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My one my my younger sister had a had a baby at 31, and yeah. And so I just was kinda running around after family and and just sort of helping that out and just took some time off to to try and try and get everything sorted and organized and about. So yeah. Been a been a rough week, but, anyway. Now before I jump into radio, obviously, I need to know that our calls are recorded. And if I could just get you guys address. Now not that we have, but do you wanna put a password on file with us so that way you don't have to go through three points security or you have to do three points of ID or yep. Yep. Yep. Perfect. That that's absolutely okay. Perfect. Alright. So, I guess, the point of point of about today's conversation is to kind of go through, have a bit of a conversation about where things fit for you now and also to touch base. Because late last year, we were looking at IP. I did have a bunch of research, and then we we changed CRMs and, like, we changed our client database. And, unfortunately, you and I never got back in contact with each other. So I wanted to basically, I guess, go and start a little bit from scratch, I guess, because everything's sort of a little bit out date, but, obviously, catch up with you and see how everything's going in your world. Yeah. Oh, I'm sorry, darling. Yeah. Yep. Yeah. Yeah. Yeah. Absolutely. Okay. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Okay. I'm lazy. Yeah. Yeah. We're trying to refinance and pull that in. Yeah. Yeah. Okay. Alright. Yeah. Yep. Yep. Yes. Yeah. It is. Yeah. No. That's okay. No worries. That's okay, my darling. I can definitely explain that all. So let's start with I'll I'll take my know where everything's at and make sure that I have all the records straight. So occupation wise, we're still with the same employer, and our wages are gonna be that 101,000 when we go back to work. We're just on unpaid leave at the moment. Okay. And yeah. And we'll be going back in the next two months once everything's covered there. Okay. Have you been if it's applied for Centrelink, like carers allowance, carers pension? Yep. Yes. Yep. Yeah. Yep. Yeah. Yeah. Okay. Okay. Alright. Okay. So mhmm. No. No. No. Goodbye. Yep. Yeah. Yeah. Okay. So let's let's go through the couple of things. So let's talk about income right now. There are carers' payment and carers' allowance. Two or more carers can claim the carer's payment for the same person. Carer's allowance, that's carer's payment. Correct. Carer's payment, there is there is a means test that applies to the carer and their partner and another applying to the person receiving care. So it means that for mom, depending on what she has in assets, it could affect her. Do you know what assets mom has? Do you you know how much is there in that? Okay. K. And so I found that there's four of you? Four siblings? Oh, six. Okay. Sorry. I was counting the number of siblings that you were talking about as you were talking about them. I missed a couple. Okay. So that's it. Okay. Perfect. Three and three. No. That's okay. I I'm one of four, I guess. I love a good big family. Now with the carer's payment sorry. With the carer's allowance, it's not means tested. So the carer's allowance is about a $140.40 dollars a fortnight. It's not a lot, but at least it's it's something. Like, that's that's the point. Is it something? There is a possibility that that could be divided between people that are caring for. So if there's, like, two carers that are caring for, that can be divided between. So by the time that there are two two people caring for mom? Okay. And and theoretically, like, theoretically speaking, she got that payment. It should be split between the two of you now because you've been up there caring for mom. So the application should be changed to make sure that it's split between the two of you because otherwise it's an unfair outcome. You're all you've also moved away from your home to care for mom. So it's conversation, obviously, that has to happen between you guys to talk about so that way you don't lose house because the the lender is correct that, theoretically speaking, if you can't make the payments, you could lose the house. And it's not a matter of selling the house. It's a matter of the bank repossessing the house and then selling it out from underneath you to pay for the mortgage. Now granted, unlikely that they're gonna do it, and if you're open with them and say, hey. There's this estate over here. I'm a beneficiary. Here's the will. I'm about to get money. I'm gonna be able to catch up. We're all good. They may be more willing to work with you. But I guess do you I I hate I hate talking about this, I guess, because it is mom's still alive. But, realistically speaking, she's palliative. It's not if, but when. Do you know what the estate do you know roughly how the estate's worth, like, how much the house is worth and what the assets roughly overall would be worth? Email total? Okay. Yep. So if that's gonna be divided by 23, we're looking at 300 300,000. Now but yeah. Divided by six. Sorry. Yes. So two divided by six, we're looking about 300,000 each. Now there's a couple of things that, I guess, extra information wise, it could be taken into consideration. One of those things is that the money is in super for for the estate. So the money that's sitting inside the super funds under your mom's and dad's name, that money, if it's paid to you guys, is actually gonna be taxed quite a bit. If I go through in like, if mom I'm assuming mom's over over 65. Didn't want to assume. Maybe she adopted you. So you guys could you you could pull the money out and put it in mom's bank account. So that way, there's no tax that's gonna be paid. And that's a conversation that whoever has financial power of attorney needs to fully look at. And I'd be happy to have a conversation with whoever it is that has financial power of attorney just to talk about, like, I guess, the taxes and just kind of give a bit of information to them to sort of, I guess, to start thinking about things. Because realistically speaking, if there's a million dollars, and there's, like, a million dollars sitting in a super fund, it's it's 17% tax on money that's paid to a non financial dependent, which you guys are all older old enough. You know, you're over 18. You will make your own you have your own houses. You're you're not you're not financially dependent. You're adults. And 15% of a million million dollars is in a small slice of the pie. Looking at a 150,000 that the the estate has to pay in tax. It's a $150,000 that you guys aren't splitting. So it's, like, $25,000 each that you guys have to pay in So it's just it's so we're just prethinking some of those things while mom's alive, seeing the finances in order now because the Superfund is the one that's gonna hit you guys when it comes to, you know, like, paying, like, paying taxes just because of the the taxes that it is. Where mom right now won't pay any tax because she's old enough to not have to pay tax, and she's it's her money. But when it gets paid to you guys, because it's not your money, it's seen as a benefit. It there's it's just different tax. So if we take that money out now, which is live, put in a bank account, and then the estate deals with transferring the money around, it's it's way better from a tax perspective. There's a few more things to consider on that on that side of things, but it's something to consider. Now I can send you an email that kinda just gives you a few outline things considering talk to the fine like, the financial power of attorney just to sort of look at doing a claim and just pull the money out into mom's bank account. Just keep it there in cash, and then the estate the will can take care of it and split it everywhere. Now carers allowance is something that you would need to talk to your sister about, seeing if you guys can split it and helping you out there. With with the bank, how much do you owe? Because your house your house is worth sort of maybe 700,000. Is that still correct? My word. I love. Perfect. Yeah. Yeah. I'm just looking now. Sort of, yeah, sitting around that $9,509.09 106,000. Okay. And do you know how much you roughly owe on it? $4.50? Perfect. So we've got some decent equity in it. Everything's sitting pretty well there. And we've still got the two cards? Yep. And the credit card? Yep. And anything owing on the quick card? Like Wallet Wizard or Zip Pay. Yep. Yep. Yep. Okay. So Zip credit card, how? Afterpay as well or no Afterpay? As well. Okay. Okay. So we've got basically 500 across the credit card, the Afterpay, the Zippay, plus the house on top of that. Okay. Alright. That's okay. Perfect. Alright. Perfect. Okay. So, obviously I I completely understand. But when mom passes, the money comes in. It allows you to close those things out, and we are able to look at doing a few things with paying down a mortgage and and how to best best get that positioned. Now, like, obviously, selling the house is gonna take time, so that's not gonna happen immediately. It'll No one's no one's gonna contest the bill. Now want oh, like, if Yeah. So if I'm sure I'm on how to win. Yes. Oh, and what? Sorry. Okay. So so what can happen is what can happen is once one passes with the estate settling and the will taking power of of deducting assets, if someone is unsatisfied with the will as a document and the outcome it's that fits, like, the decisions that are being made, they could contest the will. So basically argue against it, which could result in it taking longer for the estate to settle. So if all six of you were on the same page and it's just gonna go through nice and easily, then that's not really too much of an issue. But if it's going to take like, if someone can test the will, it might take longer. It takes longer. Okay. Really? Yep. Okay. So yeah. So if if all six of you are not on the same page and some can ask the will, that's where things might get a little bit strange, might take a little bit longer, so to speak. Now regarding, I guess, the insurance side of things, we can definitely go ahead with the insurance. We can still go ahead with the ins like, the IP insurance even though you're on leave at the moment because you still have a contract. You have a contract to go back to. You're just on unpaid leave for a short period of time, so that's that's fine. But the issue we have is that we were talking about paying for it out of your personal pocket, which we don't currently have the need to be able to pay for. So there's a couple of options we have. We could look at paying for it from your super fund, but that's gonna put a lien on your super fund. Or we kind of hold and possibly hold for maybe six months, wait to see what happens with mom and the estate, and then we can kind of have a bit more of a conversation about where do we go with the money from the estate, how do we best target, like, growth for you. Because, obviously, paying down the debts is a massive thing, and it's it's where people go to first. People go, cool. I have the debt. I have this money. I'm gonna pay the debt off. It's not always the best avenue that we can take. There's other avenues that are available to us that are gonna end up being more financially beneficial. There's a degree that paying down the, you know, 9.5 to $10 in credit loans isn't a isn't a good idea, but capital the money on the mortgage you know, it is. It is a good idea. But the mortgage paying that off in one lump sum might not actually be the best avenue. There might be other avenues that we can look at depending on what we wanna achieve and then, obviously, depending on how much money you get as well. Again, I know it sounds insensitive. So I think the insurance and and figuring out what we're gonna do with the money needs to go on hold until we know how much money we're gonna have. And what I'll do is I will have it in my calendar that I'm gonna contact you every three months and touch base with you on those so we can talk about and just touch base. Just a funny voice to find out how you're going and check-in on you. Because I know that losing our mom no matter how old we are, it hurts. And I'm sorry, darling. Yeah. Now I guess with with respect to everything else, I do wanna do some changes to your super funds. Probably the biggest thing I wanna do first and foremost because there's just a couple of assets that I really wanna change around. But otherwise, is there is there anything specific that you want to look into as well aside from the insurance side of things? Because we we have to put that on hold. Like, I just I can't, in good faith, go and undertake that. Your super fund can't support it, and you can't cash flow support it. Is there anything else that you wanna look into? Bitcoin. I sent you an email back a few months ago about, yep, about back when we spoke with you in last year about available funds in I can send it to you again. I can forward it to you. No. Of course. Of course. Yeah. Because inside your hub twenty four fund, there is no there's no Bitcoin that you can actually buy, but there are Bitcoin adjacent assets that basically, they they are the they are the companies that build the software that Bitcoin is mined on. So so they are the companies that build the software to mine Bitcoin. It's not Bitcoin specific. It's it's shares in companies that build software specific for, like, Bitcoin and stuff like that. So that's that's an avenue that that we can look at. I'll re I'll resend that that email to you so you can have a look at it. And if you wanna go ahead, I can look at incorporating that into the investment in your super funds. Okay. What I'll do is I wanna I'm gonna do do a bit of research and have a look at how we can change your investments around. Now that I sort of hold, I guess, a bit more of a scope as to where we're sitting at the moment position wise and where we can actually head and what we can do, I can go ahead and get that research happening and reach out to you in a week. And I can literally call you next Thursday to same time and go through and and explain the research and and just touch base with you then as well. Okay? Okay. Perfect. Well, I'll get cracking and start getting research happening. I'll forward this email to you, and we will talk in a week, a week today. Okay. Alright. Yeah. Same time if if same time works for you, if same time doesn't work for you, you let me know. Yeah? Alright. Perfect. Yep. Alright. Perfect. Well, I will I'll call you I'll call you then. That's okay, Louise. We'll speak then. 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Louise. Larissa from. How are you doing? Yeah. Not too bad.\n\nI'm so sorry that I missed you last week. I had a had a bit of an accident, unfortunately. Yeah. No. I'm okay.\n\nMy one my my younger sister had a had a baby at 31, and yeah. And so I just was kinda running around after family and and just sort of helping that out and just took some time off to to try and try and get everything sorted and organized and about. So yeah. Been a been a rough week, but, anyway. Now before I jump into radio, obviously, I need to know that our calls are recorded.\n\nAnd if I could just get you guys address. Now not that we have, but do you wanna put a password on file with us so that way you don't have to go through three points security or you have to do three points of ID or yep. Yep. Yep. Perfect.\n\nThat that's absolutely okay. Perfect. Alright. So, I guess, the point of point of about today's conversation is to kind of go through, have a bit of a conversation about where things fit for you now and also to touch base. Because late last year, we were looking at IP.\n\nI did have a bunch of research, and then we we changed CRMs and, like, we changed our client database. And, unfortunately, you and I never got back in contact with each other. So I wanted to basically, I guess, go and start a little bit from scratch, I guess, because everything's sort of a little bit out date, but, obviously, catch up with you and see how everything's going in your world. Yeah. Oh, I'm sorry, darling.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nAbsolutely. Okay. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yep. Okay.\n\nI'm lazy. Yeah. Yeah. We're trying to refinance and pull that in. Yeah.\n\nYeah. Okay. Alright. Yeah. Yep.\n\nYep. Yes. Yeah. It is. Yeah.\n\nNo. That's okay. No worries. That's okay, my darling. I can definitely explain that all.\n\nSo let's start with I'll I'll take my know where everything's at and make sure that I have all the records straight. So occupation wise, we're still with the same employer, and our wages are gonna be that 101,000 when we go back to work. We're just on unpaid leave at the moment. Okay. And yeah.\n\nAnd we'll be going back in the next two months once everything's covered there. Okay. Have you been if it's applied for Centrelink, like carers allowance, carers pension? Yep. Yes.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nOkay. Okay. Alright. Okay. So mhmm.\n\nNo. No. No. Goodbye. Yep.\n\nYeah. Yeah. Okay. So let's let's go through the couple of things. So let's talk about income right now.\n\nThere are carers' payment and carers' allowance. Two or more carers can claim the carer's payment for the same person. Carer's allowance, that's carer's payment. Correct. Carer's payment, there is there is a means test that applies to the carer and their partner and another applying to the person receiving care.\n\nSo it means that for mom, depending on what she has in assets, it could affect her. Do you know what assets mom has? Do you you know how much is there in that? Okay. K.\n\nAnd so I found that there's four of you? Four siblings? Oh, six. Okay. Sorry.\n\nI was counting the number of siblings that you were talking about as you were talking about them. I missed a couple. Okay. So that's it. Okay.\n\nPerfect. Three and three. No. That's okay. I I'm one of four, I guess.\n\nI love a good big family. Now with the carer's payment sorry. With the carer's allowance, it's not means tested. So the carer's allowance is about a $140.40 dollars a fortnight. It's not a lot, but at least it's it's something.\n\nLike, that's that's the point. Is it something? There is a possibility that that could be divided between people that are caring for. So if there's, like, two carers that are caring for, that can be divided between. So by the time that there are two two people caring for mom?\n\nOkay. And and theoretically, like, theoretically speaking, she got that payment. It should be split between the two of you now because you've been up there caring for mom. So the application should be changed to make sure that it's split between the two of you because otherwise it's an unfair outcome. You're all you've also moved away from your home to care for mom.\n\nSo it's conversation, obviously, that has to happen between you guys to talk about so that way you don't lose house because the the lender is correct that, theoretically speaking, if you can't make the payments, you could lose the house. And it's not a matter of selling the house. It's a matter of the bank repossessing the house and then selling it out from underneath you to pay for the mortgage. Now granted, unlikely that they're gonna do it, and if you're open with them and say, hey. There's this estate over here.\n\nI'm a beneficiary. Here's the will. I'm about to get money. I'm gonna be able to catch up. We're all good.\n\nThey may be more willing to work with you. But I guess do you I I hate I hate talking about this, I guess, because it is mom's still alive. But, realistically speaking, she's palliative. It's not if, but when. Do you know what the estate do you know roughly how the estate's worth, like, how much the house is worth and what the assets roughly overall would be worth?\n\nEmail total? Okay. Yep. So if that's gonna be divided by 23, we're looking at 300 300,000. Now but yeah.\n\nDivided by six. Sorry. Yes. So two divided by six, we're looking about 300,000 each. Now there's a couple of things that, I guess, extra information wise, it could be taken into consideration.\n\nOne of those things is that the money is in super for for the estate. So the money that's sitting inside the super funds under your mom's and dad's name, that money, if it's paid to you guys, is actually gonna be taxed quite a bit. If I go through in like, if mom I'm assuming mom's over over 65. Didn't want to assume. Maybe she adopted you.\n\nSo you guys could you you could pull the money out and put it in mom's bank account. So that way, there's no tax that's gonna be paid. And that's a conversation that whoever has financial power of attorney needs to fully look at. And I'd be happy to have a conversation with whoever it is that has financial power of attorney just to talk about, like, I guess, the taxes and just kind of give a bit of information to them to sort of, I guess, to start thinking about things. Because realistically speaking, if there's a million dollars, and there's, like, a million dollars sitting in a super fund, it's it's 17% tax on money that's paid to a non financial dependent, which you guys are all older old enough.\n\nYou know, you're over 18. You will make your own you have your own houses. You're you're not you're not financially dependent. You're adults. And 15% of a million million dollars is in a small slice of the pie.\n\nLooking at a 150,000 that the the estate has to pay in tax. It's a $150,000 that you guys aren't splitting. So it's, like, $25,000 each that you guys have to pay in So it's just it's so we're just prethinking some of those things while mom's alive, seeing the finances in order now because the Superfund is the one that's gonna hit you guys when it comes to, you know, like, paying, like, paying taxes just because of the the taxes that it is. Where mom right now won't pay any tax because she's old enough to not have to pay tax, and she's it's her money. But when it gets paid to you guys, because it's not your money, it's seen as a benefit.\n\nIt there's it's just different tax. So if we take that money out now, which is live, put in a bank account, and then the estate deals with transferring the money around, it's it's way better from a tax perspective. There's a few more things to consider on that on that side of things, but it's something to consider. Now I can send you an email that kinda just gives you a few outline things considering talk to the fine like, the financial power of attorney just to sort of look at doing a claim and just pull the money out into mom's bank account. Just keep it there in cash, and then the estate the will can take care of it and split it everywhere.\n\nNow carers allowance is something that you would need to talk to your sister about, seeing if you guys can split it and helping you out there. With with the bank, how much do you owe? Because your house your house is worth sort of maybe 700,000. Is that still correct? My word.\n\nI love. Perfect. Yeah. Yeah. I'm just looking now.\n\nSort of, yeah, sitting around that $9,509.09 106,000. Okay. And do you know how much you roughly owe on it? $4.50? Perfect.\n\nSo we've got some decent equity in it. Everything's sitting pretty well there. And we've still got the two cards? Yep. And the credit card?\n\nYep. And anything owing on the quick card? Like Wallet Wizard or Zip Pay. Yep. Yep.\n\nYep. Okay. So Zip credit card, how? Afterpay as well or no Afterpay? As well.\n\nOkay. Okay. So we've got basically 500 across the credit card, the Afterpay, the Zippay, plus the house on top of that. Okay. Alright.\n\nThat's okay. Perfect. Alright. Perfect. Okay.\n\nSo, obviously I I completely understand. But when mom passes, the money comes in. It allows you to close those things out, and we are able to look at doing a few things with paying down a mortgage and and how to best best get that positioned. Now, like, obviously, selling the house is gonna take time, so that's not gonna happen immediately. It'll No one's no one's gonna contest the bill.\n\nNow want oh, like, if Yeah. So if I'm sure I'm on how to win. Yes. Oh, and what? Sorry.\n\nOkay. So so what can happen is what can happen is once one passes with the estate settling and the will taking power of of deducting assets, if someone is unsatisfied with the will as a document and the outcome it's that fits, like, the decisions that are being made, they could contest the will. So basically argue against it, which could result in it taking longer for the estate to settle. So if all six of you were on the same page and it's just gonna go through nice and easily, then that's not really too much of an issue. But if it's going to take like, if someone can test the will, it might take longer.\n\nIt takes longer. Okay. Really? Yep. Okay.\n\nSo yeah. So if if all six of you are not on the same page and some can ask the will, that's where things might get a little bit strange, might take a little bit longer, so to speak. Now regarding, I guess, the insurance side of things, we can definitely go ahead with the insurance. We can still go ahead with the ins like, the IP insurance even though you're on leave at the moment because you still have a contract. You have a contract to go back to.\n\nYou're just on unpaid leave for a short period of time, so that's that's fine. But the issue we have is that we were talking about paying for it out of your personal pocket, which we don't currently have the need to be able to pay for. So there's a couple of options we have. We could look at paying for it from your super fund, but that's gonna put a lien on your super fund. Or we kind of hold and possibly hold for maybe six months, wait to see what happens with mom and the estate, and then we can kind of have a bit more of a conversation about where do we go with the money from the estate, how do we best target, like, growth for you.\n\nBecause, obviously, paying down the debts is a massive thing, and it's it's where people go to first. People go, cool. I have the debt. I have this money. I'm gonna pay the debt off.\n\nIt's not always the best avenue that we can take. There's other avenues that are available to us that are gonna end up being more financially beneficial. There's a degree that paying down the, you know, 9.5 to $10 in credit loans isn't a isn't a good idea, but capital the money on the mortgage you know, it is. It is a good idea. But the mortgage paying that off in one lump sum might not actually be the best avenue.\n\nThere might be other avenues that we can look at depending on what we wanna achieve and then, obviously, depending on how much money you get as well. Again, I know it sounds insensitive. So I think the insurance and and figuring out what we're gonna do with the money needs to go on hold until we know how much money we're gonna have. And what I'll do is I will have it in my calendar that I'm gonna contact you every three months and touch base with you on those so we can talk about and just touch base. Just a funny voice to find out how you're going and check-in on you.\n\nBecause I know that losing our mom no matter how old we are, it hurts. And I'm sorry, darling. Yeah. Now I guess with with respect to everything else, I do wanna do some changes to your super funds. Probably the biggest thing I wanna do first and foremost because there's just a couple of assets that I really wanna change around.