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Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you. Beautiful. Thank you so much for that. Perfect. So thank you for sending everything through. How's your week been so far? Yeah. I have. Yes. I did take two weeks off to have a little bit of a break. I hadn't had a holiday this year. So just to take a bit of a break with my son, but it was nice and back into it and busy as ever. Love it. Yeah. Yeah. Well, let's just jump into things, and thank you so much for sending everything through. I've kinda gone through and correlated as much as I possibly can and put it into one area to kinda give me an idea on where things are tracking there. So just sort of starting from with the property side of things, you've sold the Victorian property, the Craneborn property held in Yanni's name. That's all being sold. Is that right? Oh, perfect. So sorry. It's quiet property. No. Craneborn. My apologies. Quiet Property. Excellent. Beautiful. And from your email there, you had proceeds left over of 217,000. Is that right? Beautiful. And that's that's after you've paid all the extra fees for the settlement costs and paid the loan back? Yeah. Beautiful. And you mentioned here that you've also that that money sitting in between Yanni's offset account and his savings account. Is that right? Yep. Beautiful. And savings. Excellent. And there was also a mention of a inheritance of a 100,000. Have you received that as well? Beautiful. And where is that located at the moment, that 100,000? Okay. Yep. Okay. No worries. So not not worrying about that 100,000. That's all basically used up, essentially. Yep. Beautiful. So not to worry about that. Beautiful. Excellent. And how's everything going with regards to the build as a new property? When's it all expected to start, and how's the planning going? Yep. Mhmm. Yeah. Okay. Okay. Yep. Yeah. Absolutely. Any issues? Fantastic. Excellent. And just kinda going through now, I know there has been some changes to interest rate to the cash rate again, which could obviously affect interest rates with the banks. Thinking about the loan now with because this is the Parkdale property. Can I get the full address for this property of you? Yep. Sorry. What was that? 3340? Yep. Yep. Yep. Yep. Parkdale. Beautiful. Excellent. Beautiful. So just started going through things now, the land loan you currently owe, 338,000, is that still fairly correct? $2.90 6? Yep. That's okay. Easy. And then I've got the construction loan being about 417,000. Is that correct? Okay. Beautiful. Just to sort of look at that for you. Excellent. So we're looking at total sorry. I got all my stuff everywhere. So $2.96, and we're also looking at 417,000. So we're looking at about 713,000 total lending at the end of everything. Is that right? That's how much the loan should be once it's all constructed? That's all going well? Yep. That's okay. Beautiful. And then under here, I've also got potential reduced debt scenario of 655,000. What was the difference in that? Is that sort of adding some additional funds in there or because it was an extra 100,000. Mhmm. Okay. Beautiful. So that's yep. Yeah. That's absolutely fine. And what's kind of the ETA on handover? Have they given you a time frame in where the property should be fully built and handed over to you and the loan fully ready to be paid down, all all inclusive? Nine months. Beautiful. Yep. Perfect. November. And then nine months for build and then handover. Beautiful. And I'll just put here total loan expected 713,000, 100,000 to be held in the offset account. So that will did you want me to factor in the offset account having the set account having the 100,000 into the projected outcome for you or just maybe work on the full loan balance? Yeah. Yeah. Yeah. Yep. Okay. Beautiful. 67,500. And are those in the current offsets for the two investment properties that you each own currently? DVR offset. Yep. High interest saver. Okay. No. That's alright. Just because I'm having a look. So with the budget plan as I got through, I've got the Banya House, which is the Victorian property. And is that the one Banya is a Queensland property. Beautiful. And then I've also got here Clyde, which is sorry. I just sent it. Well, I so Clyde was the one that was sold. Beautiful. Beautiful. Excellent. Lovely. Just because with the budget plan, it's got, like, the Clive mortgage, Clive interest rates, and things like that. So is that kind of no longer needed? That's okay. You're absolutely fine. This one has July 20 I've got Yanni's July 2026 completed, and I've got your July 2026 completed budget planners. Let me double check and see. No. That's okay. I've also could have just opened up the wrong budget planners. There. That's okay. That's okay. I'll just open up oh, it's still attached to the email. He hasn't downloaded properly. Beautiful. Got them here. Excellent. So this is the September one. My apologies. I was opening up everything, and I just pulled the wrong ones up. So it's all good. You've actually done a really great job sending everything through. It gives me a really good kind of view of where everything is up to and what you've got. Just there we go. And I'll move this one over here. Beautiful. Yeah. You've definitely had a lot going on. That's for sure. They had a busy few months. Oh, good. Alright. So with the September budget planners here, I've got the Bunya House. I'm sorry. Am I saying that that suburb correctly? Is it Bunya Bunya? Yep. The Bunya House income with the Bunya Home Repairs, we've got the mortgage repayment, which is great, and the Craneborn is your main primary residence still. That's all fine. I love that. It's got the water rates and all the bits and pieces there. With on your budget planner with the investment property admin fee of $62 annually, is that for the Bania property Bania property? The admin fee you pay for that. Yep. Beautiful. Just making sure I put that. Mhmm. Yep. Yep. Perfect. Alright. Beautiful. And I've got the admin fee there. Fantastic. And the Craneborn has the offset with the extra funds in it. Beautiful. Just going through the other things. So then on Yanni's, I've just got his take home pay currently, which is still from that workers' compensation payment. How's that going for him? Is he getting closer to because I know that ends around about November, doesn't it? Yep. Yep. Nice. Yeah. Yeah. Yeah. Okay. Beautiful. Well, good luck, and, hopefully, it all goes well. I'll make sure I keep up to date. And, yeah, hopefully, it all goes well for him. Be good to have something to go to every day and give him a little bit of you know, aside from the study, give him something to get up and go to work and do it. That would make a big difference. That's for sure. Yeah. Absolutely. No. Perfect. That sounds fantastic. So at the moment, you've got the Craneborn property, which is your main primary residence. We've got the Banya Home, which is the investment property in your name solely. The Craneborn property, is that in both names, or is that just in your name? Just in your name. Beautiful. And then this new property at Parkdale, and that's in joint names, is that owned you know, joint tenants in common or just jointly owned fifty fifty between the two of you? Beautiful. Beautiful. Excellent. And just double checking the interest, sir, I've also got here that you expected rental income's between 900 to 1,000 per week once the property is fully built. Do you feel that that's still fairly appropriate? Yep. Yep. That's okay. We'll just work on the quote that you got from them. That's absolutely fine. Yeah. Perfect. And are you still planning on holding a reserve of that 30,000 sitting behind, or is that kind of gonna be included in the 100 k that you wanted to sort of have in the offset account? Yep. Yep. Yep. Yes. Perfect. Excellent. And is that gonna sit in the offset account and just be as the repayments need to be made while the construction's going through, it'll just be directed from the offset account, or is that just gonna be in another account sort of directed back to the loan? How do you sort of plan on having that sitting? Mhmm. Other bill. And which I'm sorry. You're right. Sorry to be painful, but which offset account is that gonna be sitting in? Cranbourne. Beautiful. North North. Excellent. Beautiful. Lovely. So trying to keep as much money as possible sitting in the main primary residence offset account because that's nontax deductible and trying to keep as much tax deductible loan owing as, like, for that tax deductibility. Is that sort of where you're going with that? Yep. Beautiful. Excellent. Lovely. And then I've got just with the interest rates, with the initial land loan interest rate, we're looking at 9.14% currently. Is that still fairly accurate? Yep. Yeah. You're right. So we'll save Parkdale. 8.64% is expected after rise. Beautiful. And then I've got here indicative refinance construction loan rate of 6.36 interest only. Is that the so that's normally a refinance rate. You'll be paying the eight point sorry. The 8.64% interest on the loan, won't you? Yep. Yeah. Mhmm. Okay. Yep. Sorry. That's Sorry. That's absolutely fine. Yeah. Absolutely fine. So I'll just note that that is if you refinance down the track, that's a possibility, but we'll work on the 8.3 8.64% for the loan because that's what you sort of expect it to be currently doing. If anything changes over the next couple of weeks, please just let me know while I'm going to the research component. If I find there's anything additional I need to kinda confirm, I'll make sure I email or touch base there for you as well. Beautiful. That looks really good. Now with the Parkdale property, is there any looking kinda at management fees, rates, and things like that, do you have any kinda estimate on how much those costs are expected to be once the property is all handed over. That's okay. You're absolutely fine. 6% management fee. So once handed over. Fantastic. An estimate on kind of rates and water and things like that, do you know roughly what those might cost you? Yep. Yep. Beautiful. Yes. Did you want me just to factor in maybe $500 for, like, pest management and control and things like that? Yep. Per year for maintenance and pest control. Perfect. Excellent. Beautiful. That's basically everything for the Parkdale loan at the moment, unless there's anything else that you can think of that might be important to kind of note down for the Parkdale property. Any changes or anything else that's due to change? Or that's okay. Beautiful. Excellent. So the other one is so looking at the Banjo property, I've got your home repairs, management fees, mortgages, your income coming in on a regular basis. The income that you've got noted on the budget plan of that, is that before all of your, like, management fees and things like that are accounted for, or is that what you're receiving after all those have been taken to account? Yep. Yep. Beautiful. Yep. $7.10 in February 2027. Beautiful. Thank you so much. And, honestly, this budget plan is one of the best I've ever seen completed. You've done an amazing job. Thank you so much for that. I looked at them, and I was like, oh my god. This gives me warm, fuzzy feelings. I love all the detail you've got here. You've broken everything down so perfectly. All good. Parkdale loan is there currently on how much you're paying per month. With the loan repayments, are they the minimum requirement, or are they just what you're paying, which could be over the minimum based on the interest rate? Yep. Yep. Yep. Beautiful. Excellent. And with the Bunya property, what's the current interest rate on that property? A loan. Sorry. My apologies. Loan. Yep. Sorry. What's the interest rate on the loan? My apologies, Sarah. 6.51%. That's okay. I'll work on that. And if you find it does go up, just let me know because I can very easily just alter that for you. And, yeah, you had here 450 owing on the loan. That's still fairly accurate for the Banya property? Yep. Beautiful. I've got income and everything there. Excellent. 6.51%. And that's interest only as well. Excellent. And with the Craneborn property, your main primary residence, how what's your interest rate on that one currently on the loan? Yeah. I can factor in as a a full rate rise into the percent if you like, and that we can kind of work on that for you. That way, we're factoring in the potential rate rise, which I'm assuming most banks are gonna take on board anyway. 5.94. Beautiful. And we'll add the interest rate increase there as well. Just because if I was a bank, I would definitely take that rate rise and run with it. Just make as much money as possible, really, isn't it? All all good. Beautiful. That looks like mostly everything there. Now just kind of with the goal side of things, we're looking at what to do over the next like, what's expected over the next five years, looking at, obviously, income paying the mortgage down and what that looks like over the next sort of five years, but also looking at the capital growth. So the growth that the properties have seen over the past couple of years and estimating that over the next few years to sort of show you, a, what the loans are expected to look like, what the growth is expecting to look like on each of the properties, and giving you your growth and net overall financial situation. Am I right in suggesting like, in saying that's kind of what you're after, or is there anything different? Have I got any of that wrong? Yep. Beautiful. Yeah. Absolutely. Perfect. And when with these properties that are obviously interest only for a certain time frame with the Park sale property. How long is that gonna be interest only for after the property is built? Yep. You're doing the four five. Yep. Yep. Yep. Beautiful. And are you planning on sort of building up putting any additional money into the offset accounts to kind of build up the offset account so that when that comes up interest only, you owe less money on the over, sorry, on the overall loan when it kinda reverse the principal and interest, or you're just kinda happy paying the minimum and keeping that excess, the 100,000, sitting in the offset? What's your sort of plan with the offset and the excess money? Yeah. Yeah. Yep. Yeah. Yeah. Absolutely. So keep keep paying down the PTR as much as possible and offset. Lovely. So focus mostly on paying down the nontax deductible loan, keeping the other two loans as they are. You'll keep a bit of a buffer in the offset accounts if needed, but just making sure that you can, you know, maximize your tax deductions with the interest repayments and things like that. Is that sort of what you're after? Yeah. Beautiful. Excellent. Overall. So I'll look at overall capital growth expectation around each of the properties, focus on maybe mortgage repayments to sort of show you that as well over the next sort of five years based on current loan rates. And I'll factor in the increase of the full rate rise just so we're you know, if they don't pass on the full rate rise, it works out better for you, but more than likely, they are gonna pass on the full rate rise. If you find out over the next couple of weeks that you that there are that they're not passing on the full rate rise, if you can let me know, that'd be great just so I can make sure I'm working on the most up to date information for the loan repayments as much as possible. Excellent. Beautiful. And then with your super, are you just wanting this advice to sort of focus around the properties and what that looks like over the next five years, or are you wanting to sort of look at, you know, increasing contributions to super? I know with your budget planners, there's not really a a lot of extra cash flow at the moment. Are you just sort of wanting to look at the the properties over the next five years, or did you want me to sort of factor in the super outlook and look at everything as a whole? What would you like? Mhmm. Yep. Yeah. No. That's okay. It does look like with your budget plan, because you're sitting in the negative expectation wise at the moment, I'd be really, you know, not wanting to increase your contributions in, but I can sort of factor in, like, work on the properties as a whole for this advice document for you and look at the growth over the next sort of five years to give you an idea of what this looks like. But then, also, just when we look at the total in the next five years, factor in the projected outcome with your super as well and just go look as a whole, including your super, which will be limited. I'm not making any changes to super right now because it is actually working really well. But just looking at, you know, your net and gross financial position, taking to account what your super should look like in that time frame as well. Does that sound appropriate? Are you comfortable with that? Is there any additional questions there at all? That sounds great. Excellent. And just sort of looking at long term goals, you sort of may mention you're not really sure if you wanna sell or keep the property. So but for the next five years, you kind of expect to keep them, you know, options to sell maybe down the track a little bit further. Is that right, or am I wrong in any of that? That's right. Beautiful. Yep. Beautiful. Lovely. Excellent. Is there anything else wise that you would like me to sort of factor into this for you at all? Is there anything I may have missed that you might want me to consider for you as well? Or That's okay. Yeah. Absolutely. The only other thing so the way this will sort of work because you're our current client, Yanni, is not quite yet. What I'll do is I'll make this advice to yourself. It'll be for you, but it will, because this property is partly in his name, also have an effect on him. So I'll make sure I note that within the advice document for him, but it will essentially be directed to yourself. Is that okay? Yep. Beautiful. And the effect there. If Yanni has any questions at any point, you're welcome to let me know. It's not a problem at all. The only other thing I was sort of looking at this morning that might be a really good option, I was gonna email you, but I thought, look. I'm gonna talk to you anyway. Have you done your tax return for last financial year at all? Beautiful. Are you able to send me a copy of the assessment notice, for yourself and for Yani just so I can break down, what they have in there, under the deduction side of things for you as well. Beautiful. Excellent. Thank you so much for that. I really look forward to putting this together. I really enjoy this kind of advice, so it's gonna be a lot of fun to put together. I do estimate, research wise, it should take me about sort of five to six weeks to put together. So what I would like to do now is just rebook you in to go to the presentation in that time frame. If I find I have any additional questions or need any additional information for the research as I'm going through it, I'll come back and email you or give you a call just to kind of, you know, add anything extra in. And then if I find I get to that point I'm still not quite ready, I'll let you know, and we'll reschedule at that. But I estimate five to six weeks should be absolutely fine for that. Is that okay with you? Yep. Beautiful. No. I'm I'm gonna book it in now for you so you've got a a date there ready to go. So we're sitting at the end of September now. So one, two, three, four, five, six. That brings us up to the the week of the November 9. What day or time generally suits you best? Beautiful. What if we do is afternoon suitable or morning? What's better? Yeah. What time afternoon wise? I've got three, four, five, or six available. You it's all up to your pick. 04:30? Yep. Beautiful. Excellent. So I'll pop that in there at 04:30 on Monday, November 9. I'll get stuck into the research here for you as well. If you think of anything that I may have missed or you needed, please let me know. Happy to make time to come back and chat or via email, whatever your preference is. I think I've got everything I need here. I'll go back and start the research component. And if I can just get a copy of each of your tax tax return summary, that would be fantastic. Just noting all the deductions that your accountant sort of claims there for you. And, yeah, I look forward to putting this together. As I kinda mentioned, because this has been in progress for a long time, there's no additional cost to this advice. It's all essentially complimentary or free to yourself. Moving forward, our our fee structure has kinda changed a bit. So moving forward, they do charge about 2,200 for this kind of advice outside of Super, but I'm doing it all a 100% complimentary for you this time around. And then down the track, we can always talk about how that looks down the track for you. Is that okay? Beautiful. No. That's okay. I made sure to honor everything. I was like, no. No. Yes. We've been talking about this for months. It's something you've been after, and we never used to charge for advice outside of super. Things have kinda just changed with the way the fee structure works, and we've had to sort of start charging for advice outside because there is a lot more of it required. A lot you know, people need a little bit more assistance in the cost of advice, and the cost of everything has definitely gone up. The cost of living and running a business has definitely gone up. So that's why that has essentially changed there. But moving forward, if you ever you know, what I try to do personally is whether it's complimentary, if I can do it complimentary, I will always try to do it for you. If this is general advice, that is also free, and it's it's down the track when we get, you know, past this advice piece. If you want something else down the track, we can always look at that. And I can always go into that and speak to our head of advice and sort of come up with some sort of, you know, maybe a reduction in fee or cost or something for you as well. So I'll always try to help you out as much as possible. For me, it's not about the fee. For me, it's about helping you and doing the advice. But I just like to make sure that you're essentially aware of everything and across the information to make sure I'm upfront and honest there with you as well. Okay. Easy. That's okay. Do you have any questions for me or anything else that you think I might need to maybe look at for you? Or is there anything you need me to do as well or other than this, separate to this? Mhmm. Beautiful. Yeah. Absolutely. Yeah. I'll take into account the full rate rise just so we are sort of factoring in known changes because I think it'll be pretty interesting if any of the banks don't don't pass on the full rate rise to clients. I know I would if I was a bank, so most of us probably would. Yeah. No. Excellent. Thank you so much for your time this morning, Sarah. I really appreciate it. I'm looking forward to putting this together for you. And, again, if there's anything you need, please let me know. I'm more than happy to help. Thanks. Enjoy your week. Enjoy your weekend. Thank you. 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Sarah. Hi, Sarah. It's Dana from Oakley. How are you? I'm very well.\n\nThank you. Thanks for asking. I is now still a good time to go through things with you? Fantastic. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you. Beautiful. Thank you so much for that.\n\nPerfect. So thank you for sending everything through. How's your week been so far? Yeah. I have.\n\nYes. I did take two weeks off to have a little bit of a break. I hadn't had a holiday this year. So just to take a bit of a break with my son, but it was nice and back into it and busy as ever. Love it.\n\nYeah. Yeah. Well, let's just jump into things, and thank you so much for sending everything through. I've kinda gone through and correlated as much as I possibly can and put it into one area to kinda give me an idea on where things are tracking there. So just sort of starting from with the property side of things, you've sold the Victorian property, the Craneborn property held in Yanni's name.\n\nThat's all being sold. Is that right? Oh, perfect. So sorry. It's quiet property.\n\nNo. Craneborn. My apologies. Quiet Property. Excellent.\n\nBeautiful. And from your email there, you had proceeds left over of 217,000. Is that right? Beautiful. And that's that's after you've paid all the extra fees for the settlement costs and paid the loan back?\n\nYeah. Beautiful. And you mentioned here that you've also that that money sitting in between Yanni's offset account and his savings account. Is that right? Yep.\n\nBeautiful. And savings. Excellent. And there was also a mention of a inheritance of a 100,000. Have you received that as well?\n\nBeautiful. And where is that located at the moment, that 100,000? Okay. Yep. Okay.\n\nNo worries. So not not worrying about that 100,000. That's all basically used up, essentially. Yep. Beautiful.\n\nSo not to worry about that. Beautiful. Excellent. And how's everything going with regards to the build as a new property? When's it all expected to start, and how's the planning going?\n\nYep. Mhmm. Yeah. Okay. Okay.\n\nYep. Yeah. Absolutely. Any issues? Fantastic.\n\nExcellent. And just kinda going through now, I know there has been some changes to interest rate to the cash rate again, which could obviously affect interest rates with the banks. Thinking about the loan now with because this is the Parkdale property. Can I get the full address for this property of you? Yep.\n\nSorry. What was that? 3340? Yep. Yep.\n\nYep. Yep. Parkdale. Beautiful. Excellent.\n\nBeautiful. So just started going through things now, the land loan you currently owe, 338,000, is that still fairly correct? $2.90 6? Yep. That's okay.\n\nEasy. And then I've got the construction loan being about 417,000. Is that correct? Okay. Beautiful.\n\nJust to sort of look at that for you. Excellent. So we're looking at total sorry. I got all my stuff everywhere. So $2.96, and we're also looking at 417,000.\n\nSo we're looking at about 713,000 total lending at the end of everything. Is that right? That's how much the loan should be once it's all constructed? That's all going well? Yep.\n\nThat's okay. Beautiful. And then under here, I've also got potential reduced debt scenario of 655,000. What was the difference in that? Is that sort of adding some additional funds in there or because it was an extra 100,000.\n\nMhmm. Okay. Beautiful. So that's yep. Yeah.\n\nThat's absolutely fine. And what's kind of the ETA on handover? Have they given you a time frame in where the property should be fully built and handed over to you and the loan fully ready to be paid down, all all inclusive? Nine months. Beautiful.\n\nYep. Perfect. November. And then nine months for build and then handover. Beautiful.\n\nAnd I'll just put here total loan expected 713,000, 100,000 to be held in the offset account. So that will did you want me to factor in the offset account having the set account having the 100,000 into the projected outcome for you or just maybe work on the full loan balance? Yeah. Yeah. Yeah.\n\nYep. Okay. Beautiful. 67,500. And are those in the current offsets for the two investment properties that you each own currently?\n\nDVR offset. Yep. High interest saver. Okay. No.\n\nThat's alright. Just because I'm having a look. So with the budget plan as I got through, I've got the Banya House, which is the Victorian property. And is that the one Banya is a Queensland property. Beautiful.\n\nAnd then I've also got here Clyde, which is sorry. I just sent it. Well, I so Clyde was the one that was sold. Beautiful. Beautiful.\n\nExcellent. Lovely. Just because with the budget plan, it's got, like, the Clive mortgage, Clive interest rates, and things like that. So is that kind of no longer needed? That's okay.\n\nYou're absolutely fine. This one has July 20 I've got Yanni's July 2026 completed, and I've got your July 2026 completed budget planners. Let me double check and see. No. That's okay.\n\nI've also could have just opened up the wrong budget planners. There. That's okay. That's okay. I'll just open up oh, it's still attached to the email.\n\nHe hasn't downloaded properly. Beautiful. Got them here. Excellent. So this is the September one.\n\nMy apologies. I was opening up everything, and I just pulled the wrong ones up. So it's all good. You've actually done a really great job sending everything through. It gives me a really good kind of view of where everything is up to and what you've got.\n\nJust there we go. And I'll move this one over here. Beautiful. Yeah. You've definitely had a lot going on.\n\nThat's for sure. They had a busy few months. Oh, good. Alright. So with the September budget planners here, I've got the Bunya House.\n\nI'm sorry. Am I saying that that suburb correctly? Is it Bunya Bunya? Yep. The Bunya House income with the Bunya Home Repairs, we've got the mortgage repayment, which is great, and the Craneborn is your main primary residence still.\n\nThat's all fine. I love that. It's got the water rates and all the bits and pieces there. With on your budget planner with the investment property admin fee of $62 annually, is that for the Bania property Bania property? The admin fee you pay for that.\n\nYep. Beautiful. Just making sure I put that. Mhmm. Yep.\n\nYep. Perfect. Alright. Beautiful. And I've got the admin fee there.\n\nFantastic. And the Craneborn has the offset with the extra funds in it. Beautiful. Just going through the other things. So then on Yanni's, I've just got his take home pay currently, which is still from that workers' compensation payment.\n\nHow's that going for him? Is he getting closer to because I know that ends around about November, doesn't it? Yep. Yep. Nice.\n\nYeah. Yeah. Yeah. Okay. Beautiful.\n\nWell, good luck, and, hopefully, it all goes well. I'll make sure I keep up to date. And, yeah, hopefully, it all goes well for him. Be good to have something to go to every day and give him a little bit of you know, aside from the study, give him something to get up and go to work and do it. That would make a big difference.\n\nThat's for sure. Yeah. Absolutely. No. Perfect.\n\nThat sounds fantastic. So at the moment, you've got the Craneborn property, which is your main primary residence. We've got the Banya Home, which is the investment property in your name solely. The Craneborn property, is that in both names, or is that just in your name? Just in your name.\n\nBeautiful. And then this new property at Parkdale, and that's in joint names, is that owned you know, joint tenants in common or just jointly owned fifty fifty between the two of you? Beautiful. Beautiful. Excellent.\n\nAnd just double checking the interest, sir, I've also got here that you expected rental income's between 900 to 1,000 per week once the property is fully built. Do you feel that that's still fairly appropriate? Yep. Yep. That's okay.\n\nWe'll just work on the quote that you got from them. That's absolutely fine. Yeah. Perfect. And are you still planning on holding a reserve of that 30,000 sitting behind, or is that kind of gonna be included in the 100 k that you wanted to sort of have in the offset account?\n\nYep. Yep. Yep. Yes. Perfect.\n\nExcellent. And is that gonna sit in the offset account and just be as the repayments need to be made while the construction's going through, it'll just be directed from the offset account, or is that just gonna be in another account sort of directed back to the loan? How do you sort of plan on having that sitting? Mhmm. Other bill.\n\nAnd which I'm sorry. You're right. Sorry to be painful, but which offset account is that gonna be sitting in? Cranbourne. Beautiful.\n\nNorth North. Excellent. Beautiful. Lovely. So trying to keep as much money as possible sitting in the main primary residence offset account because that's nontax deductible and trying to keep as much tax deductible loan owing as, like, for that tax deductibility.\n\nIs that sort of where you're going with that? Yep. Beautiful. Excellent. Lovely.\n\nAnd then I've got just with the interest rates, with the initial land loan interest rate, we're looking at 9.14% currently. Is that still fairly accurate? Yep. Yeah. You're right.\n\nSo we'll save Parkdale. 8.64% is expected after rise. Beautiful. And then I've got here indicative refinance construction loan rate of 6.36 interest only. Is that the so that's normally a refinance rate.\n\nYou'll be paying the eight point sorry. The 8.64% interest on the loan, won't you? Yep. Yeah. Mhmm.\n\nOkay. Yep. Sorry. That's Sorry. That's absolutely fine.\n\nYeah. Absolutely fine. So I'll just note that that is if you refinance down the track, that's a possibility, but we'll work on the 8.3 8.64% for the loan because that's what you sort of expect it to be currently doing. If anything changes over the next couple of weeks, please just let me know while I'm going to the research component. If I find there's anything additional I need to kinda confirm, I'll make sure I email or touch base there for you as well.\n\nBeautiful. That looks really good. Now with the Parkdale property, is there any looking kinda at management fees, rates, and things like that, do you have any kinda estimate on how much those costs are expected to be once the property is all handed over. That's okay. You're absolutely fine.\n\n6% management fee. So once handed over. Fantastic. An estimate on kind of rates and water and things like that, do you know roughly what those might cost you? Yep.\n\nYep. Beautiful. Yes. Did you want me just to factor in maybe $500 for, like, pest management and control and things like that? Yep.\n\nPer year for maintenance and pest control. Perfect. Excellent. Beautiful. That's basically everything for the Parkdale loan at the moment, unless there's anything else that you can think of that might be important to kind of note down for the Parkdale property.\n\nAny changes or anything else that's due to change? Or that's okay. Beautiful. Excellent. So the other one is so looking at the Banjo property, I've got your home repairs, management fees, mortgages, your income coming in on a regular basis.\n\nThe income that you've got noted on the budget plan of that, is that before all of your, like, management fees and things like that are accounted for, or is that what you're receiving after all those have been taken to account? Yep. Yep. Beautiful. Yep.\n\n$7.10 in February 2027. Beautiful. Thank you so much. And, honestly, this budget plan is one of the best I've ever seen completed. You've done an amazing job.\n\nThank you so much for that. I looked at them, and I was like, oh my god. This gives me warm, fuzzy feelings. I love all the detail you've got here. You've broken everything down so perfectly.\n\nAll good. Parkdale loan is there currently on how much you're paying per month. With the loan repayments, are they the minimum requirement, or are they just what you're paying, which could be over the minimum based on the interest rate? Yep. Yep.\n\nYep. Beautiful. Excellent. And with the Bunya property, what's the current interest rate on that property? A loan.\n\nSorry. My apologies. Loan. Yep. Sorry.\n\nWhat's the interest rate on the loan? My apologies, Sarah. 6.51%. That's okay. I'll work on that.\n\nAnd if you find it does go up, just let me know because I can very easily just alter that for you. And, yeah, you had here 450 owing on the loan. That's still fairly accurate for the Banya property? Yep. Beautiful.\n\nI've got income and everything there. Excellent. 6.51%. And that's interest only as well. Excellent.\n\nAnd with the Craneborn property, your main primary residence, how what's your interest rate on that one currently on the loan? Yeah. I can factor in as a a full rate rise into the percent if you like, and that we can kind of work on that for you. That way, we're factoring in the potential rate rise, which I'm assuming most banks are gonna take on board anyway. 5.94.\n\nBeautiful. And we'll add the interest rate increase there as well. Just because if I was a bank, I would definitely take that rate rise and run with it. Just make as much money as possible, really, isn't it? All all good.\n\nBeautiful. That looks like mostly everything there. Now just kind of with the goal side of things, we're looking at what to do over the next like, what's expected over the next five years, looking at, obviously, income paying the mortgage down and what that looks like over the next sort of five years, but also looking at the capital growth. So the growth that the properties have seen over the past couple of years and estimating that over the next few years to sort of show you, a, what the loans are expected to look like, what the growth is expecting to look like on each of the properties, and giving you your growth and net overall financial situation. Am I right in suggesting like, in saying that's kind of what you're after, or is there anything different?\n\nHave I got any of that wrong? Yep. Beautiful. Yeah. Absolutely.\n\nPerfect. And when with these properties that are obviously interest only for a certain time frame with the Park sale property. How long is that gonna be interest only for after the property is built? Yep. You're doing the four five.\n\nYep. Yep. Yep. Beautiful. And are you planning on sort of building up putting any additional money into the offset accounts to kind of build up the offset account so that when that comes up interest only, you owe less money on the over, sorry, on the overall loan when it kinda reverse the principal and interest, or you're just kinda happy paying the minimum and keeping that excess, the 100,000, sitting in the offset?\n\nWhat's your sort of plan with the offset and the excess money? Yeah. Yeah. Yep. Yeah.\n\nYeah. Absolutely. So keep keep paying down the PTR as much as possible and offset. Lovely. So focus mostly on paying down the nontax deductible loan, keeping the other two loans as they are.\n\nYou'll keep a bit of a buffer in the offset accounts if needed, but just making sure that you can, you know, maximize your tax deductions with the interest repayments and things like that. Is that sort of what you're after? Yeah. Beautiful. Excellent.\n\nOverall. So I'll look at overall capital growth expectation around each of the properties, focus on maybe mortgage repayments to sort of show you that as well over the next sort of five years based on current loan rates. And I'll factor in the increase of the full rate rise just so we're you know, if they don't pass on the full rate rise, it works out better for you, but more than likely, they are gonna pass on the full rate rise. If you find out over the next couple of weeks that you that there are that they're not passing on the full rate rise, if you can let me know, that'd be great just so I can make sure I'm working on the most up to date information for the loan repayments as much as possible. Excellent.\n\nBeautiful. And then with your super, are you just wanting this advice to sort of focus around the properties and what that looks like over the next five years, or are you wanting to sort of look at, you know, increasing contributions to super? I know with your budget planners, there's not really a a lot of extra cash flow at the moment. Are you just sort of wanting to look at the the properties over the next five years, or did you want me to sort of factor in the super outlook and look at everything as a whole? What would you like?\n\nMhmm. Yep. Yeah. No. That's okay.\n\nIt does look like with your budget plan, because you're sitting in the negative expectation wise at the moment, I'd be really, you know, not wanting to increase your contributions in, but I can sort of factor in, like, work on the properties as a whole for this advice document for you and look at the growth over the next sort of five years to give you an idea of what this looks like. But then, also, just when we look at the total in the next five years, factor in the projected outcome with your super as well and just go look as a whole, including your super, which will be limited. I'm not making any changes to super right now because it is actually working really well. But just looking at, you know, your net and gross financial position, taking to account what your super should look like in that time frame as well. Does that sound appropriate?\n\nAre you comfortable with that? Is there any additional questions there at all? That sounds great. Excellent. And just sort of looking at long term goals, you sort of may mention you're not really sure if you wanna sell or keep the property.\n\nSo but for the next five years, you kind of expect to keep them, you know, options to sell maybe down the track a little bit further. Is that right, or am I wrong in any of that? That's right. Beautiful. Yep.\n\nBeautiful. Lovely. Excellent. Is there anything else wise that you would like me to sort of factor into this for you at all? Is there anything I may have missed that you might want me to consider for you as well?\n\nOr That's okay. Yeah. Absolutely. The only other thing so the way this will sort of work because you're our current client, Yanni, is not quite yet. What I'll do is I'll make this advice to yourself.\n\nIt'll be for you, but it will, because this property is partly in his name, also have an effect on him. So I'll make sure I note that within the advice document for him, but it will essentially be directed to yourself. Is that okay? Yep. Beautiful.\n\nAnd the effect there. If Yanni has any questions at any point, you're welcome to let me know. It's not a problem at all. The only other thing I was sort of looking at this morning that might be a really good option, I was gonna email you, but I thought, look. I'm gonna talk to you anyway.\n\nHave you done your tax return for last financial year at all? Beautiful. Are you able to send me a copy of the assessment notice, for yourself and for Yani just so I can break down, what they have in there, under the deduction side of things for you as well. Beautiful. Excellent.\n\nThank you so much for that. I really look forward to putting this together. I really enjoy this kind of advice, so it's gonna be a lot of fun to put together. I do estimate, research wise, it should take me about sort of five to six weeks to put together. So what I would like to do now is just rebook you in to go to the presentation in that time frame.\n\nIf I find I have any additional questions or need any additional information for the research as I'm going through it, I'll come back and email you or give you a call just to kind of, you know, add anything extra in. And then if I find I get to that point I'm still not quite ready, I'll let you know, and we'll reschedule at that. But I estimate five to six weeks should be absolutely fine for that. Is that okay with you? Yep.\n\nBeautiful. No. I'm I'm gonna book it in now for you so you've got a a date there ready to go. So we're sitting at the end of September now. So one, two, three, four, five, six.\n\nThat brings us up to the the week of the November 9. What day or time generally suits you best? Beautiful. What if we do is afternoon suitable or morning? What's better?