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So the loan contract has to be completely done, exchanged by the 08/10/2026. That is the cutoff for the loan. Mhmm. Yeah. Okay. Okay. Are you wanting to kinda go ahead with that? What what does that sort of mean for the decision that you're trying to make now? Yeah. No. That's okay. I just quickly pulled the legislation because I'm pretty sure I have that right, and that it it absolutely is. So, yeah, the new contract still has to be signed before the cutoff date. The settlement can happen afterwards, but all the loan stuff has to be sort of predone by that point. But it does mean moving forward, you can only have that one property. You can't kind of build on and have further properties in there. Mhmm. Yeah. You can close it down. There's nothing to stop you from closing yourself, many super funds down. There is a lot of logistics around doing it. It's not an easy process, but it can be done, and I have definitely done it before. Alternatively, you can also have investments within the SMS that you prefer to. So depending on how you guys wanna move forward, I'm more than happy to, you know, make more time to talk about what what your goals are in relation to it. But you can have, like, an investment portfolio very similar to what you have, Laura, in Hub 24. Inside an SMS desk, you can hold crypto. There's other things that you can hold. Alternatively, if it has been opened, it can be closed down. There are costs involved with closing it down. You probably can't close it down until you, you know, know what's happening with this property because it kind of is all sort of stuck there at the moment. But it can definitely be closed down. And then, obviously, Chris, depending on what you wanna do with everything, we can look at if you wanted to move forward that way, look at investing in, like, a retail super fund in a share portfolio. The other thing I would sort of consider, and one thing I talk to a lot of clients about with an SMSF, is that, you know, with having that loan, that property loan is generally for about thirty odd years depending on the terms that you've been approved on. When you get to retirement, we then normally have to sell the property and put the money into cash investment anyway. So because, realistically, if when you get to retirement, essentially, there is a minimum you have to draw down on a yearly basis, and quite often, property doesn't provide that. So more often than not, when we get to retirement, we are selling property anyway. A lot of people do have a loan that's still in retirement. They have to factor in and pay down as well. Some people are very lucky to have it all sold off, but you can close the SMS. There is nothing to say you can't. It's just a bit of a process to do so. We've closed down plenty in the past. It's, you know, something that you just need an account to sort of help you to be able to do. But it all does come down to what's gonna happen with that property, whether you're going to hold on to that one property and, you know, keep it going. Or if, you know, if the other thing was, did the broker say if you decide to go ahead with a different property, what does that mean for the loan that you have? Does he need to reassess or change that loan? Yep. Yes. Yes. Yes. Okay. Mhmm. Yeah. Of course. It's definitely a factor. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. No. Definitely. If you wanna send you anything through, ask me any questions, let me know. It's very limited to what I can sort of help to provide with regarding the SMSF at the moment because I don't have a lot of information about it. But, yeah, feel free to send through whatever you need, any questions you have, and I'll do my best to answer them. But, yeah, I just wanted to quickly touch base and let you know. I double check the legislation. So long as the loan is all in place beforehand, that's fine. And then it just comes down to, you know, where the properties are, the kind of growth you might be able to obtain from that, and also what your goals are, how you wanna proceed. Do you just, you know, wanna have do you wanna have a couple of different super funds? Do you think it's going to go ahead once it gets through court? What happens there as well? So I'd probably even be asking the, you know, the advisers those with the question because, realistically, if they've recommended these to you, they should be able to get the research and the information on the the possible outcome and likely to go ahead. Because my biggest question would be, if they're telling you that they can then sell that onto somebody else, who's gonna currently wanna buy a property where it's going to the court system and may not ever get built? So, yeah, I'd be sort of asking those sorts of questions as well to find out what the answers are. Yeah. Yep. Yeah. Yeah. At least we'll get your deposit back if it doesn't go ahead, so that'll be that'll be a good thing for you. And then if that doesn't go ahead, have they given you an idea on how long they're expecting that to go forward? Is there any kind of guidance around that? Nothing. Yep. Yep. Yep. So they still have a couple of years to decide what they're gonna do if it's gonna go ahead. Yeah. Yep. Yeah. Yeah. Oh god. Yeah. Interesting. Yes. Very, very interesting. But not Oh, no. Tough one. Yeah. Yeah. I mean yeah. Just look at where they're located. Do a bit of research around the areas, you know, what's gonna happen. Because I know Melbourne has had a bit of a pullback in, you know, property recently with all the changes going through. So just have a look at the difference of the areas and sort of see what they say about where they're located, what's around. You're sort of looking for, you know, whether jobs are gonna be sustainable, whether there's, you know, up and coming shopping centers where schools are located, parks. Is it gonna be a family friendly area? What's the likelihood of rental? You can utilize, like, the main and things like that to be able to look at rental yields of the expectation over the past couple of years and what sort of how that's grown to sort of see whether the expectation of that's gonna continue. But, yeah, realistically, when we're looking at property, we wanna understand where the property is located, where the jobs are being where the jobs are going to be developed in the area, whether there's schools and things that families like to enjoy because families are a big demographic, especially for property, whether there's up and coming shopping centers and things like that being built, and just sort of what is around the area. If there's not much there or if it has already been built and there's really nowhere for it to kind of go, is it likely to stay, or are there lots of shops that are empty in the area and the townships around all the villages around that? Because that also shows, you know, if there's a lot of empty shops, then with commercial properties not being able to be rented quickly, it does mean that the likelihood of it decreasing in value is much higher than, you know, increasing in value. Yeah. So there's a cup couple of things that I would sort of look at. But, yes, have a look at everything they've given you. Ask the questions of the advisers to see what they can tell you as well. And, yeah, I'm so sorry you've only got eight days, nine days to figure it out. I'm so sorry. No. That's yeah. No. That's okay. As you can imagine, we've been having a lot of these conversations over the past couple of weeks. It has been a lot of things that people have brought up and people are thinking, I'd love to go on SMSF, but then, you know, it's it's kind of gotta happen now or never. So it's one of those things that everyone's kinda having to make that decision on, but then the other side of it is at the end of the day, you're only gonna end up having one property. So then how do you diversify what happens within that? Do you then hold, you know, your other fund these other super funds on the side and have three super funds as a whole. I mean, you're gonna have to for a short period of time anyway. But, you know, long term, is that the only way to get diversification out of the property or out of your super and make sure things are growing in the way you want them to towards your goals. So there's a lot of a lot of things to think about there, and I'm so sorry. Yes. Absolutely. All good. Let me know how you go. And if you have anything else, let me know. Easy. Thanks, Laura. My pleasure. Have a great day. Bye. 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Laura. It's Dana again. So sorry. I just wanted to give you a heads up. I just pulled the legislation back up to reconfirm.\n\nSo the loan contract has to be completely done, exchanged by the 08/10/2026. That is the cutoff for the loan. Mhmm. Yeah. Okay.\n\nOkay. Are you wanting to kinda go ahead with that? What what does that sort of mean for the decision that you're trying to make now? Yeah. No.\n\nThat's okay. I just quickly pulled the legislation because I'm pretty sure I have that right, and that it it absolutely is. So, yeah, the new contract still has to be signed before the cutoff date. The settlement can happen afterwards, but all the loan stuff has to be sort of predone by that point. But it does mean moving forward, you can only have that one property.\n\nYou can't kind of build on and have further properties in there. Mhmm. Yeah. You can close it down. There's nothing to stop you from closing yourself, many super funds down.\n\nThere is a lot of logistics around doing it. It's not an easy process, but it can be done, and I have definitely done it before. Alternatively, you can also have investments within the SMS that you prefer to. So depending on how you guys wanna move forward, I'm more than happy to, you know, make more time to talk about what what your goals are in relation to it. But you can have, like, an investment portfolio very similar to what you have, Laura, in Hub 24.\n\nInside an SMS desk, you can hold crypto. There's other things that you can hold. Alternatively, if it has been opened, it can be closed down. There are costs involved with closing it down. You probably can't close it down until you, you know, know what's happening with this property because it kind of is all sort of stuck there at the moment.\n\nBut it can definitely be closed down. And then, obviously, Chris, depending on what you wanna do with everything, we can look at if you wanted to move forward that way, look at investing in, like, a retail super fund in a share portfolio. The other thing I would sort of consider, and one thing I talk to a lot of clients about with an SMSF, is that, you know, with having that loan, that property loan is generally for about thirty odd years depending on the terms that you've been approved on. When you get to retirement, we then normally have to sell the property and put the money into cash investment anyway. So because, realistically, if when you get to retirement, essentially, there is a minimum you have to draw down on a yearly basis, and quite often, property doesn't provide that.\n\nSo more often than not, when we get to retirement, we are selling property anyway. A lot of people do have a loan that's still in retirement. They have to factor in and pay down as well. Some people are very lucky to have it all sold off, but you can close the SMS. There is nothing to say you can't.\n\nIt's just a bit of a process to do so. We've closed down plenty in the past. It's, you know, something that you just need an account to sort of help you to be able to do. But it all does come down to what's gonna happen with that property, whether you're going to hold on to that one property and, you know, keep it going. Or if, you know, if the other thing was, did the broker say if you decide to go ahead with a different property, what does that mean for the loan that you have?\n\nDoes he need to reassess or change that loan? Yep. Yes. Yes. Yes.\n\nOkay. Mhmm. Yeah. Of course. It's definitely a factor.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nYeah. No. Definitely. If you wanna send you anything through, ask me any questions, let me know. It's very limited to what I can sort of help to provide with regarding the SMSF at the moment because I don't have a lot of information about it.\n\nBut, yeah, feel free to send through whatever you need, any questions you have, and I'll do my best to answer them. But, yeah, I just wanted to quickly touch base and let you know. I double check the legislation. So long as the loan is all in place beforehand, that's fine. And then it just comes down to, you know, where the properties are, the kind of growth you might be able to obtain from that, and also what your goals are, how you wanna proceed.\n\nDo you just, you know, wanna have do you wanna have a couple of different super funds? Do you think it's going to go ahead once it gets through court? What happens there as well? So I'd probably even be asking the, you know, the advisers those with the question because, realistically, if they've recommended these to you, they should be able to get the research and the information on the the possible outcome and likely to go ahead. Because my biggest question would be, if they're telling you that they can then sell that onto somebody else, who's gonna currently wanna buy a property where it's going to the court system and may not ever get built?\n\nSo, yeah, I'd be sort of asking those sorts of questions as well to find out what the answers are. Yeah. Yep. Yeah. Yeah.\n\nAt least we'll get your deposit back if it doesn't go ahead, so that'll be that'll be a good thing for you. And then if that doesn't go ahead, have they given you an idea on how long they're expecting that to go forward? Is there any kind of guidance around that? Nothing. Yep.