\n\nBut otherwise, is there is there anything specific that you want to look into as well aside from the insurance side of things? Because we we have to put that on hold. Like, I just I can't, in good faith, go and undertake that. Your super fund can't support it, and you can't cash flow support it. Is there anything else that you wanna look into?\n\nBitcoin. I sent you an email back a few months ago about, yep, about back when we spoke with you in last year about available funds in I can send it to you again. I can forward it to you. No. Of course.\n\nOf course. Yeah. Because inside your hub twenty four fund, there is no there's no Bitcoin that you can actually buy, but there are Bitcoin adjacent assets that basically, they they are the they are the companies that build the software that Bitcoin is mined on. So so they are the companies that build the software to mine Bitcoin. It's not Bitcoin specific.\n\nIt's it's shares in companies that build software specific for, like, Bitcoin and stuff like that. So that's that's an avenue that that we can look at. I'll re I'll resend that that email to you so you can have a look at it. And if you wanna go ahead, I can look at incorporating that into the investment in your super funds. Okay.\n\nWhat I'll do is I wanna I'm gonna do do a bit of research and have a look at how we can change your investments around. Now that I sort of hold, I guess, a bit more of a scope as to where we're sitting at the moment position wise and where we can actually head and what we can do, I can go ahead and get that research happening and reach out to you in a week. And I can literally call you next Thursday to same time and go through and and explain the research and and just touch base with you then as well. Okay? Okay.\n\nPerfect. Well, I'll get cracking and start getting research happening. I'll forward this email to you, and we will talk in a week, a week today. Okay. Alright.\n\nYeah. Same time if if same time works for you, if same time doesn't work for you, you let me know. Yeah? Alright. Perfect.\n\nYep. Alright. Perfect. Well, I will I'll call you I'll call you then. That's okay, Louise.\n\nWe'll speak then. Bye, Tully.","paragraphs":[{"sentences":[{"text":"Hi, Louise.","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.16795605421066284},{"text":"Larissa from.","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.19008733332157135},{"text":"How are you doing?","start":5.8399997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2637786716222763},{"text":"Yeah.","start":10.24,"end":10.719999,"sentiment":"neutral","sentiment_score":0.12239418923854828},{"text":"Not too bad.","start":10.719999,"end":11.44,"sentiment":"neutral","sentiment_score":0.0970386415719986}],"sentiment":"neutral","sentiment_score":0.1820592979590098,"num_words":12,"start":3.36,"end":11.44},{"sentences":[{"text":"I'm so sorry that I missed you last week.","start":11.44,"end":13.7,"sentiment":"neutral","sentiment_score":0.04136816550615347},{"text":"I had a had a bit of an accident, unfortunately.","start":14.575001,"end":17.155,"sentiment":"neutral","sentiment_score":-0.265084932744503},{"text":"Yeah.","start":20.175,"end":20.575,"sentiment":"neutral","sentiment_score":-0.009915625676512718},{"text":"No.","start":20.575,"end":20.815,"sentiment":"neutral","sentiment_score":-0.05488033220171928},{"text":"I'm okay.","start":20.815,"end":21.535,"sentiment":"neutral","sentiment_score":0.04877089522778988}],"sentiment":"neutral","sentiment_score":-0.09764304370923049,"num_words":23,"start":11.44,"end":21.535},{"sentences":[{"text":"My one my my younger sister had a had a baby at 31, and yeah.","start":21.535,"end":28.515,"sentiment":"neutral","sentiment_score":0.12601075768470765},{"text":"And so I just was kinda running around after family and and just sort of helping that out and just took some time off to to try and try and get everything sorted and organized and about.","start":28.575,"end":40.07,"sentiment":"neutral","sentiment_score":0.13103745313915047},{"text":"So yeah.","start":40.07,"end":42.01,"sentiment":"neutral","sentiment_score":0.12417898699641228},{"text":"Been a been a rough week, but, anyway.","start":42.39,"end":48.315,"sentiment":"neutral","sentiment_score":-0.08532479661516845},{"text":"Now before I jump into radio, obviously, I need to know that our calls are recorded.","start":48.695,"end":51.815,"sentiment":"neutral","sentiment_score":-0.01422947773244232}],"sentiment":"neutral","sentiment_score":0.07790557806117412,"num_words":78,"start":21.535,"end":51.815},{"sentences":[{"text":"And if I could just get you guys address.","start":51.815,"end":54.315002,"sentiment":"neutral","sentiment_score":0.011685979656047292},{"text":"Now not that we have, but do you wanna put a password on file with us so that way you don't have to go through three points security or you have to do three points of ID or yep.","start":66.02,"end":80.735,"sentiment":"neutral","sentiment_score":0.0561600546233165},{"text":"Yep.","start":82.475,"end":82.875,"sentiment":"neutral","sentiment_score":0.07657024264335632},{"text":"Yep.","start":82.875,"end":83.375,"sentiment":"neutral","sentiment_score":0.08160339295864105},{"text":"Perfect.","start":84.395,"end":84.895,"sentiment":"positive","sentiment_score":0.42277777194976807}],"sentiment":"neutral","sentiment_score":0.05639935989736342,"num_words":51,"start":51.815,"end":84.895},{"sentences":[{"text":"That that's absolutely okay.","start":84.955,"end":86.59,"sentiment":"positive","sentiment_score":0.4168272167444229},{"text":"Perfect.","start":87.049995,"end":87.549995,"sentiment":"positive","sentiment_score":0.4503301978111267},{"text":"Alright.","start":87.60999,"end":87.92999,"sentiment":"neutral","sentiment_score":0.1805114448070526},{"text":"So, I guess, the point of point of about today's conversation is to kind of go through, have a bit of a conversation about where things fit for you now and also to touch base.","start":87.92999,"end":97.049995,"sentiment":"neutral","sentiment_score":0.11708511199269976},{"text":"Because late last year, we were looking at IP.","start":97.049995,"end":99.869995,"sentiment":"neutral","sentiment_score":-0.015346448868513107}],"sentiment":"neutral","sentiment_score":0.1251602277904749,"num_words":50,"start":84.955,"end":99.869995},{"sentences":[{"text":"I did have a bunch of research, and then we we changed CRMs and, like, we changed our client database.","start":100.335,"end":106.995,"sentiment":"neutral","sentiment_score":-0.015199639275670052},{"text":"And, unfortunately, you and I never got back in contact with each other.","start":108.975,"end":111.955,"sentiment":"neutral","sentiment_score":-0.21478498669771048},{"text":"So I wanted to basically, I guess, go and start a little bit from scratch, I guess, because everything's sort of a little bit out date, but, obviously, catch up with you and see how everything's going in your world.","start":113.15,"end":125.81,"sentiment":"neutral","sentiment_score":-0.03137551564723253},{"text":"Yeah.","start":134.66501,"end":135.16501,"sentiment":"neutral","sentiment_score":-0.07506301999092102},{"text":"Oh, I'm sorry, darling.","start":142.65,"end":144.03,"sentiment":"neutral","sentiment_score":0.042691240552812815}],"sentiment":"neutral","sentiment_score":-0.0545579012340078,"num_words":78,"start":100.335,"end":144.03},{"sentences":[{"text":"Yeah.","start":147.84999,"end":148.34999,"sentiment":"neutral","sentiment_score":0.01212528720498085},{"text":"Yep.","start":158.22499,"end":158.72499,"sentiment":"neutral","sentiment_score":0.07450497150421143},{"text":"Yeah.","start":161.58499,"end":162.08499,"sentiment":"neutral","sentiment_score":0.06532447040081024},{"text":"Yeah.","start":165.34499,"end":165.84499,"sentiment":"neutral","sentiment_score":0.042781904339790344},{"text":"Yeah.","start":170.86,"end":171.36,"sentiment":"neutral","sentiment_score":0.022113312035799023}],"sentiment":"neutral","sentiment_score":0.04336998909711838,"num_words":5,"start":147.84999,"end":171.36},{"sentences":[{"text":"Absolutely.","start":172.3,"end":172.8,"sentiment":"neutral","sentiment_score":0.0501629114151001},{"text":"Okay.","start":181.34,"end":181.84,"sentiment":"neutral","sentiment_score":-0.2620563507080078},{"text":"Yeah.","start":184.665,"end":185.165,"sentiment":"neutral","sentiment_score":-0.1185869425535202},{"text":"Yeah.","start":186.025,"end":186.525,"sentiment":"neutral","sentiment_score":-0.0997357964515686},{"text":"Yep.","start":198.69,"end":199.19,"sentiment":"neutral","sentiment_score":-0.08806341141462326}],"sentiment":"neutral","sentiment_score":-0.10365591794252396,"num_words":5,"start":172.3,"end":199.19},{"sentences":[{"text":"Yeah.","start":212.185,"end":212.685,"sentiment":"neutral","sentiment_score":-0.01874563843011856},{"text":"Yeah.","start":234.28,"end":234.78,"sentiment":"neutral","sentiment_score":-0.0613568052649498},{"text":"Yeah.","start":246.38501,"end":246.88501,"sentiment":"neutral","sentiment_score":0.13989940285682678},{"text":"Yep.","start":261.29,"end":261.79,"sentiment":"neutral","sentiment_score":-0.004739798605442047},{"text":"Okay.","start":274.065,"end":274.565,"sentiment":"neutral","sentiment_score":-0.04350703209638595}],"sentiment":"neutral","sentiment_score":0.0023100256919860855,"num_words":5,"start":212.185,"end":274.565},{"sentences":[{"text":"I'm lazy.","start":281.59,"end":282.17,"sentiment":"negative","sentiment_score":-0.5564365386962891},{"text":"Yeah.","start":295.065,"end":295.225,"sentiment":"neutral","sentiment_score":-0.07306906580924988},{"text":"Yeah.","start":295.225,"end":295.625,"sentiment":"neutral","sentiment_score":-0.05129135772585869},{"text":"We're trying to refinance and pull that in.","start":295.625,"end":297.64502,"sentiment":"neutral","sentiment_score":-0.04689474171027541},{"text":"Yeah.","start":303.86502,"end":304.36502,"sentiment":"neutral","sentiment_score":0.0701819434762001}],"sentiment":"neutral","sentiment_score":-0.11863149931797615,"num_words":13,"start":281.59,"end":304.36502},{"sentences":[{"text":"Yeah.","start":331.955,"end":332.455,"sentiment":"neutral","sentiment_score":0.05929107218980789},{"text":"Okay.","start":334.59497,"end":335.09497,"sentiment":"neutral","sentiment_score":-0.0023187268525362015},{"text":"Alright.","start":335.31497,"end":335.81497,"sentiment":"neutral","sentiment_score":-0.016603510826826096},{"text":"Yeah.","start":343.21,"end":343.71,"sentiment":"neutral","sentiment_score":-0.1068468540906906},{"text":"Yep.","start":366.86002,"end":367.36002,"sentiment":"neutral","sentiment_score":-0.07538928836584091}],"sentiment":"neutral","sentiment_score":-0.028373461589217185,"num_words":5,"start":331.955,"end":367.36002},{"sentences":[{"text":"Yep.","start":377.395,"end":377.895,"sentiment":"neutral","sentiment_score":-0.05508233606815338},{"text":"Yes.","start":394.08002,"end":394.56,"sentiment":"neutral","sentiment_score":0.06421573460102081},{"text":"Yeah.","start":394.56,"end":394.72,"sentiment":"neutral","sentiment_score":0.0817878395318985},{"text":"It is.","start":394.72,"end":395.46,"sentiment":"neutral","sentiment_score":0.06091787852346897},{"text":"Yeah.","start":396.0,"end":396.5,"sentiment":"neutral","sentiment_score":0.012125507928431034}],"sentiment":"neutral","sentiment_score":0.03748041717335582,"num_words":6,"start":377.395,"end":396.5},{"sentences":[{"text":"No.","start":404.995,"end":405.235,"sentiment":"neutral","sentiment_score":-0.15397854149341583},{"text":"That's okay.","start":405.235,"end":405.975,"sentiment":"neutral","sentiment_score":-0.05701753310859203},{"text":"No worries.","start":407.07498,"end":407.475,"sentiment":"neutral","sentiment_score":0.2192947193980217},{"text":"That's okay, my darling.","start":407.475,"end":408.755,"sentiment":"positive","sentiment_score":0.6156840920448303},{"text":"I can definitely explain that all.","start":408.755,"end":410.615,"sentiment":"positive","sentiment_score":0.5916649202505747}],"sentiment":"positive","sentiment_score":0.4122201147178809,"num_words":15,"start":404.995,"end":410.615},{"sentences":[{"text":"So let's start with I'll I'll take my know where everything's at and make sure that I have all the records straight.","start":411.315,"end":419.57498,"sentiment":"neutral","sentiment_score":0.12860573150894858},{"text":"So occupation wise, we're still with the same employer, and our wages are gonna be that 101,000 when we go back to work.","start":421.80002,"end":432.28,"sentiment":"neutral","sentiment_score":0.006971346254905929},{"text":"We're just on unpaid leave at the moment.","start":432.28,"end":435.1,"sentiment":"neutral","sentiment_score":-0.0807931690942496},{"text":"Okay.","start":435.875,"end":436.375,"sentiment":"neutral","sentiment_score":-0.12025070935487749},{"text":"And yeah.","start":436.675,"end":437.875,"sentiment":"neutral","sentiment_score":-0.025377649813890457}],"sentiment":"neutral","sentiment_score":0.03879135170219732,"num_words":56,"start":411.315,"end":437.875},{"sentences":[{"text":"And we'll be going back in the next two months once everything's covered there.","start":437.875,"end":443.555,"sentiment":"neutral","sentiment_score":0.036203066020139625},{"text":"Okay.","start":443.555,"end":444.055,"sentiment":"neutral","sentiment_score":0.055791132152080536},{"text":"Have you been if it's applied for Centrelink, like carers allowance, carers pension?","start":444.435,"end":451.67,"sentiment":"neutral","sentiment_score":-0.007609900875160327},{"text":"Yep.","start":482.12997,"end":482.62997,"sentiment":"neutral","sentiment_score":-0.1978710889816284},{"text":"Yes.","start":507.4,"end":507.9,"sentiment":"neutral","sentiment_score":-0.00832488015294075}],"sentiment":"neutral","sentiment_score":0.008583645864079396,"num_words":30,"start":437.875,"end":507.9},{"sentences":[{"text":"Yep.","start":535.8,"end":536.3,"sentiment":"neutral","sentiment_score":-0.15342646837234497},{"text":"Yeah.","start":548.52,"end":549.02,"sentiment":"neutral","sentiment_score":-0.1420585960149765},{"text":"Yep.","start":569.52,"end":570.02,"sentiment":"neutral","sentiment_score":-0.03304463252425194},{"text":"Yeah.","start":581.115,"end":581.615,"sentiment":"neutral","sentiment_score":-0.10241318494081496},{"text":"Yeah.","start":589.515,"end":589.595,"sentiment":"neutral","sentiment_score":0.05844784528017044}],"sentiment":"neutral","sentiment_score":-0.07449900731444359,"num_words":5,"start":535.8,"end":589.595},{"sentences":[{"text":"Okay.","start":589.595,"end":590.095,"sentiment":"neutral","sentiment_score":0.0817110687494278},{"text":"Okay.","start":592.875,"end":593.375,"sentiment":"neutral","sentiment_score":0.13862329721450806},{"text":"Alright.","start":596.55005,"end":597.05005,"sentiment":"neutral","sentiment_score":0.07851573824882507},{"text":"Okay.","start":597.11005,"end":597.51,"sentiment":"neutral","sentiment_score":0.039631858468055725},{"text":"So mhmm.","start":597.51,"end":598.57,"sentiment":"neutral","sentiment_score":0.007163592963479459}],"sentiment":"neutral","sentiment_score":0.0588015247679626,"num_words":6,"start":589.595,"end":598.57},{"sentences":[{"text":"No.","start":600.63,"end":600.87,"sentiment":"negative","sentiment_score":-0.38934293389320374},{"text":"No.","start":600.87,"end":600.95,"sentiment":"negative","sentiment_score":-0.33835458755493164},{"text":"No.","start":600.95,"end":601.19,"sentiment":"negative","sentiment_score":-0.4815334677696228},{"text":"Goodbye.","start":601.19,"end":601.69,"sentiment":"negative","sentiment_score":-0.48142656683921814},{"text":"Yep.","start":619.925,"end":620.425,"sentiment":"neutral","sentiment_score":-0.15218165516853333}],"sentiment":"negative","sentiment_score":-0.3685678422451019,"num_words":5,"start":600.63,"end":620.425},{"sentences":[{"text":"Yeah.","start":620.805,"end":621.18,"sentiment":"neutral","sentiment_score":-0.10036836564540864},{"text":"Yeah.","start":625.02,"end":625.52,"sentiment":"neutral","sentiment_score":0.05455884337425232},{"text":"Okay.","start":625.98,"end":626.46,"sentiment":"neutral","sentiment_score":0.06897473335266113},{"text":"So let's let's go through the couple of things.","start":626.46,"end":628.48,"sentiment":"neutral","sentiment_score":0.060806802991363734},{"text":"So let's talk about income right now.","start":628.94,"end":631.89996,"sentiment":"neutral","sentiment_score":0.02566035677279745}],"sentiment":"neutral","sentiment_score":0.03947625975859793,"num_words":19,"start":620.805,"end":631.89996},{"sentences":[{"text":"There are carers' payment and carers' allowance.","start":631.89996,"end":634.16,"sentiment":"neutral","sentiment_score":0.00708817590826324},{"text":"Two or more carers can claim the carer's payment for the same person.","start":634.635,"end":639.29504,"sentiment":"neutral","sentiment_score":0.022286447481467173},{"text":"Carer's allowance, that's carer's payment.","start":641.91504,"end":645.455,"sentiment":"neutral","sentiment_score":0.019563936442136765},{"text":"Correct.","start":645.515,"end":646.015,"sentiment":"neutral","sentiment_score":0.06232935190200806},{"text":"Carer's payment, there is there is a means test that applies to the carer and their partner and another applying to the person receiving care.","start":647.59503,"end":659.45996,"sentiment":"neutral","sentiment_score":0.004164237603545189}],"sentiment":"neutral","sentiment_score":0.011835216133690932,"num_words":51,"start":631.89996,"end":659.45996},{"sentences":[{"text":"So it means that for mom, depending on what she has in assets, it could affect her.","start":659.83997,"end":667.055,"sentiment":"neutral","sentiment_score":-0.07915353906505249},{"text":"Do you know what assets mom has?","start":667.055,"end":668.995,"sentiment":"neutral","sentiment_score":-0.020534552899854525},{"text":"Do you you know how much is there in that?","start":676.73505,"end":683.2,"sentiment":"neutral","sentiment_score":-0.018396907299757004},{"text":"Okay.","start":692.445,"end":692.945,"sentiment":"neutral","sentiment_score":0.007067123427987099},{"text":"K.","start":701.165,"end":701.665,"sentiment":"neutral","sentiment_score":-0.0543985590338707}],"sentiment":"neutral","sentiment_score":-0.04779590397245354,"num_words":36,"start":659.83997,"end":701.665},{"sentences":[{"text":"And so I found that there's four of you?","start":710.62,"end":712.8,"sentiment":"neutral","sentiment_score":0.009791619351340665},{"text":"Four siblings?","start":713.33997,"end":714.08,"sentiment":"neutral","sentiment_score":-0.02763536013662815},{"text":"Oh, six.","start":715.42,"end":716.16,"sentiment":"neutral","sentiment_score":-0.011184065835550427},{"text":"Okay.","start":716.985,"end":717.385,"sentiment":"neutral","sentiment_score":0.00043818727135658264},{"text":"Sorry.","start":717.385,"end":717.78503,"sentiment":"neutral","sentiment_score":-0.11228074133396149}],"sentiment":"neutral","sentiment_score":-0.006757122122993072,"num_words":15,"start":710.62,"end":717.78503},{"sentences":[{"text":"I was counting the number of siblings that you were talking about as you were talking about them.","start":717.78503,"end":720.745,"sentiment":"neutral","sentiment_score":-0.09652135852310392},{"text":"I missed a couple.","start":720.745,"end":721.725,"sentiment":"neutral","sentiment_score":-0.12661870941519737},{"text":"Okay.","start":723.305,"end":723.705,"sentiment":"neutral","sentiment_score":-0.03971298784017563},{"text":"So that's it.","start":723.705,"end":724.685,"sentiment":"neutral","sentiment_score":-0.008768333122134209},{"text":"Okay.","start":729.225,"end":729.725,"sentiment":"neutral","sentiment_score":0.04622612148523331}],"sentiment":"neutral","sentiment_score":-0.08383893173325944,"num_words":27,"start":717.78503,"end":729.725},{"sentences":[{"text":"Perfect.","start":732.81,"end":733.31,"sentiment":"positive","sentiment_score":0.4657639265060425},{"text":"Three and three.","start":733.41003,"end":735.11,"sentiment":"neutral","sentiment_score":0.09711794306834538},{"text":"No.","start":735.21,"end":735.45,"sentiment":"neutral","sentiment_score":0.0322742722928524},{"text":"That's okay.","start":735.45,"end":736.09,"sentiment":"neutral","sentiment_score":0.21070045232772827},{"text":"I I'm one of four, I guess.","start":736.09,"end":737.61,"sentiment":"positive","sentiment_score":0.4572007017476218}],"sentiment":"neutral","sentiment_score":0.31508556034948143,"num_words":14,"start":732.81,"end":737.61},{"sentences":[{"text":"I love a good big family.","start":737.61,"end":738.99,"sentiment":"positive","sentiment_score":0.7511545022328695},{"text":"Now with the carer's payment sorry.","start":741.93,"end":749.83496,"sentiment":"neutral","sentiment_score":-0.07241129223257303},{"text":"With the carer's allowance, it's not means tested.","start":749.83496,"end":753.21497,"sentiment":"neutral","sentiment_score":-0.14503035135567188},{"text":"So the carer's allowance is about a $140.40 dollars a fortnight.","start":754.555,"end":758.495,"sentiment":"neutral","sentiment_score":-0.10980608212676915},{"text":"It's not a lot, but at least it's it's something.","start":758.795,"end":763.05005,"sentiment":"neutral","sentiment_score":-0.13358795270323753}],"sentiment":"neutral","sentiment_score":0.008987073627550428,"num_words":41,"start":737.61,"end":763.05005},{"sentences":[{"text":"Like, that's that's the point.","start":763.19,"end":764.15,"sentiment":"neutral","sentiment_score":-0.050890348851680756},{"text":"Is it something?","start":764.15,"end":765.21,"sentiment":"neutral","sentiment_score":-0.03440055996179581},{"text":"There is a possibility that that could be divided between people that are caring for.","start":768.07,"end":775.355,"sentiment":"neutral","sentiment_score":-0.05349821895360947},{"text":"So if there's, like, two carers that are caring for, that can be divided between.","start":775.415,"end":779.035,"sentiment":"neutral","sentiment_score":-0.05211534375945727},{"text":"So by the time that there are two two people caring for mom?","start":779.65497,"end":782.635,"sentiment":"neutral","sentiment_score":-0.015189195338350076}],"sentiment":"neutral","sentiment_score":-0.041947380475261635,"num_words":51,"start":763.19,"end":782.635},{"sentences":[{"text":"Okay.","start":786.295,"end":786.795,"sentiment":"neutral","sentiment_score":0.0257782768458128},{"text":"And and theoretically, like, theoretically speaking, she got that payment.","start":787.735,"end":796.35,"sentiment":"neutral","sentiment_score":-0.02654123641550541},{"text":"It should be split between the two of you now because you've been up there caring for mom.","start":796.35,"end":800.44995,"sentiment":"neutral","sentiment_score":-0.04845800975130664},{"text":"So the application should be changed to make sure that it's split between the two of you because otherwise it's an unfair outcome.","start":801.79,"end":808.72504,"sentiment":"neutral","sentiment_score":-0.30074259703573974},{"text":"You're all you've also moved away from your home to care for mom.","start":809.265,"end":812.80505,"sentiment":"neutral","sentiment_score":-0.27959173631209594}],"sentiment":"neutral","sentiment_score":-0.1794407779494157,"num_words":65,"start":786.295,"end":812.80505},{"sentences":[{"text":"So it's conversation, obviously, that has to happen between you guys to talk about so that way you don't lose house because the the lender is correct that, theoretically speaking, if you can't make the payments, you could lose the house.","start":813.66504,"end":830.13995,"sentiment":"neutral","sentiment_score":-0.11322401548599506},{"text":"And it's not a matter of selling the house.","start":830.13995,"end":831.915,"sentiment":"neutral","sentiment_score":-0.1325410335428185},{"text":"It's a matter of the bank repossessing the house and then selling it out from underneath you to pay for the mortgage.","start":832.315,"end":838.89496,"sentiment":"neutral","sentiment_score":-0.05375384094870903},{"text":"Now granted, unlikely that they're gonna do it, and if you're open with them and say, hey.","start":839.035,"end":843.055,"sentiment":"neutral","sentiment_score":-0.048534634139607936},{"text":"There's this estate over here.","start":843.27496,"end":844.975,"sentiment":"neutral","sentiment_score":0.10638291984796525}],"sentiment":"neutral","sentiment_score":-0.07777460232783268,"num_words":94,"start":813.66504,"end":844.975},{"sentences":[{"text":"I'm a beneficiary.","start":845.73,"end":846.63,"sentiment":"neutral","sentiment_score":0.2406624754269918},{"text":"Here's the will.","start":846.69,"end":847.41,"sentiment":"neutral","sentiment_score":0.23030456403891245},{"text":"I'm about to get money.","start":847.41,"end":848.63,"sentiment":"neutral","sentiment_score":0.1969083696603775},{"text":"I'm gonna be able to catch up.","start":849.25,"end":850.71,"sentiment":"neutral","sentiment_score":0.19219063222408295},{"text":"We're all good.","start":851.41,"end":852.39,"sentiment":"positive","sentiment_score":0.5054388244946798}],"sentiment":"neutral","sentiment_score":0.25043304122629617,"num_words":21,"start":845.73,"end":852.39},{"sentences":[{"text":"They may be more willing to work with you.","start":853.17,"end":855.43,"sentiment":"positive","sentiment_score":0.3968035082022349},{"text":"But I guess do you I I hate I hate talking about this, I guess, because it is mom's still alive.","start":857.09,"end":862.685,"sentiment":"neutral","sentiment_score":-0.27467040362812223},{"text":"But, realistically speaking, she's palliative.","start":862.825,"end":866.125,"sentiment":"neutral","sentiment_score":-0.01082829087972641},{"text":"It's not if, but when.","start":866.34503,"end":868.28503,"sentiment":"neutral","sentiment_score":-0.06175118088722229},{"text":"Do you know what the estate do you know roughly how the estate's worth, like, how much the house is worth and what the assets roughly overall would be worth?","start":868.905,"end":876.81,"sentiment":"neutral","sentiment_score":-0.02026814129203558}],"sentiment":"neutral","sentiment_score":-0.04525412142808948,"num_words":70,"start":853.17,"end":876.81},{"sentences":[{"text":"Email total?","start":901.72003,"end":902.62006,"sentiment":"neutral","sentiment_score":-0.008638552390038967},{"text":"Okay.","start":907.48004,"end":907.98004,"sentiment":"neutral","sentiment_score":0.037134505808353424},{"text":"Yep.","start":908.36005,"end":908.68005,"sentiment":"neutral","sentiment_score":0.04077315703034401},{"text":"So if that's gonna be divided by 23, we're looking at 300 300,000.","start":908.68005,"end":913.26,"sentiment":"neutral","sentiment_score":0.009875416254194884},{"text":"Now but yeah.","start":914.115,"end":916.515,"sentiment":"neutral","sentiment_score":0.000636872525016467}],"sentiment":"neutral","sentiment_score":0.00954607934691012,"num_words":20,"start":901.72003,"end":916.515},{"sentences":[{"text":"Divided by six.","start":916.515,"end":917.315,"sentiment":"neutral","sentiment_score":-0.011906077153980732},{"text":"Sorry.","start":917.315,"end":917.815,"sentiment":"neutral","sentiment_score":-0.015320518985390663},{"text":"Yes.","start":917.955,"end":918.275,"sentiment":"neutral","sentiment_score":0.05510929971933365},{"text":"So two divided by six, we're looking about 300,000 each.","start":918.275,"end":921.895,"sentiment":"neutral","sentiment_score":0.036872313171625135},{"text":"Now there's a couple of things that, I guess, extra information wise, it could be taken into consideration.","start":921.955,"end":928.855,"sentiment":"neutral","sentiment_score":0.00040035198132197064}],"sentiment":"neutral","sentiment_score":0.01151515201975902,"num_words":33,"start":916.515,"end":928.855},{"sentences":[{"text":"One of those things is that the money is in super for for the estate.","start":929.95,"end":934.53,"sentiment":"neutral","sentiment_score":-0.05283860564231872},{"text":"So