\n\nYeah. What time afternoon wise? I've got three, four, five, or six available. You it's all up to your pick. 04:30?\n\nYep. Beautiful. Excellent. So I'll pop that in there at 04:30 on Monday, November 9. I'll get stuck into the research here for you as well.\n\nIf you think of anything that I may have missed or you needed, please let me know. Happy to make time to come back and chat or via email, whatever your preference is. I think I've got everything I need here. I'll go back and start the research component. And if I can just get a copy of each of your tax tax return summary, that would be fantastic.\n\nJust noting all the deductions that your accountant sort of claims there for you. And, yeah, I look forward to putting this together. As I kinda mentioned, because this has been in progress for a long time, there's no additional cost to this advice. It's all essentially complimentary or free to yourself. Moving forward, our our fee structure has kinda changed a bit.\n\nSo moving forward, they do charge about 2,200 for this kind of advice outside of Super, but I'm doing it all a 100% complimentary for you this time around. And then down the track, we can always talk about how that looks down the track for you. Is that okay? Beautiful. No.\n\nThat's okay. I made sure to honor everything. I was like, no. No. Yes.\n\nWe've been talking about this for months. It's something you've been after, and we never used to charge for advice outside of super. Things have kinda just changed with the way the fee structure works, and we've had to sort of start charging for advice outside because there is a lot more of it required. A lot you know, people need a little bit more assistance in the cost of advice, and the cost of everything has definitely gone up. The cost of living and running a business has definitely gone up.\n\nSo that's why that has essentially changed there. But moving forward, if you ever you know, what I try to do personally is whether it's complimentary, if I can do it complimentary, I will always try to do it for you. If this is general advice, that is also free, and it's it's down the track when we get, you know, past this advice piece. If you want something else down the track, we can always look at that. And I can always go into that and speak to our head of advice and sort of come up with some sort of, you know, maybe a reduction in fee or cost or something for you as well.\n\nSo I'll always try to help you out as much as possible. For me, it's not about the fee. For me, it's about helping you and doing the advice. But I just like to make sure that you're essentially aware of everything and across the information to make sure I'm upfront and honest there with you as well. Okay.\n\nEasy. That's okay. Do you have any questions for me or anything else that you think I might need to maybe look at for you? Or is there anything you need me to do as well or other than this, separate to this? Mhmm.\n\nBeautiful. Yeah. Absolutely. Yeah. I'll take into account the full rate rise just so we are sort of factoring in known changes because I think it'll be pretty interesting if any of the banks don't don't pass on the full rate rise to clients.\n\nI know I would if I was a bank, so most of us probably would. Yeah. No. Excellent. Thank you so much for your time this morning, Sarah.\n\nI really appreciate it. I'm looking forward to putting this together for you. And, again, if there's anything you need, please let me know. I'm more than happy to help. Thanks.\n\nEnjoy your week. Enjoy your weekend. Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Sarah.","start":2.8799999,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.07715995237231255},{"text":"Hi, Sarah.","start":3.9199998,"end":4.64,"sentiment":"neutral","sentiment_score":0.11669390648603438},{"text":"It's Dana from Oakley.","start":4.64,"end":5.68,"sentiment":"neutral","sentiment_score":0.1295093297958374},{"text":"How are you?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.13974489271640778},{"text":"I'm very well.","start":8.16,"end":9.28,"sentiment":"positive","sentiment_score":0.4819504717985789}],"sentiment":"neutral","sentiment_score":0.19791650931750024,"num_words":14,"start":2.8799999,"end":9.28},{"sentences":[{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.5884856283664703},{"text":"Thanks for asking.","start":9.679999,"end":10.66,"sentiment":"positive","sentiment_score":0.5697861313819885},{"text":"I is now still a good time to go through things with you?","start":11.28,"end":14.385,"sentiment":"positive","sentiment_score":0.3371829894872812},{"text":"Fantastic.","start":16.305,"end":16.805,"sentiment":"positive","sentiment_score":0.6355836987495422},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":17.345001,"end":21.265,"sentiment":"neutral","sentiment_score":0.24288392066955566}],"sentiment":"neutral","sentiment_score":0.32514636367559435,"num_words":40,"start":9.28,"end":21.265},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":21.265,"end":23.285,"sentiment":"neutral","sentiment_score":0.23106235762437186},{"text":"Fantastic.","start":25.025,"end":25.525,"sentiment":"positive","sentiment_score":0.6448822021484375},{"text":"And just to do a quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you.","start":26.225,"end":34.94,"sentiment":"neutral","sentiment_score":0.2340823152945155},{"text":"Beautiful.","start":42.76,"end":43.16,"sentiment":"positive","sentiment_score":0.5063650608062744},{"text":"Thank you so much for that.","start":43.16,"end":44.715,"sentiment":"positive","sentiment_score":0.5969557364781698}],"sentiment":"neutral","sentiment_score":0.282101697335809,"num_words":59,"start":21.265,"end":44.715},{"sentences":[{"text":"Perfect.","start":45.435,"end":45.835,"sentiment":"positive","sentiment_score":0.592442512512207},{"text":"So thank you for sending everything through.","start":45.835,"end":47.835,"sentiment":"positive","sentiment_score":0.4790429558072771},{"text":"How's your week been so far?","start":47.835,"end":49.535,"sentiment":"neutral","sentiment_score":0.16983158141374588},{"text":"Yeah.","start":53.835,"end":54.335,"sentiment":"neutral","sentiment_score":-0.023936616256833076},{"text":"I have.","start":54.875,"end":55.515,"sentiment":"neutral","sentiment_score":-0.019832871854305267}],"sentiment":"neutral","sentiment_score":0.2883017842164811,"num_words":17,"start":45.435,"end":55.515},{"sentences":[{"text":"Yes.","start":55.515,"end":55.915,"sentiment":"neutral","sentiment_score":0.07647448778152466},{"text":"I did take two weeks off to have a little bit of a break.","start":55.915,"end":58.635002,"sentiment":"neutral","sentiment_score":0.07323311136237212},{"text":"I hadn't had a holiday this year.","start":58.635002,"end":60.155,"sentiment":"neutral","sentiment_score":0.057357938694102426},{"text":"So just to take a bit of a break with my son, but it was nice and back into it and busy as ever.","start":60.155,"end":65.94,"sentiment":"neutral","sentiment_score":0.29158750114341575},{"text":"Love it.","start":65.94,"end":66.76,"sentiment":"positive","sentiment_score":0.4372040033340454}],"sentiment":"neutral","sentiment_score":0.19532815941299,"num_words":48,"start":55.515,"end":66.76},{"sentences":[{"text":"Yeah.","start":69.62,"end":70.12,"sentiment":"neutral","sentiment_score":0.09601443260908128},{"text":"Yeah.","start":70.18,"end":70.68,"sentiment":"neutral","sentiment_score":0.09847979247570038},{"text":"Well, let's just jump into things, and thank you so much for sending everything through.","start":71.3,"end":74.9,"sentiment":"neutral","sentiment_score":0.24801172216733297},{"text":"I've kinda gone through and correlated as much as I possibly can and put it into one area to kinda give me an idea on where things are tracking there.","start":74.9,"end":82.625,"sentiment":"neutral","sentiment_score":0.14741660431027412},{"text":"So just sort of starting from with the property side of things, you've sold the Victorian property, the Craneborn property held in Yanni's name.","start":82.925,"end":93.45,"sentiment":"neutral","sentiment_score":0.045694769748176135}],"sentiment":"neutral","sentiment_score":0.1328710233923835,"num_words":71,"start":69.62,"end":93.45},{"sentences":[{"text":"That's all being sold.","start":93.45,"end":94.49,"sentiment":"neutral","sentiment_score":0.030596913769841194},{"text":"Is that right?","start":94.49,"end":95.31,"sentiment":"neutral","sentiment_score":0.043527202059825264},{"text":"Oh, perfect.","start":100.01,"end":100.65,"sentiment":"neutral","sentiment_score":0.06864400953054428},{"text":"So sorry.","start":100.65,"end":101.05,"sentiment":"neutral","sentiment_score":-0.007116600405424832},{"text":"It's quiet property.","start":101.05,"end":101.93,"sentiment":"neutral","sentiment_score":-0.019751726649701595}],"sentiment":"neutral","sentiment_score":0.02262634996856962,"num_words":14,"start":93.45,"end":101.93},{"sentences":[{"text":"No.","start":101.93,"end":102.17,"sentiment":"neutral","sentiment_score":-0.0382145456969738},{"text":"Craneborn.","start":102.17,"end":102.65,"sentiment":"neutral","sentiment_score":-0.03708955645561218},{"text":"My apologies.","start":102.65,"end":103.31,"sentiment":"neutral","sentiment_score":-0.08472315222024918},{"text":"Quiet Property.","start":105.055,"end":105.875,"sentiment":"neutral","sentiment_score":0.08135596662759781},{"text":"Excellent.","start":105.935005,"end":106.435005,"sentiment":"positive","sentiment_score":0.381374716758728}],"sentiment":"neutral","sentiment_score":0.04276232048869133,"num_words":7,"start":101.93,"end":106.435005},{"sentences":[{"text":"Beautiful.","start":106.575005,"end":107.075005,"sentiment":"positive","sentiment_score":0.3695107400417328},{"text":"And from your email there, you had proceeds left over of 217,000.","start":107.935005,"end":112.975,"sentiment":"neutral","sentiment_score":0.14381243040164313},{"text":"Is that right?","start":112.975,"end":113.875,"sentiment":"neutral","sentiment_score":0.10828730463981628},{"text":"Beautiful.","start":116.575005,"end":116.975,"sentiment":"positive","sentiment_score":0.6754943132400513},{"text":"And that's that's after you've paid all the extra fees for the settlement costs and paid the loan back?","start":116.975,"end":123.420006,"sentiment":"neutral","sentiment_score":0.10345524765158955}],"sentiment":"neutral","sentiment_score":0.14059071770558754,"num_words":36,"start":106.575005,"end":123.420006},{"sentences":[{"text":"Yeah.","start":125.0,"end":125.5,"sentiment":"neutral","sentiment_score":0.23385420441627505},{"text":"Beautiful.","start":125.560005,"end":126.060005,"sentiment":"positive","sentiment_score":0.4784720540046692},{"text":"And you mentioned here that you've also that that money sitting in between Yanni's offset account and his savings account.","start":127.08,"end":134.055,"sentiment":"neutral","sentiment_score":0.0833323335275054},{"text":"Is that right?","start":134.055,"end":134.955,"sentiment":"neutral","sentiment_score":0.05455704778432846},{"text":"Yep.","start":136.53499,"end":137.015,"sentiment":"neutral","sentiment_score":0.20332905650138855}],"sentiment":"neutral","sentiment_score":0.10561435110867023,"num_words":26,"start":125.0,"end":137.015},{"sentences":[{"text":"Beautiful.","start":137.015,"end":137.515,"sentiment":"positive","sentiment_score":0.49019062519073486},{"text":"And savings.","start":139.095,"end":139.995,"sentiment":"neutral","sentiment_score":0.25711676478385925},{"text":"Excellent.","start":140.69499,"end":141.19499,"sentiment":"positive","sentiment_score":0.4286133944988251},{"text":"And there was also a mention of a inheritance of a 100,000.","start":143.45,"end":148.67,"sentiment":"neutral","sentiment_score":0.09370752330869436},{"text":"Have you received that as well?","start":148.81,"end":150.67,"sentiment":"neutral","sentiment_score":0.06188466461996237}],"sentiment":"neutral","sentiment_score":0.13312890075824477,"num_words":22,"start":137.015,"end":150.67},{"sentences":[{"text":"Beautiful.","start":153.865,"end":154.185,"sentiment":"neutral","sentiment_score":0.23934617638587952},{"text":"And where is that located at the moment, that 100,000?","start":154.185,"end":157.245,"sentiment":"neutral","sentiment_score":0.02722173137590289},{"text":"Okay.","start":160.905,"end":161.405,"sentiment":"neutral","sentiment_score":-0.008152631111443043},{"text":"Yep.","start":176.51,"end":177.01,"sentiment":"neutral","sentiment_score":-0.01847388595342636},{"text":"Okay.","start":182.145,"end":182.625,"sentiment":"neutral","sentiment_score":-0.021518947556614876}],"sentiment":"neutral","sentiment_score":0.03310128753738744,"num_words":14,"start":153.865,"end":182.625},{"sentences":[{"text":"No worries.","start":182.625,"end":183.185,"sentiment":"neutral","sentiment_score":-0.03888759762048721},{"text":"So not not worrying about that 100,000.","start":183.185,"end":185.58499,"sentiment":"neutral","sentiment_score":-0.08760649444801467},{"text":"That's all basically used up, essentially.","start":185.58499,"end":188.485,"sentiment":"neutral","sentiment_score":-0.0682837925851345},{"text":"Yep.","start":190.225,"end":190.705,"sentiment":"neutral","sentiment_score":0.11632096767425536},{"text":"Beautiful.","start":190.705,"end":191.205,"sentiment":"positive","sentiment_score":0.35176360607147217}],"sentiment":"neutral","sentiment_score":-0.0372140493024798,"num_words":17,"start":182.625,"end":191.205},{"sentences":[{"text":"So not to worry about 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going?","start":199.23,"end":202.69,"sentiment":"neutral","sentiment_score":0.03575670134953477}],"sentiment":"neutral","sentiment_score":0.09025752861634828,"num_words":32,"start":191.58499,"end":202.69},{"sentences":[{"text":"Yep.","start":205.55,"end":206.05,"sentiment":"neutral","sentiment_score":0.0330011323094368},{"text":"Mhmm.","start":216.765,"end":217.265,"sentiment":"neutral","sentiment_score":-0.02999071963131428},{"text":"Yeah.","start":225.02,"end":225.52,"sentiment":"neutral","sentiment_score":0.03641124069690704},{"text":"Okay.","start":233.26,"end":233.76,"sentiment":"neutral","sentiment_score":0.05507759004831314},{"text":"Okay.","start":244.79501,"end":245.29501,"sentiment":"neutral","sentiment_score":0.012683184817433356}],"sentiment":"neutral","sentiment_score":0.02143648564815521,"num_words":5,"start":205.55,"end":245.29501},{"sentences":[{"text":"Yep.","start":245.675,"end":246.0,"sentiment":"neutral","sentiment_score":0.01943579688668251},{"text":"Yeah.","start":252.24,"end":252.74,"sentiment":"neutral","sentiment_score":0.03878083825111389},{"text":"Absolutely.","start":252.8,"end":253.3,"sentiment":"neutral","sentiment_score":0.04107975959777832},{"text":"Any issues?","start":253.76,"end":254.58,"sentiment":"neutral","sentiment_score":0.02610170468688011},{"text":"Fantastic.","start":254.8,"end":255.3,"sentiment":"positive","sentiment_score":0.4102291762828827}],"sentiment":"neutral","sentiment_score":0.09362149673203628,"num_words":6,"start":245.675,"end":255.3},{"sentences":[{"text":"Excellent.","start":255.68,"end":256.18,"sentiment":"neutral","sentiment_score":0.2742615342140198},{"text":"And just kinda going through now, I know there has been some changes to interest rate to the cash rate again, which could obviously affect interest rates with the banks.","start":256.4,"end":264.615,"sentiment":"neutral","sentiment_score":-0.03448276637742917},{"text":"Thinking about the loan now with because this is the Parkdale property.","start":267.395,"end":271.415,"sentiment":"neutral","sentiment_score":0.00856014977519711},{"text":"Can I get the full address for this property of you?","start":271.555,"end":274.31,"sentiment":"neutral","sentiment_score":0.00879545429382812},{"text":"Yep.","start":275.73,"end":276.23,"sentiment":"neutral","sentiment_score":0.0015607886016368866}],"sentiment":"neutral","sentiment_score":-0.010167070435868068,"num_words":55,"start":255.68,"end":276.23},{"sentences":[{"text":"Sorry.","start":277.57,"end":277.97,"sentiment":"neutral","sentiment_score":-0.02009202539920807},{"text":"What was 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just started going through things now, the land loan you currently owe, 338,000, is that still fairly correct?","start":296.645,"end":304.99002,"sentiment":"neutral","sentiment_score":0.05016036331653595},{"text":"$2.90 6?","start":308.97,"end":310.11002,"sentiment":"neutral","sentiment_score":0.008558004163205624},{"text":"Yep.","start":310.73,"end":311.13,"sentiment":"neutral","sentiment_score":0.0540405809879303},{"text":"That's okay.","start":311.13,"end":311.87,"sentiment":"neutral","sentiment_score":0.20148837566375732}],"sentiment":"neutral","sentiment_score":0.0825188236683607,"num_words":25,"start":295.845,"end":311.87},{"sentences":[{"text":"Easy.","start":311.93,"end":312.43,"sentiment":"neutral","sentiment_score":0.2059505581855774},{"text":"And then I've got the construction loan being about 417,000.","start":312.865,"end":316.865,"sentiment":"neutral","sentiment_score":0.03260646015405655},{"text":"Is that 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looking at 417,000.","start":332.83002,"end":337.25,"sentiment":"neutral","sentiment_score":0.029666529735550284}],"sentiment":"neutral","sentiment_score":0.12245657524714867,"num_words":30,"start":324.54498,"end":337.25},{"sentences":[{"text":"So we're looking at about 713,000 total lending at the end of everything.","start":337.31,"end":343.39502,"sentiment":"neutral","sentiment_score":0.049988038264788114},{"text":"Is that right?","start":343.39502,"end":344.035,"sentiment":"neutral","sentiment_score":0.054377773155768715},{"text":"That's how much the loan should be once it's all constructed?","start":344.035,"end":346.535,"sentiment":"neutral","sentiment_score":0.04125679758462039},{"text":"That's all going well?","start":348.035,"end":349.33502,"sentiment":"neutral","sentiment_score":0.22240599244832993},{"text":"Yep.","start":352.61,"end":352.85,"sentiment":"neutral","sentiment_score":0.09509088844060898}],"sentiment":"neutral","sentiment_score":0.07035992026794702,"num_words":32,"start":337.31,"end":352.85},{"sentences":[{"text":"That's okay.","start":352.85,"end":353.49,"sentiment":"neutral","sentiment_score":0.28120721876621246},{"text":"Beautiful.","start":353.49,"end":353.99,"sentiment":"positive","sentiment_score":0.5242658853530884},{"text":"And then under here, I've also got potential reduced debt scenario of 655,000.","start":354.29,"end":359.67,"sentiment":"neutral","sentiment_score":0.11182742279309493},{"text":"What was the difference in that?","start":360.21,"end":361.49,"sentiment":"neutral","sentiment_score":-0.027493940355877083},{"text":"Is that sort of adding some additional funds in there or because it was an extra 100,000.","start":361.49,"end":366.07,"sentiment":"neutral","sentiment_score":-0.019624891307424095}],"sentiment":"neutral","sentiment_score":0.05235512884190449,"num_words":39,"start":352.85,"end":366.07},{"sentences":[{"text":"Mhmm.","start":377.465,"end":377.785,"sentiment":"neutral","sentiment_score":0.002017576713114977},{"text":"Okay.","start":377.785,"end":378.265,"sentiment":"neutral","sentiment_score":0.08335396647453308},{"text":"Beautiful.","start":378.265,"end":378.765,"sentiment":"neutral","sentiment_score":0.19661633670330048},{"text":"So that's yep.","start":379.065,"end":385.59,"sentiment":"neutral","sentiment_score":-0.03141597596307596},{"text":"Yeah.","start":389.25,"end":389.57,"sentiment":"neutral","sentiment_score":0.08583452552556992}],"sentiment":"neutral","sentiment_score":0.03908206821818437,"num_words":7,"start":377.465,"end":389.57},{"sentences":[{"text":"That's absolutely fine.","start":389.57,"end":390.77,"sentiment":"neutral","sentiment_score":0.27697505553563434},{"text":"And what's kind of the ETA on handover?","start":390.77,"end":393.11,"sentiment":"neutral","sentiment_score":-0.014664169983007014},{"text":"Have they given you a time frame in where the property should be fully built and handed over to you and the loan fully ready to be paid down, all all inclusive?","start":393.16998,"end":402.845,"sentiment":"neutral","sentiment_score":0.06121413561049849},{"text":"Nine months.","start":407.545,"end":408.33,"sentiment":"neutral","sentiment_score":0.009088756516575813},{"text":"Beautiful.","start":408.88998,"end":409.38998,"sentiment":"positive","sentiment_score":0.5511234998703003}],"sentiment":"neutral","sentiment_score":0.07047315563439675,"num_words":46,"start":389.57,"end":409.38998},{"sentences":[{"text":"Yep.","start":416.88998,"end":417.38998,"sentiment":"neutral","sentiment_score":0.11274904012680054},{"text":"Perfect.","start":417.77,"end":418.27,"sentiment":"positive","sentiment_score":0.4846966862678528},{"text":"November.","start":418.56998,"end":419.06998,"sentiment":"neutral","sentiment_score":0.23683157563209536},{"text":"And then nine months for build and then handover.","start":419.61,"end":422.43,"sentiment":"neutral","sentiment_score":0.10702473711636332},{"text":"Beautiful.","start":423.565,"end":424.065,"sentiment":"positive","sentiment_score":0.562152624130249}],"sentiment":"neutral","sentiment_score":0.18151173540032828,"num_words":13,"start":416.88998,"end":424.065},{"sentences":[{"text":"And I'll just put here total loan expected 713,000, 100,000 to be held in the offset account.","start":424.285,"end":431.98502,"sentiment":"neutral","sentiment_score":0.19028116499676423},{"text":"So that will did you want me to factor in the offset account having the set account having the 100,000 into the projected outcome for you or just maybe work on the full loan balance?","start":433.005,"end":442.84,"sentiment":"neutral","sentiment_score":0.12010010523455483},{"text":"Yeah.","start":451.495,"end":451.975,"sentiment":"neutral","sentiment_score":0.029890842735767365},{"text":"Yeah.","start":451.975,"end":452.475,"sentiment":"neutral","sentiment_score":0.04056273773312569},{"text":"Yeah.","start":456.055,"end":456.555,"sentiment":"neutral","sentiment_score":0.12584462761878967}],"sentiment":"neutral","sentiment_score":0.1388105762953108,"num_words":55,"start":424.285,"end":456.555},{"sentences":[{"text":"Yep.","start":468.9,"end":469.4,"sentiment":"neutral","sentiment_score":0.04709436744451523},{"text":"Okay.","start":487.79498,"end":488.275,"sentiment":"neutral","sentiment_score":0.13706740736961365},{"text":"Beautiful.","start":488.275,"end":488.775,"sentiment":"neutral","sentiment_score":0.33025142550468445},{"text":"67,500.","start":489.155,"end":491.175,"sentiment":"neutral","sentiment_score":0.11217017471790314},{"text":"And are those in the current offsets for the two investment properties that you each own currently?","start":491.22,"end":495.64,"sentiment":"neutral","sentiment_score":0.017871272421496755}],"sentiment":"neutral","sentiment_score":0.04430452410486482,"num_words":21,"start":468.9,"end":495.64},{"sentences":[{"text":"DVR offset.","start":507.235,"end":508.19498,"sentiment":"neutral","sentiment_score":-0.046428658068180084},{"text":"Yep.","start":508.19498,"end":508.69498,"sentiment":"neutral","sentiment_score":-0.003704971401020885},{"text":"High interest saver.","start":514.115,"end":515.4,"sentiment":"neutral","sentiment_score":-0.05522426466147105},{"text":"Okay.","start":524.68005,"end":525.0,"sentiment":"neutral","sentiment_score":-0.027771074324846268},{"text":"No.","start":525.0,"end":525.16003,"sentiment":"neutral","sentiment_score":-0.06927395612001419}],"sentiment":"neutral","sentiment_score":-0.04491001399583183,"num_words":8,"start":507.235,"end":525.16003},{"sentences":[{"text":"That's alright.","start":525.16003,"end":525.72003,"sentiment":"neutral","sentiment_score":-0.032872206531465054},{"text":"Just because I'm having a look.","start":525.72003,"end":527.32,"sentiment":"neutral","sentiment_score":-0.0010913472312192123},{"text":"So with the budget plan as I got through, I've got the Banya House, which is the Victorian property.","start":527.32,"end":534.555,"sentiment":"neutral","sentiment_score":-0.01359148637244576},{"text":"And is that the one Banya is a Queensland property.","start":534.555,"end":542.795,"sentiment":"neutral","sentiment_score":-0.0144369600340724},{"text":"Beautiful.","start":542.795,"end":543.295,"sentiment":"neutral","sentiment_score":0.001977556850761175}],"sentiment":"neutral","sentiment_score":-0.012445336342544147,"num_words":38,"start":525.16003,"end":543.295},{"sentences":[{"text":"And then I've also got here Clyde, which is sorry.","start":543.435,"end":547.87,"sentiment":"neutral","sentiment_score":-0.014108141232281924},{"text":"I just sent it.","start":547.87,"end":548.97,"sentiment":"neutral","sentiment_score":-0.014502701116725802},{"text":"Well, I so Clyde was the one that was sold.","start":550.63,"end":553.19,"sentiment":"neutral","sentiment_score":-0.0002452009677654136},{"text":"Beautiful.","start":553.19,"end":553.69,"sentiment":"positive","sentiment_score":0.47868186235427856},{"text":"Beautiful.","start":555.19,"end":555.69,"sentiment":"positive","sentiment_score":0.6075248718261719}],"sentiment":"neutral","sentiment_score":0.03402548106588746,"num_words":26,"start":543.435,"end":555.69},{"sentences":[{"text":"Excellent.","start":558.14996,"end":558.64996,"sentiment":"positive","sentiment_score":0.6546224355697632},{"text":"Lovely.","start":559.305,"end":559.545,"sentiment":"positive","sentiment_score":0.5691965222358704},{"text":"Just because with the budget plan, it's got, like, the Clive mortgage, Clive interest rates, and things like that.","start":559.545,"end":564.585,"sentiment":"neutral","sentiment_score":0.034932369905474936},{"text":"So is that kind of no longer needed?","start":564.585,"end":568.925,"sentiment":"neutral","sentiment_score":-0.041324160469230264},{"text":"That's okay.","start":573.13,"end":573.87006,"sentiment":"neutral","sentiment_score":-0.008872895035892725}],"sentiment":"neutral","sentiment_score":0.049651448780129996,"num_words":31,"start":558.14996,"end":573.87006},{"sentences":[{"text":"You're absolutely fine.","start":574.09,"end":575.55005,"sentiment":"neutral","sentiment_score":0.12171139816443126},{"text":"This one has July 20 I've got Yanni's July 2026 completed, and I've got your July 2026 completed budget planners.","start":585.29004,"end":593.415,"sentiment":"neutral","sentiment_score":0.00607827000785619},{"text":"Let me double check and see.","start":598.995,"end":603.18,"sentiment":"neutral","sentiment_score":-0.023094128196438152},{"text":"No.","start":603.18,"end":603.42,"sentiment":"neutral","sentiment_score":-0.12872642278671265},{"text":"That's okay.","start":603.42,"end":604.22003,"sentiment":"neutral","sentiment_score":-0.12420934811234474}],"sentiment":"neutral","sentiment_score":-0.0009065716731129219,"num_words":32,"start":574.09,"end":604.22003},{"sentences":[{"text":"I've also could have just opened up the wrong budget planners.","start":604.22003,"end":607.68,"sentiment":"neutral","sentiment_score":-0.16707604988054794},{"text":"There.","start":616.265,"end":616.505,"sentiment":"neutral","sentiment_score":-0.027998697012662888},{"text":"That's okay.","start":616.505,"end":617.325,"sentiment":"neutral","sentiment_score":-0.012980105355381966},{"text":"That's okay.","start":617.945,"end":618.845,"sentiment":"neutral","sentiment_score":0.001919611037010327},{"text":"I'll just open up oh, it's still attached to the email.","start":618.90497,"end":622.58496,"sentiment":"neutral","sentiment_score":-0.015334242446856066}],"sentiment":"neutral","sentiment_score":-0.07617158893521668,"num_words":27,"start":604.22003,"end":622.58496},{"sentences":[{"text":"He hasn't downloaded properly.","start":622.58496,"end":623.785,"sentiment":"neutral","sentiment_score":-0.036792703438550234},{"text":"Beautiful.","start":623.785,"end":624.265,"sentiment":"neutral","sentiment_score":0.23115649819374084},{"text":"Got them here.","start":624.265,"end":624.745,"sentiment":"neutral","sentiment_score":0.0874685322244962},{"text":"Excellent.","start":624.745,"end":625.245,"sentiment":"neutral","sentiment_score":0.15940815210342407},{"text":"So this is the September one.","start":625.305,"end":627.74,"sentiment":"neutral","sentiment_score":0.02486024610698223}],"sentiment":"neutral","sentiment_score":0.043664060657223065,"num_words":15,"start":622.58496,"end":627.74},{"sentences":[{"text":"My apologies.","start":627.74,"end":628.39996,"sentiment":"neutral","sentiment_score":-0.08585288003087044},{"text":"I was opening up everything, and I just pulled the wrong ones up.","start":628.45996,"end":631.68,"sentiment":"neutral","sentiment_score":-0.0955364119548064},{"text":"So it's all good.","start":632.06,"end":635.25995,"sentiment":"positive","sentiment_score":0.3580929860472679},{"text":"You've actually done a really great job sending everything through.","start":635.25995,"end":638.3,"sentiment":"positive","sentiment_score":0.6813488006591797},{"text":"It gives me a really good kind of view of where everything is up to and what you've got.","start":638.3,"end":642.83496,"sentiment":"positive","sentiment_score":0.5847259948128148}],"sentiment":"positive","sentiment_score":0.37379114034896094,"num_words":48,"start":627.74,"end":642.83496},{"sentences":[{"text":"Just there we go.","start":644.095,"end":646.815,"sentiment":"neutral","sentiment_score":0.12985000759363174},{"text":"And I'll move this one over here.","start":646.815,"end":648.675,"sentiment":"neutral","sentiment_score":0.08540614268609456},{"text":"Beautiful.","start":652.33496,"end":652.83496,"sentiment":"positive","sentiment_score":0.361287534236908},{"text":"Yeah.","start":666.99,"end":667.49,"sentiment":"neutral","sentiment_score":0.004280434921383858},{"text":"You've definitely had a lot going on.","start":669.735,"end":671.175,"sentiment":"neutral","sentiment_score":0.12030871638229915}],"sentiment":"neutral","sentiment_score":0.11624860065057874,"num_words":20,"start":644.095,"end":671.175},{"sentences":[{"text":"That's for sure.","start":671.175,"end":671.97504,"sentiment":"neutral","sentiment_score":0.019860619989534218},{"text":"They had a busy few months.","start":671.97504,"end":673.515,"sentiment":"neutral","sentiment_score":-0.046630630269646645},{"text":"Oh, good.","start":678.53503,"end":679.09503,"sentiment":"neutral","sentiment_score":0.13268453627824783},{"text":"Alright.","start":679.09503,"end":679.575,"sentiment":"neutral","sentiment_score":-0.0003899743314832449},{"text":"So with the September budget planners here, I've got the Bunya House.","start":679.575,"end":685.29,"sentiment":"neutral","sentiment_score":0.030598570282260578}],"sentiment":"neutral","sentiment_score":0.01716500083178592,"num_words":24,"start":671.175,"end":685.29},{"sentences":[{"text":"I'm sorry.","start":685.29,"end":685.69,"sentiment":"neutral","sentiment_score":-0.001542576588690281},{"text":"Am I saying that that suburb correctly?","start":685.69,"end":687.69,"sentiment":"neutral","sentiment_score":-0.004541595998619284},{"text":"Is it Bunya Bunya?","start":687.69,"end":688.99,"sentiment":"neutral","sentiment_score":0.01100686751306057},{"text":"Yep.","start":689.05,"end":689.55,"sentiment":"neutral","sentiment_score":0.050648294389247894},{"text":"The Bunya House income with the Bunya Home Repairs, we've got the mortgage repayment, which is great, and the Craneborn is your main primary residence still.","start":690.89,"end":702.515,"sentiment":"neutral","sentiment_score":0.2638724623964383}],"sentiment":"neutral","sentiment_score":0.17301208653952926,"num_words":40,"start":685.29,"end":702.515},{"sentences":[{"text":"That's all fine.","start":702.515,"end":703.575,"sentiment":"neutral","sentiment_score":0.26020699242750805},{"text":"I love that.","start":705.395,"end":705.955,"sentiment":"positive","sentiment_score":0.6788019140561422},{"text":"It's got the water rates and all the bits and pieces there.","start":705.955,"end":708.59503,"sentiment":"positive","sentiment_score":0.433929202457269},{"text":"With on your budget planner with the investment property admin fee of $62 annually, is that for the Bania property Bania property?","start":708.59503,"end":717.7,"sentiment":"neutral","sentiment_score":0.08404959755187685},{"text":"The admin fee you pay for that.","start":718.0,"end":719.44,"sentiment":"neutral","sentiment_score":0.045083197099821906}],"sentiment":"neutral","sentiment_score":0.21678405691017497,"num_words":47,"start":702.515,"end":719.44},{"sentences":[{"text":"Yep.","start":719.44,"end":719.92,"sentiment":"neutral","sentiment_score":0.13312965631484985},{"text":"Beautiful.","start":719.92,"end":720.42,"sentiment":"positive","sentiment_score":0.4538216590881348},{"text":"Just making sure I put that.","start":721.36,"end":723.14,"sentiment":"neutral","sentiment_score":0.06899410734574},{"text":"Mhmm.","start":725.76,"end":726.105,"sentiment":"neutral","sentiment_score":0.006618639919906855},{"text":"Yep.","start":734.105,"end":734.605,"sentiment":"neutral","sentiment_score":0.030436694622039795}],"sentiment":"neutral","sentiment_score":0.10379712940193712,"num_words":10,"start":719.44,"end":734.605},{"sentences":[{"text":"Yep.","start":734.665,"end":735.14496,"sentiment":"neutral","sentiment_score":0.08224355429410934},{"text":"Perfect.","start":735.14496,"end":735.64496,"sentiment":"neutral","sentiment_score":0.3228257894515991},{"text":"Alright.","start":737.385,"end":737.885,"sentiment":"neutral","sentiment_score":0.236416757106781},{"text":"Beautiful.","start":738.36,"end":738.86,"sentiment":"positive","sentiment_score":0.43875497579574585},{"text":"And I've got the admin fee there.","start":739.08,"end":741.08,"sentiment":"neutral","sentiment_score":0.20924906645502364}],"sentiment":"neutral","sentiment_score":0.2313622310757637,"num_words":11,"start":734.665,"end":741.08},{"sentences":[{"text":"Fantastic.","start":741.08,"end":741.58,"sentiment":"positive","sentiment_score":0.48278671503067017},{"text":"And the Craneborn has the offset with the extra funds in it.","start":743.24,"end":747.56,"sentiment":"neutral","sentiment_score":0.22824341182907423},{"text":"Beautiful.","start":747.56,"end":748.06,"sentiment":"neutral","sentiment_score":0.32843172550201416},{"text":"Just going through the other things.","start":749.96,"end":751.72,"sentiment":"neutral","sentiment_score":0.018981361916909616},{"text":"So then on Yanni's, I've just got his take home pay currently, which is still from that workers' compensation payment.","start":751.72,"end":758.57495,"sentiment":"neutral","sentiment_score":0.025556365540251137}],"sentiment":"neutral","sentiment_score":0.10437887161970139,"num_words":40,"start":741.08,"end":758.57495},{"sentences":[{"text":"How's that going for him?","start":758.57495,"end":759.69495,"sentiment":"neutral","sentiment_score":0.040255766734480856},{"text":"Is he getting closer to because I know that ends around about November, doesn't it?","start":759.69495,"end":764.355,"sentiment":"neutral","sentiment_score":-0.02750233213106791},{"text":"Yep.","start":772.58997,"end":773.08997,"sentiment":"neutral","sentiment_score":-0.04434385150671005},{"text":"Yep.","start":784.045,"end":784.545,"sentiment":"neutral","sentiment_score":-0.009898469783365726},{"text":"Nice.","start":793.13,"end":793.63,"sentiment":"neutral","sentiment_score":0.06666998565196991}],"sentiment":"neutral","sentiment_score":-0.008644716692683489,"num_words":23,"start":758.57495,"end":793.63},{"sentences":[{"text":"Yeah.","start":793.76996,"end":794.26996,"sentiment":"neutral","sentiment_score":-0.01581721380352974},{"text":"Yeah.","start":802.57,"end":803.07,"sentiment":"neutral","sentiment_score":-0.06371042132377625},{"text":"Yeah.","start":808.57,"end":809.025,"sentiment":"neutral","sentiment_score":-0.07672907412052155},{"text":"Okay.","start":811.185,"end":811.685,"sentiment":"positive","sentiment_score":0.33510929346084595},{"text":"Beautiful.","start":811.745,"end":812.245,"sentiment":"positive","sentiment_score":0.6640133857727051}],"sentiment":"neutral","sentiment_score":0.1685731939971447,"num_words":5,"start":793.76996,"end":812.245},{"sentences":[{"text":"Well, good luck, and, hopefully, it all goes well.","start":812.465,"end":814.30505,"sentiment":"positive","sentiment_score":0.6546005606651306},{"text":"I'll make sure I keep up to date.","start":814.30505,"end":815.825,"sentiment":"positive","sentiment_score":0.35973697528243065},{"text":"And, yeah, hopefully, it all goes well for him.","start":815.825,"end":818.145,"sentiment":"positive","sentiment_score":0.5516997079054514},{"text":"Be good to have something to go to every day and give him a little bit of you know, aside from the study, give him something to get up and go to work and do it.","start":818.145,"end":825.73004,"sentiment":"positive","sentiment_score":0.529765342672666},{"text":"That would make a big difference.","start":825.73004,"end":826.93,"sentiment":"positive","sentiment_score":0.557710071404775}],"sentiment":"positive","sentiment_score":0.5316531027064604,"num_words":68,"start":812.465,"end":826.93},{"sentences":[{"text":"That's for sure.","start":826.93,"end":827.91003,"sentiment":"neutral","sentiment_score":0.30618199706077576},{"text":"Yeah.","start":834.45,"end":834.85004,"sentiment":"neutral","sentiment_score":0.1280742883682251},{"text":"Absolutely.","start":834.85004,"end":835.35004,"sentiment":"neutral","sentiment_score":0.11981860548257828},{"text":"No.","start":835.97003,"end":836.37,"sentiment":"neutral","sentiment_score":0.09508959949016572},{"text":"Perfect.","start":836.37,"end":836.85004,"sentiment":"neutral","sentiment_score":0.2523980736732483}],"sentiment":"neutral","sentiment_score":0.21627522259950638,"num_words":7,"start":826.93,"end":836.85004},{"sentences":[{"text":"That sounds fantastic.","start":836.85004,"end":837.83,"sentiment":"positive","sentiment_score":0.4469371736049652},{"text":"So at the moment, you've got the Craneborn property, which is your main primary residence.","start":838.825,"end":842.605,"sentiment":"neutral","sentiment_score":0.05070415313045184},{"text":"We've got the Banya Home, which is the investment property in your name solely.","start":843.065,"end":847.245,"sentiment":"neutral","sentiment_score":0.037349755210535865},{"text":"The Craneborn property, is that in both names, or is that just in your name?","start":848.665,"end":853.29,"sentiment":"neutral","sentiment_score":0.017119254233936468},{"text":"Just in your name.","start":855.05,"end":856.00995,"sentiment":"neutral","sentiment_score":0.03199168806895614}],"sentiment":"neutral","sentiment_score":0.059000508951059745,"num_words":51,"start":836.85004,"end":856.00995},{"sentences":[{"text":"Beautiful.","start":856.00995,"end":856.50995,"sentiment":"neutral","sentiment_score":0.2536125183105469},{"text":"And then this new property at Parkdale, and that's in joint names, is that owned you know, joint tenants in common or just jointly owned fifty fifty between the two of you?","start":856.64996,"end":866.355,"sentiment":"neutral","sentiment_score":0.0344700391869992},{"text":"Beautiful.","start":869.475,"end":869.975,"sentiment":"positive","sentiment_score":0.3703053593635559},{"text":"Beautiful.","start":870.435,"end":870.935,"sentiment":"positive","sentiment_score":0.4493176341056824},{"text":"Excellent.","start":872.355,"end":872.855,"sentiment":"positive","sentiment_score":0.43233054876327515}],"sentiment":"neutral","sentiment_score":0.07246131429241763,"num_words":36,"start":856.00995,"end":872.855},{"sentences":[{"text":"And just double checking the interest, sir, I've also got here that you expected rental income's between 900 to 1,000 per week once the property is fully built.","start":873.875,"end":882.9,"sentiment":"neutral","sentiment_score":0.12280223066253322},{"text":"Do you feel that that's still fairly appropriate?","start":882.9,"end":885.08,"sentiment":"neutral","sentiment_score":0.056865780148655176},{"text":"Yep.","start":892.34,"end":892.695,"sentiment":"neutral","sentiment_score":0.0228219386190176},{"text":"Yep.","start":896.695,"end":897.015,"sentiment":"neutral","sentiment_score":0.04949158430099487},{"text":"That's okay.","start":897.015,"end":897.575,"sentiment":"neutral","sentiment_score":0.11398153007030487}],"sentiment":"neutral","sentiment_score":0.10484163207001984,"num_words":40,"start":873.875,"end":897.575},{"sentences":[{"text":"We'll just work on the quote that you got from them.","start":897.575,"end":899.495,"sentiment":"neutral","sentiment_score":0.13151604546742005},{"text":"That's absolutely fine.","start":899.495,"end":900.955,"sentiment":"neutral","sentiment_score":0.2119223028421402},{"text":"Yeah.","start":901.09503,"end":901.575,"sentiment":"neutral","sentiment_score":0.1390397995710373},{"text":"Perfect.","start":901.575,"end":902.075,"sentiment":"neutral","sentiment_score":0.16876378655433655},{"text":"And are you still planning on holding a reserve of that 30,000 sitting behind, or is that kind of gonna be included in the 100 k that you wanted to sort of have in the offset account?","start":902.935,"end":912.72003,"sentiment":"neutral","sentiment_score":0.0394900304743567}],"sentiment":"neutral","sentiment_score":0.07266751174235118,"num_words":53,"start":897.575,"end":912.72003},{"sentences":[{"text":"Yep.","start":922.7,"end":923.2,"sentiment":"neutral","sentiment_score":0.016731780022382736},{"text":"Yep.","start":930.645,"end":931.145,"sentiment":"neutral","sentiment_score":0.01882084459066391},{"text":"Yep.","start":934.565,"end":935.065,"sentiment":"neutral","sentiment_score":0.10908478498458862},{"text":"Yes.","start":935.60504,"end":936.10504,"sentiment":"positive","sentiment_score":0.3675352931022644},{"text":"Perfect.","start":936.245,"end":936.745,"sentiment":"positive","sentiment_score":0.732948362827301}],"sentiment":"neutral","sentiment_score":0.24902421310544015,"num_words":5,"start":922.7,"end":936.745},{"sentences":[{"text":"Excellent.","start":937.3,"end":937.8,"sentiment":"positive","sentiment_score":0.7016748189926147},{"text":"And is that gonna sit in the offset account and just be as the repayments need to be made while the construction's going through, it'll just be directed from the offset account, or is that just gonna be in another account sort of directed back to the loan?","start":937.86,"end":950.82,"sentiment":"neutral","sentiment_score":0.09215844061691314},{"text":"How do you sort of plan on having that sitting?","start":950.82,"end":952.875,"sentiment":"neutral","sentiment_score":0.014689098671078682},{"text":"Mhmm.","start":960.955,"end":961.455,"sentiment":"neutral","sentiment_score":0.0009364467114210128},{"text":"Other bill.","start":962.395,"end":963.035,"sentiment":"neutral","sentiment_score":-0.0019646536093205214}],"sentiment":"neutral","sentiment_score":0.08498674346464535,"num_words":62,"start":937.3,"end":963.035},{"sentences":[{"text":"And which I'm sorry.","start":963.035,"end":964.815,"sentiment":"neutral","sentiment_score":-0.01689066248945892},{"text":"You're right.","start":966.0,"end":967.12,"sentiment":"neutral","sentiment_score":-0.019621308892965317},{"text":"Sorry to be painful, but which offset account is that gonna be sitting