\n\nYep. Yep. So they still have a couple of years to decide what they're gonna do if it's gonna go ahead. Yeah. Yep.\n\nYeah. Yeah. Oh god. Yeah. Interesting.\n\nYes. Very, very interesting. But not Oh, no. Tough one. Yeah.\n\nYeah. I mean yeah. Just look at where they're located. Do a bit of research around the areas, you know, what's gonna happen. Because I know Melbourne has had a bit of a pullback in, you know, property recently with all the changes going through.\n\nSo just have a look at the difference of the areas and sort of see what they say about where they're located, what's around. You're sort of looking for, you know, whether jobs are gonna be sustainable, whether there's, you know, up and coming shopping centers where schools are located, parks. Is it gonna be a family friendly area? What's the likelihood of rental? You can utilize, like, the main and things like that to be able to look at rental yields of the expectation over the past couple of years and what sort of how that's grown to sort of see whether the expectation of that's gonna continue.\n\nBut, yeah, realistically, when we're looking at property, we wanna understand where the property is located, where the jobs are being where the jobs are going to be developed in the area, whether there's schools and things that families like to enjoy because families are a big demographic, especially for property, whether there's up and coming shopping centers and things like that being built, and just sort of what is around the area. If there's not much there or if it has already been built and there's really nowhere for it to kind of go, is it likely to stay, or are there lots of shops that are empty in the area and the townships around all the villages around that? Because that also shows, you know, if there's a lot of empty shops, then with commercial properties not being able to be rented quickly, it does mean that the likelihood of it decreasing in value is much higher than, you know, increasing in value. Yeah. So there's a cup couple of things that I would sort of look at.\n\nBut, yes, have a look at everything they've given you. Ask the questions of the advisers to see what they can tell you as well. And, yeah, I'm so sorry you've only got eight days, nine days to figure it out. I'm so sorry. No.\n\nThat's yeah. No. That's okay. As you can imagine, we've been having a lot of these conversations over the past couple of weeks. It has been a lot of things that people have brought up and people are thinking, I'd love to go on SMSF, but then, you know, it's it's kind of gotta happen now or never.\n\nSo it's one of those things that everyone's kinda having to make that decision on, but then the other side of it is at the end of the day, you're only gonna end up having one property. So then how do you diversify what happens within that? Do you then hold, you know, your other fund these other super funds on the side and have three super funds as a whole. I mean, you're gonna have to for a short period of time anyway. But, you know, long term, is that the only way to get diversification out of the property or out of your super and make sure things are growing in the way you want them to towards your goals.\n\nSo there's a lot of a lot of things to think about there, and I'm so sorry. Yes. Absolutely. All good. Let me know how you go.\n\nAnd if you have anything else, let me know. Easy. Thanks, Laura. My pleasure. Have a great day.\n\nBye. See you.","paragraphs":[{"sentences":[{"text":"Hey, Laura.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":0.0591280534863472},{"text":"It's Dana again.","start":3.04,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.0591464564204216},{"text":"So sorry.","start":3.9199998,"end":4.56,"sentiment":"neutral","sentiment_score":-0.07581412978470325},{"text":"I just wanted to give you a heads up.","start":4.56,"end":6.3999996,"sentiment":"neutral","sentiment_score":-0.005867624034484227},{"text":"I just pulled the legislation back up to reconfirm.","start":6.3999996,"end":9.139999,"sentiment":"neutral","sentiment_score":0.053071806414259806}],"sentiment":"neutral","sentiment_score":0.022756194323301317,"num_words":25,"start":2.48,"end":9.139999},{"sentences":[{"text":"So the loan contract has to be completely done, exchanged by the 08/10/2026.","start":10.16,"end":18.405,"sentiment":"neutral","sentiment_score":0.03612317585457976},{"text":"That is the cutoff for the loan.","start":18.945,"end":20.805,"sentiment":"neutral","sentiment_score":-0.09543583009924207},{"text":"Mhmm.","start":28.225,"end":28.68,"sentiment":"neutral","sentiment_score":-0.038355737924575806},{"text":"Yeah.","start":31.24,"end":31.74,"sentiment":"neutral","sentiment_score":0.031231768429279327},{"text":"Okay.","start":35.96,"end":36.46,"sentiment":"neutral","sentiment_score":0.05631083622574806}],"sentiment":"neutral","sentiment_score":-0.006489680776291568,"num_words":23,"start":10.16,"end":36.46},{"sentences":[{"text":"Okay.","start":39.72,"end":40.22,"sentiment":"neutral","sentiment_score":0.0567975640296936},{"text":"Are you wanting to kinda go ahead with that?","start":41.415,"end":44.155,"sentiment":"neutral","sentiment_score":0.02162442873749468},{"text":"What what does that sort of mean for the decision that you're trying to make now?","start":44.215,"end":47.915,"sentiment":"neutral","sentiment_score":-0.17184458253905177},{"text":"Yeah.","start":51.575,"end":51.975,"sentiment":"neutral","sentiment_score":-0.0899382084608078},{"text":"No.","start":51.975,"end":52.135,"sentiment":"neutral","sentiment_score":-0.12951737642288208}],"sentiment":"neutral","sentiment_score":-0.09705541010147758,"num_words":28,"start":39.72,"end":52.135},{"sentences":[{"text":"That's okay.","start":52.135,"end":52.695,"sentiment":"neutral","sentiment_score":0.018326561257708818},{"text":"I just quickly pulled the legislation because I'm pretty sure I have that right, and that it it absolutely is.","start":52.695,"end":57.25,"sentiment":"neutral","sentiment_score":0.14811544083058834},{"text":"So, yeah, the new contract still has to be signed before the cutoff date.","start":57.25,"end":60.629997,"sentiment":"neutral","sentiment_score":0.041337842121720314},{"text":"The settlement can happen afterwards, but all the loan stuff has to be sort of predone by that point.","start":61.17,"end":67.509995,"sentiment":"neutral","sentiment_score":-0.05748099696479345},{"text":"But it does mean moving forward, you can only have that one property.","start":67.625,"end":71.244995,"sentiment":"neutral","sentiment_score":-0.11187507040225543}],"sentiment":"neutral","sentiment_score":0.015164365753983422,"num_words":68,"start":52.135,"end":71.244995},{"sentences":[{"text":"You can't kind of build on and have further properties in there.","start":71.305,"end":74.924995,"sentiment":"neutral","sentiment_score":-0.18805458272496858},{"text":"Mhmm.","start":84.68,"end":85.18,"sentiment":"neutral","sentiment_score":-0.2230464667081833},{"text":"Yeah.","start":95.995,"end":96.495,"sentiment":"neutral","sentiment_score":-0.16116464138031006},{"text":"You can close it down.","start":107.46,"end":109.56,"sentiment":"neutral","sentiment_score":-0.1826721429824829},{"text":"There's nothing to stop you from closing yourself, many super funds down.","start":109.700005,"end":113.06,"sentiment":"neutral","sentiment_score":-0.11769386318822701}],"sentiment":"neutral","sentiment_score":-0.16021139270836307,"num_words":31,"start":71.305,"end":113.06},{"sentences":[{"text":"There is a lot of logistics around doing it.","start":113.06,"end":115.22,"sentiment":"neutral","sentiment_score":-0.1198741387989786},{"text":"It's not an easy process, but it can be done, and I have definitely done it before.","start":115.22,"end":119.24,"sentiment":"positive","sentiment_score":0.3966027634108768},{"text":"Alternatively, you can also have investments within the SMS that you prefer to.","start":120.325,"end":125.604996,"sentiment":"neutral","sentiment_score":0.3054103816931064},{"text":"So depending on how you guys wanna move forward, I'm more than happy to, you know, make more time to talk about what what your goals are in relation to it.","start":125.604996,"end":133.38,"sentiment":"positive","sentiment_score":0.6160524295222375},{"text":"But you can have, like, an investment portfolio very similar to what you have, Laura, in Hub 24.","start":134.18001,"end":139.96,"sentiment":"neutral","sentiment_score":0.2824667874309752}],"sentiment":"positive","sentiment_score":0.38426979749717494,"num_words":88,"start":113.06,"end":139.96},{"sentences":[{"text":"Inside an SMS desk, you can hold crypto.","start":140.5,"end":143.48001,"sentiment":"neutral","sentiment_score":0.1938999965786934},{"text":"There's other things that you can hold.","start":144.1,"end":145.78,"sentiment":"neutral","sentiment_score":0.16846793677125657},{"text":"Alternatively, if it has been opened, it can be closed down.","start":145.78,"end":149.785,"sentiment":"neutral","sentiment_score":0.0338121581483971},{"text":"There are costs involved with closing it down.","start":149.785,"end":151.945,"sentiment":"neutral","sentiment_score":-0.2985139135271311},{"text":"You probably can't close it down until you, you know, know what's happening with this property because it kind of is all sort of stuck there at the moment.","start":151.945,"end":159.245,"sentiment":"neutral","sentiment_score":-0.19540594826484547}],"sentiment":"neutral","sentiment_score":-0.07861070695614057,"num_words":63,"start":140.5,"end":159.245},{"sentences":[{"text":"But it can definitely be closed down.","start":160.27,"end":162.37001,"sentiment":"neutral","sentiment_score":0.1673426010778972},{"text":"And then, obviously, Chris, depending on what you wanna do with everything, we can look at if you wanted to move forward that way, look at investing in, like, a retail super fund in a share portfolio.","start":163.23001,"end":173.01001,"sentiment":"neutral","sentiment_score":0.18439728625722834},{"text":"The other thing I would sort of consider, and one thing I talk to a lot of clients about with an SMSF, is that, you know, with having that loan, that property loan is generally for about thirty odd years depending on the terms that you've been approved on.","start":173.55501,"end":187.815,"sentiment":"neutral","sentiment_score":0.038629596634786954},{"text":"When you get to retirement, we then normally have to sell the property and put the money into cash investment anyway.","start":188.15001,"end":195.21,"sentiment":"neutral","sentiment_score":-0.05362271482036227},{"text":"So because, realistically, if when you get to retirement, essentially, there is a minimum you have to draw down on a yearly basis, and quite often, property doesn't provide that.","start":195.75,"end":206.525,"sentiment":"neutral","sentiment_score":-0.1679455079138279}],"sentiment":"neutral","sentiment_score":0.025850734621700313,"num_words":144,"start":160.27,"end":206.525},{"sentences":[{"text":"So more often than not, when we get to retirement, we are selling property anyway.","start":206.985,"end":210.765,"sentiment":"neutral","sentiment_score":-0.08798281575242678},{"text":"A lot of people do have a loan that's still in retirement.","start":211.065,"end":213.705,"sentiment":"neutral","sentiment_score":0.1059958094265312},{"text":"They have to factor in and pay down as well.","start":213.705,"end":215.785,"sentiment":"neutral","sentiment_score":-0.09689239412546158},{"text":"Some people are very lucky to have it all sold off, but you can close the SMS.","start":215.785,"end":221.14,"sentiment":"neutral","sentiment_score":0.11954018079182681},{"text":"There is nothing to say you can't.","start":221.2,"end":222.8,"sentiment":"neutral","sentiment_score":-0.061291202902793884}],"sentiment":"neutral","sentiment_score":0.009613576864243531,"num_words":61,"start":206.985,"end":222.8},{"sentences":[{"text":"It's just a bit of a process to do so.","start":222.8,"end":225.12001,"sentiment":"neutral","sentiment_score":-0.009424685686826705},{"text":"We've closed down plenty in the past.","start":225.12001,"end":227.14,"sentiment":"neutral","sentiment_score":0.01740324585781699},{"text":"It's, you know, something that you just need an account to sort of help you to be able to do.","start":227.52,"end":232.755,"sentiment":"neutral","sentiment_score":0.02570005804300308},{"text":"But it all does come down to what's gonna happen with that property, whether you're going to hold on to that one property and, you know, keep it going.","start":232.99501,"end":240.455,"sentiment":"neutral","sentiment_score":-0.03919977951666404},{"text":"Or if, you know, if the other thing was, did the broker say if you decide to go ahead with a different property, what does that mean for the loan that you have?","start":240.755,"end":249.18,"sentiment":"neutral","sentiment_score":-0.07805668393319304}],"sentiment":"neutral","sentiment_score":-0.03203118334123348,"num_words":99,"start":222.8,"end":249.18},{"sentences":[{"text":"Does he need to reassess or change that loan?","start":249.18,"end":251.76,"sentiment":"neutral","sentiment_score":-0.08706548561652501},{"text":"Yep.","start":261.9,"end":262.275,"sentiment":"neutral","sentiment_score":0.08163124322891235},{"text":"Yes.","start":262.995,"end":263.495,"sentiment":"neutral","sentiment_score":0.10889676958322524},{"text":"Yes.","start":272.26498,"end":272.51498,"sentiment":"neutral","sentiment_score":0.1438295543193817},{"text":"Yes.","start":272.51498,"end":273.01498,"sentiment":"neutral","sentiment_score":0.15944533050060272}],"sentiment":"neutral","sentiment_score":-0.02229126714743101,"num_words":13,"start":249.18,"end":273.01498},{"sentences":[{"text":"Okay.","start":275.715,"end":276.215,"sentiment":"neutral","sentiment_score":-0.09150315076112749},{"text":"Mhmm.","start":280.49,"end":280.99,"sentiment":"neutral","sentiment_score":-0.17596140503883362},{"text":"Yeah.","start":296.605,"end":296.765,"sentiment":"neutral","sentiment_score":-0.04941730201244354},{"text":"Of