.","start":1676.6951,"end":1677.8351,"sentiment":"neutral","sentiment_score":-0.24799305200576782},{"text":"Okay.","start":1683.0951,"end":1683.5951,"sentiment":"neutral","sentiment_score":-0.1384287327528}],"sentiment":"neutral","sentiment_score":-0.14999536010954115,"num_words":18,"start":1669.5199,"end":1683.5951},{"sentences":[{"text":"I still thought that these wouldn't go more than 6,000.","start":1686.37,"end":1693.25,"sentiment":"neutral","sentiment_score":-0.31321665793657305},{"text":"Because that it just feels so much.","start":1693.25,"end":1695.3301,"sentiment":"negative","sentiment_score":-0.4463528735297067},{"text":"It sounds like it's such a lot of money Regardless of how much money I kind of have in there, you are still doing the same kind of advice.","start":1695.3301,"end":1707.545,"sentiment":"neutral","sentiment_score":-0.14410825343481426},{"text":"Okay.","start":1717.39,"end":1717.89,"sentiment":"neutral","sentiment_score":0.10448933392763138},{"text":"Yeah.","start":1724.19,"end":1724.4299,"sentiment":"neutral","sentiment_score":0.13203078508377075}],"sentiment":"neutral","sentiment_score":-0.21248449843066433,"num_words":48,"start":1686.37,"end":1724.4299},{"sentences":[{"text":"I guess it is what it 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won't be doing that.","start":1856.51,"end":1857.71,"sentiment":"negative","sentiment_score":-0.3670875608921051},{"text":"No.","start":1857.71,"end":1858.21,"sentiment":"neutral","sentiment_score":-0.23293793201446533},{"text":"No.","start":1858.99,"end":1859.49,"sentiment":"neutral","sentiment_score":-0.16356679797172546}],"sentiment":"neutral","sentiment_score":-0.293195952143934,"num_words":9,"start":1846.7849,"end":1859.49},{"sentences":[{"text":"Alright.","start":1859.7899,"end":1860.2899,"sentiment":"neutral","sentiment_score":-0.07006731629371643},{"text":"Oh, so the forms, do I just print out that POA, all of it, and then not POA.","start":1863.15,"end":1877.195,"sentiment":"neutral","sentiment_score":-0.04180309342013465},{"text":"What's it?","start":1877.195,"end":1877.6749,"sentiment":"neutral","sentiment_score":-0.049140991643071175},{"text":"The add Yeah.","start":1877.6749,"end":1880.8999,"sentiment":"neutral","sentiment_score":0.017678462900221348},{"text":"With my mouse.","start":1892.045,"end":1893.1849,"sentiment":"neutral","sentiment_score":0.1098133052388827}],"sentiment":"neutral","sentiment_score":-0.019938136174998903,"num_words":27,"start":1859.7899,"end":1893.1849},{"sentences":[{"text":"I don't yeah.","start":1893.645,"end":1894.285,"sentiment":"neutral","sentiment_score":-0.053734137366215386},{"text":"It's just finding it with the mouse.","start":1894.285,"end":1896.125,"sentiment":"neutral","sentiment_score":-0.07563210598060063},{"text":"It's so If you can mail those separate, I can then print that and because I can't print it from my computer.","start":1896.125,"end":1919.81,"sentiment":"neutral","sentiment_score":-0.004804253281856125},{"text":"I've got it printed from my phone.","start":1919.81,"end":1921.6849,"sentiment":"neutral","sentiment_score":-0.05303666900311198},{"text":"I ordered it just doesn't work from my computer for whatever reason.","start":1921.745,"end":1926.1649,"sentiment":"neutral","sentiment_score":-0.16479996467630068}],"sentiment":"neutral","sentiment_score":-0.06167013696668779,"num_words":51,"start":1893.645,"end":1926.1649},{"sentences":[{"text":"So if you can send that to me, it's just the ones I have to sign, then I can do that and send that to you.","start":1927.265,"end":1935.0449,"sentiment":"neutral","sentiment_score":0.06673356077562158},{"text":"Yes.","start":1938.6499,"end":1939.1499,"sentiment":"neutral","sentiment_score":0.07007299363613129},{"text":"I've double checked it.","start":1942.8099,"end":1943.85,"sentiment":"neutral","sentiment_score":0.06502785626798868},{"text":"It is they are correct.","start":1943.85,"end":1945.1499,"sentiment":"neutral","sentiment_score":0.08029109686613083},{"text":"Just the ones to 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matter?","start":1989.225,"end":2000.83,"sentiment":"neutral","sentiment_score":0.0033237902551061576},{"text":"Yeah.","start":2017.595,"end":2018.095,"sentiment":"neutral","sentiment_score":0.02512643486261368}],"sentiment":"neutral","sentiment_score":0.013839539398062737,"num_words":47,"start":1975.09,"end":2018.095},{"sentences":[{"text":"Okay.","start":2022.5549,"end":2023.0549,"sentiment":"neutral","sentiment_score":0.060056500136852264},{"text":"Alrighty.","start":2026.8501,"end":2027.3501,"sentiment":"neutral","sentiment_score":0.08800773322582245},{"text":"What else did I have?","start":2027.89,"end":2029.1901,"sentiment":"neutral","sentiment_score":0.018457957729697227},{"text":"You know that the documents with the different Discover call choices that that's just the different things.","start":2033.01,"end":2044.835,"sentiment":"neutral","sentiment_score":0.012741548830971998},{"text":"I'm on call anyway on time.","start":2044.835,"end":2046.9349,"sentiment":"neutral","sentiment_score":0.06306909459332626}],"sentiment":"neutral","sentiment_score":0.027845830656588078,"num_words":30,"start":2022.5549,"end":2046.9349},{"sentences":[{"text":"Yeah.","start":2053.19,"end":2053.67,"sentiment":"neutral","sentiment_score":0.02122918888926506},{"text":"Oh, okay.","start":2053.67,"end":2057.21,"sentiment":"neutral","sentiment_score":0.04299622122198343},{"text":"Alright.","start":2059.67,"end":2060.17,"sentiment":"neutral","sentiment_score":0.0841505378484726},{"text":"And is that the best thing to be on?","start":2060.63,"end":2062.55,"sentiment":"neutral","sentiment_score":0.03986378096871906},{"text":"Are they no because that's the one that's got the most fees as well.","start":2062.55,"end":2069.655,"sentiment":"neutral","sentiment_score":-0.13006048064146722}],"sentiment":"neutral","sentiment_score":-0.047062982632606117,"num_words":27,"start":2053.19,"end":2069.655},{"sentences":[{"text":"Oh, okay.","start":2073.875,"end":2074.695,"sentiment":"neutral","sentiment_score":0.07407677918672562},{"text":"Alright.","start":2074.835,"end":2075.335,"sentiment":"neutral","sentiment_score":0.08495940268039703},{"text":"Okay.","start":2077.635,"end":2078.135,"sentiment":"neutral","sentiment_score":0.0776994451880455},{"text":"Yeah.","start":2080.78,"end":2081.02,"sentiment":"neutral","sentiment_score":0.06290179491043091},{"text":"If you can okay.","start":2081.02,"end":2082.72,"sentiment":"neutral","sentiment_score":0.04124394152313471}],"sentiment":"neutral","sentiment_score":0.05985444080498484,"num_words":9,"start":2073.875,"end":2082.72},{"sentences":[{"text":"Can I print from that?","start":2083.42,"end":2085.8398,"sentiment":"neutral","sentiment_score":0.019055332243442535},{"text":"Let me just see if I can sign with my mouse.","start":2087.02,"end":2090.5598,"sentiment":"neutral","sentiment_score":-0.0075023692439902916},{"text":"So I'm not we're not changing this 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okay.","start":2124.825,"end":2127.805,"sentiment":"neutral","sentiment_score":0.0962250204756856},{"text":"Thank you.","start":2128.345,"end":2129.2449,"sentiment":"positive","sentiment_score":0.48005157709121704}],"sentiment":"neutral","sentiment_score":-0.09331780388951301,"num_words":25,"start":2105.415,"end":2129.2449},{"sentences":[{"text":"I think we've answered everything.","start":2132.265,"end":2133.9648,"sentiment":"neutral","sentiment_score":0.1741439253091812},{"text":"Oh, notice of intent.","start":2139.43,"end":2140.79,"sentiment":"neutral","sentiment_score":-0.01177414832636714},{"text":"What does that mean?","start":2140.79,"end":2141.85,"sentiment":"neutral","sentiment_score":-0.05465896427631378},{"text":"What exactly 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it's it'll be marginal anyway, and it's just a fact.","start":2338.75,"end":2342.19,"sentiment":"neutral","sentiment_score":-0.08333840187300336},{"text":"It's not yeah.","start":2342.19,"end":2343.71,"sentiment":"neutral","sentiment_score":-0.06870664780338605},{"text":"Okay.","start":2343.71,"end":2344.21,"sentiment":"neutral","sentiment_score":-0.017745491117239},{"text":"No prob.","start":2345.23,"end":2346.05,"sentiment":"neutral","sentiment_score":-0.06405088305473328}],"sentiment":"neutral","sentiment_score":-0.07930127220849197,"num_words":18,"start":2338.43,"end":2346.05},{"sentences":[{"text":"I think that was that biggest concern is that the so the new mix of investments, you're moving 10% out of Australian equity to international equity.","start":2346.51,"end":2376.61,"sentiment":"neutral","sentiment_score":-0.17939530255702826},{"text":"Adjusting that, is there a reason for 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alright.","start":2440.095,"end":2441.155,"sentiment":"neutral","sentiment_score":-0.011901658028364182},{"text":"Okay.","start":2459.535,"end":2460.035,"sentiment":"neutral","sentiment_score":0.01953062415122986},{"text":"There's on page 36.","start":2462.415,"end":2466.035,"sentiment":"neutral","sentiment_score":0.018627087585628033}],"sentiment":"neutral","sentiment_score":-0.18897168379690912,"num_words":27,"start":2427.26,"end":2466.035},{"sentences":[{"text":"It's showing Australian equity risk profile percentage is 30.","start":2467.775,"end":2475.17,"sentiment":"neutral","sentiment_score":-0.008505019255810313},{"text":"The proposed percentage is 20%.","start":2475.23,"end":2477.73,"sentiment":"neutral","sentiment_score":0.005336320400238036},{"text":"And then international equity, the interest risk profile is 45%.","start":2478.51,"end":2483.71,"sentiment":"neutral","sentiment_score":0.007616904564201832},{"text":"You're proposing to put it at 56%.","start":2483.71,"end":2486.37,"sentiment":"neutral","sentiment_score":0.00632224092260003},{"text":"I'm three international better than Australian.","start":2487.505,"end":2495.205,"sentiment":"neutral","sentiment_score":0.07224338408559561}],"sentiment":"neutral","sentiment_score":0.013622201765207825,"num_words":37,"start":2467.775,"end":2495.205},{"sentences":[{"text":"Yeah.","start":2509.0798,"end":2509.5798,"sentiment":"neutral","sentiment_score":0.011094707995653152},{"text":"Okay.","start":2524.4849,"end":2524.9849,"sentiment":"neutral","sentiment_score":0.017648953944444656},{"text":"And and all the stuff that's in cash and fixed interest is now going into an alternative defense defensive asset.","start":2537.3,"end":2548.115,"sentiment":"neutral","sentiment_score":0.021262234169989826},{"text":"What is that?","start":2548.115,"end":2549.095,"sentiment":"neutral","sentiment_score":0.01342465573300918},{"text":"Okay.","start":2557.71,"end":2558.21,"sentiment":"neutral","sentiment_score":0.05058933794498443}],"sentiment":"neutral","sentiment_score":0.020955832710919473,"num_words":26,"start":2509.0798,"end":2558.21},{"sentences":[{"text":"Yeah.","start":2572.9648,"end":2573.4648,"sentiment":"neutral","sentiment_score":0.019325099885463715},{"text":"Okay.","start":2583.765,"end":2584.265,"sentiment":"neutral","sentiment_score":0.008817240595817566},{"text":"Okay.","start":2588.62,"end":2589.12,"sentiment":"neutral","sentiment_score":0.020611336454749107},{"text":"Yeah.","start":2602.925,"end":2603.425,"sentiment":"neutral","sentiment_score":0.0288507342338562},{"text":"Yeah.","start":2603.725,"end":2604.225,"sentiment":"neutral","sentiment_score":0.024180177599191666}],"sentiment":"neutral","sentiment_score":0.02035691775381565,"num_words":5,"start":2572.9648,"end":2604.225},{"sentences":[{"text":"Okay.","start":2610.0452,"end":2610.5452,"sentiment":"neutral","sentiment_score":0.01831372082233429},{"text":"Alright.","start":2611.965,"end":2612.465,"sentiment":"neutral","sentiment_score":0.03672288358211517},{"text":"I put that question.","start":2613.0852,"end":2614.225,"sentiment":"neutral","sentiment_score":0.028267954010516405},{"text":"New account.","start":2626.72,"end":2627.46,"sentiment":"neutral","sentiment_score":0.0286864060908556},{"text":"Okay.","start":2631.835,"end":2632.335,"sentiment":"neutral","sentiment_score":0.04216059669852257}],"sentiment":"neutral","sentiment_score":0.029737981036305428,"num_words":9,"start":2610.0452,"end":2632.335},{"sentences":[{"text":"Yes.","start":2633.275,"end":2633.595,"sentiment":"neutral","sentiment_score":0.04953543096780777},{"text":"Okay.","start":2633.595,"end":2634.095,"sentiment":"neutral","sentiment_score":0.04087696224451065},{"text":"That's it.","start":2634.395,"end":2635.135,"sentiment":"neutral","sentiment_score":0.029261276125907898},{"text":"Sorry.","start":2636.955,"end":2637.275,"sentiment":"neutral","sentiment_score":-0.058752186596393585},{"text":"I had four pages of notes.","start":2637.275,"end":2638.895,"sentiment":"neutral","sentiment_score":-0.06645346308747928}],"sentiment":"neutral","sentiment_score":-0.028048910877921364,"num_words":11,"start":2633.275,"end":2638.895},{"sentences":[{"text":"Okay.","start":2641.915,"end":2642.415,"sentiment":"neutral","sentiment_score":0.03948429599404335},{"text":"I think that's that's probably it for me.","start":2642.89,"end":2646.33,"sentiment":"neutral","sentiment_score":0.030045149382203817},{"text":"Thank you.","start":2646.33,"end":2646.99,"sentiment":"neutral","sentiment_score":0.2966388016939163},{"text":"I I will sign as soon as I get that.","start":2648.49,"end":2651.93,"sentiment":"neutral","sentiment_score":-0.02099045775830746},{"text":"It just always goes to my junk.","start":2651.93,"end":2653.79,"sentiment":"neutral","sentiment_score":-0.2178986370563507}],"sentiment":"neutral","sentiment_score":-0.03078828366207225,"num_words":28,"start":2641.915,"end":2653.79},{"sentences":[{"text":"Oh, is that you?","start":2653.85,"end":2654.81,"sentiment":"neutral","sentiment_score":0.006626360584050417},{"text":"Yeah.","start":2654.81,"end":2655.21,"sentiment":"neutral","sentiment_score":0.03615307062864304},{"text":"I'll just move that into my inbox.","start":2655.21,"end":2657.7852,"sentiment":"neutral","sentiment_score":0.05527006275951862},{"text":"I don't know why junk.","start":2657.7852,"end":2660.5051,"sentiment":"neutral","sentiment_score":-0.2805414140224457},{"text":"Never sent you junk.","start":2660.5051,"end":2663.0051,"sentiment":"neutral","sentiment_score":-0.3040180876851082}],"sentiment":"neutral","sentiment_score":-0.10329668897958029,"num_words":21,"start":2653.85,"end":2663.0051},{"sentences":[{"text":"There you go.","start":2663.305,"end":2664.105,"sentiment":"neutral","sentiment_score":-0.18934267262617746},{"text":"It's I was gonna alright.","start":2664.105,"end":2667.385,"sentiment":"neutral","sentiment_score":-0.08500297591090203},{"text":"So I will print oh, that was for you in fifteen minutes.","start":2667.385,"end":2672.75,"sentiment":"neutral","sentiment_score":0.01225574609513084},{"text":"If sorry.","start":2675.37,"end":2680.97,"sentiment":"neutral","sentiment_score":-0.06542306207120419},{"text":"I know.","start":2680.97,"end":2681.6301,"sentiment":"neutral","sentiment_score":-0.10788048803806305}],"sentiment":"neutral","sentiment_score":-0.04969087685458362,"num_words":24,"start":2663.305,"end":2681.6301},{"sentences":[{"text":"Because yeah.","start":2681.93,"end":2683.31,"sentiment":"neutral","sentiment_score":-0.11630255356431007},{"text":"It was because I kept going to junk.","start":2684.57,"end":2686.51,"sentiment":"negative","sentiment_score":-0.3531462587416172},{"text":"No.","start":2700.08,"end":2700.58,"sentiment":"neutral","sentiment_score":-0.19019365310668945},{"text":"No.","start":2701.12,"end":2701.44,"sentiment":"neutral","sentiment_score":-0.1933913826942444},{"text":"I will try and download it and print those pages.","start":2701.44,"end":2703.92,"sentiment":"neutral","sentiment_score":-0.14602977856993676}],"sentiment":"neutral","sentiment_score":-0.22280263629826633,"num_words":22,"start":2681.93,"end":2703.92},{"sentences":[{"text":"Don't it's your day off.","start":2703.92,"end":2705.54,"sentiment":"neutral","sentiment_score":-0.019454900920391083},{"text":"Okay.","start":2713.2,"end":2713.7,"sentiment":"neutral","sentiment_score":0.038463689386844635},{"text":"Sorry.","start":2714.0,"end":2714.5,"sentiment":"neutral","sentiment_score":-0.01887289807200432},{"text":"Okay.","start":2727.375,"end":2727.875,"sentiment":"neutral","sentiment_score":0.11392269283533096},{"text":"Okay.","start":2732.45,"end":2732.69,"sentiment":"neutral","sentiment_score":0.11684081703424454}],"sentiment":"neutral","sentiment_score":0.017008866286940046,"num_words":9,"start":2703.92,"end":2732.69},{"sentences":[{"text":"Good.","start":2732.69,"end":2733.19,"sentiment":"neutral","sentiment_score":0.20871835947036743},{"text":"Alright.","start":2733.49,"end":2733.89,"sentiment":"neutral","sentiment_score":0.15768055617809296},{"text":"Thank you so much, Larissa.","start":2733.89,"end":2735.43,"sentiment":"positive","sentiment_score":0.4172495663166046},{"text":"I will as soon as I get those in, I will print and sign and then just send them back to you because I and whoever sent them to me?","start":2735.5698,"end":2746.3052,"sentiment":"neutral","sentiment_score":0.05882234753419956},{"text":"Who do I okay.","start":2747.165,"end":2754.395,"sentiment":"neutral","sentiment_score":0.024486259557306767}],"sentiment":"neutral","sentiment_score":0.10525029784113896,"num_words":41,"start":2732.69,"end":2754.395},{"sentences":[{"text":"Okay.","start":2767.74,"end":2768.24,"sentiment":"neutral","sentiment_score":0.008362536318600178},{"text":"Okay.","start":2769.18,"end":2769.68,"sentiment":"neutral","sentiment_score":0.014441207982599735},{"text":"That that's that's normal.","start":2769.74,"end":2771.935,"sentiment":"neutral","sentiment_score":0.01394092827104032},{"text":"That's fine.","start":2771.995,"end":2772.815,"sentiment":"neutral","sentiment_score":0.1765582114458084},{"text":"Yeah.","start":2779.675,"end":2780.175,"sentiment":"positive","sentiment_score":0.412526935338974}],"sentiment":"neutral","sentiment_score":0.09380120173510578,"num_words":9,"start":2767.74,"end":2780.175},{"sentences":[{"text":"Yeah.","start":2780.315,"end":2780.555,"sentiment":"positive","sentiment_score":0.5670124292373657},{"text":"That's all good.","start":2780.555,"end":2781.355,"sentiment":"positive","sentiment_score":0.7247453927993774},{"text":"Okay.","start":2781.355,"end":2781.675,"sentiment":"positive","sentiment_score":0.4800221920013428},{"text":"Thank you for the warning.","start":2781.675,"end":2782.875,"sentiment":"positive","sentiment_score":0.6646738171577453},{"text":"Because I often don't accept I just don't take calls from when I'm not expecting them, so I'll know to expect it and take it.","start":2782.875,"end":2789.87,"sentiment":"neutral","sentiment_score":-0.05975129067897797}],"sentiment":"neutral","sentiment_score":0.14431021767003196,"num_words":35,"start":2780.315,"end":2789.87},{"sentences":[{"text":"Okay.","start":2794.97,"end":2795.47,"sentiment":"neutral","sentiment_score":0.10880201309919356},{"text":"Okay.","start":2808.425,"end":2808.665,"sentiment":"neutral","sentiment_score":0.2136155664920807},{"text":"Okay.","start":2808.665,"end":2809.165,"sentiment":"neutral","sentiment_score":0.16874809563159943},{"text":"Thank you.","start":2810.2651,"end":2811.165,"sentiment":"positive","sentiment_score":0.5958563983440399},{"text":"Cool.","start":2814.94,"end":2815.0999,"sentiment":"positive","sentiment_score":0.7916237115859985}],"sentiment":"positive","sentiment_score":0.41241703058282536,"num_words":6,"start":2794.97,"end":2815.0999},{"sentences":[{"text":"Perfect.","start":2815.0999,"end":2815.5999,"sentiment":"positive","sentiment_score":0.8241287469863892},{"text":"Thank you.","start":2816.22,"end":2817.1199,"sentiment":"positive","sentiment_score":0.7959295213222504},{"text":"K.","start":2820.2998,"end":2820.7798,"sentiment":"neutral","sentiment_score":0.08321614563465118},{"text":"Bye.","start":2820.7798,"end":2821.2798,"sentiment":"neutral","sentiment_score":0.15297392010688782},{"text":"Bye bye.","start":2821.3398,"end":2822.16,"sentiment":"neutral","sentiment_score":0.14314337074756622}],"sentiment":"positive","sentiment_score":0.4197806566953659,"num_words":7,"start":2815.0999,"end":2822.16}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Carol speaking.