in?","start":967.12,"end":970.9,"sentiment":"neutral","sentiment_score":-0.07227639228637729},{"text":"Cranbourne.","start":973.68,"end":974.18,"sentiment":"neutral","sentiment_score":0.062269747257232666},{"text":"Beautiful.","start":974.4,"end":974.9,"sentiment":"positive","sentiment_score":0.3705694377422333}],"sentiment":"neutral","sentiment_score":-0.03117434430698102,"num_words":22,"start":963.035,"end":974.9},{"sentences":[{"text":"North North.","start":975.84,"end":976.58,"sentiment":"neutral","sentiment_score":0.14644990861415863},{"text":"Excellent.","start":976.8,"end":977.3,"sentiment":"positive","sentiment_score":0.5089895725250244},{"text":"Beautiful.","start":977.52,"end":978.02,"sentiment":"positive","sentiment_score":0.6118614673614502},{"text":"Lovely.","start":978.77496,"end":979.095,"sentiment":"positive","sentiment_score":0.5325675010681152},{"text":"So trying to keep as much money as possible sitting in the main primary residence offset account because that's nontax deductible and trying to keep as much tax deductible loan owing as, like, for that tax deductibility.","start":979.095,"end":990.71497,"sentiment":"neutral","sentiment_score":0.2126869587479411}],"sentiment":"neutral","sentiment_score":0.23370799599658876,"num_words":42,"start":975.84,"end":990.71497},{"sentences":[{"text":"Is that sort of where you're going with that?","start":990.935,"end":993.0,"sentiment":"neutral","sentiment_score":0.06042623892426491},{"text":"Yep.","start":994.84,"end":995.32,"sentiment":"neutral","sentiment_score":0.232681006193161},{"text":"Beautiful.","start":995.32,"end":995.82,"sentiment":"positive","sentiment_score":0.5615207552909851},{"text":"Excellent.","start":996.36,"end":996.86,"sentiment":"positive","sentiment_score":0.5530604720115662},{"text":"Lovely.","start":998.04,"end":998.54,"sentiment":"positive","sentiment_score":0.4691896438598633}],"sentiment":"neutral","sentiment_score":0.1815606175133815,"num_words":13,"start":990.935,"end":998.54},{"sentences":[{"text":"And then I've got just with the interest rates, with the initial land loan interest rate, we're looking at 9.14% currently.","start":999.48,"end":1008.395,"sentiment":"neutral","sentiment_score":0.05978936169828687},{"text":"Is that still fairly accurate?","start":1008.615,"end":1010.47504,"sentiment":"neutral","sentiment_score":0.03655456379055977},{"text":"Yep.","start":1015.895,"end":1016.395,"sentiment":"neutral","sentiment_score":0.009721251204609873},{"text":"Yeah.","start":1029.35,"end":1029.5901,"sentiment":"neutral","sentiment_score":0.03351163864135742},{"text":"You're right.","start":1029.5901,"end":1030.395,"sentiment":"neutral","sentiment_score":0.05611907318234444}],"sentiment":"neutral","sentiment_score":0.053127348360915976,"num_words":30,"start":999.48,"end":1030.395},{"sentences":[{"text":"So we'll save Parkdale.","start":1034.635,"end":1036.175,"sentiment":"neutral","sentiment_score":0.08535347692668438},{"text":"8.64% is expected after rise.","start":1037.595,"end":1041.935,"sentiment":"neutral","sentiment_score":0.051621125638484956},{"text":"Beautiful.","start":1043.355,"end":1043.855,"sentiment":"neutral","sentiment_score":0.33110836148262024},{"text":"And then I've got here indicative refinance construction loan rate of 6.36 interest only.","start":1045.1599,"end":1050.94,"sentiment":"neutral","sentiment_score":0.03417965803029282},{"text":"Is that the so that's normally a refinance rate.","start":1053.7999,"end":1059.995,"sentiment":"neutral","sentiment_score":0.005665147780544228}],"sentiment":"neutral","sentiment_score":0.04424634666153879,"num_words":33,"start":1034.635,"end":1059.995},{"sentences":[{"text":"You'll be paying the eight point sorry.","start":1060.855,"end":1063.175,"sentiment":"neutral","sentiment_score":-0.02117472075458084},{"text":"The 8.64% interest on the loan, won't you?","start":1063.175,"end":1067.275,"sentiment":"neutral","sentiment_score":-0.009466948453336954},{"text":"Yep.","start":1069.255,"end":1069.755,"sentiment":"neutral","sentiment_score":0.01853649690747261},{"text":"Yeah.","start":1078.9501,"end":1079.4501,"sentiment":"neutral","sentiment_score":0.010725287720561028},{"text":"Mhmm.","start":1080.63,"end":1081.13,"sentiment":"neutral","sentiment_score":0.0007275445386767387}],"sentiment":"neutral","sentiment_score":-0.01077607243011395,"num_words":18,"start":1060.855,"end":1081.13},{"sentences":[{"text":"Okay.","start":1084.465,"end":1084.965,"sentiment":"neutral","sentiment_score":0.02206522226333618},{"text":"Yep.","start":1091.1849,"end":1091.6849,"sentiment":"neutral","sentiment_score":0.01553162094205618},{"text":"Sorry.","start":1094.865,"end":1095.365,"sentiment":"neutral","sentiment_score":-0.1322099268436432},{"text":"That's Sorry.","start":1095.4249,"end":1096.74,"sentiment":"neutral","sentiment_score":-0.1252162829041481},{"text":"That's absolutely fine.","start":1096.74,"end":1097.2799,"sentiment":"neutral","sentiment_score":0.06083242719372114}],"sentiment":"neutral","sentiment_score":-0.020318545983172953,"num_words":8,"start":1084.465,"end":1097.2799},{"sentences":[{"text":"Yeah.","start":1097.2799,"end":1097.7799,"sentiment":"neutral","sentiment_score":0.17269590497016907},{"text":"Absolutely fine.","start":1098.0,"end":1098.7999,"sentiment":"neutral","sentiment_score":0.3082674890756607},{"text":"So I'll just note that that is if you refinance down the track, that's a possibility, but we'll work on the 8.3 8.64% for the loan because that's what you sort of expect it to be currently doing.","start":1098.7999,"end":1111.415,"sentiment":"neutral","sentiment_score":0.10749602788373043},{"text":"If anything changes over the next couple of weeks, please just let me know while I'm going to the research component.","start":1111.415,"end":1116.395,"sentiment":"neutral","sentiment_score":0.059708456020979656},{"text":"If I find there's anything additional I need to kinda confirm, I'll make sure I email or touch base there for you as well.","start":1117.175,"end":1123.355,"sentiment":"neutral","sentiment_score":0.06728597621743877}],"sentiment":"neutral","sentiment_score":0.09003280172514361,"num_words":86,"start":1097.2799,"end":1123.355},{"sentences":[{"text":"Beautiful.","start":1124.71,"end":1125.19,"sentiment":"positive","sentiment_score":0.6315451860427856},{"text":"That looks really good.","start":1125.19,"end":1125.9099,"sentiment":"positive","sentiment_score":0.6797495484352112},{"text":"Now with the Parkdale property, is there any looking kinda at management fees, rates, and things like that, do you have any kinda estimate on how much those costs are expected to be once the property is all handed over.","start":1125.9099,"end":1139.995,"sentiment":"neutral","sentiment_score":0.05986595158465206},{"text":"That's okay.","start":1147.1749,"end":1147.995,"sentiment":"neutral","sentiment_score":0.13324052095413208},{"text":"You're absolutely fine.","start":1156.95,"end":1158.49,"sentiment":"neutral","sentiment_score":0.11460676540931065}],"sentiment":"neutral","sentiment_score":0.12710965562611817,"num_words":50,"start":1124.71,"end":1158.49},{"sentences":[{"text":"6% management fee.","start":1171.285,"end":1172.885,"sentiment":"neutral","sentiment_score":0.014236408596237501},{"text":"So once handed over.","start":1172.885,"end":1174.425,"sentiment":"neutral","sentiment_score":0.056345174089074135},{"text":"Fantastic.","start":1174.565,"end":1175.065,"sentiment":"positive","sentiment_score":0.4888208508491516},{"text":"An estimate on kind of rates and water and things like that, do you know roughly what those might cost you?","start":1176.21,"end":1181.91,"sentiment":"neutral","sentiment_score":0.1381060200787726},{"text":"Yep.","start":1196.785,"end":1197.285,"sentiment":"neutral","sentiment_score":0.029254674911499023}],"sentiment":"neutral","sentiment_score":0.12287972898532946,"num_words":30,"start":1171.285,"end":1197.285},{"sentences":[{"text":"Yep.","start":1200.305,"end":1200.72,"sentiment":"neutral","sentiment_score":0.07567504048347473},{"text":"Beautiful.","start":1209.84,"end":1210.34,"sentiment":"neutral","sentiment_score":0.167390838265419},{"text":"Yes.","start":1224.415,"end":1224.75,"sentiment":"neutral","sentiment_score":0.01694289967417717},{"text":"Did you want me just to factor in maybe $500 for, like, pest management and control and things like that?","start":1228.59,"end":1235.57,"sentiment":"neutral","sentiment_score":0.005816463008522987},{"text":"Yep.","start":1237.63,"end":1238.03,"sentiment":"neutral","sentiment_score":0.03652213886380195}],"sentiment":"neutral","sentiment_score":0.017202507394055527,"num_words":24,"start":1200.305,"end":1238.03},{"sentences":[{"text":"Per year for maintenance and pest control.","start":1238.03,"end":1240.315,"sentiment":"neutral","sentiment_score":0.014410999869661672},{"text":"Perfect.","start":1240.315,"end":1240.815,"sentiment":"neutral","sentiment_score":0.30873817205429077},{"text":"Excellent.","start":1242.075,"end":1242.575,"sentiment":"positive","sentiment_score":0.42279908061027527},{"text":"Beautiful.","start":1243.595,"end":1244.095,"sentiment":"positive","sentiment_score":0.4307759404182434},{"text":"That's basically everything for the Parkdale loan at the moment, unless there's anything else that you can think of that might be important to kind of note down for the Parkdale property.","start":1244.155,"end":1254.91,"sentiment":"neutral","sentiment_score":0.08157003531232476}],"sentiment":"neutral","sentiment_score":0.0922245552896389,"num_words":42,"start":1238.03,"end":1254.91},{"sentences":[{"text":"Any changes or anything else that's due to change?","start":1254.91,"end":1258.51,"sentiment":"neutral","sentiment_score":0.016874413109487958},{"text":"Or that's okay.","start":1258.51,"end":1261.79,"sentiment":"neutral","sentiment_score":0.07089850182334582},{"text":"Beautiful.","start":1261.79,"end":1262.29,"sentiment":"positive","sentiment_score":0.385805606842041},{"text":"Excellent.","start":1262.35,"end":1262.85,"sentiment":"neutral","sentiment_score":0.31609708070755005},{"text":"So the other one is so looking at the Banjo property, I've got your home repairs, management fees, mortgages, your income coming in on a regular basis.","start":1264.045,"end":1271.905,"sentiment":"neutral","sentiment_score":0.0433681631391799}],"sentiment":"neutral","sentiment_score":0.05457093453080189,"num_words":41,"start":1254.91,"end":1271.905},{"sentences":[{"text":"The income that you've got noted on the budget plan of that, is that before all of your, like, management fees and things like that are accounted for, or is that what you're receiving after all those have been taken to account?","start":1272.285,"end":1285.6,"sentiment":"neutral","sentiment_score":0.016778467932627314},{"text":"Yep.","start":1291.18,"end":1291.485,"sentiment":"neutral","sentiment_score":-0.028246616944670677},{"text":"Yep.","start":1296.205,"end":1296.705,"sentiment":"neutral","sentiment_score":0.006933366414159536},{"text":"Beautiful.","start":1296.845,"end":1297.345,"sentiment":"neutral","sentiment_score":0.09785236418247224},{"text":"Yep.","start":1303.565,"end":1304.065,"sentiment":"neutral","sentiment_score":0.009760458953678608}],"sentiment":"neutral","sentiment_score":0.017195548386434497,"num_words":46,"start":1272.285,"end":1304.065},{"sentences":[{"text":"$7.10 in February 2027.","start":1305.085,"end":1308.87,"sentiment":"neutral","sentiment_score":0.010764143313281238},{"text":"Beautiful.","start":1309.01,"end":1309.49,"sentiment":"positive","sentiment_score":0.3850396871566773},{"text":"Thank you so much.","start":1309.49,"end":1310.29,"sentiment":"positive","sentiment_score":0.6061211675405502},{"text":"And, honestly, this budget plan is one of the best I've ever seen completed.","start":1310.29,"end":1313.25,"sentiment":"positive","sentiment_score":0.6142926216125488},{"text":"You've done an amazing job.","start":1313.25,"end":1314.61,"sentiment":"positive","sentiment_score":0.7359269142150879}],"sentiment":"positive","sentiment_score":0.5404397215793973,"num_words":28,"start":1305.085,"end":1314.61},{"sentences":[{"text":"Thank you so much for that.","start":1314.61,"end":1315.97,"sentiment":"positive","sentiment_score":0.6408706704775492},{"text":"I looked at them, and I was like, oh my god.","start":1315.97,"end":1317.97,"sentiment":"neutral","sentiment_score":0.2956758276982741},{"text":"This gives me warm, fuzzy feelings.","start":1317.97,"end":1319.83,"sentiment":"positive","sentiment_score":0.43512865900993347},{"text":"I love all the detail you've got here.","start":1321.1549,"end":1322.995,"sentiment":"positive","sentiment_score":0.6311426088213921},{"text":"You've broken everything down so perfectly.","start":1322.995,"end":1325.335,"sentiment":"positive","sentiment_score":0.6545616090297699}],"sentiment":"positive","sentiment_score":0.5049983947663694,"num_words":37,"start":1314.61,"end":1325.335},{"sentences":[{"text":"All good.","start":1329.5549,"end":1330.375,"sentiment":"positive","sentiment_score":0.4196837693452835},{"text":"Parkdale loan is there currently on how much you're paying per month.","start":1331.1549,"end":1335.03,"sentiment":"neutral","sentiment_score":0.027141665418942768},{"text":"With the loan repayments, are they the minimum requirement, or are they just what you're paying, which could be over the minimum based on the interest rate?","start":1335.27,"end":1343.77,"sentiment":"neutral","sentiment_score":-0.0070960175383974},{"text":"Yep.","start":1349.51,"end":1349.835,"sentiment":"neutral","sentiment_score":-0.030014535412192345},{"text":"Yep.","start":1355.595,"end":1356.095,"sentiment":"neutral","sentiment_score":-0.01023910567164421}],"sentiment":"neutral","sentiment_score":0.02170282346737939,"num_words":43,"start":1329.5549,"end":1356.095},{"sentences":[{"text":"Yep.","start":1362.315,"end":1362.815,"sentiment":"neutral","sentiment_score":-0.023072298616170883},{"text":"Beautiful.","start":1363.995,"end":1364.495,"sentiment":"positive","sentiment_score":0.6241104602813721},{"text":"Excellent.","start":1364.955,"end":1365.455,"sentiment":"positive","sentiment_score":0.6190824508666992},{"text":"And with the Bunya property, what's the current interest rate on that property?","start":1366.05,"end":1370.2301,"sentiment":"neutral","sentiment_score":0.10623536144311611},{"text":"A loan.","start":1371.7301,"end":1372.13,"sentiment":"neutral","sentiment_score":-0.004107897635549307}],"sentiment":"neutral","sentiment_score":0.1440535842234062,"num_words":18,"start":1362.315,"end":1372.13},{"sentences":[{"text":"Sorry.","start":1372.13,"end":1372.53,"sentiment":"neutral","sentiment_score":-0.05041247606277466},{"text":"My apologies.","start":1372.53,"end":1373.1901,"sentiment":"neutral","sentiment_score":-0.1125895082950592},{"text":"Loan.","start":1373.25,"end":1373.75,"sentiment":"neutral","sentiment_score":-0.034724704921245575},{"text":"Yep.","start":1376.05,"end":1376.55,"sentiment":"neutral","sentiment_score":-0.0009657868067733943},{"text":"Sorry.","start":1378.635,"end":1378.875,"sentiment":"neutral","sentiment_score":-0.019224319607019424}],"sentiment":"neutral","sentiment_score":-0.055084383997988574,"num_words":6,"start":1372.13,"end":1378.875},{"sentences":[{"text":"What's the interest rate on the loan?","start":1378.875,"end":1380.3151,"sentiment":"neutral","sentiment_score":-0.01925284362265042},{"text":"My apologies, Sarah.","start":1380.3151,"end":1381.4551,"sentiment":"neutral","sentiment_score":-0.10981268932422002},{"text":"6.51%.","start":1391.355,"end":1392.795,"sentiment":"neutral","sentiment_score":0.01538370456546545},{"text":"That's okay.","start":1392.795,"end":1393.53,"sentiment":"neutral","sentiment_score":0.19918062537908554},{"text":"I'll work on that.","start":1393.53,"end":1394.49,"sentiment":"neutral","sentiment_score":0.2379007749259472}],"sentiment":"neutral","sentiment_score":0.05300824009977719,"num_words":17,"start":1378.875,"end":1394.49},{"sentences":[{"text":"And if you find it does go up, just let me know because I can very easily just alter that for you.","start":1394.49,"end":1399.31,"sentiment":"neutral","sentiment_score":0.16836381568150086},{"text":"And, yeah, you had here 450 owing on the loan.","start":1399.77,"end":1402.65,"sentiment":"neutral","sentiment_score":0.05167101509869099},{"text":"That's still fairly accurate for the Banya property?","start":1402.65,"end":1405.0701,"sentiment":"neutral","sentiment_score":0.0769280344247818},{"text":"Yep.","start":1406.7301,"end":1407.015,"sentiment":"neutral","sentiment_score":0.17570176720619202},{"text":"Beautiful.","start":1407.255,"end":1407.735,"sentiment":"positive","sentiment_score":0.622626543045044}],"sentiment":"neutral","sentiment_score":0.13415396861022427,"num_words":42,"start":1394.49,"end":1407.735},{"sentences":[{"text":"I've got income and everything there.","start":1407.735,"end":1409.335,"sentiment":"positive","sentiment_score":0.5125745634237925},{"text":"Excellent.","start":1409.335,"end":1409.835,"sentiment":"positive","sentiment_score":0.476984977722168},{"text":"6.51%.","start":1410.055,"end":1411.675,"sentiment":"neutral","sentiment_score":0.30850857496261597},{"text":"And that's interest only as well.","start":1412.135,"end":1414.395,"sentiment":"neutral","sentiment_score":0.21948507676521936},{"text":"Excellent.","start":1416.375,"end":1416.875,"sentiment":"positive","sentiment_score":0.40018796920776367}],"sentiment":"positive","sentiment_score":0.3718692908684413,"num_words":15,"start":1407.735,"end":1416.875},{"sentences":[{"text":"And with the Craneborn property, your main primary residence, how what's your interest rate on that one currently on the loan?","start":1417.8151,"end":1426.16,"sentiment":"neutral","sentiment_score":0.10693668432178952},{"text":"Yeah.","start":1431.1,"end":1431.6,"sentiment":"neutral","sentiment_score":0.08422087132930756},{"text":"I can factor in as a a full rate rise into the percent if you like, and that we can kind of work on that for you.","start":1432.46,"end":1439.885,"sentiment":"neutral","sentiment_score":0.14868766621307092},{"text":"That way, we're factoring in the potential rate rise, which I'm assuming most banks are gonna take on board anyway.","start":1440.025,"end":1445.885,"sentiment":"neutral","sentiment_score":0.08052500728517771},{"text":"5.94.","start":1452.68,"end":1453.7201,"sentiment":"neutral","sentiment_score":0.09429794549942017}],"sentiment":"neutral","sentiment_score":0.1149893760148968,"num_words":70,"start":1417.8151,"end":1453.7201},{"sentences":[{"text":"Beautiful.","start":1453.7201,"end":1454.2201,"sentiment":"positive","sentiment_score":0.5503036975860596},{"text":"And we'll add the interest rate increase there as well.","start":1455.4801,"end":1458.8401,"sentiment":"neutral","sentiment_score":0.29679221510887144},{"text":"Just because if I was a bank, I would definitely take that rate rise and run with it.","start":1458.8401,"end":1464.4049,"sentiment":"neutral","sentiment_score":0.17101846345596844},{"text":"Just make as much money as possible, really, isn't it?","start":1464.465,"end":1467.125,"sentiment":"neutral","sentiment_score":0.0781692910939455},{"text":"All all good.","start":1469.745,"end":1470.485,"sentiment":"positive","sentiment_score":0.553148607412974}],"sentiment":"neutral","sentiment_score":0.21518326009668054,"num_words":42,"start":1453.7201,"end":1470.485},{"sentences":[{"text":"Beautiful.","start":1470.625,"end":1471.125,"sentiment":"positive","sentiment_score":0.6700645685195923},{"text":"That looks like mostly everything there.","start":1472.1449,"end":1474.965,"sentiment":"positive","sentiment_score":0.461178688177218},{"text":"Now just kind of with the goal side of things, we're looking at what to do over the next like, what's expected over the next five years, looking at, obviously, income paying the mortgage down and what that looks like over the next sort of five years, but also looking at the capital growth.","start":1475.345,"end":1488.99,"sentiment":"neutral","sentiment_score":0.09489713102165195},{"text":"So the growth that the properties have seen over the past couple of years and estimating that over the next few years to sort of show you, a, what the loans are expected to look like, what the growth is expecting to look like on each of the properties, and giving you your growth and net overall financial situation.","start":1488.99,"end":1508.41,"sentiment":"neutral","sentiment_score":0.14712597353983733},{"text":"Am I right in suggesting like, in saying that's kind of what you're after, or is there anything different?","start":1508.55,"end":1513.67,"sentiment":"neutral","sentiment_score":-0.011477544315551457}],"sentiment":"neutral","sentiment_score":0.12247439474537433,"num_words":139,"start":1470.625,"end":1513.67},{"sentences":[{"text":"Have I got any of that wrong?","start":1513.67,"end":1515.2101,"sentiment":"neutral","sentiment_score":-0.08728300620402608},{"text":"Yep.","start":1517.51,"end":1517.9901,"sentiment":"neutral","sentiment_score":0.18309631943702695},{"text":"Beautiful.","start":1517.9901,"end":1518.465,"sentiment":"positive","sentiment_score":0.6209049224853516},{"text":"Yeah.","start":1522.465,"end":1522.945,"sentiment":"neutral","sentiment_score":0.2438805103302002},{"text":"Absolutely.","start":1522.945,"end":1523.445,"sentiment":"positive","sentiment_score":0.41204139590263367}],"sentiment":"neutral","sentiment_score":0.07717655497518452,"num_words":11,"start":1513.67,"end":1523.445},{"sentences":[{"text":"Perfect.","start":1523.825,"end":1524.325,"sentiment":"positive","sentiment_score":0.4111896753311157},{"text":"And when with these properties that are obviously interest only for a certain time frame with the Park sale property.","start":1525.585,"end":1532.6901,"sentiment":"neutral","sentiment_score":0.03597376309335232},{"text":"How long is that gonna be interest only for after the property is built?","start":1532.6901,"end":1536.15,"sentiment":"neutral","sentiment_score":0.010086459639881338},{"text":"Yep.","start":1542.13,"end":1542.63,"sentiment":"neutral","sentiment_score":0.03832189366221428},{"text":"You're doing the four five.","start":1542.6901,"end":1543.97,"sentiment":"neutral","sentiment_score":0.03801632896065712}],"sentiment":"neutral","sentiment_score":0.036592168551756114,"num_words":41,"start":1523.825,"end":1543.97},{"sentences":[{"text":"Yep.","start":1543.97,"end":1544.235,"sentiment":"neutral","sentiment_score":0.05253621190786362},{"text":"Yep.","start":1554.075,"end":1554.575,"sentiment":"neutral","sentiment_score":0.07854770869016647},{"text":"Yep.","start":1554.875,"end":1555.355,"sentiment":"neutral","sentiment_score":0.1603865027427673},{"text":"Beautiful.","start":1555.355,"end":1555.855,"sentiment":"positive","sentiment_score":0.38746702671051025},{"text":"And are you planning on sort of building up putting any additional money into the offset accounts to kind of build up the offset account so that when that comes up interest only, you owe less money on the over, sorry, on the overall loan when it kinda reverse the principal and interest, or you're just kinda happy paying the minimum and keeping that excess, the 100,000, sitting in the offset?","start":1557.13,"end":1578.635,"sentiment":"neutral","sentiment_score":0.09524914989588966}],"sentiment":"neutral","sentiment_score":0.09922169456879298,"num_words":75,"start":1543.97,"end":1578.635},{"sentences":[{"text":"What's your sort of plan with the offset and the excess money?","start":1578.635,"end":1581.375,"sentiment":"neutral","sentiment_score":0.0015958170406520367},{"text":"Yeah.","start":1588.12,"end":1588.62,"sentiment":"neutral","sentiment_score":-0.0252836886793375},{"text":"Yeah.","start":1591.64,"end":1592.14,"sentiment":"neutral","sentiment_score":-0.07387454807758331},{"text":"Yep.","start":1603.015,"end":1603.515,"sentiment":"neutral","sentiment_score":-0.030098063871264458},{"text":"Yeah.","start":1608.9349,"end":1609.38,"sentiment":"neutral","sentiment_score":0.17375940084457395}],"sentiment":"neutral","sentiment_score":0.00397830654401332,"num_words":16,"start":1578.635,"end":1609.38},{"sentences":[{"text":"Yeah.","start":1609.78,"end":1610.02,"sentiment":"neutral","sentiment_score":0.2487238049507141},{"text":"Absolutely.","start":1610.02,"end":1610.52,"sentiment":"positive","sentiment_score":0.4060465395450592},{"text":"So keep keep paying down the PTR as much as possible and offset.","start":1610.82,"end":1616.28,"sentiment":"neutral","sentiment_score":0.24358790883651146},{"text":"Lovely.","start":1616.34,"end":1616.84,"sentiment":"positive","sentiment_score":0.5758522748947144},{"text":"So focus mostly on paying down the nontax deductible loan, keeping the other two loans as they are.","start":1616.9,"end":1622.34,"sentiment":"neutral","sentiment_score":0.27813563330305946}],"sentiment":"neutral","sentiment_score":0.2765796127564767,"num_words":34,"start":1609.78,"end":1622.34},{"sentences":[{"text":"You'll keep a bit of a buffer in the offset accounts if needed, but just making sure that you can, you know, maximize your tax deductions with the interest repayments and things like that.","start":1622.34,"end":1631.135,"sentiment":"neutral","sentiment_score":0.2577122629565351},{"text":"Is that sort of what you're after?","start":1631.135,"end":1632.675,"sentiment":"neutral","sentiment_score":0.13080188738448278},{"text":"Yeah.","start":1634.655,"end":1635.055,"sentiment":"neutral","sentiment_score":0.3077099323272705},{"text":"Beautiful.","start":1635.055,"end":1635.555,"sentiment":"positive","sentiment_score":0.6671735048294067},{"text":"Excellent.","start":1636.015,"end":1636.515,"sentiment":"positive","sentiment_score":0.6727153062820435}],"sentiment":"neutral","sentiment_score":0.25739611126482487,"num_words":44,"start":1622.34,"end":1636.515},{"sentences":[{"text":"Overall.","start":1638.0951,"end":1638.5951,"sentiment":"positive","sentiment_score":0.4784637689590454},{"text":"So I'll look at overall capital growth expectation around each of the properties, focus on maybe mortgage repayments to sort of show you that as well over the next sort of five years based on current loan rates.","start":1640.12,"end":1657.2949,"sentiment":"neutral","sentiment_score":0.21459164548861354},{"text":"And I'll factor in the increase of the full rate rise just so we're you know, if they don't pass on the full rate rise, it works out better for you, but more than likely, they are gonna pass on the full rate rise.","start":1658.235,"end":1669.97,"sentiment":"neutral","sentiment_score":0.08654129826887087},{"text":"If you find out over the next couple of weeks that you that there are that they're not passing on the full rate rise, if you can let me know, that'd be great just so I can make sure I'm working on the most up to date information for the loan repayments as much as possible.","start":1670.51,"end":1685.735,"sentiment":"neutral","sentiment_score":0.03192378906533122},{"text":"Excellent.","start":1687.9551,"end":1688.4551,"sentiment":"positive","sentiment_score":0.4933110773563385}],"sentiment":"neutral","sentiment_score":0.10515576204551118,"num_words":140,"start":1638.0951,"end":1688.4551},{"sentences":[{"text":"Beautiful.","start":1688.915,"end":1689.415,"sentiment":"positive","sentiment_score":0.4894900619983673},{"text":"And then with your super, are you just wanting this advice to sort of focus around the properties and what that looks like over the next five years, or are you wanting to sort of look at, you know, increasing contributions to super?","start":1691.395,"end":1702.5,"sentiment":"neutral","sentiment_score":0.08282909022514211},{"text":"I know with your budget planners, there's not really a a lot of extra cash flow at the moment.","start":1702.5,"end":1708.12,"sentiment":"neutral","sentiment_score":-0.036478783984325434},{"text":"Are you just sort of wanting to look at the the properties over the next five years, or did you want me to sort of factor in the super outlook and look at everything as a whole?","start":1708.4199,"end":1716.755,"sentiment":"neutral","sentiment_score":0.03133563903739323},{"text":"What would you like?","start":1716.755,"end":1717.8151,"sentiment":"neutral","sentiment_score":0.017401978839188814}],"sentiment":"neutral","sentiment_score":0.0441064481319,"num_words":104,"start":1688.915,"end":1717.8151},{"sentences":[{"text":"Mhmm.","start":1723.7151,"end":1724.2151,"sentiment":"neutral","sentiment_score":-0.09847062826156616},{"text":"Yep.","start":1729.15,"end":1729.65,"sentiment":"neutral","sentiment_score":-0.01668526791036129},{"text":"Yeah.","start":1734.75,"end":1735.15,"sentiment":"neutral","sentiment_score":0.07945851981639862},{"text":"No.","start":1735.15,"end":1735.39,"sentiment":"neutral","sentiment_score":-0.05914492905139923},{"text":"That's okay.","start":1735.39,"end":1736.03,"sentiment":"neutral","sentiment_score":0.014825107529759407}],"sentiment":"neutral","sentiment_score":-0.010865348391234875,"num_words":6,"start":1723.7151,"end":1736.03},{"sentences":[{"text":"It does look like with your budget plan, because you're sitting in the negative expectation wise at the moment, I'd be really, you know, not wanting to increase your contributions in, but I can sort of factor in, like, work on the properties as a whole for this advice document for you and look at the growth over the next sort of five years to give you an idea of what this looks like.","start":1736.03,"end":1756.83,"sentiment":"neutral","sentiment_score":-0.04953174265353261},{"text":"But then, also, just when we look at the total in the next five years, factor in the projected outcome with your super as well and just go look as a whole, including your super, which will be limited.","start":1757.2899,"end":1769.035,"sentiment":"neutral","sentiment_score":0.015472457911341619},{"text":"I'm not making any changes to super right now because it is actually working really well.","start":1769.035,"end":1773.295,"sentiment":"neutral","sentiment_score":-0.1876639323309064},{"text":"But just looking at, you know, your net and gross financial position, taking to account what your super should look like in that time frame as well.","start":1773.435,"end":1781.48,"sentiment":"neutral","sentiment_score":0.008628132856554456},{"text":"Does that sound appropriate?","start":1781.54,"end":1782.8201,"sentiment":"neutral","sentiment_score":0.04407737497240305}],"sentiment":"neutral","sentiment_score":-0.03534548080060631,"num_words":160,"start":1736.03,"end":1782.8201},{"sentences":[{"text":"Are you comfortable with that?","start":1782.8201,"end":1784.1,"sentiment":"neutral","sentiment_score":0.0025049068033695223},{"text":"Is there any additional questions there at all?","start":1784.1,"end":1786.4401,"sentiment":"neutral","sentiment_score":-0.015024171443656087},{"text":"That sounds great.","start":1788.58,"end":1789.54,"sentiment":"positive","sentiment_score":0.6021122733751932},{"text":"Excellent.","start":1789.54,"end":1790.04,"sentiment":"positive","sentiment_score":0.4836096167564392},{"text":"And just sort of looking at long term goals, you sort of may mention you're not really sure if you wanna sell or keep the property.","start":1790.9,"end":1797.305,"sentiment":"neutral","sentiment_score":0.05883472642073265}],"sentiment":"neutral","sentiment_score":0.08632512758810852,"num_words":43,"start":1782.8201,"end":1797.305},{"sentences":[{"text":"So but for the next five years, you kind of expect to keep them, you know, options to sell maybe down the track a little bit further.","start":1797.305,"end":1805.0801,"sentiment":"neutral","sentiment_score":0.016850206173128553},{"text":"Is that right, or am I wrong in any of that?","start":1805.0801,"end":1807.5,"sentiment":"neutral","sentiment_score":-0.03528033196926117},{"text":"That's right.","start":1810.04,"end":1810.7001,"sentiment":"neutral","sentiment_score":0.02268546912819147},{"text":"Beautiful.","start":1825.255,"end":1825.6549,"sentiment":"positive","sentiment_score":0.40011876821517944},{"text":"Yep.","start":1825.6549,"end":1826.1349,"sentiment":"neutral","sentiment_score":0.2589361369609833}],"sentiment":"neutral","sentiment_score":0.01836423234393199,"num_words":42,"start":1797.305,"end":1826.1349},{"sentences":[{"text":"Beautiful.","start":1826.1349,"end":1826.6349,"sentiment":"positive","sentiment_score":0.6033017635345459},{"text":"Lovely.","start":1826.7749,"end":1827.2749,"sentiment":"positive","sentiment_score":0.6105004549026489},{"text":"Excellent.","start":1827.335,"end":1827.835,"sentiment":"positive","sentiment_score":0.5550748109817505},{"text":"Is there anything else wise that you would like me to sort of factor into this for you at all?","start":1828.7749,"end":1834.23,"sentiment":"neutral","sentiment_score":0.21069309636950492},{"text":"Is there anything I may have missed that you might want me to consider for you as well?","start":1834.23,"end":1838.39,"sentiment":"neutral","sentiment_score":0.05818832417329153}],"sentiment":"neutral","sentiment_score":0.17146655590069004,"num_words":41,"start":1826.1349,"end":1838.39},{"sentences":[{"text":"Or That's okay.","start":1838.39,"end":1842.89,"sentiment":"neutral","sentiment_score":0.0028907572850584984},{"text":"Yeah.","start":1845.825,"end":1846.1449,"sentiment":"neutral","sentiment_score":0.1393824815750122},{"text":"Absolutely.","start":1846.1449,"end":1846.6449,"sentiment":"neutral","sentiment_score":0.028422169387340546},{"text":"The only other thing so the way this will sort of work because you're our current client, Yanni, is not quite yet.","start":1847.1849,"end":1853.2849,"sentiment":"neutral","sentiment_score":-0.018930348694663156},{"text":"What I'll do is I'll make this advice to yourself.","start":1853.745,"end":1856.245,"sentiment":"neutral","sentiment_score":0.07803182825446128}],"sentiment":"neutral","sentiment_score":0.01460344686701491,"num_words":37,"start":1838.39,"end":1856.245},{"sentences":[{"text":"It'll be for you, but it will, because this property is partly in his name, also have an effect on him.","start":1856.76,"end":1861.88,"sentiment":"neutral","sentiment_score":0.14782686886333285},{"text":"So I'll make sure I note that within the advice document for him, but it will essentially be directed to yourself.","start":1861.88,"end":1867.88,"sentiment":"neutral","sentiment_score":0.09666817777213596},{"text":"Is that okay?","start":1867.88,"end":1868.86,"sentiment":"neutral","sentiment_score":0.10467477391163509},{"text":"Yep.","start":1870.4401,"end":1870.875,"sentiment":"positive","sentiment_score":0.41295644640922546},{"text":"Beautiful.","start":1871.115,"end":1871.615,"sentiment":"positive","sentiment_score":0.6911778450012207}],"sentiment":"neutral","sentiment_score":0.13941605515936586,"num_words":47,"start":1856.76,"end":1871.615},{"sentences":[{"text":"And the effect there.","start":1871.915,"end":1873.295,"sentiment":"positive","sentiment_score":0.4606412798166275},{"text":"If Yanni has any questions at any point, you're welcome to let me know.","start":1873.435,"end":1876.395,"sentiment":"neutral","sentiment_score":0.2555195710488728},{"text":"It's not a problem at all.","start":1876.395,"end":1877.855,"sentiment":"positive","sentiment_score":0.4133621056874593},{"text":"The only other thing I was sort of looking at this morning that might be a really good option, I was gonna email you, but I thought, look.","start":1878.315,"end":1883.275,"sentiment":"neutral","sentiment_score":0.07187239093972105},{"text":"I'm gonna talk to you anyway.","start":1883.275,"end":1884.575,"sentiment":"neutral","sentiment_score":0.03680524230003357}],"sentiment":"neutral","sentiment_score":0.17471155427910132,"num_words":58,"start":1871.915,"end":1884.575},{"sentences":[{"text":"Have you done your tax return for last financial year at all?","start":1885.035,"end":1888.44,"sentiment":"neutral","sentiment_score":0.01519229526941975},{"text":"Beautiful.","start":1890.34,"end":1890.84,"sentiment":"positive","sentiment_score":0.3647713363170624},{"text":"Are you able to send me a copy of the assessment notice, for yourself and for Yani just so I can break down, what they have in there, under the deduction side of things for you as 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estimate five to six weeks should be absolutely fine for that.","start":1942.61,"end":1945.73,"sentiment":"neutral","sentiment_score":0.29829016213233656},{"text":"Is that okay with you?","start":1945.73,"end":1947.03,"sentiment":"neutral","sentiment_score":0.18745538890361785},{"text":"Yep.","start":1948.61,"end":1949.11,"sentiment":"neutral","sentiment_score":0.10808445513248444}],"sentiment":"neutral","sentiment_score":0.13212923591627795,"num_words":85,"start":1926.125,"end":1949.11},{"sentences":[{"text":"Beautiful.","start":1949.25,"end":1949.75,"sentiment":"neutral","sentiment_score":0.15595237910747528},{"text":"No.","start":1952.875,"end":1953.375,"sentiment":"neutral","sentiment_score":-0.10747121274471284},{"text":"I'm I'm gonna book it in now for you so you've got a a date there ready to go.","start":1953.6749,"end":1957.595,"sentiment":"neutral","sentiment_score":0.04740491921180173},{"text":"So we're sitting at the end of September now.","start":1957.595,"end":1960.875,"sentiment":"neutral","sentiment_score":0.045536415858401194},{"text":"So one, two, three, four, five, six.","start":1960.875,"end":1963.855,"sentiment":"neutral","sentiment_score":0.04923081025481224}],"sentiment":"neutral","sentiment_score":0.046043730970170046,"num_words":37,"start":1949.25,"end":1963.855},{"sentences":[{"text":"That brings us up to the the week of the November 9.","start":1964.8099,"end":1968.3501,"sentiment":"neutral","sentiment_score":0.03236542812859019},{"text":"What day or time generally suits you best?","start":1969.37,"end":1972.11,"sentiment":"neutral","sentiment_score":0.025154416915029287},{"text":"Beautiful.","start":1977.045,"end":1977.545,"sentiment":"positive","sentiment_score":0.3766597807407379},{"text":"What if we do is afternoon suitable or morning?","start":1977.685,"end":1980.7251,"sentiment":"neutral","sentiment_score":0.09194040629598829},{"text":"What's better?","start":1980.7251,"end":1981.4651,"sentiment":"neutral","sentiment_score":0.04354468733072281}],"sentiment":"neutral","sentiment_score":0.058776040154043585,"num_words":32,"start":1964.8099,"end":1981.4651},{"sentences":[{"text":"Yeah.","start":1985.285,"end":1985.685,"sentiment":"neutral","sentiment_score":0.053448840975761414},{"text":"What time afternoon wise?","start":1985.685,"end":1988.245,"sentiment":"neutral","sentiment_score":0.03733926732093096},{"text":"I've got three, four, five, or six available.","start":1988.245,"end":1990.6799,"sentiment":"neutral","sentiment_score":0.05926847504451871},{"text":"You it's all up to your pick.","start":1990.74,"end":1993.5599,"sentiment":"neutral","sentiment_score":0.09045808230127607},{"text":"04:30?","start":1998.0199,"end":1998.7599,"sentiment":"neutral","sentiment_score":0.024861784651875496}],"sentiment":"neutral","sentiment_score":0.06357247958935443,"num_words":21,"start":1985.285,"end":1998.7599},{"sentences":[{"text":"Yep.","start":1999.46,"end":1999.96,"sentiment":"neutral","sentiment_score":0.11810024827718736},{"text":"Beautiful.","start":2000.74,"end":2001.24,"sentiment":"positive","sentiment_score":0.6332358121871948},{"text":"Excellent.","start":2001.38,"end":2001.88,"sentiment":"positive","sentiment_score":0.6044307351112366},{"text":"So I'll pop that in there at 04:30 on Monday, November 9.","start":2001.94,"end":2006.525,"sentiment":"neutral","sentiment_score":0.27351096272468567},{"text":"I'll get stuck into the research here for you as 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fantastic.","start":2022.74,"end":2027.5599,"sentiment":"positive","sentiment_score":0.6738795548677444}],"sentiment":"positive","sentiment_score":0.4984119376842526,"num_words":69,"start":2010.265,"end":2027.5599},{"sentences":[{"text":"Just noting all the deductions that your accountant sort of claims there for you.","start":2027.62,"end":2031.64,"sentiment":"positive","sentiment_score":0.48416986210005625},{"text":"And, yeah, I look forward to putting this together.","start":2032.2351,"end":2034.875,"sentiment":"positive","sentiment_score":0.6491684781180488},{"text":"As I kinda mentioned, because this has been in progress for a long time, there's no additional cost to this advice.","start":2034.875,"end":2039.675,"sentiment":"neutral","sentiment_score":0.31087797170593623},{"text":"It's all essentially complimentary or free to yourself.","start":2039.675,"end":2042.655,"sentiment":"neutral","sentiment_score":0.33208413422107697},{"text":"Moving forward, our our fee structure has kinda changed a bit.","start":2042.9551,"end":2046.52,"sentiment":"neutral","sentiment_score":0.15272691304033453}],"sentiment":"positive","sentiment_score":0.3727936650079394,"num_words":63,"start":2027.62,"end":2046.52},{"sentences":[{"text":"So moving forward, they do charge about 2,200 for this kind of advice outside of Super, but I'm doing it all a 100% complimentary for you this time around.","start":2046.52,"end":2056.3801,"sentiment":"neutral","sentiment_score":0.22630506599771566},{"text":"And then down the track, we can always talk about how that looks down the track for you.","start":2056.84,"end":2060.825,"sentiment":"neutral","sentiment_score":0.15456083830859926},{"text":"Is that okay?","start":2060.825,"end":2061.885,"sentiment":"neutral","sentiment_score":0.13645162185033163},{"text":"Beautiful.","start":2064.105,"end":2064.585,"sentiment":"positive","sentiment_score":0.3562120199203491},{"text":"No.","start":2064.585,"end":2064.7449,"sentiment":"neutral","sentiment_score":0.01308881863951683}],"sentiment":"neutral","sentiment_score":0.19468457129998848,"num_words":52,"start":2046.52,"end":2064.7449},{"sentences":[{"text":"That's okay.","start":2064.7449,"end":2065.545,"sentiment":"neutral","sentiment_score":0.039122721180319786},{"text":"I made sure to honor everything.","start":2065.545,"end":2067.085,"sentiment":"neutral","sentiment_score":0.1214089331527551},{"text":"I was like, no.","start":2067.305,"end":2067.9448,"sentiment":"neutral","sentiment_score":-0.12138172052800655},{"text":"No.","start":2067.9448,"end":2068.1848,"sentiment":"neutral","sentiment_score":-0.04498335346579552},{"text":"Yes.","start":2068.1848,"end":2068.4248,"sentiment":"neutral","sentiment_score":0.15014494955539703}],"sentiment":"neutral","sentiment_score":0.030452411089624678,"num_words":14,"start":2064.7449,"end":2068.4248},{"sentences":[{"text":"We've been talking about this for months.","start":2068.4248,"end":2070.345,"sentiment":"neutral","sentiment_score":0.0760050458567483},{"text":"It's something you've been after, and we never used to charge for advice outside of super.","start":2070.345,"end":2074.285,"sentiment":"neutral","sentiment_score":0.002322646789252758},{"text":"Things have kinda just changed with the way the fee structure works, and we've had to sort of start charging for advice outside because there is a lot more of it required.","start":2074.83,"end":2081.73,"sentiment":"neutral","sentiment_score":-0.06413156806956977},{"text":"A lot you know, people need a little bit more assistance in the cost of advice, and the cost of everything has definitely gone up.","start":2082.27,"end":2088.255,"sentiment":"neutral","sentiment_score":-0.08319915786385536},{"text":"The