the money that's sitting inside the super funds under your mom's and dad's name, that money, if it's paid to you guys, is actually gonna be taxed quite a bit.","start":935.87,"end":946.77496,"sentiment":"neutral","sentiment_score":-0.30489349605575683},{"text":"If I go through in like, if mom I'm assuming mom's over over 65.","start":949.075,"end":955.415,"sentiment":"neutral","sentiment_score":-0.07423190865665674},{"text":"Didn't want to assume.","start":958.25,"end":959.13,"sentiment":"neutral","sentiment_score":-0.05913624819368124},{"text":"Maybe she adopted you.","start":959.13,"end":960.43005,"sentiment":"neutral","sentiment_score":0.09965697675943375}],"sentiment":"neutral","sentiment_score":-0.16355060690137393,"num_words":68,"start":929.95,"end":960.43005},{"sentences":[{"text":"So you guys could you you could pull the money out and put it in mom's bank account.","start":964.41003,"end":969.47003,"sentiment":"neutral","sentiment_score":0.26484009126822156},{"text":"So that way, there's no tax that's gonna be paid.","start":970.565,"end":972.805,"sentiment":"neutral","sentiment_score":0.31157044470310213},{"text":"And that's a conversation that whoever has financial power of attorney needs to fully look at.","start":972.805,"end":977.685,"sentiment":"neutral","sentiment_score":0.19442125875502825},{"text":"And I'd be happy to have a conversation with whoever it is that has financial power of attorney just to talk about, like, I guess, the taxes and just kind of give a bit of information to them to sort of, I guess, to start thinking about things.","start":977.685,"end":990.98,"sentiment":"neutral","sentiment_score":0.3058984694071114},{"text":"Because realistically speaking, if there's a million dollars, and there's, like, a million dollars sitting in a super fund, it's it's 17% tax on money that's paid to a non financial dependent, which you guys are all older old enough.","start":990.98,"end":1013.37,"sentiment":"neutral","sentiment_score":-0.18724340274930001}],"sentiment":"neutral","sentiment_score":0.1377799746326425,"num_words":132,"start":964.41003,"end":1013.37},{"sentences":[{"text":"You know, you're over 18.","start":1013.58997,"end":1014.63,"sentiment":"neutral","sentiment_score":-0.07127989009022713},{"text":"You will make your own you have your own houses.","start":1014.63,"end":1016.31,"sentiment":"neutral","sentiment_score":0.047450586408376697},{"text":"You're you're not you're not financially dependent.","start":1016.31,"end":1018.08997,"sentiment":"neutral","sentiment_score":-0.08390407131186553},{"text":"You're adults.","start":1018.79,"end":1019.61,"sentiment":"neutral","sentiment_score":-0.1352372132241726},{"text":"And 15% of a million million dollars is in a small slice of the pie.","start":1020.55,"end":1025.075,"sentiment":"neutral","sentiment_score":-0.2110828310251236}],"sentiment":"neutral","sentiment_score":-0.10015228147116992,"num_words":39,"start":1013.58997,"end":1025.075},{"sentences":[{"text":"Looking at a 150,000 that the the estate has to pay in tax.","start":1025.075,"end":1027.955,"sentiment":"neutral","sentiment_score":-0.29712405571570766},{"text":"It's a $150,000 that you guys aren't splitting.","start":1027.955,"end":1031.015,"sentiment":"neutral","sentiment_score":-0.2403757181018591},{"text":"So it's, like, $25,000 each that you guys have to pay in So it's just it's so we're just prethinking some of those things while mom's alive, seeing the finances in order now because the Superfund is the one that's gonna hit you guys when it comes to, you know, like, paying, like, paying taxes just because of the the taxes that it is.","start":1033.555,"end":1062.015,"sentiment":"neutral","sentiment_score":-0.25116340996464714},{"text":"Where mom right now won't pay any tax because she's old enough to not have to pay tax, and she's it's her money.","start":1062.155,"end":1071.57,"sentiment":"neutral","sentiment_score":-0.05721707540847685},{"text":"But when it gets paid to you guys, because it's not your money, it's seen as a benefit.","start":1071.57,"end":1075.83,"sentiment":"neutral","sentiment_score":0.028586623517589435}],"sentiment":"neutral","sentiment_score":-0.17985325569789562,"num_words":126,"start":1025.075,"end":1075.83},{"sentences":[{"text":"It there's it's just different tax.","start":1075.89,"end":1077.675,"sentiment":"neutral","sentiment_score":-0.07439218958218892},{"text":"So if we take that money out now, which is live, put in a bank account, and then the estate deals with transferring the money around, it's it's way better from a tax perspective.","start":1077.915,"end":1087.535,"sentiment":"neutral","sentiment_score":0.1378369712654282},{"text":"There's a few more things to consider on that on that side of things, but it's something to consider.","start":1087.8351,"end":1093.09,"sentiment":"neutral","sentiment_score":0.04280404726925649},{"text":"Now I can send you an email that kinda just gives you a few outline things considering talk to the fine like, the financial power of attorney just to sort of look at doing a claim and just pull the money out into mom's bank account.","start":1093.09,"end":1105.935,"sentiment":"neutral","sentiment_score":0.09561816246613213},{"text":"Just keep it there in cash, and then the estate the will can take care of it and split it everywhere.","start":1105.935,"end":1110.355,"sentiment":"neutral","sentiment_score":0.10122138829458327}],"sentiment":"neutral","sentiment_score":0.09188464612123512,"num_words":126,"start":1075.89,"end":1110.355},{"sentences":[{"text":"Now carers allowance is something that you would need to talk to your sister about, seeing if you guys can split it and helping you out there.","start":1113.615,"end":1122.81,"sentiment":"neutral","sentiment_score":0.0831065182056692},{"text":"With with the bank, how much do you owe?","start":1122.87,"end":1127.1901,"sentiment":"neutral","sentiment_score":0.011209199153300788},{"text":"Because your house your house is worth sort of maybe 700,000.","start":1127.1901,"end":1131.99,"sentiment":"neutral","sentiment_score":-0.00011833486231890592},{"text":"Is that still correct?","start":1131.99,"end":1133.595,"sentiment":"neutral","sentiment_score":-0.0032932059839367867},{"text":"My word.","start":1142.7949,"end":1143.275,"sentiment":"neutral","sentiment_score":0.23610182106494904}],"sentiment":"neutral","sentiment_score":0.05287713054040412,"num_words":53,"start":1113.615,"end":1143.275},{"sentences":[{"text":"I love.","start":1143.275,"end":1143.9149,"sentiment":"positive","sentiment_score":0.421779066324234},{"text":"Perfect.","start":1143.9149,"end":1144.4149,"sentiment":"positive","sentiment_score":0.4434545040130615},{"text":"Yeah.","start":1145.0349,"end":1145.5349,"sentiment":"neutral","sentiment_score":0.12423937022686005},{"text":"Yeah.","start":1145.6749,"end":1146.075,"sentiment":"neutral","sentiment_score":0.03877290338277817},{"text":"I'm just looking now.","start":1146.075,"end":1146.955,"sentiment":"neutral","sentiment_score":0.038106516003608704}],"sentiment":"neutral","sentiment_score":0.17805010825395584,"num_words":9,"start":1143.275,"end":1146.955},{"sentences":[{"text":"Sort of, yeah, sitting around that $9,509.09 106,000.","start":1146.955,"end":1151.73,"sentiment":"neutral","sentiment_score":0.04797798581421375},{"text":"Okay.","start":1153.23,"end":1153.55,"sentiment":"neutral","sentiment_score":0.03203034773468971},{"text":"And do you know how much you roughly owe on it?","start":1153.55,"end":1155.65,"sentiment":"neutral","sentiment_score":0.023463903164321728},{"text":"$4.50?","start":1160.03,"end":1160.6901,"sentiment":"neutral","sentiment_score":0.044643595814704895},{"text":"Perfect.","start":1161.15,"end":1161.65,"sentiment":"neutral","sentiment_score":0.3219054341316223}],"sentiment":"neutral","sentiment_score":0.04729573631828481,"num_words":22,"start":1146.955,"end":1161.65},{"sentences":[{"text":"So we've got some decent equity in it.","start":1162.7849,"end":1164.3049,"sentiment":"neutral","sentiment_score":0.3242119699716568},{"text":"Everything's sitting pretty well there.","start":1164.3049,"end":1165.825,"sentiment":"positive","sentiment_score":0.4608171105384827},{"text":"And we've still got the two cards?","start":1165.825,"end":1167.445,"sentiment":"neutral","sentiment_score":0.13761793449521065},{"text":"Yep.","start":1169.985,"end":1170.485,"sentiment":"neutral","sentiment_score":0.058016713708639145},{"text":"And the credit card?","start":1170.7849,"end":1172.005,"sentiment":"neutral","sentiment_score":0.053418016992509365}],"sentiment":"neutral","sentiment_score":0.24531182542443275,"num_words":25,"start":1162.7849,"end":1172.005},{"sentences":[{"text":"Yep.","start":1174.705,"end":1175.205,"sentiment":"neutral","sentiment_score":0.04901691526174545},{"text":"And anything owing on the quick card?","start":1175.345,"end":1177.2849,"sentiment":"neutral","sentiment_score":0.04940839165023395},{"text":"Like Wallet Wizard or Zip Pay.","start":1198.185,"end":1205.785,"sentiment":"neutral","sentiment_score":0.020916200553377468},{"text":"Yep.","start":1205.785,"end":1206.285,"sentiment":"neutral","sentiment_score":0.09930099546909332},{"text":"Yep.","start":1211.27,"end":1211.77,"sentiment":"neutral","sentiment_score":0.068867988884449}],"sentiment":"neutral","sentiment_score":0.04303386528044939,"num_words":16,"start":1174.705,"end":1211.77},{"sentences":[{"text":"Yep.","start":1213.91,"end":1214.41,"sentiment":"neutral","sentiment_score":0.04930930584669113},{"text":"Okay.","start":1220.7899,"end":1221.27,"sentiment":"neutral","sentiment_score":0.03648935258388519},{"text":"So Zip credit card, how?","start":1221.27,"end":1222.875,"sentiment":"neutral","sentiment_score":0.035008031874895096},{"text":"Afterpay as well or no Afterpay?","start":1223.435,"end":1225.135,"sentiment":"neutral","sentiment_score":-0.00513092443967859},{"text":"As well.","start":1227.515,"end":1228.155,"sentiment":"neutral","sentiment_score":-0.005955442786216735}],"sentiment":"neutral","sentiment_score":0.014542825706303119,"num_words":15,"start":1213.91,"end":1228.155},{"sentences":[{"text":"Okay.","start":1228.155,"end":1228.655,"sentiment":"neutral","sentiment_score":0.02311078831553459},{"text":"Okay.","start":1228.795,"end":1229.115,"sentiment":"neutral","sentiment_score":0.0400032103061676},{"text":"So we've got basically 500 across the credit card, the Afterpay, the Zippay, plus the house on top of that.","start":1229.115,"end":1235.855,"sentiment":"neutral","sentiment_score":0.06201514191925526},{"text":"Okay.","start":1236.45,"end":1236.95,"sentiment":"neutral","sentiment_score":0.020497841760516167},{"text":"Alright.","start":1239.549,"end":1240.049,"sentiment":"neutral","sentiment_score":0.017404047772288322}],"sentiment":"neutral","sentiment_score":0.055888280272483826,"num_words":24,"start":1228.155,"end":1240.049},{"sentences":[{"text":"That's okay.","start":1242.648,"end":1246.247,"sentiment":"neutral","sentiment_score":0.05959489475935698},{"text":"Perfect.","start":1248.846,"end":1249.346,"sentiment":"neutral","sentiment_score":0.32923007011413574},{"text":"Alright.","start":1252.985,"end":1253.3849,"sentiment":"neutral","sentiment_score":0.2115343064069748},{"text":"Perfect.","start":1253.3849,"end":1253.8849,"sentiment":"neutral","sentiment_score":0.26253974437713623},{"text":"Okay.","start":1255.7849,"end":1256.2849,"sentiment":"neutral","sentiment_score":0.09010307490825652}],"sentiment":"neutral","sentiment_score":0.16876616422086954,"num_words":6,"start":1242.648,"end":1256.2849},{"sentences":[{"text":"So, obviously I I completely understand.","start":1256.825,"end":1265.005,"sentiment":"neutral","sentiment_score":-0.02798186056315899},{"text":"But when mom passes, the money comes in.","start":1265.1449,"end":1268.64,"sentiment":"neutral","sentiment_score":0.021156891249120235},{"text":"It allows you to close those things out, and we are able to look at doing a few things with paying down a mortgage and and how to best best get that positioned.","start":1268.64,"end":1278.98,"sentiment":"neutral","sentiment_score":0.064159787513993},{"text":"Now, like, obviously, selling the house is gonna take time, so that's not gonna happen immediately.","start":1283.025,"end":1290.165,"sentiment":"neutral","sentiment_score":-0.22333493176847696},{"text":"It'll No one's no one's gonna contest the bill.","start":1290.625,"end":1305.0599,"sentiment":"neutral","sentiment_score":-0.27175722850693596}],"sentiment":"neutral","sentiment_score":-0.05417412514280942,"num_words":72,"start":1256.825,"end":1305.0599},{"sentences":[{"text":"Now want oh, like, if Yeah.","start":1308.355,"end":1316.215,"sentiment":"neutral","sentiment_score":-0.09384045004844666},{"text":"So if I'm sure I'm on how to win.","start":1316.275,"end":1318.855,"sentiment":"neutral","sentiment_score":-0.046613798994157046},{"text":"Yes.","start":1322.65,"end":1323.15,"sentiment":"neutral","sentiment_score":-0.07943730056285858},{"text":"Oh, and what?","start":1333.77,"end":1334.49,"sentiment":"neutral","sentiment_score":-0.07505254944165547},{"text":"Sorry.","start":1334.49,"end":1334.99,"sentiment":"neutral","sentiment_score":-0.12550069391727448}],"sentiment":"neutral","sentiment_score":-0.07063312670215964,"num_words":20,"start":1308.355,"end":1334.99},{"sentences":[{"text":"Okay.","start":1340.255,"end":1340.755,"sentiment":"neutral","sentiment_score":-0.023411884903907776},{"text":"So so what can happen is what can happen is once one passes with the estate settling and the will taking power of of deducting assets, if someone is unsatisfied with the will as a document and the outcome it's that fits, like, the decisions that are being made, they could contest the will.","start":1341.935,"end":1372.255,"sentiment":"neutral","sentiment_score":-0.30268860242708967},{"text":"So basically argue against it, which could result in it taking longer for the estate to settle.","start":1372.255,"end":1380.13,"sentiment":"negative","sentiment_score":-0.5354555617360508},{"text":"So if all six of you were on the same page and it's just gonna go through nice and easily, then that's not really too much of an issue.","start":1382.03,"end":1390.13,"sentiment":"neutral","sentiment_score":0.1560697740521924},{"text":"But if it's going to take like, if someone can test the will, it might take longer.","start":1393.205,"end":1399.3049,"sentiment":"negative","sentiment_score":-0.35151103664846983}],"sentiment":"neutral","sentiment_score":-0.2281441113643222,"num_words":118,"start":1340.255,"end":1399.3049},{"sentences":[{"text":"It takes longer.","start":1399.6849,"end":1400.6649,"sentiment":"negative","sentiment_score":-0.40903909007708233},{"text":"Okay.","start":1401.845,"end":1402.345,"sentiment":"neutral","sentiment_score":-0.2626373767852783},{"text":"Really?","start":1403.9249,"end":1404.4249,"sentiment":"neutral","sentiment_score":-0.0903979390859604},{"text":"Yep.","start":1405.365,"end":1405.865,"sentiment":"neutral","sentiment_score":-0.03043244779109955},{"text":"Okay.","start":1409.98,"end":1410.48,"sentiment":"neutral","sentiment_score":-0.03198396414518356}],"sentiment":"neutral","sentiment_score":-0.2346527140055384,"num_words":7,"start":1399.6849,"end":1410.48},{"sentences":[{"text":"So yeah.","start":1411.26,"end":1411.74,"sentiment":"neutral","sentiment_score":-0.0365229956805706},{"text":"So if if all six of you are not on the same page and some can ask the will, that's where things might get a little bit strange, might take a little bit longer, so to speak.","start":1411.74,"end":1421.355,"sentiment":"neutral","sentiment_score":-0.23745663141882098},{"text":"Now regarding, I guess, the insurance side of things, we can definitely go ahead with the insurance.","start":1425.515,"end":1436.06,"sentiment":"neutral","sentiment_score":0.0940450767383856},{"text":"We can still go ahead with the ins like, the IP insurance even though you're on leave at the moment because you still have a contract.","start":1436.06,"end":1442.9401,"sentiment":"neutral","sentiment_score":0.02874703504718267},{"text":"You have a contract to go back to.","start":1442.9401,"end":1444.7001,"sentiment":"neutral","sentiment_score":-0.0047045242972671986}],"sentiment":"neutral","sentiment_score":-0.07278209258284833,"num_words":90,"start":1411.26,"end":1444.7001},{"sentences":[{"text":"You're just on unpaid leave for a short period of time, so that's that's fine.","start":1444.7001,"end":1448.2401,"sentiment":"neutral","sentiment_score":-0.03765672544638316},{"text":"But the issue we have is that we were talking about paying for it out of your personal pocket, which we don't currently have the need to be able to pay for.","start":1448.865,"end":1455.925,"sentiment":"negative","sentiment_score":-0.3918129818048328},{"text":"So there's a couple of options we have.","start":1458.625,"end":1461.585,"sentiment":"neutral","sentiment_score":-0.04750332934781909},{"text":"We could look at paying for it from your super fund, but that's gonna put a lien on your super fund.","start":1461.585,"end":1467.6799,"sentiment":"neutral","sentiment_score":-0.2147174364044553},{"text":"Or we kind of hold and possibly hold for maybe six months, wait to see what happens with mom and the estate, and then we can kind of have a bit more of a conversation about where do we go with the money from the estate, how do we best target, like, growth for you.","start":1468.14,"end":1489.115,"sentiment":"neutral","sentiment_score":0.024915630302645944}],"sentiment":"neutral","sentiment_score":-0.12688243841283195,"num_words":131,"start":1444.7001,"end":1489.115},{"sentences":[{"text":"Because, obviously, paying down the debts is a massive thing, and it's it's where people go to first.","start":1489.115,"end":1492.99,"sentiment":"neutral","sentiment_score":0.2850325372483995},{"text":"People go, cool.","start":1493.4501,"end":1494.49,"sentiment":"positive","sentiment_score":0.3789986769358317},{"text":"I have the debt.","start":1494.49,"end":1494.9701,"sentiment":"neutral","sentiment_score":0.18270636722445488},{"text":"I have this money.","start":1494.9701,"end":1495.53,"sentiment":"neutral","sentiment_score":0.2786390706896782},{"text":"I'm gonna pay the debt off.","start":1495.53,"end":1496.8301,"sentiment":"neutral","sentiment_score":0.25318241119384766}],"sentiment":"neutral","sentiment_score":0.27520165485995157,"num_words":35,"start":1489.115,"end":1496.8301},{"sentences":[{"text":"It's not always the best avenue that we can take.","start":1496.9701,"end":1500.49,"sentiment":"neutral","sentiment_score":-0.004706528037786484},{"text":"There's other avenues that are available to us that are gonna end up being more financially beneficial.","start":1500.49,"end":1504.51,"sentiment":"positive","sentiment_score":0.3812715963405721},{"text":"There's a degree that paying down the, you know, 9.5 to $10 in credit loans isn't a isn't a good idea, but capital the money on the mortgage you know, it is.","start":1505.3451,"end":1517.5851,"sentiment":"neutral","sentiment_score":-0.003741462132893502},{"text":"It is a good idea.","start":1517.5851,"end":1518.725,"sentiment":"neutral","sentiment_score":0.28336567878723146},{"text":"But the mortgage paying that off in one lump sum might not actually be the best avenue.","start":1520.145,"end":1525.42,"sentiment":"neutral","sentiment_score":-0.3149954133173999}],"sentiment":"neutral","sentiment_score":0.0293423634160448,"num_words":81,"start":1496.9701,"end":1525.42},{"sentences":[{"text":"There might be other avenues that we can look at depending on what we wanna achieve and then, obviously, depending on how much money you get as well.","start":1525.64,"end":1532.7,"sentiment":"neutral","sentiment_score":-0.04836484217750175},{"text":"Again, I know it sounds insensitive.","start":1533.0,"end":1534.7,"sentiment":"negative","sentiment_score":-0.37009458740552265},{"text":"So I think the insurance and and figuring out what we're gonna do with the money needs to go on hold until we know how much money we're gonna have.","start":1535.555,"end":1544.295,"sentiment":"neutral","sentiment_score":-0.07872999145959815},{"text":"And what I'll do is I will have it in my calendar that I'm gonna contact you every three months and touch base with you on those so we can talk about and just touch base.","start":1544.4349,"end":1553.8999,"sentiment":"neutral","sentiment_score":0.17678536247048113},{"text":"Just a funny voice to find out how you're going and check-in on you.","start":1553.8999,"end":1557.4199,"sentiment":"neutral","sentiment_score":0.21380767545529775}],"sentiment":"neutral","sentiment_score":0.030007874176494385,"num_words":114,"start":1525.64,"end":1557.4199},{"sentences":[{"text":"Because I know that losing our mom no matter how old we are, it hurts.","start":1557.4199,"end":1561.12,"sentiment":"neutral","sentiment_score":-0.33317531943321227},{"text":"And I'm sorry, darling.","start":1561.82,"end":1563.015,"sentiment":"neutral","sentiment_score":-0.2165160421282053},{"text":"Yeah.","start":1566.855,"end":1567.095,"sentiment":"neutral","sentiment_score":0.14107193052768707},{"text":"Now I guess with with respect to everything else, I do wanna do some changes to your super funds.","start":1567.095,"end":1574.135,"sentiment":"neutral","sentiment_score":0.1662435100266808},{"text":"Probably the biggest thing I wanna do first and foremost because there's just a couple of assets that I really wanna change around.","start":1574.135,"end":1579.93,"sentiment":"neutral","sentiment_score":0.18014250954856043}],"sentiment":"neutral","sentiment_score":0.02547229646194366,"num_words":62,"start":1557.4199,"end":1579.93},{"sentences":[{"text":"But otherwise, is there is there anything specific that you want to look into as well aside from the insurance side of things?","start":1580.7101,"end":1587.43,"sentiment":"neutral","sentiment_score":-0.06438550741776176},{"text":"Because we we have to put that on hold.","start":1587.43,"end":1589.235,"sentiment":"neutral","sentiment_score":-0.1879024472501543},{"text":"Like, I just I can't, in good faith, go and undertake that.","start":1589.235,"end":1592.115,"sentiment":"neutral","sentiment_score":-0.21046923908094564},{"text":"Your super fund can't support it, and you can't cash flow support it.","start":1592.115,"end":1595.095,"sentiment":"negative","sentiment_score":-0.5715617285324976},{"text":"Is there anything else that you wanna look into?","start":1599.075,"end":1601.815,"sentiment":"neutral","sentiment_score":0.06888274062010977}],"sentiment":"neutral","sentiment_score":-0.1895148086389809,"num_words":66,"start":1580.7101,"end":1601.815},{"sentences":[{"text":"Bitcoin.","start":1606.7,"end":1607.1799,"sentiment":"neutral","sentiment_score":0.011106151156127453},{"text":"I sent you an email back a few months ago about, yep, about back when we spoke with you in last year about available funds in I can send it to you again.","start":1607.1799,"end":1617.9149,"sentiment":"neutral","sentiment_score":0.04909769128161398},{"text":"I can forward it to you.","start":1617.9149,"end":1619.215,"sentiment":"neutral","sentiment_score":0.07330245400468509},{"text":"No.","start":1621.115,"end":1621.4349,"sentiment":"neutral","sentiment_score":-0.03272365778684616},{"text":"Of course.","start":1621.4349,"end":1621.835,"sentiment":"neutral","sentiment_score":-0.0030520446598529816}],"sentiment":"neutral","sentiment_score":0.047263184659789466,"num_words":43,"start":1606.7,"end":1621.835},{"sentences":[{"text":"Of course.","start":1621.835,"end":1622.495,"sentiment":"neutral","sentiment_score":-0.000992055982351303},{"text":"Yeah.","start":1623.355,"end":1623.6749,"sentiment":"neutral","sentiment_score":0.01722513698041439},{"text":"Because inside your hub twenty four fund, there is no there's no Bitcoin that you can actually buy, but there are Bitcoin adjacent assets that basically, they they are the they are the companies that build the software that Bitcoin is mined on.","start":1623.6749,"end":1643.265,"sentiment":"neutral","sentiment_score":-0.019323302194649398},{"text":"So so they are the companies that build the software to mine Bitcoin.","start":1645.585,"end":1653.845,"sentiment":"neutral","sentiment_score":-0.033066331767118894},{"text":"It's not Bitcoin specific.","start":1655.745,"end":1657.045,"sentiment":"neutral","sentiment_score":-0.03163887793198228}],"sentiment":"neutral","sentiment_score":-0.021779028477058524,"num_words":63,"start":1621.835,"end":1657.045},{"sentences":[{"text":"It's it's shares in companies that build software specific for, like, Bitcoin and stuff like that.","start":1657.345,"end":1666.5801,"sentiment":"neutral","sentiment_score":-0.01812087942380458},{"text":"So that's that's an avenue that that we can look at.","start":1668.0,"end":1670.56,"sentiment":"neutral","sentiment_score":0.07452804764563387},{"text":"I'll re I'll resend that that email to you so you can have a look at it.","start":1670.56,"end":1675.535,"sentiment":"neutral","sentiment_score":0.15422147030339522},{"text":"And if you wanna go ahead, I can look at incorporating that into the investment in your super funds.","start":1675.835,"end":1682.175,"sentiment":"neutral","sentiment_score":0.19626235687418989},{"text":"Okay.","start":1683.755,"end":1684.255,"sentiment":"neutral","sentiment_score":0.10114242136478424}],"sentiment":"neutral","sentiment_score":0.1090901039133314,"num_words":64,"start":1657.345,"end":1684.255},{"sentences":[{"text":"What I'll do is I wanna I'm gonna do do a bit of research and have a look at how we can change your investments around.","start":1685.75,"end":1690.89,"sentiment":"neutral","sentiment_score":0.08481571393517348},{"text":"Now that I sort of hold, I guess, a bit more of a scope as to where we're sitting at the moment position wise and where we can actually head and what we can do, I can go ahead and get that research happening and reach out to you in a week.","start":1691.75,"end":1705.555,"sentiment":"neutral","sentiment_score":0.07284164385726818},{"text":"And I can literally call you next Thursday to same time and go through and and explain the research and and just touch base with you then as well.","start":1706.735,"end":1716.46,"sentiment":"positive","sentiment_score":0.3392687614621787},{"text":"Okay?","start":1716.46,"end":1716.96,"sentiment":"neutral","sentiment_score":0.31625497341156006},{"text":"Okay.","start":1719.58,"end":1720.08,"sentiment":"positive","sentiment_score":0.5116211771965027}],"sentiment":"neutral","sentiment_score":0.15284077317342845,"num_words":109,"start":1685.75,"end":1720.08},{"sentences":[{"text":"Perfect.","start":1720.14,"end":1720.64,"sentiment":"positive","sentiment_score":0.7496780157089233},{"text":"Well, I'll get cracking and start getting research happening.","start":1720.94,"end":1723.1799,"sentiment":"positive","sentiment_score":0.6708591845300462},{"text":"I'll forward this email to you, and we will talk in a week, a week today.","start":1723.1799,"end":1728.735,"sentiment":"neutral","sentiment_score":0.17393413372337818},{"text":"Okay.","start":1730.075,"end":1730.575,"sentiment":"neutral","sentiment_score":0.02623189240694046},{"text":"Alright.","start":1730.715,"end":1731.215,"sentiment":"neutral","sentiment_score":0.0413365513086319}],"sentiment":"positive","sentiment_score":0.3442116164203201,"num_words":28,"start":1720.14,"end":1731.215},{"sentences":[{"text":"Yeah.","start":1732.1549,"end":1732.475,"sentiment":"neutral","sentiment_score":0.03899102658033371},{"text":"Same time if if same time works for you, if same time