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Can I ask? Because it's been, like, a good eighteen months, and I have been racking my brain for the last two weeks. Because, like, this no. No. No. No. I literally, the girl turned around. They're like, do you remember a client by the name of Mark Bridges? I was like, a 100 son was Jesse. Jesse's maybe in his thirties, if I remember correctly. I'm like I'm like, oh, good. Good. I was like I was like, Mark was I'm like, I didn't I did a claim with Mark, and then I've been racking my head trying to figure out what happened with dad for the last two weeks. How is he going? Okay. Yep. Yeah. Yeah. Because you guys have been dealing with Diogo. Yeah. Absolutely. I feel privileged. So thank you for reaching out. It was pleasant surprise, and I remembered I remembered everything. It's always kind of a bit of a shambles when you don't have access to file notes and Yeah. Absolutely. Yeah. Okay. Yep. Yep. Yep. Okay. Cool. Mhmm. Yeah. Yeah. Always good to know. Yep. Wanted to talk to someone about options, ideas, and concepts we can do to move forward. No. That's okay. So let's let's start with the basics, and we can build our way up. Let's start with, like, occupations and incomes, what what we have asset wise, where we're living, what that looks like, what our costs are, and we can kind of build out a bit of a profile and a bit of a scope from there. We we can talk about what our goals are, where we wanna head with everything. I mean, you've kind of laid it out a little bit anyway, but we can talk about where that looks, and and then I can start putting together a plan on how we proceed with everything and what it will look like in the long term. Cool. It and your partner's Keely? Cool. Are we married, de facto? Yep. Yeah. We're we're part we're partnered. Yeah. Yes. Perfect. So that's okay. So I will early career teacher, so are we school or early education? Okay. Cool. Do you have, I I guess, a a field that you specifically teach? Love. And then primary. Cool. Alright. Incomes for both of us. Perfect. Yep. Yep. Perfect. Alright. Cool. And employer, Education Queensland or private? Oh, sorry. Yep. Okay. Catholic. And then do either of our employers have any specific employer bargaining agreements or EBAs or contract specific, so additional wages paid for anything outside of the norm over time, higher superannuation rates to the standard 12%. No. That's okay. I I can always look up the EBAs for both of them, or we can go with the easier option of if you guys send me a payslip, I can look at it and calculate it. Yeah. Cool. Amazing. Now do with our incomes, are we currently saving, and what do our expenses currently look like? Mhmm. Yep. Okay. Yes. That actually works nicely. Yeah. You can 100% send that. Yeah. I can send you an email out at the end of the meeting and just itemize everything anyway. You're you're so fine. I'll send you an email at the end, and I'll just ask for anything that I might need. And we can and you can just email it to me when you have a little bit more brain and maybe when you sit down with a beer or a coffee or choice of poison and go from there. So assets and liabilities wise, do either of you individually or joint have any debts, credit cards, or loans? Fantastic. And asset wise, what do we have to our names? Cars, boats, jet skis, collectible. Yep. No. That's okay. What type of what type of car do you drive? What year, model? Cool. I can red book look that up. And what's Kealey's car? Perfect. Alright. I can look up yeah. That's fine. I rolled around in a '94 Toyota Corolla for the better part of two decades. So I'm not judging. I'm I'm we're fine. Alright. Now at your age, I'm expecting we haven't been bankrupt or declared any debt agreements, anything like that. Cool. Aside from the physical assets, we obviously have a bit of home and contents, snowboards as you said, bank assets, so actual financial assets. Do we have any shares, and what kind of money do we have in the bank at the moment that is set aside for the deposit? K. Yep. Yep. No. That's okay. Yep. Yep. Yep. Negative gearing going on the wayside. Fair enough. Absolutely. Okay. So we've basically got $60 or 75. We consider the ETFs that are sitting there as well. Now if if we were to invest that money or do something with it, what would be the time frame that we wanna access those funds? What would be, I guess, the the the goal of those that that money? Is it just set aside for a rainy day? Are we going to buy in the future, or is dad's house gonna become yours? Yep. Yep. Yep. It's long term. Yep. Is yeah. You you you're essentially renting it by paying the ongoing expenses of the property, and that's fine. Yep. Yeah. And that's absolutely fine. And it means that there's someone in the house, so it helps that out from exactly. Yeah. Hi. Can I ask? Because while I might remember some of dad's position, I don't remember all of it. You're an only child? Cool. I remember dad being single with yep. So you inherit everything. Do you know where finances sit for him? Just while I'm not gonna consider it overall, it is something that I do want to, I guess, consider as a background effect on what that looks like. Yes. Yep. Yeah. Yeah. Yep. Good. Yes. Yeah. Yes. No. Absolutely. And, I mean, fingers crossed, he's able to, as awful as it sounds and as good as it sounds, burn through most of it so that way he can enjoy quality of life while he's here. $300,000 sounds like a good twelve months in Europe. Just He might not remember it, but he will. Cool. No. That's fine. Alright. So if we invest the money, do we wanna be tax effective with it? Because as you may know, anything that we like, cash in the bank incurs interest, interest goes on to your taxable income, so on and so forth. Cash in the bank, when we're looking at, you know, $30 a pace, we're not really gonna be getting that much interest, so it's not gonna be affecting our taxable income that much. If we invest it and we're then getting, say, 10% on that, it's gonna start increasing everything. Realistically, it doesn't affect us until we start selling assets, which is where capital gains tax comes into play. But I just wanna sort of, I guess, look at it because there's a couple of options that we can look at. We can look at longer term, like, ten year investments that are tax paid. We're not gonna have it we're not gonna have any tax applicable if like, when we go to draw down in ten years' time. Or if we wanna leave it a little bit more liquid and have access in case something happens, then we can look at, you know, like, a investment account, shares, stock options, ETFs, blah blah. Yep. Yep. Yep. Yeah. Yeah. Absolutely. I can always look at, I guess, like, property as a as a secondary option and see how that would affect everything. Utilizing, you know, rough estimates in terms of income and everything for the areas, you know, that you would purchase in. And if because you've already got preapproval, that kinda gives me an indication as to what our repayments, interest rates, and everything else are, so I'm not having to go and do that homework. You've already kinda done it for me, which is very nice. Yes. Thank you. Thank you. And the fact that our expenses are really low is definitely a positive. Can I ask how with the fact that our expenses are so low, what are we doing with that excess income? Because realistically speaking, on the wages that you guys are on, you are both earning a decent income. I would expect there to be some kind of decent savings. Cool. Yes. Yep. Alright. So keeping it a little bit liquid so we can do some travel. That works. Yep. Yep. So pop put the money in the investment, create a bit of a savings buffer, and then utilize that to travel. Okay. Travel plans, national or international? Okay. So anywhere from 10 to $30 depending on how extravagant extravagant we wanna go. No. That's fine. Okay. So when I look at any kind of investment or profile, we follow a bit of a wealth cycle. So what we do is we kinda bring it back down to, like, the bottom and we build our way up. So what I would want to do is I would wanna look at not everything because, obviously, there's there's benefits to looking at everything at once, but, also, there's a lot of it can become overwhelming. So I like to kind of, I guess, stage it a little bit and have a bit of a plan for, say, twelve months, two years, five years, ten years, fifty years. What I would wanna do for both of you is, I guess, look at, I guess, foundations is a bit of a like, look at your savings, which you've you've outlined. They're obviously incredibly incredible because of the situation you're in, and that you are saving a lot. So look at how we can possibly direct some of those savings towards wealth generation, and then look at making sure that you guys as as a foundation is set up. So look at your super, look at your insurances, and see whether there's anything we need to do there, see whether there there's any expenses that you're paying unnecessary and necessarily. And then, obviously, look at what you've kind of come to me for, which is looking at how we can invest that money and how we can be effective with it, how we can have a decent growth rate. 100%, we can we can gear in an investment. I'm happy to. Don't be wrong. I will look at, you know, where the property is an option for us because the negative gearing hasn't come into effect yet. It's proposed to come into effect next Wednesday, so theoretically speaking, if you were to purchase a house. There's a no. Not it's proposed to be possibly effective from, basically, the night of the budget if it goes through. But it also hasn't been approved yet. So it's it's all proposed at this point. And until anything's in writing in legislation, it's still open for negotiation and currently, they're negotiating it. Yeah. And if it does, it it could still be an option because they they have to get through they have I mean, don't be wrong. It's been a week since I've looked because I'm at the end of financial year, and I don't have a time to look at politicians. But last last time I I caught up on it, they were still very much in the lower house. So it's still a while away from being approved because they have to get through both houses. So still an option that I can look at, and we can kind of float it and see. But I'll I'll definitely look at, like, IDPS or an investment account and see where that kind of lands us, what that looks like, and I can look at, you know, if we were invested for one year, two year, five year, ten years and look at that. I will also show you what we can do with, say, that tax effective side of things, which doesn't result in you locking the money away. It just becomes tax effective after ten years. It's still liquid and still accessible. It's just it's just it gives us a little bit of options to sort of look into in the event that, well, hey. You know what? Buying a house isn't isn't what we wanna do. We're actually really comfortable staying at dad's and doing what we're doing, fixing it up, then this is where we're just gonna be. It just kinda gives us those couple of options. So I'll look at it all and go from there. But are you comfortable for me to look at, like, your super your insurance? Consider that the savings we put away, like, I can look at you know, we can have it's called a, like, dollar cost averaging, like, savings plan where we, you know, put money into that into that investment to keep it safe. Obviously, I'm not gonna be putting a thousand dollars in, 500 from each of you. That's ridiculous, and you need to be able to still save towards the holiday you wanna do with any improvements to the house and everything. But I can have a little bit of a savings system there to continue compounding that that asset and look it that way? Okay. Cool. So what I would like to ask that is the wrong one. Why did I open that? Oh, well. Now I'm moving too. What I wanted to ask was a couple of really obscure questions. And it's just to, I guess, get a little bit more of a gauge on how you would invest and what your risk appetite is. Realistically, I probably need to speak to Kelly and ask her these same really obscure questions, and I'm happy to talk to her at any time. That's fine. But there's, like, 14 questions. They're really obscure, but it opens conversation. That's all they're supposed to do. So question one is how would you rate your willingness to take on financial risk? So would you say that at this stage in your life, you're actually really willing to take on financial risk, that you're comfortable like, you're you're comfortable to take on risk. You'd count yourself as a pretty high you're a high risk taker. Yep. Yeah. Yeah. Okay. Cool. You probably they're all a little bit different. They all get asked in in different ways. But, yeah, everyone every financial firm will have, like, a risk questionnaire to kind of gauge how things roll for each individual. They're always different, and I've worked for a few companies, and it's always fun to I mean, they were wrong. I got to help write this one, so that was fun. Anyway, how familiar are you with investment markets? So do you understand how investment markets work? Do you like, are you comfortable with with your investment knowledge? Do you feel as though you're a bit of a a noob or cool. How would you describe your experience and understanding of investment markets? So have have you ever invested before? Cool. And when you invested, was it a positive or negative experience? Yep. Absolutely. Yep. So you kind of learn risk and reward that they they balance each other out. Yeah. Cool. Can I ask what do we invest in? Yep. Yep. Yep. Yeah. We liquidated. Yeah. You're like, I'm happy. That's okay. It doesn't have to be a lot of money to feel a win. Now question speaks to two different investments. I'm looking at two different investments. One's the personalized assets. The other is, like, it's just superannuation because I'll I will look at everything. Obviously, your superannuation, you are ten years away from touching. Well, more way more than ten years. You are way, way more. Yeah. Sub 30. Oh, I remember that. With your investments, we said probably something towards the two to five. Like, you're like, yeah, two to five years before we possibly could access that, like, the invested yeah. Cool. Yeah. Two at two at minimum. Yeah. That's okay. Cool. Perfect. And investments can obviously go up and down with volatility. How much of a drop in the investment before you get concerned? Cool. Direct. I love. How would you feel if after six months the portfolio had decreased by 20% and it was all due to general normal market trends, cyclical market? Yep. Absolutely fine. Perfect. Now what kind of return and this is, I guess, more of a psychological question. What kind of return are you wanting out of the investment? As a percentage. Yep. Fair. That that's nothing less than eight. I love it. Absolutely. And definitely keeping up with inflation and all the good things. Yeah. Now how much risk are you willing to take to get the return you want? So are we wanting to go maximum returns regardless of the risk, understanding that risk and reward has, I guess, a a balancing act between the two of them? Yep. Absolutely. Cool. Now neither of these assets you wanna like, you're not wanting to have, like, a capital income, so you're like, the investment account, you're not wanting to to pay, like, dividends to you in cash. You wanna reinvest those. Perfect. Amazing. Now with respect to taking on a loan, have you ever considered borrowing money to invest in stocks before? Have you ever done it? Yep. So, yeah, alright. So it's referred to as, like, leveraging. So we can 100% look at leveraging to be able to invest. There's basically two different ways that you can do that, especially when it comes to stocks. Well, a, an investment property is obviously one of them, but but when it comes to stocks specifically, there are two options. One is that you physically go and borrow money, and, essentially, it is a very specific loan, and that loan has generally a twelve month period. At the twelve month period, you then pay the interest plus the original loan amount back after you liquidate the assets. So that is option one. It means that the entirety of the risk is personally on you because you have to, irrespective, pay that loan back. Otherwise, you default on the loan, and it's bad for your credit rating and all the rest of the fun stuff. The other option is internally geared assets, which means that you put a $100 in, and what happens is that asset goes to the lender. They borrow money, and that could be leveraged anywhere from a 110% to a 160%. I'm sure there are more that are a little bit higher leverage, but, generally, I don't push it too further than a 140 to a 160 depending. And what happens is they basically borrow the amount of money that's relevant to how how they leverage. They invest all of that money on your behalf, and from there, they have the obligation to pay the loan back. Now what that means is, theoretically speaking, if you earn nothing from that, it goes backwards, you could end up pulling nothing back out, but you won't owe them anything. So there's no additional owing on that. So the risk is less on you because you have the caveat of a investment manager. So, basically, they take on that little bit of risk versus you taking on that risk versus if you go direct to a lender, you are responsible for that loan. The difference is is obviously so it's just geared geared it's geared equities, geared assets. Yeah. So both both of them are referred to as gearing, but it's just either personally leveraged or a geared asset. There are quite a few around that are available. There are ones that are more trusted than others depending on the investment manager, but they they are around. They are available on the ASX. They're available available internationally, and they are there to basically allow you to kind of take advantage of a bull and and and deal with and get you more money. It has risk. I'm not saying it doesn't. On a down market, it hurts twice as bad. But on an up up market, it obviously is happiness. So my question is, are we comfortable to borrow money to do such a thing? And under that caveat, are we wanting to borrow personally, or would we be more interested in geared like, internally geared assets? Yeah. Yeah. Yeah. Absolutely. I'm okay with that. Yep. Yep. That's totally fair. It it is a large conversation to have and can be it can be difficult to, I guess, assess without knowing the figures behind it. Okay. Nope. That's okay. So look. You you you you are an aggressive investor, and that's okay. The fact that you've even opened the conversation to consider borrowing money to invest already tells me that you are very much happy to take on risk, but there are layers to risk. And I don't know if I've ever explained this to you previously, but when it comes to investing, there is there is the it's it's called it's called the FAA. So it's the strategic asset allocation. So it's basically where the money sits, whether on the market or off the market. Let's just take our $100. Okay? We put a $100 in the market. That means that we are fully invested in the market. If we were to, say, put $60 in the market and $40 out, it would mean that we are a bit more of a a conservative investor because we're holding back some of our funds to keep a conservative conservative feeling. Now, realistically, when we're looking at at investing a portion of money, generally, it's not gonna be a 100% of what we own. It's gonna be a portion that we're willing to give to that investment. So it's what within that investment holding are you willing to put on the market, and what are you willing not to. The more you put on the market, the better it is. When I say it's not on the market, it's still generally on the market, but it's instead of being in, like, your it's fixed in it's fixed interest or it's high yield bonds or it's something that still earns a little bit, but you're earning correct. You're you're earning a, like, one or 2% over bank returns. It's not we're not reaching for the stars here. We're we're just we're real conservative. At your age, I wouldn't expect there to be a massive allocation to something like that, but we can also still take a little bit of a conservative position and have some of a cushion for if the market does take a bit of a turn because Trump's still doing this stuff and the Australian political are still doing their stuff. So there's still some uncertainty everywhere. Mhmm. Yep. Which means it's a 100%. Mhmm. Yep. Okay. What do you consider? No. Yeah. Yep. So the second line to investing, so that's that's SA. Like, that's a strategic asset allocation. From there, you then have in in your assets, you have what's referred to as the beta and the alpha. We're getting a little technical, but what I wish. No. There's not. No. There's a standard deviation, though, which, you know, I figure, oh, come on. You're you're into science, so surely you're into math. So what what the the beta and the alpha basically mean, it's how the asset is assessed against the benchmark. So something that has a low beta means that it costs less than the benchmark. Something that has a high alpha means that it's outperforming the benchmark. A standard deviation is basically a mix between the two of them against assets of the similar class. Now when it comes to stock options at Oakview, we go with funds that are trusted. We go with funds that are reliable. We don't look for a brand new asset that's just come on the market and has a lot of risk because it's unknown. We're not we're not going for investment managers that are brand new, and we have no idea what what they, you know, are offering because we don't wanna put the additional risk on our clients to going and and chasing down something new and random. We don't invest in crypto. We in we can invest, and we do invest in companies that mine crypto, companies that create AI and algorithm for crypto mining because they generally, it's a side gig to something else that they do. But we're not going and chasing, you know, specific cryptocurrencies because, yeah, majority of them have melted and and burnt away anyway. It's not 2,013 anymore. Right? So while there's always risk in in investing, we're not adding an additional laser risk by going after something that has a risky alpha. We're not going after something that's costing an exuberant amount of money. We're not doing anything like that. We also review our portfolios at minimum 12 monthly, and we have a investment committee that includes BlackRock on it. Do you know who BlackRock is? Fantastic. One less explanation I have to do today. So we have we have options when it comes to investing in those cases. Now what I would need to be able to start going from here so, basically, after this conversation, what I would need is a probably to connect with Keeley at least for ten minutes would be great, which I can call her straight after this if if she's amenable to it. Fair. I wish I was at the gym. I I decided to I didn't. I woke up at 4AM, and one of my kids was crying with a headache. I know. Outrageous. Have kids. It'll be fun. So so what I do from here is I will send you both an email requesting documents. So what I would need is I need superannuation statements. I need, you know, I need to know what you're currently invested in. I need payslips for both of you. And then if you can get me the preapproval for the loan, that would be great because that just gives me a budget summary. It would also give me what your loan approval rate is because they have your credit rating, everything like that. I can make a stab at it, but but the preapproval gives me a much better indication. From there, what I will do is I go and do research. From that research, I come to you with my findings and or recommendations depending on what I find. Sometimes it can just be a follow-up conversation to say, hey. There's all these things. How are you feeling? And then we make a decision from there if we proceed with any form of formal formal advice, and we start implementing things. The couple of things I haven't grabbed though is what is your actual date of birth and what's your address? Because I skipped Correct. Yep. Yep. New South Wales. Perfect. I love that you spelled Sanctuary for me. Cool. Outside of that, and I will just double check, I I have your email address at jesse jessethomasrichards@gmail.com. Would you like me to email Keeley as well to put the request to both of you? And I can organize a time to call and speak to her just to go through the risk profile, introduce myself, and make sure that everything aligns. No. Just touch base with her as well. Cool. Perfect. Because I don't have her phone number either. K, double e, l e y. Yep. Yep. Yep. Perfect. Oh, my love. You really were born in the age where they don't remember anything. Yep. Yep. 648. Perfect. What what I'll do is I'll send an email to both of you. I'll send a text message to Kaylee and just she can respond and let me know when she would like to touch base together. And we can just kinda go over and make sure that everything's kosher, and I'll double check her income and everything. But I'll I'll pop in the email everything that I'll need. The one thing I haven't really talked to you about is insurance. So whilst investments are all happy days and everything, I don't need to probably tell you how insurance works because we've been there and done that. Yep. Do we find value in insurance? Yep. Yep. Yeah. Fair. Yep. Personal insurance really is what it's about. So it's, yeah, life TPD, income protection, stuff like that that, you know, in the event that you weren't weren't able to work or anything happened, you have income still to support you. Income protection obviously continues your income going in the event that you're unable to work short, long term, whatever the case may be. TBD is a big one. Nope. No. That's fine. No. That's cool. It's just generally, it's built into your super, so it's something I'd need to consider anyway. But I'll I'll have a look at it and see what you guys have in terms of cover amounts and go from there. Can I ask, in terms of relationship to factor partners, whatever we wanna call it, have we talked about marriage and children? And children are on the cards maybe or no? Okay. Yeah. No. That's absolutely perfect. No. That's that it's it's good to know because I can, basically, I can look at future planning. I can keep it in your supers and stuff like that, so it's not a drain on you personally. It's just making sure that I do consider the effects of anything that I change or recommend and how that would look overall. So that's perfect. Last couple of questions that I have. Health and lifestyle wise, are we smokers? Do we have any significant injury health issues, anything like that? Nope. No medications or anything that we take outside of, you know, daily and multivitamins. Cool. Nothing. Perfect. We don't have private health, you said. Estate planning wise, do you have a will or power of attorney? I know you have power of attorney for dad, but do you personally have a power of attorney? Cool. No. That's fine. You're super currently. Do you know how it's nominated? Just out of curiosity's sake. Just out of curiosity's sake. And how the beneficiary nomination is in place? So in the event that you passed away, who's receiving funds? Yeah. No. That's okay. Just out of curiosity, whether you knew. No. That's absolutely fine. Perfect. And random side question. Any chance you are a tax resident of any other country at all? Giant citizen? Fantastic. Just obscure questions, but trust me, it pops up more than more often than you would think. Cool. So what I'll do is I will put together an email to send to you both this evening, and it'll just be a request for you to send through documents. There is no rush if you've had a terrible week or day and you just wanna sit and cruise, that's absolutely fine. When you can get the documents to me, I can start researching from there. And then, yeah, we can go from there. More than happy to communicate over email if you have any questions, queries, concerns, or anything to add. And then, generally speaking, two to three weeks to get everything together to come back and chat. When we chat, we can do a video conference call if you want. So that way we can, you know, face to face or we can just do a joint call with the three of us. That's fine too. And then go from there. I can be pretty flexible with my hours. I can start anywhere from 6AM and finish anywhere till 7PM. Look, generally, I'm here later, but I don't like to advertise it that much. Last night, I left at ten. It's end of financial year. So Yeah. Yeah. No. And we understand that that's you know, I don't take personal phone calls while I'm at work, so I get it completely. So so yeah. What what I can do is I can yeah. We can meet at, you know, five, 05:30, and we can go through everything at five, 05:30, and we just you guys can sit down at the dinner table and have a drink and have dinner, and I'll I'll sit and talk to you. Absolutely. Cool. Perfect. Well, what I'll do is I'll start putting everything together. If you see dad in the next few days, say hi for me, and otherwise, you'll have an email. No. We spoke we spoke a couple of times, but he probably doesn't remember me because it's been two years. So he's not going to. Yeah. Like, the team turned around. They're like, do you know a Mark Rich is? I was like, yeah. That was from before times. That was from the before here. And they're like and they're like, how did you remember that? I'm like, because sometimes names stick with you. I'm like, I did an insurance claim. I'm like, I can't remember why, but it'll be insurance claims. I'm like, you have a son named Jesse. And they're like, yeah. They're like, we got an email from Jesse. I was like, oh, no way. And I was so excited. Yes. Yeah. Yep. I'll pat myself on the back for that one. I'll pat myself on the back for that one. Yeah. Yeah. No. Absolutely. No. Perfect. Alright. Well, I'll get cracking on this. You'll have an email from me in a little bit, and we can go from there. No. It's absolutely my pleasure, Jesse. Thank you so much. 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Jesse. Larissa from Oakview Financial. How are you going? Really good. Thank you.\n\nI was pleasantly surprised when the girls told me that you had contacted. Yeah. Yeah. Absolutely. Can I ask?\n\nBecause it's been, like, a good eighteen months, and I have been racking my brain for the last two weeks. Because, like, this no. No. No. No.\n\nI literally, the girl turned around. They're like, do you remember a client by the name of Mark Bridges? I was like, a 100 son was Jesse. Jesse's maybe in his thirties, if I remember correctly. I'm like I'm like, oh, good.\n\nGood. I was like I was like, Mark was I'm like, I didn't I did a claim with Mark, and then I've been racking my head trying to figure out what happened with dad for the last two weeks. How is he going? Okay. Yep.\n\nYeah. Yeah. Because you guys have been dealing with Diogo. Yeah. Absolutely.\n\nI feel privileged. So thank you for reaching out. It was pleasant surprise, and I remembered I remembered everything. It's always kind of a bit of a shambles when you don't have access to file notes and Yeah. Absolutely.\n\nYeah. Okay. Yep. Yep. Yep.\n\nOkay. Cool. Mhmm. Yeah. Yeah.\n\nAlways good to know. Yep. Wanted to talk to someone about options, ideas, and concepts we can do to move forward. No. That's okay.