cost of living and running a business has definitely gone up.","start":2088.4949,"end":2091.535,"sentiment":"neutral","sentiment_score":-0.1307559609413147}],"sentiment":"neutral","sentiment_score":-0.055783293331446854,"num_words":92,"start":2068.4248,"end":2091.535},{"sentences":[{"text":"So that's why that has essentially changed there.","start":2091.535,"end":2094.115,"sentiment":"neutral","sentiment_score":-0.05416374746710062},{"text":"But moving forward, if you ever you know, what I try to do personally is whether it's complimentary, if I can do it complimentary, I will always try to do it for you.","start":2094.6548,"end":2103.8801,"sentiment":"neutral","sentiment_score":0.1699435900558125},{"text":"If this is general advice, that is also free, and it's it's down the track when we get, you know, past this advice piece.","start":2103.8801,"end":2110.6,"sentiment":"neutral","sentiment_score":0.14670508479078612},{"text":"If you want something else down the track, we can always look at that.","start":2110.6,"end":2113.485,"sentiment":"neutral","sentiment_score":0.09741950567279543},{"text":"And I can always go into that and speak to our head of advice and sort of come up with some sort of, you know, maybe a reduction in fee or cost or something for you as well.","start":2113.965,"end":2123.165,"sentiment":"neutral","sentiment_score":0.15974726351468185}],"sentiment":"neutral","sentiment_score":0.13786341555607626,"num_words":117,"start":2091.535,"end":2123.165},{"sentences":[{"text":"So I'll always try to help you out as much as possible.","start":2123.165,"end":2126.445,"sentiment":"neutral","sentiment_score":0.3252149547139804},{"text":"For me, it's not about the fee.","start":2126.445,"end":2133.4678,"sentiment":"neutral","sentiment_score":0.09046497036303792},{"text":"For me, it's about helping you and doing the advice.","start":2133.4678,"end":2133.56,"sentiment":"neutral","sentiment_score":0.17501113787293435},{"text":"But I just like to make sure that you're essentially aware of everything and across the information to make sure I'm upfront and honest there with you as well.","start":2133.56,"end":2138.32,"sentiment":"neutral","sentiment_score":0.12667348775370368},{"text":"Okay.","start":2138.32,"end":2138.82,"sentiment":"neutral","sentiment_score":0.29546409845352173}],"sentiment":"neutral","sentiment_score":0.17381255713812374,"num_words":59,"start":2123.165,"end":2138.82},{"sentences":[{"text":"Easy.","start":2140.625,"end":2141.125,"sentiment":"positive","sentiment_score":0.6136243343353271},{"text":"That's okay.","start":2141.185,"end":2141.905,"sentiment":"positive","sentiment_score":0.42958351969718933},{"text":"Do you have any questions for me or anything else that you think I might need to maybe look at for you?","start":2141.905,"end":2147.505,"sentiment":"neutral","sentiment_score":0.16104408624497327},{"text":"Or is there anything you need me to do as well or other than this, separate to this?","start":2147.505,"end":2153.445,"sentiment":"neutral","sentiment_score":0.07954147085547447},{"text":"Mhmm.","start":2159.7,"end":2160.2,"sentiment":"neutral","sentiment_score":0.11218427121639252}],"sentiment":"neutral","sentiment_score":0.1490839094939557,"num_words":44,"start":2140.625,"end":2160.2},{"sentences":[{"text":"Beautiful.","start":2164.0999,"end":2164.5999,"sentiment":"positive","sentiment_score":0.5646417140960693},{"text":"Yeah.","start":2168.885,"end":2169.2048,"sentiment":"neutral","sentiment_score":0.190141037106514},{"text":"Absolutely.","start":2169.2048,"end":2169.7048,"sentiment":"neutral","sentiment_score":0.309953898191452},{"text":"Yeah.","start":2169.765,"end":2169.925,"sentiment":"neutral","sentiment_score":0.17935064435005188},{"text":"I'll take into account the full rate rise just so we are sort of factoring in known changes because I think it'll be pretty interesting if any of the banks don't don't pass on the full rate rise to clients.","start":2169.925,"end":2181.4448,"sentiment":"neutral","sentiment_score":-0.04167564641684294}],"sentiment":"neutral","sentiment_score":-0.009612240066582506,"num_words":44,"start":2164.0999,"end":2181.4448},{"sentences":[{"text":"I know I would if I was a bank, so most of us probably would.","start":2181.4448,"end":2184.56,"sentiment":"neutral","sentiment_score":-0.025578561425209045},{"text":"Yeah.","start":2186.9402,"end":2187.4202,"sentiment":"neutral","sentiment_score":0.0499795600771904},{"text":"No.","start":2187.4202,"end":2187.9202,"sentiment":"neutral","sentiment_score":0.04671788215637207},{"text":"Excellent.","start":2188.06,"end":2188.56,"sentiment":"positive","sentiment_score":0.5575982928276062},{"text":"Thank you so much for your time this morning, Sarah.","start":2188.62,"end":2190.78,"sentiment":"positive","sentiment_score":0.7930792987346649}],"sentiment":"neutral","sentiment_score":0.2929075107510601,"num_words":28,"start":2181.4448,"end":2190.78},{"sentences":[{"text":"I really appreciate it.","start":2190.78,"end":2191.9802,"sentiment":"positive","sentiment_score":0.8753089010715485},{"text":"I'm looking forward to putting this together for you.","start":2191.9802,"end":2193.74,"sentiment":"positive","sentiment_score":0.861008518271976},{"text":"And, again, if there's anything you need, please let me know.","start":2193.74,"end":2195.9001,"sentiment":"positive","sentiment_score":0.5610621842471036},{"text":"I'm more than happy to help.","start":2195.9001,"end":2197.4402,"sentiment":"positive","sentiment_score":0.7986046969890594},{"text":"Thanks.","start":2199.635,"end":2200.135,"sentiment":"positive","sentiment_score":0.7526084780693054}],"sentiment":"positive","sentiment_score":0.7408462243695413,"num_words":31,"start":2190.78,"end":2200.135},{"sentences":[{"text":"Enjoy your week.","start":2200.195,"end":2200.915,"sentiment":"positive","sentiment_score":0.7620130379994711},{"text":"Enjoy your weekend.","start":2200.915,"end":2201.895,"sentiment":"positive","sentiment_score":0.7407891949017843},{"text":"Thank you.","start":2204.355,"end":2204.835,"sentiment":"positive","sentiment_score":0.6712955236434937},{"text":"See you later.","start":2204.835,"end":2205.655,"sentiment":"neutral","sentiment_score":0.29530858745177585}],"sentiment":"positive","sentiment_score":0.6124475916678255,"num_words":11,"start":2200.195,"end":2205.655}]}}]},{"alternatives":[{"transcript":"Hello. Hi, Jane. Yes. How are you? Yeah. Perfect. Yeah. Of course. That's good. Yes. So Sarah Bethany, 02/24/1992 And 20 Delvio Crescent Creme Bernoff. Yeah. Good. How's yours been? Have you been away? Oh, yes. No. That's great. Yeah. Yeah. That's right. The client property. Yeah. Yep. No. It's alright. Yeah. Yeah. Yeah. That's right. Yeah. Yeah. That's right. Yeah. That's right. Yeah. That's right. That's sitting in my offset. And but we did we basically used to settle on the land that we purchased, we had to use that essentially and some more. So it's kind of yeah. So we had to pay a 130 to settle the land, 130,000. So yeah. Even though we've added anything, that's kind of gone. Yeah. That's right. Yep. Mhmm. Yeah. Good. We are middle of town planning, like, during the advertising period. So there is one objection and the for the build. So the town with the objective to kind of alleviate that to continue pushing through the town planning phase. So that is finished. We should be able to get to working drawings in the next six to eight weeks, which means that they can start quoting and start building kind of within probably November. December is when they might be able to start building. But, you know, it might push out to January if there's any other further issues. Yeah. Oh, yes. 300 and three hundred and forty Pomo Parade, C O M O, Parade West in Park Deck. It's actually 296,000. Yeah. So it's yeah. Yeah. Hopefully. We'll see how it all goes, but it should be around that. Yeah. Yep. Something like that. Yeah. That was potentially adding some extra funds into the loan, but I'm thinking what we'll do is we'll keep the loan in the off we'll keep the money in the offset rather than adding it to the loan. But I'll just I'm I'm not really sure. I'll see how it goes. Like, that's why I thought maybe I'll chat to you. Like, I'll just see what what kind of work. Yeah. He said the builder said roughly nine months. So yeah. So from kind of, you know, somewhere between November and January, they'll start, and then there'll be nine months to build it. Yep. Yep. I think just work oh, yeah. Maybe if the if there's an option to run them both side by side to see what's the option. Yeah. Absolutely. Because, I guess I can give you an update on our current availability for you know, after all said and done with settling the property, getting the as well as, you know, settling the land, etcetera. So in my offset currently, I've got 221,000 and available, and then Yani has McCrory. He's got 67.5. No. So the the the off the 221 is sitting in my our principal place of residence offset, and Yanni, 67,000 is sitting in a high interest saver. Because this home's sold, and the Queensland property is in my name. And it's an interest only loan, so I don't have an offset account. Oh, sorry. The one is a Queensland property. Yeah. That's so you speak yeah. Yes. I updated budget. Hold on. Did I send you the wrong one? Because yeah. Hopefully, the September 1 should have had nothing to do with Clyde on there. But if I sent you so Yanni's September 2026. Have you got that one? Is that one moved all of his yeah. Which can also check it's quite changes a little bit too with you. Yes. I think because yeah. I'm glad we're meeting now because I think it was a little bit confusing. With all of the changes, you know, we didn't know if we're gonna get the land or the house was gonna sell. So that's all good. Yes. Yes. Yes. Yep. Yes. Yes. I just took that from the latest statement from the last financial yeah. Like, there's some recurring things like the, you know, Mhmm. Mhmm. Yeah. December 5 at end. So he's very busy trying to finish his course and apply for jobs. His lawyer his personal injury lawyer is trying to see if maybe his income protection can take over if he hasn't got a job by then. But, yeah, it's just hopefully he has been trying for a long time, but I think because he's been out of the industry for so long, he's planning to contact some recruiters as well because I think yeah. It's just hard because he can't go back to officially plumbing, but he can potentially do supervising, teaching, something else that isn't, you know, hands on the tool. But it's just kinda hard to yeah. Yeah. Yeah. I think for his well-being, I think it'll be so good if he can just get something that he's interested in. Yeah. Just say my name. Yeah. Just fifty fifty between us. Yeah. I mean, it might be, you know, $8.50 to $9.50 or, you know, $8.50 to 1,000. Yeah. I'm not really sure. That was the quote that I got from the agent. Yeah. So I think definitely the 30,000 will need to remain for all the interest up until build that will hopefully claim against for, you know, our income tax down the track because it's an entry property. So we'll yeah. I've planned to keep the 30,000 definitely. Yeah. So that's just sitting in my offset account, and it will be paying down the interest only loan of the bill. Yeah. So would you come out? Okay. My Cranbourne North property. Yeah. Yeah. That's the plan. Yeah. It was 8.39 that we but, yeah, probably after the interest rate rise, it's gonna go up to point 25%. So it'll go up to what? Point two. I think it was 8.39. Let me just check. Yeah. So it'll go to 8.64. Yes. Yeah. So we're paying that on the 206,000 until we construct until we can move to a construction finance. My brother said that once Johnny gets a job and we move to construction finance, we can potentially reduce it to a 6% rate. But that would just on because he's on work cover and we had to use a high rate for the settlement, yeah, we couldn't find any other major lender that would offer a yeah. Yep. Yes. Yes. Yes. Let me just find out for you. Yeah. I think I've got a is there a 6% for the let me just bring up my Yeah. I think what the agent because I was just asking the agent about a few things. Marketing fee. Yeah. The management fee was 6%. Yeah. We've actually we have that. So the cancel rate is 1,027 per year with its current because it's based on land valuation. But I'm yeah. So that's the current rate. We will be paying land tax as well, which is about 1,700 a year. And then what about insurance? Yeah. Insurances, I'm assuming, will be around, you know, 2,000. And then, you know, you've got the pest management and all that stuff similar to that now, which will be a few $100 as well. Yeah. Just maintenance. That's fine. Yep. Yep. No. I think that's all good. Yep. No. That's the, like, contracted amount, 680. And then I just added in my I just added all those fees so that it gets removed from that total amount. But that's going to go up in February. So probably around $7.10 or something. Oh, yes. Good question. So Parkdale, I'm paying more. Sorry. Not Parkdale. Cranbourne North, I'm paying more than the contracted amount. But Parkdale and Vanya, I'm only paying interest only at the minimum interest amount that I have to yep. Oh, yeah. Okay. Oh, the loan? 4 150. Yeah. Let me just get that for you. It might go up again, but my interest rate is 6.51. Yeah. Yeah. That's the same. Yep. Yes. Yeah. So I'm assuming all of these are gonna go up by 2.5. Let me just go yeah. So my current interest rate for my Cranbourne North property is 5.94. Yeah. No. That's right. That's right. Just trying to figure out, you know, what the best way to manage it is. Yeah. Generally, my broker says I can do interest only for five years. So yeah. Potentially, I'll do the five. Otherwise, I'm not really sure. I less, but I guess my plan is to go five and just offset the interest. I wasn't really sure, to be honest. I I yeah. I don't know. I'm happy to take advice because I guess it's hard because the offset in just because of the tax reasons, I've put it into the principal place of residence. But, yeah, that's kind of my thinking behind it. But if there's another alternative, then I'm happy to. Yeah. Yeah. Yeah. That's right. Yep. Yeah. No worries. Will do. Yeah. Potentially, everything as a whole. I'm not sure how yeah. I just don't know where the money will come from. And it depends on Yanni's job, but I'm happy to potentially, you know, add more to super if there's capacity to. No. That sounds really good. Yeah. That's right. I think we're planning to keep but, you know, if a situation arises where it's better to sell, then we may sell. But at this time, we're just planning to, yeah, go ahead with keeping them both the and then our principal place of residence. Yep. No. I think that's it. Just, you know, trying to work next steps out. Yep. Oh, yeah. That's perfect. Yeah. That's good. Yeah. I have. Of course. Yeah. Yeah. I'll send it back to you. Yes. Yeah. No worries. Did you want me to do or did you want me to just call up? How how did you want okay. So either Mondays Wednesdays are best for me. Either or. Afternoon's fine. Oh, good. Yeah. 04:30 probably better than I yeah. Finish work. Yeah. Yes. Yes. Yeah. That's great. Thank you so much. Yes. I'm good. Thanks so much. And that's so good. I think I'll I'll just update you with the latest return information, and then I'll let you know if there's any interest rate changes. Yeah. Otherwise, we'll just assure that they're just the point 25% is being added. Is that right? Yep. Alright. Right. Thanks so much. Thanks, Dana. Yeah. You too. Thanks. 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Hi, Jane. Yes. How are you? Yeah.\n\nPerfect. Yeah. Of course. That's good. Yes.\n\nSo Sarah Bethany, 02/24/1992 And 20 Delvio Crescent Creme Bernoff. Yeah. Good. How's yours been? Have you been away?\n\nOh, yes. No. That's great. Yeah. Yeah.\n\nThat's right. The client property. Yeah. Yep. No.\n\nIt's alright. Yeah. Yeah. Yeah. That's right.\n\nYeah. Yeah. That's right. Yeah. That's right.\n\nYeah. That's right. That's sitting in my offset. And but we did we basically used to settle on the land that we purchased, we had to use that essentially and some more. So it's kind of yeah.\n\nSo we had to pay a 130 to settle the land, 130,000. So yeah. Even though we've added anything, that's kind of gone. Yeah. That's right.\n\nYep. Mhmm. Yeah. Good. We are middle of town planning, like, during the advertising period.\n\nSo there is one objection and the for the build. So the town with the objective to kind of alleviate that to continue pushing through the town planning phase. So that is finished. We should be able to get to working drawings in the next six to eight weeks, which means that they can start quoting and start building kind of within probably November. December is when they might be able to start building.\n\nBut, you know, it might push out to January if there's any other further issues. Yeah. Oh, yes. 300 and three hundred and forty Pomo Parade, C O M O, Parade West in Park Deck. It's actually 296,000.\n\nYeah. So it's yeah. Yeah. Hopefully. We'll see how it all goes, but it should be around that.\n\nYeah. Yep. Something like that. Yeah. That was potentially adding some extra funds into the loan, but I'm thinking what we'll do is we'll keep the loan in the off we'll keep the money in the offset rather than adding it to the loan.\n\nBut I'll just I'm I'm not really sure. I'll see how it goes. Like, that's why I thought maybe I'll chat to you. Like, I'll just see what what kind of work. Yeah.\n\nHe said the builder said roughly nine months. So yeah. So from kind of, you know, somewhere between November and January, they'll start, and then there'll be nine months to build it. Yep. Yep.\n\nI think just work oh, yeah. Maybe if the if there's an option to run them both side by side to see what's the option. Yeah. Absolutely. Because, I guess I can give you an update on our current availability for you know, after all said and done with settling the property, getting the as well as, you know, settling the land, etcetera.\n\nSo in my offset currently, I've got 221,000 and available, and then Yani has McCrory. He's got 67.5. No. So the the the off the 221 is sitting in my our principal place of residence offset, and Yanni, 67,000 is sitting in a high interest saver. Because this home's sold, and the Queensland property is in my name.\n\nAnd it's an interest only loan, so I don't have an offset account. Oh, sorry. The one is a Queensland property. Yeah. That's so you speak yeah.\n\nYes. I updated budget. Hold on. Did I send you the wrong one? Because yeah.\n\nHopefully, the September 1 should have had nothing to do with Clyde on there. But if I sent you so Yanni's September 2026. Have you got that one? Is that one moved all of his yeah. Which can also check it's quite changes a little bit too with you.\n\nYes. I think because yeah. I'm glad we're meeting now because I think it was a little bit confusing. With all of the changes, you know, we didn't know if we're gonna get the land or the house was gonna sell. So that's all good.\n\nYes. Yes. Yes. Yep. Yes.\n\nYes. I just took that from the latest statement from the last financial yeah. Like, there's some recurring things like the, you know, Mhmm. Mhmm. Yeah.\n\nDecember 5 at end. So he's very busy trying to finish his course and apply for jobs. His lawyer his personal injury lawyer is trying to see if maybe his income protection can take over if he hasn't got a job by then. But, yeah, it's just hopefully he has been trying for a long time, but I think because he's been out of the industry for so long, he's planning to contact some recruiters as well because I think yeah. It's just hard because he can't go back to officially plumbing, but he can potentially do supervising, teaching, something else that isn't, you know, hands on the tool.\n\nBut it's just kinda hard to yeah. Yeah. Yeah. I think for his well-being, I think it'll be so good if he can just get something that he's interested in. Yeah.\n\nJust say my name. Yeah. Just fifty fifty between us. Yeah. I mean, it might be, you know, $8.50 to $9.50 or, you know, $8.50 to 1,000.\n\nYeah. I'm not really sure. That was the quote that I got from the agent. Yeah. So I think definitely the 30,000 will need to remain for all the interest up until build that will hopefully claim against for, you know, our income tax down the track because it's an entry property.\n\nSo we'll yeah. I've planned to keep the 30,000 definitely. Yeah. So that's just sitting in my offset account, and it will be paying down the interest only loan of the bill. Yeah.\n\nSo would you come out? Okay. My Cranbourne North property. Yeah. Yeah.\n\nThat's the plan. Yeah. It was 8.39 that we but, yeah, probably after the interest rate rise, it's gonna go up to point 25%. So it'll go up to what? Point two.\n\nI think it was 8.39. Let me just check. Yeah. So it'll go to 8.64. Yes.\n\nYeah. So we're paying that on the 206,000 until we construct until we can move to a construction finance. My brother said that once Johnny gets a job and we move to construction finance, we can potentially reduce it to a 6% rate. But that would just on because he's on work cover and we had to use a high rate for the settlement, yeah, we couldn't find any other major lender that would offer a yeah. Yep.\n\nYes. Yes. Yes. Let me just find out for you. Yeah.\n\nI think I've got a is there a 6% for the let me just bring up my Yeah. I think what the agent because I was just asking the agent about a few things. Marketing fee. Yeah. The management fee was 6%.\n\nYeah. We've actually we have that. So the cancel rate is 1,027 per year with its current because it's based on land valuation. But I'm yeah. So that's the current rate.\n\nWe will be paying land tax as well, which is about 1,700 a year. And then what about insurance? Yeah. Insurances, I'm assuming, will be around, you know, 2,000. And then, you know, you've got the pest management and all that stuff similar to that now, which will be a few $100 as well.\n\nYeah. Just maintenance. That's fine. Yep. Yep.\n\nNo. I think that's all good. Yep. No. That's the, like, contracted amount, 680.\n\nAnd then I just added in my I just added all those fees so that it gets removed from that total amount. But that's going to go up in February. So probably around $7.10 or something. Oh, yes. Good question.\n\nSo Parkdale, I'm paying more. Sorry. Not Parkdale. Cranbourne North, I'm paying more than the contracted amount. But Parkdale and Vanya, I'm only paying interest only at the minimum interest amount that I have to yep.\n\nOh, yeah. Okay. Oh, the loan? 4 150. Yeah.\n\nLet me just get that for you. It might go up again, but my interest rate is 6.51. Yeah. Yeah. That's the same.\n\nYep. Yes. Yeah. So I'm assuming all of these are gonna go up by 2.5. Let me just go yeah.\n\nSo my current interest rate for my Cranbourne North property is 5.94. Yeah. No. That's right. That's right.\n\nJust trying to figure out, you know, what the best way to manage it is. Yeah. Generally, my broker says I can do interest only for five years. So yeah. Potentially, I'll do the five.\n\nOtherwise, I'm not really sure. I less, but I guess my plan is to go five and just offset the interest. I wasn't really sure, to be honest. I I yeah. I don't know.\n\nI'm happy to take advice because I guess it's hard because the offset in just because of the tax reasons, I've put it into the principal place of residence. But, yeah, that's kind of my thinking behind it. But if there's another alternative, then I'm happy to. Yeah. Yeah.\n\nYeah. That's right. Yep. Yeah. No worries.\n\nWill do. Yeah. Potentially, everything as a whole. I'm not sure how yeah. I just don't know where the money will come from.\n\nAnd it depends on Yanni's job, but I'm happy to potentially, you know, add more to super if there's capacity to. No. That sounds really good. Yeah. That's right.\n\nI think we're planning to keep but, you know, if a situation arises where it's better to sell, then we may sell. But at this time, we're just planning to, yeah, go ahead with keeping them both the and then our principal place of residence. Yep. No. I think that's it.\n\nJust, you know, trying to work next steps out. Yep. Oh, yeah. That's perfect. Yeah.\n\nThat's good. Yeah. I have. Of course. Yeah.\n\nYeah. I'll send it back to you. Yes. Yeah. No worries.\n\nDid you want me to do or did you want me to just call up? How how did you want okay. So either Mondays Wednesdays are best for me. Either or. Afternoon's fine.\n\nOh, good. Yeah. 04:30 probably better than I yeah. Finish work. Yeah.\n\nYes. Yes. Yeah. That's great. Thank you so much.\n\nYes. I'm good. Thanks so much. And that's so good. I think I'll I'll just update you with the latest return information, and then I'll let you know if there's any interest rate changes.\n\nYeah. Otherwise, we'll just assure that they're just the point 25% is being added. Is that right? Yep. Alright.\n\nRight. Thanks so much. Thanks, Dana. Yeah. You too.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.03542817384004593},{"text":"Hi, Jane.","start":2.72,"end":3.54,"sentiment":"neutral","sentiment_score":0.07293526083230972},{"text":"Yes.","start":6.7999997,"end":7.2,"sentiment":"neutral","sentiment_score":0.12284514307975768},{"text":"How are you?","start":7.2,"end":7.94,"sentiment":"neutral","sentiment_score":0.15027604003747305},{"text":"Yeah.","start":14.799999,"end":15.2,"sentiment":"neutral","sentiment_score":0.26715588569641113}],"sentiment":"neutral","sentiment_score":0.12776598054915667,"num_words":8,"start":1.68,"end":15.2},{"sentences":[{"text":"Perfect.","start":15.2,"end":15.7,"sentiment":"positive","sentiment_score":0.5841563940048218},{"text":"Yeah.","start":23.615,"end":23.935,"sentiment":"neutral","sentiment_score":0.13954171538352966},{"text":"Of 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away?","start":53.255,"end":54.235,"sentiment":"neutral","sentiment_score":-0.05074797198176384}],"sentiment":"neutral","sentiment_score":0.03274043649435043,"num_words":19,"start":36.12,"end":54.235},{"sentences":[{"text":"Oh, yes.","start":67.55,"end":68.29,"sentiment":"neutral","sentiment_score":0.10424353927373886},{"text":"No.","start":68.43,"end":68.91,"sentiment":"neutral","sentiment_score":0.089448481798172},{"text":"That's great.","start":68.91,"end":69.73,"sentiment":"neutral","sentiment_score":0.1531970277428627},{"text":"Yeah.","start":95.130005,"end":95.61,"sentiment":"neutral","sentiment_score":0.0235703457146883},{"text":"Yeah.","start":95.61,"end":96.01,"sentiment":"neutral","sentiment_score":0.023844219744205475}],"sentiment":"neutral","sentiment_score":0.09310631161289555,"num_words":7,"start":67.55,"end":96.01},{"sentences":[{"text":"That's right.","start":96.01,"end":96.81,"sentiment":"neutral","sentiment_score":0.025293750688433647},{"text":"The client 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right.","start":135.545,"end":136.36499,"sentiment":"neutral","sentiment_score":0.0983794704079628}],"sentiment":"neutral","sentiment_score":0.08616332124386515,"num_words":7,"start":124.0,"end":136.36499},{"sentences":[{"text":"Yeah.","start":151.72,"end":152.04001,"sentiment":"neutral","sentiment_score":0.04487451910972595},{"text":"That's right.","start":152.04001,"end":152.86,"sentiment":"neutral","sentiment_score":0.09310825169086456},{"text":"That's sitting in my offset.","start":158.345,"end":160.205,"sentiment":"neutral","sentiment_score":-0.0024295659735798837},{"text":"And but we did we basically used to settle on the land that we purchased, we had to use that essentially and some more.","start":160.425,"end":168.99,"sentiment":"neutral","sentiment_score":-0.01946387152808408},{"text":"So it's kind of yeah.","start":168.99,"end":172.69,"sentiment":"neutral","sentiment_score":-0.011694282665848732}],"sentiment":"neutral","sentiment_score":-0.00828813884810016,"num_words":37,"start":151.72,"end":172.69},{"sentences":[{"text":"So we had to pay a 130 to settle the land, 130,000.","start":172.75,"end":176.85,"sentiment":"neutral","sentiment_score":-0.007330455429231127},{"text":"So yeah.","start":177.23001,"end":178.13,"sentiment":"neutral","sentiment_score":-0.052322546020150185},{"text":"Even though we've added anything, that's kind of gone.","start":178.35,"end":181.01001,"sentiment":"neutral","sentiment_score":-0.15103679812616772},{"text":"Yeah.","start":189.05501,"end":189.295,"sentiment":"neutral","sentiment_score":0.03417576476931572},{"text":"That's 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build.","start":212.285,"end":216.065,"sentiment":"neutral","sentiment_score":-0.1067049853503704},{"text":"So the town with the objective to kind of alleviate that to continue pushing through the town planning phase.","start":216.205,"end":224.58,"sentiment":"neutral","sentiment_score":-0.03477436147238079},{"text":"So that is finished.","start":224.64,"end":226.58,"sentiment":"neutral","sentiment_score":0.027354860678315163},{"text":"We should be able to get to working drawings in the next six to eight weeks, which means that they can start quoting and start building kind of within probably November.","start":228.4,"end":240.00499,"sentiment":"neutral","sentiment_score":0.06879299134016037},{"text":"December is when they might be able to start building.","start":242.065,"end":245.925,"sentiment":"neutral","sentiment_score":0.02888604151085019}],"sentiment":"neutral","sentiment_score":0.010852700917402635,"num_words":74,"start":212.285,"end":245.925},{"sentences":[{"text":"But, you know, it might push out to January if there's any other further issues.","start":246.86499,"end":251.525,"sentiment":"neutral","sentiment_score":-0.014728101591269175},{"text":"Yeah.","start":273.785,"end":274.285,"sentiment":"neutral","sentiment_score":0.006136787123978138},{"text":"Oh, yes.","start":274.42502,"end":275.165,"sentiment":"neutral","sentiment_score":0.003292534966021776},{"text":"300 and three hundred and forty Pomo Parade, C O M O, Parade West in Park Deck.","start":275.46503,"end":292.27,"sentiment":"neutral","sentiment_score":0.007500298184287899},{"text":"It's actually 296,000.","start":306.505,"end":308.89,"sentiment":"neutral","sentiment_score":-0.014491839955250422}],"sentiment":"neutral","sentiment_score":-0.003267634672259814,"num_words":38,"start":246.86499,"end":308.89},{"sentences":[{"text":"Yeah.","start":308.89,"end":309.31,"sentiment":"neutral","sentiment_score":0.01040739193558693},{"text":"So it's yeah.","start":309.31,"end":310.88998,"sentiment":"neutral","sentiment_score":0.016547587389747303},{"text":"Yeah.","start":319.35,"end":319.59,"sentiment":"neutral","sentiment_score":0.031113389879465103},{"text":"Hopefully.","start":319.59,"end":320.09,"sentiment":"neutral","sentiment_score":0.07871881127357483},{"text":"We'll see how it all goes, but it should be around that.","start":320.15,"end":322.55,"sentiment":"neutral","sentiment_score":0.04204765303681294}],"sentiment":"neutral","sentiment_score":0.03746967731664578,"num_words":18,"start":308.89,"end":322.55},{"sentences":[{"text":"Yeah.","start":322.55,"end":322.995,"sentiment":"neutral","sentiment_score":0.08954226970672607},{"text":"Yep.","start":347.06,"end":347.38,"sentiment":"neutral","sentiment_score":0.049194347113370895},{"text":"Something like that.","start":347.38,"end":348.44,"sentiment":"neutral","sentiment_score":0.06238098815083504},{"text":"Yeah.","start":366.435,"end":366.755,"sentiment":"neutral","sentiment_score":0.04031842201948166},{"text":"That was potentially adding some extra funds into the loan, but I'm thinking what we'll do is we'll keep the loan in the off we'll keep the money in the offset rather than adding it to the loan.","start":366.755,"end":377.34,"sentiment":"neutral","sentiment_score":0.016131345378725154}],"sentiment":"neutral","sentiment_score":0.022254298356446354,"num_words":44,"start":322.55,"end":377.34},{"sentences":[{"text":"But I'll just I'm I'm not really sure.","start":378.59998,"end":381.195,"sentiment":"neutral","sentiment_score":-0.06757701095193624},{"text":"I'll see how it goes.","start":381.195,"end":382.395,"sentiment":"neutral","sentiment_score":-0.020626816153526305},{"text":"Like, that's why I thought maybe I'll chat to you.","start":382.395,"end":384.315,"sentiment":"neutral","sentiment_score":-0.027221874706447123},{"text":"Like, I'll just see what what kind of work.","start":384.315,"end":388.415,"sentiment":"neutral","sentiment_score":-0.047039083722564906},{"text":"Yeah.","start":403.88,"end":404.36002,"sentiment":"neutral","sentiment_score":0.012797657400369644}],"sentiment":"neutral","sentiment_score":-0.04019766701667598,"num_words":33,"start":378.59998,"end":404.36002},{"sentences":[{"text":"He said the builder said roughly nine months.","start":404.36002,"end":406.7,"sentiment":"neutral","sentiment_score":-0.0038051551673561335},{"text":"So yeah.","start":408.36002,"end":409.26,"sentiment":"neutral","sentiment_score":0.15501315146684647},{"text":"So from kind of, you know, somewhere between November and January, they'll start, and then there'll be nine months to build it.","start":409.4,"end":417.125,"sentiment":"neutral","sentiment_score":0.098437032408335},{"text":"Yep.","start":417.125,"end":417.625,"sentiment":"neutral","sentiment_score":0.1829032152891159},{"text":"Yep.","start":423.285,"end":423.785,"sentiment":"neutral","sentiment_score":0.26741114258766174}],"sentiment":"neutral","sentiment_score":0.08516218036632328,"num_words":34,"start":404.36002,"end":423.785},{"sentences":[{"text":"I think just work oh, yeah.","start":446.335,"end":448.175,"sentiment":"neutral","sentiment_score":0.05145689845085144},{"text":"Maybe if the if there's an option to run them both side by side to see what's the option.","start":448.175,"end":452.915,"sentiment":"neutral","sentiment_score":0.02570380035199617},{"text":"Yeah.","start":454.14,"end":454.46002,"sentiment":"neutral","sentiment_score":0.11539804935455322},{"text":"Absolutely.","start":454.46002,"end":454.96002,"sentiment":"neutral","sentiment_score":0.19901731610298157},{"text":"Because, I guess I can give you an update on our current availability for you know, after all said and done with settling the property, getting the as well as, you know, settling the land, etcetera.","start":455.26,"end":468.32,"sentiment":"neutral","sentiment_score":0.07462859195139673}],"sentiment":"neutral","sentiment_score":0.0602882265571564,"num_words":63,"start":446.335,"end":468.32},{"sentences":[{"text":"So in my offset currently, I've got 221,000 and available, and then Yani has McCrory.","start":470.25497,"end":481.79498,"sentiment":"neutral","sentiment_score":0.021286289704342685},{"text":"He's got 67.5.","start":483.79,"end":486.85,"sentiment":"neutral","sentiment_score":0.020869463061292965},{"text":"No.","start":497.79498,"end":498.115,"sentiment":"neutral","sentiment_score":-0.08635071665048599},{"text":"So the the the off the 221 is sitting in my our principal place of residence offset, and Yanni, 67,000 is sitting in a high interest saver.","start":498.115,"end":513.36,"sentiment":"neutral","sentiment_score":-0.05439488751882756},{"text":"Because this home's sold, and the Queensland property is in my name.","start":515.34,"end":520.7,"sentiment":"neutral","sentiment_score":-0.06293013133108616}],"sentiment":"neutral","sentiment_score":-0.03324606070487664,"num_words":58,"start":470.25497,"end":520.7},{"sentences":[{"text":"And it's an interest only loan, so I don't have an offset account.","start":520.7,"end":524.0,"sentiment":"neutral","sentiment_score":-0.12430268239516479},{"text":"Oh, sorry.","start":536.575,"end":537.215,"sentiment":"neutral","sentiment_score":-0.05903524160385132},{"text":"The one is a Queensland property.","start":537.215,"end":540.03503,"sentiment":"neutral","sentiment_score":-0.06034948987265428},{"text":"Yeah.","start":547.99,"end":548.49,"sentiment":"neutral","sentiment_score":-0.010291339829564096},{"text":"That's so you speak 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on there.","start":579.85,"end":584.625,"sentiment":"neutral","sentiment_score":-0.046820573774831634},{"text":"But if I sent you so Yanni's September 2026.","start":584.625,"end":596.625,"sentiment":"neutral","sentiment_score":-0.005790191948310369},{"text":"Have you got that one?","start":596.625,"end":597.845,"sentiment":"neutral","sentiment_score":-0.0009647613391280174},{"text":"Is that one moved all of his yeah.","start":599.34,"end":610.3,"sentiment":"neutral","sentiment_score":-0.03291834518313408},{"text":"Which can also check it's quite changes a little bit too with you.","start":610.3,"end":617.275,"sentiment":"neutral","sentiment_score":-0.04386945964338688}],"sentiment":"neutral","sentiment_score":-0.031552516406268945,"num_words":49,"start":579.85,"end":617.275},{"sentences":[{"text":"Yes.","start":631.79004,"end":632.29004,"sentiment":"neutral","sentiment_score":0.09015223383903503},{"text":"I think because 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good.","start":668.36,"end":669.5,"sentiment":"neutral","sentiment_score":0.21653924137353897}],"sentiment":"neutral","sentiment_score":0.0003055493864748213,"num_words":45,"start":631.79004,"end":669.5},{"sentences":[{"text":"Yes.","start":688.07996,"end":688.57996,"sentiment":"neutral","sentiment_score":0.018520735204219815},{"text":"Yes.","start":698.95996,"end":699.45996,"sentiment":"positive","sentiment_score":0.36428433656692505},{"text":"Yes.","start":704.215,"end":704.375,"sentiment":"neutral","sentiment_score":0.14420753717422485},{"text":"Yep.","start":704.375,"end":704.875,"sentiment":"neutral","sentiment_score":0.26103127002716064},{"text":"Yes.","start":718.13995,"end":718.63995,"sentiment":"neutral","sentiment_score":0.036541178822517395}],"sentiment":"neutral","sentiment_score":0.16491701155900956,"num_words":5,"start":688.07996,"end":718.63995},{"sentences":[{"text":"Yes.","start":721.42,"end":721.92,"sentiment":"neutral","sentiment_score":0.11209967732429504},{"text":"I just took that from the latest statement from the last financial yeah.","start":722.06,"end":726.95996,"sentiment":"neutral","sentiment_score":0.02844963874667883},{"text":"Like, there's some recurring things like the, you know, Mhmm.","start":727.01996,"end":730.79504,"sentiment":"neutral","sentiment_score":-0.005114848911762238},{"text":"Mhmm.","start":748.9,"end":749.4,"sentiment":"neutral","sentiment_score":0.057810910046100616},{"text":"Yeah.","start":764.80505,"end":765.205,"sentiment":"neutral","sentiment_score":-0.03972210735082626}],"sentiment":"neutral","sentiment_score":0.0172648190234143,"num_words":26,"start":721.42,"end":765.205},{"sentences":[{"text":"December 5 at end.","start":765.205,"end":766.965,"sentiment":"neutral","sentiment_score":-0.06139038410037756},{"text":"So he's very busy trying to finish his course and apply for jobs.","start":766.965,"end":772.185,"sentiment":"neutral","sentiment_score":-0.10741960142667477},{"text":"His lawyer his personal injury lawyer is trying to see if maybe his income protection can take over if he hasn't got a job by then.","start":773.51,"end":783.61,"sentiment":"neutral","sentiment_score":-0.10007278391948113},{"text":"But, yeah, it's just hopefully he has been trying for a long time, but I think because he's been out of the industry for so long, he's planning to contact some recruiters as well because I think yeah.","start":784.94995,"end":798.445,"sentiment":"neutral","sentiment_score":-0.026371220469866927},{"text":"It's just hard because he can't go back to officially plumbing, but he can potentially do supervising, teaching, something else that isn't, you know, hands on the tool.","start":798.445,"end":807.80005,"sentiment":"neutral","sentiment_score":-0.07976112993700164}],"sentiment":"neutral","sentiment_score":-0.0686176766325301,"num_words":109,"start":765.205,"end":807.80005},{"sentences":[{"text":"But it's just kinda hard to yeah.","start":807.80005,"end":809.74005,"sentiment":"neutral","sentiment_score":-0.08937724626490048},{"text":"Yeah.","start":814.385,"end":814.885,"sentiment":"positive","sentiment_score":0.4145876169204712},{"text":"Yeah.","start":828.07,"end":828.47,"sentiment":"neutral","sentiment_score":0.29760903120040894},{"text":"I think for his well-being, I think it'll be so good if he can just get something that he's interested in.","start":828.47,"end":833.51,"sentiment":"neutral","sentiment_score":0.33152419257731663},{"text":"Yeah.","start":833.51,"end":834.01,"sentiment":"neutral","sentiment_score":0.11240749061107635}],"sentiment":"neutral","sentiment_score":0.23099907932262267,"num_words":31,"start":807.80005,"end":834.01},{"sentences":[{"text":"Just say my name.","start":853.685,"end":854.82,"sentiment":"neutral","sentiment_score":0.012597667751833797},{"text":"Yeah.","start":866.74,"end":867.06,"sentiment":"neutral","sentiment_score":0.01964014582335949},{"text":"Just fifty fifty between us.","start":867.06,"end":868.84,"sentiment":"neutral","sentiment_score":0.020870434306561946},{"text":"Yeah.","start":887.37,"end":887.87,"sentiment":"neutral","sentiment_score":0.026050571352243423},{"text":"I mean, it might be, you know, $8.50 to $9.50 or, you know, $8.50 to 1,000.","start":888.01,"end":893.15,"sentiment":"neutral","sentiment_score":0.020278415002394468}],"sentiment":"neutral","sentiment_score":0.01944030369459479,"num_words":27,"start":853.685,"end":893.15},{"sentences":[{"text":"Yeah.","start":893.21,"end":893.45,"sentiment":"neutral","sentiment_score":-0.010265657678246498},{"text":"I'm not really sure.","start":893.45,"end":894.25,"sentiment":"neutral","sentiment_score":-0.055456397123634815},{"text":"That was the quote that I got from the agent.","start":894.25,"end":896.35004,"sentiment":"neutral","sentiment_score":-0.034288618713617325},{"text":"Yeah.","start":915.13,"end":915.52997,"sentiment":"neutral","sentiment_score":0.006059568375349045},{"text":"So I think definitely the 30,000 will need to remain for all the interest up until build that will hopefully claim against for, you know, our income tax down the track because it's an entry property.","start":915.52997,"end":930.205,"sentiment":"neutral","sentiment_score":0.01596242008316848}],"sentiment":"neutral","sentiment_score":0.00011017803962414084,"num_words":52,"start":893.21,"end":930.205},{"sentences":[{"text":"So we'll yeah.","start":930.58496,"end":932.90497,"sentiment":"neutral","sentiment_score":0.044187006851037346},{"text":"I've planned to keep the 30,000 definitely.","start":932.90497,"end":935.245,"sentiment":"neutral","sentiment_score":0.1074425359921796},{"text":"Yeah.","start":935.385,"end":935.88,"sentiment":"neutral","sentiment_score":0.20013321936130524},{"text":"So that's just sitting in my offset account, and it will be paying down the interest only loan of the bill.","start":953.865,"end":961.725,"sentiment":"neutral","sentiment_score":0.02319904880243398},{"text":"Yeah.","start":961.945,"end":962.445,"sentiment":"neutral","sentiment_score":0.0030778818763792515}],"sentiment":"neutral","sentiment_score":0.047728784805671734,"num_words":33,"start":930.58496,"end":962.445},{"sentences":[{"text":"So would you come