\n\nChannel 0: Good morning, Carol. How are you\n\nChannel 1: Morning.\n\nChannel 0: going?\n\nChannel 1: Sorry. My laptop has decided now is the time that it is going to update. But it's just it just said it's restarting. So\n\nChannel 0: No. That's okay. I can go through the questions you asked anyway while\n\nChannel 1: okay.\n\nChannel 0: you wait for that to update. And and I guess majority of the questions that you asked is is, I guess, really relevant to the advice that just I think if I explain it a little bit, it'll make a little bit more sense.\n\nChannel 1: Okay.\n\nChannel 0: So in the advice document, you oh,\n\nChannel 1: I can hardly hear you just saying.\n\nChannel 0: oh, sorry. Is that\n\nChannel 1: You're\n\nChannel 0: better\n\nChannel 1: on\n\nChannel 0: better?\n\nChannel 1: I\n\nChannel 0: I was I'm I'm still half asleep too.\n\nChannel 1: can I can imagine? It's an early start for you. Thank you.\n\nChannel 0: No. No. That's okay. So the the advice has two different stages. So\n\nChannel 1: Yes.\n\nChannel 0: there's stage one, which is before the house sells,\n\nChannel 1: Yes.\n\nChannel 0: and then there's stage two after the house sells. So\n\nChannel 1: Okay.\n\nChannel 0: stage one is obviously we hit retirement. And what I wanna do is I want to basically get you a month's worth of your income need by the April 1.\n\nChannel 1: Yes.\n\nChannel 0: So that way, you are comfortable. So that way, you're not gonna go without an in an income. So what I did was I took the $1,500 a week that you wanted\n\nChannel 1: Yeah.\n\nChannel 0: and then times it by 4.33. So that way, it's an average of what we would get over a a month, an average month. And we'll withdraw basically $6,495 per month.\n\nChannel 1: Gotcha.\n\nChannel 0: Now because pension accounts take time to set up, and we can't set them up until basically the after you retire. So today would be the earliest day that I could set this account up. I know, and it's so exciting. So the withdrawal, I wanna do from your accumulation fund, which we\n\nChannel 1: Yes.\n\nChannel 0: can do. It there's nothing there's nothing stopping us from doing it. But it's just a one one off ad hoc withdrawal to basically service you income wise for the month while all of the other little bits and pieces get set up.\n\nChannel 1: Okay.\n\nChannel 0: So that's that payment that will get out to you basically before we trigger anything else. So if you sign today, I will process that payment, and you'll have it within a few days.\n\nChannel 1: Yes.\n\nChannel 0: The next thing I wanna do so one of the one of the things you raised with me was a concern because your daughters are the recipient of your funds, if anything were to happen to you, is I want to do what's called a cash out recontribution.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Now with\n\nChannel 1: That's\n\nChannel 0: most\n\nChannel 1: one\n\nChannel 0: super funds yes. Sorry?\n\nChannel 1: that's the one twenty you're talking about.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. So with most super funds like Australian Super, if you wanted to do this with Australian Super, you would have to actually cash it out into your bank account and then pay it back in, which means you're selling down assets, you're out of the market, you know, you have your buy sell costs, all the rest of it.\n\nChannel 1: Yeah.\n\nChannel 0: With Hub 24, because it's a retail and intuitive platform, we can actually just it it's it's like it's like it's just like a a little bit of a popover.\n\nChannel 1: Around\n\nChannel 0: So\n\nChannel 1: in the\n\nChannel 0: it stays within the fund. Correct. So what happens is the money will, like, leave your super fund. A investment account will be created and opened. It'll exist for all of twenty minutes.\n\nThe money will sit in that account for all of twenty minutes, and\n\nChannel 1: Yeah.\n\nChannel 0: then the money goes back over to your super account.\n\nChannel 1: Okay.\n\nChannel 0: And what happens is that money converts from taxable into tax free. So it's gonna\n\nChannel 1: Yes.\n\nChannel 0: convert your account from I did the math on this. It's your account's currently sitting at it's, like, $80.80 no. It's, like, $70.30. Your account's sitting at, like, 70% taxable and about 30% tax free,\n\nChannel 1: Yes.\n\nChannel 0: and it moves you into having a little bit over 50% tax free. So you're sitting a lot more even in terms of your tax free component\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: sitting a lot better. What that does is that you utilizes the entirety of your cap of non concessional contributions to this financial year,\n\nChannel 1: Okay.\n\nChannel 0: which means that you cannot put any more money in nonconcessionally into your super\n\nChannel 1: And that\n\nChannel 0: fund.\n\nChannel 1: okay. Non concessionary. That means just so my work stuff doesn't count?\n\nChannel 0: Your work stuff doesn't count, so your work can still contribute.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: fine.\n\nChannel 1: can't contribute anything else, and that's fine for this year.\n\nChannel 0: Correct.\n\nChannel 1: There's\n\nChannel 0: Because\n\nChannel 1: no\n\nChannel 0: then\n\nChannel 1: reason\n\nChannel 0: what\n\nChannel 1: would have anything other than work this year.\n\nChannel 0: yes. Yeah. Correct. And then what we're gonna do is then that's why as of the July 1 when the financial year rolled over, because I know that you're looking at June as a sale date, and I was like,\n\nChannel 1: Yeah.\n\nChannel 0: well, worst case scenario, it's gonna sit in your bank for a couple of weeks,\n\nChannel 1: Yeah.\n\nChannel 0: that the money can then be paid in. And what we can do is we can put up to 360,000 because we can do what's called a carry forward where\n\nChannel 1: Yeah.\n\nChannel 0: we use that financial year plus the next two financial years to put money in.\n\nChannel 1: Oh, the\n\nChannel 0: Obviously\n\nChannel 1: not okay. The next two, not a carry back. They're\n\nChannel 0: yes.\n\nChannel 1: not on grandfather\n\nChannel 0: So it's going forward with the nonconcessional.\n\nChannel 1: it. Okay.\n\nChannel 0: So you actually take from the next two years,\n\nChannel 1: Okay.\n\nChannel 0: which is\n\nChannel 1: So\n\nChannel 0: why\n\nChannel 1: for the\n\nChannel 0: we need\n\nChannel 1: if\n\nChannel 0: to wait.\n\nChannel 1: I'm anything from my dad, I cannot do anything with it.\n\nChannel 0: If dad passes away soon, we're a little bit locked out. We'd still have a little bit of wiggle room. So because you still have like, if we only put two seventy in, we're allowed up to three sixty. So we could still put a little bit in\n\nChannel 1: Yeah.\n\nChannel 0: because we still have a little bit of that cap left, but it would depend on what dad's estate looks like. It would\n\nChannel 1: Yeah.\n\nChannel 0: depend on\n\nChannel 1: That's the the maximum it would be would be around $1.80 if it was soon because that's the amount of money I have here for him in case\n\nChannel 0: yep.\n\nChannel 1: he need\n\nChannel 0: Okay. Alright. So it's\n\nChannel 1: yep.\n\nChannel 0: not\n\nChannel 1: It's not it's not a worry. So okay. I'm\n\nChannel 0: and\n\nChannel 1: just\n\nChannel 0: we'd\n\nChannel 1: gonna\n\nChannel 0: still have some room. We could pop some in. It would just be maybe we set up\n\nChannel 1: yeah.\n\nChannel 0: a little bit of an investment account or\n\nChannel 1: Yeah.\n\nChannel 0: we do something else on the side.\n\nChannel 1: Okay.\n\nChannel 0: So that's why we're we're sort of bridging that gap. Anyway, back to stage one. So once we do that cash out retribution, that makes things a little bit better for the kids if anything happens to you.\n\nChannel 1: Sorry. Yeah.\n\nChannel 0: Then we set up the pension account. So all of that has to happen before we set up the pension account. Then once the pension account is set up, that gives you your your annual ongoing or your monthly, sorry, ongoing income. So it'll take a little bit for every all the other stages to happen, which is why I'm doing that immediate cash out because I don't want you to be with that income first, and then we set up the ongoing monthly payments.\n\nChannel 1: Okay. But owing monthly oh, because we're doing that in this year. We're still talking stage one. Okay. Yeah.\n\nChannel 0: Stage one.\n\nChannel 1: Okay.\n\nChannel 0: You've already canceled your TPD insurance, 100\n\nChannel 1: Yeah.\n\nChannel 0: percent. Definitely do it. That's so that's good. That that hits us to the end of the financial\n\nChannel 1: Yeah.\n\nChannel 0: year. So\n\nChannel 1: Yeah.\n\nChannel 0: we would just keep paying things. You and I would keep in contact. And once you turn around and say the house is sold, it settled on this date, I would go fantastic. It would give me a time frame. So if if the house, for argument, say, didn't end up settling until July 20, then I we have a we have a time frame.\n\nChannel 1: Okay.\n\nChannel 0: Once the house settles, what I will do is I will trigger a rollover of AustralianSuper and close that account. Closing that account will also see the cancellation of that insurance policy. Now you're more than welcome to call them. We can also send them a letter to cancel it.\n\nChannel 1: I do\n\nChannel 0: But\n\nChannel 1: it online. I just go on my app and just say,\n\nChannel 0: and cancel\n\nChannel 1: you know,\n\nChannel 0: it. Yeah.\n\nChannel 1: the insurance and they send me a message saying, are you sure you wanna do this? Because of the whole thing that I'm gonna have another health check if I cancel it. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Perfect. So if you if you wanna still do that the day the house settles, then you're more than welcome to do that.\n\nChannel 1: Yeah.\n\nChannel 0: But, basically, the day after the settlement happens, I will trigger a rollover and request that the Australian super account is closed.\n\nChannel 1: Okay.\n\nChannel 0: And that money will go into a brand new super account that's set up under hub 24.\n\nChannel 1: Okay. Well,\n\nChannel 0: So\n\nChannel 1: that\n\nChannel 0: be\n\nChannel 1: will be in July then, won't it? Because\n\nChannel 0: it'll just be the day that the house settles, basically. So if the house does settle, you know, May or if it settles, you know, June, I'll trigger it the day the house sells.\n\nChannel 1: okay. But you won't have anywhere to put it because aren't we only doing\n\nChannel 0: We're only holding a pension account. Yep. So what I will do is I will set up a brand new accumulation account under Hub twenty four\n\nChannel 1: okay.\n\nChannel 0: to exist for just the pure purpose of being able to deposit all the money\n\nChannel 1: Okay.\n\nChannel 0: in. That account will exist for the time period of receiving the funds from the house settlement. So whether\n\nChannel 1: Yeah.\n\nChannel 0: that be 300,000 or $2.70, whichever it ends up, and receiving the money from this the Australian Superfund.\n\nChannel 1: Yeah.\n\nChannel 0: Once both of those amounts settle in that account, I'll do what's called a pension refresh. So it's where you take the money that's sitting in the pension account. It goes bloop over to the accumulation account, picks up all the money that's in the accumulation account, and then\n\nChannel 1: Yep.\n\nChannel 0: it goes back into a new newer pension account.\n\nChannel 1: Okay.\n\nChannel 0: And then that gets set up with your income stream as well.\n\nChannel 1: Okay. So the whole so while it's in the pension account, I guess, is is it earning investment income, or is it\n\nChannel 0: Yes.\n\nChannel 1: in a cash account? What?\n\nChannel 0: No. So when it's in so the current assets that you're invested in,\n\nChannel 1: Yeah.\n\nChannel 0: I had a look at them, and you you've only just had an investment change that you and Tommy did late last year. I had a look at the assets that you're holding, and I was comfortable and happy with where those assets sat. I didn't see a need to make any changes to those holdings.\n\nChannel 1: You've changed one from the s and p 200 to the s and p oh, no. The s and p five hundred's always been there, actually. It's the\n\nChannel 0: Yes.\n\nChannel 1: v g the other one. Yeah. Okay. It's\n\nChannel 0: Yeah.\n\nChannel 1: just not called 200. That's why. I was like, the 500? Didn't know I had that.\n\nChannel 0: Yeah.\n\nChannel 1: Just called something else. Yeah.\n\nChannel 0: Yeah. So that's that's all like, I'm comfortable with where they sit. So at no point is the money that you hold now, like, the the the the the few $100,000 that that's in the account now, I'm not selling any of that money except to pay you into your bank account. The\n\nChannel 1: Yes.\n\nChannel 0: money that sits there with all of the movements between the account, it happens in species, which means that it doesn't sell down. It's just literally a big claw\n\nChannel 1: Okay.\n\nChannel 0: comes down, grabs it as a bundle, and just moves it straight over into another bucket. It doesn't sell anything. It doesn't have to move as a cash. It\n\nChannel 1: Correct.\n\nChannel 0: it stays invested, which is way more beneficial.\n\nChannel 1: Yes.\n\nChannel 0: Now\n\nChannel 1: Because I at the cost I was thinking the cost of selling and buying is that would be insane.\n\nChannel 0: yes. Yeah. CGT and all the rest of it. No. None of that's happening.\n\nSo the one thing that does happen, obviously, when you pay money into the account, so when\n\nChannel 1: Yes.\n\nChannel 0: Australian AustralianSuper is gonna have to sell down. It's gonna have to sell down to cash to move over to a new trustee. That does have to happen. Once that happens\n\nChannel 1: Yes.\n\nChannel 0: and the money lands, Hub twenty four is intuitive. So what happens is within Hub twenty four, rather than going to market, Hub twenty four will actually migrate if so let's just say, like, there are trillions of dollars under Hub twenty four. Okay?\n\nChannel 1: Yes.\n\nChannel 0: And what will happen is on any given night when all of the trades are placed, Hub twenty four system will actually match up people that are trying to buy and sell.\n\nChannel 1: Okay.\n\nChannel 0: So you have cash. You're looking to buy. So it has its own mini mini market running.\n\nChannel 1: Yeah.\n\nChannel 0: And the actual market within Hub twenty four will go, oh, well, this person over here is selling, you know, IJP shares, and this person has cash. We're just gonna swap them.\n\nChannel 1: Okay.\n\nChannel 0: And this person over here is doing this, and we're gonna swap them. And so it\n\nChannel 1: Okay.\n\nChannel 0: intuitively swaps assets that Hub twenty four already holds that are moving within its own system rather than go direct to market and incur brokerage costs.\n\nChannel 1: Yes. Okay. So somebody's\n\nChannel 0: So\n\nChannel 1: gonna have more somebody else is gonna have more money to invest because they're doing well, and I'm gonna have to sell because I I need the pension money. So it just does it inside. So that's why it may incur costs.\n\nChannel 0: Yeah. Then you may have to go to market, but I've been doing this for years, and I've been, like, I've I've been in the industry for years, ten years, actually. And I've been using Hub twenty four for\n\nChannel 1: Yeah.\n\nChannel 0: six of those. And, really, honestly, like, out of the six years, I've looked at people's accounts, and I've and it's not thousands of dollars worth of brokerage over, you know, five or six years worth of the account being open. It's, like, 2 to $300 over\n\nChannel 1: Yeah.\n\nChannel 0: a five year span. So it just\n\nChannel 1: Okay.\n\nChannel 0: goes to show that, like, they're not going to market much.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Okay.\n\nChannel 0: minimal market cost.\n\nChannel 1: Okay. Okay. So alright. So that answers some of it. Okay.\n\nWhere are we? Okay.\n\nChannel 0: So you\n\nChannel 1: Okay.\n\nChannel 0: said\n\nChannel 1: So you're\n\nChannel 0: mhmm.\n\nChannel 1: that you're opening on the advice, it says the new pinch the new accumulation fund is gonna open July 1, but that's not necessarily July 1. That's as soon as money comes through.\n\nChannel 0: Yeah. So I I basically I I\n\nChannel 1: We're\n\nChannel 0: will\n\nChannel 1: done.\n\nChannel 0: open the I will open the account as soon as the house sells so I can roll over AustralianSuper.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: But the caveat is is that you will not deposit money into that account until after the July 1.\n\nChannel 1: Okay. Me personally, the what the sale of the property. Yeah. Okay.\n\nChannel 0: Correct.\n\nChannel 1: The rollover can go in because that's just a rollover or not.\n\nChannel 0: Yes. Yeah. The rollover can go in because that's\n\nChannel 1: Yes.\n\nChannel 0: a rollover that doesn't that doesn't contravene the non concessional rules.\n\nChannel 1: Okay.\n\nChannel 0: That's\n\nChannel 1: Alright.\n\nChannel 0: fine.\n\nChannel 1: Yeah. Okay. I understand that now. Okay. So where am I?\n\nChannel 0: So you said that the van cost was gonna go up by about $30\n\nChannel 1: Yeah.\n\nChannel 0: and that you were therefore, under the, like, under the assumption that you may only be able to put about $2.70 in.