doesn't work for you, you let me know.","start":1732.475,"end":1736.475,"sentiment":"neutral","sentiment_score":0.017504551587626337},{"text":"Yeah?","start":1736.475,"end":1736.7949,"sentiment":"neutral","sentiment_score":0.04275723546743393},{"text":"Alright.","start":1736.7949,"end":1737.0349,"sentiment":"neutral","sentiment_score":0.13426969945430756},{"text":"Perfect.","start":1737.0349,"end":1737.5349,"sentiment":"neutral","sentiment_score":0.25660404562950134}],"sentiment":"neutral","sentiment_score":0.0342797099535043,"num_words":24,"start":1732.1549,"end":1737.5349},{"sentences":[{"text":"Yep.","start":1739.0349,"end":1739.5349,"sentiment":"neutral","sentiment_score":0.11915554851293564},{"text":"Alright.","start":1739.755,"end":1740.1549,"sentiment":"neutral","sentiment_score":0.2581576108932495},{"text":"Perfect.","start":1740.1549,"end":1740.635,"sentiment":"positive","sentiment_score":0.34521225094795227},{"text":"Well, I will I'll call you I'll call you then.","start":1740.635,"end":1743.24,"sentiment":"neutral","sentiment_score":0.10566184967756272},{"text":"That's okay, Louise.","start":1746.6799,"end":1747.64,"sentiment":"neutral","sentiment_score":0.27161327997843426}],"sentiment":"neutral","sentiment_score":0.1621239841915667,"num_words":16,"start":1739.0349,"end":1747.64},{"sentences":[{"text":"We'll speak then.","start":1747.64,"end":1748.62,"sentiment":"neutral","sentiment_score":0.20094212889671326},{"text":"Bye, Tully.","start":1748.92,"end":1749.66,"sentiment":"neutral","sentiment_score":0.2695552855730057}],"sentiment":"neutral","sentiment_score":0.22838739156723023,"num_words":5,"start":1747.64,"end":1749.66}]}}]},{"alternatives":[{"transcript":"Hello? Louis speaking. Oh, yeah. Good. Thanks, Larissa. How are you? That's good. That's okay. Oh, you okay? That's good. Yeah. Yeah. Well, that's good. Yeah. Okay. Yep. It's so we took our 04/06/2019 79 Webloop in Haines 6112. I'll do three point four five days. It's just telling you my best date of birth. Is that right? Yeah. I'll stick to that. Yeah. Yeah. Yeah. Sure. Yeah. Yeah. That'd be good. So at the moment, there's I'm actually on leave. I'm I'm being been off on leave for about two months because I'm looking after my mom who's in part of care. So yes. Okay. So so I'm in Calgary at the moment. So and I've got three months medical certificate covered me up until currently up to October, I think, twenty sixth. And yeah. So it's, like, just coasting at the moment. So my role is still there at Perth Children's Hospital in Perth. I still live in Perth, but I'm just living in Calvary helping out and looking after mom twenty four seven, basically. That's where I'm at at the moment. Yes. I've been off since it's about what in August. I think it was June. Okay. I've been off work since then. So I don't have any income at the moment, which is quite hard. I had to had to apply for financial hardship with Keystart at the moment, so they put a stop to my pay repayments for three months at the moment. They're aware that I'm here with mom and returning back to work whenever I can. I think it's up to twelve months I can take, but at the moment, it's I mean, just started in June this year. So just basically coasting at the moment with mom. I don't know whether I'll go back in in October or or I'm not too sure yet. It's just better for to let input my employer know that they take take longer time off rather than saying given week by week sort of thing. So we don't know how long mom mom has at the moment, but we've been told I don't think she'd be I don't think she might make it till Christmas, basically, I think. I'm I'm assuming. So she's on a positive care. So it's positive care here at home. So, like I said, it's only up till October so far. I've got my middle certificate full. So, like I said, no income been coming in at the moment. I don't have any leaves. So that's where I'm at at in this current situation. But prior to that, I've still been working full time at the children's hospital, yeah, up until June. That's where I'm at at the moment. I was in the process of refinancing my house at two, but now I can't do that because I'm now from leave. But, yeah, unexpected yeah. I mean, unexpectedly. So that's like damping that for me. I'll head it I'm trying to get out of key stock because it's so much interest. It's not funny. You know what I mean? And I just I wanna yeah. Yeah. Yeah. And I'm interested about 7.6 only 8%, I think. So I've been with them for nearly over, what, nine years. So I was I was dealing with a mortgage broker. He was we're just about to get it done, and then, yeah, this happened from there. I've gotta wait now to probably wait until I go back to work and work for about six months or so to get it all, you know, more stable again and then probably go for the refinancing the house. So that's where I'm up to at the moment. And I think when I spoke to you when I spoke to you last year, I think I mentioned that the income protection, I don't know where we're up to with that. And I know I know that was for myself being ill. Some understanding is that I wanted to know that that maybe up to you with that if it's still possible to try and get income protection and all that sort of stuff. And also, I was I spoke to you when I did speak to you last, it was also questions about Bitcoin and where that was up to and if that's possible as well. I don't know. I don't know what what's your thoughts. And then there's also an email I keep getting from I view in regards to some trades that's I'm not too sure what that's about. You can also explain that to me. I know I think you explained it to me before. I can't remember what what it's about. So I'm just wondering what what what's that all about as well? That's money going out to certain shares, I think. Is that right? Or what's going on there as well? And I also changed over to Hub twenty four. Is that right? So I don't know that is it just better for me? I don't know. Yeah. A lot of things happening at the moment. Yeah. So Yep. Mhmm. Yes. Yep. Yes. Yep. Yeah. I'm tired. Yep. Yes. Yeah. Yep. Yeah. No. No. Apparently so I'd share my my sister was caring for mom before I came. So she currently has the carer's payment, I believe. Now that we're talking with palliative care team, a social worker has asked us about that, and apparently we cannot get the carer's payment due to mom and mom's assets at the moment. I think it's too high, whatever, I think. I don't know if that's means tested, but it yeah. So my sister couldn't get that. She's only getting that carers payment or allowance, whatever it was. And then I was told from my the other sister that three carers can claim for the carers allowance. I don't know if if you know anything about that. Is that correct? Or and it's only about 100 and something in fortnight anyway. Yeah. And the carers payment, like I said, we I think my sister tried to go for that before. But, yeah, we couldn't do it because mom's assets at the moment, apparently. Because we lost dad about four years ago. So between mom and dad's assets, we can't, yeah, do anything there, which is a shame because I'm I'm I'm mom's enduring pair of guardianship guardian. So, yeah, it's just a bit hard not having any income at this time. And my mortgage, when I do return back to work, I have to catch up with the repayments and pay higher repayments to catch up. You know what I mean? So that's gonna be a bit of a take of the toll on me as well. So I might have to look at a second job again. I do have a second contract with East Metro Health Service. That's I had that, I think, when I was talking to you last. That was a weekend work, but I'm I haven't there's no work anymore. So, yeah, some I'm just gonna my my main income is child health and that'll yeah. Child health benefits. So health service. So it's a bit yeah. Very tight with I don't know how I'm going to return back to it. I'll have to look in a sec my second job, basically, to make things to make to catch up with my key start payment and then hopefully get out refinance. Yeah. And then then Keith started to mention, sorry, that maybe selling. I don't know. I don't know. Yeah. I think Keith start mentioned you sell if if I have to. I'm I'm just so they don't have any shares in it, so I don't really wanna sell. So I'm gonna I'm gonna spoke to the mortgage broker. She did say not to sell because it might be harder for me to get back in the market if I did that to do that. So I'm I'm trying to hold on to my house as much as I can, basically. Yeah. Right. Okay. Okay. Is that Care's payment you say? Okay. Okay. Okay. Okay. Yeah. She's she's got property and super well, I think dad's super. So yeah. Yeah. Not at at the moment, but I can get those figures. But my other brother, he's the power of attorney, and he has all those figures. But yeah. But but, yeah, we don't I I know there is a bit there, but yeah. And then when mom does her stuff, I think we're gonna look at on this property, and then we're gonna divide it up with our siblings as well. No. There's six six of us. Yeah. So yeah. Sorry. I yeah. I didn't mention my brothers. Yeah. That's been it. There's three brothers. There's three three brothers with three girls. Three daughters. Yeah. One's got three brothers. Three sons and three daughters. Yeah. Bit of a crowd. Yeah. Yeah. Yeah. Mhmm. Because the allowance is not Okay. Right. Yeah. Right. Okay. Yeah. So it's me and my older sister. Yes. She she had that payment before I came back. Okeydokey. Okay. Okay. Sure. Yeah. Yep. Okay. Yeah. You're right. Okay. Okay. Yeah. Okay. Yeah. Right. Yeah. Yeah. Yeah. $7.50 for the property. And then I think probably going back to mill maybe, I think. Yeah. So about that. Yeah. I think. Roughly. Divided by divided by six. Yep. Yep. Mhmm. Mhmm. Okay. Yeah. Yeah. Yep. Okay. Yeah. Yep. Okay. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. Okay. Okay. Okay. Yeah. That'd be good. Yep. Yes. Yep. Yeah. No. Yeah. It's going up now. It's about well, value coming out about so it's not up to 990 or something. My house is Yeah. Yeah. Yeah. Yeah. Yep. Yeah. 480, I think. Or 450. Yep. Yep. Yes. Yep. Yes. 4, I think. Oh, $33,500. And then I've got those that I have to pay I have to pay 3,000 there. And then the I think it was a credit card. Oh, what was that I think called? Zip. So I think Zip I think it's just about $2, I think, or 2 $33 as well. So, yeah, I've gone through all that stuff with the broker to refinance. So I would know off the top of my head that the Sunny Zip home and credit card in the house. Yep. After five minutes, they stopped there. Yep. Yep. So ZIP. Sorry. So so ZIP. So ZIP credit card in the house. May I have to pay? I think it's finished now. Yeah. ZIP credit card in the house. Sorry. What was that? Yeah. Yeah. Yeah. Yep. No. No. And I don't think I wanna sell yet anyway. I don't know yet. Not too sure. Never thought that far. What's that about? Sorry? That that can happen? Sorry. Sorry. There is that on your your phone. It's like it's hard. It's it's like cutting out when you're speaking. So yeah. Sorry. You think so? If we keep talking, I'll let you know. Yeah. Mhmm. Okay. You're cutting out again. Sorry. You're cutting out again. Yeah. Yeah. If you keep talking or anything yeah. Yeah. No. Okay. Okay. Yeah. Right. Yeah. It's it's not a good idea. Alright. Okay. Okay. Yeah. Okay. Yeah. Yeah. Yeah. It's okay. That's alright. Yep. Yep. Yeah. That's okay. Yep. That's alright. Pickcoin. Oh, did you? You did? Yep. Okay. That sounds good. Yeah. Sorry. That'd be good if you can. Yep. Alright. What's that called again? Sorry, Rosa. Okay. Okay. Okay. Thank you. Yep. Thank you. Okay. Yep. Yeah. Yep. Yep. That'd be that'd be good. Yep. Mhmm. Okay. Okay. And same time? Or yeah. That's okay. Twelve. Yep. Yep. Twelve thirty is right. Yeah. That'd be good. Okay then. Yep. Okay. Thank you very much, Melissa. Okay. Thank you. 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Louis speaking. Oh, yeah. Good. Thanks, Larissa.\n\nHow are you? That's good. That's okay. Oh, you okay? That's good.\n\nYeah. Yeah. Well, that's good. Yeah. Okay.\n\nYep. It's so we took our 04/06/2019 79 Webloop in Haines 6112. I'll do three point four five days. It's just telling you my best date of birth. Is that right?\n\nYeah. I'll stick to that. Yeah. Yeah. Yeah.\n\nSure. Yeah. Yeah. That'd be good. So at the moment, there's I'm actually on leave.\n\nI'm I'm being been off on leave for about two months because I'm looking after my mom who's in part of care. So yes. Okay. So so I'm in Calgary at the moment. So and I've got three months medical certificate covered me up until currently up to October, I think, twenty sixth.\n\nAnd yeah. So it's, like, just coasting at the moment. So my role is still there at Perth Children's Hospital in Perth. I still live in Perth, but I'm just living in Calvary helping out and looking after mom twenty four seven, basically. That's where I'm at at the moment.\n\nYes. I've been off since it's about what in August. I think it was June. Okay. I've been off work since then.\n\nSo I don't have any income at the moment, which is quite hard. I had to had to apply for financial hardship with Keystart at the moment, so they put a stop to my pay repayments for three months at the moment. They're aware that I'm here with mom and returning back to work whenever I can. I think it's up to twelve months I can take, but at the moment, it's I mean, just started in June this year. So just basically coasting at the moment with mom.\n\nI don't know whether I'll go back in in October or or I'm not too sure yet. It's just better for to let input my employer know that they take take longer time off rather than saying given week by week sort of thing. So we don't know how long mom mom has at the moment, but we've been told I don't think she'd be I don't think she might make it till Christmas, basically, I think. I'm I'm assuming. So she's on a positive care.\n\nSo it's positive care here at home. So, like I said, it's only up till October so far. I've got my middle certificate full. So, like I said, no income been coming in at the moment. I don't have any leaves.\n\nSo that's where I'm at at in this current situation. But prior to that, I've still been working full time at the children's hospital, yeah, up until June. That's where I'm at at the moment. I was in the process of refinancing my house at two, but now I can't do that because I'm now from leave. But, yeah, unexpected yeah.\n\nI mean, unexpectedly. So that's like damping that for me. I'll head it I'm trying to get out of key stock because it's so much interest. It's not funny. You know what I mean?\n\nAnd I just I wanna yeah. Yeah. Yeah. And I'm interested about 7.6 only 8%, I think. So I've been with them for nearly over, what, nine years.\n\nSo I was I was dealing with a mortgage broker. He was we're just about to get it done, and then, yeah, this happened from there. I've gotta wait now to probably wait until I go back to work and work for about six months or so to get it all, you know, more stable again and then probably go for the refinancing the house. So that's where I'm up to at the moment. And I think when I spoke to you when I spoke to you last year, I think I mentioned that the income protection, I don't know where we're up to with that.\n\nAnd I know I know that was for myself being ill. Some understanding is that I wanted to know that that maybe up to you with that if it's still possible to try and get income protection and all that sort of stuff. And also, I was I spoke to you when I did speak to you last, it was also questions about Bitcoin and where that was up to and if that's possible as well. I don't know. I don't know what what's your thoughts.\n\nAnd then there's also an email I keep getting from I view in regards to some trades that's I'm not too sure what that's about. You can also explain that to me. I know I think you explained it to me before. I can't remember what what it's about. So I'm just wondering what what what's that all about as well?\n\nThat's money going out to certain shares, I think. Is that right? Or what's going on there as well? And I also changed over to Hub twenty four. Is that right?\n\nSo I don't know that is it just better for me? I don't know. Yeah. A lot of things happening at the moment. Yeah.\n\nSo Yep. Mhmm. Yes. Yep. Yes.\n\nYep. Yeah. I'm tired. Yep. Yes.\n\nYeah. Yep. Yeah. No. No.\n\nApparently so I'd share my my sister was caring for mom before I came. So she currently has the carer's payment, I believe. Now that we're talking with palliative care team, a social worker has asked us about that, and apparently we cannot get the carer's payment due to mom and mom's assets at the moment. I think it's too high, whatever, I think. I don't know if that's means tested, but it yeah.\n\nSo my sister couldn't get that. She's only getting that carers payment or allowance, whatever it was. And then I was told from my the other sister that three carers can claim for the carers allowance. I don't know if if you know anything about that. Is that correct?\n\nOr and it's only about 100 and something in fortnight anyway. Yeah. And the carers payment, like I said, we I think my sister tried to go for that before. But, yeah, we couldn't do it because mom's assets at the moment, apparently. Because we lost dad about four years ago.\n\nSo between mom and dad's assets, we can't, yeah, do anything there, which is a shame because I'm I'm I'm mom's enduring pair of guardianship guardian. So, yeah, it's just a bit hard not having any income at this time. And my mortgage, when I do return back to work, I have to catch up with the repayments and pay higher repayments to catch up. You know what I mean? So that's gonna be a bit of a take of the toll on me as well.\n\nSo I might have to look at a second job again. I do have a second contract with East Metro Health Service. That's I had that, I think, when I was talking to you last. That was a weekend work, but I'm I haven't there's no work anymore. So, yeah, some I'm just gonna my my main income is child health and that'll yeah.\n\nChild health benefits. So health service. So it's a bit yeah. Very tight with I don't know how I'm going to return back to it. I'll have to look in a sec my second job, basically, to make things to make to catch up with my key start payment and then hopefully get out refinance.\n\nYeah. And then then Keith started to mention, sorry, that maybe selling. I don't know. I don't know. Yeah.\n\nI think Keith start mentioned you sell if if I have to. I'm I'm just so they don't have any shares in it, so I don't really wanna sell. So I'm gonna I'm gonna spoke to the mortgage broker. She did say not to sell because it might be harder for me to get back in the market if I did that to do that. So I'm I'm trying to hold on to my house as much as I can, basically.\n\nYeah. Right. Okay. Okay. Is that Care's payment you say?\n\nOkay. Okay. Okay. Okay. Yeah.\n\nShe's she's got property and super well, I think dad's super. So yeah. Yeah. Not at at the moment, but I can get those figures. But my other brother, he's the power of attorney, and he has all those figures.\n\nBut yeah. But but, yeah, we don't I I know there is a bit there, but yeah. And then when mom does her stuff, I think we're gonna look at on this property, and then we're gonna divide it up with our siblings as well. No. There's six six of us.\n\nYeah. So yeah. Sorry. I yeah. I didn't mention my brothers.\n\nYeah. That's been it. There's three brothers. There's three three brothers with three girls. Three daughters.\n\nYeah. One's got three brothers. Three sons and three daughters. Yeah. Bit of a crowd.\n\nYeah. Yeah. Yeah. Mhmm. Because the allowance is not Okay.\n\nRight. Yeah. Right. Okay. Yeah.\n\nSo it's me and my older sister. Yes. She she had that payment before I came back. Okeydokey. Okay.\n\nOkay. Sure. Yeah. Yep. Okay.\n\nYeah. You're right. Okay. Okay. Yeah.\n\nOkay. Yeah. Right. Yeah. Yeah.\n\nYeah. $7.50 for the property. And then I think probably going back to mill maybe, I think. Yeah. So about that.\n\nYeah. I think. Roughly. Divided by divided by six. Yep.\n\nYep. Mhmm. Mhmm. Okay. Yeah.\n\nYeah. Yep. Okay. Yeah. Yep.\n\nOkay. Yep. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Yeah. Okay.\n\nOkay. Okay. Yeah. That'd be good. Yep.\n\nYes. Yep. Yeah. No. Yeah.\n\nIt's going up now. It's about well, value coming out about so it's not up to 990 or something. My house is Yeah. Yeah. Yeah.\n\nYeah. Yep. Yeah. 480, I think. Or 450.\n\nYep. Yep. Yes. Yep. Yes.\n\n4, I think. Oh, $33,500. And then I've got those that I have to pay I have to pay 3,000 there. And then the I think it was a credit card. Oh, what was that I think called?\n\nZip. So I think Zip I think it's just about $2, I think, or 2 $33 as well. So, yeah, I've gone through all that stuff with the broker to refinance. So I would know off the top of my head that the Sunny Zip home and credit card in the house. Yep.\n\nAfter five minutes, they stopped there. Yep. Yep. So ZIP. Sorry.\n\nSo so ZIP. So ZIP credit card in the house. May I have to pay? I think it's finished now. Yeah.\n\nZIP credit card in the house. Sorry. What was that? Yeah. Yeah.\n\nYeah. Yep. No. No. And I don't think I wanna sell yet anyway.\n\nI don't know yet. Not too sure. Never thought that far. What's that about? Sorry?\n\nThat that can happen? Sorry. Sorry. There is that on your your phone. It's like it's hard.\n\nIt's it's like cutting out when you're speaking. So yeah. Sorry. You think so? If we keep talking, I'll let you know.\n\nYeah. Mhmm. Okay. You're cutting out again. Sorry.\n\nYou're cutting out again. Yeah. Yeah. If you keep talking or anything yeah. Yeah.\n\nNo. Okay. Okay. Yeah. Right.\n\nYeah. It's it's not a good idea. Alright. Okay. Okay.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nIt's okay. That's alright. Yep. Yep. Yeah.\n\nThat's okay. Yep. That's alright. Pickcoin. Oh, did you?\n\nYou did? Yep. Okay. That sounds good. Yeah.\n\nSorry. That'd be good if you can. Yep. Alright. What's that called again?\n\nSorry, Rosa. Okay. Okay. Okay. Thank you.\n\nYep. Thank you. Okay. Yep. Yeah.\n\nYep. Yep. That'd be that'd be good. Yep. Mhmm.\n\nOkay. Okay. And same time? Or yeah. That's okay.\n\nTwelve. Yep. Yep. Twelve thirty is right. Yeah.\n\nThat'd be good. Okay then. Yep. Okay. Thank you very much, Melissa.\n\nOkay. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.01777641288936138},{"text":"Louis speaking.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.02499672770500183},{"text":"Oh, yeah.","start":6.48,"end":7.2,"sentiment":"neutral","sentiment_score":0.30422744154930115},{"text":"Good.","start":7.2,"end":7.44,"sentiment":"positive","sentiment_score":0.5359870195388794},{"text":"Thanks, Larissa.","start":7.44,"end":8.34,"sentiment":"positive","sentiment_score":0.5911581516265869}],"sentiment":"neutral","sentiment_score":0.29931600927375257,"num_words":8,"start":1.4399999,"end":8.34},{"sentences":[{"text":"How are you?","start":8.48,"end":9.3,"sentiment":"positive","sentiment_score":0.36296964685122174},{"text":"That's good.","start":11.84,"end":12.74,"sentiment":"neutral","sentiment_score":0.16278838738799095},{"text":"That's okay.","start":13.84,"end":14.66,"sentiment":"neutral","sentiment_score":0.021196871995925903},{"text":"Oh, you okay?","start":18.215,"end":19.115,"sentiment":"neutral","sentiment_score":-0.015043846641977629},{"text":"That's good.","start":21.735,"end":22.635,"sentiment":"positive","sentiment_score":0.37492623925209045}],"sentiment":"neutral","sentiment_score":0.18013336649164557,"num_words":12,"start":8.48,"end":22.635},{"sentences":[{"text":"Yeah.","start":27.67,"end":28.17,"sentiment":"neutral","sentiment_score":0.10626444220542908},{"text":"Yeah.","start":39.83,"end":40.33,"sentiment":"neutral","sentiment_score":0.15617015957832336},{"text":"Well, that's good.","start":40.47,"end":41.53,"sentiment":"positive","sentiment_score":0.352122684319814},{"text":"Yeah.","start":44.885,"end":45.385,"sentiment":"neutral","sentiment_score":-0.027236666530370712},{"text":"Okay.","start":52.485,"end":52.985,"sentiment":"neutral","sentiment_score":0.018205847591161728}],"sentiment":"neutral","sentiment_score":0.18711026225771224,"num_words":7,"start":27.67,"end":52.985},{"sentences":[{"text":"Yep.","start":56.164997,"end":56.485,"sentiment":"neutral","sentiment_score":0.04391876608133316},{"text":"It's so we took our 04/06/2019 79 Webloop in Haines 6112.","start":56.485,"end":64.75,"sentiment":"neutral","sentiment_score":0.0425685816867785},{"text":"I'll do three point four five days.","start":76.415,"end":78.895,"sentiment":"neutral","sentiment_score":0.057380574622324536},{"text":"It's just telling you my best date of birth.","start":78.895,"end":80.655,"sentiment":"neutral","sentiment_score":0.05715797675980462},{"text":"Is that right?","start":80.655,"end":81.534996,"sentiment":"neutral","sentiment_score":0.059792296340068184}],"sentiment":"neutral","sentiment_score":0.051859221511310144,"num_words":31,"start":56.164997,"end":81.534996},{"sentences":[{"text":"Yeah.","start":81.534996,"end":81.935,"sentiment":"neutral","sentiment_score":0.0594450868666172},{"text":"I'll stick to that.","start":81.935,"end":82.915,"sentiment":"neutral","sentiment_score":0.06094557885080576},{"text":"Yeah.","start":83.055,"end":83.555,"sentiment":"neutral","sentiment_score":0.11732403188943864},{"text":"Yeah.","start":83.695,"end":84.195,"sentiment":"neutral","sentiment_score":0.1920824348926544},{"text":"Yeah.","start":107.575,"end":108.075,"sentiment":"neutral","sentiment_score":-0.05292723327875137}],"sentiment":"neutral","sentiment_score":0.06996332947164774,"num_words":8,"start":81.534996,"end":108.075},{"sentences":[{"text":"Sure.","start":119.39,"end":119.89,"sentiment":"neutral","sentiment_score":-0.07702618837356567},{"text":"Yeah.","start":122.67,"end":123.17,"sentiment":"neutral","sentiment_score":-0.03155574947595596},{"text":"Yeah.","start":125.95,"end":126.45,"sentiment":"neutral","sentiment_score":0.30726104974746704},{"text":"That'd be good.","start":126.59,"end":127.57,"sentiment":"positive","sentiment_score":0.4569057027498881},{"text":"So at the moment, there's I'm actually on leave.","start":128.715,"end":133.375,"sentiment":"neutral","sentiment_score":-0.09289525863197115}],"sentiment":"neutral","sentiment_score":0.04888925949732462,"num_words":15,"start":119.39,"end":133.375},{"sentences":[{"text":"I'm I'm being been off on leave for about two months because I'm looking after my mom who's in part of care.","start":134.875,"end":141.535,"sentiment":"neutral","sentiment_score":-0.0800100216134028},{"text":"So yes.","start":143.58,"end":144.3,"sentiment":"neutral","sentiment_score":0.04779481887817383},{"text":"Okay.","start":144.3,"end":144.7,"sentiment":"neutral","sentiment_score":0.03782371804118157},{"text":"So so I'm in Calgary at the moment.","start":144.7,"end":146.54001,"sentiment":"neutral","sentiment_score":0.038528955075889826},{"text":"So and I've got three months medical certificate covered me up until currently up to October, I think, twenty sixth.","start":146.54001,"end":156.56,"sentiment":"neutral","sentiment_score":-0.002661004522815347}],"sentiment":"neutral","sentiment_score":-0.025882935274462653,"num_words":53,"start":134.875,"end":156.56},{"sentences":[{"text":"And yeah.","start":157.36499,"end":158.00499,"sentiment":"neutral","sentiment_score":0.00608501210808754},{"text":"So it's, like, just coasting at the moment.","start":158.00499,"end":160.50499,"sentiment":"neutral","sentiment_score":0.07604198670014739},{"text":"So