out?","start":962.585,"end":964.765,"sentiment":"neutral","sentiment_score":-0.007769379392266273},{"text":"Okay.","start":965.625,"end":966.0,"sentiment":"neutral","sentiment_score":-0.014266110956668854},{"text":"My Cranbourne North property.","start":971.92,"end":973.46,"sentiment":"neutral","sentiment_score":0.013837746810168028},{"text":"Yeah.","start":975.68,"end":976.18,"sentiment":"neutral","sentiment_score":0.1798894703388214},{"text":"Yeah.","start":993.52496,"end":993.76495,"sentiment":"neutral","sentiment_score":0.1307792067527771}],"sentiment":"neutral","sentiment_score":0.0260755547011892,"num_words":12,"start":962.585,"end":993.76495},{"sentences":[{"text":"That's the plan.","start":993.76495,"end":994.745,"sentiment":"neutral","sentiment_score":0.1606766333182653},{"text":"Yeah.","start":1012.305,"end":1012.785,"sentiment":"neutral","sentiment_score":0.011205000802874563},{"text":"It was 8.39 that we but, yeah, probably after the interest rate rise, it's gonna go up to point 25%.","start":1012.785,"end":1021.52496,"sentiment":"neutral","sentiment_score":0.0051535448059439656},{"text":"So it'll go up to what?","start":1021.58496,"end":1024.885,"sentiment":"neutral","sentiment_score":0.007497988796482484},{"text":"Point two.","start":1026.1,"end":1026.6599,"sentiment":"neutral","sentiment_score":-0.00042558368295431137}],"sentiment":"neutral","sentiment_score":0.020013830071548,"num_words":32,"start":993.76495,"end":1026.6599},{"sentences":[{"text":"I think it was 8.39.","start":1026.6599,"end":1027.94,"sentiment":"neutral","sentiment_score":-0.00046857644338160753},{"text":"Let me just check.","start":1027.94,"end":1028.9199,"sentiment":"neutral","sentiment_score":0.0003766091540455818},{"text":"Yeah.","start":1031.2999,"end":1031.5399,"sentiment":"neutral","sentiment_score":0.05732003599405289},{"text":"So it'll go to 8.64.","start":1031.5399,"end":1033.48,"sentiment":"neutral","sentiment_score":0.06530617773532868},{"text":"Yes.","start":1053.5851,"end":1054.08,"sentiment":"neutral","sentiment_score":0.02699664793908596}],"sentiment":"neutral","sentiment_score":0.025625695438066032,"num_words":16,"start":1026.6599,"end":1054.08},{"sentences":[{"text":"Yeah.","start":1067.905,"end":1068.145,"sentiment":"neutral","sentiment_score":0.012492870911955832},{"text":"So we're paying that on the 206,000 until we construct until we can move to a construction finance.","start":1068.145,"end":1075.125,"sentiment":"neutral","sentiment_score":-0.0019608226591824656},{"text":"My brother said that once Johnny gets a job and we move to construction finance, we can potentially reduce it to a 6% rate.","start":1075.905,"end":1083.66,"sentiment":"neutral","sentiment_score":-0.002841462400586655},{"text":"But that would just on because he's on work cover and we had to use a high rate for the settlement, yeah, we couldn't find any other major lender that would offer a yeah.","start":1085.3401,"end":1097.68,"sentiment":"neutral","sentiment_score":-0.03474133587716257},{"text":"Yep.","start":1107.505,"end":1108.005,"sentiment":"neutral","sentiment_score":0.10901738703250884}],"sentiment":"neutral","sentiment_score":-0.014912629068697779,"num_words":78,"start":1067.905,"end":1108.005},{"sentences":[{"text":"Yes.","start":1123.8099,"end":1123.89,"sentiment":"neutral","sentiment_score":0.145137220621109},{"text":"Yes.","start":1123.89,"end":1124.39,"sentiment":"neutral","sentiment_score":0.2421784549951553},{"text":"Yes.","start":1142.805,"end":1143.305,"sentiment":"neutral","sentiment_score":0.0910993069410324},{"text":"Let me just find out for you.","start":1144.79,"end":1146.73,"sentiment":"neutral","sentiment_score":0.07697067729064397},{"text":"Yeah.","start":1149.43,"end":1149.67,"sentiment":"neutral","sentiment_score":0.05838189274072647}],"sentiment":"neutral","sentiment_score":0.09778105603023009,"num_words":11,"start":1123.8099,"end":1149.67},{"sentences":[{"text":"I think I've got a is there a 6% for the let me just bring up my Yeah.","start":1149.67,"end":1162.315,"sentiment":"neutral","sentiment_score":0.026226702456672985},{"text":"I think what the agent because I was just asking the agent about a few things.","start":1162.315,"end":1166.095,"sentiment":"neutral","sentiment_score":0.0034327037865296006},{"text":"Marketing fee.","start":1167.4349,"end":1168.655,"sentiment":"neutral","sentiment_score":-0.0020915591157972813},{"text":"Yeah.","start":1168.7949,"end":1169.035,"sentiment":"neutral","sentiment_score":0.008890056982636452},{"text":"The management fee was 6%.","start":1169.035,"end":1170.815,"sentiment":"neutral","sentiment_score":0.006424133293330669}],"sentiment":"neutral","sentiment_score":0.0134245597624353,"num_words":42,"start":1149.67,"end":1170.815},{"sentences":[{"text":"Yeah.","start":1182.91,"end":1183.23,"sentiment":"neutral","sentiment_score":0.003292316570878029},{"text":"We've actually we have that.","start":1183.23,"end":1184.75,"sentiment":"neutral","sentiment_score":-0.026059094816446304},{"text":"So the cancel rate is 1,027 per year with its current because it's based on land valuation.","start":1184.75,"end":1195.905,"sentiment":"neutral","sentiment_score":-0.034640589181114644},{"text":"But I'm yeah.","start":1196.125,"end":1198.125,"sentiment":"neutral","sentiment_score":0.027430898199478786},{"text":"So that's the current rate.","start":1198.125,"end":1199.825,"sentiment":"neutral","sentiment_score":0.031950699537992476}],"sentiment":"neutral","sentiment_score":-0.015285386493609797,"num_words":31,"start":1182.91,"end":1199.825},{"sentences":[{"text":"We will be paying land tax as well, which is about 1,700 a year.","start":1201.54,"end":1206.52,"sentiment":"neutral","sentiment_score":0.08373797897781644},{"text":"And then what about insurance?","start":1209.06,"end":1211.4,"sentiment":"neutral","sentiment_score":0.028458261489868165},{"text":"Yeah.","start":1215.0449,"end":1215.445,"sentiment":"neutral","sentiment_score":0.009948858059942722},{"text":"Insurances, I'm assuming, will be around, you know, 2,000.","start":1215.445,"end":1219.145,"sentiment":"neutral","sentiment_score":0.011780348192486498},{"text":"And then, you know, you've got the pest management and all that stuff similar to that now, which will be a few $100 as 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fine.","start":1237.22,"end":1237.86,"sentiment":"neutral","sentiment_score":0.054792214184999466},{"text":"Yep.","start":1237.86,"end":1238.36,"sentiment":"neutral","sentiment_score":0.02124333195388317},{"text":"Yep.","start":1242.02,"end":1242.465,"sentiment":"neutral","sentiment_score":0.13633418083190918}],"sentiment":"neutral","sentiment_score":0.04452951358897345,"num_words":7,"start":1236.02,"end":1242.465},{"sentences":[{"text":"No.","start":1259.62,"end":1259.86,"sentiment":"neutral","sentiment_score":-0.06454569846391678},{"text":"I think that's all good.","start":1259.86,"end":1261.16,"sentiment":"neutral","sentiment_score":-0.03531569540500641},{"text":"Yep.","start":1286.06,"end":1286.22,"sentiment":"neutral","sentiment_score":-0.005371084436774254},{"text":"No.","start":1286.22,"end":1286.62,"sentiment":"neutral","sentiment_score":-0.03607206046581268},{"text":"That's the, like, contracted amount, 680.","start":1286.62,"end":1290.38,"sentiment":"neutral","sentiment_score":-0.047332155207792916}],"sentiment":"neutral","sentiment_score":-0.04046858940273523,"num_words":14,"start":1259.62,"end":1290.38},{"sentences":[{"text":"And then I just added in my I just added all those fees so that it gets removed from that total amount.","start":1290.38,"end":1296.105,"sentiment":"neutral","sentiment_score":-0.046029853211207825},{"text":"But that's going to go up in February.","start":1296.345,"end":1298.765,"sentiment":"neutral","sentiment_score":0.027219000621698797},{"text":"So probably around $7.10 or something.","start":1300.4249,"end":1303.005,"sentiment":"neutral","sentiment_score":0.008851521027584871},{"text":"Oh, yes.","start":1344.88,"end":1345.44,"sentiment":"neutral","sentiment_score":-0.018006927333772182},{"text":"Good question.","start":1345.44,"end":1346.08,"sentiment":"neutral","sentiment_score":-0.016062197275459766}],"sentiment":"neutral","sentiment_score":-0.02024834721814841,"num_words":40,"start":1290.38,"end":1346.08},{"sentences":[{"text":"So Parkdale, I'm paying more.","start":1346.08,"end":1348.74,"sentiment":"neutral","sentiment_score":-0.038813823461532594},{"text":"Sorry.","start":1351.145,"end":1351.385,"sentiment":"neutral","sentiment_score":-0.06384605169296265},{"text":"Not Parkdale.","start":1351.385,"end":1352.125,"sentiment":"neutral","sentiment_score":-0.058812035247683525},{"text":"Cranbourne North, I'm paying more than the contracted amount.","start":1352.345,"end":1355.165,"sentiment":"neutral","sentiment_score":-0.051819021399650306},{"text":"But Parkdale and Vanya, I'm only paying interest only at the minimum interest amount that I have to yep.","start":1356.185,"end":1364.4451,"sentiment":"neutral","sentiment_score":-0.039033927611614526}],"sentiment":"neutral","sentiment_score":-0.04398764046426448,"num_words":36,"start":1346.08,"end":1364.4451},{"sentences":[{"text":"Oh, yeah.","start":1371.29,"end":1371.69,"sentiment":"neutral","sentiment_score":0.005208309972658753},{"text":"Okay.","start":1371.69,"end":1372.19,"sentiment":"neutral","sentiment_score":0.003464289009571075},{"text":"Oh, the loan?","start":1374.49,"end":1375.23,"sentiment":"neutral","sentiment_score":-0.011393458116799593},{"text":"4 150.","start":1375.85,"end":1377.07,"sentiment":"neutral","sentiment_score":-0.00152869732119143},{"text":"Yeah.","start":1382.1951,"end":1382.435,"sentiment":"neutral","sentiment_score":-0.014948038384318352}],"sentiment":"neutral","sentiment_score":-0.004256099824690157,"num_words":9,"start":1371.29,"end":1382.435},{"sentences":[{"text":"Let me just get that for you.","start":1382.435,"end":1384.055,"sentiment":"neutral","sentiment_score":0.020909878558346202},{"text":"It might go up again, but my interest rate is 6.51.","start":1386.755,"end":1391.015,"sentiment":"neutral","sentiment_score":-0.011238790201869879},{"text":"Yeah.","start":1399.75,"end":1400.25,"sentiment":"neutral","sentiment_score":0.06740960478782654},{"text":"Yeah.","start":1405.3501,"end":1405.5901,"sentiment":"neutral","sentiment_score":0.048818811774253845},{"text":"That's the same.","start":1405.5901,"end":1406.31,"sentiment":"neutral","sentiment_score":0.0645746576289336}],"sentiment":"neutral","sentiment_score":0.014464993353771128,"num_words":23,"start":1382.435,"end":1406.31},{"sentences":[{"text":"Yep.","start":1406.31,"end":1406.81,"sentiment":"neutral","sentiment_score":0.10925357043743134},{"text":"Yes.","start":1416.235,"end":1416.735,"sentiment":"neutral","sentiment_score":0.22127890586853027},{"text":"Yeah.","start":1426.63,"end":1427.13,"sentiment":"neutral","sentiment_score":0.04787454754114151},{"text":"So I'm assuming all of these are gonna go up by 2.5.","start":1427.51,"end":1430.89,"sentiment":"neutral","sentiment_score":0.059073613956570625},{"text":"Let me just go yeah.","start":1431.83,"end":1447.145,"sentiment":"neutral","sentiment_score":0.09014199078083038}],"sentiment":"neutral","sentiment_score":0.07690001726150512,"num_words":20,"start":1406.31,"end":1447.145},{"sentences":[{"text":"So my current interest rate for my Cranbourne North property is 5.94.","start":1447.2849,"end":1452.1599,"sentiment":"neutral","sentiment_score":0.0552363283932209},{"text":"Yeah.","start":1515.73,"end":1516.0499,"sentiment":"neutral","sentiment_score":0.005163275636732578},{"text":"No.","start":1516.0499,"end":1516.2899,"sentiment":"neutral","sentiment_score":-0.03492748737335205},{"text":"That's right.","start":1516.2899,"end":1517.11,"sentiment":"neutral","sentiment_score":0.03571109473705292},{"text":"That's right.","start":1517.33,"end":1517.97,"sentiment":"neutral","sentiment_score":0.1782156005501747}],"sentiment":"neutral","sentiment_score":0.05894028441980481,"num_words":18,"start":1447.2849,"end":1517.97},{"sentences":[{"text":"Just trying to figure out, you know, what the best way to manage it is.","start":1517.97,"end":1521.795,"sentiment":"positive","sentiment_score":0.33415048122406005},{"text":"Yeah.","start":1531.155,"end":1531.655,"sentiment":"neutral","sentiment_score":0.01995052583515644},{"text":"Generally, my broker says I can do interest only for five years.","start":1538.27,"end":1541.73,"sentiment":"neutral","sentiment_score":-0.025363645050674677},{"text":"So yeah.","start":1542.19,"end":1544.83,"sentiment":"neutral","sentiment_score":0.03989939112216234},{"text":"Potentially, I'll do the five.","start":1544.83,"end":1546.27,"sentiment":"neutral","sentiment_score":0.041967001557350156}],"sentiment":"neutral","sentiment_score":0.14335650838911534,"num_words":35,"start":1517.97,"end":1546.27},{"sentences":[{"text":"Otherwise, I'm not really sure.","start":1546.27,"end":1548.13,"sentiment":"neutral","sentiment_score":-0.0921895906329155},{"text":"I less, but I guess my plan is to go five and just offset the interest.","start":1548.47,"end":1554.245,"sentiment":"neutral","sentiment_score":-0.04014986380934715},{"text":"I wasn't really sure, to be honest.","start":1585.6951,"end":1587.475,"sentiment":"neutral","sentiment_score":-0.14861449599266052},{"text":"I I yeah.","start":1587.535,"end":1589.135,"sentiment":"neutral","sentiment_score":-0.04866569737593333},{"text":"I don't know.","start":1589.135,"end":1589.6951,"sentiment":"neutral","sentiment_score":-0.07005546987056732}],"sentiment":"neutral","sentiment_score":-0.07352384552359581,"num_words":34,"start":1546.27,"end":1589.6951},{"sentences":[{"text":"I'm happy to take advice because I guess it's hard because the offset in just because of the tax reasons, I've put it into the principal place of residence.","start":1589.6951,"end":1602.52,"sentiment":"neutral","sentiment_score":-0.13030193906662793},{"text":"But, yeah, that's kind of my thinking behind it.","start":1602.82,"end":1606.1799,"sentiment":"neutral","sentiment_score":0.06227423002322515},{"text":"But if there's another alternative, then I'm happy to.","start":1606.1799,"end":1608.6,"sentiment":"neutral","sentiment_score":0.2671632559763061},{"text":"Yeah.","start":1614.915,"end":1615.415,"sentiment":"neutral","sentiment_score":0.16394856572151184},{"text":"Yeah.","start":1633.17,"end":1633.41,"sentiment":"neutral","sentiment_score":0.09058524668216704}],"sentiment":"neutral","sentiment_score":-0.011413980541484696,"num_words":49,"start":1589.6951,"end":1633.41},{"sentences":[{"text":"Yeah.","start":1633.41,"end":1633.73,"sentiment":"neutral","sentiment_score":0.11296869069337843},{"text":"That's right.","start":1633.73,"end":1634.47,"sentiment":"neutral","sentiment_score":0.18680094182491302},{"text":"Yep.","start":1670.605,"end":1671.105,"sentiment":"neutral","sentiment_score":0.04338868707418442},{"text":"Yeah.","start":1686.3099,"end":1686.71,"sentiment":"neutral","sentiment_score":0.08258847892284393},{"text":"No worries.","start":1686.71,"end":1687.35,"sentiment":"neutral","sentiment_score":0.11753623187541962}],"sentiment":"neutral","sentiment_score":0.12108860058443886,"num_words":7,"start":1633.41,"end":1687.35},{"sentences":[{"text":"Will do.","start":1687.35,"end":1688.09,"sentiment":"neutral","sentiment_score":0.1978347897529602},{"text":"Yeah.","start":1721.165,"end":1721.565,"sentiment":"neutral","sentiment_score":-0.002742793411016464},{"text":"Potentially, everything as a whole.","start":1721.565,"end":1723.165,"sentiment":"neutral","sentiment_score":-0.02891213893890381},{"text":"I'm not sure how yeah.","start":1723.165,"end":1725.085,"sentiment":"neutral","sentiment_score":-0.11188278198242188},{"text":"I just don't know where the money will come from.","start":1725.085,"end":1727.085,"sentiment":"neutral","sentiment_score":-0.12202331200242042}],"sentiment":"neutral","sentiment_score":-0.06657743211025777,"num_words":23,"start":1687.35,"end":1727.085},{"sentences":[{"text":"And it depends on Yanni's job, but I'm happy to potentially, you know, add more to super if there's capacity to.","start":1727.085,"end":1733.985,"sentiment":"positive","sentiment_score":0.4260362370737961},{"text":"No.","start":1786.775,"end":1787.015,"sentiment":"neutral","sentiment_score":0.008654996752738953},{"text":"That sounds really good.","start":1787.015,"end":1788.2351,"sentiment":"neutral","sentiment_score":0.3146177753806114},{"text":"Yeah.","start":1808.245,"end":1808.565,"sentiment":"neutral","sentiment_score":0.03077668324112892},{"text":"That's right.","start":1808.565,"end":1809.0449,"sentiment":"neutral","sentiment_score":0.06291105598211288}],"sentiment":"positive","sentiment_score":0.35760296110449163,"num_words":29,"start":1727.085,"end":1809.0449},{"sentences":[{"text":"I think we're planning to keep but, you know, if a situation arises where it's better to sell, then we may 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out.","start":1841.495,"end":1845.095,"sentiment":"neutral","sentiment_score":0.014440149689714113},{"text":"Yep.","start":1845.095,"end":1845.595,"sentiment":"neutral","sentiment_score":0.09001132100820541},{"text":"Oh, yeah.","start":1869.135,"end":1869.535,"sentiment":"neutral","sentiment_score":0.211247518658638},{"text":"That's perfect.","start":1869.535,"end":1870.175,"sentiment":"positive","sentiment_score":0.5427984446287155},{"text":"Yeah.","start":1870.175,"end":1870.415,"sentiment":"positive","sentiment_score":0.3349156379699707}],"sentiment":"neutral","sentiment_score":0.137532015517354,"num_words":15,"start":1841.495,"end":1870.415},{"sentences":[{"text":"That's good.","start":1870.415,"end":1871.155,"sentiment":"positive","sentiment_score":0.5137825012207031},{"text":"Yeah.","start":1888.92,"end":1889.16,"sentiment":"neutral","sentiment_score":0.0743613988161087},{"text":"I have.","start":1889.16,"end":1889.8201,"sentiment":"neutral","sentiment_score":0.10631025582551956},{"text":"Of course.","start":1903.245,"end":1903.68,"sentiment":"neutral","sentiment_score":0.056718576699495316},{"text":"Yeah.","start":1903.68,"end":1903.92,"sentiment":"neutral","sentiment_score":0.05280523374676704}],"sentiment":"neutral","sentiment_score":0.18509866250678897,"num_words":8,"start":1870.415,"end":1903.92},{"sentences":[{"text":"Yeah.","start":1903.92,"end":1904.0801,"sentiment":"neutral","sentiment_score":0.060879047960042953},{"text":"I'll send it back to you.","start":1904.0801,"end":1908.91,"sentiment":"neutral","sentiment_score":0.2951999877889951},{"text":"Yes.","start":1920.0349,"end":1920.5349,"sentiment":"neutral","sentiment_score":0.17327503859996796},{"text":"Yeah.","start":1947.435,"end":1947.675,"sentiment":"neutral","sentiment_score":0.09818720817565918},{"text":"No worries.","start":1947.675,"end":1948.415,"sentiment":"neutral","sentiment_score":0.10875914990901947}],"sentiment":"neutral","sentiment_score":0.2110054110261527,"num_words":11,"start":1903.92,"end":1948.415},{"sentences":[{"text":"Did you want me to do or did you want me to just call up?","start":1948.7151,"end":1952.395,"sentiment":"neutral","sentiment_score":0.022416344657540322},{"text":"How how did you want okay.","start":1952.395,"end":1956.3351,"sentiment":"neutral","sentiment_score":-0.0159862469881773},{"text":"So either Mondays Wednesdays are best for me.","start":1974.0,"end":1976.515,"sentiment":"neutral","sentiment_score":0.042119883466511965},{"text":"Either or.","start":1982.815,"end":1983.535,"sentiment":"neutral","sentiment_score":0.047813091427087784},{"text":"Afternoon's fine.","start":1983.535,"end":1984.6749,"sentiment":"neutral","sentiment_score":0.05900651961565018}],"sentiment":"neutral","sentiment_score":0.02396745387126099,"num_words":33,"start":1948.7151,"end":1984.6749},{"sentences":[{"text":"Oh, good.","start":1992.9,"end":1993.48,"sentiment":"neutral","sentiment_score":0.21723197400569916},{"text":"Yeah.","start":1994.1799,"end":1994.6799,"sentiment":"neutral","sentiment_score":0.048780716955661774},{"text":"04:30 probably better than I yeah.","start":1995.2999,"end":1998.84,"sentiment":"neutral","sentiment_score":0.0296168876811862},{"text":"Finish work.","start":1999.0599,"end":1999.86,"sentiment":"neutral","sentiment_score":0.0834188237786293},{"text":"Yeah.","start":1999.86,"end":2000.36,"sentiment":"neutral","sentiment_score":0.3006913661956787}],"sentiment":"neutral","sentiment_score":0.09403958373392622,"num_words":12,"start":1992.9,"end":2000.36},{"sentences":[{"text":"Yes.","start":2019.06,"end":2019.56,"sentiment":"positive","sentiment_score":0.5366438627243042},{"text":"Yes.","start":2032.345,"end":2032.845,"sentiment":"positive","sentiment_score":0.4388445019721985},{"text":"Yeah.","start":2062.345,"end":2062.665,"sentiment":"neutral","sentiment_score":0.2326686829328537},{"text":"That's great.","start":2062.665,"end":2063.225,"sentiment":"positive","sentiment_score":0.5702839493751526},{"text":"Thank you so much.","start":2063.225,"end":2064.205,"sentiment":"positive","sentiment_score":0.6899245232343674}],"sentiment":"positive","sentiment_score":0.5676025599241257,"num_words":9,"start":2019.06,"end":2064.205},{"sentences":[{"text":"Yes.","start":2138.78,"end":2139.28,"sentiment":"positive","sentiment_score":0.4169478118419647},{"text":"I'm good.","start":2139.34,"end":2139.9,"sentiment":"positive","sentiment_score":0.6512432396411896},{"text":"Thanks so much.","start":2139.9,"end":2140.8,"sentiment":"positive","sentiment_score":0.8460264404614767},{"text":"And that's so good.","start":2154.155,"end":2155.0352,"sentiment":"positive","sentiment_score":0.6349137425422668},{"text":"I think I'll I'll just update you with the latest return information, and then I'll let you know if there's any interest rate changes.","start":2155.0352,"end":2163.2751,"sentiment":"neutral","sentiment_score":0.18300100540121397}],"sentiment":"neutral","sentiment_score":0.32909390330314636,"num_words":34,"start":2138.78,"end":2163.2751},{"sentences":[{"text":"Yeah.","start":2163.2751,"end":2163.69,"sentiment":"neutral","sentiment_score":0.16929972171783447},{"text":"Otherwise, we'll just assure that they're just the point 25% is being added.","start":2163.8499,"end":2167.8499,"sentiment":"neutral","sentiment_score":0.28390235281907594},{"text":"Is that right?","start":2167.8499,"end":2168.67,"sentiment":"neutral","sentiment_score":0.18783482909202576},{"text":"Yep.","start":2169.77,"end":2170.27,"sentiment":"neutral","sentiment_score":0.03763626143336296},{"text":"Alright.","start":2186.905,"end":2187.405,"sentiment":"neutral","sentiment_score":0.08838872611522675}],"sentiment":"neutral","sentiment_score":0.23945051490476257,"num_words":19,"start":2163.2751,"end":2187.405},{"sentences":[{"text":"Right.","start":2198.01,"end":2198.25,"sentiment":"positive","sentiment_score":0.5873892307281494},{"text":"Thanks so much.","start":2198.25,"end":2199.05,"sentiment":"positive","sentiment_score":0.8248426914215088},{"text":"Thanks, Dana.","start":2199.05,"end":2199.87,"sentiment":"positive","sentiment_score":0.7628670036792755},{"text":"Yeah.","start":2202.49,"end":2202.73,"sentiment":"positive","sentiment_score":0.4125528931617737},{"text":"You too.","start":2202.73,"end":2203.21,"sentiment":"positive","sentiment_score":0.4345644414424896}],"sentiment":"positive","sentiment_score":0.6521481209331088,"num_words":9,"start":2198.01,"end":2203.21},{"sentences":[{"text":"Thanks.","start":2203.21,"end":2203.61,"sentiment":"positive","sentiment_score":0.5875982046127319},{"text":"Bye.","start":2203.61,"end":2204.11,"sentiment":"positive","sentiment_score":0.4095296263694763}],"sentiment":"positive","sentiment_score":0.4985639154911041,"num_words":2,"start":2203.21,"end":2204.11}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Hi,\n\nChannel 0: Hi,\n\nChannel 1: Jane.\n\nChannel 0: Sarah. Hi, Sarah. It's Dana from Oakley. How are you?\n\nChannel 1: Yes. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I is now still a good time to go through things with you?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Fantastic. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Of course. That's good.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you.\n\nChannel 1: Yes. So Sarah Bethany, 02/24/1992 And 20 Delvio Crescent Creme Bernoff.\n\nChannel 0: Beautiful. Thank you so much for that. Perfect. So thank you for sending everything through. How's your week been so far?\n\nChannel 1: Yeah. Good. How's yours been? Have you been away?\n\nChannel 0: Yeah. I have. Yes. I did take two weeks off to have a little bit of a break. I hadn't had a holiday this year.\n\nSo just to take a bit of a break with my son, but it was nice and back into it and busy as ever. Love it.\n\nChannel 1: Oh, yes. No. That's great.\n\nChannel 0: Yeah. Yeah. Well, let's just jump into things, and thank you so much for sending everything through. I've kinda gone through and correlated as much as I possibly can and put it into one area to kinda give me an idea on where things are tracking there. So just sort of starting from with the property side of things, you've sold the Victorian property, the Craneborn property held in Yanni's name.\n\nThat's all being sold. Is that right?\n\nChannel 1: Yeah. Yeah. That's right. The client property. Yeah.\n\nYep.\n\nChannel 0: Oh, perfect. So sorry. It's quiet property. No. Craneborn.\n\nMy apologies.\n\nChannel 1: No. It's alright. Yeah.\n\nChannel 0: Quiet Property. Excellent. Beautiful. And from your email there, you had proceeds left over of 217,000. Is that right?\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: Beautiful. And that's that's after you've paid all the extra fees for the settlement costs and paid the loan back?\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: Yeah. Beautiful. And you mentioned here that you've also that that money sitting in between Yanni's offset account and his savings account. Is that right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Beautiful. And savings. Excellent. And there was also a mention of a inheritance of a 100,000.\n\nHave you received that as well?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Beautiful. And where is that located at the moment, that 100,000?\n\nChannel 1: That's sitting in my offset. And but we\n\nChannel 0: Okay.\n\nChannel 1: did we basically used to settle on the land that we purchased, we had to use that essentially and some more. So it's kind of yeah. So we had to pay a 130 to settle the land, 130,000.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. Even though we've added anything, that's kind of gone.\n\nChannel 0: Okay. No worries. So not not worrying about that 100,000. That's all basically used up, essentially.\n\nChannel 1: Yeah. That's right. Yep.\n\nChannel 0: Yep. Beautiful. So not to worry about that. Beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. And how's everything going with regards to the build as a new property? When's it all expected to start, and how's the planning going?\n\nChannel 1: Yeah. Good. We\n\nChannel 0: Yep.\n\nChannel 1: are middle of town planning, like, during the advertising period. So there is one objection and the for the build. So the town\n\nChannel 0: Mhmm.\n\nChannel 1: with the objective to kind of alleviate that to continue pushing through the town planning phase. So\n\nChannel 0: Yeah.\n\nChannel 1: that is finished. We should be able to get to working drawings in the next six to eight weeks, which means\n\nChannel 0: Okay.\n\nChannel 1: that they can start quoting and start building kind of within probably November. December is when they might be able to start\n\nChannel 0: Okay.\n\nChannel 1: building.\n\nChannel 0: Yep.\n\nChannel 1: But, you know, it might push out to January if there's any other further issues.\n\nChannel 0: Yeah. Absolutely. Any issues? Fantastic. Excellent.\n\nAnd just kinda going through now, I know there has been some changes to interest rate to the cash rate again, which could obviously affect interest rates with the banks. Thinking about the loan now with because this is the Parkdale property. Can I get the full address for this property of\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: Oh, yes. 300\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Sorry. What was that? 3340?\n\nChannel 1: three hundred and forty\n\nChannel 0: Yep.\n\nChannel 1: Pomo Parade, C O M O,\n\nChannel 0: Yep.\n\nChannel 1: Parade West\n\nChannel 0: Yep.\n\nChannel 1: in\n\nChannel 0: Yep.\n\nChannel 1: Park Deck.\n\nChannel 0: Parkdale. Beautiful. Excellent. Beautiful. So just started going through things now, the land loan you currently owe, 338,000, is that still fairly correct?\n\nChannel 1: It's actually 296,000. Yeah.\n\nChannel 0: $2.90\n\nChannel 1: So\n\nChannel 0: 6?\n\nChannel 1: it's yeah.\n\nChannel 0: Yep. That's okay. Easy. And then I've got the construction loan being about 417,000. Is that correct?\n\nChannel 1: Yeah. Hopefully. We'll see how it all goes, but it should be around that. Yeah.\n\nChannel 0: Okay. Beautiful. Just to sort of look at that for you. Excellent. So we're looking at total sorry.\n\nI got all my stuff everywhere. So $2.96, and we're also looking at 417,000. So we're looking at about 713,000 total lending at the end of everything. Is that right? That's how much the loan should be once it's all constructed?\n\nChannel 1: Yep. Something like that.\n\nChannel 0: That's all going well? Yep. That's okay. Beautiful. And then under here, I've also got potential reduced debt scenario of 655,000.\n\nWhat was the difference in that? Is that sort of adding some additional funds in there or because it was an extra 100,000.\n\nChannel 1: Yeah. That was potentially adding some extra funds into the loan, but I'm thinking what we'll do is we'll keep the loan in the off we'll keep the money in the offset rather than adding it to the loan.\n\nChannel 0: Mhmm. Okay. Beautiful.\n\nChannel 1: But\n\nChannel 0: So\n\nChannel 1: I'll just I'm I'm not really sure. I'll see how it goes. Like, that's why I thought maybe I'll chat to you.\n\nChannel 0: that's\n\nChannel 1: Like, I'll just\n\nChannel 0: yep.\n\nChannel 1: see what what kind of work.\n\nChannel 0: Yeah. That's absolutely fine. And what's kind of the ETA on handover? Have they given you a time frame in where the property should be fully built and handed over to you and the loan fully ready to be paid down, all all inclusive?\n\nChannel 1: Yeah. He said the builder said roughly nine months.\n\nChannel 0: Nine months.\n\nChannel 1: So yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: So from kind of, you know, somewhere between November and January, they'll start, and then there'll be nine months to build it.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. November. And then nine months for build and then handover.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And I'll just put here total loan expected 713,000, 100,000 to be held in the offset account. So that will did you want me to factor in the offset account having the set account having the 100,000 into the projected outcome for you or just maybe work on the full loan balance?\n\nChannel 1: I think just work oh, yeah. Maybe if the if there's an option to run them both side by side to see\n\nChannel 0: Yeah.\n\nChannel 1: what's\n\nChannel 0: Yeah.\n\nChannel 1: the option. Yeah. Absolutely. Because,\n\nChannel 0: Yeah.\n\nChannel 1: I guess I can give you an update on our current availability for you know, after all said and done with settling the property, getting the as well as, you know, settling the land, etcetera.\n\nChannel 0: Yep.\n\nChannel 1: So in my offset currently, I've got 221,000 and available, and then Yani has McCrory. He's got 67.5.\n\nChannel 0: Okay. Beautiful. 67,500. And are those in the current offsets for the two investment properties that you each own currently?\n\nChannel 1: No. So the the the off the 221 is sitting in my our principal place of residence offset, and\n\nChannel 0: DVR offset. Yep.\n\nChannel 1: Yanni, 67,000 is sitting in a high interest saver.\n\nChannel 0: High interest saver.\n\nChannel 1: Because this home's sold, and the Queensland property is in my name. And it's an interest only loan, so I don't have an offset account.\n\nChannel 0: Okay. No. That's alright. Just because I'm having a look. So with the budget plan as I got through, I've got the Banya House, which is the Victorian property.\n\nAnd is that the one\n\nChannel 1: Oh, sorry. The one is a Queensland property.\n\nChannel 0: Banya is a Queensland property. Beautiful. And then I've also got here Clyde, which is sorry. I\n\nChannel 1: Yeah.\n\nChannel 0: just sent it.\n\nChannel 1: That's so you\n\nChannel 0: Well,\n\nChannel 1: speak\n\nChannel 0: I so Clyde was the one that was sold. Beautiful.\n\nChannel 1: yeah.\n\nChannel 0: Beautiful. Excellent. Lovely. Just because with the budget plan, it's got, like, the Clive mortgage, Clive interest rates, and things like that. So is that kind of no longer\n\nChannel 1: Yes.\n\nChannel 0: needed?\n\nChannel 1: I updated budget. Hold on. Did I send you the wrong one?\n\nChannel 0: That's okay. You're absolutely fine.\n\nChannel 1: Because yeah. Hopefully, the September 1 should have had nothing to do with Clyde on there. But if I sent\n\nChannel 0: This one has July 20\n\nChannel 1: you\n\nChannel 0: I've got Yanni's July 2026 completed, and I've got your July 2026 completed budget planners.\n\nChannel 1: so Yanni's September 2026. Have you got that one?\n\nChannel 0: Let me\n\nChannel 1: Is\n\nChannel 0: double\n\nChannel 1: that one moved all\n\nChannel 0: check\n\nChannel 1: of his\n\nChannel 0: and see. No. That's okay. I've also could have just opened up the wrong budget planners.\n\nChannel 1: yeah. Which can also check it's quite changes a little bit\n\nChannel 0: There.\n\nChannel 1: too\n\nChannel 0: That's\n\nChannel 1: with you.\n\nChannel 0: okay. That's okay. I'll just open up oh, it's still attached to the email. He hasn't downloaded properly. Beautiful.\n\nGot them here. Excellent. So this is the September one. My apologies. I was opening up everything, and I just pulled the wrong ones up.\n\nChannel 1: Yes.\n\nChannel 0: So it's all good. You've actually done a really great job sending everything through. It gives me a really good kind of view of where everything is up to and what you've got. Just there we go. And I'll move this one over here.\n\nBeautiful.\n\nChannel 1: I think because yeah. I'm glad we're meeting now because I think it was a little bit confusing. With all of the changes, you know, we didn't know if we're gonna get the land or the house was gonna\n\nChannel 0: Yeah.\n\nChannel 1: sell. So that's all good.\n\nChannel 0: You've definitely had a lot going on. That's for sure. They had a busy few months. Oh, good. Alright.\n\nSo with the September budget planners here, I've got the Bunya House. I'm sorry. Am I saying that that suburb correctly? Is it Bunya\n\nChannel 1: Yes.\n\nChannel 0: Bunya? Yep. The Bunya House income with the Bunya Home Repairs, we've got the mortgage repayment, which is great,\n\nChannel 1: Yes.\n\nChannel 0: and the Craneborn is your main primary residence still. That's all fine.\n\nChannel 1: Yes. Yep.\n\nChannel 0: I love that. It's got the water rates and all the bits and pieces there. With on your budget planner with the investment property admin fee of $62 annually, is that for the Bania property Bania property? The\n\nChannel 1: Yes.\n\nChannel 0: admin fee you pay for that. Yep. Beautiful. Just\n\nChannel 1: Yes.\n\nChannel 0: making\n\nChannel 1: I just\n\nChannel 0: sure\n\nChannel 1: took\n\nChannel 0: I put that.\n\nChannel 1: that from the latest statement from the last financial\n\nChannel 0: Mhmm.\n\nChannel 1: yeah. Like, there's some recurring things like the, you know, Mhmm.\n\nChannel 0: Yep. Yep. Perfect. Alright. Beautiful.\n\nAnd I've got the admin fee there. Fantastic. And the Craneborn has the offset with the extra funds in it. Beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: Just going through the other things. So then on Yanni's, I've just got his take home pay currently, which is still from that workers' compensation payment. How's that going for him? Is he getting closer to because I know that ends around about November, doesn't it?\n\nChannel 1: Yeah. December 5 at end. So he's very busy trying to finish his course and apply for jobs.\n\nChannel 0: Yep.\n\nChannel 1: His lawyer his personal injury lawyer is trying to see if maybe his income protection can take over if he hasn't got a job by then.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, it's just hopefully he has been trying for a long time, but I think because he's been out of the industry for so long, he's planning\n\nChannel 0: Nice.\n\nChannel 1: to contact\n\nChannel 0: Yeah.\n\nChannel 1: some recruiters as well because I think yeah. It's just hard because he can't go back to officially plumbing, but he can potentially do\n\nChannel 0: Yeah.\n\nChannel 1: supervising, teaching, something else that isn't, you know, hands on the tool. But it's just kinda\n\nChannel 0: Yeah.\n\nChannel 1: hard to yeah.\n\nChannel 0: Okay. Beautiful. Well, good luck, and, hopefully, it all goes well. I'll\n\nChannel 1: Yeah.\n\nChannel 0: make sure I keep up to date. And, yeah, hopefully, it all goes well for him. Be good to have something to go to every day and give him a little bit of you know, aside from the study, give him something to get up and go to work and do it. That would make a big difference. That's for sure.\n\nChannel 1: Yeah. I think for his well-being, I think it'll be so good if he can just get something that he's interested in. Yeah.\n\nChannel 0: Yeah. Absolutely. No. Perfect. That sounds fantastic.\n\nSo at the moment, you've got the Craneborn property, which is your main primary residence. We've got the Banya Home, which is the investment property in your name solely. The Craneborn property, is that in both names, or is that just in your name?\n\nChannel 1: Just say my name.\n\nChannel 0: Just in your name. Beautiful. And then this new property at Parkdale, and that's in joint names, is that owned you know, joint tenants in common or just jointly owned fifty fifty between the two of you?\n\nChannel 1: Yeah. Just fifty fifty between us.\n\nChannel 0: Beautiful. Beautiful. Excellent. And just double checking the interest, sir, I've also got here that you expected rental income's between 900 to 1,000 per week once the property is fully built. Do you feel that that's still fairly appropriate?\n\nChannel 1: Yeah. I mean, it might be, you know, $8.50 to $9.50 or, you know, $8.50\n\nChannel 0: Yep.\n\nChannel 1: to 1,000. Yeah. I'm not really sure. That was the quote that I got from the agent.\n\nChannel 0: Yep. That's okay. We'll just work on the quote that you got from them. That's absolutely fine. Yeah.\n\nPerfect. And are you still planning on holding a reserve of that 30,000 sitting behind, or is that kind of gonna be included in the 100 k that you wanted to sort of have in the offset account?\n\nChannel 1: Yeah. So I think definitely the 30,000 will need to remain for all the interest up until build that\n\nChannel 0: Yep.\n\nChannel 1: will hopefully claim against for, you know, our income tax down the track because it's an entry property. So\n\nChannel 0: Yep.\n\nChannel 1: we'll yeah. I've planned to keep the 30,000\n\nChannel 0: Yep.\n\nChannel 1: definitely. Yeah.\n\nChannel 0: Yes. Perfect. Excellent. And is that gonna sit in the offset account and just be as the repayments need to be made while the construction's going through, it'll just be directed from the offset account, or is that just gonna be in another account sort of directed back to the loan? How do you sort of plan on having that sitting?\n\nChannel 1: So that's just sitting in my offset account, and it will be paying down the interest only loan of the\n\nChannel 0: Mhmm.\n\nChannel 1: bill. Yeah.\n\nChannel 0: Other\n\nChannel 1: So\n\nChannel 0: bill. And which\n\nChannel 1: would you come\n\nChannel 0: I'm\n\nChannel 1: out?\n\nChannel 0: sorry.\n\nChannel 1: Okay.\n\nChannel 0: You're right. Sorry to be painful, but which offset account is that gonna be sitting in?\n\nChannel 1: My Cranbourne North property.\n\nChannel 0: Cranbourne. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: North North. Excellent. Beautiful. Lovely. So trying to keep as much money as possible sitting in the main primary residence offset account because that's nontax deductible and trying to keep as much tax deductible loan owing as, like, for that tax deductibility.\n\nIs that sort of where you're going with that?\n\nChannel 1: Yeah. That's the plan.\n\nChannel 0: Yep. Beautiful. Excellent. Lovely. And then I've got just with the interest rates, with the initial land loan interest rate, we're looking at 9.14% currently.\n\nIs that still fairly accurate?\n\nChannel 1: Yeah. It was 8.39 that\n\nChannel 0: Yep.\n\nChannel 1: we but, yeah, probably after the interest rate rise, it's gonna go up to point 25%. So it'll go up to what? Point two. I think it was 8.39. Let me just check.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Yeah. So it'll go to 8.64.\n\nChannel 0: So we'll save Parkdale. 8.64% is expected after rise. Beautiful. And then I've got here indicative refinance construction loan rate of 6.36 interest only.\n\nChannel 1: Yes.\n\nChannel 0: Is that the so that's normally a refinance rate. You'll be paying the eight point sorry. The 8.64% interest on the loan, won't you?\n\nChannel 1: Yeah. So we're paying that on the\n\nChannel 0: Yep.\n\nChannel 1: 206,000 until we construct until we can move to a construction finance. My brother said that once Johnny gets a job and we move to construction\n\nChannel 0: Yeah.\n\nChannel 1: finance, we can\n\nChannel 0: Mhmm.\n\nChannel 1: potentially reduce it to a 6% rate.\n\nChannel 0: Okay.\n\nChannel 1: But that would just on because he's on work cover and we had to use a high rate for the settlement,\n\nChannel 0: Yep.\n\nChannel 1: yeah, we couldn't find any other major lender that would offer\n\nChannel 0: Sorry. That's\n\nChannel 1: a\n\nChannel 0: Sorry. That's absolutely fine.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Absolutely fine. So I'll just note that that is if you refinance down the track, that's a possibility, but we'll work on the 8.3 8.64% for\n\nChannel 1: Yep.\n\nChannel 0: the loan because that's what you sort of expect it to be currently doing. If anything changes over the next couple of weeks, please just let me know while I'm going to the research component. If I find there's anything additional I need to kinda confirm, I'll make sure I email or touch base there for you as well.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. That looks really good. Now with the Parkdale property, is there any looking kinda at management fees, rates, and things like that, do you have any kinda estimate on how much those costs are expected to be once the property is all handed over.\n\nChannel 1: Yes. Let me just find out for you.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. I think I've got a is there a 6% for the let me just bring up my\n\nChannel 0: You're absolutely fine.\n\nChannel 1: Yeah. I think what the agent because I was just asking the agent about a few things. Marketing fee. Yeah. The management fee was 6%.