\n\nSo let's let's start with the basics, and we can build our way up. Let's start with, like, occupations and incomes, what what we have asset wise, where we're living, what that looks like, what our costs are, and we can kind of build out a bit of a profile and a bit of a scope from there. We we can talk about what our goals are, where we wanna head with everything. I mean, you've kind of laid it out a little bit anyway, but we can talk about where that looks, and and then I can start putting together a plan on how we proceed with everything and what it will look like in the long term. Cool.\n\nIt and your partner's Keely? Cool. Are we married, de facto? Yep. Yeah.\n\nWe're we're part we're partnered. Yeah. Yes. Perfect. So that's okay.\n\nSo I will early career teacher, so are we school or early education? Okay. Cool. Do you have, I I guess, a a field that you specifically teach? Love.\n\nAnd then primary. Cool. Alright. Incomes for both of us. Perfect.\n\nYep. Yep. Perfect. Alright. Cool.\n\nAnd employer, Education Queensland or private? Oh, sorry. Yep. Okay. Catholic.\n\nAnd then do either of our employers have any specific employer bargaining agreements or EBAs or contract specific, so additional wages paid for anything outside of the norm over time, higher superannuation rates to the standard 12%. No. That's okay. I I can always look up the EBAs for both of them, or we can go with the easier option of if you guys send me a payslip, I can look at it and calculate it. Yeah.\n\nCool. Amazing. Now do with our incomes, are we currently saving, and what do our expenses currently look like? Mhmm. Yep.\n\nOkay. Yes. That actually works nicely. Yeah. You can 100% send that.\n\nYeah. I can send you an email out at the end of the meeting and just itemize everything anyway. You're you're so fine. I'll send you an email at the end, and I'll just ask for anything that I might need. And we can and you can just email it to me when you have a little bit more brain and maybe when you sit down with a beer or a coffee or choice of poison and go from there.\n\nSo assets and liabilities wise, do either of you individually or joint have any debts, credit cards, or loans? Fantastic. And asset wise, what do we have to our names? Cars, boats, jet skis, collectible. Yep.\n\nNo. That's okay. What type of what type of car do you drive? What year, model? Cool.\n\nI can red book look that up. And what's Kealey's car? Perfect. Alright. I can look up yeah.\n\nThat's fine. I rolled around in a '94 Toyota Corolla for the better part of two decades. So I'm not judging. I'm I'm we're fine. Alright.\n\nNow at your age, I'm expecting we haven't been bankrupt or declared any debt agreements, anything like that. Cool. Aside from the physical assets, we obviously have a bit of home and contents, snowboards as you said, bank assets, so actual financial assets. Do we have any shares, and what kind of money do we have in the bank at the moment that is set aside for the deposit? K.\n\nYep. Yep. No. That's okay. Yep.\n\nYep. Yep. Negative gearing going on the wayside. Fair enough. Absolutely.\n\nOkay. So we've basically got $60 or 75. We consider the ETFs that are sitting there as well. Now if if we were to invest that money or do something with it, what would be the time frame that we wanna access those funds? What would be, I guess, the the the goal of those that that money?\n\nIs it just set aside for a rainy day? Are we going to buy in the future, or is dad's house gonna become yours? Yep. Yep. Yep.\n\nIt's long term. Yep. Is yeah. You you you're essentially renting it by paying the ongoing expenses of the property, and that's fine. Yep.\n\nYeah. And that's absolutely fine. And it means that there's someone in the house, so it helps that out from exactly. Yeah. Hi.\n\nCan I ask? Because while I might remember some of dad's position, I don't remember all of it. You're an only child? Cool. I remember dad being single with yep.\n\nSo you inherit everything. Do you know where finances sit for him? Just while I'm not gonna consider it overall, it is something that I do want to, I guess, consider as a background effect on what that looks like. Yes. Yep.\n\nYeah. Yeah. Yep. Good. Yes.\n\nYeah. Yes. No. Absolutely. And, I mean, fingers crossed, he's able to, as awful as it sounds and as good as it sounds, burn through most of it so that way he can enjoy quality of life while he's here.\n\n$300,000 sounds like a good twelve months in Europe. Just He might not remember it, but he will. Cool. No. That's fine.\n\nAlright. So if we invest the money, do we wanna be tax effective with it? Because as you may know, anything that we like, cash in the bank incurs interest, interest goes on to your taxable income, so on and so forth. Cash in the bank, when we're looking at, you know, $30 a pace, we're not really gonna be getting that much interest, so it's not gonna be affecting our taxable income that much. If we invest it and we're then getting, say, 10% on that, it's gonna start increasing everything.\n\nRealistically, it doesn't affect us until we start selling assets, which is where capital gains tax comes into play. But I just wanna sort of, I guess, look at it because there's a couple of options that we can look at. We can look at longer term, like, ten year investments that are tax paid. We're not gonna have it we're not gonna have any tax applicable if like, when we go to draw down in ten years' time. Or if we wanna leave it a little bit more liquid and have access in case something happens, then we can look at, you know, like, a investment account, shares, stock options, ETFs, blah blah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nAbsolutely. I can always look at, I guess, like, property as a as a secondary option and see how that would affect everything. Utilizing, you know, rough estimates in terms of income and everything for the areas, you know, that you would purchase in. And if because you've already got preapproval, that kinda gives me an indication as to what our repayments, interest rates, and everything else are, so I'm not having to go and do that homework. You've already kinda done it for me, which is very nice.\n\nYes. Thank you. Thank you. And the fact that our expenses are really low is definitely a positive. Can I ask how with the fact that our expenses are so low, what are we doing with that excess income?\n\nBecause realistically speaking, on the wages that you guys are on, you are both earning a decent income. I would expect there to be some kind of decent savings. Cool. Yes. Yep.\n\nAlright. So keeping it a little bit liquid so we can do some travel. That works. Yep. Yep.\n\nSo pop put the money in the investment, create a bit of a savings buffer, and then utilize that to travel. Okay. Travel plans, national or international? Okay. So anywhere from 10 to $30 depending on how extravagant extravagant we wanna go.\n\nNo. That's fine. Okay. So when I look at any kind of investment or profile, we follow a bit of a wealth cycle. So what we do is we kinda bring it back down to, like, the bottom and we build our way up.\n\nSo what I would want to do is I would wanna look at not everything because, obviously, there's there's benefits to looking at everything at once, but, also, there's a lot of it can become overwhelming. So I like to kind of, I guess, stage it a little bit and have a bit of a plan for, say, twelve months, two years, five years, ten years, fifty years. What I would wanna do for both of you is, I guess, look at, I guess, foundations is a bit of a like, look at your savings, which you've you've outlined. They're obviously incredibly incredible because of the situation you're in, and that you are saving a lot. So look at how we can possibly direct some of those savings towards wealth generation, and then look at making sure that you guys as as a foundation is set up.\n\nSo look at your super, look at your insurances, and see whether there's anything we need to do there, see whether there there's any expenses that you're paying unnecessary and necessarily. And then, obviously, look at what you've kind of come to me for, which is looking at how we can invest that money and how we can be effective with it, how we can have a decent growth rate. 100%, we can we can gear in an investment. I'm happy to. Don't be wrong.\n\nI will look at, you know, where the property is an option for us because the negative gearing hasn't come into effect yet. It's proposed to come into effect next Wednesday, so theoretically speaking, if you were to purchase a house. There's a no. Not it's proposed to be possibly effective from, basically, the night of the budget if it goes through. But it also hasn't been approved yet.\n\nSo it's it's all proposed at this point. And until anything's in writing in legislation, it's still open for negotiation and currently, they're negotiating it. Yeah. And if it does, it it could still be an option because they they have to get through they have I mean, don't be wrong. It's been a week since I've looked because I'm at the end of financial year, and I don't have a time to look at politicians.\n\nBut last last time I I caught up on it, they were still very much in the lower house. So it's still a while away from being approved because they have to get through both houses. So still an option that I can look at, and we can kind of float it and see. But I'll I'll definitely look at, like, IDPS or an investment account and see where that kind of lands us, what that looks like, and I can look at, you know, if we were invested for one year, two year, five year, ten years and look at that. I will also show you what we can do with, say, that tax effective side of things, which doesn't result in you locking the money away.\n\nIt just becomes tax effective after ten years. It's still liquid and still accessible. It's just it's just it gives us a little bit of options to sort of look into in the event that, well, hey. You know what? Buying a house isn't isn't what we wanna do.\n\nWe're actually really comfortable staying at dad's and doing what we're doing, fixing it up, then this is where we're just gonna be. It just kinda gives us those couple of options. So I'll look at it all and go from there. But are you comfortable for me to look at, like, your super your insurance? Consider that the savings we put away, like, I can look at you know, we can have it's called a, like, dollar cost averaging, like, savings plan where we, you know, put money into that into that investment to keep it safe.\n\nObviously, I'm not gonna be putting a thousand dollars in, 500 from each of you. That's ridiculous, and you need to be able to still save towards the holiday you wanna do with any improvements to the house and everything. But I can have a little bit of a savings system there to continue compounding that that asset and look it that way? Okay. Cool.\n\nSo what I would like to ask that is the wrong one. Why did I open that? Oh, well. Now I'm moving too. What I wanted to ask was a couple of really obscure questions.\n\nAnd it's just to, I guess, get a little bit more of a gauge on how you would invest and what your risk appetite is. Realistically, I probably need to speak to Kelly and ask her these same really obscure questions, and I'm happy to talk to her at any time. That's fine. But there's, like, 14 questions. They're really obscure, but it opens conversation.\n\nThat's all they're supposed to do. So question one is how would you rate your willingness to take on financial risk? So would you say that at this stage in your life, you're actually really willing to take on financial risk, that you're comfortable like, you're you're comfortable to take on risk. You'd count yourself as a pretty high you're a high risk taker. Yep.\n\nYeah. Yeah. Okay. Cool. You probably they're all a little bit different.\n\nThey all get asked in in different ways. But, yeah, everyone every financial firm will have, like, a risk questionnaire to kind of gauge how things roll for each individual. They're always different, and I've worked for a few companies, and it's always fun to I mean, they were wrong. I got to help write this one, so that was fun. Anyway, how familiar are you with investment markets?\n\nSo do you understand how investment markets work? Do you like, are you comfortable with with your investment knowledge? Do you feel as though you're a bit of a a noob or cool. How would you describe your experience and understanding of investment markets? So have have you ever invested before?\n\nCool. And when you invested, was it a positive or negative experience? Yep. Absolutely. Yep.\n\nSo you kind of learn risk and reward that they they balance each other out. Yeah. Cool. Can I ask what do we invest in? Yep.\n\nYep. Yep. Yeah. We liquidated. Yeah.\n\nYou're like, I'm happy. That's okay. It doesn't have to be a lot of money to feel a win. Now question speaks to two different investments. I'm looking at two different investments.\n\nOne's the personalized assets. The other is, like, it's just superannuation because I'll I will look at everything. Obviously, your superannuation, you are ten years away from touching. Well, more way more than ten years. You are way, way more.\n\nYeah. Sub 30. Oh, I remember that. With your investments, we said probably something towards the two to five. Like, you're like, yeah, two to five years before we possibly could access that, like, the invested yeah.\n\nCool. Yeah. Two at two at minimum. Yeah. That's okay.\n\nCool. Perfect. And investments can obviously go up and down with volatility. How much of a drop in the investment before you get concerned? Cool.\n\nDirect. I love. How would you feel if after six months the portfolio had decreased by 20% and it was all due to general normal market trends, cyclical market? Yep. Absolutely fine.\n\nPerfect. Now what kind of return and this is, I guess, more of a psychological question. What kind of return are you wanting out of the investment? As a percentage. Yep.\n\nFair. That that's nothing less than eight. I love it. Absolutely. And definitely keeping up with inflation and all the good things.\n\nYeah. Now how much risk are you willing to take to get the return you want? So are we wanting to go maximum returns regardless of the risk, understanding that risk and reward has, I guess, a a balancing act between the two of them? Yep. Absolutely.\n\nCool. Now neither of these assets you wanna like, you're not wanting to have, like, a capital income, so you're like, the investment account, you're not wanting to to pay, like, dividends to you in cash. You wanna reinvest those. Perfect. Amazing.\n\nNow with respect to taking on a loan, have you ever considered borrowing money to invest in stocks before? Have you ever done it? Yep. So, yeah, alright. So it's referred to as, like, leveraging.\n\nSo we can 100% look at leveraging to be able to invest. There's basically two different ways that you can do that, especially when it comes to stocks. Well, a, an investment property is obviously one of them, but but when it comes to stocks specifically, there are two options. One is that you physically go and borrow money, and, essentially, it is a very specific loan, and that loan has generally a twelve month period. At the twelve month period, you then pay the interest plus the original loan amount back after you liquidate the assets.\n\nSo that is option one. It means that the entirety of the risk is personally on you because you have to, irrespective, pay that loan back. Otherwise, you default on the loan, and it's bad for your credit rating and all the rest of the fun stuff. The other option is internally geared assets, which means that you put a $100 in, and what happens is that asset goes to the lender. They borrow money, and that could be leveraged anywhere from a 110% to a 160%.\n\nI'm sure there are more that are a little bit higher leverage, but, generally, I don't push it too further than a 140 to a 160 depending. And what happens is they basically borrow the amount of money that's relevant to how how they leverage. They invest all of that money on your behalf, and from there, they have the obligation to pay the loan back. Now what that means is, theoretically speaking, if you earn nothing from that, it goes backwards, you could end up pulling nothing back out, but you won't owe them anything. So there's no additional owing on that.\n\nSo the risk is less on you because you have the caveat of a investment manager. So, basically, they take on that little bit of risk versus you taking on that risk versus if you go direct to a lender, you are responsible for that loan. The difference is is obviously so it's just geared geared it's geared equities, geared assets. Yeah. So both both of them are referred to as gearing, but it's just either personally leveraged or a geared asset.\n\nThere are quite a few around that are available. There are ones that are more trusted than others depending on the investment manager, but they they are around. They are available on the ASX. They're available available internationally, and they are there to basically allow you to kind of take advantage of a bull and and and deal with and get you more money. It has risk.\n\nI'm not saying it doesn't. On a down market, it hurts twice as bad. But on an up up market, it obviously is happiness. So my question is, are we comfortable to borrow money to do such a thing? And under that caveat, are we wanting to borrow personally, or would we be more interested in geared like, internally geared assets?\n\nYeah. Yeah. Yeah. Absolutely. I'm okay with that.\n\nYep. Yep. That's totally fair. It it is a large conversation to have and can be it can be difficult to, I guess, assess without knowing the figures behind it. Okay.\n\nNope. That's okay. So look. You you you you are an aggressive investor, and that's okay. The fact that you've even opened the conversation to consider borrowing money to invest already tells me that you are very much happy to take on risk, but there are layers to risk.\n\nAnd I don't know if I've ever explained this to you previously, but when it comes to investing, there is there is the it's it's called it's called the FAA. So it's the strategic asset allocation. So it's basically where the money sits, whether on the market or off the market. Let's just take our $100. Okay?\n\nWe put a $100 in the market. That means that we are fully invested in the market. If we were to, say, put $60 in the market and $40 out, it would mean that we are a bit more of a a conservative investor because we're holding back some of our funds to keep a conservative conservative feeling. Now, realistically, when we're looking at at investing a portion of money, generally, it's not gonna be a 100% of what we own. It's gonna be a portion that we're willing to give to that investment.\n\nSo it's what within that investment holding are you willing to put on the market, and what are you willing not to. The more you put on the market, the better it is. When I say it's not on the market, it's still generally on the market, but it's instead of being in, like, your it's fixed in it's fixed interest or it's high yield bonds or it's something that still earns a little bit, but you're earning correct. You're you're earning a, like, one or 2% over bank returns. It's not we're not reaching for the stars here.\n\nWe're we're just we're real conservative. At your age, I wouldn't expect there to be a massive allocation to something like that, but we can also still take a little bit of a conservative position and have some of a cushion for if the market does take a bit of a turn because Trump's still doing this stuff and the Australian political are still doing their stuff. So there's still some uncertainty everywhere. Mhmm. Yep.\n\nWhich means it's a 100%. Mhmm. Yep. Okay. What do you consider?\n\nNo. Yeah. Yep. So the second line to investing, so that's that's SA. Like, that's a strategic asset allocation.\n\nFrom there, you then have in in your assets, you have what's referred to as the beta and the alpha. We're getting a little technical, but what I wish. No. There's not. No.\n\nThere's a standard deviation, though, which, you know, I figure, oh, come on. You're you're into science, so surely you're into math. So what what the the beta and the alpha basically mean, it's how the asset is assessed against the benchmark. So something that has a low beta means that it costs less than the benchmark. Something that has a high alpha means that it's outperforming the benchmark.\n\nA standard deviation is basically a mix between the two of them against assets of the similar class. Now when it comes to stock options at Oakview, we go with funds that are trusted. We go with funds that are reliable. We don't look for a brand new asset that's just come on the market and has a lot of risk because it's unknown. We're not we're not going for investment managers that are brand new, and we have no idea what what they, you know, are offering because we don't wanna put the additional risk on our clients to going and and chasing down something new and random.\n\nWe don't invest in crypto. We in we can invest, and we do invest in companies that mine crypto, companies that create AI and algorithm for crypto mining because they generally, it's a side gig to something else that they do. But we're not going and chasing, you know, specific cryptocurrencies because, yeah, majority of them have melted and and burnt away anyway. It's not 2,013 anymore. Right?\n\nSo while there's always risk in in investing, we're not adding an additional laser risk by going after something that has a risky alpha. We're not going after something that's costing an exuberant amount of money. We're not doing anything like that. We also review our portfolios at minimum 12 monthly, and we have a investment committee that includes BlackRock on it. Do you know who BlackRock is?\n\nFantastic. One less explanation I have to do today. So we have we have options when it comes to investing in those cases. Now what I would need to be able to start going from here so, basically, after this conversation, what I would need is a probably to connect with Keeley at least for ten minutes would be great, which I can call her straight after this if if she's amenable to it. Fair.\n\nI wish I was at the gym. I I decided to I didn't. I woke up at 4AM, and one of my kids was crying with a headache. I know. Outrageous.\n\nHave kids. It'll be fun. So so what I do from here is I will send you both an email requesting documents. So what I would need is I need superannuation statements. I need, you know, I need to know what you're currently invested in.\n\nI need payslips for both of you. And then if you can get me the preapproval for the loan, that would be great because that just gives me a budget summary. It would also give me what your loan approval rate is because they have your credit rating, everything like that. I can make a stab at it, but but the preapproval gives me a much better indication. From there, what I will do is I go and do research.\n\nFrom that research, I come to you with my findings and or recommendations depending on what I find. Sometimes it can just be a follow-up conversation to say, hey. There's all these things. How are you feeling? And then we make a decision from there if we proceed with any form of formal formal advice, and we start implementing things.\n\nThe couple of things I haven't grabbed though is what is your actual date of birth and what's your address? Because I skipped Correct. Yep. Yep. New South Wales.\n\nPerfect. I love that you spelled Sanctuary for me. Cool. Outside of that, and I will just double check, I I have your email address at jesse jessethomasrichards@gmail.com. Would you like me to email Keeley as well to put the request to both of you?\n\nAnd I can organize a time to call and speak to her just to go through the risk profile, introduce myself, and make sure that everything aligns. No. Just touch base with her as well. Cool. Perfect.\n\nBecause I don't have her phone number either. K, double e, l e y. Yep. Yep. Yep.\n\nPerfect. Oh, my love. You really were born in the age where they don't remember anything. Yep. Yep.\n\n648. Perfect. What what I'll do is I'll send an email to both of you. I'll send a text message to Kaylee and just she can respond and let me know when she would like to touch base together. And we can just kinda go over and make sure that everything's kosher, and I'll double check her income and everything.\n\nBut I'll I'll pop in the email everything that I'll need. The one thing I haven't really talked to you about is insurance. So whilst investments are all happy days and everything, I don't need to probably tell you how insurance works because we've been there and done that. Yep. Do we find value in insurance?\n\nYep. Yep. Yeah. Fair. Yep.\n\nPersonal insurance really is what it's about. So it's, yeah, life TPD, income protection, stuff like that that, you know, in the event that you weren't weren't able to work or anything happened, you have income still to support you. Income protection obviously continues your income going in the event that you're unable to work short, long term, whatever the case may be. TBD is a big one. Nope.\n\nNo. That's fine. No. That's cool. It's just generally, it's built into your super, so it's something I'd need to consider anyway.\n\nBut I'll I'll have a look at it and see what you guys have in terms of cover amounts and go from there. Can I ask, in terms of relationship to factor partners, whatever we wanna call it, have we talked about marriage and children? And children are on the cards maybe or no? Okay. Yeah.\n\nNo. That's absolutely perfect. No. That's that it's it's good to know because I can, basically, I can look at future planning. I can keep it in your supers and stuff like that, so it's not a drain on you personally.\n\nIt's just making sure that I do consider the effects of anything that I change or recommend and how that would look overall. So that's perfect. Last couple of questions that I have. Health and lifestyle wise, are we smokers? Do we have any significant injury health issues, anything like that?\n\nNope. No medications or anything that we take outside of, you know, daily and multivitamins. Cool. Nothing. Perfect.\n\nWe don't have private health, you said. Estate planning wise, do you have a will or power of attorney? I know you have power of attorney for dad, but do you personally have a power of attorney? Cool. No.\n\nThat's fine. You're super currently. Do you know how it's nominated? Just out of curiosity's sake. Just out of curiosity's sake.\n\nAnd how the beneficiary nomination is in place? So in the event that you passed away, who's receiving funds? Yeah. No. That's okay.\n\nJust out of curiosity, whether you knew. No. That's absolutely fine. Perfect. And random side question.\n\nAny chance you are a tax resident of any other country at all? Giant citizen? Fantastic. Just obscure questions, but trust me, it pops up more than more often than you would think. Cool.\n\nSo what I'll do is I will put together an email to send to you both this evening, and it'll just be a request for you to send through documents. There is no rush if you've had a terrible week or day and you just wanna sit and cruise, that's absolutely fine. When you can get the documents to me, I can start researching from there. And then, yeah, we can go from there. More than happy to communicate over email if you have any questions, queries, concerns, or anything to add.\n\nAnd then, generally speaking, two to three weeks to get everything together to come back and chat. When we chat, we can do a video conference call if you want. So that way we can, you know, face to face or we can just do a joint call with the three of us. That's fine too. And then go from there.\n\nI can be pretty flexible with my hours. I can start anywhere from 6AM and finish anywhere till 7PM. Look, generally, I'm here later, but I don't like to advertise it that much. Last night, I left at ten. It's end of financial year.\n\nSo Yeah. Yeah. No. And we understand that that's you know, I don't take personal phone calls while I'm at work, so I get it completely. So so yeah.\n\nWhat what I can do is I can yeah. We can meet at, you know, five, 05:30, and we can go through everything at five, 05:30, and we just you guys can sit down at the dinner table and have a drink and have dinner, and I'll I'll sit and talk to you. Absolutely. Cool. Perfect.\n\nWell, what I'll do is I'll start putting everything together. If you see dad in the next few days, say hi for me, and otherwise, you'll have an email. No. We spoke we spoke a couple of times, but he probably doesn't remember me because it's been two years. So he's not going to.\n\nYeah. Like, the team turned around. They're like, do you know a Mark Rich is? I was like, yeah. That was from before times.\n\nThat was from the before here. And they're like and they're like, how did you remember that? I'm like, because sometimes names stick with you. I'm like, I did an insurance claim. I'm like, I can't remember why, but it'll be insurance claims.\n\nI'm like, you have a son named Jesse. And they're like, yeah. They're like, we got an email from Jesse. I was like, oh, no way. And I was so excited.\n\nYes. Yeah. Yep. I'll pat myself on the back for that one. I'll pat myself on the back for that one.\n\nYeah. Yeah. No. Absolutely. No.\n\nPerfect. Alright. Well, I'll get cracking on this. You'll have an email from me in a little bit, and we can go from there. No.\n\nIt's absolutely my pleasure, Jesse. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jesse.","start":2.8,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.1539408564567566},{"text":"Larissa from Oakview Financial.","start":3.6799998,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.1874483898282051},{"text":"How are you going?","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.21592598035931587},{"text":"Really good.","start":7.9199996,"end":8.88,"sentiment":"positive","sentiment_score":0.7065433263778687},{"text":"Thank you.","start":8.88,"end":9.7,"sentiment":"positive","sentiment_score":0.6752025783061981}],"sentiment":"positive","sentiment_score":0.33463364307369503,"num_words":14,"start":2.8,"end":9.7},{"sentences":[{"text":"I was pleasantly surprised when the girls told me that you had contacted.","start":11.12,"end":16.744999,"sentiment":"neutral","sentiment_score":0.20746156859856385},{"text":"Yeah.","start":34.98,"end":35.48,"sentiment":"neutral","sentiment_score":0.019531920552253723},{"text":"Yeah.","start":36.02,"end":36.52,"sentiment":"neutral","sentiment_score":0.02992366813123226},{"text":"Absolutely.","start":37.46,"end":37.96,"sentiment":"neutral","sentiment_score":0.051260486245155334},{"text":"Can I ask?","start":38.579998,"end":39.48,"sentiment":"neutral","sentiment_score":0.028671973074475925}],"sentiment":"neutral","sentiment_score":0.1517753887333368,"num_words":19,"start":11.12,"end":39.48},{"sentences":[{"text":"Because it's been, like, a good eighteen months, and I have been racking my brain for the last two weeks.","start":40.025,"end":46.925,"sentiment":"neutral","sentiment_score":-0.058475128444843},{"text":"Because, like, this no.","start":47.225,"end":48.665,"sentiment":"neutral","sentiment_score":-0.07506789732724428},{"text":"No.","start":48.665,"end":48.745,"sentiment":"neutral","sentiment_score":-0.13545477390289307},{"text":"No.","start":48.745,"end":48.985,"sentiment":"neutral","sentiment_score":-0.14770172536373138},{"text":"No.","start":48.985,"end":49.225,"sentiment":"neutral","sentiment_score":-0.1668272614479065}],"sentiment":"neutral","sentiment_score":-0.07110214514519882,"num_words":27,"start":40.025,"end":49.225},{"sentences":[{"text":"I literally, the girl turned around.","start":49.225,"end":51.145,"sentiment":"neutral","sentiment_score":-0.12335260833303134},{"text":"They're like, do you remember a client by the name of Mark Bridges?","start":51.145,"end":53.225,"sentiment":"neutral","sentiment_score":-0.035974959341379315},{"text":"I was like, a 100 son was Jesse.","start":53.225,"end":55.71,"sentiment":"neutral","sentiment_score":-0.024720490211620927},{"text":"Jesse's maybe in his thirties, if I remember correctly.","start":55.77,"end":58.75,"sentiment":"neutral","sentiment_score":-0.02903873949415154},{"text":"I'm like I'm like, oh, good.","start":59.37,"end":63.29,"sentiment":"neutral","sentiment_score":0.03587655505786339}],"sentiment":"neutral","sentiment_score":-0.03456293733879214,"num_words":42,"start":49.225,"end":63.29},{"sentences":[{"text":"Good.","start":63.29,"end":63.79,"sentiment":"neutral","sentiment_score":0.14846204221248627},{"text":"I was like I was like, Mark was I'm like, I didn't I did a claim with Mark, and then I've been racking my head trying to figure out what happened with dad for the last two weeks.","start":64.17,"end":74.645004,"sentiment":"neutral","sentiment_score":-0.047447891954920794},{"text":"How is he going?","start":75.345,"end":76.645004,"sentiment":"neutral","sentiment_score":0.034720560535788536},{"text":"Okay.","start":79.08,"end":79.58,"sentiment":"neutral","sentiment_score":0.06223656237125397},{"text":"Yep.","start":85.0875,"end":85.5875,"sentiment":"neutral","sentiment_score":0.05578042566776275}],"sentiment":"neutral","sentiment_score":-0.03105908048649629,"num_words":45,"start":63.29,"end":85.5875},{"sentences":[{"text":"Yeah.","start":91.655,"end":92.155,"sentiment":"neutral","sentiment_score":-0.02752513810992241},{"text":"Yeah.","start":102.215004,"end":102.715004,"sentiment":"neutral","sentiment_score":-0.0036495886743068695},{"text":"Because you guys have been dealing with Diogo.","start":103.095,"end":106.075,"sentiment":"neutral","sentiment_score":-0.026504863752052188},{"text":"Yeah.","start":114.33,"end":114.83,"sentiment":"neutral","sentiment_score":0.022105395793914795},{"text":"Absolutely.","start":122.765,"end":123.265,"sentiment":"positive","sentiment_score":0.44595348834991455}],"sentiment":"neutral","sentiment_score":0.018737103945265215,"num_words":12,"start":91.655,"end":123.265},{"sentences":[{"text":"I feel privileged.","start":123.485,"end":124.525,"sentiment":"positive","sentiment_score":0.5858295758565267},{"text":"So thank you for reaching out.","start":124.525,"end":125.805,"sentiment":"positive","sentiment_score":0.6257412532965342},{"text":"It was pleasant surprise, and I remembered I remembered everything.","start":125.805,"end":129.66501,"sentiment":"neutral","sentiment_score":-0.09463881999254227},{"text":"It's always kind of a bit of a shambles when you don't have access to file notes and Yeah.","start":132.70001,"end":153.965,"sentiment":"neutral","sentiment_score":-0.20812991751652016},{"text":"Absolutely.","start":154.745,"end":155.245,"sentiment":"neutral","sentiment_score":0.05453648418188095}],"sentiment":"neutral","sentiment_score":0.01706707945618874,"num_words":39,"start":123.485,"end":155.245},{"sentences":[{"text":"Yeah.","start":155.705,"end":156.205,"sentiment":"neutral","sentiment_score":0.02167331427335739},{"text":"Okay.","start":161.59999,"end":162.09999,"sentiment":"neutral","sentiment_score":0.014907043427228928},{"text":"Yep.","start":177.535,"end":178.035,"sentiment":"neutral","sentiment_score":0.02477523684501648},{"text":"Yep.","start":181.855,"end":182.355,"sentiment":"neutral","sentiment_score":0.03656825050711632},{"text":"Yep.","start":192.97,"end":193.47,"sentiment":"neutral","sentiment_score":0.04431736469268799}],"sentiment":"neutral","sentiment_score":0.02844824194908142,"num_words":5,"start":155.705,"end":193.47},{"sentences":[{"text":"Okay.","start":194.09,"end":194.59,"sentiment":"neutral","sentiment_score":0.09050747752189636},{"text":"Cool.","start":194.73,"end":195.23,"sentiment":"neutral","sentiment_score":0.09810581803321838},{"text":"Mhmm.","start":196.355,"end":196.855,"sentiment":"neutral","sentiment_score":0.02508409321308136},{"text":"Yeah.","start":205.47499,"end":205.97499,"sentiment":"neutral","sentiment_score":0.024203766137361526},{"text":"Yeah.","start":208.13,"end":208.63,"sentiment":"neutral","sentiment_score":0.060998570173978806}],"sentiment":"neutral","sentiment_score":0.05977994501590729,"num_words":5,"start":194.09,"end":208.63},{"sentences":[{"text":"Always good to know.","start":208.69,"end":209.91,"sentiment":"neutral","sentiment_score":0.05274630431085825},{"text":"Yep.","start":211.01,"end":211.51,"sentiment":"neutral","sentiment_score":0.013013198971748352},{"text":"Wanted to talk to someone about options, ideas, and concepts we can do to move forward.","start":215.48999,"end":219.11,"sentiment":"neutral","sentiment_score":0.2345994693459943},{"text":"No.","start":231.905,"end":232.22499,"sentiment":"neutral","sentiment_score":0.0043852925300598145},{"text":"That's okay.","start":232.22499,"end":232.86499,"sentiment":"neutral","sentiment_score":0.1739833652973175}],"sentiment":"neutral","sentiment_score":0.18041424786982438,"num_words":24,"start":208.69,"end":232.86499},{"sentences":[{"text":"So let's let's start with the basics, and we can build our way up.","start":232.86499,"end":236.52,"sentiment":"neutral","sentiment_score":0.2505376615694591},{"text":"Let's start with, like, occupations and incomes, what what we have asset wise, where we're living, what that looks like, what our costs are, and we can kind of build out a bit of a profile and a bit of a scope from there.","start":237.78,"end":250.52501,"sentiment":"neutral","sentiment_score":0.17895367809317328},{"text":"We we can talk about what our goals are, where we wanna head with everything.","start":251.38501,"end":254.66501,"sentiment":"neutral","sentiment_score":0.287495489915212},{"text":"I mean, you've kind of laid it out a little bit anyway, but we can talk about where that looks, and and then I can start putting together a plan on how we proceed with everything and what it will look like in the long term.","start":254.66501,"end":267.26,"sentiment":"neutral","sentiment_score":0.23109994893488678},{"text":"Cool.","start":271.32,"end":271.82,"sentiment":"positive","sentiment_score":0.4502739906311035}],"sentiment":"neutral","sentiment_score":0.22312327573696772,"num_words":120,"start":232.86499,"end":271.82},{"sentences":[{"text":"It and your partner's Keely?","start":273.0,"end":275.18,"sentiment":"neutral","sentiment_score":0.06263054832816124},{"text":"Cool.","start":276.895,"end":277.395,"sentiment":"neutral","sentiment_score":0.30452847480773926},{"text":"Are we married, de facto?","start":277.575,"end":279.875,"sentiment":"neutral","sentiment_score":0.029232729971408845},{"text":"Yep.","start":282.095,"end":282.595,"sentiment":"neutral","sentiment_score":0.07243545353412628},{"text":"Yeah.","start":289.41,"end":289.91,"sentiment":"neutral","sentiment_score":-0.017734676599502563}],"sentiment":"neutral","sentiment_score":0.06296504948001641,"num_words":13,"start":273.0,"end":289.91},{"sentences":[{"text":"We're we're part we're 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us.","start":349.05002,"end":350.91,"sentiment":"neutral","sentiment_score":0.09814318269491196},{"text":"Perfect.","start":354.985,"end":355.485,"sentiment":"neutral","sentiment_score":0.2568417191505432}],"sentiment":"neutral","sentiment_score":0.16115281866355377,"num_words":11,"start":345.69,"end":355.485},{"sentences":[{"text":"Yep.","start":375.56,"end":376.06,"sentiment":"neutral","sentiment_score":0.0799575001001358},{"text":"Yep.","start":378.775,"end":379.275,"sentiment":"neutral","sentiment_score":0.03521713241934776},{"text":"Perfect.","start":381.33502,"end":381.83502,"sentiment":"positive","sentiment_score":0.4213289022445678},{"text":"Alright.","start":381.89502,"end":382.295,"sentiment":"neutral","sentiment_score":0.20298300683498385},{"text":"Cool.","start":382.295,"end":382.795,"sentiment":"neutral","sentiment_score":0.1650126874446869}],"sentiment":"neutral","sentiment_score":0.18089984580874444,"num_words":5,"start":375.56,"end":382.795},{"sentences":[{"text":"And employer, Education Queensland or private?","start":383.815,"end":389.035,"sentiment":"neutral","sentiment_score":0.021397950903822977},{"text":"Oh, sorry.","start":391.19,"end":391.75,"sentiment":"neutral","sentiment_score":-0.023869872093200684},{"text":"Yep.","start":391.75,"end":392.25,"sentiment":"neutral","sentiment_score":0.01126023195683956},{"text":"Okay.","start":398.31,"end":398.81,"sentiment":"neutral","sentiment_score":0.01994742453098297},{"text":"Catholic.","start":399.50998,"end":400.00998,"sentiment":"neutral","sentiment_score":0.02194107696413994}],"sentiment":"neutral","sentiment_score":0.012163335880772634,"num_words":11,"start":383.815,"end":400.00998},{"sentences":[{"text":"And then do either of our employers have any specific employer bargaining agreements or EBAs or contract specific, so additional wages paid for anything outside of the norm over time, higher superannuation rates to the standard 12%.","start":418.65,"end":445.33502,"sentiment":"neutral","sentiment_score":-0.06251963402924908},{"text":"No.","start":452.14,"end":452.30002,"sentiment":"neutral","sentiment_score":-0.12355069816112518},{"text":"That's okay.","start":452.30002,"end":452.86002,"sentiment":"neutral","sentiment_score":-0.07776615396142006},{"text":"I I can always look up the EBAs for both of them, or we can go with the easier option of if you guys send me a payslip, I can look at it and calculate it.","start":452.86002,"end":461.305,"sentiment":"neutral","sentiment_score":0.02753630927246478},{"text":"Yeah.","start":461.305,"end":461.805,"sentiment":"neutral","sentiment_score":0.031371764838695526}],"sentiment":"neutral","sentiment_score":-0.020384812552191607,"num_words":77,"start":418.65,"end":461.805},{"sentences":[{"text":"Cool.","start":465.305,"end":465.805,"sentiment":"positive","sentiment_score":0.7873806953430176},{"text":"Amazing.","start":466.745,"end":467.245,"sentiment":"positive","sentiment_score":0.8241629004478455},{"text":"Now do with our incomes, are we currently saving, and what do our expenses currently look 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yeah.","start":617.69995,"end":619.39996,"sentiment":"neutral","sentiment_score":0.17428402006626129}],"sentiment":"neutral","sentiment_score":0.20181115364862812,"num_words":18,"start":606.725,"end":619.39996},{"sentences":[{"text":"That's fine.","start":620.01996,"end":620.66,"sentiment":"neutral","sentiment_score":0.301436111330986},{"text":"I rolled around in a '94 Toyota Corolla for the better part of two decades.","start":620.66,"end":625.16,"sentiment":"neutral","sentiment_score":0.16416124751170477},{"text":"So I'm not judging.","start":625.725,"end":628.305,"sentiment":"neutral","sentiment_score":0.2031555138528347},{"text":"I'm I'm we're fine.","start":628.445,"end":630.305,"sentiment":"neutral","sentiment_score":0.265941858291626},{"text":"Alright.","start":633.085,"end":633.585,"sentiment":"neutral","sentiment_score":0.11311998963356018}],"sentiment":"neutral","sentiment_score":0.19441540052111334,"num_words":26,"start":620.01996,"end":633.585},{"sentences":[{"text":"Now at your age, I'm expecting we haven't been bankrupt or declared any debt agreements, anything like that.","start":633.96497,"end":639.745,"sentiment":"neutral","sentiment_score":-0.08381632053189808},{"text":"Cool.","start":640.89,"end":641.39,"sentiment":"neutral","sentiment_score":0.03488047793507576},{"text":"Aside from the physical assets, we obviously have a bit of home and contents, snowboards as you said, bank assets, so actual financial assets.","start":642.89,"end":652.425,"sentiment":"neutral","sentiment_score":0.012547145131975412},{"text":"Do we have any shares, and what kind of money do we have in the bank at the moment that is set aside for the 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okay.","start":692.14996,"end":694.0499,"sentiment":"neutral","sentiment_score":-0.23614396154880524},{"text":"Yep.","start":694.94995,"end":695.44995,"sentiment":"neutral","sentiment_score":-0.11592000722885132}],"sentiment":"neutral","sentiment_score":-0.13557251387586197,"num_words":6,"start":682.935,"end":695.44995},{"sentences":[{"text":"Yep.","start":699.35,"end":699.85,"sentiment":"neutral","sentiment_score":-0.15313830971717834},{"text":"Yep.","start":705.925,"end":706.40497,"sentiment":"neutral","sentiment_score":-0.15469293296337128},{"text":"Negative gearing going on the wayside.","start":706.40497,"end":708.505,"sentiment":"neutral","sentiment_score":-0.2800040418903033},{"text":"Fair enough.","start":718.66,"end":719.4,"sentiment":"neutral","sentiment_score":0.21677269041538239},{"text":"Absolutely.","start":719.46,"end":719.96,"sentiment":"positive","sentiment_score":0.4233640432357788}],"sentiment":"neutral","sentiment_score":-0.10281327908689325,"num_words":11,"start":699.35,"end":719.96},{"sentences":[{"text":"Okay.","start":721.06,"end":721.56,"sentiment":"neutral","sentiment_score":0.2507389783859253},{"text":"So we've basically got $60 or 75.","start":721.7,"end":725.22,"sentiment":"neutral","sentiment_score":0.1708444846527917},{"text":"We consider the ETFs that are sitting there as well.","start":725.22,"end":728.855,"sentiment":"neutral","sentiment_score":0.14454883635044097},{"text":"Now if if we were to invest that money or do something with it, what would be the time frame that we wanna access those funds?","start":730.515,"end":740.115,"sentiment":"neutral","sentiment_score":0.09868347515853551},{"text":"What would be, I guess, the the the goal of those that that money?","start":740.115,"end":744.62,"sentiment":"neutral","sentiment_score":0.1563505046069622}],"sentiment":"neutral","sentiment_score":0.1318416578117116,"num_words":58,"start":721.06,"end":744.62},{"sentences":[{"text":"Is it just set aside for a rainy day?","start":744.62,"end":746.72003,"sentiment":"neutral","sentiment_score":0.17562172644668156},{"text":"Are we going to buy in the future, or is dad's house gonna become yours?","start":747.02,"end":751.84,"sentiment":"neutral","sentiment_score":0.13577114045619965},{"text":"Yep.","start":775.52997,"end":776.02997,"sentiment":"neutral","sentiment_score":0.24509213864803311},{"text":"Yep.","start":780.745,"end":781.245,"sentiment":"neutral","sentiment_score":0.23164767026901245},{"text":"Yep.","start":785.865,"end":786.365,"sentiment":"neutral","sentiment_score":0.20245306193828583}],"sentiment":"neutral","sentiment_score":0.15912427835994297,"num_words":27,"start":744.62,"end":786.365},{"sentences":[{"text":"It's long term.","start":803.57495,"end":807.115,"sentiment":"neutral","sentiment_score":0.0662123089035352},{"text":"Yep.","start":807.415,"end":807.915,"sentiment":"neutral","sentiment_score":0.13922461867332458},{"text":"Is yeah.","start":812.055,"end":814.39,"sentiment":"neutral","sentiment_score":0.13369696587324142},{"text":"You you you're essentially renting it by paying the ongoing expenses of the property, and that's fine.","start":814.39,"end":819.61,"sentiment":"neutral","sentiment_score":0.2040279200848411},{"text":"Yep.","start":821.27,"end":821.77,"sentiment":"neutral","sentiment_score":0.1377074122428894}],"sentiment":"neutral","sentiment_score":0.17547656378398338,"num_words":24,"start":803.57495,"end":821.77},{"sentences":[{"text":"Yeah.","start":824.79,"end":825.19,"sentiment":"positive","sentiment_score":0.6159708499908447},{"text":"And that's absolutely fine.","start":825.19,"end":826.39,"sentiment":"positive","sentiment_score":0.6666675508022308},{"text":"And it means that there's someone in the house, so it helps that out from exactly.","start":826.39,"end":833.775,"sentiment":"positive","sentiment_score":0.46092017088085413},{"text":"Yeah.","start":849.84,"end":850.24,"sentiment":"neutral","sentiment_score":0.02811744064092636},{"text":"Hi.","start":850.24,"end":850.74,"sentiment":"neutral","sentiment_score":0.015701955184340477}],"sentiment":"positive","sentiment_score":0.46526883404863917,"num_words":23,"start":824.79,"end":850.74},{"sentences":[{"text":"Can I ask?","start":851.2,"end":852.18,"sentiment":"neutral","sentiment_score":0.00987352803349495},{"text":"Because while I might remember some of dad's position, I don't remember all of it.","start":852.32,"end":856.66504,"sentiment":"neutral","sentiment_score":-0.013558411970734596},{"text":"You're an only child?","start":857.60504,"end":859.145,"sentiment":"neutral","sentiment_score":-0.008444500854238868},{"text":"Cool.","start":861.045,"end":861.445,"sentiment":"neutral","sentiment_score":0.06377778947353363},{"text":"I remember dad being single with yep.","start":861.445,"end":869.91,"sentiment":"neutral","sentiment_score":0.01513797789812088}],"sentiment":"neutral","sentiment_score":-0.0012596654705703259,"num_words":30,"start":851.2,"end":869.91},{"sentences":[{"text":"So you inherit everything.","start":870.44995,"end":871.97,"sentiment":"neutral","sentiment_score":0.01754672615788877},{"text":"Do you know where finances sit for him?","start":871.97,"end":874.76996,"sentiment":"neutral","sentiment_score":0.012140784645453095},{"text":"Just while I'm not gonna consider it overall, it is something that I do want to, I guess, consider as a background effect on what that looks like.","start":874.76996,"end":883.885,"sentiment":"neutral","sentiment_score":0.008622724288475834},{"text":"Yes.","start":889.865,"end":890.365,"sentiment":"neutral","sentiment_score":0.11149101704359056},{"text":"Yep.","start":898.04,"end":898.54,"sentiment":"neutral","sentiment_score":0.2491534799337387}],"sentiment":"neutral","sentiment_score":0.01831890378213887,"num_words":42,"start":870.44995,"end":898.54},{"sentences":[{"text":"Yeah.","start":906.695,"end":907.195,"sentiment":"neutral","sentiment_score":0.1644101440906525},{"text":"Yeah.","start":920.07,"end":920.57,"sentiment":"neutral","sentiment_score":0.19650578498840332},{"text":"Yep.","start":921.99005,"end":922.49005,"sentiment":"neutral","sentiment_score":0.25335195660591125},{"text":"Good.","start":925.91003,"end":926.41003,"sentiment":"positive","sentiment_score":0.4993852972984314},{"text":"Yes.","start":929.67004,"end":930.17004,"sentiment":"neutral","sentiment_score":0.16288933157920835}],"sentiment":"neutral","sentiment_score":0.2553085029125214,"num_words":5,"start":906.695,"end":930.17004},{"sentences":[{"text":"Yeah.","start":936.685,"end":937.185,"sentiment":"neutral","sentiment_score":-0.08776839822530746},{"text":"Yes.","start":939.085,"end":939.585,"sentiment":"neutral","sentiment_score":0.2002573013305664},{"text":"No.","start":939.80505,"end":940.125,"sentiment":"neutral","sentiment_score":-0.06203574687242508},{"text":"Absolutely.","start":940.125,"end":940.625,"sentiment":"neutral","sentiment_score":0.1703794002532959},{"text":"And, I mean, fingers crossed, he's able to, as awful as it sounds and as good as it sounds, burn through most of it so that way he can enjoy quality of life while he's here.","start":942.04504,"end":951.04,"sentiment":"neutral","sentiment_score":-0.08490791068308884}],"sentiment":"neutral","sentiment_score":-0.0708963057026267,"num_words":40,"start":936.685,"end":951.04},{"sentences":[{"text":"$300,000 sounds like a good twelve months in Europe.","start":953.66,"end":956.72,"sentiment":"neutral","sentiment_score":0.14756328695350224},{"text":"Just He might not remember it, but he will.","start":957.57996,"end":963.005,"sentiment":"neutral","sentiment_score":0.013359212420052953},{"text":"Cool.","start":967.945,"end":968.425,"sentiment":"neutral","sentiment_score":0.23258960247039795},{"text":"No.","start":968.425,"end":968.665,"sentiment":"neutral","sentiment_score":0.036915406584739685},{"text":"That's fine.","start":968.665,"end":969.625,"sentiment":"neutral","sentiment_score":0.1390317901968956}],"sentiment":"neutral","sentiment_score":0.09072141290049661,"num_words":22,"start":953.66,"end":969.625},{"sentences":[{"text":"Alright.","start":969.625,"end":970.105,"sentiment":"neutral","sentiment_score":0.1467818319797516},{"text":"So if we invest the money, do we wanna be tax effective with it?","start":970.105,"end":977.84,"sentiment":"neutral","sentiment_score":0.04946240809346948},{"text":"Because as you may know, anything that we like, cash in the bank incurs interest, interest goes on to your taxable income, so on and so forth.","start":978.54,"end":987.335,"sentiment":"neutral","sentiment_score":0.014056961017626303},{"text":"Cash in the bank, when we're looking at, you know, $30 a pace, we're not really gonna be getting that much interest, so it's not gonna be affecting our taxable income that much.","start":988.435,"end":996.375,"sentiment":"neutral","sentiment_score":0.021220165671724262},{"text":"If we invest it and we're then getting, say, 10% on that, it's gonna start increasing everything.","start":996.515,"end":1002.81,"sentiment":"neutral","sentiment_score":0.04845417838762788}],"sentiment":"neutral","sentiment_score":0.02981282600566097,"num_words":92,"start":969.625,"end":1002.81},{"sentences":[{"text":"Realistically, it doesn't affect us until we start selling assets, which is where capital gains tax comes into play.","start":1003.43,"end":1010.17,"sentiment":"neutral","sentiment_score":0.02507136624894644},{"text":"But I just wanna sort of, I guess, look at it because there's a couple of options that we can look at.","start":1012.245,"end":1016.565,"sentiment":"neutral","sentiment_score":0.06848476962609724},{"text":"We can look at longer term, like, ten year investments that are tax paid.","start":1016.565,"end":1021.945,"sentiment":"neutral","sentiment_score":0.0619924645870924},{"text":"We're not gonna have it we're not gonna have any tax applicable if like, when we go to draw down in ten years' time.","start":1022.165,"end":1028.5599,"sentiment":"neutral","sentiment_score":-0.010608918887252608},{"text":"Or if we wanna leave it a little bit more liquid and have access in case something happens, then we can look at, you know, like, a investment account, shares, stock options, ETFs, blah blah.","start":1028.7,"end":1042.735,"sentiment":"neutral","sentiment_score":0.07045340637144233}],"sentiment":"neutral","sentiment_score":0.0444050049511389,"num_words":114,"start":1003.43,"end":1042.735},{"sentences":[{"text":"Yep.","start":1045.4349,"end":1045.9349,"sentiment":"neutral","sentiment_score":0.08799439668655396},{"text":"Yep.","start":1051.6749,"end":1052.1749,"sentiment":"neutral","sentiment_score":0.028025060892105103},{"text":"Yep.","start":1054.49,"end":1054.99,"sentiment":"neutral","sentiment_score":-0.04679776355624199},{"text":"Yeah.","start":1071.145,"end":1071.645,"sentiment":"neutral","sentiment_score":0.08048950135707855},{"text":"Yeah.","start":1101.91,"end":1102.41,"sentiment":"neutral","sentiment_score":0.027503589168190956}],"sentiment":"neutral","sentiment_score":0.03544295690953732,"num_words":5,"start":1045.4349,"end":1102.41},{"sentences":[{"text":"Absolutely.","start":1102.4701,"end":1102.9701,"sentiment":"neutral","sentiment_score":0.24225851893424988},{"text":"I can always look at, I guess, like, property as a as a secondary option and see how that would affect everything.","start":1103.75,"end":1110.25,"sentiment":"neutral","sentiment_score":0.12359329516237433},{"text":"Utilizing, you know, rough estimates in terms of income and everything for the areas, you know, that you would purchase in.","start":1112.9501,"end":1122.875,"sentiment":"neutral","sentiment_score":0.08885952085256577},{"text":"And if because you've already got preapproval, that kinda gives me an indication as to what our repayments, interest rates, and everything else are, so I'm not having to go and do that homework.","start":1123.015,"end":1132.13,"sentiment":"neutral","sentiment_score":0.08523716169464238},{"text":"You've already kinda done it for me, which is very nice.","start":1132.13,"end":1134.39,"sentiment":"neutral","sentiment_score":0.250486549328674}],"sentiment":"neutral","sentiment_score":0.1177615336027373,"num_words":89,"start":1102.4701,"end":1134.39},{"sentences":[{"text":"Yes.","start":1137.73,"end":1137.97,"sentiment":"positive","sentiment_score":0.49687671661376953},{"text":"Thank you.","start":1137.97,"end":1138.45,"sentiment":"positive","sentiment_score":0.7112277150154114},{"text":"Thank you.","start":1138.45,"end":1139.11,"sentiment":"positive","sentiment_score":0.7003834843635559},{"text":"And the fact that our expenses are really low is definitely a positive.","start":1139.49,"end":1143.745,"sentiment":"positive","sentiment_score":0.6594521357462957},{"text":"Can I ask how with the fact that our expenses are so low, what are we doing with that excess income?","start":1145.4049,"end":1156.25,"sentiment":"neutral","sentiment_score":0.10428375919305143}],"sentiment":"positive","sentiment_score":0.36110091854173404,"num_words":39,"start":1137.73,"end":1156.25},{"sentences":[{"text":"Because realistically speaking, on the wages that you guys are on, you are both earning a decent income.","start":1156.25,"end":1162.75,"sentiment":"positive","sentiment_score":0.3636545249157482},{"text":"I would expect there to be some kind of decent savings.","start":1162.8899,"end":1167.47,"sentiment":"neutral","sentiment_score":0.15374205667864194},{"text":"Cool.","start":1178.9551,"end":1179.4551,"sentiment":"neutral","sentiment_score":0.16210520267486572},{"text":"Yes.","start":1183.85,"end":1184.35,"sentiment":"neutral","sentiment_score":0.1845589280128479},{"text":"Yep.","start":1197.305,"end":1197.805,"sentiment":"neutral","sentiment_score":0.08143498003482819}],"sentiment":"neutral","sentiment_score":0.27078259945847094,"num_words":32,"start":1156.25,"end":1197.805},{"sentences":[{"text":"Alright.","start":1198.1051,"end":1198.425,"sentiment":"neutral","sentiment_score":0.14814428985118866},{"text":"So keeping it a little bit liquid so we can do some travel.","start":1198.425,"end":1201.145,"sentiment":"neutral","sentiment_score":0.22951201979930586},{"text":"That works.","start":1201.145,"end":1201.805,"sentiment":"neutral","sentiment_score":0.24681101739406586},{"text":"Yep.","start":1205.3999,"end":1205.8999,"sentiment":"neutral","sentiment_score":0.03341172635555267},{"text":"Yep.","start":1209.5599,"end":1210.0399,"sentiment":"neutral","sentiment_score":0.05480735003948212}],"sentiment":"neutral","sentiment_score":0.20631342546807396,"num_words":18,"start":1198.1051,"end":1210.0399},{"sentences":[{"text":"So pop put the money in the investment, create a bit of a savings buffer, and then utilize that to travel.","start":1210.0399,"end":1218.925,"sentiment":"neutral","sentiment_score":0.10944295958394096},{"text":"Okay.","start":1218.985,"end":1219.485,"sentiment":"neutral","sentiment_score":0.0921010673046112},{"text":"Travel plans, national or international?","start":1220.585,"end":1222.6849,"sentiment":"neutral","sentiment_score":0.0680995151400566},{"text":"Okay.","start":1225.465,"end":1225.945,"sentiment":"neutral","sentiment_score":0.04869768396019936},{"text":"So anywhere from 10 to $30 depending on how extravagant extravagant we wanna go.","start":1225.945,"end":1231.725,"sentiment":"neutral","sentiment_score":0.055502742528915405}],"sentiment":"neutral","sentiment_score":0.08468183032458737,"num_words":42,"start":1210.0399,"end":1231.725},{"sentences":[{"text":"No.","start":1234.09,"end":1234.17,"sentiment":"neutral","sentiment_score":0.012290462851524351},{"text":"That's fine.","start":1234.17,"end":1235.07,"sentiment":"neutral","sentiment_score":0.06456740759313107},{"text":"Okay.","start":1235.85,"end":1236.35,"sentiment":"neutral","sentiment_score":0.06541266292333603},{"text":"So when I look at any kind of investment or profile, we follow a bit of a wealth cycle.","start":1236.41,"end":1245.63,"sentiment":"neutral","sentiment_score":0.06658526353145901},{"text":"So what we do is we kinda bring it back down to, like, the bottom and we build our way up.","start":1246.01,"end":1250.465,"sentiment":"neutral","sentiment_score":0.12140392334688277}],"sentiment":"neutral","sentiment_score":0.09139637132598595,"num_words":44,"start":1234.09,"end":1250.465},{"sentences":[{"text":"So what I would want to do is I would wanna look at not everything because, obviously, there's there's benefits to looking at everything at once, but, also, there's a lot of it can become overwhelming.","start":1250.465,"end":1263.125,"sentiment":"neutral","sentiment_score":-0.04451628795100583},{"text":"So I like to kind of, I guess, stage it a little bit and have a bit of a plan for, say, twelve months, two years, five years, ten years, fifty years.","start":1264.44,"end":1271.6599,"sentiment":"neutral","sentiment_score":0.05597710679285228},{"text":"What I would wanna do for both of you is, I guess, look at, I guess, foundations is a bit of a like, look at your savings, which you've you've outlined.","start":1272.6799,"end":1280.885,"sentiment":"neutral","sentiment_score":0.14850067755868357},{"text":"They're obviously incredibly incredible because of the situation you're in, and that you are saving a lot.","start":1280.885,"end":1286.965,"sentiment":"positive","sentiment_score":0.7540072062436272},{"text":"So look at how we can possibly direct some of those savings towards wealth generation, and then look at making sure that you guys as as a foundation is set up.","start":1287.2849,"end":1298.9299,"sentiment":"positive","sentiment_score":0.386198706684574}],"sentiment":"neutral","sentiment_score":0.20124139094433816,"num_words":147,"start":1250.465,"end":1298.9299},{"sentences":[{"text":"So look at your super, look at your insurances, and see whether there's anything we need to do there, see whether there there's any expenses that you're paying unnecessary and necessarily.","start":1298.9299,"end":1307.535,"sentiment":"neutral","sentiment_score":0.11364954289409422},{"text":"And then, obviously, look at what you've kind of come to me for, which is looking at how we can invest that money and how we can be effective with it, how we can have a decent growth rate.","start":1309.1951,"end":1318.44,"sentiment":"neutral","sentiment_score":0.23455947236372873},{"text":"100%, we can we can gear in an investment.","start":1319.3999,"end":1322.1199,"sentiment":"neutral","sentiment_score":0.2537018275923199},{"text":"I'm happy to.","start":1322.1199,"end":1323.5,"sentiment":"neutral","sentiment_score":0.27947405974070233},{"text":"Don't be wrong.","start":1324.44,"end":1325.0,"sentiment":"neutral","sentiment_score":0.010464193920294443}],"sentiment":"neutral","sentiment_score":0.1861657230731319,"num_words":85,"start":1298.9299,"end":1325.0},{"sentences":[{"text":"I will look at, you know, where the property is an option for us because the negative gearing hasn't come into effect yet.","start":1325.0,"end":1331.58,"sentiment":"neutral","sentiment_score":-0.021467234453429348},{"text":"It's proposed to come into effect next Wednesday, so theoretically speaking, if you were to purchase a house.","start":1332.495,"end":1337.235,"sentiment":"neutral","sentiment_score":0.012718634265992377},{"text":"There's a no.","start":1338.175,"end":1341.235,"sentiment":"neutral","sentiment_score":-0.10844555497169495},{"text":"Not it's proposed to be possibly effective from, basically, the night of the budget if it goes through.","start":1341.375,"end":1350.05,"sentiment":"neutral","sentiment_score":-0.0764892924990919},{"text":"But it also hasn't been approved yet.","start":1353.63,"end":1355.41,"sentiment":"neutral","sentiment_score":-0.10953587213797229}],"sentiment":"neutral","sentiment_score":-0.039618927688486336,"num_words":69,"start":1325.0,"end":1355.41},{"sentences":[{"text":"So