\n\nChannel 1: Yeah.\n\nChannel 0: I'm comfortable leaving the figures as they are, and you and I just communicate.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: we just communicate. And at the time that the house sells, I'll do an update to the document\n\nChannel 1: Okay.\n\nChannel 0: for stage two to show, you know, well, now based on the actual sale\n\nChannel 1: Yeah.\n\nChannel 0: price, once we've paid the real estate and we've paid off the mortgage and we've which also I can't believe I got the mortgage. So very wrong. Right numbers. Wrong\n\nChannel 1: It's\n\nChannel 0: order.\n\nChannel 1: so close. It's just the wrong order. But I thought maybe and then I looked at, you know, what's the balance was, and I thought, no. It's been calculated on the $2.00 9, not the $2.90. I just wasn't sure.\n\nChannel 0: Yeah. No. That's so\n\nChannel 1: No.\n\nChannel 0: fine.\n\nChannel 1: No.\n\nChannel 0: It\n\nChannel 1: That's\n\nChannel 0: was just funny.\n\nChannel 1: good. All good.\n\nChannel 0: So yeah. So if because if the house sells for a little bit more, then the figures are gonna be off anyway.\n\nChannel 1: Yeah.\n\nChannel 0: Like,\n\nChannel 1: Yeah.\n\nChannel 0: the van is obviously what the van's gonna cost. You have that confirmed. So it's just the house could sell for more. You could get a really good offer in.\n\nChannel 1: Yes. Yeah. Okay. It's sold down of that. So you can't prorate the selling of the shares or whatever my investment\n\nChannel 0: Yeah.\n\nChannel 1: to specific ones. It's gotta kind of be pro rata to\n\nChannel 0: So\n\nChannel 1: get the $4.09 5.\n\nChannel 0: no. We we can. Oh, the sick oh, the oh, yeah. The $6.04 $9.05. So we can sell, like, according to losses,\n\nChannel 1: Yeah.\n\nChannel 0: and then, like, we can go, like, loss one month and a gain one month, or we can go CGT conscious to try and get CGT zero. Well, I mean, you're in a pension account, so not really relevant. But the biggest part is is that it'll end up putting you into an unbalanced position over\n\nChannel 1: Understand.\n\nChannel 0: the long term.\n\nChannel 1: What percentage is. Yeah.\n\nChannel 0: Yeah. Because and then you'll you'll be a little bit skew with\n\nChannel 1: Yes.\n\nChannel 0: what's the word? I haven't used it long time. You'll you'll end up being My mother would be proud. Yeah. So you'll end up being a little bit off off kilter with respect to the balance of of all of your assets, and your returns aren't gonna be the same.\n\nChannel 1: Yeah. And it'll and it'll rebalance itself later anyway.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: If\n\nChannel 1: it\n\nChannel 0: it gets\n\nChannel 1: it yeah.\n\nChannel 0: too far out too far out, it'll it'll get it'll get rebalanced.\n\nChannel 1: Yeah. Okay. And you are confident in those shares that I and the investments that they have there? Because some\n\nChannel 0: Very,\n\nChannel 1: of them are\n\nChannel 0: very much.\n\nChannel 1: awful. They're just doing really cool. I know the economic climate, but they were doing they weren't doing great before the war, if we're gonna call it the war. So\n\nChannel 0: Yeah. No. I I am very, very, very much confident in them. The, like, gold prices have have shifted as well. They were doing fantastically, and and then, you know, so so silver took a massive dive.\n\nI am very much confident in terms of long term\n\nChannel 1: Yeah.\n\nChannel 0: outcomes, which is why I'm comfortable to hold. But at the same time, as we shift through, if there is anything that we wanna do little tweaks to, I will.\n\nChannel 1: Yeah.\n\nChannel 0: And I'll\n\nChannel 1: Yeah.\n\nChannel 0: just I'll call you up and say, hey. I don't like this anymore. We're just gonna we're just gonna tweak. We're gonna we're just gonna do a little shift.\n\nChannel 1: Okay. Alright. So the money will be held in cash. What does that mean?\n\nChannel 0: Where and what cash?\n\nChannel 1: So where it says that TPD is sold down. I think waiting for funds to be transferred. Any I can't remember. I said it's somewhere in that. Where am I?\n\nIs this where it is? That's where it is. Why does that look so small this time? All of that looks fine. It's it was in one of the\n\nChannel 0: Like,\n\nChannel 1: risk\n\nChannel 0: strategies?\n\nChannel 1: the\n\nChannel 0: Yep.\n\nChannel 1: disadvantages that's coming out of my super. Sorry. I can't remember. Approximately I don't want it to fit. I just it's a bit bigger.\n\nThere we go.\n\nChannel 0: Is it, like, make a non concessional contribution? You'll have 30,000 less in your cash flow. The cash account will not generate a high return compared to your other investments.\n\nChannel 1: Yes. So how much will be in the cash account? Oh,\n\nChannel 0: Well, the 300,000 will be in the cash account for all of\n\nChannel 1: so\n\nChannel 0: a couple\n\nChannel 1: that one\n\nChannel 0: of days\n\nChannel 1: does be\n\nChannel 0: until\n\nChannel 1: that will\n\nChannel 0: it\n\nChannel 1: be just\n\nChannel 0: invest.\n\nChannel 1: the days. Okay. So\n\nChannel 0: Yes.\n\nChannel 1: it's just when the disadvantage just makes me think, how long is that gonna be? But it's just the okay. So that\n\nChannel 0: Yeah. So once so, basically, like like I said, so the money has the the 300,000 or the the the proceeds from the house sale have to be paid into the accumulation account that I set up.\n\nChannel 1: Yes.\n\nChannel 0: That accumulation\n\nChannel 1: Yeah.\n\nChannel 0: account will be open for as long as it takes for the cash to settle, which realistically should be forty eight hours, nothing less.\n\nChannel 1: Yeah.\n\nChannel 0: So once\n\nChannel 1: Yeah.\n\nChannel 0: it leaves your account, it'll hit Hub twenty four pretty quickly within twenty four to forty eight. It\n\nChannel 1: Yeah.\n\nChannel 0: takes Hub twenty four less than twenty four hours to allocate it to your account\n\nChannel 1: Yeah.\n\nChannel 0: because what if they have to wait for the funds to clear in their account first.\n\nChannel 1: Yeah.\n\nChannel 0: And then once it hits your account and it's available, I can then do that refresh. So it's\n\nChannel 1: Okay.\n\nChannel 0: only gonna be in cash in that account. It'll earn an interest rate the same as what your bank account's basically earning. So it's not gonna be much to muchness difference. It just is gonna be in the account.\n\nChannel 1: No. Yeah. I\n\nChannel 0: And then once I do that, the bloop bloop from the pension, pull everything because the pension account has to close. So the pension account\n\nChannel 1: Yeah.\n\nChannel 0: will close. It'll go over to the accumulation account, pick everything up, brand new pension account, brand new setup with all of the new contribute pension withdrawal amounts\n\nChannel 1: The whole\n\nChannel 0: and everything like that.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Now because we're gonna have so many accounts open for such a short period of time, what I wanna do, and if you're comfortable with it, is hold off on submitting any beneficiary nomination forms until the end. Or the other option is is that we can submit one for every single new account that we open. I'm comfortable with whatever you're comfortable with, but you're\n\nChannel 1: Oh, so to do the beneficiary forms all over again.\n\nChannel 0: yes. Because it's a it's attached to your account. New account, new beneficiary form. So I I'll send I'll send you the the forms out. That's nice and easy.\n\nI'll make sure that they're all sent out to you and the\n\nChannel 1: Okay.\n\nChannel 0: girl's\n\nChannel 1: Oh, because those are hard\n\nChannel 0: details.\n\nChannel 1: copies, aren't they?\n\nChannel 0: They are.\n\nChannel 1: You need the hard copies signed.\n\nChannel 0: Yes. I mean, I\n\nChannel 1: Okay.\n\nChannel 0: can email it to you. You can print it. You can get it signed. So we can do it pretty quickly.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, once it's once it's like like, once the final pension account's set up, that's that's the one we're gonna roll with for long term. But, obviously, you're gonna have two other accounts set up in a small little interim period.\n\nChannel 1: Yeah.\n\nChannel 0: Hub twenty four as a base have a a state allocation. So that means that if anything were to happen, they would direct the funds to your estate. So if you don't have a beneficiary on either of those accounts and something happened to you, it's an estate\n\nChannel 1: Yeah.\n\nChannel 0: nomination.\n\nChannel 1: Okay. Yeah. I just would prefer to avoid all that.\n\nChannel 0: Yeah. So we can we can we I can I can I can email you the form\n\nChannel 1: Yeah.\n\nChannel 0: so that way you have it? I can fill out all the details except for the account number, and I just email you saying, hey. Account number, this has been opened. Do you wanna fill out the form? You fill out the form,\n\nChannel 1: Okay.\n\nChannel 0: and we then we submit it to make it pretty easy.\n\nChannel 1: Okay. Okay. That makes sense. Alright. So opening another accumulation account, is that why the fees I'm paying the fees twice?\n\nChannel 0: So the $4.09 50, you paid that once to set everything up. Oh, what is?\n\nChannel 1: But I've paid that's what I've already paid originally.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: That was\n\nChannel 1: I pay\n\nChannel 0: yeah.\n\nChannel 1: annual and I pay an annual advice\n\nChannel 0: Advise\n\nChannel 1: fee.\n\nChannel 0: fee. Yep. So the annual advice fee obviously keeps going.\n\nChannel 1: Yeah.\n\nChannel 0: With the pension, it's so $1,500 is what we charge to set up a full pension account because of the complexities of the the setup, the migration, the, you know, the timing of everything, making sure that everything is happening in in time and and in line with what you need,\n\nChannel 1: Yeah.\n\nChannel 0: it's it's very administratively heavy. So we need to obviously make sure that we can keep our lights on and keep going with everything that we're\n\nChannel 1: Okay.\n\nChannel 0: doing.\n\nChannel 1: Yeah.\n\nChannel 0: So we do charge that fee. If you're comfortable, you can pay for it out of pocket rather than the super fund.\n\nChannel 1: I'd pay for it out of the super fund because it's\n\nChannel 0: Yep.\n\nChannel 1: just easier.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Then the the adviser fee again, it looks like it's twice. It looks like I'm paying it twice, the $9.09.\n\nChannel 0: No. No. You're not you're not paying it twice. Not at all. Not at all.\n\nNo. It's I I know that it's reiterated twice in the document, and it's re it's\n\nChannel 1: No. But it's it's still it's not that it's saying it twice. It's the 1.65 percent, and it's capped at 4 is it capped at $4.09 $5.00?\n\nChannel 0: Mhmm.\n\nChannel 1: No.\n\nChannel 0: No. It's capped at $9.09.\n\nChannel 1: But what the cap used to be less than that.\n\nChannel 0: Your $4.09 $5.00, that's the that's the on that that's our initial fee cap.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: That's the initial fee cap. But I\n\nChannel 0: Yes.\n\nChannel 1: paid the fee cap when I joined with you\n\nChannel 0: Oakview.\n\nChannel 1: guys.\n\nChannel 0: Correct.\n\nChannel 1: Yes. So why am I being charged that again? Because I'm paying an ongoing advice fee and that's what you're doing now is you're giving me advice. So I'm confused as to why I'm being charged again as much as nearly 10 k.\n\nChannel 0: The 10 k, that's our ongoing advice fee. The 1.65%.\n\nChannel 1: Yeah.\n\nChannel 0: Because you you currently pay 1.65% in an ongoing advice fee.\n\nChannel 1: But that is capped at a certain amount, isn't it?\n\nChannel 0: 9,900.\n\nChannel 1: But that's still isn't that nine times is and what is that percentage? Is that still 1.65 or that's just the cap?\n\nChannel 0: It it ends up being a like, because you the like, it would end up being less than 1.65%\n\nChannel 1: Okay. Because it's capped.\n\nChannel 0: because\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: thought\n\nChannel 0: capped. Yep.\n\nChannel 1: I thought the cap was around 6,000. I don't know why.\n\nChannel 0: The cap is 600,000 in terms of balance.\n\nChannel 1: Okay. I still thought that these wouldn't go more than 6,000. Because that it just feels so much. It sounds like it's such a lot of money\n\nChannel 0: Yep.\n\nChannel 1: Regardless of how much money I kind of have in there, you are still doing the same kind of advice. Okay. Yeah. I guess it is what it is.\n\nChannel 0: But the good thing is is you have full access to myself or Tommy as well to be able to assist you with any questions and anything. And I'm gonna be very, very much on top of making sure that everything goes very smoothly throughout the whole implementation of this to make sure that you get the most out of everything. And then I'm here to hold your hand when we hit 67, and we can jump straight into Social Security as well and and getting Social Security benefits. I can help you fill out all the forms for it and everything like that.\n\nChannel 1: Yeah. I get somebody mentioned to me that, you know, my diabetes being insulin dependent and all of that. There's nothing we can use there for any social benefits and stuff.\n\nChannel 0: So I had I I did have a look at Social Security. You could look at going on JobSeeker. You'd need to wait a couple of months to apply because\n\nChannel 1: Yeah.\n\nChannel 0: you voluntarily resigned. So you could choose to, like, leave work and and sorry. You could choose to,\n\nChannel 1: Yeah.\n\nChannel 0: oh, apply.\n\nChannel 1: Yeah.\n\nChannel 0: Medically, you wouldn't get an exemption because you're you're a healthy woman. So it does mean that they're gonna have a work requirement of you,\n\nChannel 1: Yeah.\n\nChannel 0: which means that you're gonna have to apply for jobs. You're gonna have to meet with, like I call them work counselors. I'm sure they have another name for them, but\n\nChannel 1: Yeah.\n\nChannel 0: people that try and set people up with jobs. And you, like, you may have to volunteer stuff like that. So it's going to really impact on your your life\n\nChannel 1: Yeah.\n\nChannel 0: and travel plans. So it becomes a little bit painful in that area, but\n\nChannel 1: Yeah.\n\nChannel 0: it's definitely still an avenue you could explore. But it's not one that I see as being an easy avenue for\n\nChannel 1: No.\n\nChannel 0: you and for your retirement.\n\nChannel 1: I won't be doing that. No. No. Alright. Oh, so the forms, do I just print out that POA, all of it, and then not POA.\n\nWhat's it? The\n\nChannel 0: S s\n\nChannel 1: add\n\nChannel 0: o statement advice. S o\n\nChannel 1: Yeah.\n\nChannel 0: a. Yeah. You don't have to you don't have to print it. You can print it if you want to. We're actually able to sign it on the computer\n\nChannel 1: With\n\nChannel 0: if you're\n\nChannel 1: my\n\nChannel 0: comfortable\n\nChannel 1: mouse.\n\nChannel 0: to do so.\n\nChannel 1: I don't yeah. It's just finding it with the mouse. It's so\n\nChannel 0: It's weird. You can you can definitely print it. If you'd like, I can email it to you so it's a bit easier for you to print. I can email it all to you, and you can sign it. There's a few pages to sign on the application\n\nChannel 1: If you\n\nChannel 0: form\n\nChannel 1: can\n\nChannel 0: for Hub\n\nChannel 1: mail\n\nChannel 0: 24.\n\nChannel 1: those separate, I can then print that and because I can't print it from my computer. I've got it printed from my phone. I ordered it just doesn't work from my computer for whatever reason. So if you can send that to me, it's just the ones\n\nChannel 0: Yep.\n\nChannel 1: I have to sign, then\n\nChannel 0: Yeah.\n\nChannel 1: I can do that and send that to you.\n\nChannel 0: Definitely. Can you do me a favor? While we're on the phone,\n\nChannel 1: Yes.\n\nChannel 0: your bank account details, are you a 100%\n\nChannel 1: I've double checked it. It is they are correct.\n\nChannel 0: okay. Fantastic. I'm just always really cautious. So what I'll do is I'll email you the do you want just the print pay the the pages to sign?\n\nChannel 1: Just the ones to start. And that's yeah. Because it's come through as an attachment. Your statement of advice document is a it's an attached thing and says signed document. If\n\nChannel 0: Yes.\n\nChannel 1: you\n\nChannel 0: If\n\nChannel 1: could\n\nChannel 0: you click on sign documents, you\n\nChannel 1: yeah.\n\nChannel 0: can sign\n\nChannel 1: I've\n\nChannel 0: it\n\nChannel 1: got\n\nChannel 0: through there.\n\nChannel 1: yeah. I've got that on So if I do that, I may I might be able to print it from there. And then it's just the last pages. Hey.\n\nChannel 0: Yeah. Yeah. It's just the the last pages. So there's I mean, some of\n\nChannel 1: It's\n\nChannel 0: them are,\n\nChannel 1: more\n\nChannel 0: like, the second last pages, but yeah.\n\nChannel 1: if you update should I have it updated with the correct details or it doesn't matter?\n\nChannel 0: No. It's fine. It's it's it's they're nominal. Like, I'm not concerned about the mortgage is gonna be cleared out anyway. So if it's $2.00 9 or $2.90, still can't believe I did that.\n\nIt's fine, and we'll update things and touch base when the house sells anyway.\n\nChannel 1: Yeah.\n\nChannel 0: Because if the house sells for more, then things might change there.\n\nChannel 1: Okay. Alrighty. What else did I have? You know that the documents with the different Discover call choices that that's just the different things. I'm on call anyway on time.\n\nChannel 0: You're on choice. That's the that's the menu option for hub twenty four. They have three different menus.\n\nChannel 1: Yeah.\n\nChannel 0: Each of\n\nChannel 1: Oh,\n\nChannel 0: the menus have different investment options.\n\nChannel 1: okay.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. And is that the best thing to be on? Are they no because that's the one that's got the most fees as well.\n\nChannel 0: It's the one that has the the largest investment offerings. Yes.\n\nChannel 1: Oh, okay. Alright. Okay. Yeah. If you can okay.\n\nCan I print from that? Let me just see if I can sign with my mouse. So I'm not we're not changing this document.\n\nChannel 0: No. We just\n\nChannel 1: Click\n\nChannel 0: may do an update later depending on what they have sales for.\n\nChannel 1: you see. No. It's it's it's just offering me the cancel. It's offering me my written signature, not a signature signature.\n\nChannel 0: Okay. I will I will email you the pages,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: And\n\nChannel 0: I can\n\nChannel 1: then\n\nChannel 0: just\n\nChannel 1: I'll\n\nChannel 0: email you the the print pages.\n\nChannel 1: okay. Thank you.