course.","start":296.765,"end":297.245,"sentiment":"neutral","sentiment_score":-0.07660024054348469},{"text":"It's definitely a factor.","start":297.245,"end":298.625,"sentiment":"neutral","sentiment_score":-0.0021442724391818047}],"sentiment":"neutral","sentiment_score":-0.05318438096178903,"num_words":9,"start":275.715,"end":298.625},{"sentences":[{"text":"Yeah.","start":299.005,"end":299.505,"sentiment":"neutral","sentiment_score":-0.02869403548538685},{"text":"Yeah.","start":299.725,"end":300.225,"sentiment":"neutral","sentiment_score":-0.017521977424621582},{"text":"Yeah.","start":300.845,"end":301.345,"sentiment":"neutral","sentiment_score":-0.06775778532028198},{"text":"Yep.","start":307.34,"end":307.84,"sentiment":"neutral","sentiment_score":-0.026977818459272385},{"text":"Yeah.","start":311.02002,"end":311.5,"sentiment":"neutral","sentiment_score":0.013986971229314804}],"sentiment":"neutral","sentiment_score":-0.0253929290920496,"num_words":5,"start":299.005,"end":311.5},{"sentences":[{"text":"Yeah.","start":311.5,"end":311.82,"sentiment":"neutral","sentiment_score":-0.01795528642833233},{"text":"No.","start":311.82,"end":312.22,"sentiment":"neutral","sentiment_score":-0.0778813362121582},{"text":"Definitely.","start":312.22,"end":312.72,"sentiment":"neutral","sentiment_score":-0.020201552659273148},{"text":"If you wanna send you anything through, ask me any questions, let me know.","start":312.86002,"end":316.72,"sentiment":"neutral","sentiment_score":0.1209244148007461},{"text":"It's very limited to what I can sort of help to provide with regarding the SMSF at the moment because I don't have a lot of information about it.","start":316.78,"end":324.115,"sentiment":"neutral","sentiment_score":-0.23450612225409212}],"sentiment":"neutral","sentiment_score":-0.11356030246647804,"num_words":46,"start":311.5,"end":324.115},{"sentences":[{"text":"But, yeah, feel free to send through whatever you need, any questions you have, and I'll do my best to answer them.","start":324.175,"end":329.535,"sentiment":"positive","sentiment_score":0.4061110920526765},{"text":"But, yeah, I just wanted to quickly touch base and let you know.","start":329.535,"end":332.04,"sentiment":"positive","sentiment_score":0.38458993572455186},{"text":"I double check the legislation.","start":332.12,"end":333.5,"sentiment":"neutral","sentiment_score":0.258132404088974},{"text":"So long as the loan is all in place beforehand, that's fine.","start":333.80002,"end":337.82,"sentiment":"positive","sentiment_score":0.3948714037736257},{"text":"And then it just comes down to, you know, where the properties are, the kind of growth you might be able to obtain from that, and also what your goals are, how you wanna proceed.","start":338.12,"end":348.39502,"sentiment":"positive","sentiment_score":0.36276491624968393}],"sentiment":"positive","sentiment_score":0.3754023462533951,"num_words":87,"start":324.175,"end":348.39502},{"sentences":[{"text":"Do you just, you know, wanna have do you wanna have a couple of different super funds?","start":348.535,"end":352.855,"sentiment":"neutral","sentiment_score":0.10766474113744848},{"text":"Do you think it's going to go ahead once it gets through court?","start":352.855,"end":356.21503,"sentiment":"neutral","sentiment_score":0.03172470686527399},{"text":"What happens there as well?","start":356.21503,"end":357.89502,"sentiment":"neutral","sentiment_score":-0.044443946331739426},{"text":"So I'd probably even be asking the, you know, the advisers those with the question because, realistically, if they've recommended these to you, they should be able to get the research and the information on the the possible outcome and likely to go ahead.","start":357.89502,"end":373.005,"sentiment":"neutral","sentiment_score":0.05115575670722385},{"text":"Because my biggest question would be, if they're telling you that they can then sell that onto somebody else, who's gonna currently wanna buy a property where it's going to the court system and may not ever get built?","start":373.005,"end":384.285,"sentiment":"negative","sentiment_score":-0.3580167094866435}],"sentiment":"neutral","sentiment_score":-0.08212962981300642,"num_words":118,"start":348.535,"end":384.285},{"sentences":[{"text":"So, yeah, I'd be sort of asking those sorts of questions as well to find out what the answers are.","start":384.285,"end":389.31,"sentiment":"neutral","sentiment_score":-0.06887333318591118},{"text":"Yeah.","start":389.31,"end":389.81,"sentiment":"neutral","sentiment_score":-0.1259637475013733},{"text":"Yep.","start":399.305,"end":399.805,"sentiment":"neutral","sentiment_score":-0.09223844856023788},{"text":"Yeah.","start":409.305,"end":409.465,"sentiment":"neutral","sentiment_score":0.00008576363325119019},{"text":"Yeah.","start":409.465,"end":409.945,"sentiment":"neutral","sentiment_score":-0.03016653284430504}],"sentiment":"neutral","sentiment_score":-0.06773956787462036,"num_words":24,"start":384.285,"end":409.945},{"sentences":[{"text":"At least we'll get your deposit back if it doesn't go ahead, so that'll be that'll be a good thing for you.","start":409.945,"end":414.72,"sentiment":"positive","sentiment_score":0.5726985335350037},{"text":"And then if that doesn't go ahead, have they given you an idea on how long they're expecting that to go forward?","start":414.88,"end":419.92,"sentiment":"neutral","sentiment_score":0.035685253964567724},{"text":"Is there any kind of guidance around that?","start":419.92,"end":422.1,"sentiment":"neutral","sentiment_score":-0.00010885717347264333},{"text":"Nothing.","start":426.64,"end":426.72,"sentiment":"neutral","sentiment_score":-0.07003727555274963},{"text":"Yep.","start":426.72,"end":427.22,"sentiment":"neutral","sentiment_score":-0.01471267268061638}],"sentiment":"neutral","sentiment_score":0.24627449109943378,"num_words":54,"start":409.945,"end":427.22},{"sentences":[{"text":"Yep.","start":433.495,"end":433.995,"sentiment":"neutral","sentiment_score":0.03665092960000038},{"text":"Yep.","start":434.215,"end":434.695,"sentiment":"neutral","sentiment_score":0.03369683772325516},{"text":"So they still have a couple of years to decide what they're gonna do if it's gonna go ahead.","start":434.695,"end":439.195,"sentiment":"neutral","sentiment_score":-0.036788524765717354},{"text":"Yeah.","start":439.335,"end":439.835,"sentiment":"neutral","sentiment_score":0.04021095857024193},{"text":"Yep.","start":443.41498,"end":443.82,"sentiment":"neutral","sentiment_score":0.044526487588882446}],"sentiment":"neutral","sentiment_score":-0.02364768508983695,"num_words":23,"start":433.495,"end":443.82},{"sentences":[{"text":"Yeah.","start":455.5,"end":456.0,"sentiment":"neutral","sentiment_score":-0.014114100486040115},{"text":"Yeah.","start":457.945,"end":458.445,"sentiment":"neutral","sentiment_score":-0.02440988272428513},{"text":"Oh god.","start":464.505,"end":465.325,"sentiment":"neutral","sentiment_score":-0.20851111412048337},{"text":"Yeah.","start":473.89,"end":474.39,"sentiment":"neutral","sentiment_score":-0.05738567188382149},{"text":"Interesting.","start":474.61002,"end":475.11002,"sentiment":"neutral","sentiment_score":-0.034411389380693436}],"sentiment":"neutral","sentiment_score":-0.09122387878596783,"num_words":6,"start":455.5,"end":475.11002},{"sentences":[{"text":"Yes.","start":475.57,"end":476.07,"sentiment":"neutral","sentiment_score":0.01819630339741707},{"text":"Very, very interesting.","start":476.21002,"end":477.35,"sentiment":"neutral","sentiment_score":0.011363554745912552},{"text":"But not Oh, no.","start":477.89,"end":483.99002,"sentiment":"neutral","sentiment_score":-0.2337808609008789},{"text":"Tough one.","start":484.29,"end":485.19,"sentiment":"negative","sentiment_score":-0.35380254685878754},{"text":"Yeah.","start":492.67502,"end":492.995,"sentiment":"neutral","sentiment_score":0.018488585948944092}],"sentiment":"neutral","sentiment_score":-0.14290481670336289,"num_words":11,"start":475.57,"end":492.995},{"sentences":[{"text":"Yeah.","start":492.995,"end":493.23502,"sentiment":"neutral","sentiment_score":0.026140574365854263},{"text":"I mean yeah.","start":493.23502,"end":493.795,"sentiment":"neutral","sentiment_score":0.018200806031624477},{"text":"Just look at where they're located.","start":493.795,"end":495.255,"sentiment":"neutral","sentiment_score":0.015763505672415096},{"text":"Do a bit of research around the areas, you know, what's gonna happen.","start":496.355,"end":499.68,"sentiment":"neutral","sentiment_score":-0.00033320343265166543},{"text":"Because I know Melbourne has had a bit of a pullback in, you know, property recently with all the changes going through.","start":499.75998,"end":505.62,"sentiment":"neutral","sentiment_score":-0.06935916984961792}],"sentiment":"neutral","sentiment_score":-0.030109096773796612,"num_words":45,"start":492.995,"end":505.62},{"sentences":[{"text":"So just have a look at the difference of the areas and sort of see what they say about where they're located, what's around.","start":506.16,"end":513.04,"sentiment":"neutral","sentiment_score":0.028478065350403387},{"text":"You're sort of looking for, you know, whether jobs are gonna be sustainable, whether there's, you know, up and coming shopping centers where schools are located, parks.","start":513.04,"end":521.225,"sentiment":"neutral","sentiment_score":0.05793762496776051},{"text":"Is it gonna be a family friendly area?","start":521.225,"end":523.325,"sentiment":"neutral","sentiment_score":0.1215909169986844},{"text":"What's the likelihood of rental?","start":523.705,"end":525.245,"sentiment":"neutral","sentiment_score":0.09075275212526321},{"text":"You can utilize, like, the main and things like that to be able to look at rental yields of the expectation over the past couple of years and what sort of how that's grown to sort of see whether the expectation of that's gonna continue.","start":526.02496,"end":538.68,"sentiment":"neutral","sentiment_score":0.12091770271460216}],"sentiment":"neutral","sentiment_score":0.08362914826891837,"num_words":109,"start":506.16,"end":538.68},{"sentences":[{"text":"But, yeah, realistically, when we're looking at property, we wanna understand where the property is located, where the jobs are being where the jobs are going to be developed in the area, whether there's schools and things that families like to enjoy because families are a big demographic, especially for property, whether there's up and coming shopping centers and things like that being built, and just sort of what is around the area.","start":540.34,"end":563.79004,"sentiment":"neutral","sentiment_score":0.05605623547038804},{"text":"If there's not much there or if it has already been built and there's really nowhere for it to kind of go, is it likely to stay, or are there lots of shops that are empty in the area and the townships around all the villages around that?","start":563.79004,"end":576.945,"sentiment":"neutral","sentiment_score":-0.11330929514952004},{"text":"Because that also shows, you know, if there's a lot of empty shops, then with commercial properties not being able to be rented quickly, it does mean that the likelihood of it decreasing in value is much higher than, you know, increasing in value.","start":576.945,"end":594.01,"sentiment":"negative","sentiment_score":-0.36255071887915785},{"text":"Yeah.","start":594.07,"end":594.57,"sentiment":"neutral","sentiment_score":0.07129214704036713},{"text":"So there's a cup couple of things that I would sort of look at.","start":595.28503,"end":598.425,"sentiment":"neutral","sentiment_score":0.06482519475477082}],"sentiment":"neutral","sentiment_score":-0.09066737630508012,"num_words":180,"start":540.34,"end":598.425},{"sentences":[{"text":"But, yes, have a look at everything they've given you.","start":598.645,"end":601.125,"sentiment":"neutral","sentiment_score":0.11276994682848454},{"text":"Ask the questions of the advisers to see what they can tell you as well.","start":601.125,"end":605.065,"sentiment":"neutral","sentiment_score":0.05289833645025889},{"text":"And, yeah, I'm so sorry you've only got eight days, nine days to figure it out.","start":605.365,"end":609.385,"sentiment":"neutral","sentiment_score":-0.22641523415222764},{"text":"I'm so sorry.","start":610.86,"end":615.12,"sentiment":"neutral","sentiment_score":0.11510138586163521},{"text":"No.","start":615.5,"end":615.66,"sentiment":"neutral","sentiment_score":-0.054544780403375626}],"sentiment":"neutral","sentiment_score":-0.031349107871452966,"num_words":45,"start":598.645,"end":615.66},{"sentences":[{"text":"That's yeah.","start":615.66,"end":617.18,"sentiment":"neutral","sentiment_score":-0.02583970967680216},{"text":"No.","start":617.18,"end":617.33997,"sentiment":"neutral","sentiment_score":-0.03905558213591576},{"text":"That's okay.","start":617.33997,"end":617.98,"sentiment":"neutral","sentiment_score":0.06735401973128319},{"text":"As you can imagine, we've been having a lot of these conversations over the past couple of weeks.","start":617.98,"end":622.39996,"sentiment":"neutral","sentiment_score":0.07555205788877276},{"text":"It has been a lot of things that people have brought up and people are thinking, I'd love to go on SMSF, but then, you know, it's it's kind of gotta happen now or never.","start":622.77997,"end":631.275,"sentiment":"neutral","sentiment_score":0.08876377823097366}],"sentiment":"neutral","sentiment_score":0.0777696951388799,"num_words":58,"start":615.66,"end":631.275},{"sentences":[{"text":"So it's one of those things that everyone's kinda