it's it's all proposed at this point.","start":1357.955,"end":1360.615,"sentiment":"neutral","sentiment_score":-0.01572781626600772},{"text":"And until anything's in writing in legislation, it's still open for negotiation and currently, they're negotiating it.","start":1361.3949,"end":1370.615,"sentiment":"neutral","sentiment_score":-0.037596125374822056},{"text":"Yeah.","start":1371.93,"end":1372.43,"sentiment":"neutral","sentiment_score":0.050278190523386},{"text":"And if it does, it it could still be an option because they they have to get through they have I mean, don't be wrong.","start":1375.37,"end":1382.4901,"sentiment":"neutral","sentiment_score":-0.01282672882080078},{"text":"It's been a week since I've looked because I'm at the end of financial year, and I don't have a time to look at politicians.","start":1382.4901,"end":1387.1449,"sentiment":"neutral","sentiment_score":-0.14742376059293746}],"sentiment":"neutral","sentiment_score":-0.06211764087263299,"num_words":76,"start":1357.955,"end":1387.1449},{"sentences":[{"text":"But last last time I I caught up on it, they were still very much in the lower house.","start":1390.245,"end":1394.565,"sentiment":"neutral","sentiment_score":-0.23197772785236961},{"text":"So it's still a while away from being approved because they have to get through both houses.","start":1394.565,"end":1400.105,"sentiment":"neutral","sentiment_score":-0.2677275542827213},{"text":"So still an option that I can look at, and we can kind of float it and see.","start":1401.78,"end":1406.8401,"sentiment":"neutral","sentiment_score":0.18413891560501522},{"text":"But I'll I'll definitely look at, like, IDPS or an investment account and see where that kind of lands us, what that looks like, and I can look at, you know, if we were invested for one year, two year, five year, ten years and look at that.","start":1408.26,"end":1421.845,"sentiment":"neutral","sentiment_score":0.17432912858203053},{"text":"I will also show you what we can do with, say, that tax effective side of things, which doesn't result in you locking the money away.","start":1421.845,"end":1432.12,"sentiment":"neutral","sentiment_score":0.18542871738855654}],"sentiment":"neutral","sentiment_score":0.05894140666350722,"num_words":128,"start":1390.245,"end":1432.12},{"sentences":[{"text":"It just becomes tax effective after ten years.","start":1432.5,"end":1435.06,"sentiment":"neutral","sentiment_score":0.21121679805219173},{"text":"It's still liquid and still accessible.","start":1435.06,"end":1436.6,"sentiment":"positive","sentiment_score":0.33740727603435516},{"text":"It's just it's just it gives us a little bit of options to sort of look into in the event that, well, hey.","start":1436.8201,"end":1442.735,"sentiment":"neutral","sentiment_score":0.22747737007296603},{"text":"You know what?","start":1442.735,"end":1443.5549,"sentiment":"neutral","sentiment_score":0.04286743948856989},{"text":"Buying a house isn't isn't what we wanna do.","start":1444.255,"end":1445.855,"sentiment":"neutral","sentiment_score":0.07054694162474738}],"sentiment":"neutral","sentiment_score":0.1981567825589861,"num_words":49,"start":1432.5,"end":1445.855},{"sentences":[{"text":"We're actually really comfortable staying at dad's and doing what we're doing, fixing it up, then this is where we're just gonna be.","start":1445.855,"end":1451.075,"sentiment":"neutral","sentiment_score":0.2901490376047466},{"text":"It just kinda gives us those couple of options.","start":1452.37,"end":1454.21,"sentiment":"neutral","sentiment_score":0.23323309587107766},{"text":"So I'll look at it all and go from there.","start":1454.21,"end":1456.61,"sentiment":"neutral","sentiment_score":0.191724756360054},{"text":"But are you comfortable for me to look at, like, your super your insurance?","start":1456.61,"end":1460.23,"sentiment":"neutral","sentiment_score":0.09871730793799673},{"text":"Consider that the savings we put away, like, I can look at you know, we can have it's called a, like, dollar cost averaging, like, savings plan where we, you know, put money into that into that investment to keep it safe.","start":1460.85,"end":1477.335,"sentiment":"neutral","sentiment_score":0.13954046670170056}],"sentiment":"neutral","sentiment_score":0.18298484901992643,"num_words":98,"start":1445.855,"end":1477.335},{"sentences":[{"text":"Obviously, I'm not gonna be putting a thousand dollars in, 500 from each of you.","start":1477.335,"end":1480.455,"sentiment":"neutral","sentiment_score":-0.08649732830623785},{"text":"That's ridiculous, and you need to be able to still save towards the holiday you wanna do with any improvements to the house and everything.","start":1480.455,"end":1487.14,"sentiment":"neutral","sentiment_score":0.13035186797380446},{"text":"But I can have a little bit of a savings system there to continue compounding that that asset and look it that way?","start":1488.88,"end":1497.715,"sentiment":"neutral","sentiment_score":0.1459324296725833},{"text":"Okay.","start":1499.855,"end":1500.255,"sentiment":"neutral","sentiment_score":0.07465263456106186},{"text":"Cool.","start":1500.255,"end":1500.755,"sentiment":"neutral","sentiment_score":0.1475190669298172}],"sentiment":"neutral","sentiment_score":0.08523006705710522,"num_words":65,"start":1477.335,"end":1500.755},{"sentences":[{"text":"So what I would like to ask that is the wrong one.","start":1501.2949,"end":1506.1749,"sentiment":"neutral","sentiment_score":-0.1564490053181847},{"text":"Why did I open that?","start":1506.1749,"end":1507.135,"sentiment":"neutral","sentiment_score":-0.22445535957813262},{"text":"Oh, well.","start":1507.135,"end":1507.455,"sentiment":"neutral","sentiment_score":-0.06220332533121109},{"text":"Now I'm moving too.","start":1507.455,"end":1508.34,"sentiment":"neutral","sentiment_score":-0.037735105492174625},{"text":"What I wanted to ask was a couple of really obscure questions.","start":1509.38,"end":1512.84,"sentiment":"neutral","sentiment_score":-0.026909610722213984}],"sentiment":"neutral","sentiment_score":-0.10279792180018765,"num_words":35,"start":1501.2949,"end":1512.84},{"sentences":[{"text":"And it's just to, I guess, get a little bit more of a gauge on how you would invest and what your risk appetite is.","start":1513.2999,"end":1523.24,"sentiment":"neutral","sentiment_score":-0.014133285097777844},{"text":"Realistically, I probably need to speak to Kelly and ask her these same really obscure questions, and I'm happy to talk to her at any time.","start":1524.475,"end":1531.2749,"sentiment":"neutral","sentiment_score":0.13440451950121385},{"text":"That's fine.","start":1531.2749,"end":1532.095,"sentiment":"neutral","sentiment_score":0.1809612289071083},{"text":"But there's, like, 14 questions.","start":1534.715,"end":1536.475,"sentiment":"neutral","sentiment_score":0.016648249141871928},{"text":"They're really obscure, but it opens conversation.","start":1536.475,"end":1539.23,"sentiment":"neutral","sentiment_score":0.012252003220575196}],"sentiment":"neutral","sentiment_score":0.05649404777930333,"num_words":65,"start":1513.2999,"end":1539.23},{"sentences":[{"text":"That's all they're supposed to do.","start":1539.29,"end":1540.75,"sentiment":"neutral","sentiment_score":0.02045219112187624},{"text":"So question one is how would you rate your willingness to take on financial risk?","start":1541.69,"end":1548.43,"sentiment":"neutral","sentiment_score":0.011654092868169149},{"text":"So would you say that at this stage in your life, you're actually really willing to take on financial risk, that you're comfortable like, you're you're comfortable to take on risk.","start":1548.73,"end":1556.595,"sentiment":"neutral","sentiment_score":0.025214027373060104},{"text":"You'd count yourself as a pretty high you're a high risk taker.","start":1556.595,"end":1562.295,"sentiment":"neutral","sentiment_score":-0.03811985502640406},{"text":"Yep.","start":1565.57,"end":1566.07,"sentiment":"neutral","sentiment_score":0.09087283909320833}],"sentiment":"neutral","sentiment_score":0.010962984109154115,"num_words":65,"start":1539.29,"end":1566.07},{"sentences":[{"text":"Yeah.","start":1576.29,"end":1576.79,"sentiment":"neutral","sentiment_score":0.0035185031592845917},{"text":"Yeah.","start":1585.8251,"end":1586.145,"sentiment":"neutral","sentiment_score":0.023299701511859897},{"text":"Okay.","start":1586.145,"end":1586.625,"sentiment":"neutral","sentiment_score":0.02269086241722107},{"text":"Cool.","start":1586.625,"end":1587.125,"sentiment":"neutral","sentiment_score":0.15087014436721802},{"text":"You probably they're all a little bit different.","start":1589.6,"end":1592.24,"sentiment":"neutral","sentiment_score":0.04114660061895847}],"sentiment":"neutral","sentiment_score":0.04412933470060428,"num_words":12,"start":1576.29,"end":1592.24},{"sentences":[{"text":"They all get asked in in different ways.","start":1592.24,"end":1594.24,"sentiment":"neutral","sentiment_score":0.03559489129111171},{"text":"But, yeah, everyone every financial firm will have, like, a risk questionnaire to kind of gauge how things roll for each individual.","start":1594.24,"end":1603.06,"sentiment":"neutral","sentiment_score":0.059292391619899056},{"text":"They're always different, and I've worked for a few companies, and it's always fun to I mean, they were wrong.","start":1603.835,"end":1609.035,"sentiment":"neutral","sentiment_score":0.14985839053988456},{"text":"I got to help write this one, so that was fun.","start":1609.035,"end":1611.135,"sentiment":"neutral","sentiment_score":0.2643559751185504},{"text":"Anyway, how familiar are you with investment markets?","start":1611.755,"end":1615.515,"sentiment":"neutral","sentiment_score":0.06399181624874473}],"sentiment":"neutral","sentiment_score":0.11603202627620836,"num_words":69,"start":1592.24,"end":1615.515},{"sentences":[{"text":"So do you understand how investment markets work?","start":1615.515,"end":1618.175,"sentiment":"neutral","sentiment_score":0.04494682280346751},{"text":"Do you like, are you comfortable with with your investment knowledge?","start":1618.475,"end":1622.13,"sentiment":"neutral","sentiment_score":0.029127434742721645},{"text":"Do you feel as though you're a bit of a a noob or cool.","start":1622.13,"end":1628.39,"sentiment":"neutral","sentiment_score":-0.0586083796141403},{"text":"How would you describe your experience and understanding of investment markets?","start":1630.45,"end":1635.035,"sentiment":"neutral","sentiment_score":0.10708107528361407},{"text":"So have have you ever invested before?","start":1635.035,"end":1637.295,"sentiment":"neutral","sentiment_score":0.03740306783999715}],"sentiment":"neutral","sentiment_score":0.025473967705871545,"num_words":51,"start":1615.515,"end":1637.295},{"sentences":[{"text":"Cool.","start":1638.875,"end":1639.375,"sentiment":"neutral","sentiment_score":0.13106243312358856},{"text":"And when you invested, was it a positive or negative experience?","start":1639.435,"end":1643.055,"sentiment":"neutral","sentiment_score":-0.02044492248784412},{"text":"Yep.","start":1647.13,"end":1647.4501,"sentiment":"neutral","sentiment_score":-0.007446810603141785},{"text":"Absolutely.","start":1647.4501,"end":1647.9501,"sentiment":"neutral","sentiment_score":0.029610075056552887},{"text":"Yep.","start":1649.93,"end":1650.25,"sentiment":"neutral","sentiment_score":0.05700377747416496}],"sentiment":"neutral","sentiment_score":-0.0009776448210080464,"num_words":15,"start":1638.875,"end":1650.25},{"sentences":[{"text":"So you kind of learn risk and reward that they they balance each other out.","start":1650.25,"end":1655.4701,"sentiment":"neutral","sentiment_score":0.09181270425518354},{"text":"Yeah.","start":1656.01,"end":1656.51,"sentiment":"neutral","sentiment_score":0.14632275700569153},{"text":"Cool.","start":1656.73,"end":1657.13,"sentiment":"neutral","sentiment_score":0.16777268052101135},{"text":"Can I ask what do we invest in?","start":1657.13,"end":1658.8301,"sentiment":"neutral","sentiment_score":0.06764086801558733},{"text":"Yep.","start":1665.395,"end":1665.895,"sentiment":"neutral","sentiment_score":0.08079385757446289}],"sentiment":"neutral","sentiment_score":0.08896949242513913,"num_words":26,"start":1650.25,"end":1665.895},{"sentences":[{"text":"Yep.","start":1676.77,"end":1676.85,"sentiment":"neutral","sentiment_score":0.08806030452251434},{"text":"Yep.","start":1676.85,"end":1677.35,"sentiment":"neutral","sentiment_score":0.091798797249794},{"text":"Yeah.","start":1686.555,"end":1687.055,"sentiment":"neutral","sentiment_score":0.07262470573186874},{"text":"We liquidated.","start":1687.675,"end":1688.415,"sentiment":"neutral","sentiment_score":0.05132143199443817},{"text":"Yeah.","start":1690.555,"end":1691.055,"sentiment":"neutral","sentiment_score":0.16372478008270264}],"sentiment":"neutral","sentiment_score":0.08647524192929268,"num_words":6,"start":1676.77,"end":1691.055},{"sentences":[{"text":"You're like, I'm happy.","start":1697.77,"end":1699.39,"sentiment":"neutral","sentiment_score":0.20212939009070396},{"text":"That's okay.","start":1702.01,"end":1702.7301,"sentiment":"positive","sentiment_score":0.47134025394916534},{"text":"It doesn't have to be a lot of money to feel a win.","start":1702.7301,"end":1705.0701,"sentiment":"neutral","sentiment_score":0.23575287598830003},{"text":"Now question speaks to two different investments.","start":1707.05,"end":1710.9851,"sentiment":"neutral","sentiment_score":0.031017923993723735},{"text":"I'm looking at two different investments.","start":1710.9851,"end":1712.425,"sentiment":"neutral","sentiment_score":0.04170480494697889}],"sentiment":"neutral","sentiment_score":0.16510436730459332,"num_words":32,"start":1697.77,"end":1712.425},{"sentences":[{"text":"One's the personalized assets.","start":1712.425,"end":1714.185,"sentiment":"neutral","sentiment_score":0.0959283858537674},{"text":"The other is, like, it's just superannuation because I'll I will look at everything.","start":1714.185,"end":1718.045,"sentiment":"neutral","sentiment_score":0.10071155322449547},{"text":"Obviously, your superannuation, you are ten years away from touching.","start":1719.7051,"end":1722.525,"sentiment":"negative","sentiment_score":-0.37659195363521575},{"text":"Well, more way more than ten years.","start":1723.44,"end":1725.7599,"sentiment":"neutral","sentiment_score":-0.10102515880550657},{"text":"You are way, way more.","start":1725.7599,"end":1727.7,"sentiment":"neutral","sentiment_score":-0.03723912239074707}],"sentiment":"neutral","sentiment_score":-0.07164039928466082,"num_words":40,"start":1712.425,"end":1727.7},{"sentences":[{"text":"Yeah.","start":1732.96,"end":1733.46,"sentiment":"neutral","sentiment_score":0.004235452506691217},{"text":"Sub 30.","start":1734.32,"end":1734.96,"sentiment":"neutral","sentiment_score":0.000054303091019392014},{"text":"Oh, I remember that.","start":1734.96,"end":1736.1,"sentiment":"neutral","sentiment_score":-0.009911037748679519},{"text":"With your investments, we said probably something towards the two to five.","start":1737.945,"end":1744.045,"sentiment":"neutral","sentiment_score":-0.01781716717717548},{"text":"Like, you're like, yeah, two to five years before we possibly could access that, like, the invested yeah.","start":1748.1849,"end":1755.2899,"sentiment":"neutral","sentiment_score":-0.01641859331478675}],"sentiment":"neutral","sentiment_score":-0.014720021029682579,"num_words":37,"start":1732.96,"end":1755.2899},{"sentences":[{"text":"Cool.","start":1755.2899,"end":1755.7899,"sentiment":"neutral","sentiment_score":0.1258988380432129},{"text":"Yeah.","start":1761.0499,"end":1761.37,"sentiment":"neutral","sentiment_score":0.05752943828701973},{"text":"Two at two at minimum.","start":1761.37,"end":1762.57,"sentiment":"neutral","sentiment_score":0.08198290765285492},{"text":"Yeah.","start":1762.57,"end":1763.07,"sentiment":"neutral","sentiment_score":0.0690675899386406},{"text":"That's okay.","start":1764.465,"end":1765.265,"sentiment":"neutral","sentiment_score":0.16223417222499847}],"sentiment":"neutral","sentiment_score":0.09868787489831447,"num_words":10,"start":1755.2899,"end":1765.265},{"sentences":[{"text":"Cool.","start":1765.265,"end":1765.765,"sentiment":"positive","sentiment_score":0.3960575461387634},{"text":"Perfect.","start":1767.345,"end":1767.845,"sentiment":"positive","sentiment_score":0.4668109714984894},{"text":"And investments can obviously go up and down with volatility.","start":1770.465,"end":1775.045,"sentiment":"neutral","sentiment_score":-0.07170231416821479},{"text":"How much of a drop in the investment before you get concerned?","start":1775.825,"end":1780.1,"sentiment":"neutral","sentiment_score":-0.1702570579946041},{"text":"Cool.","start":1782.7999,"end":1783.2799,"sentiment":"neutral","sentiment_score":0.10960234701633452}],"sentiment":"neutral","sentiment_score":-0.0715054789185524,"num_words":25,"start":1765.265,"end":1783.2799},{"sentences":[{"text":"Direct.","start":1783.2799,"end":1783.7799,"sentiment":"neutral","sentiment_score":0.11725367605686188},{"text":"I love.","start":1783.9199,"end":1784.58,"sentiment":"positive","sentiment_score":0.4012294113636017},{"text":"How would you feel if after six months the portfolio had decreased by 20% and it was all due to general normal market trends, cyclical market?","start":1786.7999,"end":1795.875,"sentiment":"neutral","sentiment_score":0.02004859266945949},{"text":"Yep.","start":1806.63,"end":1807.13,"sentiment":"neutral","sentiment_score":0.028058625757694244},{"text":"Absolutely fine.","start":1807.27,"end":1808.41,"sentiment":"neutral","sentiment_score":0.24184130132198334}],"sentiment":"neutral","sentiment_score":0.06102241051848978,"num_words":32,"start":1783.2799,"end":1808.41},{"sentences":[{"text":"Perfect.","start":1810.55,"end":1811.05,"sentiment":"positive","sentiment_score":0.3477640151977539},{"text":"Now what kind of return and this is, I guess, more of a psychological question.","start":1811.51,"end":1815.99,"sentiment":"neutral","sentiment_score":-0.028459833314021427},{"text":"What kind of return are you wanting out of the investment?","start":1815.99,"end":1818.5851,"sentiment":"neutral","sentiment_score":-0.04886711592024023},{"text":"As a percentage.","start":1819.765,"end":1820.5851,"sentiment":"neutral","sentiment_score":-0.01875450648367405},{"text":"Yep.","start":1831.86,"end":1832.36,"sentiment":"neutral","sentiment_score":0.006162559147924185}],"sentiment":"neutral","sentiment_score":-0.021508797417364774,"num_words":31,"start":1810.55,"end":1832.36},{"sentences":[{"text":"Fair.","start":1838.8999,"end":1839.3999,"sentiment":"neutral","sentiment_score":0.06280362606048584},{"text":"That that's nothing less than eight.","start":1839.62,"end":1841.86,"sentiment":"neutral","sentiment_score":0.12683247402310371},{"text":"I love it.","start":1841.86,"end":1842.7599,"sentiment":"positive","sentiment_score":0.34574857354164124},{"text":"Absolutely.","start":1857.3301,"end":1857.8301,"sentiment":"neutral","sentiment_score":0.25078797340393066},{"text":"And definitely keeping up with inflation and all the good things.","start":1858.05,"end":1861.9701,"sentiment":"neutral","sentiment_score":0.24139163981784473}],"sentiment":"neutral","sentiment_score":0.2166881910101934,"num_words":22,"start":1838.8999,"end":1861.9701},{"sentences":[{"text":"Yeah.","start":1861.9701,"end":1862.4701,"sentiment":"neutral","sentiment_score":0.07067754119634628},{"text":"Now how much risk are you willing to take to get the return you want?","start":1864.37,"end":1869.75,"sentiment":"neutral","sentiment_score":0.005339230503886938},{"text":"So are we wanting to go maximum returns regardless of the risk, understanding that risk and reward has, I guess, a a balancing act between the two of them?","start":1871.455,"end":1884.09,"sentiment":"neutral","sentiment_score":0.18142241727689218},{"text":"Yep.","start":1892.09,"end":1892.59,"sentiment":"neutral","sentiment_score":-0.012746654450893402},{"text":"Absolutely.","start":1908.28,"end":1908.78,"sentiment":"neutral","sentiment_score":0.30880770087242126}],"sentiment":"neutral","sentiment_score":0.12144844991927768,"num_words":47,"start":1861.9701,"end":1908.78},{"sentences":[{"text":"Cool.","start":1908.84,"end":1909.34,"sentiment":"positive","sentiment_score":0.4027101993560791},{"text":"Now neither of these assets you wanna like, you're not wanting to have, like, a capital income, so you're like, the investment account, you're not wanting to to pay, like, dividends to you in cash.","start":1911.4,"end":1923.125,"sentiment":"neutral","sentiment_score":-0.028632549801841378},{"text":"You wanna reinvest those.","start":1923.125,"end":1924.505,"sentiment":"neutral","sentiment_score":-0.02540327701717615},{"text":"Perfect.","start":1925.845,"end":1926.345,"sentiment":"positive","sentiment_score":0.6917035579681396},{"text":"Amazing.","start":1927.845,"end":1928.345,"sentiment":"positive","sentiment_score":0.6208618879318237}],"sentiment":"neutral","sentiment_score":0.014560078431497373,"num_words":42,"start":1908.84,"end":1928.345},{"sentences":[{"text":"Now with respect to taking on a loan, have you ever considered borrowing money to invest in stocks before?","start":1930.725,"end":1939.12,"sentiment":"neutral","sentiment_score":0.06934815233475283},{"text":"Have you ever done it?","start":1940.7001,"end":1941.92,"sentiment":"neutral","sentiment_score":0.028281167894601823},{"text":"Yep.","start":1949.5,"end":1950.0,"sentiment":"neutral","sentiment_score":0.02989564463496208},{"text":"So, yeah, alright.","start":1950.3,"end":1953.405,"sentiment":"neutral","sentiment_score":0.00742216594517231},{"text":"So it's referred to as, like, leveraging.","start":1953.405,"end":1955.665,"sentiment":"neutral","sentiment_score":0.038075383220400126}],"sentiment":"neutral","sentiment_score":0.0507917302527598,"num_words":35,"start":1930.725,"end":1955.665},{"sentences":[{"text":"So we can 100% look at leveraging to be able to invest.","start":1957.085,"end":1962.465,"sentiment":"neutral","sentiment_score":0.12403637232879798},{"text":"There's basically two different ways that you can do that, especially when it comes to stocks.","start":1963.485,"end":1968.52,"sentiment":"neutral","sentiment_score":0.031188314664177597},{"text":"Well, a, an investment property is obviously one of them, but but when it comes to stocks specifically, there are two options.","start":1970.18,"end":1978.44,"sentiment":"neutral","sentiment_score":0.01985949066213586},{"text":"One is that you physically go and borrow money, and, essentially, it is a very specific loan, and that loan has generally a twelve month period.","start":1978.66,"end":1991.215,"sentiment":"neutral","sentiment_score":0.015764589278170697},{"text":"At the twelve month period, you then pay the interest plus the original loan amount back after you liquidate the assets.","start":1991.515,"end":1998.8099,"sentiment":"neutral","sentiment_score":0.013475725870756875}],"sentiment":"neutral","sentiment_score":0.03213636970781174,"num_words":97,"start":1957.085,"end":1998.8099},{"sentences":[{"text":"So that is option one.","start":2000.23,"end":2001.69,"sentiment":"neutral","sentiment_score":0.0612785667181015},{"text":"It means that the entirety of the risk is personally on you because you have to, irrespective, pay that loan back.","start":2001.83,"end":2008.87,"sentiment":"neutral","sentiment_score":-0.048994818613642736},{"text":"Otherwise, you default on the loan, and it's bad for your credit rating and all the rest of the fun stuff.","start":2008.87,"end":2012.445,"sentiment":"negative","sentiment_score":-0.6501678199995131},{"text":"The other option is internally geared assets, which means that you put a $100 in, and what happens is that asset goes to the lender.","start":2013.005,"end":2024.705,"sentiment":"neutral","sentiment_score":0.0157184050232172},{"text":"They borrow money, and that could be leveraged anywhere from a 110% to a 160%.","start":2024.845,"end":2031.8,"sentiment":"neutral","sentiment_score":0.043396783123413725}],"sentiment":"neutral","sentiment_score":-0.15324265177993254,"num_words":87,"start":2000.23,"end":2031.8},{"sentences":[{"text":"I'm sure there are more that are a little bit higher leverage, but, generally, I don't push it too further than a 140 to a 160 depending.","start":2032.18,"end":2040.36,"sentiment":"neutral","sentiment_score":0.014798639687123123},{"text":"And what happens is they basically borrow the amount of money that's relevant to how how they leverage.","start":2041.6549,"end":2047.5149,"sentiment":"neutral","sentiment_score":0.09289592628677686},{"text":"They invest all of that money on your behalf, and from there, they have the obligation to pay the loan back.","start":2048.135,"end":2056.6501,"sentiment":"neutral","sentiment_score":0.07272562491042274},{"text":"Now what that means is, theoretically speaking, if you earn nothing from that, it goes backwards, you could end up pulling nothing back out, but you won't owe them anything.","start":2057.27,"end":2068.97,"sentiment":"neutral","sentiment_score":0.014060730487108231},{"text":"So there's no additional owing on that.","start":2069.325,"end":2071.9849,"sentiment":"neutral","sentiment_score":0.016819710178034648}],"sentiment":"neutral","sentiment_score":0.040179494696045384,"num_words":103,"start":2032.18,"end":2071.9849},{"sentences":[{"text":"So the risk is less on you because you have the caveat of a investment manager.","start":2073.165,"end":2081.665,"sentiment":"neutral","sentiment_score":-0.10227610357105732},{"text":"So, basically, they take on that little bit of risk versus you taking on that risk versus if you go direct to a lender, you are responsible for that loan.","start":2081.7249,"end":2090.28,"sentiment":"neutral","sentiment_score":-0.09512652183572451},{"text":"The difference is is obviously so it's just geared geared it's geared equities, geared assets.","start":2092.6602,"end":2099.62,"sentiment":"neutral","sentiment_score":0.0037418331330021223},{"text":"Yeah.","start":2099.62,"end":2100.12,"sentiment":"neutral","sentiment_score":0.018656017258763313},{"text":"So both both of them are referred to as gearing, but it's just either personally leveraged or a geared asset.","start":2100.245,"end":2106.0251,"sentiment":"neutral","sentiment_score":0.026465815864503382}],"sentiment":"neutral","sentiment_score":-0.04739162781298524,"num_words":82,"start":2073.165,"end":2106.0251},{"sentences":[{"text":"There are quite a few around that are available.","start":2108.165,"end":2111.365,"sentiment":"neutral","sentiment_score":0.04571813427739673},{"text":"There are ones that are more trusted than others depending on the investment manager, but they they are around.","start":2111.365,"end":2117.46,"sentiment":"neutral","sentiment_score":0.07450302670660772},{"text":"They are available on the ASX.","start":2117.46,"end":2119.1401,"sentiment":"neutral","sentiment_score":0.10908923422296841},{"text":"They're available available internationally, and they are there to basically allow you to kind of take advantage of a bull and and and deal with and get you more money.","start":2119.1401,"end":2135.5452,"sentiment":"neutral","sentiment_score":0.1443099098900954},{"text":"It has risk.","start":2135.685,"end":2136.405,"sentiment":"neutral","sentiment_score":-0.020732981463273365}],"sentiment":"neutral","sentiment_score":0.10072618617273088,"num_words":67,"start":2108.165,"end":2136.405},{"sentences":[{"text":"I'm not saying it doesn't.","start":2136.405,"end":2137.625,"sentiment":"neutral","sentiment_score":-0.07134684920310974},{"text":"On a down market, it hurts twice as bad.","start":2137.925,"end":2140.665,"sentiment":"negative","sentiment_score":-0.5638622707790799},{"text":"But on an up up market, it obviously is happiness.","start":2141.605,"end":2145.74,"sentiment":"neutral","sentiment_score":-0.05915822796523571},{"text":"So my question is, are we comfortable to borrow money to do such a thing?","start":2148.6,"end":2154.54,"sentiment":"neutral","sentiment_score":0.006827787558237711},{"text":"And under that caveat, are we wanting to borrow personally, or would we be more interested in geared like, internally geared assets?","start":2154.84,"end":2164.285,"sentiment":"neutral","sentiment_score":-0.008929654913531109}],"sentiment":"neutral","sentiment_score":-0.10028053372793022,"num_words":61,"start":2136.405,"end":2164.285},{"sentences":[{"text":"Yeah.","start":2171.545,"end":2172.045,"sentiment":"neutral","sentiment_score":0.002364378422498703},{"text":"Yeah.","start":2182.6,"end":2183.1,"sentiment":"neutral","sentiment_score":0.03627515211701393},{"text":"Yeah.","start":2183.2402,"end":2183.7402,"sentiment":"neutral","sentiment_score":0.06241460144519806},{"text":"Absolutely.","start":2184.375,"end":2184.875,"sentiment":"positive","sentiment_score":0.3629529476165771},{"text":"I'm okay with that.","start":2185.975,"end":2187.275,"sentiment":"positive","sentiment_score":0.4775772988796234}],"sentiment":"neutral","sentiment_score":0.2967895343899727,"num_words":8,"start":2171.545,"end":2187.275},{"sentences":[{"text":"Yep.","start":2192.215,"end":2192.715,"sentiment":"neutral","sentiment_score":0.20398595929145813},{"text":"Yep.","start":2204.0698,"end":2204.39,"sentiment":"neutral","sentiment_score":0.06241044029593468},{"text":"That's totally fair.","start":2204.39,"end":2205.45,"sentiment":"neutral","sentiment_score":0.09756454701224963},{"text":"It it is a large conversation to have and can be it can be difficult to, I guess, assess without knowing the figures behind it.","start":2205.99,"end":2214.2048,"sentiment":"neutral","sentiment_score":-0.03963621653616428},{"text":"Okay.","start":2217.145,"end":2217.645,"sentiment":"neutral","sentiment_score":0.015991223976016045}],"sentiment":"neutral","sentiment_score":-0.013413682219482238,"num_words":31,"start":2192.215,"end":2217.645},{"sentences":[{"text":"Nope.","start":2217.865,"end":2218.105,"sentiment":"neutral","sentiment_score":-0.03731127828359604},{"text":"That's okay.","start":2218.105,"end":2218.905,"sentiment":"neutral","sentiment_score":0.06362755596637726},{"text":"So look.","start":2218.905,"end":2220.2048,"sentiment":"neutral","sentiment_score":0.07170388475060463},{"text":"You you you you are an aggressive investor, and that's okay.","start":2220.265,"end":2224.0498,"sentiment":"neutral","sentiment_score":0.20578449896790765},{"text":"The fact that you've even opened the conversation to consider borrowing money to invest already tells me that you are very much happy to take on risk, but there are layers to risk.","start":2224.0498,"end":2239.155,"sentiment":"neutral","sentiment_score":0.2270563883763371}],"sentiment":"neutral","sentiment_score":0.20387432465747912,"num_words":49,"start":2217.865,"end":2239.155},{"sentences":[{"text":"And I don't know if I've ever explained this to you previously, but when it comes to investing, there is there is the it's it's called it's called the FAA.","start":2240.015,"end":2252.49,"sentiment":"neutral","sentiment_score":0.03505968505439038},{"text":"So it's the strategic asset allocation.","start":2252.79,"end":2255.13,"sentiment":"neutral","sentiment_score":0.08439410974582036},{"text":"So it's basically where the money sits, whether on the market or off the market.","start":2255.59,"end":2259.69,"sentiment":"neutral","sentiment_score":0.06190534780422847},{"text":"Let's just take our $100.","start":2259.91,"end":2261.69,"sentiment":"neutral","sentiment_score":0.06205307096242905},{"text":"Okay?","start":2261.75,"end":2262.25,"sentiment":"neutral","sentiment_score":0.07903067767620087}],"sentiment":"neutral","sentiment_score":0.05045669227470889,"num_words":57,"start":2240.015,"end":2262.25},{"sentences":[{"text":"We