\n\nChannel 0: 6% management fee. So once handed over. Fantastic. An estimate on kind of rates and water and things like that, do you know roughly what those might cost you?\n\nChannel 1: Yeah. We've actually we have that. So the cancel rate is 1,027 per year with its current because it's based on land valuation. But\n\nChannel 0: Yep.\n\nChannel 1: I'm yeah. So that's the current rate.\n\nChannel 0: Yep.\n\nChannel 1: We will be paying land tax as well, which is about 1,700 a year. And then\n\nChannel 0: Beautiful.\n\nChannel 1: what about insurance? Yeah. Insurances, I'm assuming, will be around, you know, 2,000. And then, you know, you've got the pest management and all that stuff similar to\n\nChannel 0: Yes.\n\nChannel 1: that now, which will be a few $100 as well.\n\nChannel 0: Did you want me just to factor in maybe $500 for, like, pest management and control and things like that?\n\nChannel 1: Yeah. Just maintenance. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Per year for maintenance and pest control. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Beautiful. That's basically everything for the Parkdale loan at the moment, unless there's anything else that you can think of that might be important to kind of note down for the Parkdale property. Any changes or anything else that's due to change? Or\n\nChannel 1: No. I think that's all good.\n\nChannel 0: that's okay. Beautiful. Excellent. So the other one is so looking at the Banjo property, I've got your home repairs, management fees, mortgages, your income coming in on a regular basis. The income that you've got noted on the budget plan of that, is that before all of your, like, management fees and things like that are accounted for, or is that what you're receiving after all those have been taken to account?\n\nChannel 1: Yep. No. That's the, like, contracted amount, 680. And then I just added\n\nChannel 0: Yep.\n\nChannel 1: in my I just added all those fees so that it gets removed from that total amount.\n\nChannel 0: Yep.\n\nChannel 1: But that's going\n\nChannel 0: Beautiful.\n\nChannel 1: to go up in February. So probably around $7.10 or something.\n\nChannel 0: Yep. $7.10 in February 2027. Beautiful. Thank you so much. And, honestly, this budget plan is one of the best I've ever seen completed.\n\nYou've done an amazing job. Thank you so much for that. I looked at them, and I was like, oh my god. This gives me warm, fuzzy feelings. I love all the detail you've got here.\n\nYou've broken everything down so perfectly. All good. Parkdale loan is there currently on how much you're paying per month. With the loan repayments, are they the minimum requirement, or are they just what you're paying, which could be over the minimum based on the interest rate?\n\nChannel 1: Oh, yes. Good question. So Parkdale, I'm paying more.\n\nChannel 0: Yep.\n\nChannel 1: Sorry. Not Parkdale. Cranbourne North, I'm paying more than the contracted amount.\n\nChannel 0: Yep.\n\nChannel 1: But Parkdale and Vanya, I'm only paying interest only at the minimum interest amount\n\nChannel 0: Yep.\n\nChannel 1: that I have to yep.\n\nChannel 0: Beautiful. Excellent. And with the Bunya property, what's the current interest rate on that property?\n\nChannel 1: Oh, yeah. Okay.\n\nChannel 0: A loan. Sorry. My apologies. Loan.\n\nChannel 1: Oh, the loan? 4\n\nChannel 0: Yep.\n\nChannel 1: 150.\n\nChannel 0: Sorry. What's the interest rate on the loan? My apologies, Sarah.\n\nChannel 1: Yeah. Let me just get that for you. It might go up again, but my interest rate is 6.51.\n\nChannel 0: 6.51%. That's okay. I'll work on that. And if you find it does go up, just let me know because I can very easily just alter that for you.\n\nChannel 1: Yeah.\n\nChannel 0: And, yeah, you had here 450 owing on the loan. That's still fairly accurate for the Banya property?\n\nChannel 1: Yeah. That's the same. Yep.\n\nChannel 0: Yep. Beautiful. I've got income and everything there. Excellent. 6.51%.\n\nAnd that's interest only as well.\n\nChannel 1: Yes.\n\nChannel 0: Excellent. And with the Craneborn property, your main primary residence, how what's your interest rate on that one currently on the loan?\n\nChannel 1: Yeah. So I'm assuming all of these are gonna go up by 2.5.\n\nChannel 0: Yeah.\n\nChannel 1: Let me just\n\nChannel 0: I\n\nChannel 1: go\n\nChannel 0: can factor in as a a full rate rise into the percent if you like, and that we can kind of work on that for you. That way, we're factoring in the potential rate rise, which I'm assuming most banks are gonna take on board anyway.\n\nChannel 1: yeah. So my current interest rate for my Cranbourne North property is 5.94.\n\nChannel 0: 5.94. Beautiful. And we'll add the interest rate increase there as well. Just because if I was a bank, I would definitely take that rate rise and run with it. Just make as much money as possible, really, isn't it?\n\nAll all good. Beautiful. That looks like mostly everything there. Now just kind of with the goal side of things, we're looking at what to do over the next like, what's expected over the next five years, looking at, obviously, income paying the mortgage down and what that looks like over the next sort of five years, but also looking at the capital growth. So the growth that the properties have seen over the past couple of years and estimating that over the next few years to sort of show you, a, what the loans are expected to look like, what the growth is expecting to look like on each of the properties, and giving you your growth and net overall financial situation.\n\nAm I right in suggesting like, in saying that's kind of what you're after, or is there anything different? Have I got any of that wrong?\n\nChannel 1: Yeah. No. That's right. That's\n\nChannel 0: Yep.\n\nChannel 1: right. Just\n\nChannel 0: Beautiful.\n\nChannel 1: trying to figure out, you know, what the best way to manage it is.\n\nChannel 0: Yeah. Absolutely. Perfect. And when with these properties that are obviously interest only for a certain time frame\n\nChannel 1: Yeah.\n\nChannel 0: with the Park sale property. How long is that gonna be interest only for after the property is built?\n\nChannel 1: Generally, my broker says I can do interest only for five years.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: You're doing the four five. Yep.\n\nChannel 1: yeah. Potentially, I'll do the five. Otherwise, I'm not really sure. I less, but I guess my plan is to go five and just offset the interest.\n\nChannel 0: Yep. Yep. Beautiful. And are you planning on sort of building up putting any additional money into the offset accounts to kind of build up the offset account so that when that comes up interest only, you owe less money on the over, sorry, on the overall loan when it kinda reverse the principal and interest, or you're just kinda happy paying the minimum and keeping that excess, the 100,000, sitting in the offset? What's your sort of plan with the offset and the excess money?\n\nChannel 1: I wasn't really sure, to be honest. I I\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I don't know. I'm happy to take advice because\n\nChannel 0: Yeah.\n\nChannel 1: I guess it's hard because the offset in just because of the tax reasons, I've put it into the principal place of residence. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, that's kind of my thinking behind it. But if there's another alternative, then I'm happy to.\n\nChannel 0: Yeah. Yeah. Absolutely. So keep keep paying down the PTR as much as possible\n\nChannel 1: Yeah.\n\nChannel 0: and offset. Lovely. So focus mostly on paying down the nontax deductible loan, keeping the other two loans as they are. You'll keep a bit of a buffer in the offset accounts if needed, but just making sure that you can, you know, maximize your tax deductions with the interest repayments and things like that. Is that sort of what you're after?\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: Yeah. Beautiful. Excellent. Overall. So I'll look at overall capital growth expectation around each of the properties, focus on maybe mortgage repayments to sort of show you that as well over the next sort of five years based on current loan rates.\n\nAnd I'll factor in the increase of the full rate rise just so we're you know, if they don't pass on the full rate rise, it works out better for you, but more than likely, they are gonna pass on the full rate rise. If\n\nChannel 1: Yep.\n\nChannel 0: you find out over the next couple of weeks that you that there are that they're not passing on the full rate rise, if you can let me know, that'd be great just so I can make sure I'm working on the most up to date information for the loan repayments as much as possible.\n\nChannel 1: Yeah. No worries. Will do.\n\nChannel 0: Excellent. Beautiful. And then with your super, are you just wanting this advice to sort of focus around the properties and what that looks like over the next five years, or are you wanting to sort of look at, you know, increasing contributions to super? I know with your budget planners, there's not really a a lot of extra cash flow at the moment. Are you just sort of wanting to look at the the properties over the next five years, or did you want me to sort of factor in the super outlook and look at everything as a whole?\n\nWhat would you like?\n\nChannel 1: Yeah. Potentially, everything as a whole. I'm not sure\n\nChannel 0: Mhmm.\n\nChannel 1: how yeah. I just don't know where the money will come from. And it depends on Yanni's job, but\n\nChannel 0: Yep.\n\nChannel 1: I'm happy to potentially, you know, add more to super if there's capacity to.\n\nChannel 0: Yeah. No. That's okay. It does look like with your budget plan, because you're sitting in the negative expectation wise at the moment, I'd be really, you know, not wanting to increase your contributions in, but I can sort of factor in, like, work on the properties as a whole for this advice document for you and look at the growth over the next sort of five years to give you an idea of what this looks like. But then, also, just when we look at the total in the next five years, factor in the projected outcome with your super as well and just go look as a whole, including your super, which will be limited.\n\nI'm not making any changes to super right now because it is actually working really well. But just looking at, you know, your net and gross financial position, taking to account what your super should look like in that time frame as well. Does that sound appropriate? Are you comfortable with that? Is there any additional questions there at all?\n\nChannel 1: No. That sounds really good.\n\nChannel 0: That sounds great. Excellent. And just sort of looking at long term goals, you sort of may mention you're not really sure if you wanna sell or keep the property. So but for the next five years, you kind of expect to keep them, you know, options to sell maybe down the track a little bit further. Is that right, or am I wrong in any of that?\n\nChannel 1: Yeah. That's right. I think we're planning\n\nChannel 0: That's\n\nChannel 1: to\n\nChannel 0: right.\n\nChannel 1: keep but, you know, if a situation arises where it's better to sell, then we may sell. But at this time, we're just planning to, yeah, go ahead with keeping them both the and then our principal place of residence. Yep.\n\nChannel 0: Beautiful. Yep. Beautiful. Lovely. Excellent.\n\nIs there anything else wise that you would like me to sort of factor into this for you at all? Is there anything I may have missed that you might want me to consider for you as well? Or\n\nChannel 1: No. I think that's it. Just, you know,\n\nChannel 0: That's\n\nChannel 1: trying to\n\nChannel 0: okay.\n\nChannel 1: work next steps out. Yep.\n\nChannel 0: Yeah. Absolutely. The only other thing so the way this will sort of work because you're our current client, Yanni, is not quite yet. What I'll do is I'll make this advice to yourself. It'll be for you, but it will, because this property is partly in his name, also have an effect on him.\n\nSo I'll make sure I note that within the advice document for him, but it will essentially be directed to yourself. Is that okay?\n\nChannel 1: Oh, yeah. That's perfect. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Beautiful. And the effect there. If Yanni has any questions at any point, you're welcome to let me know. It's not a problem at all. The only other thing I was sort of looking at this morning that might be a really good option, I was gonna email you, but I thought, look.\n\nI'm gonna talk to you anyway. Have you done your tax return for last financial year at all?\n\nChannel 1: Yeah. I have.\n\nChannel 0: Beautiful. Are you able to send me a copy of the assessment notice, for yourself and for Yani just so I can break down, what they have in there, under the deduction side of things for you as well.\n\nChannel 1: Of course. Yeah. Yeah. I'll send it back\n\nChannel 0: Beautiful. Excellent. Thank you so much for that. I really look forward\n\nChannel 1: to\n\nChannel 0: to putting\n\nChannel 1: you.\n\nChannel 0: this together. I really enjoy this kind of advice, so it's gonna be a lot of fun to put together. I do estimate, research wise, it should take me about sort of five to six weeks to put together. So\n\nChannel 1: Yes.\n\nChannel 0: what I would like to do now is just rebook you in to go to the presentation in that time frame. If I find I have any additional questions or need any additional information for the research as I'm going through it, I'll come back and email you or give you a call just to kind of, you know, add anything extra in. And then if I find I get to that point I'm still not quite ready, I'll let you know, and we'll reschedule at that. But I estimate five to six weeks should be absolutely fine for that. Is that okay with you?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep.\n\nChannel 1: Did you want\n\nChannel 0: Beautiful.\n\nChannel 1: me to do or did you want me to just call up? How how did you\n\nChannel 0: No.\n\nChannel 1: want\n\nChannel 0: I'm I'm gonna book it in now for you so you've got\n\nChannel 1: okay.\n\nChannel 0: a a date there ready to go. So we're sitting at the end of September now. So one, two, three, four, five, six. That brings us up to the the week of the November 9. What day or time generally suits you best?\n\nChannel 1: So either Mondays Wednesdays are best for me.\n\nChannel 0: Beautiful. What if we do is afternoon suitable or morning? What's better?\n\nChannel 1: Either or. Afternoon's fine.\n\nChannel 0: Yeah. What time afternoon wise? I've got three, four, five, or six available. You it's all up to your\n\nChannel 1: Oh, good.\n\nChannel 0: pick.\n\nChannel 1: Yeah. 04:30 probably better than I\n\nChannel 0: 04:30?\n\nChannel 1: yeah. Finish work.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Excellent. So I'll pop that in there at 04:30 on Monday, November 9. I'll get stuck into the research here for you as well. If you think of anything that I may have missed or you needed, please let me know.\n\nHappy to make time to come back and chat or via email, whatever your preference is. I think\n\nChannel 1: Yes.\n\nChannel 0: I've got everything I need here. I'll go back and start the research component. And if I can just get a copy of each of your tax tax return summary, that would be fantastic. Just noting all the deductions that your accountant sort of claims there for you. And,\n\nChannel 1: Yes.\n\nChannel 0: yeah, I look forward to putting this together. As I kinda mentioned, because this has been in progress for a long time, there's no additional cost to this advice. It's all essentially complimentary or free to yourself. Moving forward, our our fee structure has kinda changed a bit. So moving forward, they do charge about 2,200 for this kind of advice outside of Super, but I'm doing it all a 100% complimentary for you this time around.\n\nAnd then down the track, we can always talk about how that looks down the track for you. Is that okay?\n\nChannel 1: Yeah. That's great. Thank you so much.\n\nChannel 0: Beautiful. No. That's okay. I made sure to honor everything. I was like, no.\n\nNo. Yes. We've been talking about this for months. It's something you've been after, and we never used to charge for advice outside of super. Things have kinda just changed with the way the fee structure works, and we've had to sort of start charging for advice outside because there is a lot more of it required.\n\nA lot you know, people need a little bit more assistance in the cost of advice, and the cost of everything has definitely gone up. The cost of living and running a business has definitely gone up. So that's why that has essentially changed there. But moving forward, if you ever you know, what I try to do personally is whether it's complimentary, if I can do it complimentary, I will always try to do it for you. If this is general advice, that is also free, and it's it's down the track when we get, you know, past this advice piece.\n\nIf you want something else down the track, we can always look at that. And I can always go into that and speak to our head of advice and sort of come up with some sort of, you know, maybe a reduction in fee or cost or something for you as well. So I'll always try to help you out as much as possible. For me, it's not about the fee. For me, it's about helping you and doing the advice.\n\nBut I just like to make sure that you're essentially aware of everything and across the information to make sure I'm upfront and honest there with you as well. Okay.\n\nChannel 1: Yes. I'm good. Thanks so much.\n\nChannel 0: Easy. That's okay. Do you have any questions for me or anything else that you think I might need to maybe look at for you? Or is there anything you need me to do as well or other than this, separate to this?\n\nChannel 1: And that's so good. I think I'll I'll just update you with the latest return\n\nChannel 0: Mhmm.\n\nChannel 1: information, and then I'll let you know if there's any interest rate changes. Yeah. Otherwise,\n\nChannel 0: Beautiful.\n\nChannel 1: we'll just assure that they're just the point 25% is being added. Is that right?\n\nChannel 0: Yeah. Absolutely. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: I'll take into account the full rate rise just so we are sort of factoring in known changes because I think it'll be pretty interesting if any of the banks don't don't pass on the full rate rise to clients. I know I would if I was a bank, so most of us probably would.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. No. Excellent. Thank you so much for your time this morning, Sarah. I really appreciate it.\n\nI'm looking forward to putting this together for you. And, again, if there's anything you need, please let me know. I'm more than happy to help.\n\nChannel 1: Right. Thanks so much. Thanks, Dana.\n\nChannel 0: Thanks. Enjoy your week. Enjoy your weekend.\n\nChannel 1: Yeah. You too. Thanks. Bye.\n\nChannel 0: Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.03542817384004593},{"text":"Hi,","start":2.72,"end":3.04,"sentiment":"neutral","sentiment_score":0.0677630752325058}],"sentiment":"neutral","sentiment_score":0.051595624536275864,"channel":1,"num_words":2,"start":1.68,"end":3.04},{"sentences":[{"text":"Hi,","start":2.8799999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.07737306505441666}],"sentiment":"neutral","sentiment_score":0.07737306505441666,"channel":0,"num_words":1,"start":2.8799999,"end":3.1999998},{"sentences":[{"text":"Jane.","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.07810744643211365}],"sentiment":"neutral","sentiment_score":0.07810744643211365,"channel":1,"num_words":1,"start":3.04,"end":3.54},{"sentences":[{"text":"Sarah.","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.07694683969020844},{"text":"Hi, Sarah.","start":3.9199998,"end":4.64,"sentiment":"neutral","sentiment_score":0.11669390648603438},{"text":"It's Dana from Oakley.","start":4.64,"end":5.68,"sentiment":"neutral","sentiment_score":0.1295093297958374},{"text":"How are you?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.13974489271640778}],"sentiment":"neutral","sentiment_score":0.12476066499948502,"channel":0,"num_words":10,"start":3.1999998,"end":6.5},{"sentences":[{"text":"Yes.","start":6.7999997,"end":7.2,"sentiment":"neutral","sentiment_score":0.12284514307975768},{"text":"How are you?","start":7.2,"end":7.94,"sentiment":"neutral","sentiment_score":0.15027604003747305}],"sentiment":"neutral","sentiment_score":0.1434183157980442,"channel":1,"num_words":4,"start":6.7999997,"end":7.94},{"sentences":[{"text":"I'm very well.","start":8.16,"end":9.28,"sentiment":"positive","sentiment_score":0.4819504717985789},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.5884856283664703},{"text":"Thanks for asking.","start":9.679999,"end":10.66,"sentiment":"positive","sentiment_score":0.5697861313819885},{"text":"I is now still a good time to go through things with you?","start":11.28,"end":14.385,"sentiment":"positive","sentiment_score":0.3371829894872812}],"sentiment":"positive","sentiment_score":0.4150266633147285,"channel":0,"num_words":21,"start":8.16,"end":14.385},{"sentences":[{"text":"Yeah.","start":14.799999,"end":15.2,"sentiment":"neutral","sentiment_score":0.26715588569641113},{"text":"Perfect.","start":15.2,"end":15.7,"sentiment":"positive","sentiment_score":0.5841563940048218}],"sentiment":"positive","sentiment_score":0.42565613985061646,"channel":1,"num_words":2,"start":14.799999,"end":15.7},{"sentences":[{"text":"Fantastic.","start":16.305,"end":16.805,"sentiment":"positive","sentiment_score":0.6355836987495422},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":17.345001,"end":21.265,"sentiment":"neutral","sentiment_score":0.24288392066955566},{"text":"Are you happy for me to proceed with that?","start":21.265,"end":23.285,"sentiment":"neutral","sentiment_score":0.23106235762437186}],"sentiment":"neutral","sentiment_score":0.2521195887557922,"channel":0,"num_words":31,"start":16.305,"end":23.285},{"sentences":[{"text":"Yeah.","start":23.615,"end":23.935,"sentiment":"neutral","sentiment_score":0.13954171538352966},{"text":"Of course.","start":23.935,"end":24.414999,"sentiment":"neutral","sentiment_score":0.20441163331270218},{"text":"That's good.","start":24.414999,"end":25.235,"sentiment":"positive","sentiment_score":0.475977286696434}],"sentiment":"neutral","sentiment_score":0.3000639110803604,"channel":1,"num_words":5,"start":23.615,"end":25.235},{"sentences":[{"text":"Fantastic.","start":25.025,"end":25.525,"sentiment":"positive","sentiment_score":0.6448822021484375},{"text":"And just to do a quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you.","start":26.225,"end":34.94,"sentiment":"neutral","sentiment_score":0.2340823152945155}],"sentiment":"neutral","sentiment_score":0.2436358010353044,"channel":0,"num_words":43,"start":25.025,"end":34.94},{"sentences":[{"text":"Yes.","start":35.8,"end":36.12,"sentiment":"neutral","sentiment_score":0.05999312922358513},{"text":"So Sarah Bethany, 02/24/1992 And 20 Delvio Crescent Creme Bernoff.","start":36.12,"end":42.22,"sentiment":"neutral","sentiment_score":0.05411036387085914}],"sentiment":"neutral","sentiment_score":0.054645160721106964,"channel":1,"num_words":11,"start":35.8,"end":42.22},{"sentences":[{"text":"Beautiful.","start":42.76,"end":43.16,"sentiment":"positive","sentiment_score":0.5063650608062744},{"text":"Thank you so much for that.","start":43.16,"end":44.715,"sentiment":"positive","sentiment_score":0.5969557364781698},{"text":"Perfect.","start":45.435,"end":45.835,"sentiment":"positive","sentiment_score":0.592442512512207},{"text":"So thank you for sending everything through.","start":45.835,"end":47.835,"sentiment":"positive","sentiment_score":0.4790429558072771},{"text":"How's your week been so 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Yanni's, I've just got his take home pay currently, which is still from that workers' compensation payment.","start":751.72,"end":758.57495,"sentiment":"neutral","sentiment_score":0.025556365540251137},{"text":"How's that going for him?","start":758.57495,"end":759.69495,"sentiment":"neutral","sentiment_score":0.040255766734480856},{"text":"Is he getting closer to because I know that ends around about November, doesn't it?","start":759.69495,"end":764.355,"sentiment":"neutral","sentiment_score":-0.02750233213106791}],"sentiment":"neutral","sentiment_score":0.00899476813071448,"channel":0,"num_words":46,"start":749.96,"end":764.355},{"sentences":[{"text":"Yeah.","start":764.80505,"end":765.205,"sentiment":"neutral","sentiment_score":-0.03972210735082626},{"text":"December 5 at end.","start":765.205,"end":766.965,"sentiment":"neutral","sentiment_score":-0.06139038410037756},{"text":"So he's very busy trying to finish his course and apply for 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kinda","start":807.80005,"end":808.76,"sentiment":"neutral","sentiment_score":-0.0832366170361638}],"sentiment":"neutral","sentiment_score":-0.07015320332720876,"channel":1,"num_words":16,"start":803.4,"end":808.76},{"sentences":[{"text":"Yeah.","start":808.57,"end":809.025,"sentiment":"neutral","sentiment_score":-0.07672907412052155}],"sentiment":"neutral","sentiment_score":-0.07672907412052155,"channel":0,"num_words":1,"start":808.57,"end":809.025},{"sentences":[{"text":"hard to yeah.","start":808.76,"end":809.74005,"sentiment":"neutral","sentiment_score":-0.09756475190321605}],"sentiment":"neutral","sentiment_score":-0.09756475190321605,"channel":1,"num_words":3,"start":808.76,"end":809.74005},{"sentences":[{"text":"Okay.","start":811.185,"end":811.685,"sentiment":"positive","sentiment_score":0.33510929346084595},{"text":"Beautiful.","start":811.745,"end":812.245,"sentiment":"positive","sentiment_score":0.6640133857727051},{"text":"Well, good luck, and, hopefully, it all goes 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up and go to work and do it.","start":818.145,"end":825.73004,"sentiment":"positive","sentiment_score":0.529765342672666},{"text":"That would make a big difference.","start":825.73004,"end":826.93,"sentiment":"positive","sentiment_score":0.557710071404775},{"text":"That's for sure.","start":826.93,"end":827.91003,"sentiment":"neutral","sentiment_score":0.30618199706077576}],"sentiment":"positive","sentiment_score":0.5055611934818205,"channel":0,"num_words":61,"start":814.465,"end":827.91003},{"sentences":[{"text":"Yeah.","start":828.07,"end":828.47,"sentiment":"neutral","sentiment_score":0.29760903120040894},{"text":"I think for his well-being, I think it'll be so good if he can just get something that he's interested in.","start":828.47,"end":833.51,"sentiment":"neutral","sentiment_score":0.33152419257731663},{"text":"Yeah.","start":833.51,"end":834.01,"sentiment":"neutral","sentiment_score":0.11240749061107635}],"sentiment":"neutral","sentiment_score":0.3205228072145711,"channel":1,"num_words":23,"start":828.07,"end":834.01},{"sentences":[{"text":"Yeah.","start":834.45,"end":834.85004,"sentiment":"neutral","sentiment_score":0.1280742883682251},{"text":"Absolutely.","start":834.85004,"end":835.35004,"sentiment":"neutral","sentiment_score":0.11981860548257828},{"text":"No.","start":835.97003,"end":836.37,"sentiment":"neutral","sentiment_score":0.09508959949016572},{"text":"Perfect.","start":836.37,"end":836.85004,"sentiment":"neutral","sentiment_score":0.2523980736732483},{"text":"That sounds fantastic.","start":836.85004,"end":837.83,"sentiment":"positive","sentiment_score":0.4469371736049652}],"sentiment":"neutral","sentiment_score":0.2765988696898733,"channel":0,"num_words":7,"start":834.45,"end":837.83},{"sentences":[{"text":"So at the moment, you've got the Craneborn property, which is your main primary residence.","start":838.825,"end":842.605,"sentiment":"neutral","sentiment_score":0.05070415313045184},{"text":"We've got the Banya Home, which is the investment property in your name solely.","start":843.065,"end":847.245,"sentiment":"neutral","sentiment_score":0.037349755210535865},{"text":"The Craneborn property, is that in both names, or is that just in your name?","start":848.665,"end":853.29,"sentiment":"neutral","sentiment_score":0.017119254233936468}],"sentiment":"neutral","sentiment_score":0.0350056291684847,"channel":0,"num_words":44,"start":838.825,"end":853.29},{"sentences":[{"text":"Just say my 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1,000.","start":892.41003,"end":893.15,"sentiment":"neutral","sentiment_score":0.01881032856181264},{"text":"Yeah.","start":893.21,"end":893.45,"sentiment":"neutral","sentiment_score":-0.010265657678246498},{"text":"I'm not really sure.","start":893.45,"end":894.25,"sentiment":"neutral","sentiment_score":-0.055456397123634815},{"text":"That was the quote that I got from the agent.","start":894.25,"end":896.35004,"sentiment":"neutral","sentiment_score":-0.034288618713617325}],"sentiment":"neutral","sentiment_score":-0.031609222128549046,"channel":1,"num_words":17,"start":892.41003,"end":896.35004},{"sentences":[{"text":"Yep.","start":896.695,"end":897.015,"sentiment":"neutral","sentiment_score":0.04949158430099487},{"text":"That's okay.","start":897.015,"end":897.575,"sentiment":"neutral","sentiment_score":0.11398153007030487},{"text":"We'll just work on the quote that you got from 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is that gonna sit in the offset account and just be as the repayments need to be made while the construction's going through, it'll just be directed from the offset account, or is that just gonna be in another account sort of directed back to the loan?","start":937.86,"end":950.82,"sentiment":"neutral","sentiment_score":0.09215844061691314},{"text":"How do you sort of plan on having that sitting?","start":950.82,"end":952.875,"sentiment":"neutral","sentiment_score":0.014689098671078682}],"sentiment":"neutral","sentiment_score":0.10446974772532455,"channel":0,"num_words":61,"start":935.60504,"end":952.875},{"sentences":[{"text":"So that's just sitting in my offset account, and it will be paying down the interest only loan of 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then","start":1209.06,"end":1209.8,"sentiment":"neutral","sentiment_score":0.03973063454031944}],"sentiment":"neutral","sentiment_score":0.07823706092312932,"channel":1,"num_words":16,"start":1201.54,"end":1209.8},{"sentences":[{"text":"Beautiful.","start":1209.84,"end":1210.34,"sentiment":"neutral","sentiment_score":0.167390838265419}],"sentiment":"neutral","sentiment_score":0.167390838265419,"channel":0,"num_words":1,"start":1209.84,"end":1210.34},{"sentences":[{"text":"what about insurance?","start":1210.1,"end":1211.4,"sentiment":"neutral","sentiment_score":0.020943346122900646},{"text":"Yeah.","start":1215.0449,"end":1215.445,"sentiment":"neutral","sentiment_score":0.009948858059942722},{"text":"Insurances, I'm assuming, will be around, you know, 2,000.","start":1215.445,"end":1219.145,"sentiment":"neutral","sentiment_score":0.011780348192486498},{"text":"And then, you know, you've got the pest management and all that stuff similar to","start":1220.725,"end":1224.485,"sentiment":"neutral","sentiment_score":0.005628222972154618}],"sentiment":"neutral","sentiment_score":0.009400906240833657,"channel":1,"num_words":28,"start":1210.1,"end":1224.485},{"sentences":[{"text":"Yes.","start":1224.415,"end":1224.75,"sentiment":"neutral","sentiment_score":0.01694289967417717}],"sentiment":"neutral","sentiment_score":0.01694289967417717,"channel":0,"num_words":1,"start":1224.415,"end":1224.75},{"sentences":[{"text":"that now, which will be a few $100 as well.","start":1224.485,"end":1228.265,"sentiment":"neutral","sentiment_score":0.009976388467475773}],"sentiment":"neutral","sentiment_score":0.009976388467475773,"channel":1,"num_words":10,"start":1224.485,"end":1228.265},{"sentences":[{"text":"Did you want me just to factor in maybe $500 for, like, pest management and control and things like that?","start":1228.59,"end":1235.57,"sentiment":"neutral","sentiment_score":0.005816463008522987}],"sentiment":"neutral","sentiment_score":0.005816463008522987,"channel":0,"num_words":20,"start":1228.59,"end":1235.57},{"sentences":[{"text":"Yeah.","start":1236.02,"end":1236.34,"sentiment":"neutral","sentiment_score":0.01303328387439251},{"text":"Just maintenance.","start":1236.34,"end":1237.08,"sentiment":"neutral","sentiment_score":0.015755685046315193},{"text":"That's fine.","start":1237.22,"end":1237.86,"sentiment":"neutral","sentiment_score":0.054792214184999466}],"sentiment":"neutral","sentiment_score":0.030825816467404364,"channel":1,"num_words":5,"start":1236.02,"end":1237.86},{"sentences":[{"text":"Yep.","start":1237.63,"end":1238.03,"sentiment":"neutral","sentiment_score":0.03652213886380195}],"sentiment":"neutral","sentiment_score":0.03652213886380195,"channel":0,"num_words":1,"start":1237.63,"end":1238.03},{"sentences":[{"text":"Yep.","start":1237.86,"end":1238.36,"sentiment":"neutral","sentiment_score":0.02124333195388317}],"sentiment":"neutral","sentiment_score":0.02124333195388317,"channel":1,"num_words":1,"start":1237.86,"end":1238.36},{"sentences":[{"text":"Per year for maintenance and pest control.","start":1238.03,"end":1240.315,"sentiment":"neutral","sentiment_score":0.014410999869661672},{"text":"Perfect.","start":1240.315,"end":1240.815,"sentiment":"neutral","sentiment_score":0.30873817205429077}],"sentiment":"neutral","sentiment_score":0.05120189639274031,"channel":0,"num_words":8,"start":1238.03,"end":1240.815},{"sentences":[{"text":"Yep.","start":1242.02,"end":1242.465,"sentiment":"neutral","sentiment_score":0.13633418083190918}],"sentiment":"neutral","sentiment_score":0.13633418083190918,"channel":1,"num_words":1,"start":1242.02,"end":1242.465},{"sentences":[{"text":"Excellent.","start":1242.075,"end":1242.575,"sentiment":"positive","sentiment_score":0.42279908061027527},{"text":"Beautiful.","start":1243.595,"end":1244.095,"sentiment":"positive","sentiment_score":0.4307759404182434},{"text":"That's basically everything for the Parkdale loan at the moment, unless there's anything else that you can think of that might be important to kind of note down for the Parkdale property.","start":1244.155,"end":1254.91,"sentiment":"neutral","sentiment_score":0.08157003531232476},{"text":"Any changes or anything else that's due to change?","start":1254.91,"end":1258.51,"sentiment":"neutral","sentiment_score":0.016874413109487958},{"text":"Or","start":1258.51,"end":1259.01,"sentiment":"neutral","sentiment_score":-0.0019508786499500277}],"sentiment":"neutral","sentiment_score":0.08213034068996256,"channel":0,"num_words":44,"start":1242.075,"end":1259.01},{"sentences":[{"text":"No.","start":1259.62,"end":1259.86,"sentiment":"neutral","sentiment_score":-0.06454569846391678},{"text":"I think that's all good.","start":1259.86,"end":1261.16,"sentiment":"neutral","sentiment_score":-0.03531569540500641}],"sentiment":"neutral","sentiment_score":-0.04018736258149147,"channel":1,"num_words":6,"start":1259.62,"end":1261.16},{"sentences":[{"text":"that's okay.","start":1261.15,"end":1261.79,"sentiment":"neutral","sentiment_score":0.10732319205999374},{"text":"Beautiful.","start":1261.79,"end":1262.29,"sentiment":"positive","sentiment_score":0.385805606842041},{"text":"Excellent.","start":1262.35,"end":1262.85,"sentiment":"neutral","sentiment_score":0.31609708070755005},{"text":"So the other one is so looking at the Banjo property, I've got your home repairs, management fees, mortgages, your income coming in on a regular basis.","start":1264.045,"end":1271.905,"sentiment":"neutral","sentiment_score":0.0433681631391799},{"text":"The income that you've got noted on the budget plan of that, is that before all of your, like, management fees and things like that are accounted for, or is that what you're receiving after all those have been taken to account?","start":1272.285,"end":1285.6,"sentiment":"neutral","sentiment_score":0.016778467932627314}],"sentiment":"neutral","sentiment_score":0.038249111364353196,"channel":0,"num_words":73,"start":1261.15,"end":1285.6},{"sentences":[{"text":"Yep.","start":1286.06,"end":1286.22,"sentiment":"neutral","sentiment_score":-0.005371084436774254},{"text":"No.","start":1286.22,"end":1286.62,"sentiment":"neutral","sentiment_score":-0.03607206046581268},{"text":"That's the, like, contracted amount, 680.","start":1286.62,"end":1290.38,"sentiment":"neutral","sentiment_score":-0.047332155207792916},{"text":"And then I just added","start":1290.38,"end":1291.42,"sentiment":"neutral","sentiment_score":-0.025717185437679292}],"sentiment":"neutral","sentiment_score":-0.034924769487518534,"channel":1,"num_words":13,"start":1286.06,"end":1291.42},{"sentences":[{"text":"Yep.","start":1291.18,"end":1291.485,"sentiment":"neutral","sentiment_score":-0.028246616944670677}],"sentiment":"neutral","sentiment_score":-0.028246616944670677,"channel":0,"num_words":1,"start":1291.18,"end":1291.485},{"sentences":[{"text":"in my I just added all those fees so that it gets removed from that total amount.","start":1291.42,"end":1296.105,"sentiment":"neutral","sentiment_score":-0.052004167262245625}],"sentiment":"neutral","sentiment_score":-0.052004167262245625,"channel":1,"num_words":17,"start":1291.42,"end":1296.105},{"sentences":[{"text":"Yep.","start":1296.205,"end":1296.705,"sentiment":"neutral","sentiment_score":0.006933366414159536}],"sentiment":"neutral","sentiment_score":0.006933366414159536,"channel":0,"num_words":1,"start":1296.205,"end":1296.705},{"sentences":[{"text":"But that's going","start":1296.345,"end":1297.065,"sentiment":"neutral","sentiment_score":0.032517376355826855}],"sentiment":"neutral","sentiment_score":0.032517376355826855,"channel":1,"num_words":3,"start":1296.345,"end":1297.065},{"sentences":[{"text":"Beautiful.","start":1296.845,"end":1297.345,"sentiment":"neutral","sentiment_score":0.09785236418247224}],"sentiment":"neutral","sentiment_score":0.09785236418247224,"channel":0,"num_words":1,"start":1296.845,"end":1297.345},{"sentences":[{"text":"to go up in February.","start":1297.065,"end":1298.765,"sentiment":"neutral","sentiment_score":0.024039975181221963},{"text":"So probably around $7.10 or something.","start":1300.4249,"end":1303.005,"sentiment":"neutral","sentiment_score":0.008851521027584871}],"sentiment":"neutral","sentiment_score":0.01575536382469264,"channel":1,"num_words":11,"start":1297.065,"end":1303.005},{"sentences":[{"text":"Yep.","start":1303.565,"end":1304.065,"sentiment":"neutral","sentiment_score":0.009760458953678608},{"text":"$7.10 in February 2027.","start":1305.085,"end":1308.87,"sentiment":"neutral","sentiment_score":0.010764143313281238},{"text":"Beautiful.","start":1309.01,"end":1309.49,"sentiment":"positive","sentiment_score":0.3850396871566773},{"text":"Thank you so much.","start":1309.49,"end":1310.29,"sentiment":"positive","sentiment_score":0.6061211675405502},{"text":"And, honestly, this budget plan is one of the best I've ever seen completed.","start":1310.29,"end":1313.25,"sentiment":"positive","sentiment_score":0.6142926216125488}],"sentiment":"positive","sentiment_score":0.47760158717089024,"channel":0,"num_words":24,"start":1303.565,"end":1313.25},{"sentences":[{"text":"You've done an amazing job.","start":1313.25,"end":1314.61,"sentiment":"positive","sentiment_score":0.7359269142150879},{"text":"Thank you so much for that.","start":1314.61,"end":1315.97,"sentiment":"positive","sentiment_score":0.6408706704775492},{"text":"I looked at them, and I was like, oh my god.","start":1315.97,"end":1317.97,"sentiment":"neutral","sentiment_score":0.2956758276982741},{"text":"This gives me warm, fuzzy feelings.","start":1317.97,"end":1319.83,"sentiment":"positive","sentiment_score":0.43512865900993347},{"text":"I love all the detail you've got here.","start":1321.1549,"end":1322.995,"sentiment":"positive","sentiment_score":0.6311426088213921}],"sentiment":"positive","sentiment_score":0.5121445978681246,"channel":0,"num_words":36,"start":1313.25,"end":1322.995},{"sentences":[{"text":"You've broken everything down so perfectly.","start":1322.995,"end":1325.335,"sentiment":"positive","sentiment_score":0.6545616090297699},{"text":"All good.","start":1329.5549,"end":1330.375,"sentiment":"positive","sentiment_score":0.4196837693452835},{"text":"Parkdale loan is there currently on how much you're paying per month.","start":1331.1549,"end":1335.03,"sentiment":"neutral","sentiment_score":0.027141665418942768},{"text":"With the loan repayments, are they the minimum requirement, or are they just what you're paying, which could be over the minimum based on the interest rate?","start":1335.27,"end":1343.77,"sentiment":"neutral","sentiment_score":-0.0070960175383974}],"sentiment":"neutral","sentiment_score":0.10427329158212276,"channel":0,"num_words":47,"start":1322.995,"end":1343.77},{"sentences":[{"text":"Oh, yes.","start":1344.88,"end":1345.44,"sentiment":"neutral","sentiment_score":-0.018006927333772182},{"text":"Good question.","start":1345.44,"end":1346.08,"sentiment":"neutral","sentiment_score":-0.016062197275459766},{"text":"So Parkdale, I'm paying 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amount.","start":1352.345,"end":1355.165,"sentiment":"neutral","sentiment_score":-0.051819021399650306}],"sentiment":"neutral","sentiment_score":-0.05398677623209854,"channel":1,"num_words":12,"start":1351.145,"end":1355.165},{"sentences":[{"text":"Yep.","start":1355.595,"end":1356.095,"sentiment":"neutral","sentiment_score":-0.01023910567164421}],"sentiment":"neutral","sentiment_score":-0.01023910567164421,"channel":0,"num_words":1,"start":1355.595,"end":1356.095},{"sentences":[{"text":"But Parkdale and Vanya, I'm only paying interest only at the minimum interest 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property, what's the current interest rate on that property?","start":1366.05,"end":1370.2301,"sentiment":"neutral","sentiment_score":0.10623536144311611}],"sentiment":"neutral","sentiment_score":0.1749501739939054,"channel":0,"num_words":15,"start":1363.995,"end":1370.2301},{"sentences":[{"text":"Oh, yeah.","start":1371.29,"end":1371.69,"sentiment":"neutral","sentiment_score":0.005208309972658753},{"text":"Okay.","start":1371.69,"end":1372.19,"sentiment":"neutral","sentiment_score":0.003464289009571075}],"sentiment":"neutral","sentiment_score":0.004626969651629527,"channel":1,"num_words":3,"start":1371.29,"end":1372.19},{"sentences":[{"text":"A loan.","start":1371.7301,"end":1372.13,"sentiment":"neutral","sentiment_score":-0.004107897635549307},{"text":"Sorry.","start":1372.13,"end":1372.53,"sentiment":"neutral","sentiment_score":-0.05041247606277466},{"text":"My 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loan?","start":1374.49,"end":1375.23,"sentiment":"neutral","sentiment_score":-0.011393458116799593},{"text":"4","start":1375.85,"end":1376.1699,"sentiment":"neutral","sentiment_score":-0.0015153642743825912}],"sentiment":"neutral","sentiment_score":-0.008923934656195343,"channel":1,"num_words":4,"start":1374.49,"end":1376.1699},{"sentences":[{"text":"Yep.","start":1376.05,"end":1376.55,"sentiment":"neutral","sentiment_score":-0.0009657868067733943}],"sentiment":"neutral","sentiment_score":-0.0009657868067733943,"channel":0,"num_words":1,"start":1376.05,"end":1376.55},{"sentences":[{"text":"150.","start":1376.1699,"end":1377.07,"sentiment":"neutral","sentiment_score":-0.001542030368000269}],"sentiment":"neutral","sentiment_score":-0.001542030368000269,"channel":1,"num_words":1,"start":1376.1699,"end":1377.07},{"sentences":[{"text":"Sorry.","start":1378.635,"end":1378.875,"sentiment":"neutral","sentiment_score":-0.019224319607019424},{"text":"What's