\n\nChannel 0: No. That's okay. Absolutely.\n\nChannel 1: I think we've answered everything. Oh, notice of intent. What does that mean? What\n\nChannel 0: Oh,\n\nChannel 1: exactly thing.\n\nChannel 0: yes. So so because because we're doing the cash out retontribution of the 120,\n\nChannel 1: Yeah.\n\nChannel 0: we talked about possibly converting some of the money into concessional to save you on tax\n\nChannel 1: Yeah. I\n\nChannel 0: depending\n\nChannel 1: can't\n\nChannel 0: on how your income like, your return goes. Normally, I could say with certainty, do it for this amount.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But because\n\nChannel 1: But\n\nChannel 0: your\n\nChannel 1: I I\n\nChannel 0: your income's 40,000 and then you've got your 16,000 of fringe benefits, and you said you had between 7 and 8,000 you could claim on, you're already sitting pretty low in the tax brackets.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I didn't think there was anything too much that we could do in that realm. So\n\nChannel 1: Yeah.\n\nChannel 0: I just I recommend, like, go to when you sit down with your accountant, just let them know, hey. I've put a $120,000 into my super fund this year.\n\nChannel 1: Yeah.\n\nChannel 0: Should I claim any of it and do a word of intent and and convert it from nonconcessional into concessional and save on tax? Is there anything we can do to save more tax personally?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it's just it's a conversation with your accountant. So it's not something I can tell you a figure on. Normally,\n\nChannel 1: Yeah.\n\nChannel 0: I would, but your income's in that weird bracket.\n\nChannel 1: Yeah. K. So of the one twenty, is there anything that needs to be declared as non concessional because it's after\n\nChannel 0: As as concessional. So is there anything that we should claim concessionally and save on tax? I\n\nChannel 1: And\n\nChannel 0: don't think\n\nChannel 1: so\n\nChannel 0: there's going to be, to be completely honest, but it's still a good conversation to have with your accountant.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And when you meet with your accountant, I'm more than happy if you wanna give me a call when you're in the room with the accountant.\n\nChannel 1: I do it online. Because when I Ubered, I used a lady that does Uber tax. She does all the Ubering kind of tax\n\nChannel 0: Yep.\n\nChannel 1: stuff, and\n\nChannel 0: Yeah.\n\nChannel 1: I've just stayed with her and it cost me\n\nChannel 0: Yeah. Well, I'm happy that if if when you go to do tax time, I can send an email to to outline things, and you can just\n\nChannel 1: nothing.\n\nChannel 0: include that email and and send it off to the accountant, and the accountant's able to come\n\nChannel 1: It\n\nChannel 0: back\n\nChannel 1: off\n\nChannel 0: to\n\nChannel 1: to\n\nChannel 0: me.\n\nChannel 1: that will be off to we've done everything.\n\nChannel 0: It it'll be the accountant will basically do your tax return. At the end of\n\nChannel 1: Yeah.\n\nChannel 0: the tax return, they'll be like, oh, well, we could we could claim the money that you've put into your super fund. And\n\nChannel 1: Yeah.\n\nChannel 0: what will happen is the money you put into your super fund, the $1.20, we submit what is called a notice of intention to claim or vary a contribution as a deduction, or we just call\n\nChannel 1: Yeah.\n\nChannel 0: it notice of intent because the name\n\nChannel 1: Okay.\n\nChannel 0: is ridiculous. And what happens is you write a specific amount down and you convert that from non concessional into concessional, which means that the super fund pays 15% tax, and then you get to claim that amount back on your tax\n\nChannel 1: Okay.\n\nChannel 0: return. So it only really works if you're gonna you're intending on paying less than 50, more than 15% tax personally because, otherwise, you're paying 15% tax in the super\n\nChannel 1: Yeah.\n\nChannel 0: funds and less personally. So it only works out if the numbers work out.\n\nChannel 1: Yeah. No. It's it's it'll be marginal anyway, and it's just a fact.\n\nChannel 0: Correct.\n\nChannel 1: It's not yeah. Okay. No prob. I think that was that biggest concern is that the so\n\nChannel 0: You still there? Oh, there you are.\n\nChannel 1: the new mix of investments, you're moving 10% out of Australian equity to international equity.\n\nChannel 0: I'm\n\nChannel 1: Adjusting that, is there a reason for that?\n\nChannel 0: not adjusting anything.\n\nChannel 1: There's the new that's all there. New things.\n\nChannel 0: Oh, like because car like, currently, your fund has, like, 28.4% sitting in, like, iShares S and P, and then there's, like,\n\nChannel 1: Yeah.\n\nChannel 0: 20.4% sitting in data shares, but I'm gonna have it at thirty and twenty respectively. So the the numbers are a little bit off in terms of, you know, you hold slightly higher in some of the assets than what\n\nChannel 1: It\n\nChannel 0: I\n\nChannel 1: looked\n\nChannel 0: would\n\nChannel 1: looked like virtually straight 10% out of the one into the other, which I wasn't sure of. Okay. This alright. Okay. There's on page 36.\n\nIt's showing Australian equity risk profile percentage is 30. The proposed percentage is 20%. And then international\n\nChannel 0: Yep.\n\nChannel 1: equity, the interest risk profile is 45%. You're proposing to put it at 56%.\n\nChannel 0: Right.\n\nChannel 1: I'm\n\nChannel 0: Yes.\n\nChannel 1: three\n\nChannel 0: Okay. No.\n\nChannel 1: international\n\nChannel 0: No. You're okay. Yeah.\n\nChannel 1: better than Australian.\n\nChannel 0: No. No. No. That's so fine. Okay.\n\nNow that I understand. So risk profile wise, we we set parameters for what like, in each risk profile, what we aim to sort of hit.\n\nChannel 1: Yeah.\n\nChannel 0: In terms of where we're currently sitting, I am sitting a little bit heavier in internationally than what I am Australian equities wise, and that's just because the international has the better cushion than what the Australian does.\n\nChannel 1: Okay.\n\nChannel 0: As markets move and and transition, we may ebb the other way. But right this second, the international just has the the better the cushion for the market doing what it's doing.\n\nChannel 1: And and\n\nChannel 0: Yeah.\n\nChannel 1: all the stuff that's in cash and fixed interest is now going into an alternative defense defensive asset. What is that?\n\nChannel 0: No. That's okay. So you have BHYB. You have IAF. They are\n\nChannel 1: Okay.\n\nChannel 0: both alternative assets. So in the risk profile, we look to have, you know, like, between, basically, 20% sitting defensively, but we have a variance of, like, 10% either either way. So as\n\nChannel 1: Yeah.\n\nChannel 0: the market moves, we may kind of move a little bit more heavily into defensive assets, and we can have a variance within that risk profile of 10% leeway within\n\nChannel 1: Okay.\n\nChannel 0: each of those positions.\n\nChannel 1: Okay.\n\nChannel 0: So for, like, the defense of assets, we're hitting pretty much the on point. We don't have any fixed interest in the portfolio when, obviously, we're not aiming to have any cash. The account itself will have about 1.2% cash. It always\n\nChannel 1: Yeah.\n\nChannel 0: has 1.2\n\nChannel 1: Yeah.\n\nChannel 0: percent cash in the cash account. But outside of that, we're not looking to have anything else.\n\nChannel 1: Okay. Alright. I put that question. New account. Okay.\n\nYes. Okay. That's it. Sorry. I had four pages of notes.\n\nOkay. I think that's that's probably it for me. Thank you.\n\nChannel 0: No. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: I will sign as soon as I get that. It just always goes to my junk. Oh, is that you? Yeah. I'll just move that into my inbox.\n\nI don't know why junk. Never sent you junk. There you go. It's I was gonna alright. So I will\n\nChannel 0: Okay.\n\nChannel 1: print oh, that was for you in fifteen minutes.\n\nChannel 0: Yes. I\n\nChannel 1: If\n\nChannel 0: emailed you, and then I realized that an email and a text is two different things, so I text you as well.\n\nChannel 1: sorry. I know. Because\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: You're fine.\n\nChannel 1: It was because I kept going to junk.\n\nChannel 0: And what I'll do is I'll I'll literally I'll I'll pull the pages out, and I'll I'll email them through to you. I lied. It's actually my day off. I'm gonna get someone else to email them through to you. So\n\nChannel 1: No. No. I will try and download it and print those pages. Don't it's\n\nChannel 0: It's\n\nChannel 1: your day\n\nChannel 0: fine.\n\nChannel 1: off.\n\nChannel 0: I'm I'm online. So what I'll do is I'll email my team and get my team to email you the pages that you need.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Sorry.\n\nChannel 0: Do not apologize at all. I am so happy to have been able to solve it all and get all the questions answered. It was my choice to allow a call today, so it's\n\nChannel 1: Okay.\n\nChannel 0: fine. Just know that I'm still in my pajama pants.\n\nChannel 1: Okay. Good. Alright. Thank you so much, Larissa. I will as soon as I\n\nChannel 0: No.\n\nChannel 1: get those\n\nChannel 0: My pleasure.\n\nChannel 1: in, I will print and sign and then just send them back to you because I and whoever sent them to me?\n\nChannel 0: Yeah.\n\nChannel 1: Who\n\nChannel 0: Just\n\nChannel 1: do I\n\nChannel 0: reply straight to the to who sent it to you, and they will start the administration. They'll be in touch with me today,\n\nChannel 1: okay.\n\nChannel 0: and I'll just make sure that everything gets triggered the way it needs to. The one thing I haven't told you, which I do need to, is your bank account details. Because they've never been applied to the account before, you will get a call from Hub twenty four within the next couple of days\n\nChannel 1: Okay.\n\nChannel 0: to verify them.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: That that's that's normal. That's fine.\n\nChannel 0: So yes. Yeah. Very, very much normal. Just a security measure to make sure that the bank account details are correct and everything's fine.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. That's all good. Okay. Thank you for the warning. Because I often don't accept I just don't take calls from when I'm not expecting them, so I'll know to expect it and take it.\n\nChannel 0: I normally know before they even try and call you anyway. So I'll\n\nChannel 1: Okay.\n\nChannel 0: just I'll literally email you, text you, call you, and say, hey. They wanna verify details. You can call them on this number, and it's this reference number that you need a quote. That way you can do the reaching out rather than waiting for them.\n\nChannel 1: Okay.\n\nChannel 0: It's\n\nChannel 1: Okay.\n\nChannel 0: quicker that\n\nChannel 1: Thank you.\n\nChannel 0: way. That's okay. My pleasure.\n\nChannel 1: Cool. Perfect. Thank you.\n\nChannel 0: That's okay. I'll talk to you soon, Carol.\n\nChannel 1: K. Bye. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.36,"end":1.76,"sentiment":"neutral","sentiment_score":0.1155019998550415},{"text":"Carol speaking.","start":1.76,"end":2.58,"sentiment":"neutral","sentiment_score":0.12796897441148758}],"sentiment":"neutral","sentiment_score":0.12381331622600555,"channel":1,"num_words":3,"start":1.36,"end":2.58},{"sentences":[{"text":"Good morning, Carol.","start":3.36,"end":4.56,"sentiment":"positive","sentiment_score":0.5610419710477194},{"text":"How are you","start":4.56,"end":5.12,"sentiment":"positive","sentiment_score":0.5447773536046346}],"sentiment":"positive","sentiment_score":0.552909662326177,"channel":0,"num_words":6,"start":3.36,"end":5.12},{"sentences":[{"text":"Morning.","start":5.04,"end":5.54,"sentiment":"positive","sentiment_score":0.4533866047859192}],"sentiment":"positive","sentiment_score":0.4533866047859192,"channel":1,"num_words":1,"start":5.04,"end":5.54},{"sentences":[{"text":"going?","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.27329716086387634}],"sentiment":"neutral","sentiment_score":0.27329716086387634,"channel":0,"num_words":1,"start":5.12,"end":5.62},{"sentences":[{"text":"Sorry.","start":5.92,"end":6.3199997,"sentiment":"neutral","sentiment_score":-0.11073662340641022},{"text":"My laptop has decided now is the time that it is going to update.","start":6.3199997,"end":11.3,"sentiment":"neutral","sentiment_score":-0.13728522243244307},{"text":"But it's just it just said it's restarting.","start":12.255,"end":15.075001,"sentiment":"neutral","sentiment_score":-0.1854684939607978},{"text":"So","start":15.295,"end":15.795,"sentiment":"neutral","sentiment_score":-0.13649769127368927}],"sentiment":"neutral","sentiment_score":-0.15220730751752853,"channel":1,"num_words":24,"start":5.92,"end":15.795},{"sentences":[{"text":"No.","start":16.655,"end":17.055,"sentiment":"neutral","sentiment_score":-0.2365311086177826},{"text":"That's okay.","start":17.055,"end":18.095001,"sentiment":"neutral","sentiment_score":-0.04048686847090721},{"text":"I can go through the questions you asked anyway while","start":18.095001,"end":20.735,"sentiment":"neutral","sentiment_score":0.1624607503414154}],"sentiment":"neutral","sentiment_score":0.10054635829650439,"channel":0,"num_words":13,"start":16.655,"end":20.735},{"sentences":[{"text":"okay.","start":20.654999,"end":21.154999,"sentiment":"neutral","sentiment_score":0.0974174663424492}],"sentiment":"neutral","sentiment_score":0.0974174663424492,"channel":1,"num_words":1,"start":20.654999,"end":21.154999},{"sentences":[{"text":"you wait for that to update.","start":20.735,"end":22.175,"sentiment":"neutral","sentiment_score":0.078347763667504},{"text":"And and I guess majority of the questions that you asked is is, I guess, really relevant to the advice that just I think if I explain it a little bit, it'll make a little bit more sense.","start":22.175,"end":35.09,"sentiment":"neutral","sentiment_score":0.18076508168719316}],"sentiment":"neutral","sentiment_score":0.16679908377541738,"channel":0,"num_words":44,"start":20.735,"end":35.09},{"sentences":[{"text":"Okay.","start":35.07,"end":35.57,"sentiment":"neutral","sentiment_score":0.08462920784950256}],"sentiment":"neutral","sentiment_score":0.08462920784950256,"channel":1,"num_words":1,"start":35.07,"end":35.57},{"sentences":[{"text":"So in the advice document, you oh,","start":36.35,"end":40.38,"sentiment":"neutral","sentiment_score":0.06818499682205063}],"sentiment":"neutral","sentiment_score":0.06818499682205063,"channel":0,"num_words":7,"start":36.35,"end":40.38},{"sentences":[{"text":"I can hardly hear you just saying.","start":40.19,"end":42.345,"sentiment":"neutral","sentiment_score":-0.06572811571615082}],"sentiment":"neutral","sentiment_score":-0.06572811571615082,"channel":1,"num_words":7,"start":40.19,"end":42.345},{"sentences":[{"text":"oh, sorry.","start":42.405,"end":43.365,"sentiment":"neutral","sentiment_score":-0.01195969246327877},{"text":"Is that","start":43.365,"end":43.685,"sentiment":"neutral","sentiment_score":0.031890662387013435}],"sentiment":"neutral","sentiment_score":0.009965484961867332,"channel":0,"num_words":4,"start":42.405,"end":43.685},{"sentences":[{"text":"You're","start":43.625,"end":44.025,"sentiment":"neutral","sentiment_score":0.12497015297412872}],"sentiment":"neutral","sentiment_score":0.12497015297412872,"channel":1,"num_words":1,"start":43.625,"end":44.025},{"sentences":[{"text":"better","start":43.685,"end":44.085,"sentiment":"neutral","sentiment_score":0.075216144323349}],"sentiment":"neutral","sentiment_score":0.075216144323349,"channel":0,"num_words":1,"start":43.685,"end":44.085},{"sentences":[{"text":"on","start":44.025,"end":44.265,"sentiment":"neutral","sentiment_score":0.21850037574768064}],"sentiment":"neutral","sentiment_score":0.21850037574768064,"channel":1,"num_words":1,"start":44.025,"end":44.265},{"sentences":[{"text":"better?","start":44.085,"end":44.585,"sentiment":"neutral","sentiment_score":0.09289716184139252}],"sentiment":"neutral","sentiment_score":0.09289716184139252,"channel":0,"num_words":1,"start":44.085,"end":44.585},{"sentences":[{"text":"I","start":47.025,"end":47.525,"sentiment":"neutral","sentiment_score":-0.0820351094007492}],"sentiment":"neutral","sentiment_score":-0.0820351094007492,"channel":1,"num_words":1,"start":47.025,"end":47.525},{"sentences":[{"text":"I was I'm I'm still half asleep too.","start":47.445,"end":49.625,"sentiment":"neutral","sentiment_score":-0.0628779511898756}],"sentiment":"neutral","sentiment_score":-0.0628779511898756,"channel":0,"num_words":8,"start":47.445,"end":49.625},{"sentences":[{"text":"can I can imagine?","start":49.785,"end":51.485,"sentiment":"neutral","sentiment_score":0.044530523009598255},{"text":"It's an early start for you.","start":51.625,"end":53.385002,"sentiment":"positive","sentiment_score":0.4381118913491567},{"text":"Thank you.","start":53.385002,"end":54.125,"sentiment":"positive","sentiment_score":0.5272953510284424}],"sentiment":"neutral","sentiment_score":0.3217820118491848,"channel":1,"num_words":12,"start":49.785,"end":54.125},{"sentences":[{"text":"No.","start":54.66,"end":54.82,"sentiment":"neutral","sentiment_score":-0.10459932684898376},{"text":"No.","start":54.82,"end":55.14,"sentiment":"neutral","sentiment_score":-0.10852698236703873},{"text":"That's okay.","start":55.14,"end":55.96,"sentiment":"neutral","sentiment_score":-0.05084776505827904},{"text":"So the the advice has two different stages.","start":56.82,"end":63.8,"sentiment":"neutral","sentiment_score":0.024933500913903117},{"text":"So","start":64.5,"end":64.74,"sentiment":"neutral","sentiment_score":0.043637149035930634}],"sentiment":"neutral","sentiment_score":-0.005516667921955769,"channel":0,"num_words":13,"start":54.66,"end":64.74},{"sentences":[{"text":"Yes.","start":64.6,"end":65.1,"sentiment":"neutral","sentiment_score":0.08006230741739273}],"sentiment":"neutral","sentiment_score":0.08006230741739273,"channel":1,"num_words":1,"start":64.6,"end":65.1},{"sentences":[{"text":"there's stage one, which is before the house sells,","start":64.74,"end":67.8,"sentiment":"neutral","sentiment_score":0.02680216564072503}],"sentiment":"neutral","sentiment_score":0.02680216564072503,"channel":0,"num_words":9,"start":64.74,"end":67.8},{"sentences":[{"text":"Yes.","start":68.2,"end":68.7,"sentiment":"neutral","sentiment_score":0.08164533972740173}],"sentiment":"neutral","sentiment_score":0.08164533972740173,"channel":1,"num_words":1,"start":68.2,"end":68.7},{"sentences":[{"text":"and then there's stage two after the house