put a $100 in the market.","start":2262.535,"end":2264.215,"sentiment":"neutral","sentiment_score":0.16982727817126683},{"text":"That means that we are fully invested in the market.","start":2264.215,"end":2266.715,"sentiment":"neutral","sentiment_score":0.19130151034332812},{"text":"If we were to, say, put $60 in the market and $40 out, it would mean that we are a bit more of a a conservative investor because we're holding back some of our funds to keep a conservative conservative feeling.","start":2267.415,"end":2282.29,"sentiment":"neutral","sentiment_score":-0.14651641776648963},{"text":"Now, realistically, when we're looking at at investing a portion of money, generally, it's not gonna be a 100% of what we own.","start":2282.9102,"end":2292.495,"sentiment":"neutral","sentiment_score":-0.16830284569574439},{"text":"It's gonna be a portion that we're willing to give to that investment.","start":2292.495,"end":2296.1152,"sentiment":"neutral","sentiment_score":-0.1028877508181792}],"sentiment":"neutral","sentiment_score":-0.08631780095140826,"num_words":94,"start":2262.535,"end":2296.1152},{"sentences":[{"text":"So it's what within that investment holding are you willing to put on the market, and what are you willing not to.","start":2296.975,"end":2302.675,"sentiment":"neutral","sentiment_score":-0.1293258944695646},{"text":"The more you put on the market, the better it is.","start":2304.59,"end":2307.01,"sentiment":"neutral","sentiment_score":-0.03350297666408799},{"text":"When I say it's not on the market, it's still generally on the market, but it's instead of being in, like, your it's fixed in it's fixed interest or it's high yield bonds or it's something that still earns a little bit, but you're earning correct.","start":2307.79,"end":2324.905,"sentiment":"neutral","sentiment_score":-0.002487622849319292},{"text":"You're you're earning a, like, one or 2% over bank returns.","start":2324.905,"end":2328.285,"sentiment":"neutral","sentiment_score":0.19711878828027032},{"text":"It's not we're not reaching for the stars here.","start":2328.76,"end":2331.08,"sentiment":"neutral","sentiment_score":-0.1091516920261913}],"sentiment":"neutral","sentiment_score":-0.02163829929148308,"num_words":99,"start":2296.975,"end":2331.08},{"sentences":[{"text":"We're we're just we're real conservative.","start":2331.08,"end":2333.02,"sentiment":"neutral","sentiment_score":-0.0022952634220321975},{"text":"At your age, I wouldn't expect there to be a massive allocation to something like that, but we can also still take a little bit of a conservative position and have some of a cushion for if the market does take a bit of a turn because Trump's still doing this stuff and the Australian political are still doing their stuff.","start":2334.6,"end":2354.535,"sentiment":"neutral","sentiment_score":-0.016059638230038472},{"text":"So there's still some uncertainty everywhere.","start":2354.535,"end":2356.315,"sentiment":"neutral","sentiment_score":-0.144027728587389},{"text":"Mhmm.","start":2362.8801,"end":2363.3801,"sentiment":"neutral","sentiment_score":-0.071182981133461},{"text":"Yep.","start":2367.76,"end":2368.1602,"sentiment":"neutral","sentiment_score":0.0629163384437561}],"sentiment":"neutral","sentiment_score":-0.024877900357047716,"num_words":75,"start":2331.08,"end":2368.1602},{"sentences":[{"text":"Which means it's a 100%.","start":2368.1602,"end":2369.62,"sentiment":"neutral","sentiment_score":0.01748717576265335},{"text":"Mhmm.","start":2382.0452,"end":2382.5452,"sentiment":"neutral","sentiment_score":0.04905957728624344},{"text":"Yep.","start":2391.26,"end":2391.76,"sentiment":"neutral","sentiment_score":0.2017001360654831},{"text":"Okay.","start":2392.7,"end":2393.2,"sentiment":"neutral","sentiment_score":0.10489125549793243},{"text":"What do you consider?","start":2393.34,"end":2394.32,"sentiment":"neutral","sentiment_score":0.0939022395759821}],"sentiment":"neutral","sentiment_score":0.06822465049723785,"num_words":12,"start":2368.1602,"end":2394.32},{"sentences":[{"text":"No.","start":2408.135,"end":2408.375,"sentiment":"neutral","sentiment_score":-0.03657549247145653},{"text":"Yeah.","start":2408.375,"end":2408.875,"sentiment":"neutral","sentiment_score":-0.016472553834319115},{"text":"Yep.","start":2409.575,"end":2410.075,"sentiment":"neutral","sentiment_score":0.07384533435106277},{"text":"So the second line to investing, so that's that's SA.","start":2412.3,"end":2415.58,"sentiment":"neutral","sentiment_score":0.08028783425688743},{"text":"Like, that's a strategic asset allocation.","start":2415.58,"end":2417.36,"sentiment":"neutral","sentiment_score":0.09283785770336787}],"sentiment":"neutral","sentiment_score":0.07266856720180888,"num_words":19,"start":2408.135,"end":2417.36},{"sentences":[{"text":"From there, you then have in in your assets, you have what's referred to as the beta and the alpha.","start":2417.98,"end":2425.12,"sentiment":"neutral","sentiment_score":0.06690064631402493},{"text":"We're getting a little technical, but what I wish.","start":2426.4248,"end":2431.2449,"sentiment":"neutral","sentiment_score":0.030039208423760202},{"text":"No.","start":2431.385,"end":2431.625,"sentiment":"neutral","sentiment_score":-0.08157218992710114},{"text":"There's not.","start":2431.625,"end":2432.365,"sentiment":"neutral","sentiment_score":-0.10327281430363655},{"text":"No.","start":2434.025,"end":2434.265,"sentiment":"neutral","sentiment_score":-0.03782268613576889}],"sentiment":"neutral","sentiment_score":0.038861372649218094,"num_words":33,"start":2417.98,"end":2434.265},{"sentences":[{"text":"There's a standard deviation, though, which, you know, I figure, oh, come on.","start":2434.265,"end":2439.865,"sentiment":"neutral","sentiment_score":-0.02799121619990239},{"text":"You're you're into science, so surely you're into math.","start":2439.865,"end":2442.15,"sentiment":"neutral","sentiment_score":-0.012802851800289419},{"text":"So what what the the beta and the alpha basically mean, it's how the asset is assessed against the benchmark.","start":2445.75,"end":2456.3298,"sentiment":"neutral","sentiment_score":0.028215216007083654},{"text":"So something that has a low beta means that it costs less than the benchmark.","start":2457.095,"end":2464.7148,"sentiment":"neutral","sentiment_score":0.08264492154121399},{"text":"Something that has a high alpha means that it's outperforming the benchmark.","start":2465.4148,"end":2470.47,"sentiment":"neutral","sentiment_score":0.1713142249112328}],"sentiment":"neutral","sentiment_score":0.048994744425990444,"num_words":69,"start":2434.265,"end":2470.47},{"sentences":[{"text":"A standard deviation is basically a mix between the two of them against assets of the similar class.","start":2471.73,"end":2476.31,"sentiment":"neutral","sentiment_score":0.06764124292466375},{"text":"Now when it comes to stock options at Oakview, we go with funds that are trusted.","start":2477.01,"end":2483.83,"sentiment":"neutral","sentiment_score":0.15642012748867273},{"text":"We go with funds that are reliable.","start":2484.485,"end":2486.665,"sentiment":"neutral","sentiment_score":0.24503877120358603},{"text":"We don't look for a brand new asset that's just come on the market and has a lot of risk because it's unknown.","start":2487.285,"end":2493.465,"sentiment":"negative","sentiment_score":-0.37346693873405457},{"text":"We're not we're not going for investment managers that are brand new, and we have no idea what what they, you know, are offering because we don't wanna put the additional risk on our clients to going and and chasing down something new and random.","start":2494.085,"end":2508.1401,"sentiment":"neutral","sentiment_score":-0.26482805328236686}],"sentiment":"neutral","sentiment_score":-0.1382703319055225,"num_words":109,"start":2471.73,"end":2508.1401},{"sentences":[{"text":"We don't invest in crypto.","start":2509.56,"end":2511.615,"sentiment":"neutral","sentiment_score":-0.08809791654348373},{"text":"We in we can invest, and we do invest in companies that mine crypto, companies that create AI and algorithm for crypto mining because they generally, it's a side gig to something else that they do.","start":2512.155,"end":2525.135,"sentiment":"neutral","sentiment_score":0.033815907728340894},{"text":"But we're not going and chasing, you know, specific cryptocurrencies because, yeah, majority of them have melted and and burnt away anyway.","start":2526.0999,"end":2534.68,"sentiment":"neutral","sentiment_score":-0.22793531451712956},{"text":"It's not 2,013 anymore.","start":2535.94,"end":2537.72,"sentiment":"neutral","sentiment_score":-0.11132346466183662},{"text":"Right?","start":2540.385,"end":2540.885,"sentiment":"neutral","sentiment_score":0.004450848326086998}],"sentiment":"neutral","sentiment_score":-0.0688020122675773,"num_words":68,"start":2509.56,"end":2540.885},{"sentences":[{"text":"So while there's always risk in in investing, we're not adding an additional laser risk by going after something that has a risky alpha.","start":2545.8252,"end":2554.27,"sentiment":"neutral","sentiment_score":-0.20103798247873783},{"text":"We're not going after something that's costing an exuberant amount of money.","start":2554.27,"end":2557.95,"sentiment":"neutral","sentiment_score":-0.3123490860064824},{"text":"We're not doing anything like that.","start":2557.95,"end":2559.95,"sentiment":"neutral","sentiment_score":-0.260121909280618},{"text":"We also review our portfolios at minimum 12 monthly, and we have a investment committee that includes BlackRock on it.","start":2559.95,"end":2569.335,"sentiment":"neutral","sentiment_score":0.07176265409216284},{"text":"Do you know who BlackRock is?","start":2570.195,"end":2571.7349,"sentiment":"neutral","sentiment_score":0.0178700378164649}],"sentiment":"neutral","sentiment_score":-0.12634351115454645,"num_words":68,"start":2545.8252,"end":2571.7349},{"sentences":[{"text":"Fantastic.","start":2572.835,"end":2573.335,"sentiment":"positive","sentiment_score":0.39238959550857544},{"text":"One less explanation I have to do today.","start":2574.275,"end":2576.135,"sentiment":"neutral","sentiment_score":0.0034472919069230556},{"text":"So we have we have options when it comes to investing in those cases.","start":2579.13,"end":2585.47,"sentiment":"neutral","sentiment_score":0.06621811831636089},{"text":"Now what I would need to be able to start going from here so, basically, after this conversation, what I would need is a probably to connect with Keeley at least for ten minutes would be great, which I can call her straight after this if if she's amenable to it.","start":2585.77,"end":2601.635,"sentiment":"neutral","sentiment_score":0.10036829632579111},{"text":"Fair.","start":2603.9348,"end":2604.255,"sentiment":"neutral","sentiment_score":0.011454183608293532}],"sentiment":"neutral","sentiment_score":0.0863634517788887,"num_words":75,"start":2572.835,"end":2604.255},{"sentences":[{"text":"I wish I was at the gym.","start":2604.255,"end":2605.7148,"sentiment":"neutral","sentiment_score":-0.13627396098205022},{"text":"I I decided to I didn't.","start":2606.98,"end":2608.9001,"sentiment":"neutral","sentiment_score":-0.1762487863500913},{"text":"I woke up at 4AM, and one of my kids was crying with a headache.","start":2608.9001,"end":2613.32,"sentiment":"negative","sentiment_score":-0.3766471813122431},{"text":"I know.","start":2614.4202,"end":2615.08,"sentiment":"neutral","sentiment_score":-0.1541253812611103},{"text":"Outrageous.","start":2615.78,"end":2616.28,"sentiment":"neutral","sentiment_score":-0.32816705107688904}],"sentiment":"neutral","sentiment_score":-0.2676624509115373,"num_words":31,"start":2604.255,"end":2616.28},{"sentences":[{"text":"Have kids.","start":2616.4202,"end":2616.9001,"sentiment":"neutral","sentiment_score":-0.015746314078569412},{"text":"It'll be fun.","start":2616.9001,"end":2617.72,"sentiment":"neutral","sentiment_score":0.1771806279818217},{"text":"So so what I do from here is I will send you both an email requesting documents.","start":2619.7148,"end":2631.815,"sentiment":"neutral","sentiment_score":0.04021334867267048},{"text":"So what I would need is I need superannuation statements.","start":2631.96,"end":2634.28,"sentiment":"neutral","sentiment_score":0.04114197827875614},{"text":"I need, you know, I need to know what you're currently invested in.","start":2634.28,"end":2637.32,"sentiment":"neutral","sentiment_score":0.02317512321930665}],"sentiment":"neutral","sentiment_score":0.042141612619161606,"num_words":45,"start":2616.4202,"end":2637.32},{"sentences":[{"text":"I need payslips for both of you.","start":2637.32,"end":2639.02,"sentiment":"neutral","sentiment_score":0.03852159796016557},{"text":"And then if you can get me the preapproval for the loan, that would be great because that just gives me a budget summary.","start":2639.96,"end":2647.795,"sentiment":"neutral","sentiment_score":0.18168236470470825},{"text":"It would also give me what your loan approval rate is because they have your credit rating, everything like that.","start":2647.795,"end":2653.075,"sentiment":"neutral","sentiment_score":0.09655036497861147},{"text":"I can make a stab at it, but but the preapproval gives me a much better indication.","start":2653.075,"end":2658.615,"sentiment":"neutral","sentiment_score":0.060772514847271586},{"text":"From there, what I will do is I go and do research.","start":2661.36,"end":2666.1802,"sentiment":"neutral","sentiment_score":0.07318073511123657}],"sentiment":"neutral","sentiment_score":0.10590421014931053,"num_words":80,"start":2637.32,"end":2666.1802},{"sentences":[{"text":"From that research, I come to you with my findings and or recommendations depending on what I find.","start":2666.4802,"end":2673.86,"sentiment":"neutral","sentiment_score":0.10681213521295124},{"text":"Sometimes it can just be a follow-up conversation to say, hey.","start":2675.035,"end":2677.355,"sentiment":"neutral","sentiment_score":0.06972580369223248},{"text":"There's all these things.","start":2677.355,"end":2678.495,"sentiment":"neutral","sentiment_score":0.06457049213349819},{"text":"How are you feeling?","start":2679.915,"end":2680.895,"sentiment":"neutral","sentiment_score":0.045156193897128105},{"text":"And then we make a decision from there if we proceed with any form of formal formal advice, and we start implementing things.","start":2681.515,"end":2689.375,"sentiment":"neutral","sentiment_score":0.08100303230078323}],"sentiment":"neutral","sentiment_score":0.08319297935813666,"num_words":60,"start":2666.4802,"end":2689.375},{"sentences":[{"text":"The couple of things I haven't grabbed though is what is your actual date of birth and what's your address?","start":2690.51,"end":2696.6099,"sentiment":"neutral","sentiment_score":0.0047241219785064455},{"text":"Because I skipped Correct.","start":2696.8298,"end":2704.385,"sentiment":"neutral","sentiment_score":-0.0123118432238698},{"text":"Yep.","start":2708.605,"end":2709.105,"sentiment":"neutral","sentiment_score":0.015206031501293182},{"text":"Yep.","start":2721.98,"end":2722.48,"sentiment":"neutral","sentiment_score":0.017299750819802284},{"text":"New South Wales.","start":2723.0999,"end":2724.08,"sentiment":"neutral","sentiment_score":0.0095926724995176}],"sentiment":"neutral","sentiment_score":0.0036730643618723443,"num_words":29,"start":2690.51,"end":2724.08},{"sentences":[{"text":"Perfect.","start":2727.3398,"end":2727.8398,"sentiment":"positive","sentiment_score":0.5569161176681519},{"text":"I love that you spelled Sanctuary for me.","start":2729.7651,"end":2731.705,"sentiment":"positive","sentiment_score":0.6199690252542496},{"text":"Cool.","start":2732.8052,"end":2733.3052,"sentiment":"positive","sentiment_score":0.342110812664032},{"text":"Outside of that, and I will just double check, I I have your email address at jesse jessethomasrichards@gmail.com.","start":2734.8052,"end":2742.825,"sentiment":"neutral","sentiment_score":0.12214591809444958},{"text":"Would you like me to email Keeley as well to put the request to both of you?","start":2747.8398,"end":2754.5798,"sentiment":"neutral","sentiment_score":0.12295195591800354}],"sentiment":"neutral","sentiment_score":0.22550197574827407,"num_words":45,"start":2727.3398,"end":2754.5798},{"sentences":[{"text":"And I can organize a time to call and speak to her just to go through the risk profile, introduce myself, and make sure that everything aligns.","start":2754.96,"end":2762.7249,"sentiment":"neutral","sentiment_score":0.23074980907970005},{"text":"No.","start":2762.7249,"end":2763.045,"sentiment":"neutral","sentiment_score":-0.04564269259572029},{"text":"Just touch base with her as well.","start":2763.045,"end":2765.385,"sentiment":"neutral","sentiment_score":0.008994343557528086},{"text":"Cool.","start":2767.525,"end":2768.025,"sentiment":"neutral","sentiment_score":0.13629436492919922},{"text":"Perfect.","start":2773.06,"end":2773.56,"sentiment":"positive","sentiment_score":0.4594458341598511}],"sentiment":"neutral","sentiment_score":0.1849541285553494,"num_words":37,"start":2754.96,"end":2773.56},{"sentences":[{"text":"Because I don't have her phone number either.","start":2774.02,"end":2777.24,"sentiment":"neutral","sentiment_score":0.0358657194301486},{"text":"K, double e, l e y.","start":2786.435,"end":2787.955,"sentiment":"neutral","sentiment_score":0.04318927849332491},{"text":"Yep.","start":2787.955,"end":2788.455,"sentiment":"neutral","sentiment_score":0.0668334886431694},{"text":"Yep.","start":2792.195,"end":2792.695,"sentiment":"neutral","sentiment_score":0.028386732563376427},{"text":"Yep.","start":2800.04,"end":2800.12,"sentiment":"neutral","sentiment_score":0.12822191417217255}],"sentiment":"neutral","sentiment_score":0.0452649153988151,"num_words":17,"start":2774.02,"end":2800.12},{"sentences":[{"text":"Perfect.","start":2800.12,"end":2800.62,"sentiment":"positive","sentiment_score":0.4191235303878784},{"text":"Oh, my love.","start":2808.875,"end":2809.595,"sentiment":"neutral","sentiment_score":0.1424122303724289},{"text":"You really were born in the age where they don't remember anything.","start":2809.595,"end":2812.335,"sentiment":"neutral","sentiment_score":0.03779308660887182},{"text":"Yep.","start":2818.475,"end":2818.975,"sentiment":"neutral","sentiment_score":0.006910222582519054},{"text":"Yep.","start":2821.2,"end":2821.7,"sentiment":"neutral","sentiment_score":0.004445675760507584}],"sentiment":"neutral","sentiment_score":0.07284628661970298,"num_words":18,"start":2800.12,"end":2821.7},{"sentences":[{"text":"648.","start":2824.24,"end":2825.12,"sentiment":"neutral","sentiment_score":0.0220223106443882},{"text":"Perfect.","start":2825.12,"end":2825.62,"sentiment":"neutral","sentiment_score":0.2467764914035797},{"text":"What what I'll do is I'll send an email to both of you.","start":2827.12,"end":2829.7,"sentiment":"neutral","sentiment_score":0.16841106002147382},{"text":"I'll send a text message to Kaylee and just she can respond and let me know when she would like to touch base together.","start":2830.72,"end":2836.695,"sentiment":"neutral","sentiment_score":0.21153174775342146},{"text":"And we can just kinda go over and make sure that everything's kosher, and I'll double check her income and everything.","start":2837.315,"end":2842.435,"sentiment":"neutral","sentiment_score":0.18470289274340584}],"sentiment":"neutral","sentiment_score":0.19022775460034608,"num_words":60,"start":2824.24,"end":2842.435},{"sentences":[{"text":"But I'll I'll pop in the email everything that I'll need.","start":2842.435,"end":2845.095,"sentiment":"neutral","sentiment_score":0.19034073027697476},{"text":"The one thing I haven't really talked to you about is insurance.","start":2846.035,"end":2851.21,"sentiment":"neutral","sentiment_score":-0.06169373697290818},{"text":"So whilst investments are all happy days and everything, I don't need to probably tell you how insurance works because we've been there and done that.","start":2853.11,"end":2863.45,"sentiment":"neutral","sentiment_score":-0.01061139667693239},{"text":"Yep.","start":2865.165,"end":2865.665,"sentiment":"neutral","sentiment_score":0.08144611865282059},{"text":"Do we find value in insurance?","start":2866.6052,"end":2869.425,"sentiment":"neutral","sentiment_score":0.06314590324958165}],"sentiment":"neutral","sentiment_score":0.027461578820033798,"num_words":56,"start":2842.435,"end":2869.425},{"sentences":[{"text":"Yep.","start":2888.33,"end":2888.745,"sentiment":"neutral","sentiment_score":-0.01786654070019722},{"text":"Yep.","start":2890.985,"end":2891.485,"sentiment":"neutral","sentiment_score":0.066533163189888},{"text":"Yeah.","start":2892.425,"end":2892.925,"sentiment":"neutral","sentiment_score":0.024812741205096245},{"text":"Fair.","start":2904.04,"end":2904.54,"sentiment":"neutral","sentiment_score":-0.1964026689529419},{"text":"Yep.","start":2912.775,"end":2913.275,"sentiment":"neutral","sentiment_score":0.007248375564813614}],"sentiment":"neutral","sentiment_score":-0.02313498593866825,"num_words":5,"start":2888.33,"end":2913.275},{"sentences":[{"text":"Personal insurance really is what it's about.","start":2923.015,"end":2925.6748,"sentiment":"neutral","sentiment_score":0.02161197311111859},{"text":"So it's, yeah, life TPD, income protection, stuff like that that, you know, in the event that you weren't weren't able to work or anything happened, you have income still to support you.","start":2927.51,"end":2943.515,"sentiment":"neutral","sentiment_score":0.09303618583715323},{"text":"Income protection obviously continues your income going in the event that you're unable to work short, long term, whatever the case may be.","start":2944.055,"end":2951.195,"sentiment":"neutral","sentiment_score":0.033128269219204136},{"text":"TBD is a big one.","start":2951.4949,"end":2953.29,"sentiment":"neutral","sentiment_score":-0.031834327429533},{"text":"Nope.","start":2955.93,"end":2956.43,"sentiment":"neutral","sentiment_score":-0.2366553246974945}],"sentiment":"neutral","sentiment_score":0.05199421992174525,"num_words":69,"start":2923.015,"end":2956.43},{"sentences":[{"text":"No.","start":2960.6501,"end":2960.8901,"sentiment":"neutral","sentiment_score":-0.12709878385066986},{"text":"That's fine.","start":2960.8901,"end":2961.79,"sentiment":"neutral","sentiment_score":-0.05600305087864399},{"text":"No.","start":2963.29,"end":2963.53,"sentiment":"neutral","sentiment_score":-0.0881454348564148},{"text":"That's cool.","start":2963.53,"end":2964.09,"sentiment":"neutral","sentiment_score":0.23641406744718552},{"text":"It's just generally, it's built into your super, so it's something I'd need to consider anyway.","start":2964.09,"end":2970.085,"sentiment":"neutral","sentiment_score":0.14397252025082707}],"sentiment":"neutral","sentiment_score":0.11132446083832871,"num_words":22,"start":2960.6501,"end":2970.085},{"sentences":[{"text":"But I'll I'll have a look at it and see what you guys have in terms of cover amounts and go from there.","start":2971.265,"end":2977.9849,"sentiment":"neutral","sentiment_score":0.024779010159165962},{"text":"Can I ask, in terms of relationship to factor partners, whatever we wanna call it, have we talked about marriage and children?","start":2977.9849,"end":2984.7249,"sentiment":"neutral","sentiment_score":0.022233281792564827},{"text":"And children are on the cards maybe or no?","start":2987.88,"end":2990.62,"sentiment":"neutral","sentiment_score":-0.024719960780607328},{"text":"Okay.","start":2992.04,"end":2992.54,"sentiment":"neutral","sentiment_score":-0.07796792685985565},{"text":"Yeah.","start":3015.99,"end":3016.49,"sentiment":"neutral","sentiment_score":0.1853363811969757}],"sentiment":"neutral","sentiment_score":0.01685604000730174,"num_words":56,"start":2971.265,"end":3016.49},{"sentences":[{"text":"No.","start":3017.43,"end":3017.67,"sentiment":"neutral","sentiment_score":0.2952463626861572},{"text":"That's absolutely perfect.","start":3017.67,"end":3018.87,"sentiment":"positive","sentiment_score":0.6592428882916769},{"text":"No.","start":3018.87,"end":3019.11,"sentiment":"positive","sentiment_score":0.3527016043663025},{"text":"That's that it's it's good to know because I can, basically, I can look at future planning.","start":3019.11,"end":3022.9648,"sentiment":"positive","sentiment_score":0.45492881185868206},{"text":"I can keep it in your supers and stuff like that, so it's not a drain on you personally.","start":3022.9648,"end":3026.345,"sentiment":"positive","sentiment_score":0.41291056024400813}],"sentiment":"positive","sentiment_score":0.4440187092234449,"num_words":41,"start":3017.43,"end":3026.345},{"sentences":[{"text":"It's just making sure that I do consider the effects of anything that I change or recommend and how that would look overall.","start":3026.645,"end":3035.305,"sentiment":"neutral","sentiment_score":0.27396436489146686},{"text":"So that's perfect.","start":3035.9248,"end":3037.96,"sentiment":"neutral","sentiment_score":0.26630952457586926},{"text":"Last couple of questions that I have.","start":3038.9,"end":3040.52,"sentiment":"neutral","sentiment_score":0.05805953698498862},{"text":"Health and lifestyle wise, are we smokers?","start":3042.3398,"end":3044.98,"sentiment":"neutral","sentiment_score":0.012535778805613518},{"text":"Do we have any significant injury health issues, anything like that?","start":3044.98,"end":3049.24,"sentiment":"neutral","sentiment_score":-0.018484918231313877}],"sentiment":"neutral","sentiment_score":0.14492043286708056,"num_words":51,"start":3026.645,"end":3049.24},{"sentences":[{"text":"Nope.","start":3051.395,"end":3051.795,"sentiment":"neutral","sentiment_score":-0.06293323636054993},{"text":"No medications or anything that we take outside of, you know, daily and multivitamins.","start":3051.795,"end":3056.775,"sentiment":"neutral","sentiment_score":-0.07938166415052754},{"text":"Cool.","start":3058.275,"end":3058.775,"sentiment":"neutral","sentiment_score":-0.02331339195370674},{"text":"Nothing.","start":3059.875,"end":3060.375,"sentiment":"neutral","sentiment_score":-0.03705408796668053},{"text":"Perfect.","start":3060.5151,"end":3061.0151,"sentiment":"neutral","sentiment_score":0.0927356332540512}],"sentiment":"neutral","sentiment_score":-0.06343935450745954,"num_words":18,"start":3051.395,"end":3061.0151},{"sentences":[{"text":"We don't have private health, you said.","start":3061.795,"end":3063.575,"sentiment":"neutral","sentiment_score":-0.037547780999115536},{"text":"Estate planning wise, do you have a will or power of attorney?","start":3066.58,"end":3071.38,"sentiment":"neutral","sentiment_score":-0.019423678517341614},{"text":"I know you have power of attorney for dad, but do you personally have a power of attorney?","start":3071.38,"end":3076.04,"sentiment":"neutral","sentiment_score":-0.019534701998862956},{"text":"Cool.","start":3077.6348,"end":3077.9548,"sentiment":"neutral","sentiment_score":0.01988714560866356},{"text":"No.","start":3077.9548,"end":3078.115,"sentiment":"neutral","sentiment_score":-0.0413646399974823}],"sentiment":"neutral","sentiment_score":-0.022282583065904103,"num_words":39,"start":3061.795,"end":3078.115},{"sentences":[{"text":"That's fine.","start":3078.115,"end":3078.855,"sentiment":"neutral","sentiment_score":0.02966994047164917},{"text":"You're super currently.","start":3079.9548,"end":3081.075,"sentiment":"neutral","sentiment_score":0.09189209838708241},{"text":"Do you know how it's nominated?","start":3081.075,"end":3082.295,"sentiment":"neutral","sentiment_score":0.025993138551712036},{"text":"Just out of curiosity's sake.","start":3083.075,"end":3084.775,"sentiment":"neutral","sentiment_score":-0.06631840690970421},{"text":"Just out of curiosity's sake.","start":3086.275,"end":3087.9749,"sentiment":"neutral","sentiment_score":-0.027090519294142724}],"sentiment":"neutral","sentiment_score":0.0011395417331230072,"num_words":21,"start":3078.115,"end":3087.9749},{"sentences":[{"text":"And how the beneficiary nomination is in place?","start":3092.85,"end":3095.99,"sentiment":"neutral","sentiment_score":0.02261187951080501},{"text":"So in the event that you passed away, who's receiving funds?","start":3096.05,"end":3098.6301,"sentiment":"neutral","sentiment_score":-0.02218753556636247},{"text":"Yeah.","start":3106.545,"end":3107.045,"sentiment":"neutral","sentiment_score":-0.03138098120689392},{"text":"No.","start":3113.76,"end":3114.26,"sentiment":"neutral","sentiment_score":-0.07602515071630478},{"text":"That's okay.","start":3114.4001,"end":3115.1401,"sentiment":"neutral","sentiment_score":-0.04912695288658142}],"sentiment":"neutral","sentiment_score":-0.011688169253909069,"num_words":23,"start":3092.85,"end":3115.1401},{"sentences":[{"text":"Just out of curiosity, whether you knew.","start":3115.44,"end":3118.26,"sentiment":"neutral","sentiment_score":-0.04695605646286692},{"text":"No.","start":3118.4001,"end":3118.56,"sentiment":"neutral","sentiment_score":-0.01866832934319973},{"text":"That's absolutely fine.","start":3118.56,"end":3119.6,"sentiment":"neutral","sentiment_score":0.08432850986719131},{"text":"Perfect.","start":3119.6,"end":3120.1,"sentiment":"neutral","sentiment_score":0.24739089608192444},{"text":"And random side question.","start":3120.72,"end":3122.82,"sentiment":"neutral","sentiment_score":0.05484248884022236}],"sentiment":"neutral","sentiment_score":0.023274103528819978,"num_words":16,"start":3115.44,"end":3122.82},{"sentences":[{"text":"Any chance you are a tax resident of any other country at all?","start":3124.1602,"end":3128.565,"sentiment":"neutral","sentiment_score":0.009405274588901263},{"text":"Giant citizen?","start":3130.565,"end":3131.385,"sentiment":"neutral","sentiment_score":-0.034242093563079834},{"text":"Fantastic.","start":3133.925,"end":3134.425,"sentiment":"positive","sentiment_score":0.3345165550708771},{"text":"Just obscure questions, but trust me, it pops up more than more often than you would think.","start":3134.885,"end":3142.28,"sentiment":"neutral","sentiment_score":0.12593839207992835},{"text":"Cool.","start":3144.1802,"end":3144.6802,"sentiment":"neutral","sentiment_score":-0.0062675150111317635}],"sentiment":"neutral","sentiment_score":0.07420547317494364,"num_words":34,"start":3124.1602,"end":3144.6802},{"sentences":[{"text":"So what I'll do is I will put together an email to send to you both this evening, and it'll just be a request for you to send through documents.","start":3144.74,"end":3153.08,"sentiment":"neutral","sentiment_score":0.21961523989836376},{"text":"There is no rush if you've had a terrible week or day and you just wanna sit and cruise, that's absolutely fine.","start":3153.1401,"end":3160.575,"sentiment":"neutral","sentiment_score":0.11390520970929753},{"text":"When you can get the documents to me, I can start researching from there.","start":3160.795,"end":3164.895,"sentiment":"positive","sentiment_score":0.41478375026157926},{"text":"And then, yeah, we can go from there.","start":3166.155,"end":3167.675,"sentiment":"positive","sentiment_score":0.40996187552809715},{"text":"More than happy to communicate over email if you have any questions, queries, concerns, or anything to add.","start":3167.675,"end":3172.79,"sentiment":"positive","sentiment_score":0.6199504931767782}],"sentiment":"neutral","sentiment_score":0.31891465430026467,"num_words":92,"start":3144.74,"end":3172.79},{"sentences":[{"text":"And then, generally speaking, two to three weeks to get everything together to come back and chat.","start":3173.97,"end":3179.83,"sentiment":"neutral","sentiment_score":0.23111261427402496},{"text":"When we chat, we can do a video conference call if you want.","start":3180.61,"end":3184.485,"sentiment":"neutral","sentiment_score":0.2487118014922509},{"text":"So that way we