having to make that decision on, but then the other side of it is at the end of the day, you're only gonna end up having one property.","start":631.275,"end":640.9,"sentiment":"neutral","sentiment_score":0.09748242634373742},{"text":"So then how do you diversify what happens within that?","start":641.2,"end":644.4,"sentiment":"neutral","sentiment_score":0.07888594754040242},{"text":"Do you then hold, you know, your other fund these other super funds on the side and have three super funds as a whole.","start":644.4,"end":651.585,"sentiment":"neutral","sentiment_score":0.0653900991504391},{"text":"I mean, you're gonna have to for a short period of time anyway.","start":651.585,"end":654.085,"sentiment":"neutral","sentiment_score":0.04504882372342623},{"text":"But, you know, long term, is that the only way to get diversification out of the property or out of your super and make sure things are growing in the way you want them to towards your goals.","start":654.42505,"end":665.33,"sentiment":"neutral","sentiment_score":0.19556743416347003}],"sentiment":"neutral","sentiment_score":0.11460876095368237,"num_words":122,"start":631.275,"end":665.33},{"sentences":[{"text":"So there's a lot of a lot of things to think about there, and I'm so sorry.","start":665.39,"end":669.41,"sentiment":"neutral","sentiment_score":0.03496465492336189},{"text":"Yes.","start":675.39,"end":675.89,"sentiment":"neutral","sentiment_score":0.22442744672298431},{"text":"Absolutely.","start":676.86096,"end":677.36096,"sentiment":"positive","sentiment_score":0.45466792583465576},{"text":"All good.","start":677.74097,"end":678.1409,"sentiment":"positive","sentiment_score":0.6233659386634827},{"text":"Let me know how you go.","start":678.1409,"end":679.261,"sentiment":"positive","sentiment_score":0.5522497793038686}],"sentiment":"neutral","sentiment_score":0.21606389108907292,"num_words":27,"start":665.39,"end":679.261},{"sentences":[{"text":"And if you have anything else, let me know.","start":679.261,"end":681.18097,"sentiment":"neutral","sentiment_score":0.31742367810673183},{"text":"Easy.","start":681.18097,"end":681.68097,"sentiment":"positive","sentiment_score":0.3414188623428345},{"text":"Thanks, Laura.","start":682.941,"end":683.90094,"sentiment":"positive","sentiment_score":0.8074079751968384},{"text":"My pleasure.","start":683.90094,"end":684.54095,"sentiment":"positive","sentiment_score":0.7274800837039948},{"text":"Have a great day.","start":684.54095,"end":685.34094,"sentiment":"positive","sentiment_score":0.8045699894428253}],"sentiment":"positive","sentiment_score":0.5270160022709105,"num_words":18,"start":679.261,"end":685.34094},{"sentences":[{"text":"Bye.","start":685.34094,"end":685.58093,"sentiment":"positive","sentiment_score":0.5007474422454834},{"text":"See you.","start":685.58093,"end":686.321,"sentiment":"positive","sentiment_score":0.5686578154563904}],"sentiment":"positive","sentiment_score":0.546021024386088,"num_words":3,"start":685.34094,"end":686.321}]}}]},{"alternatives":[{"transcript":"Hello. Laura speaking. So we just spoke to our broker and he said because we've already got, obviously, for the previous loan or the previous year, for the current unit, I should say, because we've already got our self managed super fund, everything set up for it, all we have to do is pretty much have the contract signed. No idea. We just got off the phone to him, so we have no idea. Well Yeah. So the the other problem is too is if we don't so, like, say if we were like, no. We prefer the current unit, which is in Hyatt in Melbourne, and we were just gonna cross our fingers and hope it goes ahead. If it then doesn't, it means we've lost our opportunity, and we've got a self managed super fund for no reason. But sorry. What are you thinking, Chris? We just have to get them to manage our self managed super fund and invested in Some other way. Yeah. Just get us. Okay. Yeah. Yep. Yes. Yes. He didn't make a comment. No. He just said that everything was already set up, ready to go as long as he had a signed contract before the night or on or before the night. Yeah. Then everything else is set up already for the current place. So there wouldn't be any issues, he said. Yeah. Because, like, a concern that we have is if we wait for this Hyatt property and it falls through and it can't get built, we then lost our opportunity to build. But if we do go with another property, it's more expensive, and they're not as good. Like, they're further out of Melbourne. They're just not as good property. Yeah. So we at this stage, we haven't had a chance to sorta I guess we're gonna relook at the options that they've sent through and try and make a decision. Yes. Yep. I think that they what they're telling us is if it does go ahead, then they can on sell to someone else, and then that that whoever else would pay the deposit, and we'd get our deposit back because it's been approved to get billed. And if it doesn't, then the sunset clause kicks in and you get your deposit back. Yep. Not at all. It's sunset course since 2029, and it's been two years. So it would have been a five year sunset course period. Yeah. Really? So the builder obviously wants to build it. It's just for the court. Like, it's in the court. So they had all the permits approved and everything, but then the the rail or the government has got concerns all of a sudden. I don't know how your permit gets approved and then but, anyway, it's like, the pour's already been done. There's, like, a 300 tube pour done in Melbourne already. So it's a big hole in the ground. All concrete's done. And so I don't know what they would do if they don't go ahead, fill the hole, and then Yeah. I don't know. I don't know. Who knows? But, yeah, we've got, like, eight days or something to Make a decision. Make a decision and Yeah. But we'll relook at the properties, see what we think, and, yeah, go from there, I guess. Mhmm. Yeah. Yes. Yeah. Yeah. Okay. Yep. That makes sense. Yep. Sorry. Thank you for telling us that that we actually knew. Yeah. We've prepared that part because otherwise, we wouldn't have had a clue. Yep. Yes. Yeah. Exactly. Yep. Yep. Yeah. No worries. That's okay. Thank you for your help. If we do have any questions, yeah, I'll send you an email and, yeah, keep in touch. Yeah. Will do. Thank you so much. Bye. You too. See you. 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Laura speaking. So we just spoke to our broker and he said because we've already got, obviously, for the previous loan or the previous year, for the current unit, I should say, because we've already got our self managed super fund, everything set up for it, all we have to do is pretty much have the contract signed. No idea. We just got off the phone to him, so we have no idea.\n\nWell Yeah. So the the other problem is too is if we don't so, like, say if we were like, no. We prefer the current unit, which is in Hyatt in Melbourne, and we were just gonna cross our fingers and hope it goes ahead. If it then doesn't, it means we've lost our opportunity, and we've got a self managed super fund for no reason. But sorry.\n\nWhat are you thinking, Chris? We just have to get them to manage our self managed super fund and invested in Some other way. Yeah. Just get us. Okay.\n\nYeah. Yep. Yes. Yes. He didn't make a comment.\n\nNo. He just said that everything was already set up, ready to go as long as he had a signed contract before the night or on or before the night. Yeah. Then everything else is set up already for the current place. So there wouldn't be any issues, he said.\n\nYeah. Because, like, a concern that we have is if we wait for this Hyatt property and it falls through and it can't get built, we then lost our opportunity to build. But if we do go with another property, it's more expensive, and they're not as good. Like, they're further out of Melbourne. They're just not as good property.\n\nYeah. So we at this stage, we haven't had a chance to sorta I guess we're gonna relook at the options that they've sent through and try and make a decision. Yes. Yep. I think that they what they're telling us is if it does go ahead, then they can on sell to someone else, and then that that whoever else would pay the deposit, and we'd get our deposit back because it's been approved to get billed.\n\nAnd if it doesn't, then the sunset clause kicks in and you get your deposit back. Yep. Not at all. It's sunset course since 2029, and it's been two years. So it would have been a five year sunset course period.\n\nYeah. Really? So the builder obviously wants to build it. It's just for the court. Like, it's in the court.\n\nSo they had all the permits approved and everything, but then the the rail or the government has got concerns all of a sudden. I don't know how your permit gets approved and then but, anyway, it's like, the pour's already been done. There's, like, a 300 tube pour done in Melbourne already. So it's a big hole in the ground. All concrete's done.\n\nAnd so I don't know what they would do if they don't go ahead, fill the hole, and then Yeah. I don't know. I don't know. Who knows? But, yeah, we've got, like, eight days or something to Make a decision.\n\nMake a decision and Yeah. But we'll relook at the properties, see what we think, and, yeah, go from there, I guess. Mhmm. Yeah. Yes.\n\nYeah. Yeah. Okay. Yep. That makes sense.\n\nYep. Sorry. Thank you for telling us that that we actually knew. Yeah. We've prepared that part because otherwise, we wouldn't have had a clue.\n\nYep. Yes. Yeah. Exactly. Yep.\n\nYep. Yeah. No worries. That's okay. Thank you for your help.\n\nIf we do have any questions, yeah, I'll send you an email and, yeah, keep in touch. Yeah. Will do. Thank you so much. Bye.\n\nYou too. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.014107964932918549},{"text":"Laura speaking.","start":1.28,"end":2.02,"sentiment":"neutral","sentiment_score":0.010188952554017305},{"text":"So we just spoke to our broker and he said because we've already got, obviously, for the previous loan or the previous year, for the current unit, I should say, because we've already got our self managed super fund, everything set up for it, all we have to do is pretty much have the contract signed.","start":21.615,"end":38.89,"sentiment":"neutral","sentiment_score":0.022251875971310904},{"text":"No idea.","start":46.435,"end":47.255,"sentiment":"negative","sentiment_score":-0.37843064963817596},{"text":"We just got off the phone to him, so we have no 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worries.","start":669.985,"end":670.305,"sentiment":"neutral","sentiment_score":0.09697879105806351},{"text":"That's okay.","start":670.305,"end":670.945,"sentiment":"neutral","sentiment_score":0.28562068194150925},{"text":"Thank you for your help.","start":670.945,"end":672.085,"sentiment":"positive","sentiment_score":0.6189889311790466}],"sentiment":"positive","sentiment_score":0.3551524664190682,"num_words":11,"start":665.745,"end":672.085},{"sentences":[{"text":"If we do have any questions, yeah, I'll send you an email and, yeah, keep in touch.","start":672.22504,"end":675.99,"sentiment":"neutral","sentiment_score":0.2723817150382435},{"text":"Yeah.","start":681.35,"end":681.58997,"sentiment":"neutral","sentiment_score":0.29769647121429443},{"text":"Will do.","start":681.58997,"end":682.23,"sentiment":"positive","sentiment_score":0.4437033385038376},{"text":"Thank you so much.","start":682.23,"end":683.37,"sentiment":"positive","sentiment_score":0.6084264069795609},{"text":"Bye.","start":683.99,"end":684.49,"sentiment":"positive","sentiment_score":0.6382619142532349}],"sentiment":"positive","sentiment_score":0.3555023938417435,"num_words":25,"start":672.22504,"end":684.49},{"sentences":[{"text":"You too.","start":685.83,"end":686.47,"sentiment":"positive","sentiment_score":0.3937417268753052},{"text":"See you.","start":686.47,"end":687.11,"sentiment":"positive","sentiment_score":0.3345702886581421},{"text":"Bye.","start":687.11,"end":687.61,"sentiment":"neutral","sentiment_score":-0.09605539590120316}],"sentiment":"neutral","sentiment_score":0.2721137270331383,"num_words":5,"start":685.83,"end":687.61}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Laura speaking.\n\nChannel 0: Hey, Laura. It's Dana again. So sorry. I just wanted to give you a heads up. I just pulled the legislation back up to reconfirm.\n\nSo the loan contract has to be completely done, exchanged by the 08/10/2026. That is the cutoff for the loan.\n\nChannel 1: So we just spoke to our broker and he said because we've already got, obviously, for the previous loan or the\n\nChannel 0: Mhmm.\n\nChannel 1: previous year, for the current unit, I should say, because\n\nChannel 0: Yeah.\n\nChannel 1: we've already got our self managed super fund, everything set up for it, all we have to\n\nChannel 0: Okay.\n\nChannel 1: do is pretty much have the contract signed.\n\nChannel 0: Okay. Are you wanting to kinda go ahead with that? What what does that sort of mean for the decision that\n\nChannel 1: No\n\nChannel 0: you're\n\nChannel 1: idea.\n\nChannel 0: trying to make now?\n\nChannel 1: We just got off the phone to him, so we have no idea.\n\nChannel 0: Yeah. No. That's okay. I just quickly pulled the legislation\n\nChannel 1: Well\n\nChannel 0: because I'm pretty sure I have that right, and that it it absolutely is. So, yeah, the new contract still has to be signed before the cutoff date. The settlement can happen afterwards, but all the loan stuff has to be sort of predone by that point. But it does mean moving forward, you can only have that one property. You can't kind of build on and have further properties in there.\n\nChannel 1: Yeah. So the the other problem is too is if we don't so, like, say if we were like, no. We prefer the current unit, which is in Hyatt in Melbourne,\n\nChannel 0: Mhmm.