sells.","start":68.365005,"end":70.945,"sentiment":"neutral","sentiment_score":0.019350490843256313},{"text":"So","start":71.165,"end":71.405,"sentiment":"neutral","sentiment_score":0.07700026780366898}],"sentiment":"neutral","sentiment_score":0.02511546853929758,"channel":0,"num_words":10,"start":68.365005,"end":71.405},{"sentences":[{"text":"Okay.","start":71.225,"end":71.725,"sentiment":"neutral","sentiment_score":0.12178029865026474}],"sentiment":"neutral","sentiment_score":0.12178029865026474,"channel":1,"num_words":1,"start":71.225,"end":71.725},{"sentences":[{"text":"stage one is obviously we hit retirement.","start":71.405,"end":74.465004,"sentiment":"neutral","sentiment_score":0.08841302139418465},{"text":"And what I wanna do is I want to basically get you a month's worth of your income need by the April 1.","start":75.245,"end":83.78999,"sentiment":"neutral","sentiment_score":0.1650568949787513}],"sentiment":"neutral","sentiment_score":0.14717332447568576,"channel":0,"num_words":30,"start":71.405,"end":83.78999},{"sentences":[{"text":"Yes.","start":84.3,"end":84.8,"sentiment":"neutral","sentiment_score":0.26212459802627563}],"sentiment":"neutral","sentiment_score":0.26212459802627563,"channel":1,"num_words":1,"start":84.3,"end":84.8},{"sentences":[{"text":"So that way, you are comfortable.","start":84.49,"end":87.07,"sentiment":"positive","sentiment_score":0.41061487297217053},{"text":"So that way, you're not gonna go without an in an income.","start":87.369995,"end":90.27,"sentiment":"positive","sentiment_score":0.36607759197552997},{"text":"So what I did was I took the $1,500 a week that you wanted","start":91.13,"end":96.215,"sentiment":"neutral","sentiment_score":0.23627022334507533}],"sentiment":"neutral","sentiment_score":0.3176376083865762,"channel":0,"num_words":32,"start":84.49,"end":96.215},{"sentences":[{"text":"Yeah.","start":96.615,"end":97.115,"sentiment":"neutral","sentiment_score":0.15410062670707703}],"sentiment":"neutral","sentiment_score":0.15410062670707703,"channel":1,"num_words":1,"start":96.615,"end":97.115},{"sentences":[{"text":"and then times it by 4.33.","start":96.755,"end":99.095,"sentiment":"neutral","sentiment_score":0.14321849991877875},{"text":"So that way, it's an average of what we would get over a a month, an average month.","start":99.314995,"end":103.895,"sentiment":"neutral","sentiment_score":0.27748675230476594},{"text":"And we'll withdraw basically $6,495 per month.","start":104.275,"end":108.375,"sentiment":"neutral","sentiment_score":0.1745322815009526}],"sentiment":"neutral","sentiment_score":0.22825156488726217,"channel":0,"num_words":31,"start":96.755,"end":108.375},{"sentences":[{"text":"Gotcha.","start":108.509995,"end":109.009995,"sentiment":"neutral","sentiment_score":0.11383400857448578}],"sentiment":"neutral","sentiment_score":0.11383400857448578,"channel":1,"num_words":1,"start":108.509995,"end":109.009995},{"sentences":[{"text":"Now because pension accounts take time to set up, and we can't set them up until basically the after you retire.","start":108.674995,"end":115.58,"sentiment":"neutral","sentiment_score":0.06613795370573089},{"text":"So today would be the earliest day that I could set this account up.","start":115.58,"end":118.479996,"sentiment":"neutral","sentiment_score":0.27317417838743757},{"text":"I know, and it's so exciting.","start":119.82,"end":121.84,"sentiment":"positive","sentiment_score":0.5795246114333471},{"text":"So the withdrawal, I wanna do from your accumulation fund, which we","start":124.22,"end":129.435,"sentiment":"neutral","sentiment_score":0.31675050407648087}],"sentiment":"neutral","sentiment_score":0.23568847627853448,"channel":0,"num_words":53,"start":108.674995,"end":129.435},{"sentences":[{"text":"Yes.","start":129.405,"end":129.905,"sentiment":"positive","sentiment_score":0.3982643485069275}],"sentiment":"positive","sentiment_score":0.3982643485069275,"channel":1,"num_words":1,"start":129.405,"end":129.905},{"sentences":[{"text":"can do.","start":129.435,"end":130.075,"sentiment":"positive","sentiment_score":0.4529748111963272},{"text":"It there's nothing there's nothing stopping us from doing it.","start":130.075,"end":132.815,"sentiment":"neutral","sentiment_score":0.29768497552722695},{"text":"But it's just a one one off ad hoc withdrawal to basically service you income wise for the month while all of the other little bits and pieces get set up.","start":133.275,"end":143.36,"sentiment":"neutral","sentiment_score":0.15950310590767092}],"sentiment":"neutral","sentiment_score":0.20528827118145865,"channel":0,"num_words":43,"start":129.435,"end":143.36},{"sentences":[{"text":"Okay.","start":143.37,"end":143.87,"sentiment":"neutral","sentiment_score":0.2801229953765869}],"sentiment":"neutral","sentiment_score":0.2801229953765869,"channel":1,"num_words":1,"start":143.37,"end":143.87},{"sentences":[{"text":"So that's that payment that will get out to you basically before we trigger anything else.","start":144.14,"end":148.62001,"sentiment":"neutral","sentiment_score":0.3326728865504265},{"text":"So if you sign today, I will process that payment, and you'll have it within a few 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that's coming out of my super.","start":1206.79,"end":1212.8099,"sentiment":"neutral","sentiment_score":-0.1548477283545903},{"text":"Sorry.","start":1214.525,"end":1214.845,"sentiment":"neutral","sentiment_score":-0.1421084105968475},{"text":"I can't remember.","start":1214.845,"end":1215.745,"sentiment":"neutral","sentiment_score":-0.09331048031648},{"text":"Approximately I don't want it to fit.","start":1217.485,"end":1221.665,"sentiment":"neutral","sentiment_score":-0.1578640639781952},{"text":"I just it's a bit bigger.","start":1221.8049,"end":1224.845,"sentiment":"neutral","sentiment_score":-0.13322809835275015}],"sentiment":"neutral","sentiment_score":-0.1420996244996786,"channel":1,"num_words":24,"start":1206.79,"end":1224.845},{"sentences":[{"text":"There we 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on.","start":2206.475,"end":2209.0352,"sentiment":"neutral","sentiment_score":-0.05619747733527964},{"text":"Normally,","start":2209.0352,"end":2209.355,"sentiment":"neutral","sentiment_score":-0.0027713566087186337}],"sentiment":"neutral","sentiment_score":0.045882024868790595,"channel":0,"num_words":21,"start":2204.06,"end":2209.355},{"sentences":[{"text":"Yeah.","start":2209.315,"end":2209.815,"sentiment":"neutral","sentiment_score":0.028695985674858093}],"sentiment":"neutral","sentiment_score":0.028695985674858093,"channel":1,"num_words":1,"start":2209.315,"end":2209.815},{"sentences":[{"text":"I would, but your income's in that weird 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like virtually straight 10% out of the one into the other, which I wasn't sure of.","start":2428.3,"end":2436.675,"sentiment":"neutral","sentiment_score":-0.2793712519547519},{"text":"Okay.","start":2439.775,"end":2440.095,"sentiment":"neutral","sentiment_score":-0.05157715082168579},{"text":"This alright.","start":2440.095,"end":2441.155,"sentiment":"neutral","sentiment_score":-0.011901658028364182},{"text":"Okay.","start":2459.535,"end":2460.035,"sentiment":"neutral","sentiment_score":0.01953062415122986},{"text":"There's on page 36.","start":2462.415,"end":2466.035,"sentiment":"neutral","sentiment_score":0.018627087585628033}],"sentiment":"neutral","sentiment_score":-0.18922611102461814,"channel":1,"num_words":25,"start":2428.3,"end":2466.035},{"sentences":[{"text":"It's showing Australian equity risk profile percentage is 30.","start":2467.775,"end":2475.17,"sentiment":"neutral","sentiment_score":-0.008505019255810313},{"text":"The proposed percentage is 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will sign as soon as I get that.","start":2649.69,"end":2651.93,"sentiment":"neutral","sentiment_score":-0.019943524152040485},{"text":"It just always goes to my junk.","start":2651.93,"end":2653.79,"sentiment":"neutral","sentiment_score":-0.2178986370563507},{"text":"Oh, is that you?","start":2653.85,"end":2654.81,"sentiment":"neutral","sentiment_score":0.006626360584050417},{"text":"Yeah.","start":2654.81,"end":2655.21,"sentiment":"neutral","sentiment_score":0.03615307062864304},{"text":"I'll just move that into my inbox.","start":2655.21,"end":2657.7852,"sentiment":"neutral","sentiment_score":0.05527006275951862}],"sentiment":"neutral","sentiment_score":-0.044829758017190864,"channel":1,"num_words":28,"start":2649.69,"end":2657.7852},{"sentences":[{"text":"I don't know why junk.","start":2657.7852,"end":2660.5051,"sentiment":"neutral","sentiment_score":-0.2805414140224457},{"text":"Never sent you junk.","start":2660.5051,"end":2663.0051,"sentiment":"neutral","sentiment_score":-0.3040180876851082},{"text":"There you go.","start":2663.305,"end":2664.105,"sentiment":"neutral","sentiment_score":-0.18934267262617746},{"text":"It's I was gonna alright.","start":2664.105,"end":2667.385,"sentiment":"neutral","sentiment_score":-0.08500297591090203},{"text":"So I will","start":2667.385,"end":2668.0251,"sentiment":"neutral","sentiment_score":-0.006035009399056435}],"sentiment":"neutral","sentiment_score":-0.18149636732414365,"channel":1,"num_words":20,"start":2657.7852,"end":2668.0251},{"sentences":[{"text":"Okay.","start":2667.7349,"end":2668.2349,"sentiment":"neutral","sentiment_score":0.011843472719192503}],"sentiment":"neutral","sentiment_score":0.011843472719192503,"channel":0,"num_words":1,"start":2667.7349,"end":2668.2349},{"sentences":[{"text":"print oh, that was for you in fifteen minutes.","start":2668.0251,"end":2672.75,"sentiment":"neutral","sentiment_score":0.018352664593193267}],"sentiment":"neutral","sentiment_score":0.018352664593193267,"channel":1,"num_words":9,"start":2668.0251,"end":2672.75},{"sentences":[{"text":"Yes.","start":2674.9102,"end":2675.31,"sentiment":"neutral","sentiment_score":0.023951658979058266},{"text":"I","start":2675.31,"end":2675.55,"sentiment":"neutral","sentiment_score":-0.0015030894428491592}],"sentiment":"neutral","sentiment_score":0.011224284768104553,"channel":0,"num_words":2,"start":2674.9102,"end":2675.55},{"sentences":[{"text":"If","start":2675.37,"end":2675.87,"sentiment":"neutral","sentiment_score":0.006617758423089981}],"sentiment":"neutral","sentiment_score":0.006617758423089981,"channel":1,"num_words":1,"start":2675.37,"end":2675.87},{"sentences":[{"text":"emailed you, and then I realized that an email and a text is two different things, so I text you as 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all.","start":2716.815,"end":2718.835,"sentiment":"neutral","sentiment_score":-0.027355405688285827},{"text":"I am so happy to have been able to solve it all and get all the questions answered.","start":2719.055,"end":2723.715,"sentiment":"positive","sentiment_score":0.5467346873548296},{"text":"It was my choice to allow a call today, so it's","start":2723.855,"end":2727.39,"sentiment":"neutral","sentiment_score":0.24349395795301956}],"sentiment":"positive","sentiment_score":0.36420237886555057,"channel":0,"num_words":34,"start":2716.815,"end":2727.39},{"sentences":[{"text":"Okay.","start":2727.375,"end":2727.875,"sentiment":"neutral","sentiment_score":0.11392269283533096}],"sentiment":"neutral","sentiment_score":0.11392269283533096,"channel":1,"num_words":1,"start":2727.375,"end":2727.875},{"sentences":[{"text":"fine.","start":2727.39,"end":2727.7898,"sentiment":"neutral","sentiment_score":0.09148578345775604},{"text":"Just know that I'm still in my pajama 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I","start":2735.5698,"end":2736.8499,"sentiment":"neutral","sentiment_score":0.06524986401200294}],"sentiment":"neutral","sentiment_score":0.21149905345269612,"channel":1,"num_words":14,"start":2732.45,"end":2736.8499},{"sentences":[{"text":"No.","start":2736.8298,"end":2737.23,"sentiment":"neutral","sentiment_score":-0.04339755326509476}],"sentiment":"neutral","sentiment_score":-0.04339755326509476,"channel":0,"num_words":1,"start":2736.8298,"end":2737.23},{"sentences":[{"text":"get those","start":2736.8499,"end":2737.5898,"sentiment":"neutral","sentiment_score":-0.018130937591195107}],"sentiment":"neutral","sentiment_score":-0.018130937591195107,"channel":1,"num_words":2,"start":2736.8499,"end":2737.5898},{"sentences":[{"text":"My pleasure.","start":2737.23,"end":2737.97,"sentiment":"neutral","sentiment_score":0.05907497555017471}],"sentiment":"neutral","sentiment_score":0.05907497555017471,"channel":0,"num_words":2,"start":2737.23,"end":2737.97},{"sentences":[{"text":"in, I will print and sign and then just send them back to you because I and whoever sent them to 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triggered the way it needs to.","start":2754.32,"end":2757.54,"sentiment":"neutral","sentiment_score":0.04966795750494514},{"text":"The one thing I haven't told you, which I do need to, is your bank account details.","start":2757.6,"end":2762.64,"sentiment":"neutral","sentiment_score":-0.010644761955036837},{"text":"Because they've never been applied to the account before, you will get a call from Hub twenty four within the next couple of days","start":2762.64,"end":2767.7,"sentiment":"neutral","sentiment_score":0.004804051170746486}],"sentiment":"neutral","sentiment_score":0.011448866907845844,"channel":0,"num_words":55,"start":2754.32,"end":2767.7},{"sentences":[{"text":"Okay.","start":2767.74,"end":2768.24,"sentiment":"neutral","sentiment_score":0.008362536318600178}],"sentiment":"neutral","sentiment_score":0.008362536318600178,"channel":1,"num_words":1,"start":2767.74,"end":2768.24},{"sentences":[{"text":"to verify 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the reaching out rather than waiting for 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income statement and setting up a retirement account, as well as the process of transferring funds from a tax-free account to a carry-on account. They emphasize the importance of the retirement plan and closing insurance policy. The speaker emphasizes the importance of the retirement plan and setting up a pension account, as well as the process of selling and buying stock and closing a property sale. They also discuss the process of transferring funds from a retirement account to a new accumulation account and the importance of filling out tax return forms and setting up a full pension account. The speaker emphasizes the importance of not overpaying for taxes and offers to assist with filing a claim or varies a contribution as a deduction or notice of intent for a super fund."},"intents":{"segments":[{"text":"My laptop has decided now is the time that it is going to update. But it's just it just said it's restarting. So No.","start_word":12,"end_word":35,"intents":[{"intent":"Update account","confidence_score":0.00030870156}]},{"text":"I can go through the questions you asked anyway while okay. you wait for that to update. And and I guess majority of the questions that you asked is is, I guess, really relevant to the advice that just I think if I explain it a little bit, it'll make a little bit more sense. Okay.","start_word":38,"end_word":93,"intents":[{"intent":"Discuss advice","confidence_score":0.15328993}]},{"text":"Now because pension accounts take time to set up, and we can't set them up until basically the after you retire. So today would be the earliest day that I could set this account up.","start_word":268,"end_word":302,"intents":[{"intent":"Set up account","confidence_score":0.11511507}]},{"text":"So that's that payment that will get out to you basically before we trigger anything else. So if you sign today, I will process that payment, and you'll have it within a few days. Yes.","start_word":366,"end_word":400,"intents":[{"intent":"Process payment","confidence_score":0.9067209}]},{"text":"The next thing I wanna do so one of the one of the things you raised with me was a concern because your daughters are the recipient of your funds, if anything were to happen to you, is I want to do what's called a cash out recontribution.","start_word":401,"end_word":448,"intents":[{"intent":"Retribute funds","confidence_score":0.06982845}]},{"text":"So what happens is the money will, like, leave your super fund. A investment account will be created and opened. It'll exist for all of twenty minutes. The money will sit in that account for all of twenty minutes, and Yeah. then the money goes back over to your super account. Okay.","start_word":570,"end_word":621,"intents":[{"intent":"Create investment account","confidence_score":0.022561045}]},{"text":"And what happens is that money converts from taxable into tax free. So it's gonna Yes. convert your account from I did the math on this. It's your account's currently sitting at it's, like, $80.80 no. It's, like, $70.30. Your account's sitting at, like, 70% taxable and about 30% tax free, Yes.","start_word":622,"end_word":673,"intents":[{"intent":"Convert account","confidence_score":0.64478785}]},{"text":"So you're sitting a lot more even in terms of your tax free component Okay.","start_word":688,"end_word":702,"intents":[{"intent":"Obtain income","confidence_score":0.0000875132},{"intent":"Describe situation","confidence_score":0.014309346},{"intent":"Provide information on remaining budget","confidence_score":0.000007974986}]},{"text":"So you're sitting a lot more even in terms of your tax free component Okay. and Yeah. sitting a lot better. What that does is that you utilizes the entirety of your cap of non concessional contributions to this financial year, Okay. which means that you cannot put any more money in nonconcessionally into your super And that fund.","start_word":688,"end_word":746,"intents":[{"intent":"Provide information","confidence_score":0.0070447903}]},{"text":"What that does is that you utilizes the entirety of your cap of non concessional contributions to this financial year, Okay.","start_word":708,"end_word":728,"intents":[{"intent":"Utilize caps","confidence_score":0.022998929}]},{"text":"That's I fine. can't contribute anything else, and that's fine for this year. Correct.","start_word":770,"end_word":783,"intents":[{"intent":"Confirm understanding","confidence_score":0.031858843},{"intent":"Express concern about unconfirmability to contribute","confidence_score":1.2587424e-7}]},{"text":"There's Because no then reason what would have anything other than work this year. yes.","start_word":784,"end_word":798,"intents":[{"intent":"Express dissatisfaction with previous plan","confidence_score":0.0000029761063}]},{"text":"And then what we're gonna do is then that's why as of the July 1 when the financial year rolled over, because I know that you're looking at June as a sale date, and I was like, Yeah.","start_word":801,"end_word":838,"intents":[{"intent":"Inquire about expiration date","confidence_score":0.0003725801},{"intent":"Inform about expiration date","confidence_score":0.0007170234}]},{"text":"I'm anything from my dad, I cannot do anything with it. If dad passes away soon, we're a little bit locked out. We'd still have a little bit of wiggle