can, you know, face to face or we can just do a joint call with the three of us.","start":3184.485,"end":3188.725,"sentiment":"neutral","sentiment_score":0.2878998006167619},{"text":"That's fine too.","start":3188.725,"end":3189.625,"sentiment":"positive","sentiment_score":0.3375304341316223},{"text":"And then go from there.","start":3190.645,"end":3191.925,"sentiment":"neutral","sentiment_score":0.18528606593608857}],"sentiment":"neutral","sentiment_score":0.257752211611779,"num_words":61,"start":3173.97,"end":3191.925},{"sentences":[{"text":"I can be pretty flexible with my hours.","start":3191.925,"end":3194.185,"sentiment":"neutral","sentiment_score":0.2658332269638777},{"text":"I can start anywhere from 6AM and finish anywhere till 7PM.","start":3194.645,"end":3199.54,"sentiment":"neutral","sentiment_score":0.15940264883366498},{"text":"Look, generally, I'm here later, but I don't like to advertise it that much.","start":3199.76,"end":3203.38,"sentiment":"neutral","sentiment_score":-0.08676402437101517},{"text":"Last night, I left at ten.","start":3205.28,"end":3207.06,"sentiment":"neutral","sentiment_score":-0.00716155053426822},{"text":"It's end of financial year.","start":3209.28,"end":3210.72,"sentiment":"neutral","sentiment_score":-0.07265051901340484}],"sentiment":"neutral","sentiment_score":0.05134492530487478,"num_words":44,"start":3191.925,"end":3210.72},{"sentences":[{"text":"So Yeah.","start":3210.72,"end":3237.12,"sentiment":"neutral","sentiment_score":-0.008493229746818542},{"text":"Yeah.","start":3237.12,"end":3237.62,"sentiment":"neutral","sentiment_score":-0.05967138335108757},{"text":"No.","start":3237.84,"end":3238.1602,"sentiment":"neutral","sentiment_score":-0.1721969097852707},{"text":"And we understand that that's you know, I don't take personal phone calls while I'm at work, so I get it completely.","start":3238.1602,"end":3244.135,"sentiment":"neutral","sentiment_score":-0.17122418535026637},{"text":"So so yeah.","start":3245.235,"end":3246.115,"sentiment":"neutral","sentiment_score":0.061791433642307915}],"sentiment":"neutral","sentiment_score":-0.13208319066927351,"num_words":29,"start":3210.72,"end":3246.115},{"sentences":[{"text":"What what I can do is I can yeah.","start":3246.115,"end":3247.715,"sentiment":"neutral","sentiment_score":0.038200955010122724},{"text":"We can meet at, you know, five, 05:30, and we can go through everything at five, 05:30, and we just you guys can sit down at the dinner table and have a drink and have dinner, and I'll I'll sit and talk to you.","start":3247.715,"end":3258.4102,"sentiment":"neutral","sentiment_score":0.06951038717207583},{"text":"Absolutely.","start":3267.11,"end":3267.61,"sentiment":"positive","sentiment_score":0.44423556327819824},{"text":"Cool.","start":3270.105,"end":3270.605,"sentiment":"positive","sentiment_score":0.5101009607315063},{"text":"Perfect.","start":3271.065,"end":3271.565,"sentiment":"positive","sentiment_score":0.505659282207489}],"sentiment":"neutral","sentiment_score":0.08682609708713633,"num_words":56,"start":3246.115,"end":3271.565},{"sentences":[{"text":"Well, what I'll do is I'll start putting everything together.","start":3271.625,"end":3273.805,"sentiment":"neutral","sentiment_score":0.1366102248430252},{"text":"If you see dad in the next few days, say hi for me, and otherwise, you'll have an email.","start":3274.5051,"end":3280.045,"sentiment":"neutral","sentiment_score":0.019847076092111438},{"text":"No.","start":3282.78,"end":3283.02,"sentiment":"neutral","sentiment_score":-0.05806504935026169},{"text":"We spoke we spoke a couple of times, but he probably doesn't remember me because it's been two years.","start":3283.02,"end":3288.4001,"sentiment":"neutral","sentiment_score":-0.039274774393753},{"text":"So he's not going to.","start":3289.02,"end":3290.8,"sentiment":"neutral","sentiment_score":-0.07912502810359001}],"sentiment":"neutral","sentiment_score":0.010060847978349085,"num_words":54,"start":3271.625,"end":3290.8},{"sentences":[{"text":"Yeah.","start":3294.935,"end":3295.435,"sentiment":"neutral","sentiment_score":0.04816865921020508},{"text":"Like, the team turned around.","start":3295.735,"end":3298.375,"sentiment":"neutral","sentiment_score":0.0282280832529068},{"text":"They're like, do you know a Mark Rich is?","start":3298.375,"end":3300.0552,"sentiment":"neutral","sentiment_score":0.01567192789581087},{"text":"I was like, yeah.","start":3300.0552,"end":3300.935,"sentiment":"neutral","sentiment_score":0.006647542584687471},{"text":"That was from before times.","start":3300.935,"end":3302.795,"sentiment":"neutral","sentiment_score":-0.0003458607941865921}],"sentiment":"neutral","sentiment_score":0.014800720537702242,"num_words":24,"start":3294.935,"end":3302.795},{"sentences":[{"text":"That was from the before here.","start":3303.015,"end":3304.555,"sentiment":"neutral","sentiment_score":0.010563377911845842},{"text":"And they're like and they're like, how did you remember that?","start":3304.775,"end":3307.1199,"sentiment":"neutral","sentiment_score":0.018439101563258606},{"text":"I'm like, because sometimes names stick with you.","start":3307.1199,"end":3308.8,"sentiment":"neutral","sentiment_score":0.011018377495929599},{"text":"I'm like, I did an insurance claim.","start":3308.8,"end":3310.1602,"sentiment":"neutral","sentiment_score":0.013859437512499946},{"text":"I'm like, I can't remember why, but it'll be insurance claims.","start":3310.1602,"end":3312.88,"sentiment":"neutral","sentiment_score":0.01673858331262388}],"sentiment":"neutral","sentiment_score":0.014779020550249274,"num_words":43,"start":3303.015,"end":3312.88},{"sentences":[{"text":"I'm like, you have a son named Jesse.","start":3312.88,"end":3314.34,"sentiment":"neutral","sentiment_score":0.06456423085182905},{"text":"And they're like, yeah.","start":3314.72,"end":3315.94,"sentiment":"neutral","sentiment_score":0.0633182255551219},{"text":"They're like, we got an email from Jesse.","start":3316.16,"end":3317.68,"sentiment":"neutral","sentiment_score":0.08172828052192926},{"text":"I was like, oh, no way.","start":3317.68,"end":3318.8,"sentiment":"neutral","sentiment_score":0.05622793734073639},{"text":"And I was so excited.","start":3318.8,"end":3320.42,"sentiment":"neutral","sentiment_score":0.09237119257450103}],"sentiment":"neutral","sentiment_score":0.0717044058105638,"num_words":31,"start":3312.88,"end":3320.42},{"sentences":[{"text":"Yes.","start":3335.43,"end":3335.93,"sentiment":"neutral","sentiment_score":0.2180513292551041},{"text":"Yeah.","start":3336.6301,"end":3337.1301,"sentiment":"positive","sentiment_score":0.37619495391845703},{"text":"Yep.","start":3356.9648,"end":3357.4648,"sentiment":"neutral","sentiment_score":0.1353730410337448},{"text":"I'll pat myself on the back for that one.","start":3357.86,"end":3359.72,"sentiment":"neutral","sentiment_score":0.04646617277628846},{"text":"I'll pat myself on the back for that one.","start":3361.46,"end":3363.4001,"sentiment":"neutral","sentiment_score":0.024226449016067717}],"sentiment":"neutral","sentiment_score":0.06504061525421483,"num_words":21,"start":3335.43,"end":3363.4001},{"sentences":[{"text":"Yeah.","start":3368.42,"end":3368.92,"sentiment":"neutral","sentiment_score":0.14471057057380676},{"text":"Yeah.","start":3384.2,"end":3384.68,"sentiment":"neutral","sentiment_score":0.010283746756613256},{"text":"No.","start":3384.68,"end":3385.0,"sentiment":"neutral","sentiment_score":-0.023489467799663544},{"text":"Absolutely.","start":3385.0,"end":3385.5,"sentiment":"neutral","sentiment_score":0.02690027467906475},{"text":"No.","start":3386.1199,"end":3386.6199,"sentiment":"neutral","sentiment_score":0.018029721453785896}],"sentiment":"neutral","sentiment_score":0.035286969132721425,"num_words":5,"start":3368.42,"end":3386.6199},{"sentences":[{"text":"Perfect.","start":3386.7598,"end":3387.2598,"sentiment":"neutral","sentiment_score":0.3245188593864441},{"text":"Alright.","start":3387.5598,"end":3387.88,"sentiment":"neutral","sentiment_score":0.2926065921783447},{"text":"Well, I'll get cracking on this.","start":3387.88,"end":3389.5598,"sentiment":"positive","sentiment_score":0.35830078025658924},{"text":"You'll have an email from me in a little bit, and we can go from there.","start":3389.5598,"end":3393.3398,"sentiment":"neutral","sentiment_score":0.19773693662136793},{"text":"No.","start":3396.2808,"end":3396.5208,"sentiment":"positive","sentiment_score":0.3415508270263672}],"sentiment":"neutral","sentiment_score":0.25089087784290315,"num_words":25,"start":3386.7598,"end":3396.5208},{"sentences":[{"text":"It's absolutely my pleasure, Jesse.","start":3396.5208,"end":3397.8008,"sentiment":"positive","sentiment_score":0.5781001925468445},{"text":"Thank you so much.","start":3397.8008,"end":3398.7808,"sentiment":"positive","sentiment_score":0.6519301533699036},{"text":"Bye.","start":3400.4407,"end":3400.9407,"sentiment":"neutral","sentiment_score":0.09020590037107468}],"sentiment":"positive","sentiment_score":0.5588427476584912,"num_words":10,"start":3396.5208,"end":3400.9407}]}}]},{"alternatives":[{"transcript":"Hello. Jessica speaking. Good. How are you? Oh, I'm good. Hang on one second. Yeah. No. Yeah. I I looked you up, and I was like, yeah. Sweet. Because, yeah, because, obviously, like, it was very easy to deal with you previously. And, yeah, I was sort of just seeing if I could get some finance advice, basically. Yeah. Yeah. What? Who I am? Yeah. Oh, yeah. Late late twenties. Come on. Yeah. Yeah. Yeah. That's good. Dad's in care now. So he's he's in a supported independent living home, which is just up the road really from where he was. But, yeah, he's he's good. He's obviously, like, deteriorated, but, yeah, obviously, with Alzheimer's and that. But yeah. But he's good. I mean, everything's pretty in order for him, to be honest, which is great. Well, yeah, sort of. I haven't really been contacted at all by those guys. So that's why I came to you because I was like, yeah. I feel like yeah. Yeah. I don't know. They've sort of let it slip. So yeah. No. No. That's good. Yeah. Yeah. Yeah. No. No. That's all yeah. It's not all good. But yeah. No. All of that side of things is good. So it's yeah. Sort of just, like, seeing if the like, bit of potential is just to see if I could get financial advice, I guess, now. But it's sort of yeah. So I'm in a I'm in a bit of a, like, an interesting sort of position where we've got sort of options, but so, like, we've it's sort of we're in a financial position where we've got this sort of lump of cash, but and we've just been given preapproval, but we're thinking about not buying a house and investing elsewhere could be because, obviously, like so I'm living at Dads at the moment, so there's that. And just sort of like so we've got a deposit, and we're we're just me and my partner, it's sort of thinking about ways that we can sort of invest that elsewhere. Yeah. So either, like, you know, like ETFs or I don't know what. Like, we're we're open to options, but we just don't think that real estate's a good bet at the moment. We've actually just gotten been given preapproval. So we've got preapproval in our back pocket. Yeah. But, yeah, I don't know. I just yeah. Who knows? Exactly. Yeah. And just sorta sorta to hold on and preserve that money potentially while we're in, like, a good position so then we can eventually buy later or grow it a little bit and then, you know, go from there. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's that's not a problem. Yeah. That that would be good. Yeah. Maybe you wanna begin. Yeah. Keely. Yeah. Keely Flynn. We're defacto, I suppose. I guess that's what it is. Yeah. Yeah. It's just funny. I don't know. Defacto sounds funny. It's like an I don't know. Anyway, yeah, Defacto. Yeah. We're partnered. That's it. That's it. But yeah. No. Yeah. Obviously, we were gonna buy a house, so we went through all that process together and all that stuff. So, yeah, we're just trying to build and prepare. But, yeah, we're we're actually both teachers. So we're both yeah. I'm full time, and she's casual, but we're sort of both sort of early career teachers. No. I'm I'm secondary. She's primary. Yep. Science. Yeah. Yeah. Yeah. So I'm on 91 k a year at the moment, but that's just, like, first year income. And then she like, obviously, she's casual, but she's probably working I would say she's probably on, like, $80.80 to 85 k a year, all depending on how much she works on the second half of the year. But she's been pretty much working every day. Like, there's so much demand for it, and she's just about to go on contracts too. So yeah. No. I'm in New South Wales, so I'm I'm actually employed by the Catholic Education Diocese of Wollongong, it's called. Yeah. So it's just like a the cat sort of Catholic system. Yep. And she's she's New South Wales Department of Education. Yep. Yeah. No. I don't think so. I'm not a 100% sure, to be honest. I'll have to I'll have to check. Yeah. Yeah. I can do that. Yeah. Yeah. I'm actually just pulling them up now. Yeah. So our expenses are super low. So I'm so because I've got it set up, so I'm basically paying utilities at dad's because I'm actually repairing his house, trying to make his asset better. So I'm we're we're we're basically paying just utilities, so that's pretty much where is it? What am I paying? $1.20 a week, which covers, like, Wi Fi, electricity, water, gas, all of that. And then I'm obviously doing maintenance on the house, which doesn't really factor into any of it. But and then there's, like, phone bills and stuff that expensive. I should just send you the whole preapproval documents. Yeah. I'll see if I can do that. Yeah. Sorry. I just got out of a work meeting, and I'm like, my brain's fried from today. But yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Definitely. Definitely. No. No. Nothing. Yeah. Like, also nothing. Yeah. We've got we both have we both have cars. I don't know, really. Like, just the usual. I don't know. I said I've got snowboards and all that sort of stuff. I don't know. I'd have to add it all up and have a think, but just the Subaru Forester, it's probably worth, like, $7. Keeping expenses low, 2,012. Like a high end r 20. I think that's 2012 as well. Keeping it humble. Good. No. Yeah. Yeah. So I've got 30 k in my bank at the moment, and Keeley's got that. That's the same, 30 k plus, and then she's got another she's got another, like, $15 in ETFs. I think it's mainly, like, Vanguard, stuff like that. So that's yeah. Everything's sort of been pulled out because it was ready to go for to buy a house. But yeah. But yeah. As I said, just seeing if what we should do instead. Because initially, we were just gonna use an abused first time buyers and then turn it turn it straight into a rental after twelve months sort of thing. But now, like, obviously, with all the budget and stuff, it's all turned to shit, and we were like, maybe not. So yeah. Yeah. So, like, we're gonna we're gonna use all that, and and, unfortunately, it sort of threw everything out the window. So now that's why that's why I'm on the phone to you, I guess. Mhmm. Probably so that's the other thing too is, like, that's gonna be sort of I'm I'm expecting that as well. But, also, I think we wanna grow. We wanna we wanna try and grow it. So, like, investment, obviously. Yeah. We we wanna basically preserve like, we don't wanna we don't want it to blow it and go and, like, spend it all. And we wanna just set it aside and and let it grow on its own, whether that's, you know it's just sort of what type of investment's the best strategy for that. And time frame wise, we're pretty flexible. It could be a couple of years, so or it could be a couple years. It could be five years. It all depends. Again, like, it's pretty morbid, but, yeah, again, like, I will be expecting to inherit dad's place as well, and we do have somewhere to live in that time anyway. Yeah. Exactly. Because yeah. Exactly. Because the house is just sitting there, and we're basically renting it. So yeah. Exactly. And maintaining it and stuff. So yeah. So it's all it's all above board, and it's all good. So, yeah, nobody's breaking windows and stuff, so that's good. But yeah. So so we're we're in a pretty sort of unique position, I suppose. Like, yeah, we don't have heaps and heaps of money, but we've we've we've got options to sort of grow it over the long term and make the wisest decisions for basically the next, like, you know, twenty, thirty years. Mhmm. Yeah. Yeah. Yeah. Yeah. That's right. Yeah. Yeah. Yeah. I'll I'll yeah. I mean, yep. No. Absolutely. See yeah. Exactly. Yeah. So I am primary I am a 100% beneficiary, everything like that. Like, I'll get everything houses fully paid off thanks to the insurance claims that we did, so that's all good. And, also, dad's got it's getting close to 300 k in super now because it's been growing, which is awesome. And, yeah, that's pretty much it. He's got a few assets here and there, but it's nothing substantial. It's just like a boat and a couple of cars now because everything's sort of been put into paying down his debts and doing all that, which is really good. So he's in a pretty tidy financial position, to be honest, which is good, and everything sort of run through the NDIS. So his expenses are low too. So, you know, like yeah. So I I would probably be looking at getting that stuff eventually. Hopefully, a long time away, but, you know yeah. Cool. Yeah. Exactly. Exactly. Yeah. Yeah. Yeah. It does. That's it. Yeah. Yep. Yep. No. No. Yeah. Yeah. Yeah. Yeah. Yep. Mhmm. Yep. Yeah. Yeah. Yeah. We'll probably wanna keep it more liquid, I think, because if we do wanna end up buying, you know, in the next, say, few few years or whatever, we don't wanna be locked out of that money potentially. And I don't think it's a big enough amount to sort of be too fussy about. Like, we particularly with, like, you know, a ten year investment of 30 k. It's not gonna be, like, crazy. I mean, like, we we sort of wanna yeah. I mean, I'm happy to go aggressive and go with the liquid. You know? Like, yes. That's the thing. See, we're sort of open to options. Like, we're we're open to even you know, we were sort of looking at investing in something that's, like, already positively geared, like something cheaper, like an apartment somewhere or whatnot. But then again, like yeah. We're just we're open to anything. We just sort of wanna maintain it, have it there, and then if we have to pull it back, we can sort of think. But, yeah, just sort of setting up for the future, I guess. Do you know what I mean? Yeah. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. You're welcome. Yeah. No. We're saving. Yeah. So, like, I'm yeah. I'm putting away $500 a week, and so so is she. So, like, we're we're saving quickly, which is nice, but it's just going into a savings account. So it's you know what I mean? Like yeah. So, yeah, we are saving a fair bit. We're not just, like, blowing it. But we also are thinking, like, once we set this investment up, we're gonna continue working, but we're thinking about doing a bit of trouble next year as well. Yeah. Yeah. But we're not gonna we're not gonna go into our investment at all. We're just gonna go from what we what we earn. You know what I mean? Exactly. Yeah. Yep. Exactly. Yep. International. Yeah. Yeah. Yeah. Probably. Yep. Uh-huh. Yeah. Yep. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. No. I think it's already in effect, isn't it? It it was wasn't it effective from the night of the budget? Okay. Yeah. Right. Yeah. Right. Okay. That's interesting. Yeah. Yep. Yep. Right. Right. Okay. Yeah. Yeah. Yeah. So that could be an option moving forward anyway. Yeah. Right. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Oh, it's good to keep the options open then. Yeah. Yeah. Okay. Yep. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Uh-huh. Yep. Yep. Yep. No. For sure. Yep. Yep. Mhmm. Mhmm. Yep. Right. The boss. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Seven. Wow. Like, moderately high. I mean, like, I'm a lot because of we're in such, like, a fortunate position, we have the option to take more risk, I suppose. You know? Like, it's also not a lot of money that we're investing initially. Yeah. So, yeah, I would say seven out of 10. Per risk. I think I remember these questions about that. Yeah. Yeah. Yeah. Well, yeah. Yeah. No. I'm comfortable with my investment knowledge. Yep. Yeah. Yes. I have. Both. I've had positive and negative experiences. Yeah. Yeah. Yeah. Yeah. I was investing in some sort of, like, small cap mining stocks for a bit, and I was also investing in, like, your big your big, like, your VAS, your DHHF, like, and then Nasdaq. A few bits and pieces over in The States, but mainly big ETFs. And then I had a really good run, and then I cashed out. And but it wasn't a lie. It was just like a lot. Yeah. I mean, it was like yeah. It was a good yeah. I think I made, like, 18%, and then I was like, right. I'm out. And then yeah. But it wasn't a lot of money. Yeah. But, yeah, it was good. Yeah. Mhmm. Way more. Way more. Yeah. I'm 28. Yeah. Yeah. Yeah. Investments. What do you mean? Oh, two to five years. Yep. Yep. Probably two probably two at minimum two at minimum. I mean, two yeah. Yeah. Two. 2 is good. Two a minimum. 20%. Fine. As long as it didn't get to 21%. I mean, I think that's the risk tolerance that that yeah. I think 20%. No. No. I don't know. Probably, like, it depends on you know? I don't know what type of return. Anywhere from eight to a 100%. Yeah. Yeah. I think, yeah, I think that that, you know, like, it just isn't just as long as we're beating, like, high interest savings account, I guess. But, also, like, if we're smashing a high interest savings account, that's even better. Yeah. Yeah. Yeah. Yeah. I suppose this is a similar question. I mean, I would probably just go, like, six or seven out of 10, like, risk risk tolerance. I wouldn't go, like, full crazy. Otherwise, I'd just go rinse it through the pokies. But, you know, but, yeah, probably just, like, you know, moderately aggressive, but not, like, mental. Not reinvest yet. The dividends go back on. Yes. Yes. I have. And no. But that's that's another avenue that I wanted to discuss, I suppose, as an option, potentially. But no. I haven't. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yep. Yeah. Yep. Right. Mhmm. Yeah. Right. Yeah. Yeah. Right. Yep. Yep. Okay. Interesting. What's that one called? What's that last one called? Is it a leverage equity? Yeah. Yeah. Okay. Yeah. Right. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. No. Yeah. Yeah. Okay. Interesting. Okay. Yeah. Probably more so towards internally geared, but I'd have to talk to Keely. And it would all depend if we went in together on it or if we went separate with it. But, like, I think that, like, we have talked about it. Yeah. It all depends, I guess. Yeah. Yeah. Yeah. We're, again, open open to the possibility of it. We have talked about investing, like, getting a lot, but very briefly about getting a loan to buy stocks rather than to buy real estate. But we didn't get into the nitty gritty of it. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. For sure. Yeah. Yeah. Yeah. No. Yep. Yeah. Sorry. Yeah. It's cash instead of yeah. Is it? Yeah. Okay. But it's lower lower risk bit. Yeah. Right. Yeah. Yeah. Yeah. I mean yeah. Yeah. Yeah. Yeah. So with this with this, like, chunk of money that we have, we were, you know, we were looking to invest it in real estate regardless. But I think yeah. Exactly. I think so. I think well, like, the way that Keeley's sort of looking at it as well is she's got this lump of cash, and it's not doing anything. But then she's got the other bit in, like, ETFs and stuff anyway. So she's like, yeah. What could we do with it? I'm the same. Like, I as long as we've got a bit of a cash buffer with just that we have, we'll, like, we'll be okay. Yeah. Again, we're in a fortunate position. So, yeah, I would say, yeah, I would probably say, like, a 100% willing, but, again, it's not like a crazy, crazy amount of money. Like, if it was, like, a million dollars, I'd be like, oh, okay. Maybe, like, 60 percent. You know? But yeah. So yeah. They're an omega two. Uh-huh. That would be cool. Yeah. Yeah. Boring. No. Yeah. Right. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. The unicorn. Yep. Yep. Yeah. Yeah. Yeah. Yeah. No. But yeah. No. That's fair. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Yep. I think she's at the gym at the moment. But yeah. Oh, joy. Maybe when I'm rich. Yep. Yep. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yep. Yep. Yeah. Yeah. No. That's all good. Date of birth is the ninth of the third nineteen ninety eight. And address is 201 Laurelyn, L 0 R A L Y N, Avenue, Sanctuary Point, S A N C T U A R Y, Point, East South Wales 2540. Yeah. Yeah. Yeah. Yeah. Okay. No. No. That's fine. You can do that. Yeah. I'll give you her email. Oh, that's okay. I can give you that too. Her email is kelly dot flyn, a, e e, l e y, dot, yep, dot flyn, f l y, n n, .thirteen,1three,@Gmail.com. And her mobile number. Oh, I don't yeah. No. I don't remember her numbers. It's 040405 383 648. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. Been they done that? Yeah. Actually yeah. Like, yes. But, like yes, but sort of like no. I mean, it's through I have, like, insurance and TPD covered through my, anyway. And I'm pretty sure Keely does as well, if that's what you're talking about. Yeah. No. I mean, I'm not I don't have health I don't have private health or anything like that. And what else? Funeral insurance? Fuck that. That can come out of my investment portfolio. But yeah. No. I mean, just for you like, the regular stuff through is super fine. Is that the only insurance you were talking about or insurance in regards to, like, something else? So yeah. Yeah. Yeah. Yeah. I mean yeah. Yeah. Not not at this point. I don't yeah. I don't think I need to think about protection at this point. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, yeah. Yeah. Yeah. Yeah. Yeah. No. Definitely. That's probably like like that's sort of what we're setting up for, I guess. Not not just kids, but just sort of like so that we've, you know, we're financially well invested before we sort of go into all that. You know what I mean? That's why we're gonna buy a house, and then we're like, it's a shit investment. Just so that we're sort of set up. Yeah. Yeah. Yeah. Okay. Yes. Yep. No. No. No. No. Sorry. How it's nominated? It's in, like, which which category? Yeah. I don't think anyone I think I don't think I've done it, to be honest. Just because I haven't got it out. I'm pretty sure. So I suppose that it's just go to Chile. But, yeah, I'm not sure. Not sure. No. No. No. Just the shop. Yep. How are you? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I mean, obviously. Yeah. Oh, no. Oh, true. Yeah. Yeah. Yeah. I was excited. Yeah. True. No. Yeah. That's good. That's that's easy. I mean, I'll it it it that works well because, like, if, say, we could do it in the afternoon or something. We'll both be we we both work school. We're trying to, like, you know, at eight eight or eight or four, which She's annoying, but I think I was through the world, but yeah. Yeah. Yeah. Yeah. Yeah. Nice. I know. That sounds no. That that's good. Yeah. If you yeah. So it's definitely something you can help with, which is good. Yeah. So it's fine. Let's do it. Yeah. Yeah. Yeah. I don't even I don't even think he spoke to you. I don't think that you are. He's not. Oh, I mean yeah. Yeah. Probably. Probably not. Probably not. That's funny. That's funny, baby, actually. Yeah. Yeah. Yeah. Yeah. No. It's good. I mean, obviously, you made a pretty good impression today, like and, like, you helped me out heaps particularly with particularly with, like, the superstructure and, like, with all of the the TPD payout and then the buyback as well. Because it was all and it was all, like and it's all worked out really well. Like so there's there's all that, the buyback and everything like that as well that's been put in place and all of it. So it's all it's all it all worked out really well. And, obviously, like, it's been structured in such a way that it's been, like, growing. So it's just yeah. So it's good. So it was just sorry? Yeah. No. You should because yeah. No. Because it was like it was pretty touch and go for a while there, and then it all sort of went well. And yeah. So now I'm just sort of like I know that if I don't know. If I can make something work now, I'm moving into the future, then I can sort of, like, you know, make the most out of everything. You know? Yeah. Yeah. Alright. Well, thank you very much for that. I appreciate it. Yeah. 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anscript":"\nHello. Jessica speaking. Good. How are you? Oh, I'm good.\n\nHang on one second. Yeah. No. Yeah. I I looked you up, and I was like, yeah.\n\nSweet. Because, yeah, because, obviously, like, it was very easy to deal with you previously. And, yeah, I was sort of just seeing if I could get some finance advice, basically. Yeah. Yeah.\n\nWhat? Who I am? Yeah. Oh, yeah. Late late twenties.\n\nCome on. Yeah. Yeah. Yeah. That's good.\n\nDad's in care now. So he's he's in a supported independent living home, which is just up the road really from where he was. But, yeah, he's he's good. He's obviously, like, deteriorated, but, yeah, obviously, with Alzheimer's and that. But yeah.\n\nBut he's good. I mean, everything's pretty in order for him, to be honest, which is great. Well, yeah, sort of. I haven't really been contacted at all by those guys. So that's why I came to you because I was like, yeah.\n\nI feel like yeah. Yeah. I don't know. They've sort of let it slip. So yeah.\n\nNo. No. That's good. Yeah. Yeah.\n\nYeah. No. No. That's all yeah. It's not all good.\n\nBut yeah. No. All of that side of things is good. So it's yeah. Sort of just, like, seeing if the like, bit of potential is just to see if I could get financial advice, I guess, now.\n\nBut it's sort of yeah. So I'm in a I'm in a bit of a, like, an interesting sort of position where we've got sort of options, but so, like, we've it's sort of we're in a financial position where we've got this sort of lump of cash, but and we've just been given preapproval, but we're thinking about not buying a house and investing elsewhere could be because, obviously, like so I'm living at Dads at the moment, so there's that. And just sort of like so we've got a deposit, and we're we're just me and my partner, it's sort of thinking about ways that we can sort of invest that elsewhere. Yeah. So either, like, you know, like ETFs or I don't know what.\n\nLike, we're we're open to options, but we just don't think that real estate's a good bet at the moment. We've actually just gotten been given preapproval. So we've got preapproval in our back pocket. Yeah. But, yeah, I don't know.\n\nI just yeah. Who knows? Exactly. Yeah. And just sorta sorta to hold on and preserve that money potentially while we're in, like, a good position so then we can eventually buy later or grow it a little bit and then, you know, go from there.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. That's that's not a problem. Yeah. That that would be good. Yeah.\n\nMaybe you wanna begin. Yeah. Keely. Yeah. Keely Flynn.\n\nWe're defacto, I suppose. I guess that's what it is. Yeah. Yeah. It's just funny.\n\nI don't know. Defacto sounds funny. It's like an I don't know. Anyway, yeah, Defacto. Yeah.\n\nWe're partnered. That's it. That's it. But yeah. No.\n\nYeah. Obviously, we were gonna buy a house, so we went through all that process together and all that stuff. So, yeah, we're just trying to build and prepare. But, yeah, we're we're actually both teachers. So we're both yeah.