\n\nChannel 1: and we were just gonna cross our fingers and hope it goes ahead. If it then doesn't, it means we've lost our opportunity, and we've got a self managed super fund for no reason.\n\nChannel 0: Yeah.\n\nChannel 1: But sorry. What are you thinking, Chris? We just have to get them to manage our self managed super fund and invested in Some other way. Yeah. Just get\n\nChannel 0: You\n\nChannel 1: us.\n\nChannel 0: can close it down. There's nothing to stop you from closing yourself, many super funds down. There is a lot of logistics around doing it. It's not an easy process, but it can be done, and I have definitely done it before.\n\nChannel 1: Okay.\n\nChannel 0: Alternatively, you can also have investments within the SMS that you prefer to. So depending on how you guys wanna move forward, I'm more than happy to, you know, make more time to talk about what what your goals are in relation to it. But you can have, like, an investment portfolio very similar to what you have, Laura, in Hub 24. Inside an SMS desk, you can hold crypto. There's other things that you can hold.\n\nAlternatively, if it has been opened, it can be closed down. There are costs involved with closing it down. You probably can't close it down until you, you know, know what's happening with this property because it kind of is all sort of stuck there at\n\nChannel 1: Yeah.\n\nChannel 0: the moment.\n\nChannel 1: Yep.\n\nChannel 0: But it can definitely be closed down. And then, obviously, Chris, depending on what you wanna do with everything, we can look at if you wanted to move forward that way, look at investing in, like, a retail super fund in a share portfolio. The other thing I would sort of consider, and one thing I talk to a lot of clients about with an SMSF, is that, you know, with having that loan, that property loan is generally for about thirty odd years depending on the terms that you've been approved on. When you get to retirement, we then normally have to sell the property and put the money into cash investment anyway. So because, realistically, if when you get to retirement, essentially, there is a minimum you have to draw down on a yearly basis, and quite often, property doesn't provide that.\n\nSo more often than not, when we get to retirement, we are selling property anyway. A lot of people\n\nChannel 1: Yes.\n\nChannel 0: do have a loan that's still in retirement. They have to factor in and pay down as well. Some people are very lucky to have it all sold off, but you can close the SMS. There is nothing to say you can't. It's just a bit of a process to do so.\n\nWe've closed down plenty in the past. It's, you know, something that you just need an account to sort of help you to be able to do. But it\n\nChannel 1: Yes.\n\nChannel 0: all does come down to what's gonna happen with that property, whether you're going to hold on to that one property and, you know, keep it going. Or if, you know, if the other thing was, did the broker say if you decide to go ahead with a different property, what does that mean for the loan that you have? Does he need to reassess or change that loan?\n\nChannel 1: He didn't make a comment. No. He just said that everything was already set up, ready to go as long as he had a signed contract\n\nChannel 0: Yep. Yes.\n\nChannel 1: before the night or on or before the night. Yeah. Then everything else is set up already for the current place.\n\nChannel 0: Yes. Yes.\n\nChannel 1: So there wouldn't be any issues, he said. Yeah. Because,\n\nChannel 0: Okay.\n\nChannel 1: like, a concern that we have is if we wait for this Hyatt\n\nChannel 0: Mhmm.\n\nChannel 1: property and it falls through and it can't get built, we then lost our opportunity to build. But if we do go with another property, it's more expensive, and they're not as good. Like, they're further out of Melbourne.\n\nChannel 0: Yeah.\n\nChannel 1: They're\n\nChannel 0: Of\n\nChannel 1: just not\n\nChannel 0: course.\n\nChannel 1: as\n\nChannel 0: It's\n\nChannel 1: good\n\nChannel 0: definitely\n\nChannel 1: property.\n\nChannel 0: a factor. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So we at this stage,\n\nChannel 0: Yeah.\n\nChannel 1: we haven't had a chance to sorta I guess we're gonna relook at the options that they've sent through and\n\nChannel 0: Yep.\n\nChannel 1: try and make a decision.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. No. Definitely. If you wanna send you anything through, ask me any questions, let me know. It's very\n\nChannel 1: Yep.\n\nChannel 0: limited to what I can sort of help to provide with regarding the SMSF at the moment because I don't have a lot of information about it. But, yeah, feel free to send through whatever you need, any questions you have, and I'll do my best to answer them. But, yeah, I just wanted to quickly touch base and let you know. I double check the legislation. So long as the loan is all in place beforehand, that's fine.\n\nAnd then it just comes down to, you know, where the properties are, the kind of growth you might be able to obtain from that, and also what your goals are, how you wanna proceed. Do you just, you know, wanna have do you wanna have a couple of different super funds? Do you think it's going to go ahead once it gets through court? What happens there as well? So I'd probably even be asking the, you know, the advisers those with the question because, realistically, if they've recommended these to you, they should be able to get the research and the information on the the possible outcome and likely to go ahead.\n\nBecause my biggest question would be, if they're telling you that they can then sell that onto somebody else, who's gonna currently wanna buy a property where it's going to the court system and may not ever get built? So, yeah, I'd be sort of asking those sorts of questions as well to find out what the answers are. Yeah.\n\nChannel 1: I think that they what they're telling us is if it does go ahead, then they can on sell to someone else, and then that that whoever\n\nChannel 0: Yep.\n\nChannel 1: else would pay the deposit, and we'd get our deposit back because it's been approved to get billed. And if it doesn't, then the sunset clause kicks in and you get your deposit back.\n\nChannel 0: Yeah. Yeah. At least we'll get your deposit back if it doesn't go ahead, so that'll be that'll be a good thing for you. And then if\n\nChannel 1: Yep.\n\nChannel 0: that doesn't go ahead, have they given you an idea on how long they're expecting that to go forward? Is there any kind of guidance around that?\n\nChannel 1: Not at all. It's sunset course since 2029,\n\nChannel 0: Nothing. Yep.\n\nChannel 1: and it's been two years. So it would have been a five year sunset course period.\n\nChannel 0: Yep. Yep. So they still have a couple of years to decide what they're gonna do if it's gonna go ahead. Yeah.\n\nChannel 1: Yeah. Really? So the builder obviously wants to build it. It's just for the court.\n\nChannel 0: Yep.\n\nChannel 1: Like, it's in the court. So they had all the permits approved and everything, but then the the rail or the government has got concerns all of a sudden. I don't know how your permit gets approved and then but, anyway, it's like,\n\nChannel 0: Yeah.\n\nChannel 1: the pour's already been done. There's, like, a\n\nChannel 0: Yeah.\n\nChannel 1: 300 tube pour done in Melbourne already. So it's a big hole in the ground. All concrete's done.\n\nChannel 0: Oh\n\nChannel 1: And\n\nChannel 0: god.\n\nChannel 1: so I don't know what they would do if they don't go ahead, fill the hole, and then Yeah. I don't know. I don't know. Who knows?\n\nChannel 0: Yeah. Interesting. Yes. Very, very interesting.\n\nChannel 1: But,\n\nChannel 0: But\n\nChannel 1: yeah,\n\nChannel 0: not\n\nChannel 1: we've got, like, eight days or something to Make a decision. Make a decision and\n\nChannel 0: Oh, no. Tough one.\n\nChannel 1: Yeah. But we'll relook at the properties, see what we think, and, yeah, go from there, I\n\nChannel 0: Yeah. Yeah. I mean yeah. Just look at where they're located. Do a bit of research around the areas, you know, what's gonna happen.\n\nBecause I know Melbourne has had a bit of a pullback\n\nChannel 1: guess.\n\nChannel 0: in, you know, property recently\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: with all the changes going through. So just have a look at the difference of the areas and sort of see what they say about where they're located, what's around. You're sort of looking for, you know, whether jobs are gonna be sustainable, whether there's, you know, up and coming shopping centers where schools are located, parks. Is it gonna be a family friendly area? What's the likelihood of rental?\n\nYou can utilize, like, the main and things like that to be able to look at rental yields of the expectation over the past couple of years and what sort of how that's grown to sort of see whether the expectation of that's gonna continue.\n\nChannel 1: Yes.\n\nChannel 0: But, yeah, realistically, when we're looking at property, we wanna understand where the property is located, where the jobs are being where the jobs are going to be developed in the area, whether there's schools and things that families like to enjoy because families are a big demographic, especially for property,\n\nChannel 1: Yeah.\n\nChannel 0: whether there's up and coming shopping centers and things like that being built, and just sort of what is around the area. If there's not much there or if it has already been built and there's really nowhere for it to kind of go, is it likely to stay, or are there lots of shops that are empty in the area and the townships around all the villages around that? Because that also shows, you know, if there's a lot of empty shops, then with commercial properties not being able to be rented quickly, it does mean that the likelihood of it decreasing in value is much higher than,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: Okay.\n\nChannel 0: increasing in value. Yeah.\n\nChannel 1: Yep. That makes\n\nChannel 0: So\n\nChannel 1: sense.\n\nChannel 0: there's a cup couple of things that I would sort of look at. But, yes, have a look at everything they've given you. Ask the questions of the advisers to see what they can tell you as well. And,\n\nChannel 1: Yep.\n\nChannel 0: yeah, I'm so sorry you've only got eight days, nine days to figure it out.\n\nChannel 1: Sorry. Thank you for telling\n\nChannel 0: I'm\n\nChannel 1: us that that we actually knew. Yeah. We've prepared that\n\nChannel 0: so\n\nChannel 1: part because\n\nChannel 0: sorry.\n\nChannel 1: otherwise, we wouldn't\n\nChannel 0: No.\n\nChannel 1: have had\n\nChannel 0: That's\n\nChannel 1: a clue.\n\nChannel 0: yeah. No. That's okay. As you can imagine, we've been having a lot of these conversations over the past couple of weeks.\n\nChannel 1: Yep.\n\nChannel 0: It has been a lot of things that people have brought up and people are thinking, I'd love to go on SMSF, but then, you know, it's it's kind of gotta happen now or never. So\n\nChannel 1: Yes. Yeah.\n\nChannel 0: it's one\n\nChannel 1: Exactly.\n\nChannel 0: of those things that everyone's kinda having to make that decision on, but then the other side of it is at the end of the day, you're only gonna end up having one property. So then how do you diversify what happens within that? Do you then hold, you know, your other fund these other super funds on the side and have three super funds as a whole. I mean, you're gonna have to for a short period of time anyway. But,\n\nChannel 1: Yep.\n\nChannel 0: you know, long term, is that the only way to get diversification out of the property or out of your super and make sure things are growing in the way you want them to towards your goals. So there's\n\nChannel 1: Yep.\n\nChannel 0: a lot of a lot of things to think about there, and I'm so\n\nChannel 1: Yeah.\n\nChannel 0: sorry.\n\nChannel 1: No worries. That's okay. Thank you for your help. If we do have any questions, yeah, I'll send you an email and, yeah, keep\n\nChannel 0: Yes.\n\nChannel 1: in touch.\n\nChannel 0: Absolutely. All good. Let me know how you go. And if you have anything else, let me know. Easy.\n\nChannel 1: Yeah. Will do. Thank you so much.\n\nChannel 0: Thanks, Laura. My\n\nChannel 1: Bye.\n\nChannel 0: pleasure. Have a great day. Bye. See you.\n\nChannel 1: You too. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.014107964932918549},{"text":"Laura speaking.","start":1.28,"end":2.02,"sentiment":"neutral","sentiment_score":0.010188952554017305}],"sentiment":"neutral","sentiment_score":0.011495290013651053,"channel":1,"num_words":3,"start":0.32,"end":2.02},{"sentences":[{"text":"Hey, Laura.