my role is still there at Perth Children's Hospital in Perth.","start":160.885,"end":164.345,"sentiment":"neutral","sentiment_score":0.04776603231827418},{"text":"I still live in Perth, but I'm just living in Calvary helping out and looking after mom twenty four seven, basically.","start":164.885,"end":171.06499,"sentiment":"neutral","sentiment_score":0.05382733233273029},{"text":"That's where I'm at at the moment.","start":171.99,"end":173.43001,"sentiment":"neutral","sentiment_score":0.014899417092757565}],"sentiment":"neutral","sentiment_score":0.04856736408546567,"num_words":50,"start":157.36499,"end":173.43001},{"sentences":[{"text":"Yes.","start":173.43001,"end":173.83,"sentiment":"neutral","sentiment_score":-0.01795641891658306},{"text":"I've been off since it's about what in August.","start":173.83,"end":177.43001,"sentiment":"neutral","sentiment_score":-0.16262488232718575},{"text":"I think it was June.","start":177.43001,"end":178.55,"sentiment":"neutral","sentiment_score":-0.1415253609418869},{"text":"Okay.","start":178.55,"end":179.05,"sentiment":"neutral","sentiment_score":-0.15680134296417236},{"text":"I've been off work since then.","start":179.51001,"end":181.29001,"sentiment":"neutral","sentiment_score":-0.23413538932800293}],"sentiment":"neutral","sentiment_score":-0.17049185652285814,"num_words":22,"start":173.43001,"end":181.29001},{"sentences":[{"text":"So I don't have any income at the moment, which is quite hard.","start":181.35,"end":184.97,"sentiment":"negative","sentiment_score":-0.4570334209845616},{"text":"I had to had to apply for financial hardship with Keystart at the moment, so they put a stop to my pay repayments for three months at the moment.","start":185.83,"end":199.345,"sentiment":"neutral","sentiment_score":-0.18096602759484587},{"text":"They're aware that I'm here with mom and returning back to work whenever I can.","start":199.965,"end":205.59999,"sentiment":"neutral","sentiment_score":-0.06436600238084793},{"text":"I think it's up to twelve months I can take, but at the moment, it's I mean, just started in June this year.","start":205.59999,"end":211.06,"sentiment":"neutral","sentiment_score":-0.09531033233455989},{"text":"So just basically coasting at the moment with mom.","start":212.48,"end":215.62,"sentiment":"neutral","sentiment_score":0.0492958782447709}],"sentiment":"neutral","sentiment_score":-0.15621813537364596,"num_words":89,"start":181.35,"end":215.62},{"sentences":[{"text":"I don't know whether I'll go back in in October or or I'm not too sure yet.","start":215.975,"end":222.715,"sentiment":"neutral","sentiment_score":-0.10716065019369125},{"text":"It's just better for to let input my employer know that they take take longer time off rather than saying given week by week sort of thing.","start":223.41501,"end":233.15001,"sentiment":"neutral","sentiment_score":-0.10928263653207708},{"text":"So we don't know how long mom mom has at the moment, but we've been told I don't think she'd be I don't think she might make it till Christmas, basically, I think.","start":233.53001,"end":245.05,"sentiment":"neutral","sentiment_score":-0.1291733788269939},{"text":"I'm I'm assuming.","start":245.05,"end":245.95001,"sentiment":"neutral","sentiment_score":-0.006876116230462988},{"text":"So she's on a positive care.","start":246.645,"end":248.245,"sentiment":"neutral","sentiment_score":0.31160439799229306}],"sentiment":"neutral","sentiment_score":-0.08355913606613095,"num_words":86,"start":215.975,"end":248.245},{"sentences":[{"text":"So it's positive care here at home.","start":248.245,"end":250.645,"sentiment":"positive","sentiment_score":0.7917166011674064},{"text":"So, like I said, it's only up till October so far.","start":250.645,"end":253.485,"sentiment":"neutral","sentiment_score":0.1320377215743065},{"text":"I've got my middle certificate full.","start":253.485,"end":255.205,"sentiment":"neutral","sentiment_score":0.15091182043155035},{"text":"So, like I said, no income been coming in at the moment.","start":255.205,"end":258.405,"sentiment":"neutral","sentiment_score":-0.2298405971378088},{"text":"I don't have any leaves.","start":258.405,"end":259.705,"sentiment":"neutral","sentiment_score":-0.2961148083209991}],"sentiment":"neutral","sentiment_score":0.08929855758097113,"num_words":41,"start":248.245,"end":259.705},{"sentences":[{"text":"So that's where I'm at at in this current situation.","start":260.25,"end":264.50998,"sentiment":"neutral","sentiment_score":-0.06750061586499215},{"text":"But prior to that, I've still been working full time at the children's hospital, yeah, up until June.","start":264.56998,"end":272.75,"sentiment":"neutral","sentiment_score":-0.01303549436852336},{"text":"That's where I'm at at the moment.","start":273.12997,"end":274.50998,"sentiment":"neutral","sentiment_score":-0.053788673664842336},{"text":"I was in the process of refinancing my house at two, but now I can't do that because I'm now from leave.","start":274.775,"end":280.475,"sentiment":"neutral","sentiment_score":-0.16338747096332637},{"text":"But, yeah, unexpected yeah.","start":280.775,"end":283.035,"sentiment":"neutral","sentiment_score":-0.32267923280596733}],"sentiment":"neutral","sentiment_score":-0.10117060762875882,"num_words":61,"start":260.25,"end":283.035},{"sentences":[{"text":"I mean, unexpectedly.","start":283.255,"end":284.075,"sentiment":"negative","sentiment_score":-0.34330948193868},{"text":"So that's like damping that for me.","start":284.61502,"end":288.295,"sentiment":"negative","sentiment_score":-0.5110120092119489},{"text":"I'll head it I'm trying to get out of key stock because it's so much interest.","start":288.295,"end":292.4,"sentiment":"neutral","sentiment_score":-0.3103798609226942},{"text":"It's not funny.","start":292.4,"end":293.12,"sentiment":"negative","sentiment_score":-0.3852621018886566},{"text":"You know what I mean?","start":293.12,"end":294.02,"sentiment":"neutral","sentiment_score":-0.2133170783519745}],"sentiment":"negative","sentiment_score":-0.34692535242613626,"num_words":34,"start":283.255,"end":294.02},{"sentences":[{"text":"And I just I wanna yeah.","start":295.36002,"end":297.30002,"sentiment":"neutral","sentiment_score":-0.05632946671297153},{"text":"Yeah.","start":297.52,"end":298.0,"sentiment":"neutral","sentiment_score":0.024961115792393684},{"text":"Yeah.","start":298.0,"end":298.4,"sentiment":"neutral","sentiment_score":0.03503663092851639},{"text":"And I'm interested about 7.6 only 8%, I think.","start":298.4,"end":302.58002,"sentiment":"neutral","sentiment_score":0.047378835578759514},{"text":"So I've been with them for nearly over, what, nine years.","start":303.785,"end":306.76498,"sentiment":"neutral","sentiment_score":0.06451669572429224}],"sentiment":"neutral","sentiment_score":0.030646932843540396,"num_words":28,"start":295.36002,"end":306.76498},{"sentences":[{"text":"So I was I was dealing with a mortgage broker.","start":307.065,"end":309.065,"sentiment":"neutral","sentiment_score":0.01886488776654005},{"text":"He was we're just about to get it done, and then, yeah, this happened from there.","start":309.065,"end":313.405,"sentiment":"neutral","sentiment_score":-0.022487244103103876},{"text":"I've gotta wait now to probably wait until I go back to work and work for about six months or so to get it all, you know, more stable again and then probably go for the refinancing the house.","start":313.54498,"end":331.555,"sentiment":"neutral","sentiment_score":-0.018357800654111765},{"text":"So that's where I'm up to at the moment.","start":331.695,"end":333.555,"sentiment":"neutral","sentiment_score":0.031739180700646505},{"text":"And I think when I spoke to you when I spoke to you last year, I think I mentioned that the income protection, I don't know where we're up to with that.","start":334.415,"end":342.115,"sentiment":"neutral","sentiment_score":-0.08767472766339779}],"sentiment":"neutral","sentiment_score":-0.03214188596620312,"num_words":106,"start":307.065,"end":342.115},{"sentences":[{"text":"And I know I know that was for myself being ill.","start":343.22,"end":347.3,"sentiment":"negative","sentiment_score":-0.33623912117697974},{"text":"Some understanding is that I wanted to know that that maybe up to you with that if it's still possible to try and get income protection and all that sort of stuff.","start":347.3,"end":356.305,"sentiment":"neutral","sentiment_score":-0.12069396045990288},{"text":"And also, I was I spoke to you when I did speak to you last, it was also questions about Bitcoin and where that was up to and if that's possible as well.","start":356.305,"end":365.525,"sentiment":"neutral","sentiment_score":0.05108475803651593},{"text":"I don't know.","start":365.825,"end":366.64502,"sentiment":"neutral","sentiment_score":-0.17193040251731873},{"text":"I don't know what what's your thoughts.","start":367.42502,"end":369.285,"sentiment":"neutral","sentiment_score":-0.21742152741977147}],"sentiment":"neutral","sentiment_score":-0.09200909246452325,"num_words":86,"start":343.22,"end":369.285},{"sentences":[{"text":"And then there's also an email I keep getting from I view in regards to some trades that's I'm not too sure what that's about.","start":369.84,"end":380.47998,"sentiment":"neutral","sentiment_score":-0.08247735982760787},{"text":"You can also explain that to me.","start":380.47998,"end":382.24,"sentiment":"neutral","sentiment_score":-0.004322822604860578},{"text":"I know I think you explained it to me before.","start":382.24,"end":383.795,"sentiment":"neutral","sentiment_score":-0.020350294932723046},{"text":"I can't remember what what it's about.","start":383.795,"end":385.575,"sentiment":"neutral","sentiment_score":-0.10971735950027194},{"text":"So I'm just wondering what what what's that all about as well?","start":386.115,"end":388.855,"sentiment":"neutral","sentiment_score":-0.03015216253697872}],"sentiment":"neutral","sentiment_score":-0.05615646180650983,"num_words":61,"start":369.84,"end":388.855},{"sentences":[{"text":"That's money going out to certain shares, I think.","start":388.915,"end":392.115,"sentiment":"neutral","sentiment_score":-0.008240538752741285},{"text":"Is that right?","start":392.115,"end":392.755,"sentiment":"neutral","sentiment_score":-0.002385577807823817},{"text":"Or what's going on there as well?","start":392.755,"end":395.255,"sentiment":"neutral","sentiment_score":0.00010365833129201616},{"text":"And I also changed over to Hub twenty four.","start":395.58,"end":397.82,"sentiment":"neutral","sentiment_score":0.016434609269102413},{"text":"Is that right?","start":397.82,"end":398.46,"sentiment":"neutral","sentiment_score":0.024802689750989277}],"sentiment":"neutral","sentiment_score":0.004571728348251312,"num_words":31,"start":388.915,"end":398.46},{"sentences":[{"text":"So I don't know that is it just better for me?","start":398.46,"end":401.41998,"sentiment":"neutral","sentiment_score":-0.14931231195276434},{"text":"I don't know.","start":401.41998,"end":402.16,"sentiment":"neutral","sentiment_score":-0.18397055069605509},{"text":"Yeah.","start":403.34,"end":403.84,"sentiment":"neutral","sentiment_score":-0.043542131781578064},{"text":"A lot of things happening at the 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Yep.","start":406.62,"end":416.885,"sentiment":"neutral","sentiment_score":0.12116671353578568},{"text":"Mhmm.","start":420.225,"end":420.69,"sentiment":"neutral","sentiment_score":0.01340397633612156},{"text":"Yes.","start":428.13,"end":428.61002,"sentiment":"neutral","sentiment_score":0.07164697349071503},{"text":"Yep.","start":428.61002,"end":429.11002,"sentiment":"neutral","sentiment_score":0.028793668374419212},{"text":"Yes.","start":432.77,"end":433.215,"sentiment":"neutral","sentiment_score":-0.03809497132897377}],"sentiment":"neutral","sentiment_score":0.0530138456573089,"num_words":6,"start":406.62,"end":433.215},{"sentences":[{"text":"Yep.","start":434.01498,"end":434.51498,"sentiment":"neutral","sentiment_score":-0.07333996891975403},{"text":"Yeah.","start":435.695,"end":435.935,"sentiment":"neutral","sentiment_score":-0.05881941691040993},{"text":"I'm 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so I'd share my my sister was caring for mom before I came.","start":453.03998,"end":459.3,"sentiment":"neutral","sentiment_score":-0.09584620488541466},{"text":"So she currently has the carer's payment, I believe.","start":460.63998,"end":465.555,"sentiment":"neutral","sentiment_score":-0.05424897248546282},{"text":"Now that we're talking with palliative care team, a social worker has asked us about that, and apparently we cannot get the carer's payment due to mom and mom's assets at the moment.","start":466.25497,"end":479.11002,"sentiment":"neutral","sentiment_score":-0.3095838852000959},{"text":"I think it's too high, whatever, I think.","start":479.11002,"end":481.53,"sentiment":"negative","sentiment_score":-0.6201371252536774},{"text":"I don't know if that's means tested, but it 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correct?","start":501.825,"end":502.70502,"sentiment":"neutral","sentiment_score":-0.09372920791308086}],"sentiment":"neutral","sentiment_score":-0.22693816998175212,"num_words":49,"start":485.67,"end":502.70502},{"sentences":[{"text":"Or and it's only about 100 and something in fortnight anyway.","start":502.70502,"end":505.845,"sentiment":"neutral","sentiment_score":-0.20008911869742654},{"text":"Yeah.","start":508.51,"end":509.01,"sentiment":"neutral","sentiment_score":-0.01952168345451355},{"text":"And the carers payment, like I said, we I think my sister tried to go for that before.","start":509.07,"end":513.65,"sentiment":"neutral","sentiment_score":-0.10094491309589809},{"text":"But, yeah, we couldn't do it because mom's assets at the moment, apparently.","start":515.79,"end":521.33,"sentiment":"negative","sentiment_score":-0.34502537433917707},{"text":"Because we lost dad about four years 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again?","start":1644.5,"end":1645.38,"sentiment":"neutral","sentiment_score":-0.01490267994813621}],"sentiment":"neutral","sentiment_score":0.0034981430866397344,"num_words":13,"start":1618.96,"end":1645.38},{"sentences":[{"text":"Sorry, Rosa.","start":1645.38,"end":1646.12,"sentiment":"neutral","sentiment_score":-0.0385945588350296},{"text":"Okay.","start":1654.515,"end":1655.015,"sentiment":"neutral","sentiment_score":-0.013206093572080135},{"text":"Okay.","start":1666.42,"end":1666.92,"sentiment":"neutral","sentiment_score":0.026831943541765213},{"text":"Okay.","start":1666.98,"end":1667.48,"sentiment":"neutral","sentiment_score":0.03455266356468201},{"text":"Thank you.","start":1672.18,"end":1672.98,"sentiment":"neutral","sentiment_score":0.23804248869419098}],"sentiment":"neutral","sentiment_score":0.06386776760752712,"num_words":7,"start":1645.38,"end":1672.98},{"sentences":[{"text":"Yep.","start":1672.98,"end":1673.48,"sentiment":"neutral","sentiment_score":0.19206255674362183},{"text":"Thank you.","start":1675.46,"end":1676.2001,"sentiment":"positive","sentiment_score":0.36630961298942566},{"text":"Okay.","start":1691.445,"end":1691.945,"sentiment":"neutral","sentiment_score":0.06235899403691292},{"text":"Yep.","start":1704.62,"end":1705.12,"sentiment":"neutral","sentiment_score":0.06314831972122192},{"text":"Yeah.","start":1705.58,"end":1705.98,"sentiment":"neutral","sentiment_score":0.07223668694496155}],"sentiment":"neutral","sentiment_score":0.1870709639042616,"num_words":6,"start":1672.98,"end":1705.98},{"sentences":[{"text":"Yep.","start":1705.98,"end":1706.48,"sentiment":"neutral","sentiment_score":0.0425003319978714},{"text":"Yep.","start":1711.8451,"end":1712.3451,"sentiment":"neutral","sentiment_score":0.3276521861553192},{"text":"That'd be that'd be good.","start":1716.245,"end":1717.685,"sentiment":"positive","sentiment_score":0.4512072801589966},{"text":"Yep.","start":1717.685,"end":1718.185,"sentiment":"neutral","sentiment_score":0.3288884162902832},{"text":"Mhmm.","start":1725.2051,"end":1725.66,"sentiment":"neutral","sentiment_score":0.17030885815620422}],"sentiment":"positive","sentiment_score":0.3472651325994068,"num_words":9,"start":1705.98,"end":1725.66},{"sentences":[{"text":"Okay.","start":1728.7001,"end":1729.1,"sentiment":"neutral","sentiment_score":0.071534663438797},{"text":"Okay.","start":1729.1,"end":1729.6,"sentiment":"neutral","sentiment_score":0.04538466781377792},{"text":"And same time?","start":1729.74,"end":1730.9401,"sentiment":"neutral","sentiment_score":0.023050593833128612},{"text":"Or yeah.","start":1730.9401,"end":1734.9401,"sentiment":"neutral","sentiment_score":0.039538608863949776},{"text":"That's okay.","start":1734.9401,"end":1735.6,"sentiment":"neutral","sentiment_score":0.03657375928014517}],"sentiment":"neutral","sentiment_score":0.03758842767112785,"num_words":9,"start":1728.7001,"end":1735.6},{"sentences":[{"text":"Twelve.","start":1736.06,"end":1736.4601,"sentiment":"neutral","sentiment_score":-0.009209133684635162},{"text":"Yep.","start":1736.4601,"end":1736.7001,"sentiment":"neutral","sentiment_score":0.03694401681423187},{"text":"Yep.","start":1736.7001,"end":1737.02,"sentiment":"neutral","sentiment_score":0.0639740377664566},{"text":"Twelve thirty is right.","start":1737.02,"end":1738.16,"sentiment":"neutral","sentiment_score":0.1694750115275383},{"text":"Yeah.","start":1738.2201,"end":1738.7201,"sentiment":"neutral","sentiment_score":0.13629944622516632}],"sentiment":"neutral","sentiment_score":0.1132385516539216,"num_words":8,"start":1736.06,"end":1738.7201},{"sentences":[{"text":"That'd be good.","start":1739.66,"end":1740.56,"sentiment":"neutral","sentiment_score":0.29971149067083996},{"text":"Okay then.","start":1740.7001,"end":1741.455,"sentiment":"neutral","sentiment_score":0.13325135409832},{"text":"Yep.","start":1742.815,"end":1743.315,"sentiment":"neutral","sentiment_score":0.1105506643652916},{"text":"Okay.","start":1743.455,"end":1743.955,"sentiment":"neutral","sentiment_score":0.2517685890197754},{"text":"Thank you very much, Melissa.","start":1744.335,"end":1745.7949,"sentiment":"positive","sentiment_score":0.5827530682086944}],"sentiment":"positive","sentiment_score":0.3701434812198083,"num_words":12,"start":1739.66,"end":1745.7949},{"sentences":[{"text":"Okay.","start":1748.495,"end":1748.8949,"sentiment":"neutral","sentiment_score":0.182905837893486},{"text":"Thank you.","start":1748.8949,"end":1749.635,"sentiment":"positive","sentiment_score":0.3463250398635864},{"text":"Bye.","start":1749.855,"end":1750.355,"sentiment":"neutral","sentiment_score":0.08655837178230286}],"sentiment":"neutral","sentiment_score":0.24052857235074043,"num_words":4,"start":1748.495,"end":1750.355}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Louis speaking.\n\nChannel 0: Hi, Louise. Larissa from. How are you doing?\n\nChannel 1: Oh, yeah. Good. Thanks, Larissa. How are you?\n\nChannel 0: Yeah. Not too bad. I'm so sorry\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: good.\n\nChannel 0: I missed you last week.\n\nChannel 1: That's okay.\n\nChannel 0: I had a had a bit of an accident, unfortunately.\n\nChannel 1: Oh, you okay?\n\nChannel 0: Yeah. No. I'm okay. My\n\nChannel 1: That's\n\nChannel 0: one\n\nChannel 1: good.\n\nChannel 0: my my younger sister had a had a baby at 31, and\n\nChannel 1: Yeah.\n\nChannel 0: yeah. And so I just was kinda running around after family and and just sort of helping that out and just took some time off to to try and try and get everything sorted and organized and about.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Well, that's good.\n\nChannel 0: yeah. Been a been a rough week, but,\n\nChannel 1: Yeah.\n\nChannel 0: anyway. Now before I jump into radio, obviously, I need to know that our calls are recorded. And if I could just\n\nChannel 1: Okay.\n\nChannel 0: get you guys address.\n\nChannel 1: Yep. It's so we took our 04/06/2019 79 Webloop in Haines 6112.\n\nChannel 0: Now not that we have, but do you wanna put a password on file with us so that way you don't have to go through three points security or you have to do three points of ID or\n\nChannel 1: I'll do three point four five days. It's just telling you my best date\n\nChannel 0: yep.\n\nChannel 1: of birth. Is that right? Yeah. I'll stick to that.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. That that's absolutely okay. Perfect. Alright. So, I guess, the point of point of about today's conversation is to kind of go through, have a bit of a conversation about where things fit for you now and also to touch base.\n\nBecause late last year, we were looking at IP. I did have a bunch of research, and then we we changed CRMs and, like, we changed our client database.\n\nChannel 1: Yeah.\n\nChannel 0: And, unfortunately, you and I never got back in contact with each other. So I wanted to basically, I guess, go and start a little bit from scratch,\n\nChannel 1: Sure.\n\nChannel 0: I guess, because everything's sort of a little bit out date, but,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, catch up with you and see how everything's going in your world.\n\nChannel 1: Yeah. That'd be good. So at the moment, there's I'm actually on leave.\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm being been off on leave for about two months because I'm looking after my mom who's in part of care.\n\nChannel 0: Oh, I'm sorry, darling.\n\nChannel 1: So yes. Okay. So so I'm in Calgary at the moment. So and I've got\n\nChannel 0: Yeah.\n\nChannel 1: three months medical certificate covered me up until currently up to October, I think, twenty sixth. And yeah. So\n\nChannel 0: Yep.\n\nChannel 1: it's, like, just coasting at the moment. So my role\n\nChannel 0: Yeah.\n\nChannel 1: is still there at Perth Children's Hospital in Perth. I still live\n\nChannel 0: Yeah.\n\nChannel 1: in Perth, but I'm just living in Calvary helping out and looking after mom twenty four seven, basically.\n\nChannel 0: Yeah.\n\nChannel 1: That's where\n\nChannel 0: Absolutely.\n\nChannel 1: I'm at at the moment. Yes. I've been off since it's about what in August. I think it was June. Okay.\n\nI've been off work since then.\n\nChannel 0: Okay.\n\nChannel 1: So I don't have any income at the moment, which is quite hard.\n\nChannel 0: Yeah.\n\nChannel 1: I had\n\nChannel 0: Yeah.\n\nChannel 1: to had to apply for financial hardship with Keystart at the moment, so they put a stop to my pay repayments for three months at the\n\nChannel 0: Yep.\n\nChannel 1: moment. They're aware that I'm here with mom and returning back to work whenever I can. I think it's up to twelve months I can take, but at the moment, it's I mean, just started in June this year.\n\nChannel 0: Yeah.\n\nChannel 1: So just basically coasting at the moment with mom. I don't know whether I'll go back in in October or or I'm not too sure yet. It's just better for to let input my employer know that they take take longer time off rather than saying given week by week sort of thing. So we don't know\n\nChannel 0: Yeah.\n\nChannel 1: how long mom mom has at the moment, but we've been told I don't think she'd be I don't think she might make it till Christmas, basically, I think. I'm I'm assuming.\n\nChannel 0: Yeah.\n\nChannel 1: So she's on a positive care. So it's positive care here at home. So, like I said, it's only up till October so far. I've got my middle certificate full. So, like I said, no income been coming in at the moment.\n\nI don't have any leaves. So\n\nChannel 0: Yep.\n\nChannel 1: that's where I'm at at in this current situation. But prior to that, I've still been working full time at the children's hospital, yeah, up until June. That's where I'm at at the moment.\n\nChannel 0: Okay.\n\nChannel 1: I was in the process of refinancing my house at two, but now I can't do that because I'm now from leave. But, yeah, unexpected\n\nChannel 0: I'm lazy.\n\nChannel 1: yeah. I mean, unexpectedly. So that's like damping that for me. I'll head it I'm trying to get out of key stock because it's so much interest. It's not funny.\n\nYou know what I mean?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And I\n\nChannel 0: We're\n\nChannel 1: just\n\nChannel 0: trying to\n\nChannel 1: I\n\nChannel 0: refinance\n\nChannel 1: wanna\n\nChannel 0: and\n\nChannel 1: yeah.\n\nChannel 0: pull that in.\n\nChannel 1: Yeah. Yeah. And I'm interested about 7.6 only 8%, I think. So\n\nChannel 0: Yeah.\n\nChannel 1: I've been with them for nearly over, what, nine years. So I was I was dealing with a mortgage broker. He was we're just about to get it done, and then, yeah, this happened from there. I've gotta wait now to probably wait until I go back to work and work for about six months or so to get it all, you know, more stable again and then probably go for the refinancing the house. So that's\n\nChannel 0: Yeah.\n\nChannel 1: where I'm up to at the moment. And\n\nChannel 0: Okay.\n\nChannel 1: I think when I\n\nChannel 0: Alright.\n\nChannel 1: spoke to you when I spoke to you last year, I think I mentioned that the income protection, I don't know where we're up to with that.\n\nChannel 0: Yeah.\n\nChannel 1: And I know I know that was for myself being ill. Some understanding is that I wanted to know that that maybe up to you with that if it's still possible to try and get income protection and all that sort of stuff. And also, I was I spoke to you when I did speak to you last, it was also questions about Bitcoin and where that was up to and if that's possible as well. I don't know.\n\nChannel 0: Yep.\n\nChannel 1: I don't know what what's your thoughts. And then there's also an email I keep getting from I view in regards to some trades\n\nChannel 0: Yep.\n\nChannel 1: that's I'm not too sure what that's about. You can also explain that to me. I know I think you explained it to me before. I can't remember what what it's about. So I'm just wondering what what what's that all about as well?\n\nThat's money going out to certain shares, I think. Is that right? Or what's going on\n\nChannel 0: Yes.\n\nChannel 1: there as\n\nChannel 0: Yeah. It\n\nChannel 1: well?\n\nChannel 0: is.\n\nChannel 1: And I also\n\nChannel 0: Yeah.\n\nChannel 1: changed over to Hub twenty four. Is that right? So I don't know that is it just better for me? I don't know. Yeah.\n\nA lot of things happening\n\nChannel 0: No.\n\nChannel 1: at the\n\nChannel 0: That's\n\nChannel 1: moment.\n\nChannel 0: okay.\n\nChannel 1: Yeah. So\n\nChannel 0: No worries. That's okay, my darling. I can definitely explain that all. So let's start with I'll I'll take my know where everything's at\n\nChannel 1: Yep.\n\nChannel 0: and make sure that I have all the records straight.\n\nChannel 1: Mhmm.\n\nChannel 0: So occupation wise, we're still with the same employer,\n\nChannel 1: Yes.\n\nChannel 0: and our\n\nChannel 1: Yep.\n\nChannel 0: wages are gonna be that 101,000 when we go back to work. We're just on\n\nChannel 1: Yes.\n\nChannel 0: unpaid\n\nChannel 1: Yep.\n\nChannel 0: leave at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I'm tired. Yep.\n\nChannel 0: And yeah. And we'll be going back\n\nChannel 1: Yes.\n\nChannel 0: in the next two months once\n\nChannel 1: Yeah. Yep.\n\nChannel 0: everything's covered there. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Have you been if it's applied for Centrelink, like carers allowance, carers\n\nChannel 1: No.\n\nChannel 0: pension?