the interest rate on the loan?","start":1378.875,"end":1380.3151,"sentiment":"neutral","sentiment_score":-0.01925284362265042},{"text":"My apologies, Sarah.","start":1380.3151,"end":1381.4551,"sentiment":"neutral","sentiment_score":-0.10981268932422002}],"sentiment":"neutral","sentiment_score":-0.04394839026711204,"channel":0,"num_words":11,"start":1378.635,"end":1381.4551},{"sentences":[{"text":"Yeah.","start":1382.1951,"end":1382.435,"sentiment":"neutral","sentiment_score":-0.014948038384318352},{"text":"Let me just get that for you.","start":1382.435,"end":1384.055,"sentiment":"neutral","sentiment_score":0.020909878558346202},{"text":"It might go up again, but my interest rate is 6.51.","start":1386.755,"end":1391.015,"sentiment":"neutral","sentiment_score":-0.011238790201869879}],"sentiment":"neutral","sentiment_score":0.0004102325949229692,"channel":1,"num_words":19,"start":1382.1951,"end":1391.015},{"sentences":[{"text":"6.51%.","start":1391.355,"end":1392.795,"sentiment":"neutral","sentiment_score":0.01538370456546545},{"text":"That's okay.","start":1392.795,"end":1393.53,"sentiment":"neutral","sentiment_score":0.19918062537908554},{"text":"I'll work on that.","start":1393.53,"end":1394.49,"sentiment":"neutral","sentiment_score":0.2379007749259472},{"text":"And if you find it does go up, just let me know because I can very easily just alter that for you.","start":1394.49,"end":1399.31,"sentiment":"neutral","sentiment_score":0.16836381568150086}],"sentiment":"neutral","sentiment_score":0.17480524138001532,"channel":0,"num_words":29,"start":1391.355,"end":1399.31},{"sentences":[{"text":"Yeah.","start":1399.75,"end":1400.25,"sentiment":"neutral","sentiment_score":0.06740960478782654}],"sentiment":"neutral","sentiment_score":0.06740960478782654,"channel":1,"num_words":1,"start":1399.75,"end":1400.25},{"sentences":[{"text":"And, yeah, you had here 450 owing on the loan.","start":1399.77,"end":1402.65,"sentiment":"neutral","sentiment_score":0.05167101509869099},{"text":"That's still fairly accurate for the Banya 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loan?","start":1417.8151,"end":1426.16,"sentiment":"neutral","sentiment_score":0.10693668432178952}],"sentiment":"neutral","sentiment_score":0.12026628818024289,"channel":0,"num_words":22,"start":1416.375,"end":1426.16},{"sentences":[{"text":"Yeah.","start":1426.63,"end":1427.13,"sentiment":"neutral","sentiment_score":0.04787454754114151},{"text":"So I'm assuming all of these are gonna go up by 2.5.","start":1427.51,"end":1430.89,"sentiment":"neutral","sentiment_score":0.059073613956570625}],"sentiment":"neutral","sentiment_score":0.058212147309229925,"channel":1,"num_words":13,"start":1426.63,"end":1430.89},{"sentences":[{"text":"Yeah.","start":1431.1,"end":1431.6,"sentiment":"neutral","sentiment_score":0.08422087132930756}],"sentiment":"neutral","sentiment_score":0.08422087132930756,"channel":0,"num_words":1,"start":1431.1,"end":1431.6},{"sentences":[{"text":"Let me 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most banks are gonna take on board anyway.","start":1440.025,"end":1445.885,"sentiment":"neutral","sentiment_score":0.08052500728517771}],"sentiment":"neutral","sentiment_score":0.1200361788758765,"channel":0,"num_words":46,"start":1432.62,"end":1445.885},{"sentences":[{"text":"yeah.","start":1446.645,"end":1447.145,"sentiment":"neutral","sentiment_score":0.056148745119571686},{"text":"So my current interest rate for my Cranbourne North property is 5.94.","start":1447.2849,"end":1452.1599,"sentiment":"neutral","sentiment_score":0.0552363283932209}],"sentiment":"neutral","sentiment_score":0.05530651429524788,"channel":1,"num_words":13,"start":1446.645,"end":1452.1599},{"sentences":[{"text":"5.94.","start":1452.68,"end":1453.7201,"sentiment":"neutral","sentiment_score":0.09429794549942017},{"text":"Beautiful.","start":1453.7201,"end":1454.2201,"sentiment":"positive","sentiment_score":0.5503036975860596},{"text":"And we'll add the interest rate increase there as well.","start":1455.4801,"end":1458.8401,"sentiment":"neutral","sentiment_score":0.29679221510887144},{"text":"Just because if I was a bank, I would definitely take that rate rise and run with it.","start":1458.8401,"end":1464.4049,"sentiment":"neutral","sentiment_score":0.17101846345596844},{"text":"Just make as much money as possible, really, isn't it?","start":1464.465,"end":1467.125,"sentiment":"neutral","sentiment_score":0.0781692910939455}],"sentiment":"neutral","sentiment_score":0.18681372618302702,"channel":0,"num_words":40,"start":1452.68,"end":1467.125},{"sentences":[{"text":"All all good.","start":1469.745,"end":1470.485,"sentiment":"positive","sentiment_score":0.553148607412974},{"text":"Beautiful.","start":1470.625,"end":1471.125,"sentiment":"positive","sentiment_score":0.6700645685195923},{"text":"That looks like mostly everything there.","start":1472.1449,"end":1474.965,"sentiment":"positive","sentiment_score":0.461178688177218},{"text":"Now just kind of with the goal side of things, we're looking at what to do over the next like, what's expected over the next five years, looking at, obviously, income paying the mortgage down and what that looks like over the next sort of five years, but also looking at the capital growth.","start":1475.345,"end":1488.99,"sentiment":"neutral","sentiment_score":0.09489713102165195},{"text":"So the growth that the properties have seen over the past couple of years and estimating that over the next few years to sort of show you, a, what the loans are expected to look like, what the growth is expecting to look like on each of the properties, and giving you your growth and net overall financial situation.","start":1488.99,"end":1508.41,"sentiment":"neutral","sentiment_score":0.14712597353983733}],"sentiment":"neutral","sentiment_score":0.15367040677919863,"channel":0,"num_words":123,"start":1469.745,"end":1508.41},{"sentences":[{"text":"Am I right in suggesting like, in saying that's kind of what you're after, or is there anything different?","start":1508.55,"end":1513.67,"sentiment":"neutral","sentiment_score":-0.011477544315551457},{"text":"Have I got any of that wrong?","start":1513.67,"end":1515.2101,"sentiment":"neutral","sentiment_score":-0.08728300620402608}],"sentiment":"neutral","sentiment_score":-0.031886707131679244,"channel":0,"num_words":26,"start":1508.55,"end":1515.2101},{"sentences":[{"text":"Yeah.","start":1515.73,"end":1516.0499,"sentiment":"neutral","sentiment_score":0.005163275636732578},{"text":"No.","start":1516.0499,"end":1516.2899,"sentiment":"neutral","sentiment_score":-0.03492748737335205},{"text":"That's right.","start":1516.2899,"end":1517.11,"sentiment":"neutral","sentiment_score":0.03571109473705292},{"text":"That's","start":1517.33,"end":1517.65,"sentiment":"neutral","sentiment_score":0.13429249823093414}],"sentiment":"neutral","sentiment_score":0.0351900951936841,"channel":1,"num_words":5,"start":1515.73,"end":1517.65},{"sentences":[{"text":"Yep.","start":1517.51,"end":1517.9901,"sentiment":"neutral","sentiment_score":0.18309631943702695}],"sentiment":"neutral","sentiment_score":0.18309631943702695,"channel":0,"num_words":1,"start":1517.51,"end":1517.9901},{"sentences":[{"text":"right.","start":1517.65,"end":1517.97,"sentiment":"neutral","sentiment_score":0.22213870286941528},{"text":"Just","start":1517.97,"end":1518.37,"sentiment":"positive","sentiment_score":0.4375263452529907}],"sentiment":"neutral","sentiment_score":0.329832524061203,"channel":1,"num_words":2,"start":1517.65,"end":1518.37},{"sentences":[{"text":"Beautiful.","start":1517.9901,"end":1518.465,"sentiment":"positive","sentiment_score":0.6209049224853516}],"sentiment":"positive","sentiment_score":0.6209049224853516,"channel":0,"num_words":1,"start":1517.9901,"end":1518.465},{"sentences":[{"text":"trying to figure out, you know, what the best way to manage it is.","start":1518.37,"end":1521.795,"sentiment":"neutral","sentiment_score":0.3267664909362793}],"sentiment":"neutral","sentiment_score":0.3267664909362793,"channel":1,"num_words":14,"start":1518.37,"end":1521.795},{"sentences":[{"text":"Yeah.","start":1522.465,"end":1522.945,"sentiment":"neutral","sentiment_score":0.2438805103302002},{"text":"Absolutely.","start":1522.945,"end":1523.445,"sentiment":"positive","sentiment_score":0.41204139590263367},{"text":"Perfect.","start":1523.825,"end":1524.325,"sentiment":"positive","sentiment_score":0.4111896753311157},{"text":"And when with these properties that are obviously interest only for a certain time frame","start":1525.585,"end":1531.1849,"sentiment":"neutral","sentiment_score":0.04078597078720728}],"sentiment":"neutral","sentiment_score":0.09327228574289216,"channel":0,"num_words":18,"start":1522.465,"end":1531.1849},{"sentences":[{"text":"Yeah.","start":1531.155,"end":1531.655,"sentiment":"neutral","sentiment_score":0.01995052583515644}],"sentiment":"neutral","sentiment_score":0.01995052583515644,"channel":1,"num_words":1,"start":1531.155,"end":1531.655},{"sentences":[{"text":"with the Park sale property.","start":1531.1849,"end":1532.6901,"sentiment":"neutral","sentiment_score":0.021537140011787415},{"text":"How long is that gonna be interest only for after the property is built?","start":1532.6901,"end":1536.15,"sentiment":"neutral","sentiment_score":0.010086459639881338}],"sentiment":"neutral","sentiment_score":0.013099796579856621,"channel":0,"num_words":19,"start":1531.1849,"end":1536.15},{"sentences":[{"text":"Generally, my broker says I can do interest only for five years.","start":1538.27,"end":1541.73,"sentiment":"neutral","sentiment_score":-0.025363645050674677}],"sentiment":"neutral","sentiment_score":-0.025363645050674677,"channel":1,"num_words":12,"start":1538.27,"end":1541.73},{"sentences":[{"text":"Yep.","start":1542.13,"end":1542.63,"sentiment":"neutral","sentiment_score":0.03832189366221428}],"sentiment":"neutral","sentiment_score":0.03832189366221428,"channel":0,"num_words":1,"start":1542.13,"end":1542.63},{"sentences":[{"text":"So","start":1542.19,"end":1542.69,"sentiment":"neutral","sentiment_score":0.02229526825249195}],"sentiment":"neutral","sentiment_score":0.02229526825249195,"channel":1,"num_words":1,"start":1542.19,"end":1542.69},{"sentences":[{"text":"You're doing the four five.","start":1542.6901,"end":1543.97,"sentiment":"neutral","sentiment_score":0.03801632896065712},{"text":"Yep.","start":1543.97,"end":1544.235,"sentiment":"neutral","sentiment_score":0.05253621190786362}],"sentiment":"neutral","sentiment_score":0.0404363094518582,"channel":0,"num_words":6,"start":1542.6901,"end":1544.235},{"sentences":[{"text":"yeah.","start":1544.4299,"end":1544.83,"sentiment":"neutral","sentiment_score":0.05750351399183273},{"text":"Potentially, I'll do the five.","start":1544.83,"end":1546.27,"sentiment":"neutral","sentiment_score":0.041967001557350156},{"text":"Otherwise, I'm not really sure.","start":1546.27,"end":1548.13,"sentiment":"neutral","sentiment_score":-0.0921895906329155},{"text":"I less, but I guess my plan is to go five and just offset the interest.","start":1548.47,"end":1554.245,"sentiment":"neutral","sentiment_score":-0.04014986380934715}],"sentiment":"neutral","sentiment_score":-0.030963231567983276,"channel":1,"num_words":27,"start":1544.4299,"end":1554.245},{"sentences":[{"text":"Yep.","start":1554.075,"end":1554.575,"sentiment":"neutral","sentiment_score":0.07854770869016647},{"text":"Yep.","start":1554.875,"end":1555.355,"sentiment":"neutral","sentiment_score":0.1603865027427673},{"text":"Beautiful.","start":1555.355,"end":1555.855,"sentiment":"positive","sentiment_score":0.38746702671051025},{"text":"And are you planning on sort of building up putting any additional money into the offset accounts to kind of build up the offset account so that when that comes up interest only, you owe less money on the over, sorry, on the overall loan when it kinda reverse the principal and interest, or you're just kinda happy paying the minimum and keeping that excess, the 100,000, sitting in the offset?","start":1557.13,"end":1578.635,"sentiment":"neutral","sentiment_score":0.09524914989588966},{"text":"What's your sort of plan with the offset and the excess money?","start":1578.635,"end":1581.375,"sentiment":"neutral","sentiment_score":0.0015958170406520367}],"sentiment":"neutral","sentiment_score":0.08614233354929575,"channel":0,"num_words":86,"start":1554.075,"end":1581.375},{"sentences":[{"text":"I wasn't really sure, to be honest.","start":1585.6951,"end":1587.475,"sentiment":"neutral","sentiment_score":-0.14861449599266052},{"text":"I I","start":1587.535,"end":1588.355,"sentiment":"neutral","sentiment_score":-0.053964126855134964}],"sentiment":"neutral","sentiment_score":-0.12758108062876594,"channel":1,"num_words":9,"start":1585.6951,"end":1588.355},{"sentences":[{"text":"Yeah.","start":1588.12,"end":1588.62,"sentiment":"neutral","sentiment_score":-0.0252836886793375}],"sentiment":"neutral","sentiment_score":-0.0252836886793375,"channel":0,"num_words":1,"start":1588.12,"end":1588.62},{"sentences":[{"text":"yeah.","start":1588.895,"end":1589.135,"sentiment":"neutral","sentiment_score":-0.03806883841753006},{"text":"I don't know.","start":1589.135,"end":1589.6951,"sentiment":"neutral","sentiment_score":-0.07005546987056732},{"text":"I'm happy to take advice because","start":1589.6951,"end":1591.635,"sentiment":"neutral","sentiment_score":-0.012418226959804693}],"sentiment":"neutral","sentiment_score":-0.03227446097880602,"channel":1,"num_words":10,"start":1588.895,"end":1591.635},{"sentences":[{"text":"Yeah.","start":1591.64,"end":1592.14,"sentiment":"neutral","sentiment_score":-0.07387454807758331}],"sentiment":"neutral","sentiment_score":-0.07387454807758331,"channel":0,"num_words":1,"start":1591.64,"end":1592.14},{"sentences":[{"text":"I guess it's hard because the offset in just because of the tax reasons, I've put it into the principal place of residence.","start":1592.655,"end":1602.52,"sentiment":"neutral","sentiment_score":-0.16105421179014703},{"text":"But,","start":1602.82,"end":1603.32,"sentiment":"neutral","sentiment_score":-0.025461431592702866}],"sentiment":"neutral","sentiment_score":-0.15540451261525354,"channel":1,"num_words":24,"start":1592.655,"end":1603.32},{"sentences":[{"text":"Yep.","start":1603.015,"end":1603.515,"sentiment":"neutral","sentiment_score":-0.030098063871264458}],"sentiment":"neutral","sentiment_score":-0.030098063871264458,"channel":0,"num_words":1,"start":1603.015,"end":1603.515},{"sentences":[{"text":"yeah, that's kind of my thinking behind it.","start":1604.1,"end":1606.1799,"sentiment":"neutral","sentiment_score":0.07324118772521615},{"text":"But if there's another alternative, then I'm happy to.","start":1606.1799,"end":1608.6,"sentiment":"neutral","sentiment_score":0.2671632559763061}],"sentiment":"neutral","sentiment_score":0.17590581209344022,"channel":1,"num_words":17,"start":1604.1,"end":1608.6},{"sentences":[{"text":"Yeah.","start":1608.9349,"end":1609.38,"sentiment":"neutral","sentiment_score":0.17375940084457395},{"text":"Yeah.","start":1609.78,"end":1610.02,"sentiment":"neutral","sentiment_score":0.2487238049507141},{"text":"Absolutely.","start":1610.02,"end":1610.52,"sentiment":"positive","sentiment_score":0.4060465395450592},{"text":"So keep keep paying down the PTR as much as possible","start":1610.82,"end":1614.04,"sentiment":"neutral","sentiment_score":0.25242016261274164}],"sentiment":"neutral","sentiment_score":0.25751082386289326,"channel":0,"num_words":14,"start":1608.9349,"end":1614.04},{"sentences":[{"text":"Yeah.","start":1614.915,"end":1615.415,"sentiment":"neutral","sentiment_score":0.16394856572151184}],"sentiment":"neutral","sentiment_score":0.16394856572151184,"channel":1,"num_words":1,"start":1614.915,"end":1615.415},{"sentences":[{"text":"and offset.","start":1615.54,"end":1616.28,"sentiment":"neutral","sentiment_score":0.19501051306724548},{"text":"Lovely.","start":1616.34,"end":1616.84,"sentiment":"positive","sentiment_score":0.5758522748947144},{"text":"So focus mostly on paying down the nontax deductible loan, keeping the other two loans as they are.","start":1616.9,"end":1622.34,"sentiment":"neutral","sentiment_score":0.27813563330305946},{"text":"You'll keep a bit of a buffer in the offset accounts if needed, but just making sure that you can, you know, maximize your tax deductions with the interest repayments and things like that.","start":1622.34,"end":1631.135,"sentiment":"neutral","sentiment_score":0.2577122629565351},{"text":"Is that sort of what you're after?","start":1631.135,"end":1632.675,"sentiment":"neutral","sentiment_score":0.13080188738448278}],"sentiment":"neutral","sentiment_score":0.252421691172546,"channel":0,"num_words":62,"start":1615.54,"end":1632.675},{"sentences":[{"text":"Yeah.","start":1633.17,"end":1633.41,"sentiment":"neutral","sentiment_score":0.09058524668216704},{"text":"Yeah.","start":1633.41,"end":1633.73,"sentiment":"neutral","sentiment_score":0.11296869069337843},{"text":"That's right.","start":1633.73,"end":1634.47,"sentiment":"neutral","sentiment_score":0.18680094182491302}],"sentiment":"neutral","sentiment_score":0.1442889552563429,"channel":1,"num_words":4,"start":1633.17,"end":1634.47},{"sentences":[{"text":"Yeah.","start":1634.655,"end":1635.055,"sentiment":"neutral","sentiment_score":0.3077099323272705},{"text":"Beautiful.","start":1635.055,"end":1635.555,"sentiment":"positive","sentiment_score":0.6671735048294067},{"text":"Excellent.","start":1636.015,"end":1636.515,"sentiment":"positive","sentiment_score":0.6727153062820435},{"text":"Overall.","start":1638.0951,"end":1638.5951,"sentiment":"positive","sentiment_score":0.4784637689590454},{"text":"So I'll look at overall capital growth expectation around each of the properties, focus on maybe mortgage repayments to sort of show you that as well over the next sort of five years based on current loan rates.","start":1640.12,"end":1657.2949,"sentiment":"neutral","sentiment_score":0.21459164548861354}],"sentiment":"neutral","sentiment_score":0.24477488192774,"channel":0,"num_words":42,"start":1634.655,"end":1657.2949},{"sentences":[{"text":"And I'll factor in the increase of the full rate rise just so we're you know, if they don't pass on the full rate rise, it works out better for you, but more than likely, they are gonna pass on the full rate rise.","start":1658.235,"end":1669.97,"sentiment":"neutral","sentiment_score":0.08654129826887087},{"text":"If","start":1670.51,"end":1670.75,"sentiment":"neutral","sentiment_score":0.0271281860768795}],"sentiment":"neutral","sentiment_score":0.08522100688682663,"channel":0,"num_words":45,"start":1658.235,"end":1670.75},{"sentences":[{"text":"Yep.","start":1670.605,"end":1671.105,"sentiment":"neutral","sentiment_score":0.04338868707418442}],"sentiment":"neutral","sentiment_score":0.04338868707418442,"channel":1,"num_words":1,"start":1670.605,"end":1671.105},{"sentences":[{"text":"you find out over the next couple of weeks that you that there are that they're not passing on the full rate rise, if you can let me know, that'd be great just so I can make sure I'm working on the most up to date information for the loan repayments as much as possible.","start":1670.75,"end":1685.735,"sentiment":"neutral","sentiment_score":0.032010981846939436}],"sentiment":"neutral","sentiment_score":0.032010981846939436,"channel":0,"num_words":55,"start":1670.75,"end":1685.735},{"sentences":[{"text":"Yeah.","start":1686.3099,"end":1686.71,"sentiment":"neutral","sentiment_score":0.08258847892284393},{"text":"No worries.","start":1686.71,"end":1687.35,"sentiment":"neutral","sentiment_score":0.11753623187541962},{"text":"Will do.","start":1687.35,"end":1688.09,"sentiment":"neutral","sentiment_score":0.1978347897529602}],"sentiment":"neutral","sentiment_score":0.1426661044359207,"channel":1,"num_words":5,"start":1686.3099,"end":1688.09},{"sentences":[{"text":"Excellent.","start":1687.9551,"end":1688.4551,"sentiment":"positive","sentiment_score":0.4933110773563385},{"text":"Beautiful.","start":1688.915,"end":1689.415,"sentiment":"positive","sentiment_score":0.4894900619983673},{"text":"And then with your super, are you just wanting this advice to sort of focus around the properties and what that looks like over the next five years, or are you wanting to sort of look at, you know, increasing contributions to super?","start":1691.395,"end":1702.5,"sentiment":"neutral","sentiment_score":0.08282909022514211},{"text":"I know with your budget planners, there's not really a a lot of extra cash flow at the moment.","start":1702.5,"end":1708.12,"sentiment":"neutral","sentiment_score":-0.036478783984325434},{"text":"Are you just sort of wanting to look at the the properties over the next five years, or did you want me to sort of factor in the super outlook and look at everything as a whole?","start":1708.4199,"end":1716.755,"sentiment":"neutral","sentiment_score":0.03133563903739323}],"sentiment":"neutral","sentiment_score":0.049611621462546364,"channel":0,"num_words":101,"start":1687.9551,"end":1716.755},{"sentences":[{"text":"What would you like?","start":1716.755,"end":1717.8151,"sentiment":"neutral","sentiment_score":0.017401978839188814}],"sentiment":"neutral","sentiment_score":0.017401978839188814,"channel":0,"num_words":4,"start":1716.755,"end":1717.8151},{"sentences":[{"text":"Yeah.","start":1721.165,"end":1721.565,"sentiment":"neutral","sentiment_score":-0.002742793411016464},{"text":"Potentially, everything as a whole.","start":1721.565,"end":1723.165,"sentiment":"neutral","sentiment_score":-0.02891213893890381},{"text":"I'm not sure","start":1723.165,"end":1724.0449,"sentiment":"neutral","sentiment_score":-0.12064459671576817}],"sentiment":"neutral","sentiment_score":-0.056581919805871114,"channel":1,"num_words":9,"start":1721.165,"end":1724.0449},{"sentences":[{"text":"Mhmm.","start":1723.7151,"end":1724.2151,"sentiment":"neutral","sentiment_score":-0.09847062826156616}],"sentiment":"neutral","sentiment_score":-0.09847062826156616,"channel":0,"num_words":1,"start":1723.7151,"end":1724.2151},{"sentences":[{"text":"how yeah.","start":1724.0449,"end":1725.085,"sentiment":"neutral","sentiment_score":-0.09874005988240242},{"text":"I just don't know where the money will come from.","start":1725.085,"end":1727.085,"sentiment":"neutral","sentiment_score":-0.12202331200242042},{"text":"And it depends on Yanni's job, but","start":1727.085,"end":1729.025,"sentiment":"neutral","sentiment_score":-0.033303044204201014}],"sentiment":"neutral","sentiment_score":-0.08688602890623243,"channel":1,"num_words":19,"start":1724.0449,"end":1729.025},{"sentences":[{"text":"Yep.","start":1729.15,"end":1729.65,"sentiment":"neutral","sentiment_score":-0.01668526791036129}],"sentiment":"neutral","sentiment_score":-0.01668526791036129,"channel":0,"num_words":1,"start":1729.15,"end":1729.65},{"sentences":[{"text":"I'm happy to potentially, you know, add more to super if there's capacity 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like.","start":1736.03,"end":1756.83,"sentiment":"neutral","sentiment_score":-0.04953174265353261},{"text":"But then, also, just when we look at the total in the next five years, factor in the projected outcome with your super as well and just go look as a whole, including your super, which will be limited.","start":1757.2899,"end":1769.035,"sentiment":"neutral","sentiment_score":0.015472457911341619}],"sentiment":"neutral","sentiment_score":-0.025743241811919417,"channel":0,"num_words":117,"start":1734.75,"end":1769.035},{"sentences":[{"text":"I'm not making any changes to super right now because it is actually working really well.","start":1769.035,"end":1773.295,"sentiment":"neutral","sentiment_score":-0.1876639323309064},{"text":"But just looking at, you know, your net and gross financial position, taking to account what your super should look like in that time frame as well.","start":1773.435,"end":1781.48,"sentiment":"neutral","sentiment_score":0.008628132856554456},{"text":"Does that sound appropriate?","start":1781.54,"end":1782.8201,"sentiment":"neutral","sentiment_score":0.04407737497240305},{"text":"Are you comfortable with that?","start":1782.8201,"end":1784.1,"sentiment":"neutral","sentiment_score":0.0025049068033695223},{"text":"Is there any additional questions there at all?","start":1784.1,"end":1786.4401,"sentiment":"neutral","sentiment_score":-0.015024171443656087}],"sentiment":"neutral","sentiment_score":-0.045017044463505344,"channel":0,"num_words":60,"start":1769.035,"end":1786.4401},{"sentences":[{"text":"No.","start":1786.775,"end":1787.015,"sentiment":"neutral","sentiment_score":0.008654996752738953},{"text":"That sounds really good.","start":1787.015,"end":1788.2351,"sentiment":"neutral","sentiment_score":0.3146177753806114}],"sentiment":"neutral","sentiment_score":0.25342521965503695,"channel":1,"num_words":5,"start":1786.775,"end":1788.2351},{"sentences":[{"text":"That sounds great.","start":1788.58,"end":1789.54,"sentiment":"positive","sentiment_score":0.6021122733751932},{"text":"Excellent.","start":1789.54,"end":1790.04,"sentiment":"positive","sentiment_score":0.4836096167564392},{"text":"And just sort of looking at long term goals, you sort of may mention you're not really sure if you wanna sell or keep the property.","start":1790.9,"end":1797.305,"sentiment":"neutral","sentiment_score":0.05883472642073265},{"text":"So but for the next five years, you kind of expect to keep them, you know, options to sell maybe down the track a little bit further.","start":1797.305,"end":1805.0801,"sentiment":"neutral","sentiment_score":0.016850206173128553},{"text":"Is that right, or am I wrong in any of 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there anything else wise that you would like me to sort of factor into this for you at all?","start":1828.7749,"end":1834.23,"sentiment":"neutral","sentiment_score":0.21069309636950492},{"text":"Is there anything I may have missed that you might want me to consider for you as well?","start":1834.23,"end":1838.39,"sentiment":"neutral","sentiment_score":0.05818832417329153},{"text":"Or","start":1838.39,"end":1838.89,"sentiment":"neutral","sentiment_score":-0.029324129223823547}],"sentiment":"neutral","sentiment_score":0.13415199059706467,"channel":0,"num_words":39,"start":1828.7749,"end":1838.89},{"sentences":[{"text":"No.","start":1840.2949,"end":1840.5349,"sentiment":"neutral","sentiment_score":-0.09338824450969696},{"text":"I think that's it.","start":1840.5349,"end":1841.495,"sentiment":"neutral","sentiment_score":-0.09835187532007694},{"text":"Just, you 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property is partly in his name, also have an effect on him.","start":1856.76,"end":1861.88,"sentiment":"neutral","sentiment_score":0.14782686886333285}],"sentiment":"neutral","sentiment_score":0.06610944560644301,"channel":0,"num_words":55,"start":1845.825,"end":1861.88},{"sentences":[{"text":"So I'll make sure I note that within the advice document for him, but it will essentially be directed to yourself.","start":1861.88,"end":1867.88,"sentiment":"neutral","sentiment_score":0.09666817777213596},{"text":"Is that okay?","start":1867.88,"end":1868.86,"sentiment":"neutral","sentiment_score":0.10467477391163509}],"sentiment":"neutral","sentiment_score":0.09766900228957336,"channel":0,"num_words":24,"start":1861.88,"end":1868.86},{"sentences":[{"text":"Oh, yeah.","start":1869.135,"end":1869.535,"sentiment":"neutral","sentiment_score":0.211247518658638},{"text":"That's 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the effect there.","start":1871.915,"end":1873.295,"sentiment":"positive","sentiment_score":0.4606412798166275},{"text":"If Yanni has any questions at any point, you're welcome to let me know.","start":1873.435,"end":1876.395,"sentiment":"neutral","sentiment_score":0.2555195710488728},{"text":"It's not a problem at all.","start":1876.395,"end":1877.855,"sentiment":"positive","sentiment_score":0.4133621056874593},{"text":"The only other thing I was sort of looking at this morning that might be a really good option, I was gonna email you, but I thought, look.","start":1878.315,"end":1883.275,"sentiment":"neutral","sentiment_score":0.07187239093972105}],"sentiment":"neutral","sentiment_score":0.2000682365922433,"channel":0,"num_words":53,"start":1871.115,"end":1883.275},{"sentences":[{"text":"I'm gonna talk to you anyway.","start":1883.275,"end":1884.575,"sentiment":"neutral","sentiment_score":0.03680524230003357},{"text":"Have you done your tax return for last financial year at 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They provide updates on current availability, budget plans, and marketing fees. They emphasize the importance of managing loans and managing credit while maintaining a positive credit score. The speaker also discusses retirement goals and tax deductions, and offers to provide guidance and quotes for deductions and tax returns. The goal is to provide a presentation and provide a quote for the fee increase."},"intents":{"segments":[{"text":"And just to do a quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you. Yes.","start_word":78,"end_word":120,"intents":[{"intent":"Conduct security check","confidence_score":0.0048488104},{"intent":"Provide security check and details","confidence_score":0.00006306032},{"intent":"Discuss personal information and address","confidence_score":0.0035001065},{"intent":"Confirm personal information","confidence_score":0.02096309},{"intent":"Confirm identity and contact information","confidence_score":0.00041221632}]},{"text":"And from your email there, you had proceeds left over of 217,000. Is that right? Yeah.","start_word":323,"end_word":338,"intents":[{"intent":"Provide timeline for closing","confidence_score":0.000011230035}]},{"text":"So just started going through things now, the land loan you currently owe, 338,000, is that still fairly correct?","start_word":746,"end_word":764,"intents":[{"intent":"Check loan status","confidence_score":0.055007376}]},{"text":"Have they given you a time frame in where the property should be fully built and handed over to you and the loan fully ready to be paid down, all all inclusive? Yeah.","start_word":1003,"end_word":1035,"intents":[{"intent":"Ensure loan completion","confidence_score":0.00082559773}]},{"text":"Just because with the budget plan, it's got, like, the Clive mortgage, Clive interest rates, and things like that. So is that kind of no longer Yes. needed?","start_word":1383,"end_word":1410,"intents":[{"intent":"Confirm plan details","confidence_score":0.0026766097}]},{"text":"So with the September budget planners here, I've got the Bunya House. I'm sorry. Am I saying that that suburb correctly?","start_word":1676,"end_word":1696,"intents":[{"intent":"Verify suburb","confidence_score":0.03762092}]},{"text":"So with the September budget planners here, I've got the Bunya House. I'm sorry. Am I saying that that suburb correctly? Is it Bunya Yes.","start_word":1676,"end_word":1700,"intents":[{"intent":"Verify transaction","confidence_score":0.00013962532}]},{"text":"With on your budget planner with the investment property admin fee of $62 annually, is that for the Bania property Bania property? The Yes.","start_word":1749,"end_word":1772,"intents":[{"intent":"Provide information","confidence_score":0.0071114204},{"intent":"Verify investment property","confidence_score":0.00022304925},{"intent":"Confirm accounting","confidence_score":0.0016432961},{"intent":"Confirm administration fee","confidence_score":0.0053466363}]},{"text":"Just Yes. making I just sure took I put that. that from the latest statement from the last financial Mhmm. yeah.","start_word":1781,"end_word":1801,"intents":[{"intent":"Confirm understanding","confidence_score":0.056994062}]},{"text":"So then on Yanni's, I've just got his take home pay currently, which is still from that workers' compensation payment. How's that going for him? Is he getting closer to because I know that ends around about November, doesn't it? Yeah.","start_word":1845,"end_word":1885,"intents":[{"intent":"Explain project progress","confidence_score":0.000039166618}]},{"text":"His lawyer his personal injury lawyer is trying to see if maybe his income protection can take over if he hasn't got a job by then. Yep.","start_word":1904,"end_word":1930,"intents":[{"intent":"Assess potential impact of project","confidence_score":6.8902364e-7}]},{"text":"some recruiters as well because I think yeah. It's just hard because he can't go back to officially plumbing, but he can potentially do Yeah.","start_word":1963,"end_word":1987,"intents":[{"intent":"Contact recruiters","confidence_score":0.51864207}]},{"text":"make sure I keep up to date.","start_word":2021,"end_word":2027,"intents":[{"intent":"Keep up to date","confidence_score":0.28165156},{"intent":"Keep up to date","confidence_score":0.30493122}]},{"text":"Be good to have something to go to every day and give him a little bit of you know, aside from the study, give him something to get up and go to work and do it. That would make a big difference.","start_word":2037,"end_word":2078,"intents":[{"intent":"Have study","confidence_score":0.0009363645}]},{"text":"I think for his well-being, I think it'll be so good if he can just get something that he's interested in. Yeah.","start_word":2083,"end_word":2104,"intents":[{"intent":"Get interest","confidence_score":0.3100489},{"intent":"Check interest","confidence_score":0.32351577}]},{"text":"And then this new property at Parkdale, and that's in joint names, is that owned you know, joint tenants in common or just jointly owned fifty fifty between the two of you?","start_word":2165,"end_word":2196,"intents":[{"intent":"Confirm ownership","confidence_score":0.13563925}]},{"text":"And are you still planning on holding a reserve of that 30,000 sitting behind, or is that kind of gonna be included in the 100 k that you wanted to sort of have in the offset account? Yeah.","start_word":2294,"end_word":2331,"intents":[{"intent":"Hold reserve","confidence_score":0.2481108}]},{"text":"And then I've got just with the interest rates, with the initial land loan interest rate, we're looking at 9.14% currently. Is that still fairly accurate? Yeah.","start_word":2560,"end_word":2586,"intents":[{"intent":"Confirm interest rate","confidence_score":0.04282855}]},{"text":"finance, we can Mhmm. potentially reduce it to a 6% rate.","start_word":2718,"end_word":2728,"intents":[{"intent":"Request rate reduction","confidence_score":0.005683521}]},{"text":"Parkdale loan is there currently on how much you're paying per month. With the loan repayments, are they the minimum requirement, or are they just what you're paying, which could be over the minimum based on the interest rate? Oh, yes.","start_word":3353,"end_word":3393,"intents":[{"intent":"Provide loan plan details","confidence_score":0.00032277408}]},{"text":"What's the interest rate on the loan?","start_word":3466,"end_word":3472,"intents":[{"intent":"Clarify interest rate","confidence_score":0.014250607}]},{"text":"So the growth that the properties have seen over the past couple of years and estimating that over the next few years to sort of show you, a, what the loans are expected to look like, what the growth is expecting to look like on each of the properties, and giving you your growth and net overall financial situation.","start_word":3769,"end_word":3827,"intents":[{"intent":"Analyze property growth and interest rates","confidence_score":0.0050865854}]},{"text":"trying to figure out, you know, what the best way to manage it is. Yeah.","start_word":3863,"end_word":3877,"intents":[{"intent":"Manage the debt and excess money","confidence_score":0.0000028450463}]},{"text":"So keep keep paying down the PTR as much as possible Yeah.","start_word":4114,"end_word":4125,"intents":[{"intent":"Pay down ptr","confidence_score":0.010326557}]},{"text":"So focus mostly on paying down the nontax deductible loan, keeping the other two loans as they are. You'll keep a bit of a buffer in the offset accounts if needed, but just making sure that you can, you know, maximize your tax deductions with the interest repayments and things like that. Is that sort of what you're after? Yeah.","start_word":4129,"end_word":4188,"intents":[{"intent":"Focus on mortgage repayments","confidence_score":0.22000137}]},{"text":"So focus mostly on paying down the nontax deductible loan, keeping the other two loans as they are. You'll keep a bit of a buffer in the offset accounts if needed, but just making sure that you can, you know, maximize your tax deductions with the interest repayments and things like that. Is that sort of what you're after? Yeah. Yeah.","start_word":4129,"end_word":4189,"intents":[{"intent":"Optimize tax deductions","confidence_score":0.12532875}]},{"text":"So I'll look at overall capital growth expectation around each of the properties, focus on maybe mortgage repayments to sort of show you that as well over the next sort of five years based on current loan rates.","start_word":4196,"end_word":4233,"intents":[{"intent":"Consider mortgage repayments","confidence_score":0.0035496033}]},{"text":"And I'll factor in the increase of the full rate rise just so we're you know, if they don't pass on the full rate rise, it works out better for you, but more than likely, they are gonna pass on the full rate rise. If Yep.","start_word":4234,"end_word":4279,"intents":[{"intent":"Show interest rates increase","confidence_score":0.0000028325255}]},{"text":"And then with your super, are you just wanting this advice to sort of focus around the properties and what that looks like over the next five years, or are you wanting to sort of look at, you know, increasing contributions to super?","start_word":4342,"end_word":4384,"intents":[{"intent":"Focus on properties","confidence_score":0.5783046}]},{"text":"I know with your budget planners, there's not really a a lot of extra cash flow at the moment. Are you just sort of wanting to look at the the properties over the next five years, or did you want me to sort of factor in the super outlook and look at everything as a whole? What would you like? Yeah.","start_word":4385,"end_word":4445,"intents":[{"intent":"Consider super outlook","confidence_score":0.13139962}]},{"text":"What I'll do is I'll make this advice to yourself. It'll be for you, but it will, because this property is partly in his name, also have an effect on him. So I'll make sure I note that within the advice document for him, but it will essentially be directed to yourself. Is that okay? Oh, yeah.","start_word":4875,"end_word":4931,"intents":[{"intent":"Provide advice","confidence_score":0.008208069}]},{"text":"you want I'm I'm gonna book it in now for you so you've got okay.","start_word":5245,"end_word":5259,"intents":[{"intent":"Book appointment","confidence_score":0.6777447}]},{"text":"For me, it's not about the fee. For me, it's about helping you and doing the advice. But I just like to make sure that you're essentially aware of everything and across the information to make sure I'm upfront and honest there with you as well. Okay.","start_word":5814,"end_word":5860,"intents":[{"intent":"Educate about fee structure changes","confidence_score":0.004512375}]}]},"sentiments":{"segments":[{"text":"Hello. Hi, Hi, Jane. Sarah. Hi, Sarah. It's Dana from Oakley. How are you? Yes. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.11299357563257216},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":18,"end_word":25,"sentiment":"positive","sentiment_score":0.519572377204895},{"text":"I is now still a good time to go through things with you? Yeah.","start_word":26,"end_word":39,"sentiment":"neutral","sentiment_score":0.3232983946800232},{"text":"Perfect. Fantastic.","start_word":40,"end_word":41,"sentiment":"positive","sentiment_score":0.6098700761795044},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Of course.","start_word":42,"end_word":74,"sentiment":"neutral","sentiment_score":0.23179283738136292},{"text":"That's good. Fantastic.","start_word":75,"end_word":77,"sentiment":"positive","sentiment_score":0.5169677138328552},{"text":"And just to do a quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you. Yes. So Sarah Bethany, 02/24/1992 And 20 Delvio Crescent Creme Bernoff.","start_word":78,"end_word":130,"sentiment":"neutral","sentiment_score":0.17985166609287262},{"text":"Beautiful. Thank you so much for that. Perfect. So thank you for sending everything through.","start_word":131,"end_word":145,"sentiment":"positive","sentiment_score":0.5343295931816101},{"text":"How's your week been so far? Yeah. Good. How's yours been? Have you been away? Yeah. I have. Yes. I did take two weeks off to have a little bit of a break. I hadn't had a holiday this year. So just to take a bit of a break with my son, but it was nice and back into it and busy as ever.","start_word":146,"end_word":209,"sentiment":"neutral","sentiment_score":0.1336268037557602},{"text":"Love it.","start_word":210,"end_word":211,"sentiment":"positive","sentiment_score":0.39976686239242554},{"text":"Oh, yes. No. That's great. Yeah. Yeah. Well, let's just jump into things, and thank you so much for sending everything through. I've kinda gone through and correlated as much as I possibly can and put it into one area to kinda give me an idea on where things are tracking there. So just sort of starting from with the property side of things, you've sold the Victorian property, the Craneborn property held in Yanni's name. That's all being sold. Is that right? Yeah. Yeah. That's right. The client property. Yeah. Yep. Oh, perfect. So sorry. It's quiet property. No. Craneborn. My apologies. No. It's alright. Yeah. Quiet Property.","start_word":212,"end_word":320,"sentiment":"neutral","sentiment_score":0.07758203893899918},{"text":"Excellent. Beautiful.","start_word":321,"end_word":322,"sentiment":"positive","sentiment_score":0.3754427433013916},{"text":"And from your email there, you had proceeds left over of 217,000. Is that right? Yeah. Yeah. That's right.","start_word":323,"end_word":341,"sentiment":"neutral","sentiment_score":0.14635050139929118},{"text":"Beautiful.","start_word":342,"end_word":342,"sentiment":"positive","sentiment_score":0.6754943132400513},{"text":"And that's that's after you've paid all the extra fees for the settlement costs and paid the loan back? Yeah. Yeah. That's right. Yeah.","start_word":343,"end_word":366,"sentiment":"neutral","sentiment_score":0.1098853200674057},{"text":"Beautiful.","start_word":367,"end_word":367,"sentiment":"positive","sentiment_score":0.4784720540046692},{"text":"And you mentioned here that you've also that that money sitting in between Yanni's offset account and his savings account. Is that right? Yeah. That's right. Yep.","start_word":368,"end_word":394,"sentiment":"neutral","sentiment_score":0.08652147650718689},{"text":"Beautiful.","start_word":395,"end_word":395,"sentiment":"positive","sentiment_score":0.49019062519073486},{"text":"And savings.","start_word":396,"end_word":397,"sentiment":"neutral","sentiment_score":0.26310238242149353},{"text":"Excellent.","start_word":398,"end_word":398,"sentiment":"positive","sentiment_score":0.4286133944988251},{"text":"And there was also a mention of a inheritance of a 100,000. Have you received that as well? Yeah. That's right. Beautiful. And where is that located at the moment, that 100,000? That's sitting in my offset. And but Okay. we did we basically used to settle on the land that we purchased, we had to use that essentially and some more. So it's kind of yeah. So we had to pay a 130 to settle the land, 130,000. Yep. So yeah. Even though we've added anything, that's kind of gone. Okay. No worries. So not not worrying about that 100,000. That's all basically used up, essentially. Yeah. That's right. Yep. Yep.","start_word":399,"end_word":510,"sentiment":"neutral","sentiment_score":-0.003873527981340885},{"text":"Beautiful.","start_word":511,"end_word":511,"sentiment":"positive","sentiment_score":0.35176360607147217},{"text":"So not to worry about that.","start_word":512,"end_word":517,"sentiment":"neutral","sentiment_score":0.20126694440841675},{"text":"Beautiful.","start_word":518,"end_word":518,"sentiment":"positive","sentiment_score":0.3434906005859375},{"text":"Mhmm. Excellent. And how's everything going with regards to the build as a new property? When's it all expected to start, and how's the planning going? Yeah. Good. We Yep. are middle of town planning, like, during the advertising period. So there is one objection and the for the build. So the Mhmm. town with the objective to kind of alleviate that to continue pushing through the town planning phase. So Yeah. that is finished. We should be able to get to working drawings in the next six to eight weeks, which means Okay. that they can start quoting and start building kind of within probably November. December is when they might be able to start Okay. building. Yep. But, you know, it might push out to January if there's any other further issues. Yeah. Absolutely. Any issues?","start_word":519,"end_word":656,"sentiment":"neutral","sentiment_score":0.022884823381900787},{"text":"Fantastic.","start_word":657,"end_word":657,"sentiment":"positive","sentiment_score":0.4102291762828827},{"text":"Excellent. And just kinda going through now, I know there has been some changes to interest rate to the cash rate again, which could obviously affect interest rates with the banks. Thinking about the loan now with because this is the Parkdale property. Can I get the full address for this property of Yeah. you? Oh, yes. 300 Yep. and Sorry. What was that? 3340? three hundred and forty Yep. Pomo Parade, C O M O, Yep. Parade West Yep. in Yep. Park Deck. Parkdale.","start_word":658,"end_word":742,"sentiment":"neutral","sentiment_score":-0.0010078035295009611},{"text":"Beautiful. Excellent. Beautiful.","start_word":743,"end_word":745,"sentiment":"positive","sentiment_score":0.6611480712890625},{"text":"So just started going through things now, the land loan you currently owe, 338,000, is that still fairly correct? It's actually 296,000. Yeah. $2.90 So 6? it's yeah. Yep. That's okay. Easy. And then I've got the construction loan being about 417,000. Is that correct? Yeah. Hopefully. We'll see how it all goes, but it should be around that. Yeah. Okay.","start_word":746,"end_word":806,"sentiment":"neutral","sentiment_score":0.04830707609653473},{"text":"Beautiful.","start_word":807,"end_word":807,"sentiment":"positive","sentiment_score":0.5158513784408569},{"text":"Just to sort of look at that for you.","start_word":808,"end_word":816,"sentiment":"neutral","sentiment_score":0.3108507990837097},{"text":"Excellent.","start_word":817,"end_word":817,"sentiment":"positive","sentiment_score":0.394827663898468},{"text":"So we're looking at total sorry. I got all my stuff everywhere. So $2.96, and we're also looking at 417,000. So we're looking at about 713,000 total lending at the end of everything. Is that right? That's how much the loan should be once it's all constructed? Yep. Something like that. That's all going well? Yep. That's okay.","start_word":818,"end_word":875,"sentiment":"neutral","sentiment_score":0.06732635200023651},{"text":"Beautiful.","start_word":876,"end_word":876,"sentiment":"positive","sentiment_score":0.5242658853530884},{"text":"And then under here, I've also got potential reduced debt scenario of 655,000. What was the difference in that? Is that sort of adding some additional funds in there or because it was an extra 100,000. Yeah. That was potentially adding some extra funds into the loan, but I'm thinking what we'll do is we'll keep the loan in the off we'll keep the money in the offset rather than adding it to the loan. Mhmm. Okay. Beautiful. But So I'll just I'm I'm not really sure. I'll see how it goes. Like, that's why I thought maybe I'll chat to you. that's Like, I'll just yep. see what what kind of work. Yeah. That's absolutely fine. And what's kind of the ETA on handover? Have they given you a time frame in where the property should be fully built and handed over to you and the loan fully ready to be paid down, all all inclusive? Yeah. He said the builder said roughly nine months. Nine months. So yeah.","start_word":877,"end_word":1046,"sentiment":"neutral","sentiment_score":0.020998769111054784},{"text":"Beautiful.","start_word":1047,"end_word":1047,"sentiment":"positive","sentiment_score":0.5511234998703003},{"text":"So from kind of, you know, somewhere between November and January, they'll start, and then there'll be nine months to build it. Yep. Yep.","start_word":1048,"end_word":1071,"sentiment":"neutral","sentiment_score":0.1060064062476158},{"text":"Perfect.","start_word":1072,"end_word":1072,"sentiment":"positive","sentiment_score":0.4846966862678528},{"text":"November. And then nine months for build and then handover. Yep.","start_word":1073,"end_word":1083,"sentiment":"neutral","sentiment_score":0.16067585349082947},{"text":"Beautiful.","start_word":1084,"end_word":1084,"sentiment":"positive","sentiment_score":0.562152624130249},{"text":"And I'll just put here total loan expected 713,000, 100,000 to be held in the offset account. So that will did you want me to factor in the offset account having the set account having the 100,000 into the projected outcome for you or just maybe work on the full loan balance? I think just work oh, yeah. Maybe if the if there's an option to run them both side by side to see Yeah. what's Yeah. the option. Yeah. Absolutely. Because, Yeah. I guess I can give you an update on our current availability for you know, after all said and done with settling the property, getting the as well as, you know, settling the land, etcetera. Yep. So in my offset currently, I've got 221,000 and available, and then Yani has McCrory. He's got 67.5. Okay. Beautiful. 67,500. And are those in the current offsets for the two investment properties that you each own currently? No. So the the the off the 221 is sitting in my our principal place of residence offset, and DVR offset. Yep. Yanni, 67,000 is sitting in a high interest saver. High interest saver. Because this home's sold, and the Queensland property is in my name. And it's an interest only loan, so I don't have an offset account. Okay. No. That's alright. Just because I'm having a look. So with the budget plan as I got through, I've got the Banya House, which is the Victorian property. And is that the one Oh, sorry. The one is a Queensland property. Banya is a Queensland property. Beautiful. And then I've also got here Clyde, which is sorry. I Yeah. just sent it. That's so Well, you speak I so Clyde was the one that was sold.","start_word":1085,"end_word":1377,"sentiment":"neutral","sentiment_score":0.02379134594408776},{"text":"Beautiful.","start_word":1378,"end_word":1378,"sentiment":"positive","sentiment_score":0.47868186235427856},{"text":"yeah.","start_word":1379,"end_word":1379,"sentiment":"neutral","sentiment_score":0.26541733741760254},{"text":"Beautiful. Excellent. Lovely.","start_word":1380,"end_word":1382,"sentiment":"positive","sentiment_score":0.6104480028152466},{"text":"Just because with the budget plan, it's got, like, the Clive mortgage, Clive interest rates, and things like that. So is that kind of no longer Yes. needed? I updated budget. Hold on. Did I send you the wrong That's one? okay. You're absolutely fine. Because yeah. Hopefully, the September 1 should have had nothing to do with Clyde on there. But if I sent This one has July 20 you I've got Yanni's July 2026 completed, and I've got your July 2026 completed budget planners. so Yanni's September 2026. Have you got that one? Let me Is double that one moved all check of his and see. No. That's okay. I've also could have just opened up the wrong budget planners. yeah. Which can also check it's quite changes a little bit There. too That's with you. okay. That's okay. I'll just open up oh, it's still attached to the email. He hasn't downloaded properly. Beautiful. Got them here. Excellent. So this is the September one. My apologies. I was opening up everything, and I just pulled the wrong ones up. Yes.","start_word":1383,"end_word":1565,"sentiment":"neutral","sentiment_score":-0.02089717239141464},{"text":"So it's all good. You've actually done a really great job sending everything through. It gives me a really good kind of view of where everything is up to and what you've got.","start_word":1566,"end_word":1598,"sentiment":"positive","sentiment_score":0.571260929107666},{"text":"Just there we go. And I'll move this one over here.","start_word":1599,"end_word":1609,"sentiment":"neutral","sentiment_score":0.10066889971494676},{"text":"Beautiful.","start_word":1610,"end_word":1610,"sentiment":"positive","sentiment_score":0.361287534236908},{"text":"I think because yeah. I'm glad we're meeting now because I think it was a little bit confusing. With all of the changes, you know, we didn't know if we're gonna get the land or the house was gonna Yeah. sell. So that's all good. You've definitely had a lot going on. That's for sure. They had a busy few months. Oh, good. Alright. So with the September budget planners here, I've got the Bunya House. I'm sorry. Am I saying that that suburb correctly? Is it Bunya Yes. Bunya? Yep. The Bunya House income with the Bunya Home Repairs, we've got the mortgage repayment, which is great, Yes. and the Craneborn is your main primary residence still. That's all fine. Yes. Yep.","start_word":1611,"end_word":1733,"sentiment":"neutral","sentiment_score":0.08274652330371422},{"text":"I love that. It's got the water rates and all the bits and pieces there.","start_word":1734,"end_word":1748,"sentiment":"positive","sentiment_score":0.49294090270996094},{"text":"With on your budget planner with the investment property admin fee of $62 annually, is that for the Bania property Bania property? The Yes. admin fee you pay for that. Yep.","start_word":1749,"end_word":1779,"sentiment":"neutral","sentiment_score":0.0776842013001442},{"text":"Beautiful.","start_word":1780,"end_word":1780,"sentiment":"positive","sentiment_score":0.4538216590881348},{"text":"Just Yes. making I just sure took I put that. that from the latest statement from the last financial Mhmm. yeah. Like, there's some recurring things like the, you know, Mhmm. Yep. Yep. Perfect. Alright.","start_word":1781,"end_word":1815,"sentiment":"neutral","sentiment_score":0.047719746828079224},{"text":"Beautiful.","start_word":1816,"end_word":1816,"sentiment":"positive","sentiment_score":0.43875497579574585},{"text":"And I've got the admin fee there.","start_word":1817,"end_word":1823,"sentiment":"neutral","sentiment_score":0.2073640376329422},{"text":"Fantastic.","start_word":1824,"end_word":1824,"sentiment":"positive","sentiment_score":0.48278671503067017},{"text":"And the Craneborn has the offset with the extra funds in it. Beautiful. Mhmm. Just going through the other things. So then on Yanni's, I've just got his take home pay currently, which is still from that workers' compensation payment. How's that going for him? Is he getting closer to because I know that ends around about November, doesn't it? Yeah. December 5 at end. So he's very busy trying to finish his course and apply for jobs. Yep. His lawyer his personal injury lawyer is trying to see if maybe his income protection can take over if he hasn't got a job by then. Yep. But, yeah, it's just hopefully he has been trying for a long time, but I think because he's been out of the industry for so long, he's planning Nice. to contact Yeah. some recruiters as well because I think yeah. It's just hard because he can't go back to officially plumbing, but he can potentially do Yeah. supervising, teaching, something else that isn't, you know, hands on the tool. But it's just kinda Yeah. hard to yeah.","start_word":1825,"end_word":2007,"sentiment":"neutral","sentiment_score":-0.024481816217303276},{"text":"Okay. Beautiful. Well, good luck, and, hopefully, it all goes well. I'll Yeah. make sure I keep up to date. And, yeah, hopefully, it all goes well for him. Be good to have something to go to every day and give him a little bit of you know, aside from the study, give him something to get up and go to work and do it. That would make a big difference.","start_word":2008,"end_word":2078,"sentiment":"positive","sentiment_score":0.5252985954284668},{"text":"That's for sure. Yeah. I think for his well-being, I think it'll be so good if he can just get something that he's interested in. Yeah. Yeah. Absolutely. No. Perfect.","start_word":2079,"end_word":2108,"sentiment":"neutral","sentiment_score":0.2902940809726715},{"text":"That sounds fantastic.","start_word":2109,"end_word":2111,"sentiment":"positive","sentiment_score":0.4295700788497925},{"text":"So at the moment, you've got the Craneborn property, which is your main primary residence. We've got the Banya Home, which is the investment property in your name solely. The Craneborn property, is that in both names, or is that just in your name? Just say my name. Just in your name. Beautiful. And then this new property at Parkdale, and that's in joint names, is that owned you know, joint tenants in common or just jointly owned fifty fifty between the two of you? Yeah. Just fifty fifty between us.","start_word":2112,"end_word":2202,"sentiment":"neutral","sentiment_score":0.03691653534770012},{"text":"Beautiful. Beautiful. Excellent.","start_word":2203,"end_word":2205,"sentiment":"positive","sentiment_score":0.41731786727905273},{"text":"And just double checking the interest, sir, I've also got here that you expected rental income's between 900 to 1,000 per week once the property is fully built. Do you feel that that's still fairly appropriate? Yeah. I mean, it might be, you know, $8.50 to $9.50 or, you know, $8.50 Yep. to 1,000. Yeah. I'm not really sure. That was the quote that I got from the agent. Yep. That's okay. We'll just work on the quote that you got from them. That's absolutely fine. Yeah. Perfect. And are you still planning on holding a reserve of that 30,000 sitting behind, or is that kind of gonna be included in the 100 k that you wanted to sort of have in the offset account? Yeah. So I think definitely the 30,000 will need to remain for all the interest up until build that Yep. will hopefully claim against for, you know, our income tax down the track because it's an entry property. So Yep. we'll yeah. I've planned to keep the 30,000 Yep. definitely. Yeah.","start_word":2206,"end_word":2381,"sentiment":"neutral","sentiment_score":0.05670547857880592},{"text":"Yes. Perfect. Excellent.","start_word":2382,"end_word":2384,"sentiment":"positive","sentiment_score":0.6007195115089417},{"text":"And is that gonna sit in the offset account and just be as the repayments need to be made while the construction's going through, it'll just be directed from the offset account, or is that just gonna be in another account sort of directed back to the loan? How do you sort of plan on having that sitting? So that's just sitting in my offset account, and it will be paying down the interest only loan of the Mhmm. bill. Yeah. Other So bill. And which would you come I'm out? sorry. Okay. You're right. Sorry to be painful, but which offset account is that gonna be sitting in? My Cranbourne North property. Cranbourne.","start_word":2385,"end_word":2498,"sentiment":"neutral","sentiment_score":0.03233884647488594},{"text":"Beautiful.","start_word":2499,"end_word":2499,"sentiment":"positive","sentiment_score":0.3705694377422333},{"text":"Yeah. North North.","start_word":2500,"end_word":2502,"sentiment":"neutral","sentiment_score":0.1672317087650299},{"text":"Excellent. Beautiful. Lovely.","start_word":2503,"end_word":2505,"sentiment":"positive","sentiment_score":0.5511395335197449},{"text":"So trying to keep as much money as possible sitting in the main primary residence offset account because that's nontax deductible and trying to keep as much tax deductible loan owing as, like, for that tax deductibility. Is that sort of where you're going with that? Yeah. That's the plan. Yep.","start_word":2506,"end_word":2556,"sentiment":"neutral","sentiment_score":0.1758032590150833},{"text":"Beautiful. Excellent. Lovely.","start_word":2557,"end_word":2559,"sentiment":"positive","sentiment_score":0.527923583984375},{"text":"And then I've got just with the interest rates, with the initial land loan interest rate, we're looking at 9.14% currently. Is that still fairly accurate? Yeah. It was 8.39 that Yep. we but, yeah, probably after the interest rate rise, it's gonna go up to point 25%. So it'll go up to what? Point two. I think it was 8.39. Let me just check. Yeah. You're right. Yeah. So it'll go to 8.64. So we'll save Parkdale. 8.64% is expected after rise. Beautiful. And then I've got here indicative refinance construction loan rate of 6.36 interest only. Yes. Is that the so that's normally a refinance rate. You'll be paying the eight point sorry. The 8.64% interest on the loan, won't you? Yeah. So we're paying that on the Yep. 206,000 until we construct until we can move to a construction finance. My brother said that once Johnny gets a job and we move to construction Yeah. finance, we can Mhmm. potentially reduce it to a 6% rate. Okay. But that would just on because he's on work cover and we had to use a high rate for the settlement, Yep. yeah, we couldn't find any other major lender that would offer Sorry. That's a Sorry. That's absolutely fine. yeah. Yeah. Absolutely fine. So I'll just note that that is if you refinance down the track, that's a possibility, but we'll work on the 8.3 8.64% for Yep. the loan because that's what you sort of expect it to be currently doing. If anything changes over the next couple of weeks, please just let me know while I'm going to the research component. If I find there's anything additional I need to kinda confirm, I'll make sure I email or touch base there for you as well. Yes. Yes.","start_word":2560,"end_word":2859,"sentiment":"neutral","sentiment_score":0.035592511215557655},{"text":"Beautiful. That looks really good.","start_word":2860,"end_word":2864,"sentiment":"positive","sentiment_score":0.6578181385993958},{"text":"Now with the Parkdale property, is there any looking kinda at management fees, rates, and things like that, do you have any kinda estimate on how much those costs are expected to be once the property is all handed over. Yes. Let me just find out for you. That's okay. Yeah. I think I've got a is there a 6% for the let me just bring up my You're absolutely fine. Yeah. I think what the agent because I was just asking the agent about a few things. Marketing fee. Yeah. The management fee was 6%. 6% management fee. So once handed over.","start_word":2865,"end_word":2967,"sentiment":"neutral","sentiment_score":0.04658569395542145},{"text":"Fantastic.","start_word":2968,"end_word":2968,"sentiment":"positive","sentiment_score":0.4888208508491516},{"text":"An estimate on kind of rates and water and things like that, do you know roughly what those might cost you? Yeah. We've actually we have that. So the cancel rate is 1,027 per year with its current because it's based on land valuation. But Yep. I'm yeah. So that's the current rate. Yep. We will be paying land tax as well, which is about 1,700 a year. And then Beautiful. what about insurance? Yeah. Insurances, I'm assuming, will be around, you know, 2,000. And then, you know, you've got the pest management and all that stuff similar to Yes. that now, which will be a few $100 as well. Did you want me just to factor in maybe $500 for, like, pest management and control and things like that? Yeah. Just maintenance. That's fine. Yep. Yep. Per year for maintenance and pest control. Perfect. Yep.","start_word":2969,"end_word":3114,"sentiment":"neutral","sentiment_score":0.03500527148581531},{"text":"Excellent. Beautiful.","start_word":3115,"end_word":3116,"sentiment":"positive","sentiment_score":0.42678749561309814},{"text":"That's basically everything for the Parkdale loan at the moment, unless there's anything else that you can think of that might be important to kind of note down for the Parkdale property. Any changes or anything else that's due to change? Or No. I think that's all good. that's okay.","start_word":3117,"end_word":3166,"sentiment":"neutral","sentiment_score":0.056459683924913406},{"text":"Beautiful.","start_word":3167,"end_word":3167,"sentiment":"positive","sentiment_score":0.385805606842041},{"text":"Excellent. So the other one is so looking at the Banjo property, I've got your home repairs, management fees, mortgages, your income coming in on a regular basis. The income that you've got noted on the budget plan of that, is that before all of your, like, management fees and things like that are accounted for, or is that what you're receiving after all those have been taken to account? Yep. No. That's the, like, contracted amount, 680. And then I just added Yep. in my I just added all those fees so that it gets removed from that total amount. Yep. But that's going Beautiful. to go up in February. So probably around $7.10 or something. Yep. $7.10 in February 2027.","start_word":3168,"end_word":3289,"sentiment":"neutral","sentiment_score":0.011440670117735864},{"text":"Beautiful. Thank you so much. And, honestly, this budget plan is one of the best I've ever seen completed. You've done an amazing job. Thank you so much for that.","start_word":3290,"end_word":3319,"sentiment":"positive","sentiment_score":0.6197785139083862},{"text":"I looked at them, and I was like, oh my god.","start_word":3320,"end_word":3330,"sentiment":"neutral","sentiment_score":0.2970632314682007},{"text":"This gives me warm, fuzzy feelings. I love all the detail you've got here. You've broken everything down so perfectly. All good.","start_word":3331,"end_word":3352,"sentiment":"positive","sentiment_score":0.5533960461616516},{"text":"Parkdale loan is there currently on how much you're paying per month. With the loan repayments, are they the minimum requirement, or are they just what you're paying, which could be over the minimum based on the interest rate? Oh, yes. Good question. So Parkdale, I'm paying more. Yep. Sorry. Not Parkdale. Cranbourne North, I'm paying more than the contracted amount. Yep. But Parkdale and Vanya, I'm only paying interest only at the minimum interest amount Yep. that I have to yep.","start_word":3353,"end_word":3434,"sentiment":"neutral","sentiment_score":-0.01964477308821387},{"text":"Beautiful. Excellent.","start_word":3435,"end_word":3436,"sentiment":"positive","sentiment_score":0.6215964555740356},{"text":"And with the Bunya property, what's the current interest rate on that property? Oh, yeah. Okay. A loan. Sorry. My apologies. Loan. Oh, the loan? 4 Yep. 150. Sorry. What's the interest rate on the loan? My apologies, Sarah. Yeah. Let me just get that for you. It might go up again, but my interest rate is 6.51. 6.51%. That's okay. I'll work on that. And if you find it does go up, just let me know because I can very easily just alter that for you. Yeah. And, yeah, you had here 450 owing on the loan. That's still fairly accurate for the Banya property? Yeah. That's the same. Yep. Yep.","start_word":3437,"end_word":3548,"sentiment":"neutral","sentiment_score":0.05366821587085724},{"text":"Beautiful. I've got income and everything there. Excellent.","start_word":3549,"end_word":3556,"sentiment":"positive","sentiment_score":0.5140064358711243},{"text":"6.51%. And that's interest only as well. Yes.","start_word":3557,"end_word":3564,"sentiment":"neutral","sentiment_score":0.242039293050766},{"text":"Excellent.","start_word":3565,"end_word":3565,"sentiment":"positive","sentiment_score":0.40018796920776367},{"text":"And with the Craneborn property, your main primary residence, how what's your interest rate on that one currently on the loan? Yeah. So I'm assuming all of these are gonna go up by 2.5. Yeah. Let me just I go can factor in as a a full rate rise into the percent if you like, and that we can kind of work on that for you. That way, we're factoring in the potential rate rise, which I'm assuming most banks are gonna take on board anyway. yeah. So my current interest rate for my Cranbourne North property is 5.94. 5.94.","start_word":3566,"end_word":3665,"sentiment":"neutral","sentiment_score":0.0975983664393425},{"text":"Beautiful.","start_word":3666,"end_word":3666,"sentiment":"positive","sentiment_score":0.5503036975860596},{"text":"And we'll add the interest rate increase there as well. Just because if I was a bank, I would definitely take that rate rise and run with it. Just make as much money as possible, really, isn't it?","start_word":3667,"end_word":3704,"sentiment":"neutral","sentiment_score":0.17074981331825256},{"text":"All all good. Beautiful. That looks like mostly everything there.","start_word":3705,"end_word":3714,"sentiment":"positive","sentiment_score":0.5600647926330566},{"text":"Now just kind of with the goal side of things, we're looking at what to do over the next like, what's expected over the next five years, looking at, obviously, income paying the mortgage down and what that looks like over the next sort of five years, but also looking at the capital growth. So the growth that the properties have seen over the past couple of years and estimating that over the next few years to sort of show you, a, what the loans are expected to look like, what the growth is expecting to look like on each of the properties, and giving you your growth and net overall financial situation. Am I right in suggesting like, in saying that's kind of what you're after, or is there anything different? Have I got any of that wrong? Yeah. No. That's right. That's Yep. right.","start_word":3715,"end_word":3860,"sentiment":"neutral","sentiment_score":0.08974967151880264},{"text":"Just Beautiful.","start_word":3861,"end_word":3862,"sentiment":"positive","sentiment_score":0.5597787499427795},{"text":"trying to figure out, you know, what the best way to manage it is. Yeah.","start_word":3863,"end_word":3877,"sentiment":"neutral","sentiment_score":0.3166459798812866},{"text":"Absolutely. Perfect.","start_word":3878,"end_word":3879,"sentiment":"positive","sentiment_score":0.4116155505180359},{"text":"And when with these properties that are obviously interest only for a certain time frame Yeah. with the Park sale property. How long is that gonna be interest only for after the property is built? Generally, my broker says I can do interest only for five years. Yep. So You're doing the four five. Yep. yeah. Potentially, I'll do the five. Otherwise, I'm not really sure. I less, but I guess my plan is to go five and just offset the interest. Yep. Yep.","start_word":3880,"end_word":3963,"sentiment":"neutral","sentiment_score":0.008426656946539879},{"text":"Beautiful.","start_word":3964,"end_word":3964,"sentiment":"positive","sentiment_score":0.38746702671051025},{"text":"And are you planning on sort of building up putting any additional money into the offset accounts to kind of build up the offset account so that when that comes up interest only, you owe less money on the over, sorry, on the overall loan when it kinda reverse the principal and interest, or you're just kinda happy paying the minimum and keeping that excess, the 100,000, sitting in the offset? What's your sort of plan with the offset and the excess money? I wasn't really sure, to be honest. I I Yeah. yeah. I don't know. I'm happy to take advice because Yeah. I guess it's hard because the offset in just because of the tax reasons, I've put it into the principal place of residence. But, Yep. yeah, that's kind of my thinking behind it. But if there's another alternative, then I'm happy to. Yeah. Yeah.","start_word":3965,"end_word":4112,"sentiment":"neutral","sentiment_score":0.029301059400864148},{"text":"Absolutely.","start_word":4113,"end_word":4113,"sentiment":"positive","sentiment_score":0.4060465395450592},{"text":"So keep keep paying down the PTR as much as possible Yeah. and offset.","start_word":4114,"end_word":4127,"sentiment":"neutral","sentiment_score":0.23367290198802948},{"text":"Lovely.","start_word":4128,"end_word":4128,"sentiment":"positive","sentiment_score":0.5758522748947144},{"text":"So focus mostly on paying down the nontax deductible loan, keeping the other two loans as they are. You'll keep a bit of a buffer in the offset accounts if needed, but just making sure that you can, you know, maximize your tax deductions with the interest repayments and things like that. Is that sort of what you're after? Yeah. Yeah. That's right. Yeah.","start_word":4129,"end_word":4192,"sentiment":"neutral","sentiment_score":0.23686565458774567},{"text":"Beautiful. Excellent. Overall.","start_word":4193,"end_word":4195,"sentiment":"positive","sentiment_score":0.6061175465583801},{"text":"So I'll look at overall capital growth expectation around each of the properties, focus on maybe mortgage repayments to sort of show you that as well over the next sort of five years based on current loan rates. And I'll factor in the increase of the full rate rise just so we're you know, if they don't pass on the full rate rise, it works out better for you, but more than likely, they are gonna pass on the full rate rise. If Yep. you find out over the next couple of weeks that you that there are that they're not passing on the full rate rise, if you can let me know, that'd be great just so I can make sure I'm working on the most up to date information for the loan repayments as much as possible. Yeah. No worries. Will do.","start_word":4196,"end_word":4339,"sentiment":"neutral","sentiment_score":0.10192207992076874},{"text":"Excellent. Beautiful.","start_word":4340,"end_word":4341,"sentiment":"positive","sentiment_score":0.4914005696773529},{"text":"And then with your super, are you just wanting this advice to sort of focus around the properties and what that looks like over the next five years, or are you wanting to sort of look at, you know, increasing contributions to super? I know with your budget planners, there's not really a a lot of extra cash flow at the moment. Are you just sort of wanting to look at the the properties over the next five years, or did you want me to sort of factor in the super outlook and look at everything as a whole? What would you like? Yeah. Potentially, everything as a whole. I'm not sure Mhmm. how yeah. I just don't know where the money will come from. And it depends on Yanni's job, but Yep.","start_word":4342,"end_word":4474,"sentiment":"neutral","sentiment_score":0.005594462621957064},{"text":"I'm happy to potentially, you know, add more to super if there's capacity to.","start_word":4475,"end_word":4488,"sentiment":"positive","sentiment_score":0.6465888619422913},{"text":"Yeah. No. That's okay. It does look like with your budget plan, because you're sitting in the negative expectation wise at the moment, I'd be really, you know, not wanting to increase your contributions in, but I can sort of factor in, like, work on the properties as a whole for this advice document for you and look at the growth over the next sort of five years to give you an idea of what this looks like. But then, also, just when we look at the total in the next five years, factor in the projected outcome with your super as well and just go look as a whole, including your super, which will be limited. I'm not making any changes to super right now because it is actually working really well. But just looking at, you know, your net and gross financial position, taking to account what your super should look like in that time frame as well. Does that sound appropriate? Are you comfortable with that? Is there any additional questions there at all? No. That sounds really good.","start_word":4489,"end_word":4670,"sentiment":"neutral","sentiment_score":-0.026794493198394775},{"text":"That sounds great. Excellent.","start_word":4671,"end_word":4674,"sentiment":"positive","sentiment_score":0.5651895403862},{"text":"And just sort of looking at long term goals, you sort of may mention you're not really sure if you wanna sell or keep the property. So but for the next five years, you kind of expect to keep them, you know, options to sell maybe down the track a little bit further. Is that right, or am I wrong in any of that? Yeah. That's right. I think we're planning That's to right. keep but, you know, if a situation arises where it's better to sell, then we may sell. But at this time, we're just planning to, yeah, go ahead with keeping them both the and then our principal place of residence. Yep.","start_word":4675,"end_word":4789,"sentiment":"neutral","sentiment_score":0.026623405516147617},{"text":"Beautiful.","start_word":4790,"end_word":4790,"sentiment":"positive","sentiment_score":0.40011876821517944},{"text":"Yep.","start_word":4791,"end_word":4791,"sentiment":"neutral","sentiment_score":0.2589361369609833},{"text":"Beautiful. Lovely. Excellent.","start_word":4792,"end_word":4794,"sentiment":"positive","sentiment_score":0.5896257162094116},{"text":"Is there anything else wise that you would like me to sort of factor into this for you at all? Is there anything I may have missed that you might want me to consider for you as well? Or No. I think that's it. Just, you know, That's trying to okay. work next steps out. Yep. Yeah. Absolutely. The only other thing so the way this will sort of work because you're our current client, Yanni, is not quite yet. What I'll do is I'll make this advice to yourself. It'll be for you, but it will, because this property is partly in his name, also have an effect on him. So I'll make sure I note that within the advice document for him, but it will essentially be directed to yourself. Is that okay? Oh, yeah.","start_word":4795,"end_word":4931,"sentiment":"neutral","sentiment_score":0.07951554112190748},{"text":"That's perfect. Yeah. That's Yep. good. Beautiful. And the effect there.","start_word":4932,"end_word":4942,"sentiment":"positive","sentiment_score":0.4863716661930084},{"text":"If Yanni has any questions at any point, you're welcome to let me know.","start_word":4943,"end_word":4956,"sentiment":"neutral","sentiment_score":0.2525951564311981},{"text":"It's not a problem at all.","start_word":4957,"end_word":4962,"sentiment":"positive","sentiment_score":0.4097982347011566},{"text":"The only other thing I was sort of looking at this morning that might be a really good option, I was gonna email you, but I thought, look. I'm gonna talk to you anyway. Have you done your tax return for last financial year at all? Yeah. I have.","start_word":4963,"end_word":5011,"sentiment":"neutral","sentiment_score":0.055596236139535904},{"text":"Beautiful.","start_word":5012,"end_word":5012,"sentiment":"positive","sentiment_score":0.3647713363170624},{"text":"Are you able to send me a copy of the assessment notice, for yourself and for Yani just so I can break down, what they have in there, under the deduction side of things for you as well. Of course. Yeah. Yeah. I'll send it back Beautiful.","start_word":5013,"end_word":5059,"sentiment":"neutral","sentiment_score":0.12722773849964142},{"text":"Excellent. Thank you so much for that. I really look forward to to putting you. this together. I really enjoy this kind of advice, so it's gonna be a lot of fun to put together.","start_word":5060,"end_word":5094,"sentiment":"positive","sentiment_score":0.7010411024093628},{"text":"I do estimate, research wise, it should take me about sort of five to six weeks to put together. So Yes. what I would like to do now is just rebook you in to go to the presentation in that time frame. If I find I have any additional questions or need any additional information for the research as I'm going through it, I'll come back and email you or give you a call just to kind of, you know, add anything extra in. And then if I find I get to that point I'm still not quite ready, I'll let you know, and we'll reschedule at that. But I estimate five to six weeks should be absolutely fine for that. Is that okay with you? Yeah. No worries. Yep. Did you want Beautiful. me to do or did you want me to just call up? How how did No. you want I'm I'm gonna book it in now for you so you've got okay. a a date there ready to go. So we're sitting at the end of September now. So one, two, three, four, five, six. That brings us up to the the week of the November 9. What day or time generally suits you best? So either Mondays Wednesdays are best for me.","start_word":5095,"end_word":5310,"sentiment":"neutral","sentiment_score":0.09391779428416933},{"text":"Beautiful.","start_word":5311,"end_word":5311,"sentiment":"positive","sentiment_score":0.3766597807407379},{"text":"What if we do is afternoon suitable or morning? What's better? Either or. Afternoon's fine. Yeah. What time afternoon wise? I've got three, four, five, or six available. You it's all up to your Oh, good. pick. Yeah. 04:30 probably better than I 04:30? yeah. Finish Yep. work. Yeah.","start_word":5312,"end_word":5360,"sentiment":"neutral","sentiment_score":0.07542499899864197},{"text":"Beautiful. Excellent.","start_word":5361,"end_word":5362,"sentiment":"positive","sentiment_score":0.6188332438468933},{"text":"So I'll pop that in there at 04:30 on Monday, November 9. I'll get stuck into the research here for you as well. If you think of anything that I may have missed or you needed, please let me know.","start_word":5363,"end_word":5402,"sentiment":"neutral","sentiment_score":0.2936198115348816},{"text":"Happy to make time to come back and chat or via email, whatever your preference is. I think Yes. I've got everything I need here. I'll go back and start the research component. And if I can just get a copy of each of your tax tax return summary, that would be fantastic. Just noting all the deductions that your accountant sort of claims there for you. And, Yes. yeah, I look forward to putting this together.","start_word":5403,"end_word":5479,"sentiment":"positive","sentiment_score":0.5704846382141113},{"text":"As I kinda mentioned, because this has been in progress for a long time, there's no additional cost to this advice. It's all essentially complimentary or free to yourself. Moving forward, our our fee structure has kinda changed a bit. So moving forward, they do charge about 2,200 for this kind of advice outside of Super, but I'm doing it all a 100% complimentary for you this time around. And then down the track, we can always talk about how that looks down the track for you. Is that okay? Yeah.","start_word":5480,"end_word":5570,"sentiment":"neutral","sentiment_score":0.23090222477912903},{"text":"That's great. Thank you so much. Beautiful.","start_word":5571,"end_word":5577,"sentiment":"positive","sentiment_score":0.5780304670333862},{"text":"No. That's okay. I made sure to honor everything. I was like, no. No. Yes. We've been talking about this for months. It's something you've been after, and we never used to charge for advice outside of super. Things have kinda just changed with the way the fee structure works, and we've had to sort of start charging for advice outside because there is a lot more of it required. A lot you know, people need a little bit more assistance in the cost of advice, and the cost of everything has definitely gone up. The cost of living and running a business has definitely gone up. So that's why that has essentially changed there. But moving forward, if you ever you know, what I try to do personally is whether it's complimentary, if I can do it complimentary, I will always try to do it for you. If this is general advice, that is also free, and it's it's down the track when we get, you know, past this advice piece. If you want something else down the track, we can always look at that. And I can always go into that and speak to our head of advice and sort of come up with some sort of, you know, maybe a reduction in fee or cost or something for you as well. So I'll always try to help you out as much as possible. For me, it's not about the fee. For me, it's about helping you and doing the advice. But I just like to make sure that you're essentially aware of everything and across the information to make sure I'm upfront and honest there with you as well. Okay.","start_word":5578,"end_word":5860,"sentiment":"neutral","sentiment_score":0.07766914203789335},{"text":"Yes. I'm good. Thanks so much. Easy. That's okay.","start_word":5861,"end_word":5869,"sentiment":"positive","sentiment_score":0.6002209186553955},{"text":"Do you have any questions for me or anything else that you think I might need to maybe look at for you? Or is there anything you need me to do as well or other than this, separate to this?","start_word":5870,"end_word":5909,"sentiment":"neutral","sentiment_score":0.12423841655254364},{"text":"And that's so good.","start_word":5910,"end_word":5913,"sentiment":"positive","sentiment_score":0.6446897387504578},{"text":"I think I'll I'll just update you with the latest return Mhmm. information, and then I'll let you know if there's any interest rate changes. Yeah.","start_word":5914,"end_word":5939,"sentiment":"neutral","sentiment_score":0.1768876165151596},{"text":"Otherwise, Beautiful.","start_word":5940,"end_word":5941,"sentiment":"positive","sentiment_score":0.4046759605407715},{"text":"we'll just assure that they're just the point 25% is being added. Is that right? Yeah. Absolutely. Yeah. Yep. I'll take into account the full rate rise just so we are sort of factoring in known changes because I think it'll be pretty interesting if any of the banks don't don't pass on the full rate rise to clients. I know I would if I was a bank, so most of us probably would. Alright. Yeah. No.","start_word":5942,"end_word":6018,"sentiment":"neutral","sentiment_score":0.03546247969974171},{"text":"Excellent. Thank you so much for your time this morning, Sarah. I really appreciate it. I'm looking forward to putting this together for you. And, again, if there's anything you need, please let me know. I'm more than happy to help. Right. Thanks so much. Thanks, Dana. Thanks. Enjoy your week. Enjoy your weekend. Yeah. You too. Thanks. Bye. Thank you. See you later.","start_word":6019,"end_word":6082,"sentiment":"positive","sentiment_score":0.6997994780540466}],"average":{"sentiment":"neutral","sentiment_score":0.10795345884651542}}}}