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":0.0591280534863472},{"text":"It's Dana again.","start":3.04,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.0591464564204216},{"text":"So sorry.","start":3.9199998,"end":4.56,"sentiment":"neutral","sentiment_score":-0.07581412978470325},{"text":"I just wanted to give you a heads up.","start":4.56,"end":6.3999996,"sentiment":"neutral","sentiment_score":-0.005867624034484227},{"text":"I just pulled the legislation back up to reconfirm.","start":6.3999996,"end":9.139999,"sentiment":"neutral","sentiment_score":0.053071806414259806}],"sentiment":"neutral","sentiment_score":0.022756194323301317,"channel":0,"num_words":25,"start":2.48,"end":9.139999},{"sentences":[{"text":"So the loan contract has to be completely done, exchanged by the 08/10/2026.","start":10.16,"end":18.405,"sentiment":"neutral","sentiment_score":0.03612317585457976},{"text":"That is the cutoff for the loan.","start":18.945,"end":20.805,"sentiment":"neutral","sentiment_score":-0.09543583009924207}],"sentiment":"neutral","sentiment_score":-0.009922476229257881,"channel":0,"num_words":20,"start":10.16,"end":20.805},{"sentences":[{"text":"So we just spoke to our broker and he said because we've already got, obviously, for the previous loan or the","start":21.615,"end":28.23,"sentiment":"neutral","sentiment_score":-0.018219308306773502}],"sentiment":"neutral","sentiment_score":-0.018219308306773502,"channel":1,"num_words":21,"start":21.615,"end":28.23},{"sentences":[{"text":"Mhmm.","start":28.225,"end":28.68,"sentiment":"neutral","sentiment_score":-0.038355737924575806}],"sentiment":"neutral","sentiment_score":-0.038355737924575806,"channel":0,"num_words":1,"start":28.225,"end":28.68},{"sentences":[{"text":"previous year, for the current unit, I should say, because","start":28.23,"end":31.35,"sentiment":"neutral","sentiment_score":-0.039229747466742994}],"sentiment":"neutral","sentiment_score":-0.039229747466742994,"channel":1,"num_words":10,"start":28.23,"end":31.35},{"sentences":[{"text":"Yeah.","start":31.24,"end":31.74,"sentiment":"neutral","sentiment_score":0.031231768429279327}],"sentiment":"neutral","sentiment_score":0.031231768429279327,"channel":0,"num_words":1,"start":31.24,"end":31.74},{"sentences":[{"text":"we've already got our self managed super fund, everything set up for it, all we have to","start":31.35,"end":36.07,"sentiment":"neutral","sentiment_score":0.07971826940774918}],"sentiment":"neutral","sentiment_score":0.07971826940774918,"channel":1,"num_words":17,"start":31.35,"end":36.07},{"sentences":[{"text":"Okay.","start":35.96,"end":36.46,"sentiment":"neutral","sentiment_score":0.05631083622574806}],"sentiment":"neutral","sentiment_score":0.05631083622574806,"channel":0,"num_words":1,"start":35.96,"end":36.46},{"sentences":[{"text":"do is pretty much have the contract signed.","start":36.07,"end":38.89,"sentiment":"neutral","sentiment_score":0.08322467794641852}],"sentiment":"neutral","sentiment_score":0.08322467794641852,"channel":1,"num_words":8,"start":36.07,"end":38.89},{"sentences":[{"text":"Okay.","start":39.72,"end":40.22,"sentiment":"neutral","sentiment_score":0.0567975640296936},{"text":"Are you wanting to kinda go ahead with that?","start":41.415,"end":44.155,"sentiment":"neutral","sentiment_score":0.02162442873749468},{"text":"What what does that sort of mean for the decision that","start":44.215,"end":46.535,"sentiment":"neutral","sentiment_score":-0.14952195164832202}],"sentiment":"neutral","sentiment_score":-0.06634876406973317,"channel":0,"num_words":21,"start":39.72,"end":46.535},{"sentences":[{"text":"No","start":46.435,"end":46.755,"sentiment":"negative","sentiment_score":-0.3738854229450226}],"sentiment":"negative","sentiment_score":-0.3738854229450226,"channel":1,"num_words":1,"start":46.435,"end":46.755},{"sentences":[{"text":"you're","start":46.535,"end":46.775,"sentiment":"negative","sentiment_score":-0.42350178956985474}],"sentiment":"negative","sentiment_score":-0.42350178956985474,"channel":0,"num_words":1,"start":46.535,"end":46.775},{"sentences":[{"text":"idea.","start":46.755,"end":47.255,"sentiment":"negative","sentiment_score":-0.38297587633132935}],"sentiment":"negative","sentiment_score":-0.38297587633132935,"channel":1,"num_words":1,"start":46.755,"end":47.255},{"sentences":[{"text":"trying to make now?","start":46.775,"end":47.915,"sentiment":"neutral","sentiment_score":-0.17031751573085785}],"sentiment":"neutral","sentiment_score":-0.17031751573085785,"channel":0,"num_words":4,"start":46.775,"end":47.915},{"sentences":[{"text":"We just got off the phone to him, so we have no idea.","start":48.275,"end":50.935,"sentiment":"negative","sentiment_score":-0.3441115411428305}],"sentiment":"negative","sentiment_score":-0.3441115411428305,"channel":1,"num_words":13,"start":48.275,"end":50.935},{"sentences":[{"text":"Yeah.","start":51.575,"end":51.975,"sentiment":"neutral","sentiment_score":-0.0899382084608078},{"text":"No.","start":51.975,"end":52.135,"sentiment":"neutral","sentiment_score":-0.12951737642288208},{"text":"That's okay.","start":52.135,"end":52.695,"sentiment":"neutral","sentiment_score":0.018326561257708818},{"text":"I just quickly pulled the legislation","start":52.695,"end":54.075,"sentiment":"neutral","sentiment_score":0.054131715248028435}],"sentiment":"neutral","sentiment_score":0.014198782911989838,"channel":0,"num_words":10,"start":51.575,"end":54.075},{"sentences":[{"text":"Well","start":53.635002,"end":54.03,"sentiment":"neutral","sentiment_score":0.010347291827201843}],"sentiment":"neutral","sentiment_score":0.010347291827201843,"channel":1,"num_words":1,"start":53.635002,"end":54.03},{"sentences":[{"text":"because I'm pretty sure I have that right, and that it it absolutely is.","start":54.21,"end":57.25,"sentiment":"neutral","sentiment_score":0.18839418036597116},{"text":"So, yeah, the new contract still has to be signed before the cutoff date.","start":57.25,"end":60.629997,"sentiment":"neutral","sentiment_score":0.041337842121720314},{"text":"The settlement can happen afterwards, but all the loan stuff has to be sort of predone by that point.","start":61.17,"end":67.509995,"sentiment":"neutral","sentiment_score":-0.05748099696479345},{"text":"But it does mean moving forward, you can only have that one property.","start":67.625,"end":71.244995,"sentiment":"neutral","sentiment_score":-0.11187507040225543},{"text":"You can't kind of build on and have further properties in there.","start":71.305,"end":74.924995,"sentiment":"neutral","sentiment_score":-0.18805458272496858}],"sentiment":"neutral","sentiment_score":-0.022040576881004706,"channel":0,"num_words":72,"start":54.21,"end":74.924995},{"sentences":[{"text":"Yeah.","start":74.655,"end":75.155,"sentiment":"neutral","sentiment_score":-0.09189118444919586},{"text":"So the the other problem is too is if we don't so, like, say if we were like, no.","start":75.454994,"end":80.895,"sentiment":"neutral","sentiment_score":-0.2735479379955091},{"text":"We prefer the current unit, which is in Hyatt in 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you can also have investments within the SMS that you prefer to.","start":120.325,"end":125.604996,"sentiment":"neutral","sentiment_score":0.3054103816931064},{"text":"So depending on how you guys wanna move forward, I'm more than happy to, you know, make more time to talk about what what your goals are in relation to it.","start":125.604996,"end":133.38,"sentiment":"positive","sentiment_score":0.6160524295222375},{"text":"But you can have, like, an investment portfolio very similar to what you have, Laura, in Hub 24.","start":134.18001,"end":139.96,"sentiment":"neutral","sentiment_score":0.2824667874309752},{"text":"Inside an SMS desk, you can hold crypto.","start":140.5,"end":143.48001,"sentiment":"neutral","sentiment_score":0.1938999965786934},{"text":"There's other things that you can 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you wanna send you anything through, ask me any questions, let me know.","start":312.86002,"end":316.72,"sentiment":"neutral","sentiment_score":0.1209244148007461},{"text":"It's very","start":316.78,"end":317.26,"sentiment":"neutral","sentiment_score":-0.15881992131471634}],"sentiment":"neutral","sentiment_score":0.06627704154111837,"channel":0,"num_words":19,"start":311.5,"end":317.26},{"sentences":[{"text":"Yep.","start":317.195,"end":317.695,"sentiment":"neutral","sentiment_score":-0.16153953969478607}],"sentiment":"neutral","sentiment_score":-0.16153953969478607,"channel":1,"num_words":1,"start":317.195,"end":317.695},{"sentences":[{"text":"limited to what I can sort of help to provide with regarding the SMSF at the moment because I don't have a lot of information about it.","start":317.26,"end":324.115,"sentiment":"neutral","sentiment_score":-0.2401125075088607},{"text":"But, yeah, feel free to send through whatever you need, any questions you have, and I'll do my best to answer 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wanna have do you wanna have a couple of different super funds?","start":348.535,"end":352.855,"sentiment":"neutral","sentiment_score":0.10766474113744848},{"text":"Do you think it's going to go ahead once it gets through court?","start":352.855,"end":356.21503,"sentiment":"neutral","sentiment_score":0.03172470686527399},{"text":"What happens there as well?","start":356.21503,"end":357.89502,"sentiment":"neutral","sentiment_score":-0.044443946331739426},{"text":"So I'd probably even be asking the, you know, the advisers those with the question because, realistically, if they've recommended these to you, they should be able to get the research and the information on the the possible outcome and likely to go ahead.","start":357.89502,"end":373.005,"sentiment":"neutral","sentiment_score":0.05115575670722385}],"sentiment":"neutral","sentiment_score":0.14884322298932698,"channel":0,"num_words":114,"start":338.12,"end":373.005},{"sentences":[{"text":"Because my biggest question would be, if 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a","start":457.395,"end":458.195,"sentiment":"neutral","sentiment_score":-0.0410038431485494}],"sentiment":"neutral","sentiment_score":-0.039470004849135876,"channel":1,"num_words":8,"start":455.635,"end":458.195},{"sentences":[{"text":"Yeah.","start":457.945,"end":458.445,"sentiment":"neutral","sentiment_score":-0.02440988272428513}],"sentiment":"neutral","sentiment_score":-0.02440988272428513,"channel":0,"num_words":1,"start":457.945,"end":458.445},{"sentences":[{"text":"300 tube pour done in Melbourne already.","start":458.195,"end":461.53,"sentiment":"neutral","sentiment_score":-0.04644157897148814},{"text":"So it's a big hole in the ground.","start":461.53,"end":462.88998,"sentiment":"neutral","sentiment_score":-0.1865080837160349},{"text":"All concrete's 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got, like, eight days or something to Make a decision.","start":478.315,"end":481.515,"sentiment":"neutral","sentiment_score":-0.1835589368234981},{"text":"Make a decision and","start":481.835,"end":483.055,"sentiment":"neutral","sentiment_score":-0.20514154806733131}],"sentiment":"neutral","sentiment_score":-0.18931429982185363,"channel":1,"num_words":15,"start":478.315,"end":483.055},{"sentences":[{"text":"Oh, no.","start":483.33002,"end":483.99002,"sentiment":"negative","sentiment_score":-0.3508071005344391},{"text":"Tough one.","start":484.29,"end":485.19,"sentiment":"negative","sentiment_score":-0.35380254685878754}],"sentiment":"negative","sentiment_score":-0.3523048236966133,"channel":0,"num_words":4,"start":483.33002,"end":485.19},{"sentences":[{"text":"Yeah.","start":485.675,"end":486.155,"sentiment":"neutral","sentiment_score":-0.106194868683815},{"text":"But we'll relook at the properties, see what we think, and, yeah, go from there, 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had","start":615.565,"end":615.80505,"sentiment":"neutral","sentiment_score":-0.03143349662423134}],"sentiment":"neutral","sentiment_score":-0.03143349662423134,"channel":1,"num_words":2,"start":615.565,"end":615.80505},{"sentences":[{"text":"That's","start":615.66,"end":615.89996,"sentiment":"neutral","sentiment_score":-0.05380241572856903}],"sentiment":"neutral","sentiment_score":-0.05380241572856903,"channel":0,"num_words":1,"start":615.66,"end":615.89996},{"sentences":[{"text":"a clue.","start":615.80505,"end":616.385,"sentiment":"neutral","sentiment_score":-0.0483659952878952}],"sentiment":"neutral","sentiment_score":-0.0483659952878952,"channel":1,"num_words":2,"start":615.80505,"end":616.385},{"sentences":[{"text":"yeah.","start":616.94,"end":617.18,"sentiment":"neutral","sentiment_score":0.002122996374964714},{"text":"No.","start":617.18,"end":617.33997,"sentiment":"neutral","sentiment_score":-0.03905558213591576},{"text":"That's okay.","start":617.33997,"end":617.98,"sentiment":"neutral","sentiment_score":0.06735401973128319},{"text":"As you can imagine, we've been having a lot of these conversations over the past couple of weeks.","start":617.98,"end":622.39996,"sentiment":"neutral","sentiment_score":0.07555205788877276}],"sentiment":"neutral","sentiment_score":0.06625965889543295,"channel":0,"num_words":22,"start":616.94,"end":622.39996},{"sentences":[{"text":"Yep.","start":622.685,"end":623.07,"sentiment":"neutral","sentiment_score":0.1117214560508728}],"sentiment":"neutral","sentiment_score":0.1117214560508728,"channel":1,"num_words":1,"start":622.685,"end":623.07},{"sentences":[{"text":"It has been a lot of things that people have brought up and people are thinking, I'd love to go on SMSF, but then, you know, it's it's kind of gotta happen now or never.","start":622.77997,"end":631.275,"sentiment":"neutral","sentiment_score":0.08876377823097366},{"text":"So","start":631.275,"end":631.755,"sentiment":"neutral","sentiment_score":0.07406388223171234}],"sentiment":"neutral","sentiment_score":0.08835544778654973,"channel":0,"num_words":36,"start":622.77997,"end":631.755},{"sentences":[{"text":"Yes.","start":631.31,"end":631.71,"sentiment":"neutral","sentiment_score":0.12644325196743011},{"text":"Yeah.","start":631.71,"end":632.11,"sentiment":"neutral","sentiment_score":0.12560798227787018}],"sentiment":"neutral","sentiment_score":0.12602561712265015,"channel":1,"num_words":2,"start":631.31,"end":632.11},{"sentences":[{"text":"it's one","start":631.755,"end":632.155,"sentiment":"neutral","sentiment_score":0.12482362240552902}],"sentiment":"neutral","sentiment_score":0.12482362240552902,"channel":0,"num_words":2,"start":631.755,"end":632.155},{"sentences":[{"text":"Exactly.","start":632.11,"end":632.61,"sentiment":"neutral","sentiment_score":0.1149965077638626}],"sentiment":"neutral","sentiment_score":0.1149965077638626,"channel":1,"num_words":1,"start":632.11,"end":632.61},{"sentences":[{"text":"of those things that everyone's kinda having to make that decision