\n\nChannel 1: No. Apparently so I'd share my my sister was caring for mom before I came. So she currently has the carer's payment, I believe. Now that we're talking with palliative care team, a social worker has asked us about that, and apparently we cannot get the carer's payment due to mom and mom's assets at the moment. I think it's too high, whatever, I think.\n\nI don't know\n\nChannel 0: Yep.\n\nChannel 1: if that's means tested, but it yeah. So my sister couldn't get that. She's only getting that carers payment or allowance, whatever it was. And then I was told from my the other sister that three carers can claim for the carers allowance. I don't know if if you know anything about that.\n\nIs that correct? Or and it's only about 100 and something in fortnight anyway.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. And the carers payment, like I said, we I think my sister tried to go for that before. But, yeah, we couldn't do it because mom's assets at the moment, apparently. Because we lost dad about four years ago. So between mom and dad's assets, we can't, yeah, do anything there, which is a shame because I'm I'm I'm mom's enduring pair of guardianship guardian.\n\nSo, yeah,\n\nChannel 0: Yep.\n\nChannel 1: it's just a bit hard not having any income at this time. And my mortgage, when I do return back to work, I have to catch up with the repayments and pay\n\nChannel 0: Yeah.\n\nChannel 1: higher repayments to catch up. You know what I mean? So that's gonna be a bit of a take of the toll on me as well. So I might have to look at a second job again. I do have a second contract with East Metro Health Service.\n\nThat's I had that, I think, when I was talking to you last. That was a weekend work, but I'm I haven't there's no work anymore. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, some I'm just gonna my my main income is child health and that'll yeah. Child health benefits. So health service. So it's a bit\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Very tight with I don't know how I'm going to return back to it. I'll have to look in a sec my second job, basically, to make things to\n\nChannel 0: Yeah.\n\nChannel 1: make\n\nChannel 0: Okay.\n\nChannel 1: to catch up with my key start payment and then\n\nChannel 0: Okay.\n\nChannel 1: hopefully get out refinance. Yeah. And then\n\nChannel 0: Alright. Okay.\n\nChannel 1: then Keith\n\nChannel 0: So\n\nChannel 1: started\n\nChannel 0: mhmm.\n\nChannel 1: to mention, sorry, that maybe selling. I\n\nChannel 0: No.\n\nChannel 1: don't\n\nChannel 0: No.\n\nChannel 1: know.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: Goodbye.\n\nChannel 1: don't know. Yeah. I think Keith start mentioned you sell if if I have to. I'm I'm just so they don't have any shares in it, so I don't really wanna sell. So I'm gonna I'm gonna spoke to the mortgage broker.\n\nShe did say not to sell because it might be harder for me to get back in the market if I did that to\n\nChannel 0: Yep.\n\nChannel 1: do that. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm trying to hold on to my house as much as I can, basically.\n\nChannel 0: Yeah. Okay. So let's let's go through the couple of things.\n\nChannel 1: Yeah.\n\nChannel 0: So let's talk about income right now. There are carers' payment and carers' allowance.\n\nChannel 1: Right.\n\nChannel 0: Two or more carers can claim the carer's payment for the same\n\nChannel 1: Okay.\n\nChannel 0: person.\n\nChannel 1: Okay. Is that\n\nChannel 0: Carer's\n\nChannel 1: Care's payment\n\nChannel 0: allowance,\n\nChannel 1: you say?\n\nChannel 0: that's carer's payment. Correct.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Carer's payment, there is there is a means test that applies to the carer and their partner\n\nChannel 1: Okay.\n\nChannel 0: and another applying to the person receiving care. So it means that for mom, depending on what she has in assets, it could affect her. Do you know what assets\n\nChannel 1: Okay.\n\nChannel 0: mom has?\n\nChannel 1: Yeah. She's she's got property and super well, I think dad's super. So yeah.\n\nChannel 0: Do\n\nChannel 1: Yeah.\n\nChannel 0: you you know how much is there in\n\nChannel 1: Not at at\n\nChannel 0: that?\n\nChannel 1: the moment, but I can get those figures. But my other brother, he's the power of attorney, and he has all those figures. But yeah.\n\nChannel 0: Okay.\n\nChannel 1: But but, yeah, we don't I I know there is a bit there, but yeah. And then when mom\n\nChannel 0: K.\n\nChannel 1: does her stuff, I think we're gonna look at on this property, and then we're gonna divide it up with our siblings as well.\n\nChannel 0: And so I found that there's four of you?\n\nChannel 1: No. There's\n\nChannel 0: Four\n\nChannel 1: six\n\nChannel 0: siblings?\n\nChannel 1: six of\n\nChannel 0: Oh,\n\nChannel 1: us.\n\nChannel 0: six.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Sorry. I was counting the number of siblings that you were talking about as you were talking about them. I missed a couple.\n\nChannel 1: yeah. Sorry. I yeah. I didn't\n\nChannel 0: Okay.\n\nChannel 1: mention my\n\nChannel 0: So\n\nChannel 1: brothers.\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: That's been it. There's three brothers. There's three three brothers with three girls. Three daughters. Yeah.\n\nOne's got three brothers.\n\nChannel 0: Okay.\n\nChannel 1: Three sons and three daughters. Yeah. Bit of a\n\nChannel 0: Perfect.\n\nChannel 1: crowd.\n\nChannel 0: Three\n\nChannel 1: Yeah.\n\nChannel 0: and three.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's okay. I I'm one of four, I guess. I love a good big family.\n\nChannel 1: Yeah.\n\nChannel 0: Now with the carer's payment sorry. With the carer's allowance, it's not means tested.\n\nChannel 1: Mhmm. Because the\n\nChannel 0: So\n\nChannel 1: allowance\n\nChannel 0: the carer's\n\nChannel 1: is\n\nChannel 0: allowance\n\nChannel 1: not\n\nChannel 0: is about a $140.40 dollars a fortnight. It's not\n\nChannel 1: Okay.\n\nChannel 0: a lot, but at least\n\nChannel 1: Right.\n\nChannel 0: it's it's something. Like, that's\n\nChannel 1: Yeah.\n\nChannel 0: that's the point. Is it something?\n\nChannel 1: Right.\n\nChannel 0: There is a possibility that that could be divided between people that are caring for. So if there's, like, two carers that are caring for, that can be divided between.\n\nChannel 1: Okay.\n\nChannel 0: So by the time that there are two two people caring for mom?\n\nChannel 1: Yeah. So it's me and my older sister.\n\nChannel 0: Okay.\n\nChannel 1: Yes. She she had that payment\n\nChannel 0: And\n\nChannel 1: before\n\nChannel 0: and\n\nChannel 1: I came back.\n\nChannel 0: theoretically, like, theoretically speaking, she got that payment. It should be split between the two of you now because you've been\n\nChannel 1: Okeydokey.\n\nChannel 0: up there caring\n\nChannel 1: Okay.\n\nChannel 0: for mom.\n\nChannel 1: Okay.\n\nChannel 0: So the application should be changed to make sure that it's split between the two of you because otherwise it's an unfair outcome. You're\n\nChannel 1: Sure.\n\nChannel 0: all you've also moved away from your home to care\n\nChannel 1: Yeah.\n\nChannel 0: for mom.\n\nChannel 1: Yep.\n\nChannel 0: So it's conversation, obviously, that has to happen between you guys to talk about\n\nChannel 1: Okay.\n\nChannel 0: so that way you don't lose house because the\n\nChannel 1: Yeah.\n\nChannel 0: the lender is correct that, theoretically speaking, if you can't make the payments, you could lose the house. And it's not a matter of selling the house. It's a matter of the bank repossessing the house\n\nChannel 1: You're\n\nChannel 0: and\n\nChannel 1: right.\n\nChannel 0: then\n\nChannel 1: Okay.\n\nChannel 0: selling it out from underneath you to pay for the mortgage. Now granted, unlikely that they're gonna do it, and if you're open with them and say, hey. There's this estate over here. I'm a beneficiary. Here's the will.\n\nI'm about to get money. I'm gonna\n\nChannel 1: Okay.\n\nChannel 0: be able to catch up. We're all good. They may be more willing to work with you.\n\nChannel 1: Yeah.\n\nChannel 0: But I guess do you I I hate I hate talking about this, I guess, because it is mom's still alive.\n\nChannel 1: Okay.\n\nChannel 0: But,\n\nChannel 1: Yeah.\n\nChannel 0: realistically\n\nChannel 1: Right. Yeah.\n\nChannel 0: speaking, she's palliative. It's not\n\nChannel 1: Yeah.\n\nChannel 0: if, but when. Do you know what the estate do you know roughly how the estate's worth, like, how much the house is\n\nChannel 1: Yeah.\n\nChannel 0: worth and what the assets roughly overall would be worth?\n\nChannel 1: $7.50 for the property. And then I think probably going back to mill maybe, I think.\n\nChannel 0: Email total?\n\nChannel 1: Yeah. So about that. Yeah. I think. Roughly.\n\nChannel 0: Okay. Yep. So if that's gonna be divided by 23, we're looking at 300 300,000.\n\nChannel 1: Divided by divided\n\nChannel 0: Now\n\nChannel 1: by six.\n\nChannel 0: but yeah. Divided by six. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: Yes. So two divided by six, we're looking about 300,000 each. Now there's\n\nChannel 1: Yep.\n\nChannel 0: a couple of things that, I guess, extra information wise, it could be taken into consideration.\n\nChannel 1: Mhmm.\n\nChannel 0: One of those things is that the money is in super for for the estate. So the money that's sitting inside the super funds under your\n\nChannel 1: Mhmm.\n\nChannel 0: mom's and dad's name, that money, if it's paid to you guys, is actually gonna be taxed quite a bit. If\n\nChannel 1: Okay.\n\nChannel 0: I go through in like, if mom I'm assuming mom's over over 65.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Didn't want to assume. Maybe she adopted you. So you guys could you you could pull the money out and put it in mom's bank account. So that way, there's no tax that's gonna be paid. And that's a conversation that whoever has financial power of attorney\n\nChannel 1: Yep.\n\nChannel 0: needs to fully look at. And I'd be happy to have a conversation with whoever it is that has financial power of attorney just to talk about, like, I guess, the taxes and just kind of give a bit of information to them\n\nChannel 1: Okay.\n\nChannel 0: to sort of, I guess, to start thinking about things. Because realistically speaking, if there's a million dollars, and there's, like, a million dollars sitting in a super fund, it's it's 17% tax on money that's paid to a non financial dependent, which you guys are all older old enough. You know, you're over 18. You will make your own you have your own houses. You're you're not you're not financially\n\nChannel 1: Yeah.\n\nChannel 0: dependent. You're adults. And 15% of a million million dollars is in a small slice of the pie. Looking at a 150,000 that the the estate has to pay in tax. It's a $150,000 that you guys aren't\n\nChannel 1: Yep.\n\nChannel 0: splitting.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So it's, like, $25,000 each that you guys have to pay in\n\nChannel 1: Yeah.\n\nChannel 0: So it's just it's so we're just prethinking some of those things while mom's alive,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: seeing the finances in order now\n\nChannel 1: Yep.\n\nChannel 0: because the Superfund is the one that's gonna hit you guys when it comes to, you know, like, paying, like, paying\n\nChannel 1: Yep.\n\nChannel 0: taxes just because of\n\nChannel 1: Yep.\n\nChannel 0: the the taxes that it is. Where mom\n\nChannel 1: Yeah.\n\nChannel 0: right now won't pay any tax because she's old enough to not have to pay tax, and she's it's her money. But when it gets\n\nChannel 1: Okay.\n\nChannel 0: paid to you guys, because it's not your money, it's seen as a benefit. It there's it's just different tax. So if\n\nChannel 1: Okay.\n\nChannel 0: we take that money out now, which is live, put in a bank account, and then the estate deals with transferring the money around, it's it's way better from a tax perspective. There's\n\nChannel 1: Okay.\n\nChannel 0: a few more things to consider on that on that side of things, but it's something to consider. Now I can send you an email that kinda just gives you a few outline things considering\n\nChannel 1: Yeah.\n\nChannel 0: talk\n\nChannel 1: That'd be\n\nChannel 0: to\n\nChannel 1: good.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: fine like, the financial power of attorney just\n\nChannel 1: Yes.\n\nChannel 0: to sort\n\nChannel 1: Yep.\n\nChannel 0: of look at doing a claim and just pull the money out into mom's bank account. Just keep\n\nChannel 1: Yeah.\n\nChannel 0: it there in cash, and then the estate the will can take care of it and split it everywhere. Now carers allowance is something that you would need to talk to your sister about, seeing if you guys can split it and helping you out there. With with the bank, how much do you owe? Because your house your house is worth sort of maybe 700,000.\n\nChannel 1: No.\n\nChannel 0: Is that still\n\nChannel 1: Yeah. It's\n\nChannel 0: correct?\n\nChannel 1: going up now. It's about well, value coming out about so it's not up to 990 or something. My\n\nChannel 0: My\n\nChannel 1: house\n\nChannel 0: word.\n\nChannel 1: is\n\nChannel 0: I love. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. I'm just looking now. Sort of, yeah, sitting around that $9,509.09\n\nChannel 1: Yeah. Yep.\n\nChannel 0: 106,000. Okay. And do you know how much you roughly owe on it?\n\nChannel 1: Yeah. 480, I think. Or 450.\n\nChannel 0: $4.50? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So we've got some decent equity in it. Everything's sitting pretty well there. And we've still got\n\nChannel 1: Yep.\n\nChannel 0: the two cards?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. And the credit card?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And anything owing on the quick card?\n\nChannel 1: 4, I think. Oh, $33,500. And then I've got those that I have to pay I have to pay 3,000 there. And then the I think it was a credit\n\nChannel 0: Like\n\nChannel 1: card.\n\nChannel 0: Wallet Wizard or\n\nChannel 1: Oh, what was that I think called? Zip. So I think Zip\n\nChannel 0: Zip\n\nChannel 1: I think\n\nChannel 0: Pay. Yep.\n\nChannel 1: it's just about $2, I think, or 2 $33 as well. So, yeah, I've gone through all that stuff\n\nChannel 0: Yep.\n\nChannel 1: with the broker to refinance. So I would know\n\nChannel 0: Yep.\n\nChannel 1: off the top of my head that the Sunny Zip home and credit card in the house.\n\nChannel 0: Okay. So Zip credit card, how?\n\nChannel 1: Yep.\n\nChannel 0: Afterpay as well or no Afterpay?\n\nChannel 1: After five minutes, they stopped there.\n\nChannel 0: As well. Okay. Okay.\n\nChannel 1: Yep.\n\nChannel 0: So we've got basically 500 across the credit card, the Afterpay, the Zippay, plus the house on top of that.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: So ZIP. Sorry. So\n\nChannel 0: Alright.\n\nChannel 1: so ZIP. So ZIP credit card\n\nChannel 0: That's\n\nChannel 1: in the house. May I have to pay? I think it's finished\n\nChannel 0: okay.\n\nChannel 1: now. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: ZIP credit card in the house.\n\nChannel 0: Alright. Perfect. Okay. So, obviously\n\nChannel 1: Sorry. What was that?\n\nChannel 0: I I completely understand. But\n\nChannel 1: Yeah.\n\nChannel 0: when mom passes, the money comes in. It allows you to close those things out, and we are\n\nChannel 1: Yeah.\n\nChannel 0: able to look\n\nChannel 1: Yeah.\n\nChannel 0: at doing a few things with paying down a mortgage and and how to best best get that positioned.\n\nChannel 1: Yep.\n\nChannel 0: Now, like, obviously, selling the house is gonna take time, so that's not gonna happen immediately. It'll\n\nChannel 1: No.\n\nChannel 0: No\n\nChannel 1: No. And I don't think I wanna sell yet anyway. I don't know yet. Not too sure. Never thought that\n\nChannel 0: one's no one's gonna contest the bill.\n\nChannel 1: far. What's that about? Sorry?\n\nChannel 0: Now want oh,\n\nChannel 1: That\n\nChannel 0: like,\n\nChannel 1: that\n\nChannel 0: if\n\nChannel 1: can happen?\n\nChannel 0: Yeah. So if I'm sure I'm on how to win. Yes.\n\nChannel 1: Sorry. Sorry. There is that on your your phone. It's like it's hard. It's it's like cutting out when you're speaking.\n\nSo\n\nChannel 0: Oh, and what? Sorry.\n\nChannel 1: yeah. Sorry. You think so? If we keep talking, I'll let\n\nChannel 0: Okay.\n\nChannel 1: you know. Yeah.\n\nChannel 0: So so what can happen is what can happen is once one passes with the\n\nChannel 1: Mhmm.\n\nChannel 0: estate settling and the will taking power of of deducting assets, if someone is unsatisfied with the will as a document and the outcome it's that fits, like, the decisions that are being made, they could contest the will. So basically argue against it, which could result in it taking longer for the estate to settle.\n\nChannel 1: Okay.\n\nChannel 0: So if all six of you were on the same page and it's just gonna go through nice and easily, then that's not really too much of an issue. But if it's going to take like, if someone can test the will, it might take longer. It takes longer.\n\nChannel 1: You're cutting\n\nChannel 0: Okay.\n\nChannel 1: out again. Sorry. You're cutting out again. Yeah.\n\nChannel 0: Really? Yep.\n\nChannel 1: Yeah. If you keep talking or anything\n\nChannel 0: Okay.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: So yeah. So\n\nChannel 1: No.\n\nChannel 0: if if all six of you are not on the same page and some can ask the will, that's where things might get a little bit strange, might take\n\nChannel 1: Okay.\n\nChannel 0: a little bit longer, so to speak. Now regarding, I guess, the insurance side of things, we can definitely go ahead with the insurance. We can still go ahead with the ins like, the IP insurance even though you're on leave at the moment\n\nChannel 1: Okay.\n\nChannel 0: because you still have a contract. You have a contract to go back to. You're just on unpaid leave for a short period of time, so that's that's fine. But the issue we have is that we were talking about paying for it out of your personal pocket, which we don't\n\nChannel 1: Yeah.\n\nChannel 0: currently have the need to be able to pay for.\n\nChannel 1: Right.\n\nChannel 0: So there's a couple of options we have. We could look at paying for it from your super fund, but that's gonna put a lien on your super fund. Or we kind of hold and possibly hold for maybe six months, wait to see what happens with mom\n\nChannel 1: Yeah.\n\nChannel 0: and the estate, and then we can kind of have a bit more of a conversation about where do we go with the money from the estate, how do we best target, like, growth for you. Because, obviously, paying down the debts is a massive thing, and it's it's where people go to first. People go, cool. I have the debt. I have this money.\n\nI'm gonna pay the debt off. It's not always the best avenue that we can take. There's other avenues that are available to us that are gonna end up being more financially beneficial. There's a degree that paying down the, you know, 9.5 to $10 in credit loans isn't a isn't a good idea,\n\nChannel 1: It's\n\nChannel 0: but\n\nChannel 1: it's\n\nChannel 0: capital\n\nChannel 1: not a good\n\nChannel 0: the money\n\nChannel 1: idea.\n\nChannel 0: on the mortgage\n\nChannel 1: Alright.\n\nChannel 0: you know, it is. It is a good idea.\n\nChannel 1: Okay.\n\nChannel 0: But the mortgage paying that off in one lump sum might not actually be the best avenue. There might be other avenues that we can look at depending on what we wanna achieve and then, obviously, depending on how much money you get as well. Again, I know it sounds insensitive. So I think\n\nChannel 1: Okay. Yeah.\n\nChannel 0: the insurance and and figuring out what we're gonna do with the money needs to go on hold until we know how much money we're gonna have. And what I'll do is I will have it in my calendar that I'm gonna contact you every three months and\n\nChannel 1: Okay.\n\nChannel 0: touch base with you on those so\n\nChannel 1: Yeah.\n\nChannel 0: we can talk about and just touch base. Just a funny voice to find out how you're going and check-in on you. Because\n\nChannel 1: Yeah.\n\nChannel 0: I know that losing our mom no matter how old we are, it hurts. And I'm sorry, darling.\n\nChannel 1: Yeah. It's okay. That's alright.\n\nChannel 0: Yeah. Now I guess with with respect to everything else, I do wanna do some changes to your super funds. Probably the biggest thing I wanna\n\nChannel 1: Yep.\n\nChannel 0: do first and foremost because there's just a couple of assets that I really wanna change around.\n\nChannel 1: Yep.\n\nChannel 0: But otherwise, is there is there anything specific that you want to look into as well aside from the insurance side of things? Because we we have to put that on hold. Like, I\n\nChannel 1: Yeah.\n\nChannel 0: just I can't, in good faith, go\n\nChannel 1: That's\n\nChannel 0: and undertake\n\nChannel 1: okay.\n\nChannel 0: that. Your super fund can't support it, and you can't cash flow support it.\n\nChannel 1: Yep. That's alright.\n\nChannel 0: Is there anything else that you wanna look into?\n\nChannel 1: Pickcoin.\n\nChannel 0: Bitcoin. I sent you an email back a few\n\nChannel 1: Oh,\n\nChannel 0: months\n\nChannel 1: did\n\nChannel 0: ago\n\nChannel 1: you?\n\nChannel 0: about,\n\nChannel 1: You did?\n\nChannel 0: yep,\n\nChannel 1: Yep.\n\nChannel 0: about back when we spoke with you in last year\n\nChannel 1: Okay.\n\nChannel 0: about available\n\nChannel 1: That sounds good.\n\nChannel 0: funds in I can send it to you again. I can forward it to\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Sorry. That'd be good if you can. Yep.\n\nChannel 0: No. Of course. Of course. Yeah. Because inside your hub twenty four fund, there is no there's no Bitcoin that you can actually buy, but there are Bitcoin adjacent assets\n\nChannel 1: Alright.\n\nChannel 0: that basically, they they are the they are the companies that build the software that Bitcoin is mined on.\n\nChannel 1: What's that called again? Sorry,\n\nChannel 0: So\n\nChannel 1: Rosa.\n\nChannel 0: so they are the companies that build the software to mine Bitcoin.\n\nChannel 1: Okay.\n\nChannel 0: It's not Bitcoin specific. It's it's shares in companies that build software specific for, like, Bitcoin and stuff like that.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So that's that's an avenue that that we can look at. I'll re I'll resend that\n\nChannel 1: Thank you. Yep.\n\nChannel 0: that email to you so you can have a look at it.\n\nChannel 1: Thank you.\n\nChannel 0: And if you wanna go ahead, I can look at incorporating that into the investment in your super funds. Okay. What I'll do is I wanna I'm gonna do do a bit of research and have a look at how we can change your investments around.\n\nChannel 1: Okay.\n\nChannel 0: Now that I sort of hold, I guess, a bit more of a scope as to where we're sitting at the moment position wise and where we can actually head and what we can do, I can go ahead and get that research happening and reach out to you\n\nChannel 1: Yep.\n\nChannel 0: in a week.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And I can literally call you next Thursday to same time and\n\nChannel 1: Yep.\n\nChannel 0: go through and and explain the research and and just touch base with you then as well.\n\nChannel 1: That'd\n\nChannel 0: Okay?\n\nChannel 1: be that'd be good. Yep.\n\nChannel 0: Okay. Perfect. Well, I'll get cracking and start getting research happening. I'll forward this email to you,\n\nChannel 1: Mhmm.\n\nChannel 0: and we will talk in a week, a week today.\n\nChannel 1: Okay. Okay. And\n\nChannel 0: Okay.\n\nChannel 1: same time?\n\nChannel 0: Alright.\n\nChannel 1: Or\n\nChannel 0: Yeah. Same time if if same time works for you, if\n\nChannel 1: yeah.\n\nChannel 0: same\n\nChannel 1: That's\n\nChannel 0: time\n\nChannel 1: okay.\n\nChannel 0: doesn't work for you, you let me\n\nChannel 1: Twelve.\n\nChannel 0: know.\n\nChannel 1: Yep.\n\nChannel 0: Yeah?\n\nChannel 1: Yep.\n\nChannel 0: Alright.\n\nChannel 1: Twelve\n\nChannel 0: Perfect.\n\nChannel 1: thirty is right. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That'd\n\nChannel 0: Alright.\n\nChannel 1: be good.\n\nChannel 0: Perfect. Well,\n\nChannel 1: Okay\n\nChannel 0: I\n\nChannel 1: then.\n\nChannel 0: will I'll call you I'll call you\n\nChannel 1: Yep.\n\nChannel 0: then.\n\nChannel 1: Okay. Thank you very much, Melissa.\n\nChannel 0: That's okay, Louise. We'll speak then.\n\nChannel 1: Okay. Thank\n\nChannel 0: Bye,\n\nChannel 1: you.\n\nChannel 0: Tully.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.01777641288936138},{"text":"Louis speaking.