\n\nI'm full time, and she's casual, but we're sort of both sort of early career teachers. No. I'm I'm secondary. She's primary. Yep.\n\nScience. Yeah. Yeah. Yeah. So I'm on 91 k a year at the moment, but that's just, like, first year income.\n\nAnd then she like, obviously, she's casual, but she's probably working I would say she's probably on, like, $80.80 to 85 k a year, all depending on how much she works on the second half of the year. But she's been pretty much working every day. Like, there's so much demand for it, and she's just about to go on contracts too. So yeah. No.\n\nI'm in New South Wales, so I'm I'm actually employed by the Catholic Education Diocese of Wollongong, it's called. Yeah. So it's just like a the cat sort of Catholic system. Yep. And she's she's New South Wales Department of Education.\n\nYep. Yeah. No. I don't think so. I'm not a 100% sure, to be honest.\n\nI'll have to I'll have to check. Yeah. Yeah. I can do that. Yeah.\n\nYeah. I'm actually just pulling them up now. Yeah. So our expenses are super low. So I'm so because I've got it set up, so I'm basically paying utilities at dad's because I'm actually repairing his house, trying to make his asset better.\n\nSo I'm we're we're we're basically paying just utilities, so that's pretty much where is it? What am I paying? $1.20 a week, which covers, like, Wi Fi, electricity, water, gas, all of that. And then I'm obviously doing maintenance on the house, which doesn't really factor into any of it. But and then there's, like, phone bills and stuff that expensive.\n\nI should just send you the whole preapproval documents. Yeah. I'll see if I can do that. Yeah. Sorry.\n\nI just got out of a work meeting, and I'm like, my brain's fried from today. But yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yep. Definitely. Definitely.\n\nNo. No. Nothing. Yeah. Like, also nothing.\n\nYeah. We've got we both have we both have cars. I don't know, really. Like, just the usual. I don't know.\n\nI said I've got snowboards and all that sort of stuff. I don't know. I'd have to add it all up and have a think, but just the Subaru Forester, it's probably worth, like, $7. Keeping expenses low, 2,012. Like a high end r 20.\n\nI think that's 2012 as well. Keeping it humble. Good. No. Yeah.\n\nYeah. So I've got 30 k in my bank at the moment, and Keeley's got that. That's the same, 30 k plus, and then she's got another she's got another, like, $15 in ETFs. I think it's mainly, like, Vanguard, stuff like that. So that's yeah.\n\nEverything's sort of been pulled out because it was ready to go for to buy a house. But yeah. But yeah. As I said, just seeing if what we should do instead. Because initially, we were just gonna use an abused first time buyers and then turn it turn it straight into a rental after twelve months sort of thing.\n\nBut now, like, obviously, with all the budget and stuff, it's all turned to shit, and we were like, maybe not. So yeah. Yeah. So, like, we're gonna we're gonna use all that, and and, unfortunately, it sort of threw everything out the window. So now that's why that's why I'm on the phone to you, I guess.\n\nMhmm. Probably so that's the other thing too is, like, that's gonna be sort of I'm I'm expecting that as well. But, also, I think we wanna grow. We wanna we wanna try and grow it. So, like, investment, obviously.\n\nYeah. We we wanna basically preserve like, we don't wanna we don't want it to blow it and go and, like, spend it all. And we wanna just set it aside and and let it grow on its own, whether that's, you know it's just sort of what type of investment's the best strategy for that. And time frame wise, we're pretty flexible. It could be a couple of years, so or it could be a couple years.\n\nIt could be five years. It all depends. Again, like, it's pretty morbid, but, yeah, again, like, I will be expecting to inherit dad's place as well, and we do have somewhere to live in that time anyway. Yeah. Exactly.\n\nBecause yeah. Exactly. Because the house is just sitting there, and we're basically renting it. So yeah. Exactly.\n\nAnd maintaining it and stuff. So yeah. So it's all it's all above board, and it's all good. So, yeah, nobody's breaking windows and stuff, so that's good. But yeah.\n\nSo so we're we're in a pretty sort of unique position, I suppose. Like, yeah, we don't have heaps and heaps of money, but we've we've we've got options to sort of grow it over the long term and make the wisest decisions for basically the next, like, you know, twenty, thirty years. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. That's right. Yeah. Yeah.\n\nYeah. I'll I'll yeah. I mean, yep. No. Absolutely.\n\nSee yeah. Exactly. Yeah. So I am primary I am a 100% beneficiary, everything like that. Like, I'll get everything houses fully paid off thanks to the insurance claims that we did, so that's all good.\n\nAnd, also, dad's got it's getting close to 300 k in super now because it's been growing, which is awesome. And, yeah, that's pretty much it. He's got a few assets here and there, but it's nothing substantial. It's just like a boat and a couple of cars now because everything's sort of been put into paying down his debts and doing all that, which is really good. So he's in a pretty tidy financial position, to be honest, which is good, and everything sort of run through the NDIS.\n\nSo his expenses are low too. So, you know, like yeah. So I I would probably be looking at getting that stuff eventually. Hopefully, a long time away, but, you know yeah. Cool.\n\nYeah. Exactly. Exactly. Yeah. Yeah.\n\nYeah. It does. That's it. Yeah. Yep.\n\nYep. No. No. Yeah. Yeah.\n\nYeah. Yeah. Yep. Mhmm. Yep.\n\nYeah. Yeah. Yeah. We'll probably wanna keep it more liquid, I think, because if we do wanna end up buying, you know, in the next, say, few few years or whatever, we don't wanna be locked out of that money potentially. And I don't think it's a big enough amount to sort of be too fussy about.\n\nLike, we particularly with, like, you know, a ten year investment of 30 k. It's not gonna be, like, crazy. I mean, like, we we sort of wanna yeah. I mean, I'm happy to go aggressive and go with the liquid. You know?\n\nLike, yes. That's the thing. See, we're sort of open to options. Like, we're we're open to even you know, we were sort of looking at investing in something that's, like, already positively geared, like something cheaper, like an apartment somewhere or whatnot. But then again, like yeah.\n\nWe're just we're open to anything. We just sort of wanna maintain it, have it there, and then if we have to pull it back, we can sort of think. But, yeah, just sort of setting up for the future, I guess. Do you know what I mean? Yeah.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. You're welcome. Yeah. No.\n\nWe're saving. Yeah. So, like, I'm yeah. I'm putting away $500 a week, and so so is she. So, like, we're we're saving quickly, which is nice, but it's just going into a savings account.\n\nSo it's you know what I mean? Like yeah. So, yeah, we are saving a fair bit. We're not just, like, blowing it. But we also are thinking, like, once we set this investment up, we're gonna continue working, but we're thinking about doing a bit of trouble next year as well.\n\nYeah. Yeah. But we're not gonna we're not gonna go into our investment at all. We're just gonna go from what we what we earn. You know what I mean?\n\nExactly. Yeah. Yep. Exactly. Yep.\n\nInternational. Yeah. Yeah. Yeah. Probably.\n\nYep. Uh-huh. Yeah. Yep. Yeah.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. No. I think it's already in effect, isn't it? It it was wasn't it effective from the night of the budget?\n\nOkay. Yeah. Right. Yeah. Right.\n\nOkay. That's interesting. Yeah. Yep. Yep.\n\nRight. Right. Okay. Yeah. Yeah.\n\nYeah. So that could be an option moving forward anyway. Yeah. Right. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nOh, it's good to keep the options open then. Yeah. Yeah. Okay. Yep.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. Uh-huh. Yep. Yep.\n\nYep. No. For sure. Yep. Yep.\n\nMhmm. Mhmm. Yep. Right. The boss.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Seven. Wow. Like, moderately high. I mean, like, I'm a lot because of we're in such, like, a fortunate position, we have the option to take more risk, I suppose.\n\nYou know? Like, it's also not a lot of money that we're investing initially. Yeah. So, yeah, I would say seven out of 10. Per risk.\n\nI think I remember these questions about that. Yeah. Yeah. Yeah. Well, yeah.\n\nYeah. No. I'm comfortable with my investment knowledge. Yep. Yeah.\n\nYes. I have. Both. I've had positive and negative experiences. Yeah.\n\nYeah. Yeah. Yeah. I was investing in some sort of, like, small cap mining stocks for a bit, and I was also investing in, like, your big your big, like, your VAS, your DHHF, like, and then Nasdaq. A few bits and pieces over in The States, but mainly big ETFs.\n\nAnd then I had a really good run, and then I cashed out. And but it wasn't a lie. It was just like a lot. Yeah. I mean, it was like yeah.\n\nIt was a good yeah. I think I made, like, 18%, and then I was like, right. I'm out. And then yeah. But it wasn't a lot of money.\n\nYeah. But, yeah, it was good. Yeah. Mhmm. Way more.\n\nWay more. Yeah. I'm 28. Yeah. Yeah.\n\nYeah. Investments. What do you mean? Oh, two to five years. Yep.\n\nYep. Probably two probably two at minimum two at minimum. I mean, two yeah. Yeah. Two.\n\n2 is good. Two a minimum. 20%. Fine. As long as it didn't get to 21%.\n\nI mean, I think that's the risk tolerance that that yeah. I think 20%. No. No. I don't know.\n\nProbably, like, it depends on you know? I don't know what type of return. Anywhere from eight to a 100%. Yeah. Yeah.\n\nI think, yeah, I think that that, you know, like, it just isn't just as long as we're beating, like, high interest savings account, I guess. But, also, like, if we're smashing a high interest savings account, that's even better. Yeah. Yeah. Yeah.\n\nYeah. I suppose this is a similar question. I mean, I would probably just go, like, six or seven out of 10, like, risk risk tolerance. I wouldn't go, like, full crazy. Otherwise, I'd just go rinse it through the pokies.\n\nBut, you know, but, yeah, probably just, like, you know, moderately aggressive, but not, like, mental. Not reinvest yet. The dividends go back on. Yes. Yes.\n\nI have. And no. But that's that's another avenue that I wanted to discuss, I suppose, as an option, potentially. But no. I haven't.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Mhmm. Yep.\n\nYeah. Yep. Right. Mhmm. Yeah.\n\nRight. Yeah. Yeah. Right. Yep.\n\nYep. Okay. Interesting. What's that one called? What's that last one called?\n\nIs it a leverage equity? Yeah. Yeah. Okay. Yeah.\n\nRight. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Yeah. No. Yeah.\n\nYeah. Okay. Interesting. Okay. Yeah.\n\nProbably more so towards internally geared, but I'd have to talk to Keely. And it would all depend if we went in together on it or if we went separate with it. But, like, I think that, like, we have talked about it. Yeah. It all depends, I guess.\n\nYeah. Yeah. Yeah. We're, again, open open to the possibility of it. We have talked about investing, like, getting a lot, but very briefly about getting a loan to buy stocks rather than to buy real estate.\n\nBut we didn't get into the nitty gritty of it. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. For sure.\n\nYeah. Yeah. Yeah. No. Yep.\n\nYeah. Sorry. Yeah. It's cash instead of yeah. Is it?\n\nYeah. Okay. But it's lower lower risk bit. Yeah. Right.\n\nYeah. Yeah. Yeah. I mean yeah. Yeah.\n\nYeah. Yeah. So with this with this, like, chunk of money that we have, we were, you know, we were looking to invest it in real estate regardless. But I think yeah. Exactly.\n\nI think so. I think well, like, the way that Keeley's sort of looking at it as well is she's got this lump of cash, and it's not doing anything. But then she's got the other bit in, like, ETFs and stuff anyway. So she's like, yeah. What could we do with it?\n\nI'm the same. Like, I as long as we've got a bit of a cash buffer with just that we have, we'll, like, we'll be okay. Yeah. Again, we're in a fortunate position. So, yeah, I would say, yeah, I would probably say, like, a 100% willing, but, again, it's not like a crazy, crazy amount of money.\n\nLike, if it was, like, a million dollars, I'd be like, oh, okay. Maybe, like, 60 percent. You know? But yeah. So yeah.\n\nThey're an omega two. Uh-huh. That would be cool. Yeah. Yeah.\n\nBoring. No. Yeah. Right. Yep.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYeah. The unicorn. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. No. But yeah.\n\nNo. That's fair. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Okay. Yep.\n\nYep. I think she's at the gym at the moment. But yeah. Oh, joy. Maybe when I'm rich.\n\nYep. Yep. Okay. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Mhmm.\n\nYep. Yep. Yeah. Yeah. No.\n\nThat's all good. Date of birth is the ninth of the third nineteen ninety eight. And address is 201 Laurelyn, L 0 R A L Y N, Avenue, Sanctuary Point, S A N C T U A R Y, Point, East South Wales 2540. Yeah. Yeah.\n\nYeah. Yeah. Okay. No. No.\n\nThat's fine. You can do that. Yeah. I'll give you her email. Oh, that's okay.\n\nI can give you that too. Her email is kelly dot flyn, a, e e, l e y, dot, yep, dot flyn, f l y, n n, .thirteen,1three,@Gmail.com. And her mobile number. Oh, I don't yeah. No.\n\nI don't remember her numbers. It's 040405 383 648. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nBeen they done that? Yeah. Actually yeah. Like, yes. But, like yes, but sort of like no.\n\nI mean, it's through I have, like, insurance and TPD covered through my, anyway. And I'm pretty sure Keely does as well, if that's what you're talking about. Yeah. No. I mean, I'm not I don't have health I don't have private health or anything like that.\n\nAnd what else? Funeral insurance? Fuck that. That can come out of my investment portfolio. But yeah.\n\nNo. I mean, just for you like, the regular stuff through is super fine. Is that the only insurance you were talking about or insurance in regards to, like, something else? So yeah. Yeah.\n\nYeah. Yeah. I mean yeah. Yeah. Not not at this point.\n\nI don't yeah. I don't think I need to think about protection at this point. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Oh, yeah.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nDefinitely. That's probably like like that's sort of what we're setting up for, I guess. Not not just kids, but just sort of like so that we've, you know, we're financially well invested before we sort of go into all that. You know what I mean? That's why we're gonna buy a house, and then we're like, it's a shit investment.\n\nJust so that we're sort of set up. Yeah. Yeah. Yeah. Okay.\n\nYes. Yep. No. No. No.\n\nNo. Sorry. How it's nominated? It's in, like, which which category? Yeah.\n\nI don't think anyone I think I don't think I've done it, to be honest. Just because I haven't got it out. I'm pretty sure. So I suppose that it's just go to Chile. But, yeah, I'm not sure.\n\nNot sure. No. No. No. Just the shop.\n\nYep. How are you? Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I mean, obviously. Yeah.\n\nOh, no. Oh, true. Yeah. Yeah. Yeah.\n\nI was excited. Yeah. True. No. Yeah.\n\nThat's good. That's that's easy. I mean, I'll it it it that works well because, like, if, say, we could do it in the afternoon or something. We'll both be we we both work school. We're trying to, like, you know, at eight eight or eight or four, which She's annoying, but I think I was through the world, but yeah.\n\nYeah. Yeah. Yeah. Yeah. Nice.\n\nI know. That sounds no. That that's good. Yeah. If you yeah.\n\nSo it's definitely something you can help with, which is good. Yeah. So it's fine. Let's do it. Yeah.\n\nYeah. Yeah. I don't even I don't even think he spoke to you. I don't think that you are. He's not.\n\nOh, I mean yeah. Yeah. Probably. Probably not. Probably not.\n\nThat's funny. That's funny, baby, actually. Yeah. Yeah. Yeah.\n\nYeah. No. It's good. I mean, obviously, you made a pretty good impression today, like and, like, you helped me out heaps particularly with particularly with, like, the superstructure and, like, with all of the the TPD payout and then the buyback as well. Because it was all and it was all, like and it's all worked out really well.\n\nLike so there's there's all that, the buyback and everything like that as well that's been put in place and all of it. So it's all it's all it all worked out really well. And, obviously, like, it's been structured in such a way that it's been, like, growing. So it's just yeah. So it's good.\n\nSo it was just sorry? Yeah. No. You should because yeah. No.\n\nBecause it was like it was pretty touch and go for a while there, and then it all sort of went well. And yeah. So now I'm just sort of like I know that if I don't know. If I can make something work now, I'm moving into the future, then I can sort of, like, you know, make the most out of everything. You know?\n\nYeah. Yeah. Alright. Well, thank you very much for that. I appreciate it.\n\nYeah. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.025801220908761024},{"text":"Jessica speaking.","start":1.4399999,"end":2.42,"sentiment":"neutral","sentiment_score":0.02256181091070175},{"text":"Good.","start":6.24,"end":6.74,"sentiment":"positive","sentiment_score":0.4616817831993103},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.3140022854010264},{"text":"Oh, I'm good.","start":9.84,"end":10.66,"sentiment":"positive","sentiment_score":0.34931547443072003}],"sentiment":"neutral","sentiment_score":0.2522559905424714,"num_words":10,"start":1.04,"end":10.66},{"sentences":[{"text":"Hang on one second.","start":10.8,"end":11.78,"sentiment":"neutral","sentiment_score":0.1538104135543108},{"text":"Yeah.","start":18.025,"end":18.525,"sentiment":"neutral","sentiment_score":0.04710301756858826},{"text":"No.","start":19.225,"end":19.545,"sentiment":"neutral","sentiment_score":0.00939829833805561},{"text":"Yeah.","start":19.545,"end":19.865,"sentiment":"neutral","sentiment_score":0.04676464200019837},{"text":"I I looked you up, and I was like, yeah.","start":19.865,"end":22.585,"sentiment":"neutral","sentiment_score":0.04789862912148237}],"sentiment":"neutral","sentiment_score":0.07044081784346524,"num_words":17,"start":10.8,"end":22.585},{"sentences":[{"text":"Sweet.","start":22.585,"end":23.085,"sentiment":"neutral","sentiment_score":0.17300057411193848},{"text":"Because, yeah, because, obviously, like, it was very easy to deal with you previously.","start":23.945,"end":29.325,"sentiment":"neutral","sentiment_score":0.1273805797100067},{"text":"And, yeah, I was sort of just seeing if I could get some finance advice, basically.","start":30.185,"end":35.85,"sentiment":"neutral","sentiment_score":0.04157678078627214},{"text":"Yeah.","start":36.87,"end":37.37,"sentiment":"neutral","sentiment_score":0.04037179425358772},{"text":"Yeah.","start":42.629997,"end":43.129997,"sentiment":"neutral","sentiment_score":-0.0305315088480711}],"sentiment":"neutral","sentiment_score":0.0797393172132698,"num_words":33,"start":22.585,"end":43.129997},{"sentences":[{"text":"What?","start":46.345,"end":46.845,"sentiment":"neutral","sentiment_score":-0.05549031123518944},{"text":"Who I am?","start":47.465,"end":48.285,"sentiment":"neutral","sentiment_score":-0.0675117199619611},{"text":"Yeah.","start":56.105,"end":56.605,"sentiment":"neutral","sentiment_score":-0.015354786068201063},{"text":"Oh, yeah.","start":59.305,"end":60.125,"sentiment":"neutral","sentiment_score":-0.01794942282140255},{"text":"Late late twenties.","start":61.07,"end":62.289997,"sentiment":"neutral","sentiment_score":-0.033545425782601036}],"sentiment":"neutral","sentiment_score":-0.0409915380179882,"num_words":10,"start":46.345,"end":62.289997},{"sentences":[{"text":"Come on.","start":62.35,"end":63.01,"sentiment":"neutral","sentiment_score":-0.011807332746684553},{"text":"Yeah.","start":64.189995,"end":64.43,"sentiment":"neutral","sentiment_score":0.041653648018836975},{"text":"Yeah.","start":64.43,"end":64.93,"sentiment":"neutral","sentiment_score":0.015637287870049477},{"text":"Yeah.","start":76.815,"end":77.315,"sentiment":"neutral","sentiment_score":0.10651078075170516},{"text":"That's good.","start":77.375,"end":78.115,"sentiment":"neutral","sentiment_score":0.23901527374982834}],"sentiment":"neutral","sentiment_score":0.08831679980669703,"num_words":7,"start":62.35,"end":78.115},{"sentences":[{"text":"Dad's in care now.","start":78.975,"end":80.835,"sentiment":"neutral","sentiment_score":0.05478770937770605},{"text":"So he's he's in a supported independent living home, which is just up the road really from where he was.","start":82.174995,"end":89.44,"sentiment":"neutral","sentiment_score":0.036863430775702},{"text":"But, yeah, he's he's good.","start":89.82,"end":91.340004,"sentiment":"neutral","sentiment_score":0.15173978805541993},{"text":"He's obviously, like, deteriorated, but, yeah, obviously, with Alzheimer's and that.","start":91.340004,"end":96.54,"sentiment":"neutral","sentiment_score":-0.13677852137268268},{"text":"But yeah.","start":96.54,"end":98.14,"sentiment":"neutral","sentiment_score":-0.010751979425549507}],"sentiment":"neutral","sentiment_score":0.004501207127413224,"num_words":42,"start":78.975,"end":98.14},{"sentences":[{"text":"But he's good.","start":98.14,"end":98.86,"sentiment":"neutral","sentiment_score":0.21296353141466776},{"text":"I mean, everything's pretty in order for him, to be honest, which is great.","start":98.86,"end":107.655,"sentiment":"neutral","sentiment_score":0.10207324448440756},{"text":"Well, yeah, sort of.","start":107.655,"end":109.41499,"sentiment":"neutral","sentiment_score":-0.11432105861604214},{"text":"I haven't really been contacted at all by those guys.","start":109.41499,"end":112.615,"sentiment":"neutral","sentiment_score":-0.2905602931976318},{"text":"So that's why I came to you because I was like, yeah.","start":112.615,"end":115.41499,"sentiment":"neutral","sentiment_score":0.03896436607465148}],"sentiment":"neutral","sentiment_score":-0.019241831546952557,"num_words":43,"start":98.14,"end":115.41499},{"sentences":[{"text":"I feel like yeah.","start":115.41499,"end":116.55499,"sentiment":"neutral","sentiment_score":-0.017082716338336468},{"text":"Yeah.","start":116.88,"end":117.32,"sentiment":"neutral","sentiment_score":-0.07547688484191895},{"text":"I don't know.","start":117.32,"end":118.64,"sentiment":"neutral","sentiment_score":-0.13949380815029144},{"text":"They've sort of let it slip.","start":118.64,"end":119.92,"sentiment":"neutral","sentiment_score":-0.2272806093096733},{"text":"So yeah.","start":119.92,"end":122.26,"sentiment":"neutral","sentiment_score":0.053435225039720535}],"sentiment":"neutral","sentiment_score":-0.11369389877654612,"num_words":16,"start":115.41499,"end":122.26},{"sentences":[{"text":"No.","start":125.92,"end":126.08,"sentiment":"neutral","sentiment_score":-0.11186671257019044},{"text":"No.","start":126.08,"end":126.58,"sentiment":"neutral","sentiment_score":-0.18796375393867493},{"text":"That's good.","start":131.895,"end":133.435,"sentiment":"neutral","sentiment_score":-0.01336144469678402},{"text":"Yeah.","start":137.41501,"end":137.735,"sentiment":"neutral","sentiment_score":-0.07159564644098282},{"text":"Yeah.","start":137.735,"end":137.895,"sentiment":"neutral","sentiment_score":-0.04899434745311737}],"sentiment":"neutral","sentiment_score":-0.07452389163275559,"num_words":6,"start":125.92,"end":137.895},{"sentences":[{"text":"Yeah.","start":137.895,"end":138.215,"sentiment":"neutral","sentiment_score":-0.05809738114476204},{"text":"No.","start":138.215,"end":138.535,"sentiment":"neutral","sentiment_score":-0.13148145377635956},{"text":"No.","start":138.535,"end":138.77501,"sentiment":"neutral","sentiment_score":-0.1599620282649994},{"text":"That's all yeah.","start":138.77501,"end":139.655,"sentiment":"neutral","sentiment_score":-0.17701863249142966},{"text":"It's not all good.","start":139.655,"end":140.455,"sentiment":"neutral","sentiment_score":-0.23990660160779953}],"sentiment":"neutral","sentiment_score":-0.1840223167091608,"num_words":10,"start":137.895,"end":140.455},{"sentences":[{"text":"But yeah.","start":140.455,"end":140.85501,"sentiment":"neutral","sentiment_score":-0.07150007598102093},{"text":"No.","start":140.85501,"end":141.255,"sentiment":"neutral","sentiment_score":-0.027302872389554977},{"text":"All of that side of things is good.","start":141.255,"end":143.035,"sentiment":"neutral","sentiment_score":0.23032699152827263},{"text":"So it's yeah.","start":143.41501,"end":144.695,"sentiment":"neutral","sentiment_score":0.1294185370206833},{"text":"Sort of just, like, seeing if the like, bit of potential is just to see if I could get financial advice, I guess, now.","start":144.695,"end":153.4,"sentiment":"neutral","sentiment_score":0.035470783011987805}],"sentiment":"neutral","sentiment_score":0.07662808713748266,"num_words":38,"start":140.455,"end":153.4},{"sentences":[{"text":"But it's sort of yeah.","start":154.34,"end":155.7,"sentiment":"neutral","sentiment_score":0.03973486199975014},{"text":"So I'm in a I'm in a bit of a, like, an interesting sort of position where we've got sort of options, but so, like, we've it's sort of we're in a financial position where we've got this sort of lump of cash, but and we've just been given preapproval, but we're thinking about not buying a house and investing elsewhere could be because, obviously, like so I'm living at Dads at the moment, so there's that.","start":155.7,"end":182.54001,"sentiment":"neutral","sentiment_score":0.005466679216199252},{"text":"And just sort of like so we've got a deposit, and we're we're just me and my partner, it's sort of thinking about ways that we can sort of invest that elsewhere.","start":183.8,"end":193.33499,"sentiment":"neutral","sentiment_score":0.023557077802252024},{"text":"Yeah.","start":195.555,"end":195.875,"sentiment":"neutral","sentiment_score":0.05240544304251671},{"text":"So either, like, you know, like ETFs or I don't know what.","start":195.875,"end":198.995,"sentiment":"neutral","sentiment_score":0.0180421629435538}],"sentiment":"neutral","sentiment_score":0.012931862186482837,"num_words":127,"start":154.34,"end":198.995},{"sentences":[{"text":"Like, we're we're open to options, but we just don't think that real estate's a good bet at the moment.","start":198.995,"end":204.47,"sentiment":"neutral","sentiment_score":-0.0031043614726513624},{"text":"We've actually just gotten been given preapproval.","start":205.01,"end":207.27,"sentiment":"neutral","sentiment_score":0.035633892086999755},{"text":"So we've got preapproval in our back pocket.","start":208.21,"end":210.29001,"sentiment":"neutral","sentiment_score":0.04339499305933714},{"text":"Yeah.","start":210.29001,"end":210.79001,"sentiment":"neutral","sentiment_score":0.020393460988998413},{"text":"But, yeah, I don't know.","start":211.97,"end":213.19,"sentiment":"neutral","sentiment_score":-0.04873425662517548}],"sentiment":"neutral","sentiment_score":0.007591027743750956,"num_words":41,"start":198.995,"end":213.19},{"sentences":[{"text":"I just yeah.","start":213.81,"end":214.79001,"sentiment":"neutral","sentiment_score":-0.03818809613585472},{"text":"Who knows?","start":215.49,"end":216.23,"sentiment":"neutral","sentiment_score":-0.0355443125590682},{"text":"Exactly.","start":219.355,"end":219.855,"sentiment":"positive","sentiment_score":0.39676547050476074},{"text":"Yeah.","start":219.995,"end":220.315,"sentiment":"positive","sentiment_score":0.37051570415496826},{"text":"And just sorta sorta to hold on and preserve that money potentially while we're in, like, a good position so then we can eventually buy later or grow it a little bit and then, you know, go from 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a problem.","start":267.93,"end":269.21,"sentiment":"neutral","sentiment_score":0.19537598490715027},{"text":"Yeah.","start":269.21,"end":269.45,"sentiment":"positive","sentiment_score":0.34722161293029785},{"text":"That that would be good.","start":269.45,"end":270.375,"sentiment":"positive","sentiment_score":0.49009814858436584},{"text":"Yeah.","start":271.975,"end":272.455,"sentiment":"neutral","sentiment_score":0.1691685914993286}],"sentiment":"neutral","sentiment_score":0.3098471680512795,"num_words":13,"start":267.77002,"end":272.455},{"sentences":[{"text":"Maybe you wanna 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yeah.","start":309.385,"end":311.14502,"sentiment":"neutral","sentiment_score":0.08475564979016781}],"sentiment":"neutral","sentiment_score":0.08347941753454506,"num_words":40,"start":297.08,"end":311.14502},{"sentences":[{"text":"I'm full time, and she's casual, but we're sort of both sort of early career teachers.","start":311.14502,"end":319.31,"sentiment":"neutral","sentiment_score":0.1518823243677616},{"text":"No.","start":327.05,"end":327.28998,"sentiment":"neutral","sentiment_score":-0.05208427831530571},{"text":"I'm I'm secondary.","start":327.28998,"end":328.59,"sentiment":"neutral","sentiment_score":-0.038612128545840584},{"text":"She's 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yeah.","start":380.52,"end":388.875,"sentiment":"neutral","sentiment_score":0.1369236782193184},{"text":"No.","start":388.935,"end":389.335,"sentiment":"neutral","sentiment_score":-0.04001308232545853}],"sentiment":"neutral","sentiment_score":0.0667687818981134,"num_words":65,"start":358.385,"end":389.335},{"sentences":[{"text":"I'm in New South Wales, so I'm I'm actually employed by the Catholic Education Diocese of Wollongong, it's called.","start":389.335,"end":398.5,"sentiment":"neutral","sentiment_score":-0.0000172200808791736},{"text":"Yeah.","start":399.76,"end":400.26,"sentiment":"neutral","sentiment_score":0.027732621878385544},{"text":"So it's just like a the cat sort of Catholic system.","start":401.68002,"end":404.5,"sentiment":"neutral","sentiment_score":0.024227229539643635},{"text":"Yep.","start":409.04,"end":409.28,"sentiment":"neutral","sentiment_score":0.037391215562820435},{"text":"And she's she's New South Wales Department of 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yeah.","start":818.6,"end":819.39996,"sentiment":"neutral","sentiment_score":0.25628869235515594},{"text":"Exactly.","start":819.39996,"end":819.88,"sentiment":"neutral","sentiment_score":0.27054426074028015}],"sentiment":"neutral","sentiment_score":0.13318120398455197,"num_words":18,"start":808.425,"end":819.88},{"sentences":[{"text":"And maintaining it and stuff.","start":819.88,"end":821.07996,"sentiment":"neutral","sentiment_score":0.21481898725032805},{"text":"So yeah.","start":821.07996,"end":822.04,"sentiment":"neutral","sentiment_score":0.09046502783894539},{"text":"So it's all it's all above board, and it's all good.","start":822.04,"end":824.62,"sentiment":"positive","sentiment_score":0.7534187869592146},{"text":"So, yeah, nobody's breaking windows and stuff, so that's good.","start":825.32,"end":832.525,"sentiment":"positive","sentiment_score":0.5071176290512085},{"text":"But 