on, but then the other side of it is at the end of the day, you're only gonna end up having one property.","start":632.155,"end":640.9,"sentiment":"neutral","sentiment_score":0.09656290140222101},{"text":"So then how do you diversify what happens within that?","start":641.2,"end":644.4,"sentiment":"neutral","sentiment_score":0.07888594754040242},{"text":"Do you then hold, you know, your other fund these other super funds on the side and have three super funds as a whole.","start":644.4,"end":651.585,"sentiment":"neutral","sentiment_score":0.0653900991504391},{"text":"I mean, you're gonna have to for a short period of time anyway.","start":651.585,"end":654.085,"sentiment":"neutral","sentiment_score":0.04504882372342623},{"text":"But,","start":654.42505,"end":654.92505,"sentiment":"neutral","sentiment_score":0.08227505534887314}],"sentiment":"neutral","sentiment_score":0.07694232032248159,"channel":0,"num_words":82,"start":632.155,"end":654.92505},{"sentences":[{"text":"Yep.","start":654.69995,"end":655.19995,"sentiment":"neutral","sentiment_score":0.08257124572992325}],"sentiment":"neutral","sentiment_score":0.08257124572992325,"channel":1,"num_words":1,"start":654.69995,"end":655.19995},{"sentences":[{"text":"you know, long term, is that the only way to get diversification out of the property or out of your super and make sure things are growing in the way you want them to towards your goals.","start":655.265,"end":665.33,"sentiment":"neutral","sentiment_score":0.19862939034764832},{"text":"So there's","start":665.39,"end":665.95,"sentiment":"neutral","sentiment_score":0.04650546982884407}],"sentiment":"neutral","sentiment_score":0.1908281636543763,"channel":0,"num_words":39,"start":655.265,"end":665.95},{"sentences":[{"text":"Yep.","start":665.745,"end":666.245,"sentiment":"neutral","sentiment_score":0.03708670660853386}],"sentiment":"neutral","sentiment_score":0.03708670660853386,"channel":1,"num_words":1,"start":665.745,"end":666.245},{"sentences":[{"text":"a lot of a lot of things to think about there, and I'm so","start":665.95,"end":668.91,"sentiment":"neutral","sentiment_score":0.034528437602732866}],"sentiment":"neutral","sentiment_score":0.034528437602732866,"channel":0,"num_words":14,"start":665.95,"end":668.91},{"sentences":[{"text":"Yeah.","start":668.78503,"end":669.28503,"sentiment":"neutral","sentiment_score":0.009446822106838226}],"sentiment":"neutral","sentiment_score":0.009446822106838226,"channel":1,"num_words":1,"start":668.78503,"end":669.28503},{"sentences":[{"text":"sorry.","start":668.91,"end":669.41,"sentiment":"neutral","sentiment_score":0.01799006760120392}],"sentiment":"neutral","sentiment_score":0.01799006760120392,"channel":0,"num_words":1,"start":668.91,"end":669.41},{"sentences":[{"text":"No worries.","start":669.985,"end":670.305,"sentiment":"neutral","sentiment_score":0.09697879105806351},{"text":"That's okay.","start":670.305,"end":670.945,"sentiment":"neutral","sentiment_score":0.28562068194150925},{"text":"Thank you for your help.","start":670.945,"end":672.085,"sentiment":"positive","sentiment_score":0.6189889311790466},{"text":"If we do have any questions, yeah, I'll send you an email and, yeah, keep","start":672.22504,"end":675.505,"sentiment":"neutral","sentiment_score":0.27304732501506807}],"sentiment":"neutral","sentiment_score":0.3314938948800166,"channel":1,"num_words":24,"start":669.985,"end":675.505},{"sentences":[{"text":"Yes.","start":675.39,"end":675.89,"sentiment":"neutral","sentiment_score":0.22442744672298431}],"sentiment":"neutral","sentiment_score":0.22442744672298431,"channel":0,"num_words":1,"start":675.39,"end":675.89},{"sentences":[{"text":"in touch.","start":675.505,"end":675.99,"sentiment":"neutral","sentiment_score":0.267389640212059}],"sentiment":"neutral","sentiment_score":0.267389640212059,"channel":1,"num_words":2,"start":675.505,"end":675.99},{"sentences":[{"text":"Absolutely.","start":676.86096,"end":677.36096,"sentiment":"positive","sentiment_score":0.45466792583465576},{"text":"All good.","start":677.74097,"end":678.1409,"sentiment":"positive","sentiment_score":0.6233659386634827},{"text":"Let me know how you go.","start":678.1409,"end":679.261,"sentiment":"positive","sentiment_score":0.5522497793038686},{"text":"And if you have anything else, let me know.","start":679.261,"end":681.18097,"sentiment":"neutral","sentiment_score":0.31742367810673183},{"text":"Easy.","start":681.18097,"end":681.68097,"sentiment":"positive","sentiment_score":0.3414188623428345}],"sentiment":"positive","sentiment_score":0.43227002338359233,"channel":0,"num_words":19,"start":676.86096,"end":681.68097},{"sentences":[{"text":"Yeah.","start":681.35,"end":681.58997,"sentiment":"neutral","sentiment_score":0.29769647121429443},{"text":"Will do.","start":681.58997,"end":682.23,"sentiment":"positive","sentiment_score":0.4437033385038376},{"text":"Thank you so much.","start":682.23,"end":683.37,"sentiment":"positive","sentiment_score":0.6084264069795609}],"sentiment":"positive","sentiment_score":0.5169726823057447,"channel":1,"num_words":7,"start":681.35,"end":683.37},{"sentences":[{"text":"Thanks, Laura.","start":682.941,"end":683.90094,"sentiment":"positive","sentiment_score":0.8074079751968384},{"text":"My","start":683.90094,"end":684.1409,"sentiment":"positive","sentiment_score":0.6996409893035889}],"sentiment":"positive","sentiment_score":0.7714856465657552,"channel":0,"num_words":3,"start":682.941,"end":684.1409},{"sentences":[{"text":"Bye.","start":683.99,"end":684.49,"sentiment":"positive","sentiment_score":0.6382619142532349}],"sentiment":"positive","sentiment_score":0.6382619142532349,"channel":1,"num_words":1,"start":683.99,"end":684.49},{"sentences":[{"text":"pleasure.","start":684.1409,"end":684.54095,"sentiment":"positive","sentiment_score":0.7553191781044006},{"text":"Have a great day.","start":684.54095,"end":685.34094,"sentiment":"positive","sentiment_score":0.8045699894428253},{"text":"Bye.","start":685.34094,"end":685.58093,"sentiment":"positive","sentiment_score":0.5007474422454834},{"text":"See you.","start":685.58093,"end":686.321,"sentiment":"positive","sentiment_score":0.5686578154563904}],"sentiment":"positive","sentiment_score":0.7014577761292458,"channel":0,"num_words":8,"start":684.1409,"end":686.321},{"sentences":[{"text":"You too.","start":685.83,"end":686.47,"sentiment":"positive","sentiment_score":0.3937417268753052},{"text":"See you.","start":686.47,"end":687.11,"sentiment":"positive","sentiment_score":0.3345702886581421},{"text":"Bye.","start":687.11,"end":687.61,"sentiment":"neutral","sentiment_score":-0.09605539590120316}],"sentiment":"neutral","sentiment_score":0.2721137270331383,"channel":1,"num_words":5,"start":685.83,"end":687.61}]},"summary":{"result":"success","short":"A customer named Laura discusses her new loan contract with an agent named Chris, who explains that completing the loan contract before cutoff is crucial. The agent also suggests closing the SMS property if she moves forward with a different property. The agent explains that closing the SMS property is a process and can either have an investment portfolio or a retail super fund. The agent advises the customer to investigate potential outcomes and look at the property's location, and apologizes for the limited time."},"intents":{"segments":[{"text":"So the loan contract has to be completely done, exchanged by the 08/10/2026.","start_word":28,"end_word":40,"intents":[{"intent":"Confirm contract and lease extension","confidence_score":5.2973398e-8}]},{"text":"There's nothing to stop you from closing yourself, many super funds down. There is a lot of logistics around doing it. It's not an easy process, but it can be done, and I have definitely done it before. Okay.","start_word":334,"end_word":372,"intents":[{"intent":"Plan super funds","confidence_score":0.011902653}]},{"text":"So there wouldn't be any issues, he said. Yeah. Because, Okay.","start_word":865,"end_word":875,"intents":[{"intent":"Address loan concerns","confidence_score":0.004504179}]},{"text":"If you wanna send you anything through, ask me any questions, let me know.","start_word":983,"end_word":996,"intents":[{"intent":"Ask questions","confidence_score":0.5835576}]},{"text":"limited to what I can sort of help to provide with regarding the SMSF at the moment because I don't have a lot of information about it.","start_word":999,"end_word":1025,"intents":[{"intent":"Provide information","confidence_score":0.26988944},{"intent":"Provide information","confidence_score":0.024190143}]},{"text":"limited to what I can sort of help to provide with regarding the SMSF at the moment because I don't have a lot of information about it. But, yeah, feel free to send through whatever you need, any questions you have, and I'll do my best to answer them. But, yeah, I just wanted to quickly touch base and let you know. I double check the legislation.","start_word":999,"end_word":1065,"intents":[{"intent":"Provide advice","confidence_score":0.00052912574}]},{"text":"But, yeah, I just wanted to quickly touch base and let you know. I double check the legislation.","start_word":1048,"end_word":1065,"intents":[{"intent":"Touch base","confidence_score":0.683121}]},{"text":"Do you just, you know, wanna have do you wanna have a couple of different super funds? Do you think it's going to go ahead once it gets through court? What happens there as well?","start_word":1113,"end_word":1147,"intents":[{"intent":"Have super funds","confidence_score":0.009889132}]},{"text":"What happens there as well?","start_word":1143,"end_word":1147,"intents":[{"intent":"Know results and conclusions","confidence_score":1.1530187e-8}]},{"text":"But we'll relook at the properties, see what we think, and, yeah, go from there, I Yeah.","start_word":1564,"end_word":1580,"intents":[{"intent":"Review properties and explore planning","confidence_score":0.0000052418377}]},{"text":"So just have a look at the difference of the areas and sort of see what they say about where they're located, what's around. You're sort of looking for, you know, whether jobs are gonna be sustainable, whether there's, you know, up and coming shopping centers where schools are located, parks. Is it gonna be a family friendly area?","start_word":1629,"end_word":1687,"intents":[{"intent":"Investigate areas","confidence_score":0.000003449742}]},{"text":"You can utilize, like, the main and things like that to be able to look at rental yields of the expectation over the past couple of years and what sort of how that's grown to sort of see whether the expectation of that's gonna continue. Yes.","start_word":1693,"end_word":1738,"intents":[{"intent":"Evaluate rental potential","confidence_score":0.00034311513}]},{"text":"But, yeah, realistically, when we're looking at property, we wanna understand where the property is located, where the jobs are being where the jobs are going to be developed in the area, whether there's schools and things that families like to enjoy because families are a big demographic, especially for property, Yeah.","start_word":1739,"end_word":1790,"intents":[{"intent":"Understand the difference between properties","confidence_score":0.00006883537}]},{"text":"whether there's up and coming shopping centers and things like that being built, and just sort of what is around the area. If there's not much there or if it has already been built and there's really nowhere for it to kind of go, is it likely to stay, or are there lots of shops that are empty in the area and the townships around all the villages around that?","start_word":1791,"end_word":1860,"intents":[{"intent":"Understand the number of up and coming shopping centers","confidence_score":0.000010763534}]},{"text":"Because that also shows, you know, if there's a lot of empty shops, then with commercial properties not being able to be rented quickly, it does mean that the likelihood of it decreasing in value is much higher than, Yeah.","start_word":1861,"end_word":1900,"intents":[{"intent":"Assess potential value of properties","confidence_score":0.00082188094}]},{"text":"It has been a lot of things that people have brought up and people are thinking, I'd love to go on SMSF, but then, you know, it's it's kind of gotta happen now or never. So Yes.","start_word":2020,"end_word":2056,"intents":[{"intent":"Discuss options","confidence_score":0.0060495352}]}]},"sentiments":{"segments":[{"text":"Hello. Laura speaking. Hey, Laura. It's Dana again. So sorry. I just wanted to give you a heads up. I just pulled the legislation back up to reconfirm. So the loan contract has to be completely done, exchanged by the 08/10/2026. That is the cutoff for the loan. So we just spoke to our broker and he said because we've already got, obviously, for the previous loan or the Mhmm. previous year, for the current unit, I should say, because Yeah. we've already got our self managed super fund, everything set up for it, all we have to Okay. do is pretty much have the contract signed. Okay. Are you wanting to kinda go ahead with that? What what does that sort of mean for the decision that No you're idea. trying to make now?","start_word":0,"end_word":134,"sentiment":"neutral","sentiment_score":-0.01324661821126938},{"text":"We just got off the phone to him, so we have no idea.","start_word":135,"end_word":147,"sentiment":"negative","sentiment_score":-0.34480923414230347},{"text":"Yeah. No. That's okay. I just quickly pulled the legislation Well because I'm pretty sure I have that right, and that it it absolutely is. So, yeah, the new contract still has to be signed before the cutoff date. The settlement can happen afterwards, but all the loan stuff has to be sort of predone by that point. But it does mean moving forward, you can only have that one property. You can't kind of build on and have further properties in there. Yeah. So