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.02499672770500183}],"sentiment":"neutral","sentiment_score":0.02258995609978835,"channel":1,"num_words":3,"start":1.4399999,"end":2.74},{"sentences":[{"text":"Hi, Louise.","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.16795605421066284},{"text":"Larissa from.","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.19008733332157135},{"text":"How are you doing?","start":5.8399997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2637786716222763}],"sentiment":"neutral","sentiment_score":0.2214001826941967,"channel":0,"num_words":8,"start":3.36,"end":6.8199997},{"sentences":[{"text":"Oh, yeah.","start":6.48,"end":7.2,"sentiment":"neutral","sentiment_score":0.30422744154930115},{"text":"Good.","start":7.2,"end":7.44,"sentiment":"positive","sentiment_score":0.5359870195388794},{"text":"Thanks, Larissa.","start":7.44,"end":8.34,"sentiment":"positive","sentiment_score":0.5911581516265869},{"text":"How are you?","start":8.48,"end":9.3,"sentiment":"positive","sentiment_score":0.36296964685122174}],"sentiment":"positive","sentiment_score":0.4269583933055401,"channel":1,"num_words":8,"start":6.48,"end":9.3},{"sentences":[{"text":"Yeah.","start":10.24,"end":10.719999,"sentiment":"neutral","sentiment_score":0.12239418923854828},{"text":"Not too bad.","start":10.719999,"end":11.44,"sentiment":"neutral","sentiment_score":0.0970386415719986},{"text":"I'm so sorry","start":11.44,"end":12.08,"sentiment":"neutral","sentiment_score":-0.024035591205271583}],"sentiment":"neutral","sentiment_score":0.048771905762675614,"channel":0,"num_words":7,"start":10.24,"end":12.08},{"sentences":[{"text":"That's","start":11.84,"end":12.24,"sentiment":"neutral","sentiment_score":0.11346157640218736}],"sentiment":"neutral","sentiment_score":0.11346157640218736,"channel":1,"num_words":1,"start":11.84,"end":12.24},{"sentences":[{"text":"that","start":12.08,"end":12.24,"sentiment":"neutral","sentiment_score":0.17813065648078918}],"sentiment":"neutral","sentiment_score":0.17813065648078918,"channel":0,"num_words":1,"start":12.08,"end":12.24},{"sentences":[{"text":"good.","start":12.24,"end":12.74,"sentiment":"neutral","sentiment_score":0.21211519837379456}],"sentiment":"neutral","sentiment_score":0.21211519837379456,"channel":1,"num_words":1,"start":12.24,"end":12.74},{"sentences":[{"text":"I missed you last week.","start":12.24,"end":13.7,"sentiment":"neutral","sentiment_score":0.05325792133808136}],"sentiment":"neutral","sentiment_score":0.05325792133808136,"channel":0,"num_words":5,"start":12.24,"end":13.7},{"sentences":[{"text":"That's okay.","start":13.84,"end":14.66,"sentiment":"neutral","sentiment_score":0.021196871995925903}],"sentiment":"neutral","sentiment_score":0.021196871995925903,"channel":1,"num_words":2,"start":13.84,"end":14.66},{"sentences":[{"text":"I had a had a bit of an accident, unfortunately.","start":14.575001,"end":17.155,"sentiment":"neutral","sentiment_score":-0.265084932744503}],"sentiment":"neutral","sentiment_score":-0.265084932744503,"channel":0,"num_words":10,"start":14.575001,"end":17.155},{"sentences":[{"text":"Oh, you okay?","start":18.215,"end":19.115,"sentiment":"neutral","sentiment_score":-0.015043846641977629}],"sentiment":"neutral","sentiment_score":-0.015043846641977629,"channel":1,"num_words":3,"start":18.215,"end":19.115},{"sentences":[{"text":"Yeah.","start":20.175,"end":20.575,"sentiment":"neutral","sentiment_score":-0.009915625676512718},{"text":"No.","start":20.575,"end":20.815,"sentiment":"neutral","sentiment_score":-0.05488033220171928},{"text":"I'm okay.","start":20.815,"end":21.535,"sentiment":"neutral","sentiment_score":0.04877089522778988},{"text":"My","start":21.535,"end":21.855,"sentiment":"neutral","sentiment_score":0.17567960917949677}],"sentiment":"neutral","sentiment_score":0.0416850883513689,"channel":0,"num_words":5,"start":20.175,"end":21.855},{"sentences":[{"text":"That's","start":21.735,"end":22.135,"sentiment":"positive","sentiment_score":0.3576200008392334}],"sentiment":"positive","sentiment_score":0.3576200008392334,"channel":1,"num_words":1,"start":21.735,"end":22.135},{"sentences":[{"text":"one","start":21.855,"end":22.175,"sentiment":"positive","sentiment_score":0.3831283152103424}],"sentiment":"positive","sentiment_score":0.3831283152103424,"channel":0,"num_words":1,"start":21.855,"end":22.175},{"sentences":[{"text":"good.","start":22.135,"end":22.635,"sentiment":"positive","sentiment_score":0.3922324776649475}],"sentiment":"positive","sentiment_score":0.3922324776649475,"channel":1,"num_words":1,"start":22.135,"end":22.635},{"sentences":[{"text":"my my younger sister had a had a baby at 31, and","start":22.335,"end":26.275002,"sentiment":"neutral","sentiment_score":0.10104622319340706}],"sentiment":"neutral","sentiment_score":0.10104622319340706,"channel":0,"num_words":12,"start":22.335,"end":26.275002},{"sentences":[{"text":"Yeah.","start":27.67,"end":28.17,"sentiment":"neutral","sentiment_score":0.10626444220542908}],"sentiment":"neutral","sentiment_score":0.10626444220542908,"channel":1,"num_words":1,"start":27.67,"end":28.17},{"sentences":[{"text":"yeah.","start":28.015,"end":28.515,"sentiment":"neutral","sentiment_score":0.11879876255989076},{"text":"And so I just was kinda running around after family and and just sort of helping that out and just took some time off to to try and try and get everything sorted and organized and about.","start":28.575,"end":40.07,"sentiment":"neutral","sentiment_score":0.13103745313915047}],"sentiment":"neutral","sentiment_score":0.1307153823344331,"channel":0,"num_words":38,"start":28.015,"end":40.07},{"sentences":[{"text":"Yeah.","start":39.83,"end":40.33,"sentiment":"neutral","sentiment_score":0.15617015957832336}],"sentiment":"neutral","sentiment_score":0.15617015957832336,"channel":1,"num_words":1,"start":39.83,"end":40.33},{"sentences":[{"text":"So","start":40.07,"end":40.57,"sentiment":"neutral","sentiment_score":0.19662649929523468}],"sentiment":"neutral","sentiment_score":0.19662649929523468,"channel":0,"num_words":1,"start":40.07,"end":40.57},{"sentences":[{"text":"Well, that's good.","start":40.47,"end":41.53,"sentiment":"positive","sentiment_score":0.352122684319814}],"sentiment":"positive","sentiment_score":0.352122684319814,"channel":1,"num_words":3,"start":40.47,"end":41.53},{"sentences":[{"text":"yeah.","start":41.51,"end":42.01,"sentiment":"neutral","sentiment_score":0.051731474697589874},{"text":"Been a been a rough week, but,","start":42.39,"end":44.055,"sentiment":"neutral","sentiment_score":-0.09710189061505455}],"sentiment":"neutral","sentiment_score":-0.07849771995097399,"channel":0,"num_words":8,"start":41.51,"end":44.055},{"sentences":[{"text":"Yeah.","start":44.885,"end":45.385,"sentiment":"neutral","sentiment_score":-0.027236666530370712}],"sentiment":"neutral","sentiment_score":-0.027236666530370712,"channel":1,"num_words":1,"start":44.885,"end":45.385},{"sentences":[{"text":"anyway.","start":47.815,"end":48.315,"sentiment":"neutral","sentiment_score":-0.002885138615965843},{"text":"Now before I jump into radio, obviously, I need to know that our calls are recorded.","start":48.695,"end":51.815,"sentiment":"neutral","sentiment_score":-0.01422947773244232},{"text":"And if I could just","start":51.815,"end":52.535,"sentiment":"neutral","sentiment_score":0.009076235443353653}],"sentiment":"neutral","sentiment_score":-0.008417072959921577,"channel":0,"num_words":22,"start":47.815,"end":52.535},{"sentences":[{"text":"Okay.","start":52.485,"end":52.985,"sentiment":"neutral","sentiment_score":0.018205847591161728}],"sentiment":"neutral","sentiment_score":0.018205847591161728,"channel":1,"num_words":1,"start":52.485,"end":52.985},{"sentences":[{"text":"get you guys address.","start":52.535,"end":54.315002,"sentiment":"neutral","sentiment_score":0.014948159921914339}],"sentiment":"neutral","sentiment_score":0.014948159921914339,"channel":0,"num_words":4,"start":52.535,"end":54.315002},{"sentences":[{"text":"Yep.","start":56.164997,"end":56.485,"sentiment":"neutral","sentiment_score":0.04391876608133316},{"text":"It's so we took our 04/06/2019 79 Webloop in Haines 6112.","start":56.485,"end":64.75,"sentiment":"neutral","sentiment_score":0.0425685816867785}],"sentiment":"neutral","sentiment_score":0.04268109705299139,"channel":1,"num_words":12,"start":56.164997,"end":64.75},{"sentences":[{"text":"Now not that we have, but do you wanna put a password on file with us so that way you don't have to go through three points security or you have to do three points of ID or","start":66.02,"end":74.255,"sentiment":"neutral","sentiment_score":0.05629467209310908}],"sentiment":"neutral","sentiment_score":0.05629467209310908,"channel":0,"num_words":38,"start":66.02,"end":74.255},{"sentences":[{"text":"I'll do three point four five days.","start":76.415,"end":78.895,"sentiment":"neutral","sentiment_score":0.057380574622324536},{"text":"It's just telling you my best 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having any income at this time.","start":535.935,"end":541.1,"sentiment":"negative","sentiment_score":-0.5459771702686945},{"text":"And my mortgage, when I do return back to work, I have to catch up with the repayments and pay","start":541.1,"end":548.24,"sentiment":"neutral","sentiment_score":-0.2685879223048687}],"sentiment":"negative","sentiment_score":-0.3726088902913034,"channel":1,"num_words":32,"start":535.935,"end":548.24},{"sentences":[{"text":"Yeah.","start":548.52,"end":549.02,"sentiment":"neutral","sentiment_score":-0.1420585960149765}],"sentiment":"neutral","sentiment_score":-0.1420585960149765,"channel":0,"num_words":1,"start":548.52,"end":549.02},{"sentences":[{"text":"higher repayments to catch up.","start":548.94,"end":550.54,"sentiment":"negative","sentiment_score":-0.36705538630485535},{"text":"You know what I mean?","start":550.54,"end":551.26,"sentiment":"neutral","sentiment_score":-0.3192431926727295},{"text":"So that's gonna be a bit of a take of the toll on me as well.","start":551.26,"end":554.33496,"sentiment":"negative","sentiment_score":-0.5403200536966324},{"text":"So I might have to look at a second job again.","start":554.33496,"end":556.675,"sentiment":"neutral","sentiment_score":-0.3298529494892467},{"text":"I do have a second contract with East Metro Health Service.","start":557.055,"end":560.815,"sentiment":"neutral","sentiment_score":-0.0917545154013417}],"sentiment":"negative","sentiment_score":-0.3482144972464691,"channel":1,"num_words":48,"start":548.94,"end":560.815},{"sentences":[{"text":"That's I had that, I think, when I was talking to you last.","start":560.815,"end":563.69495,"sentiment":"neutral","sentiment_score":-0.11854719943725146},{"text":"That was a weekend work, but I'm I haven't there's no work 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Keith","start":597.34,"end":597.82,"sentiment":"neutral","sentiment_score":0.019728061743080616}],"sentiment":"neutral","sentiment_score":0.019728061743080616,"channel":1,"num_words":2,"start":597.34,"end":597.82},{"sentences":[{"text":"So","start":597.51,"end":597.75,"sentiment":"neutral","sentiment_score":0.010741028934717178}],"sentiment":"neutral","sentiment_score":0.010741028934717178,"channel":0,"num_words":1,"start":597.51,"end":597.75},{"sentences":[{"text":"started","start":597.82,"end":598.14,"sentiment":"neutral","sentiment_score":0.014737024903297424}],"sentiment":"neutral","sentiment_score":0.014737024903297424,"channel":1,"num_words":1,"start":597.82,"end":598.14},{"sentences":[{"text":"mhmm.","start":598.07,"end":598.57,"sentiment":"neutral","sentiment_score":0.00358615699224174}],"sentiment":"neutral","sentiment_score":0.00358615699224174,"channel":0,"num_words":1,"start":598.07,"end":598.57},{"sentences":[{"text":"to mention, sorry, that maybe 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know.","start":601.26,"end":601.92,"sentiment":"neutral","sentiment_score":-0.27770985662937164},{"text":"Yeah.","start":602.3,"end":602.46,"sentiment":"neutral","sentiment_score":-0.13306134939193726},{"text":"I think Keith start mentioned you sell if if I have to.","start":602.46,"end":606.32,"sentiment":"neutral","sentiment_score":-0.1876206323504448},{"text":"I'm I'm just so they don't have any shares in it, so I don't really wanna sell.","start":606.7,"end":611.505,"sentiment":"negative","sentiment_score":-0.3764444729861091},{"text":"So I'm gonna I'm gonna spoke to the mortgage broker.","start":612.365,"end":614.525,"sentiment":"neutral","sentiment_score":-0.17662291452288628}],"sentiment":"neutral","sentiment_score":-0.264421758020208,"channel":1,"num_words":42,"start":601.26,"end":614.525},{"sentences":[{"text":"She did say not to sell because it might be harder for me to get back in the market if I did that 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I'll call you I'll call you","start":1741.0349,"end":1742.955,"sentiment":"neutral","sentiment_score":0.09838843877826418}],"sentiment":"neutral","sentiment_score":0.09838843877826418,"channel":0,"num_words":7,"start":1741.0349,"end":1742.955},{"sentences":[{"text":"Yep.","start":1742.815,"end":1743.315,"sentiment":"neutral","sentiment_score":0.1105506643652916}],"sentiment":"neutral","sentiment_score":0.1105506643652916,"channel":1,"num_words":1,"start":1742.815,"end":1743.315},{"sentences":[{"text":"then.","start":1742.955,"end":1743.24,"sentiment":"neutral","sentiment_score":0.10905653238296507}],"sentiment":"neutral","sentiment_score":0.10905653238296507,"channel":0,"num_words":1,"start":1742.955,"end":1743.24},{"sentences":[{"text":"Okay.","start":1743.455,"end":1743.955,"sentiment":"neutral","sentiment_score":0.2517685890197754},{"text":"Thank you very much, 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a customer, discusses her work situation with an agent named Louis and explains that she never got back in touch with them about their conversation about their work situation. She is currently on leave due to medical reasons and has been off work for two months. They discuss her income and retirement plans, including her current employer and plans for a new job. The speakers also discuss financial and estate-related topics, including the value of the estate and the possibility of a tax refund if the money is paid to the carers. They mention the need to ensure payment is split between the two of the speaker's siblings and the importance of considering financial power of attorney. They also discuss insurance coverage and the possibility of paying for the estate in a lump sum. The agent suggests paying for insurance from the customer's super fund and offers options for paying for the estate in a bank account and refinancing the house. They also discuss the possibility of insurance coverage and the possibility of paying for the estate in a lump sum"},"intents":{"segments":[{"text":"It's so we took our 04/06/2019 79 Webloop in Haines 6112. Now not that we have, but do you wanna put a password on file with us so that way you don't have to go through three points security or you have to do three points of ID or I'll do three point four five days. It's just telling you my best date yep. of birth. Is that right? Yeah.","start_word":150,"end_word":219,"intents":[{"intent":"Address security concerns","confidence_score":0.0016758707}]},{"text":"how long mom mom has at the moment, but we've been told I don't think she'd be I don't think she might make it till Christmas, basically, I think.","start_word":647,"end_word":675,"intents":[{"intent":"Inform about leave duration","confidence_score":0.0011980698}]},{"text":"I don't have any leaves.","start_word":722,"end_word":726,"intents":[{"intent":"Expressing concern about lack of income","confidence_score":0.001042526}]},{"text":"that's where I'm at at in this current situation. But prior to that, I've still been working full time at the children's hospital, yeah, up until June. That's where I'm at at the moment. Okay.","start_word":729,"end_word":763,"intents":[{"intent":"Discussing current position","confidence_score":0.00018205994}]},{"text":"I was in the process of refinancing my house at two, but now I can't do that because I'm now from leave.","start_word":764,"end_word":785,"intents":[{"intent":"Discussing refinancing options","confidence_score":0.00046558055}]},{"text":"And I We're just trying to I refinance wanna and yeah. pull that in. Yeah.","start_word":828,"end_word":842,"intents":[{"intent":"Trying to refinance","confidence_score":0.00030364233}]},{"text":"Now that we're talking with palliative care team, a social worker has asked us about that, and apparently we cannot get the carer's payment due to mom and mom's assets at the moment.","start_word":1324,"end_word":1356,"intents":[{"intent":"Inquire about payment and benefits","confidence_score":0.00023942896}]},{"text":"it's just a bit hard not having any income at this time.","start_word":1505,"end_word":1516,"intents":[{"intent":"Discuss potential future financial difficulties","confidence_score":0.00004265887}]},{"text":"So I might have to look at a second job again.","start_word":1564,"end_word":1574,"intents":[{"intent":"Evaluate potential potential job options","confidence_score":0.0000011864156}]},{"text":"So I might have to look at a second job again. I do have a second contract with East Metro Health Service. That's I had that, I think, when I was talking to you last. That was a weekend work, but I'm I haven't there's no work anymore. So, Yep.","start_word":1564,"end_word":1613,"intents":[{"intent":"Express concerns about future plans","confidence_score":0.00028883002}]},{"text":"I do have a second contract with East Metro Health Service. That's I had that, I think, when I was talking to you last. That was a weekend work, but I'm I haven't there's no work anymore. So, Yep.","start_word":1575,"end_word":1613,"intents":[{"intent":"Express frustration with lack of work","confidence_score":0.000780036},{"intent":"Reflect on current employment status","confidence_score":0.00004090912}]},{"text":"does her stuff, I think we're gonna look at on this property, and then we're gonna divide it up with our siblings as well.","start_word":1980,"end_word":2003,"intents":[{"intent":"Divide property","confidence_score":0.43484563},{"intent":"Consider split","confidence_score":0.005732469}]},{"text":"I was counting the number of siblings that you were talking about as you were talking about them. I missed a couple.","start_word":2026,"end_word":2047,"intents":[{"intent":"Count siblings","confidence_score":0.14281738},{"intent":"Discuss siblings","confidence_score":0.0040707593}]},{"text":"With the carer's allowance, it's not means tested. Mhmm. Because the So allowance the carer's is allowance not is about a $140.40 dollars a fortnight. It's not Okay.","start_word":2122,"end_word":2149,"intents":[{"intent":"Explain allowance","confidence_score":0.029844541}]},{"text":"There is a possibility that that could be divided between people that are caring for. So if there's, like, two carers that are caring for, that can be divided between.","start_word":2169,"end_word":2198,"intents":[{"intent":"Recognize difference","confidence_score":0.00025567427}]},{"text":"It should be split between the two of you now because you've been Okeydokey. up there caring Okay. for mom. Okay. So the application should be changed to make sure that it's split between the two of you because otherwise it's an unfair outcome. You're Sure.","start_word":2242,"end_word":2287,"intents":[{"intent":"Confirm split","confidence_score":0.0020406079}]},{"text":"So the application should be changed to make sure that it's split between the two of you because otherwise it's an unfair outcome. You're Sure.","start_word":2263,"end_word":2287,"intents":[{"intent":"Change application","confidence_score":0.15106817},{"intent":"Clarify application","confidence_score":0.036288258}]},{"text":"So it's conversation, obviously, that has to happen between you guys to talk about Okay.","start_word":2303,"end_word":2317,"intents":[{"intent":"Debt negotiation","confidence_score":0.00014611453}]},{"text":"And I'd be happy to have a conversation with whoever it is that has financial power of attorney just to talk about, like, I guess, the taxes and just kind of give a bit of information to them Okay.","start_word":2702,"end_word":2740,"intents":[{"intent":"Discuss taxes and provide information for super fund","confidence_score":0.00016345295}]},{"text":"right now won't pay any tax because she's old enough to not have to pay tax, and she's it's her money. But when it gets Okay. paid to you guys, because it's not your money, it's seen as a benefit. It there's it's just different tax. So if Okay.","start_word":2929,"end_word":2977,"intents":[{"intent":"Discuss tax benefits","confidence_score":0.031521283}]},{"text":"And then I've got those that I have to pay I have to pay 3,000 there.","start_word":3267,"end_word":3282,"intents":[{"intent":"Pay bills","confidence_score":0.083890244},{"intent":"Discuss payment options","confidence_score":0.0007099235}]},{"text":"at doing a few things with paying down a mortgage and and how to best best get that positioned. Yep.","start_word":3478,"end_word":3497,"intents":[{"intent":"Discuss sales strategy","confidence_score":0.00062190124}]},{"text":"and the estate, and then we can kind of have a bit more of a conversation about where do we go with the money from the estate, how do we best target, like, growth for you.","start_word":3947,"end_word":3982,"intents":[{"intent":"Understand and pursue growth","confidence_score":0.000003898754}]},{"text":"Because, obviously, paying down the debts is a massive thing, and it's it's where people go to first. People go, cool.","start_word":3982,"end_word":4002,"intents":[{"intent":"Discuss debts","confidence_score":0.03518883}]},{"text":"Now I guess with with respect to everything else, I do wanna do some changes to your super funds.","start_word":4250,"end_word":4268,"intents":[{"intent":"Make changes","confidence_score":0.0007607667}]},{"text":"And if you wanna go ahead, I can look at incorporating that into the investment in your super funds. Okay.","start_word":4551,"end_word":4570,"intents":[{"intent":"Discuss investment options","confidence_score":0.022904154}]},{"text":"And I can literally call you next Thursday to same time and Yep. go through and and explain the research and and just touch base with you then as well. That'd Okay? be that'd be good. Yep. Okay. Perfect. Well, I'll get cracking and start getting research happening. I'll forward this email to you, Mhmm. and we will talk in a week, a week today. Okay.","start_word":4654,"end_word":4719,"intents":[{"intent":"Schedule meeting","confidence_score":0.4643551}]}]},"sentiments":{"segments":[{"text":"Hello? Louis speaking. Hi, Louise. Larissa from. How are you doing? Oh, yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.18424981832504272},{"text":"Good. Thanks, Larissa. How are you?","start_word":13,"end_word":18,"sentiment":"positive","sentiment_score":0.48903071880340576},{"text":"Yeah. Not too bad. I'm so sorry That's that I good. missed you last week. That's okay. I had a had a bit of an accident, unfortunately. Oh, you okay? Yeah. No. I'm okay.","start_word":19,"end_word":52,"sentiment":"neutral","sentiment_score":-0.03090205416083336},{"text":"My That's one good.","start_word":53,"end_word":56,"sentiment":"positive","sentiment_score":0.3451618552207947},{"text":"my my younger sister had a had a baby at 31, and Yeah. yeah. And so I just was kinda running around after family and and just sort of helping that out and just took some time off to to try and try and get everything sorted and organized and about. Yeah.","start_word":57,"end_word":108,"sentiment":"neutral","sentiment_score":0.12361728399991988},{"text":"So Well, that's good.","start_word":109,"end_word":112,"sentiment":"positive","sentiment_score":0.3385767638683319},{"text":"yeah. Been a been a rough week, but, Yeah. anyway. Now before I jump into radio, obviously, I need to know that our calls are recorded. And if I could just Okay. get you guys address. Yep. It's so we took our 04/06/2019 79 Webloop in Haines 6112. Now not that we have, but do you wanna put a password on file with us so that way you don't have to go through three points security or you have to do three points of ID or I'll do three point four five days. It's just telling you my best date yep. of birth. Is that right? Yeah. I'll stick to that. Yep. Yep. Yeah. Yeah.","start_word":113,"end_word":227,"sentiment":"neutral","sentiment_score":0.034884463995695114},{"text":"Perfect. That that's absolutely okay. Perfect.","start_word":228,"end_word":233,"sentiment":"positive","sentiment_score":0.42430368065834045},{"text":"Alright. So, I guess, the point of point of about today's conversation is to kind of go through, have a bit of a conversation about where things fit for you now and also to touch base. Because late last year, we were looking at IP. I did have a bunch of research, and then we we changed CRMs and, like, we changed our client database. Yeah. And, unfortunately, you and I never got back in contact with each other. So I wanted to basically, I guess, go and start a little bit from scratch, Sure. I guess, because everything's sort of a little bit out date, but, Yeah. obviously, catch up with you and see how everything's going in your world. Yeah.","start_word":234,"end_word":355,"sentiment":"neutral","sentiment_score":-0.00024066553985486265},{"text":"That'd be good.","start_word":356,"end_word":358,"sentiment":"positive","sentiment_score":0.45865368843078613},{"text":"So at the moment, there's I'm actually on leave. Yeah. I'm I'm being been off on leave for about two months because I'm looking after my mom who's in part of care. Oh, I'm sorry, darling. So yes. Okay. So so I'm in Calgary at the moment. So and I've got Yeah. three months medical certificate covered me up until currently up to October, I think, twenty sixth. And yeah. So Yep. it's, like, just coasting at the moment. So my role Yeah. is still there at Perth Children's Hospital in Perth. I still live Yeah. in Perth, but I'm just living in Calvary helping out and looking after mom twenty four seven, basically. Yeah. That's where Absolutely. I'm at at the moment. Yes. I've been off since it's about what in August. I think it was June. Okay. I've been off work since then. Okay.","start_word":359,"end_word":504,"sentiment":"neutral","sentiment_score":-0.022394349798560143},{"text":"So I don't have any income at the moment, which is quite hard.","start_word":505,"end_word":517,"sentiment":"negative","sentiment_score":-0.446181207895279},{"text":"Yeah. I had Yeah. to had to apply for financial hardship with Keystart at the moment, so they put a stop to my pay repayments for three months at the Yep. moment. They're aware that I'm here with mom and returning back to work whenever I can. I think it's up to twelve months I can take, but at the moment, it's I mean, just started in June this year. Yeah. So just basically coasting at the moment with mom. I don't know whether I'll go back in in October or or I'm not too sure yet. It's just better for to let input my employer know that they take take longer time off rather than saying given week by week sort of thing. So we don't know Yeah. how long mom mom has at the moment, but we've been told I don't think she'd be I don't think she might make it till Christmas, basically, I think. I'm I'm assuming. Yeah.","start_word":518,"end_word":679,"sentiment":"neutral","sentiment_score":-0.10335232317447662},{"text":"So she's on a positive care. So it's positive care here at home.","start_word":680,"end_word":692,"sentiment":"positive","sentiment_score":0.5911377851779644},{"text":"So, like I said, it's only up till October so far. I've got my middle certificate full. So, like I said, no income been coming in at the moment. I don't have any leaves. So Yep. that's where I'm at at in this current situation. But prior to that, I've still been working full time at the children's hospital, yeah, up until June. That's where I'm at at the moment. Okay. I was in the process of refinancing my house at two, but now I can't do that because I'm now from leave.","start_word":693,"end_word":785,"sentiment":"neutral","sentiment_score":-0.06455904245376587},{"text":"But, yeah, unexpected I'm lazy. yeah. I mean, unexpectedly. So that's like damping that for me.","start_word":786,"end_word":801,"sentiment":"negative","sentiment_score":-0.4370155334472656},{"text":"I'll head it I'm trying to get out of key stock because it's so much interest.","start_word":802,"end_word":817,"sentiment":"neutral","sentiment_score":-0.31061866879463196},{"text":"It's not funny.","start_word":818,"end_word":820,"sentiment":"negative","sentiment_score":-0.38170433044433594},{"text":"You know what I mean? Yeah. Yeah. And I We're just trying to I refinance wanna and yeah. pull that in. Yeah. Yeah. And I'm interested about 7.6 only 8%, I think. So Yeah. I've been with them for nearly over, what, nine years. So I was I was dealing with a mortgage broker. He was we're just about to get it done, and then, yeah, this happened from there. I've gotta wait now to probably wait until I go back to work and work for about six months or so to get it all, you know, more stable again and then probably go for the refinancing the house. So that's Yeah. where I'm up to at the moment. And Okay. I think when I Alright. spoke to you when I spoke to you last year, I think I mentioned that the income protection, I don't know where we're up to with that. Yeah.","start_word":821,"end_word":974,"sentiment":"neutral","sentiment_score":-0.02410588040947914},{"text":"And I know I know that was for myself being ill.","start_word":975,"end_word":985,"sentiment":"negative","sentiment_score":-0.3484901487827301},{"text":"Some understanding is that I wanted to know that that maybe up to you with that if it's still possible to try and get income protection and all that sort of stuff. And also, I was I spoke to you when I did speak to you last, it was also questions about Bitcoin and where that was up to and if that's possible as well. I don't know. Yep. I don't know what what's your thoughts. And then there's also an email I keep getting from I view in regards to some trades Yep. that's I'm not too sure what that's about. You can also explain that to me. I know I think you explained it to me before. I can't remember what what it's about. So I'm just wondering what what