room.","start_word":948,"end_word":978,"intents":[{"intent":"Suggest removal from plan","confidence_score":0.000005323775}]},{"text":"So once we do that cash out retribution, that makes things a little bit better for the kids if anything happens to you. Sorry.","start_word":1135,"end_word":1158,"intents":[{"intent":"Set up and retribute cash","confidence_score":0.00012339796}]},{"text":"Then we set up the pension account.","start_word":1160,"end_word":1166,"intents":[{"intent":"Set up pension account","confidence_score":0.8633977}]},{"text":"Okay.","start_word":1245,"end_word":1245,"intents":[{"intent":"Set up monthly payments","confidence_score":0.9408421},{"intent":"Make payments","confidence_score":0.001131488}]},{"text":"You've already canceled your TPD insurance, 100 Yeah. percent. Definitely do it.","start_word":1267,"end_word":1278,"intents":[{"intent":"Cancel insurance policy","confidence_score":0.062072694}]},{"text":"We can also send them a letter to cancel it. I do But it online.","start_word":1404,"end_word":1418,"intents":[{"intent":"Cancel insurance","confidence_score":0.6638106}]},{"text":"But, basically, the day after the settlement happens, I will trigger a rollover and request that the Australian super account is closed. Okay.","start_word":1493,"end_word":1515,"intents":[{"intent":"Trigger rollover","confidence_score":0.03056769}]},{"text":"So what I will do is I will set up a brand new accumulation account under Hub twenty four okay. to exist for just the pure purpose of being able to deposit all the money in. Okay.","start_word":1601,"end_word":1637,"intents":[{"intent":"Set up accumulation account","confidence_score":0.7631153}]},{"text":"That account will exist for the time period of receiving the funds from the house settlement. So whether Yeah. that be 300,000 or $2.70, whichever it ends up, and receiving the money from this the Australian Superfund.","start_word":1638,"end_word":1674,"intents":[{"intent":"Receive funds","confidence_score":0.41119453}]},{"text":"Once both of those amounts settle in that account, I'll do what's called a pension refresh. So it's where you take the money that's sitting in the pension account. It goes bloop over to the accumulation account, picks up all the money that's in the accumulation account, and then Yep. it goes back into a new newer pension account. Okay.","start_word":1676,"end_word":1735,"intents":[{"intent":"Set up pension refresh","confidence_score":0.24952236}]},{"text":"And then that gets set up with your income stream as well. Okay.","start_word":1736,"end_word":1748,"intents":[{"intent":"Set up income stream","confidence_score":0.34243557}]},{"text":"that you're opening on the advice, it says the new pinch the new accumulation fund is gonna open July 1, but that's not necessarily July 1. That's as soon as money comes through. Yeah.","start_word":2467,"end_word":2500,"intents":[{"intent":"Confirm closing date","confidence_score":0.0097843995},{"intent":"Clarify account terms","confidence_score":0.0025760294}]},{"text":"open the I will open the account as soon as the house sells so I can roll over AustralianSuper.","start_word":2510,"end_word":2528,"intents":[{"intent":"Open account","confidence_score":0.048978083}]},{"text":"I understand that now. Okay.","start_word":2602,"end_word":2606,"intents":[{"intent":"Confirm understanding","confidence_score":0.025159394}]},{"text":"So you said that the van cost was gonna go up by about $30 Yeah.","start_word":2611,"end_word":2625,"intents":[{"intent":"Communicate about price","confidence_score":0.010018296},{"intent":"Clarify total cost","confidence_score":0.0008735029}]},{"text":"And at the time that the house sells, I'll do an update to the document Okay.","start_word":2670,"end_word":2685,"intents":[{"intent":"Update document","confidence_score":0.8844277}]},{"text":"So the money will be held in cash. What does that mean?","start_word":3231,"end_word":3242,"intents":[{"intent":"Address cash cash concerns","confidence_score":0.000044912176}]},{"text":"So I I'll send I'll send you the the forms out. That's nice and easy. I'll make sure that they're all sent out to you and the Okay.","start_word":3769,"end_word":3796,"intents":[{"intent":"Confirm receipt of forms","confidence_score":0.014275475}]},{"text":"So opening another accumulation account, is that why the fees I'm paying the fees twice? So the $4.","start_word":4024,"end_word":4041,"intents":[{"intent":"Clarify fee arrangement","confidence_score":0.0010522844}]},{"text":"But it's it's still it's not that it's saying it twice. It's the 1.65 percent, and it's capped at 4 is it capped at $4.09 $5.00?","start_word":4261,"end_word":4286,"intents":[{"intent":"Clarify fee cap","confidence_score":0.43736205},{"intent":"Clarify fee cap","confidence_score":0.5845564}]},{"text":"So why am I being charged that again? Because I'm paying an ongoing advice fee and that's what you're doing now is you're giving me advice. So I'm confused as to why I'm being charged again as much as nearly 10 k.","start_word":4341,"end_word":4382,"intents":[{"intent":"Clarify charge amount","confidence_score":0.0064440374}]},{"text":"But the good thing is is you have full access to myself or Tommy as well to be able to assist you with any questions and anything.","start_word":4543,"end_word":4569,"intents":[{"intent":"Assist with questions and documents","confidence_score":0.007947639}]},{"text":"I can help you fill out all the forms for it and everything like that.","start_word":4632,"end_word":4646,"intents":[{"intent":"Help with forms and application","confidence_score":0.0023786067}]},{"text":"it's definitely still an avenue you could explore.","start_word":4835,"end_word":4842,"intents":[{"intent":"Explore opportunities for work","confidence_score":0.011934239}]},{"text":"Oh, so the forms, do I just print out that POA, all of it, and then not POA. What's it?","start_word":4870,"end_word":4889,"intents":[{"intent":"Print and print out forms","confidence_score":0.042277}]},{"text":"You don't have to you don't have to print it. You can print it if you want to.","start_word":4902,"end_word":4919,"intents":[{"intent":"Printing","confidence_score":0.0029614666},{"intent":"Printing","confidence_score":0.28368464},{"intent":"Printing","confidence_score":0.2526212}]},{"text":"You don't have to you don't have to print it. You can print it if you want to. We're actually able to sign it on the computer With if you're my comfortable mouse. to do so.","start_word":4902,"end_word":4937,"intents":[{"intent":"Using printer","confidence_score":0.0003327009}]},{"text":"We're actually able to sign it on the computer With if you're my comfortable mouse. to do so. I don't yeah. It's just finding it with the mouse. It's so It's weird. You can you can definitely print it. If you'd like, I can email it to you so it's a bit easier for you to print. I can email it all to you, and you can sign it.","start_word":4920,"end_word":4988,"intents":[{"intent":"Signing","confidence_score":0.0079048965}]},{"text":"So if you can send that to me, it's just the ones Yep. I have to sign, then Yeah. I can do that and send that to you. Definitely.","start_word":5041,"end_word":5069,"intents":[{"intent":"Sending","confidence_score":0.08148682},{"intent":"Sending","confidence_score":0.120024495}]},{"text":"While we're on the phone, Yes. your bank account details, are you a 100% I've double checked it. It is they are correct. okay.","start_word":5076,"end_word":5099,"intents":[{"intent":"Verifying","confidence_score":0.009428434}]},{"text":"if you update should I have it updated with the correct details or it doesn't matter? No.","start_word":5230,"end_word":5246,"intents":[{"intent":"Changing details","confidence_score":0.011421629}]},{"text":"I just I recommend, like, go to when you sit down with your accountant, just let them know, hey. I've put a $120,000 into my super fund this year. Yeah.","start_word":5634,"end_word":5663,"intents":[{"intent":"Schedule meeting","confidence_score":0.0077290316}]},{"text":"Should I claim any of it and do a word of intent and and convert it from nonconcessional into concessional and save on tax?","start_word":5664,"end_word":5687,"intents":[{"intent":"Convert tax amount","confidence_score":0.00023030656}]},{"text":"Is there anything we can do to save more tax personally? Yeah. Okay.","start_word":5688,"end_word":5700,"intents":[{"intent":"Save tax","confidence_score":0.42040148}]},{"text":"And what happens is you write a specific amount down and you convert that from non concessional into concessional, which means that the super fund pays 15% tax, and then you get to claim that amount back on your tax Okay.","start_word":6004,"end_word":6044,"intents":[{"intent":"Convert contribution","confidence_score":0.024942826},{"intent":"Calculate deduction amount","confidence_score":0.005937689}]},{"text":"So risk profile wise, we we set parameters for what like, in each risk profile, what we aim to sort of hit. Yeah.","start_word":6312,"end_word":6334,"intents":[{"intent":"Assist with risk profile and target targets","confidence_score":0.000010425985}]},{"text":"I If emailed you, and then I realized that an email and a text is two different things, so I text you as well. sorry.","start_word":6670,"end_word":6694,"intents":[{"intent":"Request email","confidence_score":0.022637144},{"intent":"Obtain email","confidence_score":0.0027372974}]},{"text":"I will try and download it and print those pages.","start_word":6753,"end_word":6762,"intents":[{"intent":"Print pages","confidence_score":0.5585541},{"intent":"Print pages","confidence_score":0.28408977}]},{"text":"It was my choice to allow a call today, so it's Okay.","start_word":6820,"end_word":6831,"intents":[{"intent":"Arrange call","confidence_score":0.00063565414}]},{"text":"The one thing I haven't told you, which I do need to, is your bank account details. Because they've never been applied to the account before, you will get a call from Hub twenty four within the next couple of days Okay.","start_word":6926,"end_word":6967,"intents":[{"intent":"Assist with account verification","confidence_score":0.000014203976}]},{"text":"The one thing I haven't told you, which I do need to, is your bank account details. Because they've never been applied to the account before, you will get a call from Hub twenty four within the next couple of days Okay. to verify them.","start_word":6926,"end_word":6970,"intents":[{"intent":"Verify bank account","confidence_score":0.0015494531}]}]},"sentiments":{"segments":[{"text":"Hi. Carol speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.1232662945985794},{"text":"Good morning, Carol. How are you Morning.","start_word":3,"end_word":9,"sentiment":"positive","sentiment_score":0.5347970128059387},{"text":"going? Sorry. My laptop has decided now is the time that it is going to update. But it's just it just said it's restarting. So No. That's okay. I can go through the questions you asked anyway while okay. you wait for that to update. And and I guess majority of the questions that you asked is is, I guess, really relevant to the advice that just I think if I explain it a little bit, it'll make a little bit more sense. Okay. So in the advice document, you oh, I can hardly hear you just saying. oh, sorry. Is that You're better on better? I I was I'm I'm still half asleep too. can I can imagine?","start_word":10,"end_word":128,"sentiment":"neutral","sentiment_score":0.0371159054338932},{"text":"It's an early start for you. Thank you.","start_word":129,"end_word":136,"sentiment":"positive","sentiment_score":0.441301167011261},{"text":"No. No. That's okay. So the the advice has two different stages. So Yes. there's stage one, which is before the house sells, Yes. and then there's stage two after the house sells. So Okay. stage one is obviously we hit retirement. And what I wanna do is I want to basically get you a month's worth of your income need by the April 1. Yes.","start_word":137,"end_word":202,"sentiment":"neutral","sentiment_score":0.07399753481149673},{"text":"So that way, you are comfortable. So that way, you're not gonna go without an in an income.","start_word":203,"end_word":220,"sentiment":"positive","sentiment_score":0.3951105773448944},{"text":"So what I did was I took the $1,500 a week that you wanted Yeah. and then times it by 4.33. So that way, it's an average of what we would get over a a month, an average month. And we'll withdraw basically $6,495 per month. Gotcha. Now because pension accounts take time to set up, and we can't set them up until basically the after you retire. So today would be the earliest day that I could set this account up.","start_word":221,"end_word":302,"sentiment":"neutral","sentiment_score":0.1917225867509842},{"text":"I know, and it's so exciting.","start_word":303,"end_word":308,"sentiment":"positive","sentiment_score":0.6028881072998047},{"text":"So the withdrawal, I wanna do from your accumulation fund, which we Yes.","start_word":309,"end_word":321,"sentiment":"neutral","sentiment_score":0.3222874402999878},{"text":"can do. It there's nothing there's nothing stopping us from doing it.","start_word":322,"end_word":333,"sentiment":"positive","sentiment_score":0.36037710309028625},{"text":"But it's just a one one off ad hoc withdrawal to basically service you income wise for the month while all of the other little bits and pieces get set up. Okay. So that's that payment that will get out to you basically before we trigger anything else.","start_word":334,"end_word":381,"sentiment":"neutral","sentiment_score":0.21250998973846436},{"text":"So if you sign today, I will process that payment, and you'll have it within a few days.","start_word":382,"end_word":399,"sentiment":"positive","sentiment_score":0.4226476848125458},{"text":"Yes. The next thing I wanna do so one of the one of the things you raised with me was a concern because your daughters are the recipient of your funds, if anything were to happen to you, is I want to do what's called a cash out recontribution. Yes. Yes. Now with That's most one super funds yes. Sorry? that's the one twenty you're talking about. Correct. Yeah. Yes. So with most super funds like Australian Super, if you wanted to do this with Australian Super, you would have to actually cash it out into your bank account and then pay it back in, which means you're selling down assets, you're out of the market, you know, you have your buy sell costs, all the rest of it. Yeah. With Hub 24, because it's a retail and intuitive platform, we can actually just it it's it's like it's like it's just like a a little bit of a popover. Around So in the it stays within the fund. Correct. So what happens is the money will, like, leave your super fund. A investment account will be created and opened. It'll exist for all of twenty minutes. The money will sit in that account for all of twenty minutes, and Yeah. then the money goes back over to your super account. Okay. And what happens is that money converts from taxable into tax free. So it's gonna Yes. convert your account from I did the math on this. It's your account's currently sitting at it's, like, $80.80 no. It's, like, $70.30. Your account's sitting at, like, 70% taxable and about 30% tax free, Yes.","start_word":400,"end_word":673,"sentiment":"neutral","sentiment_score":0.07290161401033401},{"text":"and it moves you into having a little bit over 50% tax free.","start_word":674,"end_word":686,"sentiment":"positive","sentiment_score":0.35447320342063904},{"text":"So you're sitting a lot more even in terms of your tax free component Okay. and Yeah. sitting a lot better. What that does is that you utilizes the entirety of your cap of non concessional contributions to this financial year, Okay. which means that you cannot put any more money in nonconcessionally into your super And that fund. okay. Non concessionary. That means just so my work stuff doesn't count? Your work stuff doesn't count, so your work can still contribute. Yeah. That's I fine. can't contribute anything else, and that's fine for this year. Correct. There's Because no then reason what would have anything other than work this year. yes. Yeah. Correct. And then what we're gonna do is then that's why as of the July 1 when the financial year rolled over, because I know that you're looking at June as a sale date, and I was like, Yeah. well, worst case scenario, it's gonna sit in your bank for a couple of weeks, Yeah. that the money can then be paid in. And what we can do is we can put up to 360,000 because we can do what's called a carry forward where Yeah. we use that financial year plus the next two financial years to put money in. Oh, the Obviously not okay. The next two, not a carry back. They're yes. not on grandfather So it's going forward with the nonconcessional. it. Okay. So you actually take from the next two years, Okay. which is So why for the we need if to wait. I'm anything from my dad, I cannot do anything with it. If dad passes away soon, we're a little bit locked out. We'd still have a little bit of wiggle room. So because you still have like, if we only put two seventy in, we're allowed up to three sixty. So we could still put a little bit in Yeah. because we still have a little bit of that cap left, but it would depend on what dad's estate looks like. It would Yeah. depend on That's the the maximum it would be would be around $1. 