the the other problem is too is if we don't so, like, say if we were like, no. We prefer the current unit, which is in Hyatt in Melbourne, Mhmm. and we were just gonna cross our fingers and hope it goes ahead.","start_word":148,"end_word":275,"sentiment":"neutral","sentiment_score":-0.10709397494792938},{"text":"If it then doesn't, it means we've lost our opportunity, and we've got a self managed super fund for no reason.","start_word":276,"end_word":296,"sentiment":"negative","sentiment_score":-0.4592915773391723},{"text":"Yeah. But sorry. What are you thinking, Chris? We just have to get them to manage our self managed super fund and invested in Some other way. Yeah. Just get You us. can close it down. There's nothing to stop you from closing yourself, many super funds down. There is a lot of logistics around doing it.","start_word":297,"end_word":353,"sentiment":"neutral","sentiment_score":-0.14980762569527878},{"text":"It's not an easy process, but it can be done, and I have definitely done it before.","start_word":354,"end_word":370,"sentiment":"positive","sentiment_score":0.36267033219337463},{"text":"Okay. Alternatively, you can also have investments within the SMS that you prefer to.","start_word":371,"end_word":384,"sentiment":"neutral","sentiment_score":0.30087122321128845},{"text":"So depending on how you guys wanna move forward, I'm more than happy to, you know, make more time to talk about what what your goals are in relation to it.","start_word":385,"end_word":415,"sentiment":"positive","sentiment_score":0.6237406730651855},{"text":"But you can have, like, an investment portfolio very similar to what you have, Laura, in Hub 24. Inside an SMS desk, you can hold crypto. There's other things that you can hold. Alternatively, if it has been opened, it can be closed down. There are costs involved with closing it down. You probably can't close it down until you, you know, know what's happening with this property because it kind of is all sort of stuck there at Yeah. the moment. Yep. But it can definitely be closed down. And then, obviously, Chris, depending on what you wanna do with everything, we can look at if you wanted to move forward that way, look at investing in, like, a retail super fund in a share portfolio. The other thing I would sort of consider, and one thing I talk to a lot of clients about with an SMSF, is that, you know, with having that loan, that property loan is generally for about thirty odd years depending on the terms that you've been approved on. When you get to retirement, we then normally have to sell the property and put the money into cash investment anyway. So because, realistically, if when you get to retirement, essentially, there is a minimum you have to draw down on a yearly basis, and quite often, property doesn't provide that. So more often than not, when we get to retirement, we are selling property anyway. A lot of people Yes. do have a loan that's still in retirement. They have to factor in and pay down as well. Some people are very lucky to have it all sold off, but you can close the SMS. There is nothing to say you can't. It's just a bit of a process to do so. We've closed down plenty in the past. It's, you know, something that you just need an account to sort of help you to be able to do. But it Yes. all does come down to what's gonna happen with that property, whether you're going to hold on to that one property and, you know, keep it going. Or if, you know, if the other thing was, did the broker say if you decide to go ahead with a different property, what does that mean for the loan that you have? Does he need to reassess or change that loan? He didn't make a comment. No. He just said that everything was already set up, ready to go as long as he had a signed contract Yep. Yes. before the night or on or before the night. Yeah. Then everything else is set up already for the current place. Yes. Yes. So there wouldn't be any issues, he said. Yeah. Because, Okay. like, a concern that we have is if we wait for this Hyatt Mhmm.","start_word":416,"end_word":889,"sentiment":"neutral","sentiment_score":0.004324292481134209},{"text":"property and it falls through and it can't get built, we then lost our opportunity to build. But if we do go with another property, it's more expensive, and they're not as good.","start_word":890,"end_word":922,"sentiment":"negative","sentiment_score":-0.3829189538955689},{"text":"Like, they're further out of Melbourne. Yeah. They're Of just not course. as It's good definitely property. a factor. Yeah. Yeah. Yeah. So we at this stage, Yeah. we haven't had a chance to sorta I guess we're gonna relook at the options that they've sent through and Yep. try and make a decision. Yeah. Yes. Yeah. No. Definitely. If you wanna send you anything through, ask me any questions, let me know. It's very Yep. limited to what I can sort of help to provide with regarding the SMSF at the moment because I don't have a lot of information about it.","start_word":923,"end_word":1025,"sentiment":"neutral","sentiment_score":-0.09412467595442985},{"text":"But, yeah, feel free to send through whatever you need, any questions you have, and I'll do my best to answer them. But, yeah, I just wanted to quickly touch base and let you know.","start_word":1026,"end_word":1060,"sentiment":"positive","sentiment_score":0.3852536976337433},{"text":"I double check the legislation.","start_word":1061,"end_word":1065,"sentiment":"neutral","sentiment_score":0.2656850814819336},{"text":"So long as the loan is all in place beforehand, that's fine. And then it just comes down to, you know, where the properties are, the kind of growth you might be able to obtain from that, and also what your goals are, how you wanna proceed.","start_word":1066,"end_word":1112,"sentiment":"positive","sentiment_score":0.3766053915023804},{"text":"Do you just, you know, wanna have do you wanna have a couple of different super funds? Do you think it's going to go ahead once it gets through court? What happens there as well? So I'd probably even be asking the, you know, the advisers those with the question because, realistically, if they've recommended these to you, they should be able to get the research and the information on the the possible outcome and likely to go ahead.","start_word":1113,"end_word":1191,"sentiment":"neutral","sentiment_score":0.050022680312395096},{"text":"Because my biggest question would be, if they're telling you that they can then sell that onto somebody else, who's gonna currently wanna buy a property where it's going to the court system and may not ever get built?","start_word":1192,"end_word":1230,"sentiment":"negative","sentiment_score":-0.35757187008857727},{"text":"So, yeah, I'd be sort of asking those sorts of questions as well to find out what the answers are. Yeah. I think that they what they're telling us is if it does go ahead, then they can on sell to someone else, and then that that whoever Yep. else would pay the deposit, and we'd get our deposit back because it's been approved to get billed. And if it doesn't, then the sunset clause kicks in and you get your deposit back. Yeah. Yeah.","start_word":1231,"end_word":1315,"sentiment":"neutral","sentiment_score":-0.12583142518997192},{"text":"At least we'll get your deposit back if it doesn't go ahead, so that'll be that'll be a good thing for you.","start_word":1316,"end_word":1337,"sentiment":"positive","sentiment_score":0.5726790428161621},{"text":"And then if Yep. that doesn't go ahead, have they given you an idea on how long they're expecting that to go forward? Is there any kind of guidance around that? Not at all. It's sunset course since 2029, Nothing. Yep. and it's been two years. So it would have been a five year sunset course period. Yep. Yep. So they still have a couple of years to decide what they're gonna do if it's gonna go ahead. Yeah. Yeah. Really? So the builder obviously wants to build it. It's just for the court. Yep. Like, it's in the court. So they had all the permits approved and everything, but then the the rail or the government has got concerns all of a sudden. I don't know how your permit gets approved and then but, anyway, it's like, Yeah. the pour's already been done. There's, like, a Yeah. 300 tube pour done in Melbourne already. So it's a big hole in the ground. All concrete's done. Oh And god. so I don't know what they would do if they don't go ahead, fill the hole, and then Yeah. I don't know. I don't know. Who knows? Yeah. Interesting. Yes. Very, very interesting. But, But yeah, not we've got, like, eight days or something to Make a decision. Make a decision and Oh, no.","start_word":1338,"end_word":1560,"sentiment":"neutral","sentiment_score":-0.07322351634502411},{"text":"Tough one.","start_word":1561,"end_word":1562,"sentiment":"negative","sentiment_score":-0.35380256175994873},{"text":"Yeah. But we'll relook at the properties, see what we think, and, yeah, go from there, I Yeah. Yeah. I mean yeah. Just look at where they're located. Do a bit of research around the areas, you know, what's gonna happen. Because I know Melbourne has had a bit of a pullback guess. in, you know, property recently Mhmm. with Yeah. all the changes going through. So just have a look at the difference of the areas and sort of see what they say about where they're located, what's around. You're sort of looking for, you know, whether jobs are gonna be sustainable, whether there's, you know, up and coming shopping centers where schools are located, parks. Is it gonna be a family friendly area? What's the likelihood of rental? You can utilize, like, the main and things like that to be able to look at rental yields of the expectation over the past couple of years and what sort of how that's grown to sort of see whether the expectation of that's gonna continue. Yes. But, yeah, realistically, when we're looking at property, we wanna understand where the property is located, where the jobs are being where the jobs are going to be developed in the area, whether there's schools and things that families like to enjoy because families are a big demographic, especially for property, Yeah. whether there's up and coming shopping centers and things like that being built, and just sort of what is around the area. If there's not much there or if it has already been built and there's really nowhere for it to kind of go, is it likely to stay, or are there lots of shops that are empty in the area and the townships around all the villages around that?","start_word":1563,"end_word":1860,"sentiment":"neutral","sentiment_score":0.0191095956607453},{"text":"Because that also shows, you know, if there's a lot of empty shops, then with commercial properties not being able to be rented quickly, it does mean that the likelihood of it decreasing in value is much higher than, Yeah.","start_word":1861,"end_word":1900,"sentiment":"negative","sentiment_score":-0.36856967210769653},{"text":"you know, Okay. increasing in value. Yeah. Yep. That makes So sense. there's a cup couple of things that I would sort of look at. But, yes, have a look at everything they've given you. Ask the questions of the advisers to see what they can tell you as well. And, Yep. yeah, I'm so sorry you've only got eight days, nine days to figure it out. Sorry. Thank you for telling I'm us that that we actually knew. Yeah. We've prepared that so part because sorry. otherwise, we wouldn't No. have had That's a clue. yeah. No. That's okay. As you can imagine, we've been having a lot of these conversations over the past couple of weeks. Yep. It has been a lot of things that people have brought up and people are thinking, I'd love to go on SMSF, but then, you know, it's it's kind of gotta happen now or never. So Yes. Yeah. it's one Exactly. of those things that everyone's kinda having to make that decision on, but then the other side of it is at the end of the day, you're only gonna end up having one property. So then how do you diversify what happens within that? Do you then hold, you know, your other fund these other super funds on the side and have three super funds as a whole. I mean, you're gonna have to for a short period of time anyway. But, Yep. you know, long term, is that the only way to get diversification out of the property or out of your super and make sure things are growing in the way you want them to towards your goals. So there's Yep. a lot of a lot of things to think about there, and I'm so Yeah. sorry. No worries. That's okay.","start_word":1901,"end_word":2203,"sentiment":"neutral","sentiment_score":0.0701590245804771},{"text":"Thank you for your help.","start_word":2204,"end_word":2208,"sentiment":"positive","sentiment_score":0.6185404062271118},{"text":"If we do have any questions, yeah, I'll send you an email and, yeah, keep Yes. in touch.","start_word":2209,"end_word":2226,"sentiment":"neutral","sentiment_score":0.2679480016231537},{"text":"Absolutely. All good. Let me know how you go.","start_word":2227,"end_word":2235,"sentiment":"positive","sentiment_score":0.5491445064544678},{"text":"And if you have anything else, let me know.","start_word":2236,"end_word":2244,"sentiment":"neutral","sentiment_score":0.31458884477615356},{"text":"Easy.","start_word":2245,"end_word":2245,"sentiment":"positive","sentiment_score":0.3414188623428345},{"text":"Yeah.","start_word":2246,"end_word":2246,"sentiment":"neutral","sentiment_score":0.29769647121429443},{"text":"Will do. Thank you so much. Thanks, Laura. My Bye. pleasure. Have a great day. Bye. See you. You too. See you.","start_word":2247,"end_word":2268,"sentiment":"positive","sentiment_score":0.6195368983528831},{"text":"Bye.","start_word":2269,"end_word":2269,"sentiment":"neutral","sentiment_score":0.18067121505737305}],"average":{"sentiment":"neutral","sentiment_score":0.00891091883528394}}}}