what's that all about as well? That's money going out to certain shares, I think. Is that right? Or what's going on Yes. there as Yeah. It well? is. And I also Yeah. changed over to Hub twenty four. Is that right? So I don't know that is it just better for me? I don't know. Yeah. A lot of things happening No. at the That's moment. okay. Yeah. So No worries.","start_word":986,"end_word":1189,"sentiment":"neutral","sentiment_score":-0.05576338129592877},{"text":"That's okay, my darling. I can definitely explain that all.","start_word":1190,"end_word":1199,"sentiment":"positive","sentiment_score":0.5864995121955872},{"text":"So let's start with I'll I'll take my know where everything's at Yep. and make sure that I have all the records straight. Mhmm. So occupation wise, we're still with the same employer, Yes. and our Yep. wages are gonna be that 101,000 when we go back to work. We're just on Yes. unpaid Yep. leave at the moment. Yeah. Okay. I'm tired. Yep. And yeah. And we'll be going back Yes. in the next two months once Yeah. Yep. everything's covered there. Okay. Yeah. Have you been if it's applied for Centrelink, like carers allowance, carers No. pension? No. Apparently so I'd share my my sister was caring for mom before I came. So she currently has the carer's payment, I believe. Now that we're talking with palliative care team, a social worker has asked us about that, and apparently we cannot get the carer's payment due to mom and mom's assets at the moment.","start_word":1200,"end_word":1355,"sentiment":"neutral","sentiment_score":-0.06296942618120319},{"text":"I think it's too high, whatever, I think.","start_word":1356,"end_word":1363,"sentiment":"negative","sentiment_score":-0.6141102313995361},{"text":"I don't know Yep. if that's means tested, but it yeah.","start_word":1364,"end_word":1374,"sentiment":"neutral","sentiment_score":-0.2086406946182251},{"text":"So my sister couldn't get that.","start_word":1375,"end_word":1380,"sentiment":"negative","sentiment_score":-0.3671837449073791},{"text":"She's only getting that carers payment or allowance, whatever it was. And then I was told from my the other sister that three carers can claim for the carers allowance. I don't know if if you know anything about that. Is that correct? Or and it's only about 100 and something in fortnight anyway. Yes. Yeah. And the carers payment, like I said, we I think my sister tried to go for that before.","start_word":1381,"end_word":1454,"sentiment":"neutral","sentiment_score":-0.1811796128749847},{"text":"But, yeah, we couldn't do it because mom's assets at the moment, apparently. Because we lost dad about four years ago. So between mom and dad's assets, we can't, yeah, do anything there, which is a shame because I'm I'm I'm mom's enduring pair of guardianship guardian.","start_word":1455,"end_word":1501,"sentiment":"negative","sentiment_score":-0.4565432071685791},{"text":"So, yeah, Yep.","start_word":1502,"end_word":1504,"sentiment":"neutral","sentiment_score":-0.1474788933992386},{"text":"it's just a bit hard not having any income at this time.","start_word":1505,"end_word":1516,"sentiment":"negative","sentiment_score":-0.5209181308746338},{"text":"And my mortgage, when I do return back to work, I have to catch up with the repayments and pay Yeah.","start_word":1517,"end_word":1537,"sentiment":"neutral","sentiment_score":-0.2580030858516693},{"text":"higher repayments to catch up.","start_word":1538,"end_word":1542,"sentiment":"negative","sentiment_score":-0.3696964681148529},{"text":"You know what I mean?","start_word":1543,"end_word":1547,"sentiment":"neutral","sentiment_score":-0.31821778416633606},{"text":"So that's gonna be a bit of a take of the toll on me as well.","start_word":1548,"end_word":1563,"sentiment":"negative","sentiment_score":-0.5376594662666321},{"text":"So I might have to look at a second job again. I do have a second contract with East Metro Health Service. That's I had that, I think, when I was talking to you last. That was a weekend work, but I'm I haven't there's no work anymore. So, Yep. yeah, some I'm just gonna my my main income is child health and that'll yeah. Child health benefits. So health service. So it's a bit Yeah. yeah.","start_word":1564,"end_word":1640,"sentiment":"neutral","sentiment_score":-0.1433023065328598},{"text":"Very tight with I don't know how I'm going to return back to it.","start_word":1641,"end_word":1654,"sentiment":"negative","sentiment_score":-0.3868388831615448},{"text":"I'll have to look in a sec my second job, basically, to make things to Yeah. Okay. make to catch up with my key start payment and then Okay. hopefully get out refinance. Yeah. And then Alright. Okay. then Keith So started mhmm. to mention, sorry, that maybe selling.","start_word":1655,"end_word":1703,"sentiment":"neutral","sentiment_score":0.03509495034813881},{"text":"I No.","start_word":1704,"end_word":1705,"sentiment":"negative","sentiment_score":-0.3426072299480438},{"text":"don't No. know.","start_word":1706,"end_word":1708,"sentiment":"neutral","sentiment_score":-0.3243069648742676},{"text":"No. I Goodbye.","start_word":1709,"end_word":1711,"sentiment":"negative","sentiment_score":-0.4908214509487152},{"text":"don't know. Yeah. I think Keith start mentioned you sell if if I have to.","start_word":1712,"end_word":1726,"sentiment":"neutral","sentiment_score":-0.2083464115858078},{"text":"I'm I'm just so they don't have any shares in it, so I don't really wanna sell.","start_word":1727,"end_word":1743,"sentiment":"negative","sentiment_score":-0.37201201915740967},{"text":"So I'm gonna I'm gonna spoke to the mortgage broker.","start_word":1744,"end_word":1753,"sentiment":"neutral","sentiment_score":-0.19066275656223297},{"text":"She did say not to sell because it might be harder for me to get back in the market if I did that to Yep.","start_word":1754,"end_word":1778,"sentiment":"negative","sentiment_score":-0.3901209235191345},{"text":"do that. So Yeah. I'm I'm trying to hold on to my house as much as I can, basically. Yeah. Okay. So let's let's go through the couple of things. Yeah. So let's talk about income right now. There are carers' payment and carers' allowance. Right. Two or more carers can claim the carer's payment for the same Okay. person. Okay. Is that Carer's Care's payment allowance, you say? that's carer's payment. Correct. Okay. Okay. Carer's payment, there is there is a means test that applies to the carer and their partner Okay. and another applying to the person receiving care. So it means that for mom, depending on what she has in assets, it could affect her. Do you know what assets Okay. mom has? Yeah. She's she's got property and super well, I think dad's super. So yeah. Do Yeah. you you know how much is there in Not at at that? the moment, but I can get those figures. But my other brother, he's the power of attorney, and he has all those figures. But yeah. Okay. But but, yeah, we don't I I know there is a bit there, but yeah. And then when mom K. does her stuff, I think we're gonna look at on this property, and then we're gonna divide it up with our siblings as well. And so I found that there's four of you? No. There's Four six siblings? six of Oh, us. six. Yeah. Okay. So Sorry. I was counting the number of siblings that you were talking about as you were talking about them. I missed a couple. yeah. Sorry. I yeah. I didn't Okay. mention my So brothers. that's Yeah. it. That's been it. There's three brothers. There's three three brothers with three girls. Three daughters. Yeah. One's got three brothers. Okay. Three sons and three daughters. Yeah.","start_word":1779,"end_word":2088,"sentiment":"neutral","sentiment_score":-0.009783376068357498},{"text":"Bit of a Perfect. crowd.","start_word":2089,"end_word":2093,"sentiment":"positive","sentiment_score":0.38562479615211487},{"text":"Three Yeah. and three. Yeah. No. That's okay.","start_word":2094,"end_word":2101,"sentiment":"neutral","sentiment_score":0.12602180242538452},{"text":"I I'm one of four, I guess. I love a good big family.","start_word":2102,"end_word":2114,"sentiment":"positive","sentiment_score":0.5883474946022034},{"text":"Yeah. Now with the carer's payment sorry. With the carer's allowance, it's not means tested. Mhmm. Because the So allowance the carer's is allowance not is about a $140.40 dollars a fortnight. It's not Okay. a lot, but at least Right. it's it's something. Like, that's Yeah. that's the point. Is it something? Right. There is a possibility that that could be divided between people that are caring for. So if there's, like, two carers that are caring for, that can be divided between. Okay. So by the time that there are two two people caring for mom? Yeah. So it's me and my older sister. Okay. Yes. She she had that payment And before and I came back. theoretically, like, theoretically speaking, she got that payment. It should be split between the two of you now because you've been Okeydokey. up there caring Okay. for mom. Okay. So the application should be changed to make sure that it's split between the two of you because otherwise it's an unfair outcome. You're Sure. all you've also moved away from your home to care Yeah. for mom. Yep. So it's conversation, obviously, that has to happen between you guys to talk about Okay. so that way you don't lose house because the Yeah. the lender is correct that, theoretically speaking, if you can't make the payments, you could lose the house. And it's not a matter of selling the house. It's a matter of the bank repossessing the house You're and right. then Okay. selling it out from underneath you to pay for the mortgage. Now granted, unlikely that they're gonna do it, and if you're open with them and say, hey. There's this estate over here. I'm a beneficiary. Here's the will. I'm about to get money. I'm gonna Okay. be able to catch up.","start_word":2115,"end_word":2419,"sentiment":"neutral","sentiment_score":-0.06757364832475538},{"text":"We're all good. They may be more willing to work with you.","start_word":2420,"end_word":2431,"sentiment":"positive","sentiment_score":0.43559789657592773},{"text":"Yeah. But I guess do you I I hate I hate talking about this, I guess, because it is mom's still alive. Okay. But, Yeah. realistically Right. Yeah. speaking, she's palliative. It's not Yeah. if, but when. Do you know what the estate do you know roughly how the estate's worth, like, how much the house is Yeah. worth and what the assets roughly overall would be worth? $7.50 for the property. And then I think probably going back to mill maybe, I think. Email total? Yeah. So about that. Yeah. I think. Roughly. Okay. Yep. So if that's gonna be divided by 23, we're looking at 300 300,000. Divided by divided Now by six. but yeah. Divided by six. Sorry. Yep. Yes. So two divided by six, we're looking about 300,000 each. Now there's Yep. a couple of things that, I guess, extra information wise, it could be taken into consideration. Mhmm. One of those things is that the money is in super for for the estate. So the money that's sitting inside the super funds under your Mhmm.","start_word":2432,"end_word":2611,"sentiment":"neutral","sentiment_score":-0.03318694233894348},{"text":"mom's and dad's name, that money, if it's paid to you guys, is actually gonna be taxed quite a bit.","start_word":2612,"end_word":2631,"sentiment":"negative","sentiment_score":-0.4463241994380951},{"text":"If Okay. I go through in like, if mom I'm assuming mom's over over 65. Yeah. Yeah. Didn't want to assume. Maybe she adopted you. So you guys could you you could pull the money out and put it in mom's bank account.","start_word":2632,"end_word":2674,"sentiment":"neutral","sentiment_score":0.07650838047266006},{"text":"So that way, there's no tax that's gonna be paid.","start_word":2675,"end_word":2684,"sentiment":"positive","sentiment_score":0.3349536955356598},{"text":"And that's a conversation that whoever has financial power of attorney Yep. needs to fully look at.","start_word":2685,"end_word":2701,"sentiment":"neutral","sentiment_score":0.1925301253795624},{"text":"And I'd be happy to have a conversation with whoever it is that has financial power of attorney just to talk about, like, I guess, the taxes and just kind of give a bit of information to them Okay.","start_word":2702,"end_word":2740,"sentiment":"positive","sentiment_score":0.3898188471794128},{"text":"to sort of, I guess, to start thinking about things. Because realistically speaking, if there's a million dollars, and there's, like, a million dollars sitting in a super fund, it's it's 17% tax on money that's paid to a non financial dependent, which you guys are all older old enough. You know, you're over 18. You will make your own you have your own houses. You're you're not you're not financially Yeah. dependent. You're adults. And 15% of a million million dollars is in a small slice of the pie. Looking at a 150,000 that the the estate has to pay in tax. It's a $150,000 that you guys aren't Yep. splitting. Okay. Yep. So it's, like, $25,000 each that you guys have to pay in Yeah. So it's just it's so we're just prethinking some of those things while mom's alive, Yeah. Yeah. seeing the finances in order now Yep.","start_word":2741,"end_word":2891,"sentiment":"neutral","sentiment_score":-0.139268696308136},{"text":"because the Superfund is the one that's gonna hit you guys when it comes to, you know, like, paying, like, paying Yep. taxes just because of Yep. the the taxes that it is.","start_word":2892,"end_word":2924,"sentiment":"negative","sentiment_score":-0.4205840826034546},{"text":"Where mom Yeah. right now won't pay any tax because she's old enough to not have to pay tax, and she's it's her money. But when it gets Okay. paid to you guys, because it's not your money, it's seen as a benefit. It there's it's just different tax. So if Okay. we take that money out now, which is live, put in a bank account, and then the estate deals with transferring the money around, it's it's way better from a tax perspective. There's Okay. a few more things to consider on that on that side of things, but it's something to consider. Now I can send you an email that kinda just gives you a few outline things considering Yeah.","start_word":2925,"end_word":3046,"sentiment":"neutral","sentiment_score":0.044897407934558195},{"text":"talk That'd be to good.","start_word":3047,"end_word":3051,"sentiment":"positive","sentiment_score":0.3545261025428772},{"text":"the Yep. fine like, the financial power of attorney just Yes. to sort Yep. of look at doing a claim and just pull the money out into mom's bank account. Just keep Yeah. it there in cash, and then the estate the will can take care of it and split it everywhere. Now carers allowance is something that you would need to talk to your sister about, seeing if you guys can split it and helping you out there. With with the bank, how much do you owe? Because your house your house is worth sort of maybe 700,000. No. Is that still Yeah. It's correct? going up now. It's about well, value coming out about so it's not up to 990 or something. My My house word.","start_word":3052,"end_word":3179,"sentiment":"neutral","sentiment_score":0.06720729172229767},{"text":"is I love. Perfect.","start_word":3180,"end_word":3183,"sentiment":"positive","sentiment_score":0.4200777411460877},{"text":"Yeah. Yeah. Yeah. Yeah. Yeah. I'm just looking now. Sort of, yeah, sitting around that $9,509.09 Yeah. Yep. 106,000. Okay. And do you know how much you roughly owe on it? Yeah. 480, I think. Or 450. $4.50? Perfect. Yep. So we've got some decent equity in it.","start_word":3184,"end_word":3231,"sentiment":"neutral","sentiment_score":0.0902933105826378},{"text":"Everything's sitting pretty well there.","start_word":3232,"end_word":3236,"sentiment":"positive","sentiment_score":0.44670814275741577},{"text":"And we've still got Yep. the two cards? Yes. Yep. Yep. And the credit card? Yes. Yep. And anything owing on the quick card? 4, I think. Oh, $33,500. And then I've got those that I have to pay I have to pay 3,000 there. And then the I think it was a credit Like card. Wallet Wizard or Oh, what was that I think called? Zip. So I think Zip Zip I think Pay. Yep. it's just about $2, I think, or 2 $33 as well. So, yeah, I've gone through all that stuff Yep. with the broker to refinance. So I would know Yep. off the top of my head that the Sunny Zip home and credit card in the house. Okay. So Zip credit card, how? Yep. Afterpay as well or no Afterpay? After five minutes, they stopped there. As well. Okay. Okay. Yep. So we've got basically 500 across the credit card, the Afterpay, the Zippay, plus the house on top of that. Yep. Okay. So ZIP. Sorry. So Alright. so ZIP. So ZIP credit card That's in the house. May I have to pay? I think it's finished okay. now. Yeah. Perfect. ZIP credit card in the house. Alright. Perfect. Okay. So, obviously Sorry. What was that? I I completely understand. But Yeah. when mom passes, the money comes in. It allows you to close those things out, and we are Yeah. able to look Yeah. at doing a few things with paying down a mortgage and and how to best best get that positioned. Yep. Now, like, obviously, selling the house is gonna take time, so that's not gonna happen immediately. It'll No. No No. And I don't think I wanna sell yet anyway. I don't know yet. Not too sure. Never thought that one's no one's gonna contest the bill. far. What's that about? Sorry? Now want oh, That like, that if can happen? Yeah. So if I'm sure I'm on how to win. Yes. Sorry. Sorry. There is that on your your phone.","start_word":3237,"end_word":3577,"sentiment":"neutral","sentiment_score":-0.01850406224689176},{"text":"It's like it's hard.","start_word":3578,"end_word":3581,"sentiment":"negative","sentiment_score":-0.4042466878890991},{"text":"It's it's like cutting out when you're speaking. So Oh, and what? Sorry. yeah. Sorry. You think so? If we keep talking, I'll let Okay. you know. Yeah. So so what can happen is what can happen is once one passes with the Mhmm.","start_word":3582,"end_word":3625,"sentiment":"neutral","sentiment_score":-0.12509948320009492},{"text":"estate settling and the will taking power of of deducting assets, if someone is unsatisfied with the will as a document and the outcome it's that fits, like, the decisions that are being made, they could contest the will. So basically argue against it, which could result in it taking longer for the estate to settle.","start_word":3626,"end_word":3681,"sentiment":"negative","sentiment_score":-0.4222116768360138},{"text":"Okay. So if all six of you were on the same page and it's just gonna go through nice and easily, then that's not really too much of an issue.","start_word":3682,"end_word":3711,"sentiment":"neutral","sentiment_score":0.1570947915315628},{"text":"But if it's going to take like, if someone can test the will, it might take longer. It takes longer. You're cutting Okay.","start_word":3712,"end_word":3734,"sentiment":"negative","sentiment_score":-0.35277944803237915},{"text":"out again.","start_word":3735,"end_word":3736,"sentiment":"neutral","sentiment_score":-0.22636310756206512},{"text":"Sorry. You're cutting out again.","start_word":3737,"end_word":3741,"sentiment":"negative","sentiment_score":-0.3565064072608948},{"text":"Yeah. Really? Yep. Yeah. If you keep talking or anything Okay. yeah. Yeah. So yeah. So No. if if all six of you are not on the same page and some can ask the will, that's where things might get a little bit strange, might take Okay. a little bit longer, so to speak. Now regarding, I guess, the insurance side of things, we can definitely go ahead with the insurance. We can still go ahead with the ins like, the IP insurance even though you're on leave at the moment Okay. because you still have a contract. You have a contract to go back to. You're just on unpaid leave for a short period of time, so that's that's fine.","start_word":3742,"end_word":3862,"sentiment":"neutral","sentiment_score":-0.07230818271636963},{"text":"But the issue we have is that we were talking about paying for it out of your personal pocket, which we don't Yeah. currently have the need to be able to pay for.","start_word":3863,"end_word":3895,"sentiment":"negative","sentiment_score":-0.3833691477775574},{"text":"Right. So there's a couple of options we have. We could look at paying for it from your super fund, but that's gonna put a lien on your super fund. Or we kind of hold and possibly hold for maybe six months, wait to see what happens with mom Yeah. and the estate, and then we can kind of have a bit more of a conversation about where do we go with the money from the estate, how do we best target, like, growth for you. Because, obviously, paying down the debts is a massive thing, and it's it's where people go to first.","start_word":3896,"end_word":3999,"sentiment":"neutral","sentiment_score":0.02245384598007569},{"text":"People go, cool.","start_word":4000,"end_word":4002,"sentiment":"positive","sentiment_score":0.3911377787590027},{"text":"I have the debt. I have this money. I'm gonna pay the debt off. It's not always the best avenue that we can take.","start_word":4003,"end_word":4026,"sentiment":"neutral","sentiment_score":0.1517961025238037},{"text":"There's other avenues that are available to us that are gonna end up being more financially beneficial.","start_word":4027,"end_word":4043,"sentiment":"positive","sentiment_score":0.3647240698337555},{"text":"There's a degree that paying down the, you know, 9.5 to $10 in credit loans isn't a isn't a good idea, It's but it's capital not a good the money idea. on the mortgage Alright. you know, it is. It is a good idea. Okay. But the mortgage paying that off in one lump sum might not actually be the best avenue. There might be other avenues that we can look at depending on what we wanna achieve and then, obviously, depending on how much money you get as well.","start_word":4044,"end_word":4133,"sentiment":"neutral","sentiment_score":-0.07018435001373291},{"text":"Again, I know it sounds insensitive.","start_word":4134,"end_word":4139,"sentiment":"negative","sentiment_score":-0.3805341124534607},{"text":"So I think Okay. Yeah. the insurance and and figuring out what we're gonna do with the money needs to go on hold until we know how much money we're gonna have. And what I'll do is I will have it in my calendar that I'm gonna contact you every three months and Okay. touch base with you on those so Yeah. we can talk about and just touch base. Just a funny voice to find out how you're going and check-in on you. Because Yeah.","start_word":4140,"end_word":4225,"sentiment":"neutral","sentiment_score":0.0857328325510025},{"text":"I know that losing our mom no matter how old we are, it hurts.","start_word":4226,"end_word":4239,"sentiment":"negative","sentiment_score":-0.3661311864852905},{"text":"And I'm sorry, darling. Yeah. It's okay. That's alright. Yeah. Now I guess with with respect to everything else, I do wanna do some changes to your super funds. Probably the biggest thing I wanna Yep. do first and foremost because there's just a couple of assets that I really wanna change around. Yep. But otherwise, is there is there anything specific that you want to look into as well aside from the insurance side of things? Because we we have to put that on hold. Like, I Yeah. just I can't, in good faith, go That's and undertake okay. that.","start_word":4240,"end_word":4340,"sentiment":"neutral","sentiment_score":0.002870533283394162},{"text":"Your super fund can't support it, and you can't cash flow support it.","start_word":4341,"end_word":4353,"sentiment":"negative","sentiment_score":-0.5668336749076843},{"text":"Yep. That's alright. Is there anything else that you wanna look into? Pickcoin. Bitcoin. I sent you an email back a few Oh, months did ago you? about, You did? yep, Yep. about back when we spoke with you in last year Okay. about available That sounds good. funds in I can send it to you again. I can forward it to Yeah. you. Sorry. That'd be good if you can. Yep. No. Of course. Of course. Yeah. Because inside your hub twenty four fund, there is no there's no Bitcoin that you can actually buy, but there are Bitcoin adjacent assets Alright. that basically, they they are the they are the companies that build the software that Bitcoin is mined on. What's that called again? Sorry, So Rosa. so they are the companies that build the software to mine Bitcoin. Okay. It's not Bitcoin specific. It's it's shares in companies that build software specific for, like, Bitcoin and stuff like that. Okay. Okay. So that's that's an avenue that that we can look at. I'll re I'll resend that Thank you. Yep. that email to you so you can have a look at it.","start_word":4354,"end_word":4548,"sentiment":"neutral","sentiment_score":0.03160649538040161},{"text":"Thank you.","start_word":4549,"end_word":4550,"sentiment":"positive","sentiment_score":0.3594737946987152},{"text":"And if you wanna go ahead, I can look at incorporating that into the investment in your super funds. Okay. What I'll do is I wanna I'm gonna do do a bit of research and have a look at how we can change your investments around. Okay. Now that I sort of hold, I guess, a bit more of a scope as to where we're sitting at the moment position wise and where we can actually head and what we can do, I can go ahead and get that research happening and reach out to you Yep. in a week. Yeah. Yep. And I can literally call you next Thursday to same time and Yep.","start_word":4551,"end_word":4665,"sentiment":"neutral","sentiment_score":0.1228686713654062},{"text":"go through and and explain the research and and just touch base with you then as well.","start_word":4666,"end_word":4682,"sentiment":"positive","sentiment_score":0.35080450773239136},{"text":"That'd Okay?","start_word":4683,"end_word":4684,"sentiment":"neutral","sentiment_score":0.2980588376522064},{"text":"be that'd be good.","start_word":4685,"end_word":4688,"sentiment":"positive","sentiment_score":0.49682849645614624},{"text":"Yep.","start_word":4689,"end_word":4689,"sentiment":"neutral","sentiment_score":0.3288884162902832},{"text":"Okay. Perfect. Well, I'll get cracking and start getting research happening.","start_word":4690,"end_word":4700,"sentiment":"positive","sentiment_score":0.6641517877578735},{"text":"I'll forward this email to you, Mhmm. and we will talk in a week, a week today. Okay. Okay. And Okay. same time? Alright. Or Yeah. Same time if if same time works for you, if yeah. same That's time okay. doesn't work for you, you let me Twelve. know. Yep. Yeah? Yep. Alright. Twelve Perfect. thirty is right. Yeah. Yep. That'd Alright.","start_word":4701,"end_word":4763,"sentiment":"neutral","sentiment_score":0.09343773126602171},{"text":"be good. Perfect.","start_word":4764,"end_word":4766,"sentiment":"positive","sentiment_score":0.36062881350517273},{"text":"Well, Okay I then. will I'll call you I'll call you Yep. then. Okay.","start_word":4767,"end_word":4780,"sentiment":"neutral","sentiment_score":0.12243327498435974},{"text":"Thank you very much, Melissa.","start_word":4781,"end_word":4785,"sentiment":"positive","sentiment_score":0.5737310647964478},{"text":"That's okay, Louise. We'll speak then. Okay.","start_word":4786,"end_word":4792,"sentiment":"neutral","sentiment_score":0.23095199465751648},{"text":"Thank Bye, you.","start_word":4793,"end_word":4795,"sentiment":"positive","sentiment_score":0.3360997140407562},{"text":"Tully. Bye.","start_word":4796,"end_word":4797,"sentiment":"neutral","sentiment_score":0.1673617660999298}],"average":{"sentiment":"neutral","sentiment_score":-0.03449069219141722}}}}