80 if it was soon because that's the amount of money I have here for him in case yep. he need Okay. Alright. So it's yep. not It's not it's not a worry. So okay. I'm and just we'd gonna still have some room. We could pop some in. It would just be maybe we set up yeah. a little bit of an investment account or Yeah. we do something else on the side. Okay. So that's why we're we're sort of bridging that gap. Anyway, back to stage one. So once we do that cash out retribution, that makes things a little bit better for the kids if anything happens to you. Sorry. Yeah. Then we set up the pension account. So all of that has to happen before we set up the pension account. Then once the pension account is set up, that gives you your your annual ongoing or your monthly, sorry, ongoing income. So it'll take a little bit for every all the other stages to happen, which is why I'm doing that immediate cash out because I don't want you to be with that income first, and then we set up the ongoing monthly payments. Okay. But owing monthly oh, because we're doing that in this year. We're still talking stage one. Okay. Yeah. Stage one. Okay. You've already canceled your TPD insurance, 100 Yeah. percent. Definitely do it. That's so that's good. That that hits us to the end of the financial Yeah. year. So Yeah. we would just keep paying things. You and I would keep in contact. And once you turn around and say the house is sold, it settled on this date, I would go fantastic. It would give me a time frame. So if if the house, for argument, say, didn't end up settling until July 20, then I we have a we have a time frame. Okay. Once the house settles, what I will do is I will trigger a rollover of AustralianSuper and close that account. Closing that account will also see the cancellation of that insurance policy. Now you're more than welcome to call them. We can also send them a letter to cancel it. I do But it online. I just go on my app and just say, and cancel you know, it. Yeah. the insurance and they send me a message saying, are you sure you wanna do this? Because of the whole thing that I'm gonna have another health check if I cancel it. So Yep. yeah.","start_word":687,"end_word":1466,"sentiment":"neutral","sentiment_score":0.013493569514181358},{"text":"Yep. Perfect. So if you if you wanna still do that the day the house settles, then you're more than welcome to do that.","start_word":1467,"end_word":1490,"sentiment":"positive","sentiment_score":0.4106026887893677},{"text":"Yeah. But, basically, the day after the settlement happens, I will trigger a rollover and request that the Australian super account is closed. Okay. And that money will go into a brand new super account that's set up under hub 24. Okay. Well, So that be will be in July then, won't it? Because it'll just be the day that the house settles, basically. So if the house does settle, you know, May or if it settles, you know, June, I'll trigger it the day the house sells. okay. But you won't have anywhere to put it because aren't we only doing We're only holding a pension account. Yep. So what I will do is I will set up a brand new accumulation account under Hub twenty four okay. to exist for just the pure purpose of being able to deposit all the money in. Okay. That account will exist for the time period of receiving the funds from the house settlement. So whether Yeah. that be 300,000 or $2.70, whichever it ends up, and receiving the money from this the Australian Superfund. Yeah. Once both of those amounts settle in that account, I'll do what's called a pension refresh. So it's where you take the money that's sitting in the pension account. It goes bloop over to the accumulation account, picks up all the money that's in the accumulation account, and then Yep. it goes back into a new newer pension account. Okay. And then that gets set up with your income stream as well. Okay. So the whole so while it's in the pension account, I guess, is is it earning investment income, or is it Yes. in a cash account? What? No. So when it's in so the current assets that you're invested in, Yeah. I had a look at them, and you you've only just had an investment change that you and Tommy did late last year. I had a look at the assets that you're holding, and I was comfortable and happy with where those assets sat. I didn't see a need to make any changes to those holdings. You've changed one from the s and p 200 to the s and p oh, no. The s and p five hundred's always been there, actually. It's the Yes. v g the other one. Yeah. Okay. It's Yeah. just not called 200. That's why. I was like, the 500? Didn't know I had that. Yeah. Just called something else. Yeah. Yeah. So that's that's all like, I'm comfortable with where they sit. So at no point is the money that you hold now, like, the the the the the few $100,000 that that's in the account now, I'm not selling any of that money except to pay you into your bank account. The Yes. money that sits there with all of the movements between the account, it happens in species, which means that it doesn't sell down. It's just literally a big claw Okay. comes down, grabs it as a bundle, and just moves it straight over into another bucket. It doesn't sell anything. It doesn't have to move as a cash. It Correct.","start_word":1491,"end_word":2018,"sentiment":"neutral","sentiment_score":0.044380439581194274},{"text":"it stays invested, which is way more beneficial.","start_word":2019,"end_word":2026,"sentiment":"positive","sentiment_score":0.3898664116859436},{"text":"Yes.","start_word":2027,"end_word":2027,"sentiment":"neutral","sentiment_score":-0.003924073651432991},{"text":"Now Because I at the cost I was thinking the cost of selling and buying is that would be insane.","start_word":2028,"end_word":2047,"sentiment":"negative","sentiment_score":-0.49565234780311584},{"text":"yes. Yeah. CGT and all the rest of it. No.","start_word":2048,"end_word":2057,"sentiment":"neutral","sentiment_score":-0.1497814953327179},{"text":"None of that's happening.","start_word":2058,"end_word":2061,"sentiment":"negative","sentiment_score":-0.38115832209587097},{"text":"So the one thing that does happen, obviously, when you pay money into the account, so when Yes.","start_word":2062,"end_word":2079,"sentiment":"neutral","sentiment_score":-0.22242295742034912},{"text":"Australian AustralianSuper is gonna have to sell down. It's gonna have to sell down to cash to move over to a new trustee.","start_word":2080,"end_word":2102,"sentiment":"negative","sentiment_score":-0.41216203570365906},{"text":"That does have to happen. Once that happens Yes. and the money lands, Hub twenty four is intuitive. So what happens is within Hub twenty four, rather than going to market, Hub twenty four will actually migrate if so let's just say, like, there are trillions of dollars under Hub twenty four. Okay? Yes. And what will happen is on any given night when all of the trades are placed, Hub twenty four system will actually match up people that are trying to buy and sell. Okay. So you have cash. You're looking to buy. So it has its own mini mini market running. Yeah. And the actual market within Hub twenty four will go, oh, well, this person over here is selling, you know, IJP shares, and this person has cash. We're just gonna swap them. Okay. And this person over here is doing this, and we're gonna swap them. And so it Okay. intuitively swaps assets that Hub twenty four already holds that are moving within its own system rather than go direct to market and incur brokerage costs. Yes. Okay. So somebody's So gonna have more somebody else is gonna have more money to invest because they're doing well, and I'm gonna have to sell because I I need the pension money. So it just does it inside. So that's why it may incur costs. Yeah. Then you may have to go to market, but I've been doing this for years, and I've been, like, I've I've been in the industry for years, ten years, actually. And I've been using Hub twenty four for Yeah. six of those. And, really, honestly, like, out of the six years, I've looked at people's accounts, and I've and it's not thousands of dollars worth of brokerage over, you know, five or six years worth of the account being open. It's, like, 2 to $300 over Yeah. a five year span. So it just Okay. goes to show that, like, they're not going to market much. Yeah. It's Okay. minimal market cost. Okay. Okay. So alright. So that answers some of it. Okay. Where are we? Okay. So you Okay. said So you're mhmm. that you're opening on the advice, it says the new pinch the new accumulation fund is gonna open July 1, but that's not necessarily July 1. That's as soon as money comes through. Yeah. So I I basically I I We're will done. open the I will open the account as soon as the house sells so I can roll over AustralianSuper. Yeah. Okay. But the caveat is is that you will not deposit money into that account until after the July 1. Okay. Me personally, the what the sale of the property. Yeah. Okay. Correct. The rollover can go in because that's just a rollover or not. Yes. Yeah. The rollover can go in because that's Yes. a rollover that doesn't that doesn't contravene the non concessional rules. Okay. That's Alright. fine. Yeah. Okay. I understand that now. Okay. So where am I? So you said that the van cost was gonna go up by about $30 Yeah. and that you were therefore, under the, like, under the assumption that you may only be able to put about $2.70 in. Yeah. I'm comfortable leaving the figures as they are, and you and I just communicate. Yeah. Okay. And Yeah. we just communicate. And at the time that the house sells, I'll do an update to the document Okay. for stage two to show, you know, well, now based on the actual sale Yeah. price, once we've paid the real estate and we've paid off the mortgage and we've which also I can't believe I got the mortgage.","start_word":2103,"end_word":2723,"sentiment":"neutral","sentiment_score":0.036000912355172075},{"text":"So very wrong.","start_word":2724,"end_word":2726,"sentiment":"negative","sentiment_score":-0.43340620398521423},{"text":"Right numbers.","start_word":2727,"end_word":2728,"sentiment":"neutral","sentiment_score":-0.2617052495479584},{"text":"Wrong It's order.","start_word":2729,"end_word":2731,"sentiment":"negative","sentiment_score":-0.35693374276161194},{"text":"so close. It's just the wrong order. But I thought maybe and then I looked at, you know, what's the balance was, and I thought, no. It's been calculated on the $2.00 9, not the $2.90. I just wasn't sure. Yeah. No. That's so No. fine. No. It That's was just funny.","start_word":2732,"end_word":2783,"sentiment":"neutral","sentiment_score":-0.19952964782714844},{"text":"good. All good.","start_word":2784,"end_word":2786,"sentiment":"positive","sentiment_score":0.4393729269504547},{"text":"So yeah. So if because if the house sells for a little bit more, then the figures are gonna be off anyway. Yeah. Like, Yeah. the van is obviously what the van's gonna cost. You have that confirmed. So it's just the house could sell for more.","start_word":2787,"end_word":2833,"sentiment":"neutral","sentiment_score":-0.051084458193880446},{"text":"You could get a really good offer in.","start_word":2834,"end_word":2841,"sentiment":"positive","sentiment_score":0.5269074440002441},{"text":"Yes. Yeah. Okay. It's sold down of that. So you can't prorate the selling of the shares or whatever my investment Yeah. to specific ones. It's gotta kind of be pro rata to So get the $4.09 5. no. We we can. Oh, the sick oh, the oh, yeah. The $6.04 $9.05. So we can sell, like, according to losses, Yeah. and then, like, we can go, like, loss one month and a gain one month, or we can go CGT conscious to try and get CGT zero. Well, I mean, you're in a pension account, so not really relevant.","start_word":2842,"end_word":2941,"sentiment":"neutral","sentiment_score":-0.03999629244208336},{"text":"But the biggest part is is that it'll end up putting you into an unbalanced position over Understand.","start_word":2942,"end_word":2959,"sentiment":"negative","sentiment_score":-0.3774569630622864},{"text":"the long term. What percentage is. Yeah. Yeah. Because and then you'll you'll be a little bit skew with Yes. what's the word? I haven't used it long time. You'll you'll end up being My mother would be proud. Yeah. So you'll end up being a little bit off off kilter with respect to the balance of of all of your assets, and your returns aren't gonna be the same. Yeah. And it'll and it'll rebalance itself later anyway. Correct. Yeah. Yeah. So If it it gets it yeah. too far out too far out, it'll it'll get it'll get rebalanced. Yeah. Okay. And you are confident in those shares that I and the investments that they have there? Because some Very, of them are very much. awful. They're just doing really cool. I know the economic climate, but they were doing they weren't doing great before the war, if we're gonna call it the war. So Yeah. No.","start_word":2960,"end_word":3118,"sentiment":"neutral","sentiment_score":-0.07112427800893784},{"text":"I I am very, very, very much confident in them. The, like, gold prices have have shifted as well. They were doing fantastically, and and then, you know, so so silver took a massive dive. I am very much confident in terms of long term Yeah.","start_word":3119,"end_word":3164,"sentiment":"positive","sentiment_score":0.573481023311615},{"text":"outcomes, which is why I'm comfortable to hold. But at the same time, as we shift through, if there is anything that we wanna do little tweaks to, I will. Yeah. And I'll Yeah. just I'll call you up and say, hey. I don't like this anymore. We're just gonna we're just gonna tweak. We're gonna we're just gonna do a little shift. Okay. Alright. So the money will be held in cash. What does that mean? Where and what cash? So where it says that TPD is sold down. I think waiting for funds to be transferred. Any I can't remember. I said it's somewhere in that. Where am I? Is this where it is? That's where it is. Why does that look so small this time? All of that looks fine. It's it was in one of the Like, risk strategies? the Yep. disadvantages that's coming out of my super. Sorry. I can't remember. Approximately I don't want it to fit. I just it's a bit bigger. There we go. Is it, like, make a non concessional contribution? You'll have 30,000 less in your cash flow. The cash account will not generate a high return compared to your other investments. Yes. So how much will be in the cash account? Oh, Well, the 300,000 will be in the cash account for all of so a couple that one of days does be until that will it be just invest. the days. Okay. So Yes. it's just when the disadvantage just makes me think, how long is that gonna be? But it's just the okay. So that Yeah. So once so, basically, like like I said, so the money has the the 300,000 or the the the proceeds from the house sale have to be paid into the accumulation account that I set up. Yes. That accumulation Yeah. account will be open for as long as it takes for the cash to settle, which realistically should be forty eight hours, nothing less. Yeah. So once Yeah. it leaves your account, it'll hit Hub twenty four pretty quickly within twenty four to forty eight. It Yeah. takes Hub twenty four less than twenty four hours to allocate it to your account Yeah. because what if they have to wait for the funds to clear in their account first. Yeah. And then once it hits your account and it's available, I can then do that refresh. So it's Okay. only gonna be in cash in that account. It'll earn an interest rate the same as what your bank account's basically earning. So it's not gonna be much to muchness difference. It just is gonna be in the account. No. Yeah. I And then once I do that, the bloop bloop from the pension, pull everything because the pension account has to close. So the pension account Yeah. will close. It'll go over to the accumulation account, pick everything up, brand new pension account, brand new setup with all of the new contribute pension withdrawal amounts The whole and everything like that. yeah. Yep. Okay. Now because we're gonna have so many accounts open for such a short period of time, what I wanna do, and if you're comfortable with it, is hold off on submitting any beneficiary nomination forms until the end. Or the other option is is that we can submit one for every single new account that we open. I'm comfortable with whatever you're comfortable with, but you're Oh, so to do the beneficiary forms all over again. yes. Because it's a it's attached to your account. New account, new beneficiary form.","start_word":3165,"end_word":3767,"sentiment":"neutral","sentiment_score":0.03340984782695177},{"text":"So I I'll send I'll send you the the forms out. That's nice and easy.","start_word":3768,"end_word":3782,"sentiment":"positive","sentiment_score":0.4500715434551239},{"text":"I'll make sure that they're all sent out to you and the Okay. girl's Oh, because those are hard details. copies, aren't they? They are. You need the hard copies signed. Yes. I mean, I Okay. can email it to you. You can print it. You can get it signed.","start_word":3783,"end_word":3832,"sentiment":"neutral","sentiment_score":0.1509583741426468},{"text":"So we can do it pretty quickly.","start_word":3833,"end_word":3839,"sentiment":"positive","sentiment_score":0.3404339551925659},{"text":"Yeah. But, yeah, once it's once it's like like, once the final pension account's set up, that's that's the one we're gonna roll with for long term. But, obviously, you're gonna have two other accounts set up in a small little interim period. Yeah. Hub twenty four as a base have a a state allocation. So that means that if anything were to happen, they would direct the funds to your estate. So if you don't have a beneficiary on either of those accounts and something happened to you, it's an estate Yeah. nomination. Okay. Yeah.","start_word":3840,"end_word":3935,"sentiment":"neutral","sentiment_score":0.05738011530290047},{"text":"I just would prefer to avoid all that.","start_word":3936,"end_word":3943,"sentiment":"negative","sentiment_score":-0.4617547392845154},{"text":"Yeah. So we can we can we I can I can I can email you the form Yeah. so that way you have it? I can fill out all the details except for the account number, and I just email you saying, hey. Account number, this has been opened. Do you wanna fill out the form? You fill out the form, Okay. and we then we submit it to make it pretty easy. Okay. Okay. That makes sense. Alright. So opening another accumulation account, is that why the fees I'm paying the fees twice? So the $4.09 50, you paid that once to set everything up. Oh, what is? But I've paid that's what I've already paid originally. Yes. And That was I pay yeah. annual and I pay an annual advice Advise fee. fee. Yep. So the annual advice fee obviously keeps going. Yeah. With the pension, it's so $1,500 is what we charge to set up a full pension account because of the complexities of the the setup, the migration, the, you know, the timing of everything, making sure that everything is happening in in time and and in line with what you need, Yeah.","start_word":3944,"end_word":4140,"sentiment":"neutral","sentiment_score":0.0524633452296257},{"text":"it's it's very administratively heavy.","start_word":4141,"end_word":4145,"sentiment":"negative","sentiment_score":-0.3879194259643554},{"text":"So we need to obviously make sure that we can keep our lights on and keep going with everything that we're Okay. doing. Yeah. So we do charge that fee. If you're comfortable, you can pay for it out of pocket rather than the super fund. I'd pay for it out of the super fund because it's Yep. just easier. Yep. Okay. Then the the adviser fee again, it looks like it's twice. It looks like I'm paying it twice, the $9.09. No. No.","start_word":4146,"end_word":4229,"sentiment":"neutral","sentiment_score":0.014477254024573736},{"text":"You're not you're not paying it twice.","start_word":4230,"end_word":4236,"sentiment":"negative","sentiment_score":-0.3791775703430176},{"text":"Not at all. Not at all. No. It's I I know that it's reiterated twice in the document, and it's re it's No. But it's it's still it's not that it's saying it twice. It's the 1.65 percent, and it's capped at 4 is it capped at $4.09 $5.00? Mhmm. No. No. It's capped at $9.09. But what the cap used to be less than that. Your $4.09 $5.00, that's the that's the on that that's our initial fee cap. Okay. Yeah. That's the initial fee cap. But I Yes. paid the fee cap when I joined with you Oakview. guys. Correct. Yes. So why am I being charged that again? Because I'm paying an ongoing advice fee and that's what you're doing now is you're giving me advice. So I'm confused as to why I'm being charged again as much as nearly 10 k. The 10 k, that's our ongoing advice fee. The 1.65%. Yeah. Because you you currently pay 1.65% in an ongoing advice fee. But that is capped at a certain amount, isn't it? 9,900. But that's still isn't that nine times is and what is that percentage? Is that still 1.65 or that's just the cap? It it ends up being a like, because you the like, it would end up being less than 1.65% Okay. Because it's capped. because I it's thought capped. Yep. I thought the cap was around 6,000. I don't know why. The cap is 600,000 in terms of balance. Okay. I still thought that these wouldn't go more than 6,000.","start_word":4237,"end_word":4495,"sentiment":"neutral","sentiment_score":-0.12022022902965546},{"text":"Because that it just feels so much. It sounds like it's such a lot of money Yep.","start_word":4496,"end_word":4512,"sentiment":"negative","sentiment_score":-0.37831878662109375},{"text":"Regardless of how much money I kind of have in there, you are still doing the same kind of advice. Okay. Yeah. I guess it is what it is.","start_word":4513,"end_word":4541,"sentiment":"neutral","sentiment_score":0.02608581632375717},{"text":"But the good thing is is you have full access to myself or Tommy as well to be able to assist you with any questions and anything. And I'm gonna be very, very much on top of making sure that everything goes very smoothly throughout the whole implementation of this to make sure that you get the most out of everything. And then I'm here to hold your hand when we hit 67, and we can jump straight into Social Security as well and and getting Social Security benefits.","start_word":4542,"end_word":4630,"sentiment":"positive","sentiment_score":0.5960114002227783},{"text":"I can help you fill out all the forms for it and everything like that. Yeah. I get somebody mentioned to me that, you know, my diabetes being insulin dependent and all of that. There's nothing we can use there for any social benefits and stuff. So I had I I did have a look at Social Security. You could look at going on JobSeeker. You'd need to wait a couple of months to apply because Yeah. you voluntarily resigned. So you could choose to, like, leave work and and sorry. You could choose to, Yeah. oh, apply. Yeah. Medically, you wouldn't get an exemption because you're you're a healthy woman. So it does mean that they're gonna have a work requirement of you, Yeah. which means that you're gonna have to apply for jobs. You're gonna have to meet with, like I call them work counselors. I'm sure they have another name for them, but Yeah. people that try and set people up with jobs. And you, like, you may have to volunteer stuff like that. So it's going to really impact on your your life Yeah. and travel plans. So it becomes a little bit painful in that area, but Yeah. it's definitely still an avenue you could explore. But it's not one that I see as being an easy avenue for No.","start_word":4631,"end_word":4855,"sentiment":"neutral","sentiment_score":-0.013896998018026352},{"text":"you and for your retirement. I won't be doing that.","start_word":4856,"end_word":4865,"sentiment":"negative","sentiment_score":-0.39868396520614624},{"text":"No. No. Alright. Oh, so the forms, do I just print out that POA, all of it, and then not POA. What's it? The S s add o statement advice. S o Yeah. a. Yeah. You don't have to you don't have to print it. You can print it if you want to. We're actually able to sign it on the computer With if you're my comfortable mouse. to do so. I don't yeah. It's just finding it with the mouse. It's so It's weird. You can you can definitely print it. If you'd like, I can email it to you so it's a bit easier for you to print. I can email it all to you, and you can sign it. There's a few pages to sign on the application If you form can for Hub mail 24. those separate, I can then print that and because I can't print it from my computer. I've got it printed from my phone. I ordered it just doesn't work from my computer for whatever reason. So if you can send that to me, it's just the ones Yep. I have to sign, then Yeah. I can do that and send that to you. Definitely. Can you do me a favor? While we're on the phone, Yes. your bank account details, are you a 100% I've double checked it. It is they are correct. okay.","start_word":4866,"end_word":5098,"sentiment":"neutral","sentiment_score":0.05187650584483863},{"text":"Fantastic.","start_word":5099,"end_word":5099,"sentiment":"positive","sentiment_score":0.55625981092453},{"text":"I'm just always really cautious. So what I'll do is I'll email you the do you want just the print pay the the pages to sign? Just the ones to start. And that's yeah. Because it's come through as an attachment. Your statement of advice document is a it's an attached thing and says signed document. If Yes. you If could you click on sign documents, you yeah. can sign I've it got through there. yeah. I've got that on So if I do that, I may I might be able to print it from there. And then it's just the last pages. Hey. Yeah. Yeah. It's just the the last pages. So there's I mean, some of It's them are, more like, the second last pages, but yeah. if you update should I have it updated with the correct details or it doesn't matter? No.","start_word":5100,"end_word":5245,"sentiment":"neutral","sentiment_score":0.022172078490257263},{"text":"It's fine.","start_word":5246,"end_word":5247,"sentiment":"positive","sentiment_score":0.4538285434246063},{"text":"It's it's it's they're nominal. Like, I'm not concerned about the mortgage is gonna be cleared out anyway. So if it's $2.00 9 or $2.","start_word":5248,"end_word":5272,"sentiment":"neutral","sentiment_score":-0.1222270131111145},{"text":"90, still can't believe I did that.","start_word":5272,"end_word":5278,"sentiment":"negative","sentiment_score":-0.4199985265731811},{"text":"It's fine, and we'll update things and touch base when the house sells anyway.","start_word":5279,"end_word":5292,"sentiment":"positive","sentiment_score":0.343109667301178},{"text":"Yeah. Because if the house sells for more, then things might change there. Okay. Alrighty. What else did I have? You know that the documents with the different Discover call choices that that's just the different things. I'm on call anyway on time. You're on choice. That's the that's the menu option for hub twenty four. They have three different menus. Yeah. Each of Oh, the menus have different investment options. okay. Yeah. Alright. And is that the best thing to be on? Are they no because that's the one that's got the most fees as well. It's the one that has the the largest investment offerings. Yes. Oh, okay. Alright. Okay. Yeah. If you can okay. Can I print from that? Let me just see if I can sign with my mouse. So I'm not we're not changing this document. No. We just Click may do an update later depending on what they have sales for. you see. No. It's it's it's just offering me the cancel. It's offering me my written signature, not a signature signature. Okay. I will I will email you the pages, Okay. and And I can then just I'll email you the the print pages. okay.","start_word":5293,"end_word":5494,"sentiment":"neutral","sentiment_score":-0.02583080716431141},{"text":"Thank you.","start_word":5495,"end_word":5496,"sentiment":"positive","sentiment_score":0.4563113152980805},{"text":"No. That's okay.","start_word":5497,"end_word":5499,"sentiment":"neutral","sentiment_score":0.06720231473445892},{"text":"Absolutely.","start_word":5500,"end_word":5500,"sentiment":"positive","sentiment_score":0.3399967551231384},{"text":"I think we've answered everything. Oh, notice of intent. What does that mean? What Oh, exactly thing. yes. So so because because we're doing the cash out retontribution of the 120, Yeah. we talked about possibly converting some of the money into concessional to save you on tax Yeah. I depending can't on how your income like, your return goes. Normally, I could say with certainty, do it for this amount. Yeah. Yeah. But because But your I I your income's 40,000 and then you've got your 16,000 of fringe benefits, and you said you had between 7 and 8,000 you could claim on, you're already sitting pretty low in the tax brackets. Yeah. Yeah. I didn't think there was anything too much that we could do in that realm. So Yeah.","start_word":5501,"end_word":5632,"sentiment":"neutral","sentiment_score":0.0426845514148502},{"text":"I just I recommend, like, go to when you sit down with your accountant, just let them know, hey. I've put a $120,000 into my super fund this year. Yeah.","start_word":5633,"end_word":5662,"sentiment":"positive","sentiment_score":0.5180289149284363},{"text":"Should I claim any of it and do a word of intent and and convert it from nonconcessional into concessional and save on tax? Is there anything we can do to save more tax personally? Yeah. Okay. So it's just it's a conversation with your accountant. So it's not something I can tell you a figure on. Normally, Yeah. I would, but your income's in that weird bracket. Yeah. K. So of the one twenty, is there anything that needs to be declared as non concessional because it's after As as concessional. So is there anything that we should claim concessionally and save on tax? I And don't think so there's going to be, to be completely honest, but it's still a good conversation to have with your accountant. Yeah. Okay.","start_word":5663,"end_word":5793,"sentiment":"neutral","sentiment_score":0.11011310666799544},{"text":"And when you meet with your accountant, I'm more than happy if you wanna give me a call when you're in the room with the accountant.","start_word":5794,"end_word":5819,"sentiment":"positive","sentiment_score":0.4484806358814239},{"text":"I do it online. Because when I Ubered, I used a lady that does Uber tax. She does all the Ubering kind of tax Yep. stuff, and Yeah. I've just stayed with her and it cost me Yeah.","start_word":5820,"end_word":5857,"sentiment":"neutral","sentiment_score":0.19055791199207303},{"text":"Well, I'm happy that if if when you go to do tax time, I can send an email to to outline things, and you can just nothing.","start_word":5858,"end_word":5884,"sentiment":"positive","sentiment_score":0.4776928424835205},{"text":"include that email and and send it off to the accountant, and the accountant's able to come It back off to to me. that will be off to we've done everything. It it'll be the accountant will basically do your tax return. At the end of Yeah. the tax return, they'll be like, oh, well, we could we could claim the money that you've put into your super fund. And Yeah. what will happen is the money you put into your super fund, the $1.20, we submit what is called a notice of intention to claim or vary a contribution as a deduction, or we just call Yeah. it notice of intent because the name Okay.","start_word":5885,"end_word":6000,"sentiment":"neutral","sentiment_score":0.09673914086808258},{"text":"is ridiculous.","start_word":6001,"end_word":6002,"sentiment":"negative","sentiment_score":-0.3904853761196137},{"text":"And what happens is you write a specific amount down and you convert that from non concessional into concessional, which means that the super fund pays 15% tax, and then you get to claim that amount back on your tax Okay. return. So it only really works if you're gonna you're intending on paying less than 50, more than 15% tax personally because, otherwise, you're paying 15% tax in the super Yeah. funds and less personally. So it only works out if the numbers work out. Yeah. No. It's it's it'll be marginal anyway, and it's just a fact. Correct. It's not yeah. Okay. No prob. I think that was that biggest concern is that the so You still there? Oh, there you are. the new mix of investments, you're moving 10% out of Australian equity to international equity. I'm Adjusting that, is there a reason for that? not adjusting anything. There's the new that's all there. New things. Oh, like because car like, currently, your fund has, like, 28.4% sitting in, like, iShares S and P, and then there's, like, Yeah. 20.4% sitting in data shares, but I'm gonna have it at thirty and twenty respectively. So the the numbers are a little bit off in terms of, you know, you hold slightly higher in some of the assets than what It I looked would looked like virtually straight 10% out of the one into the other, which I wasn't sure of. Okay. This alright. Okay. There's on page 36. It's showing Australian equity risk profile percentage is 30. The proposed percentage is 20%. And then international Yep. equity, the interest risk profile is 45%. You're proposing to put it at 56%. Right. I'm Yes. three Okay. No. international No. You're okay. Yeah. better than Australian. No. No. No. That's so fine. Okay. Now that I understand. So risk profile wise, we we set parameters for what like, in each risk profile, what we aim to sort of hit. Yeah. In terms of where we're currently sitting, I am sitting a little bit heavier in internationally than what I am Australian equities wise, and that's just because the international has the better cushion than what the Australian does. Okay. As markets move and and transition, we may ebb the other way. But right this second, the international just has the the better the cushion for the market doing what it's doing. And and Yeah. all the stuff that's in cash and fixed interest is now going into an alternative defense defensive asset. What is that? No. That's okay. So you have BHYB. You have IAF. They are Okay. both alternative assets. So in the risk profile, we look to have, you know, like, between, basically, 20% sitting defensively, but we have a variance of, like, 10% either either way. So as Yeah. the market moves, we may kind of move a little bit more heavily into defensive assets, and we can have a variance within that risk profile of 10% leeway within Okay. each of those positions. Okay. So for, like, the defense of assets, we're hitting pretty much the on point. We don't have any fixed interest in the portfolio when, obviously, we're not aiming to have any cash. The account itself will have about 1.2% cash. It always Yeah. has 1.2 Yeah. percent cash in the cash account. But outside of that, we're not looking to have anything else. Okay. Alright. I put that question. New account. Okay. Yes. Okay. That's it. Sorry. I had four pages of notes. Okay. I think that's that's probably it for me. Thank you. No. That's I okay. I will sign as soon as I get that. It just always goes to my junk. Oh, is that you? Yeah. I'll just move that into my inbox. I don't know why junk. Never sent you junk. There you go. It's I was gonna alright. So I will Okay. print oh, that was for you in fifteen minutes. Yes. I If emailed you, and then I realized that an email and a text is two different things, so I text you as well. sorry. I know. Because No. yeah. You're fine.","start_word":6003,"end_word":6700,"sentiment":"neutral","sentiment_score":-0.032380483865759264},{"text":"It was because I kept going to junk.","start_word":6701,"end_word":6708,"sentiment":"negative","sentiment_score":-0.35264894366264343},{"text":"And what I'll do is I'll I'll literally I'll I'll pull the pages out, and I'll I'll email them through to you.","start_word":6709,"end_word":6730,"sentiment":"neutral","sentiment_score":-0.0963565558195114},{"text":"I lied.","start_word":6731,"end_word":6732,"sentiment":"negative","sentiment_score":-0.33991503715515137},{"text":"It's actually my day off. I'm gonna get someone else to email them through to you. So No. No. I will try and download it and print those pages. Don't it's It's your day fine. off. I'm I'm online. So what I'll do is I'll email my team and get my team to email you the pages that you need. Okay. Okay? Sorry. Do not apologize at all.","start_word":6733,"end_word":6800,"sentiment":"neutral","sentiment_score":-0.06820018589496613},{"text":"I am so happy to have been able to solve it all and get all the questions answered.","start_word":6801,"end_word":6818,"sentiment":"positive","sentiment_score":0.5451015830039978},{"text":"It was my choice to allow a call today, so it's Okay. fine. Just know that I'm still in my pajama pants. Okay. Good. Alright.","start_word":6819,"end_word":6843,"sentiment":"neutral","sentiment_score":0.10658857971429823},{"text":"Thank you so much, Larissa.","start_word":6844,"end_word":6848,"sentiment":"positive","sentiment_score":0.3996743857860565},{"text":"I will as soon as I No. get those My pleasure. in, I will print and sign and then just send them back to you because I and whoever sent them to me? Yeah. Who Just do I reply straight to the to who sent it to you, and they will start the administration. They'll be in touch with me today, okay. and I'll just make sure that everything gets triggered the way it needs to. The one thing I haven't told you, which I do need to, is your bank account details. Because they've never been applied to the account before, you will get a call from Hub twenty four within the next couple of days Okay. to verify them. Okay. Okay? That that's that's normal. That's fine. So yes. Yeah. Very, very much normal.","start_word":6849,"end_word":6984,"sentiment":"neutral","sentiment_score":0.039890166372060776},{"text":"Just a security measure to make sure that the bank account details are correct and everything's fine. Yeah. Okay. Yeah. That's all good. Okay. Thank you for the warning.","start_word":6985,"end_word":7013,"sentiment":"positive","sentiment_score":0.4989884495735169},{"text":"Because I often don't accept I just don't take calls from when I'm not expecting them, so I'll know to expect it and take it. I normally know before they even try and call you anyway. So I'll Okay. just I'll literally email you, text you, call you, and say, hey. They wanna verify details. You can call them on this number, and it's this reference number that you need a quote. That way you can do the reaching out rather than waiting for them. Okay. It's Okay.","start_word":7014,"end_word":7101,"sentiment":"neutral","sentiment_score":0.1105717271566391},{"text":"quicker that Thank you. way. That's okay. My pleasure. Cool. Perfect. Thank you. That's okay. I'll talk to you soon, Carol.","start_word":7102,"end_word":7122,"sentiment":"positive","sentiment_score":0.5455642938613892},{"text":"K. Bye. Bye bye. Bye.","start_word":7123,"end_word":7127,"sentiment":"neutral","sentiment_score":0.13605186343193054}],"average":{"sentiment":"neutral","sentiment_score":0.03878853900804996}}}}