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years.","start":837.78503,"end":849.16,"sentiment":"neutral","sentiment_score":0.1311641339212656},{"text":"Mhmm.","start":856.02,"end":856.155,"sentiment":"neutral","sentiment_score":-0.00891797337681055},{"text":"Yeah.","start":856.47504,"end":856.635,"sentiment":"neutral","sentiment_score":-0.0015524234622716904},{"text":"Yeah.","start":856.635,"end":856.875,"sentiment":"neutral","sentiment_score":-0.0009273397736251354}],"sentiment":"neutral","sentiment_score":0.11664698554834883,"num_words":56,"start":833.78503,"end":856.875},{"sentences":[{"text":"Yeah.","start":856.875,"end":857.375,"sentiment":"neutral","sentiment_score":-0.0025538220070302486},{"text":"Yeah.","start":859.835,"end":859.99506,"sentiment":"neutral","sentiment_score":-0.0010696379467844963},{"text":"That's 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yep.","start":867.515,"end":870.95996,"sentiment":"neutral","sentiment_score":0.028041645884513855},{"text":"No.","start":881.89996,"end":882.13995,"sentiment":"neutral","sentiment_score":-0.018870022147893906},{"text":"Absolutely.","start":882.13995,"end":882.63995,"sentiment":"neutral","sentiment_score":0.0040613748133182526}],"sentiment":"neutral","sentiment_score":0.0174405121554931,"num_words":9,"start":865.03503,"end":882.63995},{"sentences":[{"text":"See yeah.","start":883.525,"end":884.165,"sentiment":"neutral","sentiment_score":0.0225507328286767},{"text":"Exactly.","start":884.165,"end":884.665,"sentiment":"neutral","sentiment_score":0.03832457214593887},{"text":"Yeah.","start":885.365,"end":885.865,"sentiment":"neutral","sentiment_score":0.05036930367350578},{"text":"So I am primary I am a 100% beneficiary, everything like that.","start":886.405,"end":890.325,"sentiment":"neutral","sentiment_score":0.12642887545128664},{"text":"Like, I'll get everything houses fully paid off thanks to the insurance claims that we did, so that's all good.","start":890.325,"end":898.665,"sentiment":"neutral","sentiment_score":0.24312519505620003}],"sentiment":"neutral","sentiment_score":0.1809290485560066,"num_words":36,"start":883.525,"end":898.665},{"sentences":[{"text":"And, also, dad's got it's getting close to 300 k in super now because it's been growing, which is awesome.","start":899.66,"end":906.63995,"sentiment":"positive","sentiment_score":0.36169194132089616},{"text":"And, yeah, that's pretty much it.","start":908.22,"end":909.66,"sentiment":"neutral","sentiment_score":0.1768335277835528},{"text":"He's got a few assets here and there, but it's nothing substantial.","start":909.66,"end":912.31995,"sentiment":"neutral","sentiment_score":0.1441866879661878},{"text":"It's just like a boat and a couple of cars now because everything's sort of been put into paying down his debts and doing all that, which is really good.","start":912.38,"end":921.71497,"sentiment":"neutral","sentiment_score":0.22533111969629924},{"text":"So he's in a pretty tidy financial position, to be honest, which is good, and everything sort of run through the NDIS.","start":921.935,"end":928.72,"sentiment":"positive","sentiment_score":0.3820339312607592}],"sentiment":"neutral","sentiment_score":0.27988622585932416,"num_words":90,"start":899.66,"end":928.72},{"sentences":[{"text":"So his expenses are low too.","start":929.18,"end":930.77997,"sentiment":"neutral","sentiment_score":0.13732870295643806},{"text":"So, you know, like yeah.","start":930.77997,"end":932.62,"sentiment":"neutral","sentiment_score":-0.022243132442235948},{"text":"So I I would probably be looking at getting that stuff eventually.","start":932.62,"end":935.92,"sentiment":"neutral","sentiment_score":-0.08047708682715893},{"text":"Hopefully, a long time away, but, you know yeah.","start":936.77997,"end":939.27997,"sentiment":"neutral","sentiment_score":-0.14718195547660193},{"text":"Cool.","start":939.58,"end":939.975,"sentiment":"neutral","sentiment_score":0.29669833183288574}],"sentiment":"neutral","sentiment_score":-0.03881538648045424,"num_words":33,"start":929.18,"end":939.975},{"sentences":[{"text":"Yeah.","start":950.375,"end":950.69495,"sentiment":"neutral","sentiment_score":0.09222002327442168},{"text":"Exactly.","start":950.69495,"end":951.19495,"sentiment":"neutral","sentiment_score":0.18715672194957733},{"text":"Exactly.","start":951.33496,"end":951.83496,"sentiment":"neutral","sentiment_score":0.14745895564556122},{"text":"Yeah.","start":958.93005,"end":959.17004,"sentiment":"neutral","sentiment_score":0.08219374716281891},{"text":"Yeah.","start":959.17004,"end":959.67004,"sentiment":"neutral","sentiment_score":0.08911807835102081}],"sentiment":"neutral","sentiment_score":0.11962950527668,"num_words":5,"start":950.375,"end":959.67004},{"sentences":[{"text":"Yeah.","start":959.81006,"end":960.13,"sentiment":"neutral","sentiment_score":0.10494929552078248},{"text":"It 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positively geared, like something cheaper, like an apartment somewhere or whatnot.","start":1078.305,"end":1089.37,"sentiment":"neutral","sentiment_score":0.16959406723899226},{"text":"But then again, like yeah.","start":1089.37,"end":1090.41,"sentiment":"neutral","sentiment_score":0.0880205899477005}],"sentiment":"neutral","sentiment_score":0.16546778691311678,"num_words":48,"start":1072.865,"end":1090.41},{"sentences":[{"text":"We're just we're open to anything.","start":1090.41,"end":1091.85,"sentiment":"neutral","sentiment_score":0.22245020419359207},{"text":"We just sort of wanna maintain it, have it there, and then if we have to pull it back, we can sort of think.","start":1091.85,"end":1098.415,"sentiment":"neutral","sentiment_score":0.1252539736839632},{"text":"But, yeah, just sort of setting up for the future, I guess.","start":1098.415,"end":1101.155,"sentiment":"neutral","sentiment_score":0.11122499157985051},{"text":"Do you know what I mean?","start":1101.2949,"end":1102.4349,"sentiment":"neutral","sentiment_score":0.024829328370591004},{"text":"Yeah.","start":1102.735,"end":1103.235,"sentiment":"neutral","sentiment_score":0.1628168821334839}],"sentiment":"neutral","sentiment_score":0.12218957846718174,"num_words":49,"start":1090.41,"end":1103.235},{"sentences":[{"text":"Yep.","start":1103.615,"end":1104.115,"sentiment":"neutral","sentiment_score":0.1736330687999725},{"text":"Yeah.","start":1111.39,"end":1111.89,"sentiment":"neutral","sentiment_score":0.07998144626617432},{"text":"Yep.","start":1122.99,"end":1123.49,"sentiment":"neutral","sentiment_score":0.0928567796945572},{"text":"Yeah.","start":1129.845,"end":1130.345,"sentiment":"neutral","sentiment_score":0.001785331405699253},{"text":"Yeah.","start":1132.565,"end":1133.065,"sentiment":"neutral","sentiment_score":0.12345440685749054}],"sentiment":"neutral","sentiment_score":0.09434220660477877,"num_words":5,"start":1103.615,"end":1133.065},{"sentences":[{"text":"Yeah.","start":1133.7649,"end":1134.2649,"sentiment":"neutral","sentiment_score":0.31619688868522644},{"text":"Yeah.","start":1134.965,"end":1135.465,"sentiment":"neutral","sentiment_score":0.32906588912010193},{"text":"You're 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all good.","start":2698.305,"end":2699.2852,"sentiment":"neutral","sentiment_score":0.03790688328444958},{"text":"Date of birth is the ninth of the third nineteen ninety eight.","start":2699.665,"end":2702.565,"sentiment":"neutral","sentiment_score":0.012043398339301348},{"text":"And address is 201 Laurelyn, L 0 R A L Y N, Avenue, Sanctuary Point, S A N C T U A R Y, Point, East South Wales 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probably like like that's sort of what we're setting up for, I guess.","start":2992.65,"end":2997.93,"sentiment":"neutral","sentiment_score":-0.10152272880077362},{"text":"Not not just kids, but just sort of like so that we've, you know, we're financially well invested before we sort of go into all that.","start":2997.93,"end":3006.645,"sentiment":"neutral","sentiment_score":-0.08893639264771572},{"text":"You know what I mean?","start":3006.645,"end":3007.2852,"sentiment":"neutral","sentiment_score":-0.11576693803071976},{"text":"That's why we're gonna buy a house, and then we're like, it's a shit investment.","start":3007.2852,"end":3010.185,"sentiment":"neutral","sentiment_score":-0.26053352653980255}],"sentiment":"neutral","sentiment_score":-0.13553411360891138,"num_words":61,"start":2990.765,"end":3010.185},{"sentences":[{"text":"Just so that we're sort of set 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you?","start":3164.995,"end":3165.815,"sentiment":"positive","sentiment_score":0.4604990283648173},{"text":"Yeah.","start":3172.97,"end":3173.45,"sentiment":"neutral","sentiment_score":0.27589988708496094},{"text":"Yeah.","start":3173.45,"end":3173.5298,"sentiment":"neutral","sentiment_score":0.2386171817779541},{"text":"Yeah.","start":3173.5298,"end":3174.0298,"sentiment":"neutral","sentiment_score":0.2207368016242981}],"sentiment":"neutral","sentiment_score":0.3107479161449841,"num_words":7,"start":3139.9502,"end":3174.0298},{"sentences":[{"text":"Yeah.","start":3189.815,"end":3190.315,"sentiment":"neutral","sentiment_score":0.2091430127620697},{"text":"Yeah.","start":3203.78,"end":3204.28,"sentiment":"neutral","sentiment_score":0.023107141256332397},{"text":"Yeah.","start":3204.82,"end":3205.06,"sentiment":"neutral","sentiment_score":0.0188593752682209},{"text":"I mean, obviously.","start":3205.06,"end":3206.04,"sentiment":"neutral","sentiment_score":-0.0003411611542105675},{"text":"Yeah.","start":3206.42,"end":3206.92,"sentiment":"neutral","sentiment_score":0.002388634718954563}],"sentiment":"neutral","sentiment_score":0.036067811506135125,"num_words":7,"start":3189.815,"end":3206.92},{"sentences":[{"text":"Oh, no.","start":3207.2349,"end":3208.055,"sentiment":"neutral","sentiment_score":-0.06736869923770428},{"text":"Oh, true.","start":3211.155,"end":3212.035,"sentiment":"neutral","sentiment_score":0.08920100331306458},{"text":"Yeah.","start":3212.035,"end":3212.355,"sentiment":"neutral","sentiment_score":0.1108815371990204},{"text":"Yeah.","start":3212.355,"end":3212.595,"sentiment":"neutral","sentiment_score":0.15406587719917297},{"text":"Yeah.","start":3212.595,"end":3212.755,"sentiment":"neutral","sentiment_score":0.25108233094215393}],"sentiment":"neutral","sentiment_score":0.0799563362130097,"num_words":7,"start":3207.2349,"end":3212.755},{"sentences":[{"text":"I was excited.","start":3212.755,"end":3213.4949,"sentiment":"positive","sentiment_score":0.45409339666366577},{"text":"Yeah.","start":3215.635,"end":3215.875,"sentiment":"neutral","sentiment_score":0.209998220205307},{"text":"True.","start":3215.875,"end":3216.375,"sentiment":"neutral","sentiment_score":0.1728011667728424},{"text":"No.","start":3216.915,"end":3217.415,"sentiment":"neutral","sentiment_score":0.10295037180185318},{"text":"Yeah.","start":3217.635,"end":3217.875,"sentiment":"neutral","sentiment_score":0.22333884239196777}],"sentiment":"neutral","sentiment_score":0.2959098273089954,"num_words":7,"start":3212.755,"end":3217.875},{"sentences":[{"text":"That's good.","start":3217.875,"end":3218.435,"sentiment":"positive","sentiment_score":0.49543504416942596},{"text":"That's that's easy.","start":3218.435,"end":3219.575,"sentiment":"positive","sentiment_score":0.5205788612365723},{"text":"I mean, I'll it it it that works well because, like, if, say, we could do it in the afternoon or something.","start":3219.98,"end":3225.44,"sentiment":"neutral","sentiment_score":0.3013702373613011},{"text":"We'll both be we we both work school.","start":3226.0598,"end":3228.48,"sentiment":"neutral","sentiment_score":0.09394407831132412},{"text":"We're trying to, like, you know, at eight eight or eight or four, which She's annoying, but I think I was through the world, but yeah.","start":3228.5398,"end":3237.295,"sentiment":"neutral","sentiment_score":-0.1394578551587004}],"sentiment":"neutral","sentiment_score":0.103416398137075,"num_words":61,"start":3217.875,"end":3237.295},{"sentences":[{"text":"Yeah.","start":3244.875,"end":3245.375,"sentiment":"neutral","sentiment_score":0.046492062509059906},{"text":"Yeah.","start":3255.85,"end":3256.35,"sentiment":"neutral","sentiment_score":0.05770525336265564},{"text":"Yeah.","start":3256.8901,"end":3257.3901,"sentiment":"neutral","sentiment_score":0.054267965257167816},{"text":"Yeah.","start":3258.25,"end":3258.7302,"sentiment":"neutral","sentiment_score":0.1703515648841858},{"text":"Nice.","start":3258.7302,"end":3259.2302,"sentiment":"positive","sentiment_score":0.3547702431678772}],"sentiment":"neutral","sentiment_score":0.13671741783618926,"num_words":5,"start":3244.875,"end":3259.2302},{"sentences":[{"text":"I know.","start":3259.29,"end":3259.61,"sentiment":"neutral","sentiment_score":0.2069433405995369},{"text":"That sounds no.","start":3259.61,"end":3261.535,"sentiment":"neutral","sentiment_score":0.028508214900890987},{"text":"That that's good.","start":3261.535,"end":3262.175,"sentiment":"neutral","sentiment_score":0.2413187026977539},{"text":"Yeah.","start":3262.175,"end":3262.335,"sentiment":"neutral","sentiment_score":0.3157746195793152},{"text":"If you yeah.","start":3262.335,"end":3263.555,"sentiment":"neutral","sentiment_score":0.31032490730285645}],"sentiment":"neutral","sentiment_score":0.2058430646235744,"num_words":12,"start":3259.29,"end":3263.555},{"sentences":[{"text":"So it's definitely something you can help with, which is good.","start":3264.335,"end":3266.835,"sentiment":"positive","sentiment_score":0.4809919595718384},{"text":"Yeah.","start":3268.175,"end":3268.495,"sentiment":"positive","sentiment_score":0.3761594295501709},{"text":"So it's fine.","start":3268.495,"end":3269.315,"sentiment":"positive","sentiment_score":0.3828711311022441},{"text":"Let's do it.","start":3269.695,"end":3270.495,"sentiment":"positive","sentiment_score":0.42286503314971924},{"text":"Yeah.","start":3270.495,"end":3270.995,"sentiment":"positive","sentiment_score":0.45228683948516846}],"sentiment":"positive","sentiment_score":0.4492929640569185,"num_words":19,"start":3264.335,"end":3270.995},{"sentences":[{"text":"Yeah.","start":3277.0,"end":3277.5,"sentiment":"neutral","sentiment_score":0.01949639618396759},{"text":"Yeah.","start":3278.3599,"end":3278.68,"sentiment":"neutral","sentiment_score":0.000697847455739975},{"text":"I don't even I don't even think he spoke to you.","start":3278.68,"end":3280.92,"sentiment":"neutral","sentiment_score":-0.04126936773007566},{"text":"I don't think that you are.","start":3280.92,"end":3284.2,"sentiment":"neutral","sentiment_score":-0.039761533960700035},{"text":"He's not.","start":3284.2,"end":3284.8599,"sentiment":"neutral","sentiment_score":-0.027726871892809868}],"sentiment":"neutral","sentiment_score":-0.03465674994956879,"num_words":21,"start":3277.0,"end":3284.8599},{"sentences":[{"text":"Oh, I mean yeah.","start":3285.24,"end":3288.22,"sentiment":"neutral","sentiment_score":-0.034950883127748966},{"text":"Yeah.","start":3288.855,"end":3289.175,"sentiment":"neutral","sentiment_score":-0.03986743837594986},{"text":"Probably.","start":3289.175,"end":3289.675,"sentiment":"neutral","sentiment_score":-0.05851825699210167},{"text":"Probably not.","start":3291.655,"end":3292.135,"sentiment":"neutral","sentiment_score":-0.105393186211586},{"text":"Probably not.","start":3292.135,"end":3292.615,"sentiment":"neutral","sentiment_score":-0.08344132825732231}],"sentiment":"neutral","sentiment_score":-0.0615858256816864,"num_words":10,"start":3285.24,"end":3292.615},{"sentences":[{"text":"That's funny.","start":3292.615,"end":3293.095,"sentiment":"neutral","sentiment_score":-0.00597754679620266},{"text":"That's funny, baby, actually.","start":3293.095,"end":3294.395,"sentiment":"neutral","sentiment_score":0.0743891317397356},{"text":"Yeah.","start":3303.255,"end":3303.735,"sentiment":"neutral","sentiment_score":0.010302367620170116},{"text":"Yeah.","start":3303.735,"end":3304.08,"sentiment":"neutral","sentiment_score":0.012737439945340157},{"text":"Yeah.","start":3315.4402,"end":3315.9402,"sentiment":"neutral","sentiment_score":0.08389695733785629}],"sentiment":"neutral","sentiment_score":0.04361535536332263,"num_words":9,"start":3292.615,"end":3315.9402},{"sentences":[{"text":"Yeah.","start":3319.205,"end":3319.705,"sentiment":"neutral","sentiment_score":0.09943687170743942},{"text":"No.","start":3321.445,"end":3321.605,"sentiment":"neutral","sentiment_score":0.14993184804916382},{"text":"It's good.","start":3321.605,"end":3322.0852,"sentiment":"positive","sentiment_score":0.3424922376871109},{"text":"I mean, obviously, you made a pretty good impression today, like and, like, you helped me out heaps particularly with particularly with, like, the superstructure and, like, with all of the the TPD payout and then the buyback as well.","start":3322.0852,"end":3335.05,"sentiment":"positive","sentiment_score":0.4712822176516056},{"text":"Because it was all and it was all, like and it's all worked out really well.","start":3336.1501,"end":3340.4702,"sentiment":"positive","sentiment_score":0.5992332017049193}],"sentiment":"positive","sentiment_score":0.48955621880789596,"num_words":60,"start":3319.205,"end":3340.4702},{"sentences":[{"text":"Like so there's there's all that, the buyback and everything like that as well that's been put in place and all of it.","start":3340.4702,"end":3348.395,"sentiment":"positive","sentiment_score":0.37239014065783954},{"text":"So it's all it's all it all worked out really well.","start":3348.395,"end":3350.8152,"sentiment":"positive","sentiment_score":0.6426343538544395},{"text":"And, obviously, like, it's been structured in such a way that it's been, like, growing.","start":3351.2751,"end":3355.455,"sentiment":"positive","sentiment_score":0.4043813725312551},{"text":"So it's just yeah.","start":3355.995,"end":3357.5151,"sentiment":"neutral","sentiment_score":0.1657031998038292},{"text":"So it's good.","start":3357.5151,"end":3358.3152,"sentiment":"neutral","sentiment_score":0.14329625169436136}],"sentiment":"positive","sentiment_score":0.40700666553207804,"num_words":56,"start":3340.4702,"end":3358.3152},{"sentences":[{"text":"So it was just sorry?","start":3358.3152,"end":3360.89,"sentiment":"neutral","sentiment_score":0.023048384673893453},{"text":"Yeah.","start":3362.8699,"end":3363.27,"sentiment":"neutral","sentiment_score":0.02020055428147316},{"text":"No.","start":3363.27,"end":3363.5898,"sentiment":"neutral","sentiment_score":-0.013886511325836182},{"text":"You should because yeah.","start":3363.5898,"end":3364.55,"sentiment":"neutral","sentiment_score":0.0005203075706958771},{"text":"No.","start":3364.55,"end":3364.71,"sentiment":"neutral","sentiment_score":-0.015457803383469582}],"sentiment":"neutral","sentiment_score":0.00901494943536818,"num_words":12,"start":3358.3152,"end":3364.71},{"sentences":[{"text":"Because it was like it was pretty touch and go for a while there, and then it all sort of went well.","start":3364.71,"end":3370.97,"sentiment":"neutral","sentiment_score":0.14843915512954647},{"text":"And yeah.","start":3371.51,"end":3372.15,"sentiment":"neutral","sentiment_score":0.20004507154226303},{"text":"So now I'm just sort of like I know that if I don't know.","start":3372.15,"end":3376.735,"sentiment":"neutral","sentiment_score":0.1863929336624486},{"text":"If I can make something work now, I'm moving into the future, then I can sort of, like, you know, make the most out of everything.","start":3376.735,"end":3383.155,"sentiment":"neutral","sentiment_score":0.2179332937185581},{"text":"You know?","start":3383.215,"end":3383.875,"sentiment":"neutral","sentiment_score":0.059826914221048355}],"sentiment":"neutral","sentiment_score":0.18274503170202175,"num_words":66,"start":3364.71,"end":3383.875},{"sentences":[{"text":"Yeah.","start":3385.055,"end":3385.555,"sentiment":"neutral","sentiment_score":0.022322244942188263},{"text":"Yeah.","start":3386.415,"end":3386.915,"sentiment":"neutral","sentiment_score":0.13067926466464996},{"text":"Alright.","start":3393.75,"end":3394.15,"sentiment":"neutral","sentiment_score":0.28274044394493103},{"text":"Well, thank you very much for that.","start":3394.15,"end":3395.35,"sentiment":"positive","sentiment_score":0.614836756672178},{"text":"I appreciate it.","start":3395.35,"end":3396.33,"sentiment":"positive","sentiment_score":0.6092714071273804}],"sentiment":"positive","sentiment_score":0.5051856516645505,"num_words":13,"start":3385.055,"end":3396.33},{"sentences":[{"text":"Yeah.","start":3398.87,"end":3399.37,"sentiment":"neutral","sentiment_score":0.23261815309524536},{"text":"Bye.","start":3399.43,"end":3399.93,"sentiment":"neutral","sentiment_score":0.1732078492641449}],"sentiment":"neutral","sentiment_score":0.20291300117969513,"num_words":2,"start":3398.87,"end":3399.93}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jessica speaking.\n\nChannel 0: Hi, Jesse. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good. How are you?\n\nChannel 0: Really good. Thank you.\n\nChannel 1: Oh, I'm good. Hang on one\n\nChannel 0: I\n\nChannel 1: second.\n\nChannel 0: was pleasantly surprised when the girls told me that you had contacted.\n\nChannel 1: Yeah. No. Yeah. I I looked you up, and I was like, yeah. Sweet.\n\nBecause, yeah, because, obviously, like, it was very easy to deal with you previously. And, yeah, I was sort of just seeing if I could get some finance\n\nChannel 0: Yeah.\n\nChannel 1: advice, basically.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Can I ask? Because it's been, like, a good eighteen months,\n\nChannel 1: Yeah.\n\nChannel 0: and I have been racking my brain for the last two\n\nChannel 1: What?\n\nChannel 0: weeks. Because,\n\nChannel 1: Who\n\nChannel 0: like,\n\nChannel 1: I\n\nChannel 0: this\n\nChannel 1: am?\n\nChannel 0: no. No. No. No. I literally, the girl turned around.\n\nThey're like, do you remember a client by the name of Mark Bridges? I was like, a 100 son was Jesse. Jesse's\n\nChannel 1: Yeah.\n\nChannel 0: maybe in his thirties, if I remember correctly.\n\nChannel 1: Oh,\n\nChannel 0: I'm like\n\nChannel 1: yeah. Late\n\nChannel 0: I'm like,\n\nChannel 1: late twenties. Come on.\n\nChannel 0: oh, good. Good. I\n\nChannel 1: Yeah.\n\nChannel 0: was\n\nChannel 1: Yeah.\n\nChannel 0: like I was like, Mark was I'm like, I didn't I did a claim with Mark, and then I've been racking my head trying to figure out what happened with dad for the last two weeks. How is he going?\n\nChannel 1: Yeah. That's good. Dad's\n\nChannel 0: Okay.\n\nChannel 1: in care now. So he's he's in a supported independent\n\nChannel 0: Yep.\n\nChannel 1: living home, which is just up the road really from where he was. But, yeah, he's he's good. He's\n\nChannel 0: Yeah.\n\nChannel 1: obviously, like, deteriorated, but, yeah, obviously, with Alzheimer's and that. But yeah. But he's good. I mean, everything's pretty in order for him, to be honest, which\n\nChannel 0: Yeah.\n\nChannel 1: is\n\nChannel 0: Because you guys have been dealing with Diogo.\n\nChannel 1: great. Well, yeah, sort of. I haven't really been contacted at all by those guys. So that's why I came to you because I\n\nChannel 0: Yeah.\n\nChannel 1: was like, yeah. I feel like yeah. Yeah. I don't know. They've sort of let it slip.\n\nSo yeah.\n\nChannel 0: Absolutely. I feel privileged. So thank you for reaching out. It\n\nChannel 1: No.\n\nChannel 0: was\n\nChannel 1: No.\n\nChannel 0: pleasant surprise, and I remembered I remembered everything.\n\nChannel 1: That's\n\nChannel 0: It's always\n\nChannel 1: good.\n\nChannel 0: kind of a bit of a shambles when you don't have access to file notes and\n\nChannel 1: Yeah. Yeah. Yeah. No. No.\n\nThat's all yeah. It's not all good. But yeah. No. All of that side of things is good.\n\nSo it's yeah. Sort of just, like, seeing if the like, bit of potential is just to see if I could get financial advice, I guess, now.\n\nChannel 0: Yeah.\n\nChannel 1: But it's\n\nChannel 0: Absolutely.\n\nChannel 1: sort of yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm in a I'm in a bit of a, like, an interesting sort of position where\n\nChannel 0: Okay.\n\nChannel 1: we've got sort of options, but so, like, we've it's sort of we're in a financial position where we've got this sort of lump of cash, but and we've just been given preapproval, but we're thinking about not buying a house and investing elsewhere\n\nChannel 0: Yep.\n\nChannel 1: could be because, obviously, like so I'm living at Dads at the moment, so there's\n\nChannel 0: Yep.\n\nChannel 1: that. And just sort of like so we've got a deposit, and we're we're just me and my partner, it's sort of thinking about ways that we can sort of invest that elsewhere.\n\nChannel 0: Yep. Okay. Cool.\n\nChannel 1: Yeah. So either,\n\nChannel 0: Mhmm.\n\nChannel 1: like, you know, like ETFs or I don't know what. Like, we're we're open to options, but we just don't think that real estate's a good bet at the moment. We've actually\n\nChannel 0: Yeah.\n\nChannel 1: just gotten been given preapproval.\n\nChannel 0: Yeah.\n\nChannel 1: So we've got\n\nChannel 0: Always\n\nChannel 1: preapproval\n\nChannel 0: good\n\nChannel 1: in\n\nChannel 0: to\n\nChannel 1: our\n\nChannel 0: know.\n\nChannel 1: back pocket. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, I don't know. I just yeah.\n\nChannel 0: Wanted\n\nChannel 1: Who knows?\n\nChannel 0: to talk to someone about options, ideas, and concepts we can do to move forward.\n\nChannel 1: Exactly. Yeah. And just sorta sorta to hold on and preserve that money potentially while we're in, like, a good position so then we can eventually buy later or grow it a little bit and then, you know, go from there.\n\nChannel 0: No. That's okay. So let's let's start with the basics, and we can build our way up. Let's start with, like, occupations and incomes, what\n\nChannel 1: Yeah.\n\nChannel 0: what we have asset wise, where we're living, what that looks like, what our costs are, and we can kind of build out a bit of a profile and a bit of a scope from there.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: We we can talk about what our goals are, where we wanna head with everything. I mean, you've kind of laid it out a little bit anyway, but we can talk about where that looks, and and then I can start putting together a plan on how we proceed with everything and what\n\nChannel 1: Yeah.\n\nChannel 0: it will look like in the long term.\n\nChannel 1: Yeah. No. That's that's not a problem. Yeah. That that would be good.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. Maybe you wanna\n\nChannel 0: It\n\nChannel 1: begin.\n\nChannel 0: and your partner's Keely?\n\nChannel 1: Yeah. Keely. Yeah. Keely\n\nChannel 0: Cool.\n\nChannel 1: Flynn.\n\nChannel 0: Are we married, de facto?\n\nChannel 1: We're defacto,\n\nChannel 0: Yep.\n\nChannel 1: I suppose. I guess that's what it is. Yeah. Yeah. It's just funny.\n\nI don't know. Defacto sounds funny. It's like an I\n\nChannel 0: Yeah.\n\nChannel 1: don't know. Anyway, yeah, Defacto.\n\nChannel 0: We're\n\nChannel 1: Yeah.\n\nChannel 0: we're part we're partnered.\n\nChannel 1: We're partnered. That's\n\nChannel 0: Yeah.\n\nChannel 1: it. That's it. But yeah. No. Yeah.\n\nObviously, we were gonna buy a house, so we went through all that process together and all that stuff. So,\n\nChannel 0: Yes.\n\nChannel 1: yeah, we're just trying to build and prepare. But, yeah, we're we're actually both teachers. So we're both yeah. I'm full time, and she's casual, but we're sort of both sort of early career\n\nChannel 0: Perfect. So that's okay. So\n\nChannel 1: teachers.\n\nChannel 0: I will early career teacher, so are we school or early education?\n\nChannel 1: No. I'm I'm secondary. She's primary.\n\nChannel 0: Okay. Cool.\n\nChannel 1: Yep.\n\nChannel 0: Do you have, I I guess, a a field that you specifically teach?\n\nChannel 1: Science. Yeah.\n\nChannel 0: Love.\n\nChannel 1: Yeah.\n\nChannel 0: And then primary. Cool. Alright. Incomes for both of us.\n\nChannel 1: Yeah. So I'm on 91 k a year at the moment,\n\nChannel 0: Perfect.\n\nChannel 1: but that's just, like, first year income. And then she like, obviously, she's casual, but she's probably working I would say she's probably on, like, $80.80 to 85 k a year, all depending on how much she works on the second half of the year. But she's been pretty much\n\nChannel 0: Yep.\n\nChannel 1: working every day. Like, there's so much demand for it, and she's\n\nChannel 0: Yep.\n\nChannel 1: just about to go on contracts too. So\n\nChannel 0: Perfect. Alright. Cool. And employer, Education Queensland or\n\nChannel 1: yeah.\n\nChannel 0: private?\n\nChannel 1: No. I'm in New South Wales, so\n\nChannel 0: Oh,\n\nChannel 1: I'm\n\nChannel 0: sorry. Yep.\n\nChannel 1: I'm actually employed by the Catholic Education Diocese of Wollongong, it's called.\n\nChannel 0: Okay. Catholic.\n\nChannel 1: Yeah. So it's just like a the cat sort of Catholic system. Yep. And she's she's New South Wales Department of Education. Yep.\n\nYeah.\n\nChannel 0: And then do either of our employers have any specific employer bargaining agreements or EBAs or contract specific, so additional wages paid for anything outside of the norm over time,\n\nChannel 1: No. I don't think so.\n\nChannel 0: higher superannuation rates to the standard 12%.\n\nChannel 1: I'm not a 100% sure, to be honest. I'll have to I'll have to\n\nChannel 0: No. That's okay. I I can\n\nChannel 1: check.\n\nChannel 0: always look up the EBAs for both of them,\n\nChannel 1: Yeah.\n\nChannel 0: or we can go with the easier option of if you guys send me a payslip, I can\n\nChannel 1: Yeah.\n\nChannel 0: look\n\nChannel 1: I\n\nChannel 0: at\n\nChannel 1: can\n\nChannel 0: it and\n\nChannel 1: do\n\nChannel 0: calculate\n\nChannel 1: that.\n\nChannel 0: it. Yeah.\n\nChannel 1: Yeah. Yeah. I'm actually just pulling them\n\nChannel 0: Cool. Amazing. Now do with our incomes,\n\nChannel 1: up now.\n\nChannel 0: are we currently saving, and what do our expenses currently look like?\n\nChannel 1: Yeah. So our expenses are super low.\n\nChannel 0: Mhmm.\n\nChannel 1: So I'm so because I've got it set up, so I'm basically paying utilities at dad's because I'm actually repairing his house, trying to make his asset better.\n\nChannel 0: Yep.\n\nChannel 1: So I'm we're we're we're basically paying just utilities, so that's pretty much where is it? What am I paying? $1.20 a week,\n\nChannel 0: Okay.\n\nChannel 1: which covers, like, Wi Fi, electricity, water, gas, all of that. And then I'm obviously doing maintenance on the house, which doesn't really factor into any of it. But and then there's, like, phone bills and stuff that expensive. I should just send you the whole preapproval documents.\n\nChannel 0: Yes. That actually works nicely. Yeah. You can 100% send that. Yeah.\n\nChannel 1: Yeah. I'll see if I can do that.\n\nChannel 0: I can send you an email out at the end of the meeting and just itemize\n\nChannel 1: Yeah. Sorry.\n\nChannel 0: everything\n\nChannel 1: I\n\nChannel 0: anyway.\n\nChannel 1: just got out of a work meeting, and I'm like, my brain's fried from\n\nChannel 0: You're\n\nChannel 1: today.\n\nChannel 0: you're so fine.\n\nChannel 1: But\n\nChannel 0: I'll send\n\nChannel 1: yeah.\n\nChannel 0: you an email at the end, and I'll just ask for anything that I might need.\n\nChannel 1: Yep.\n\nChannel 0: And we can and you can just email it to me when you have a little bit more brain and maybe when you\n\nChannel 1: Yeah.\n\nChannel 0: sit down with a beer or a coffee or\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: choice of poison\n\nChannel 1: Yep.\n\nChannel 0: and go from there.\n\nChannel 1: Definitely.\n\nChannel 0: So\n\nChannel 1: Definitely.\n\nChannel 0: assets and liabilities wise, do either of you individually or joint have any debts, credit cards, or loans?\n\nChannel 1: No. No.\n\nChannel 0: Fantastic.\n\nChannel 1: Nothing.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: asset wise, what do we have to our names?\n\nChannel 1: Like, also\n\nChannel 0: Cars,\n\nChannel 1: nothing.\n\nChannel 0: boats, jet skis,\n\nChannel 1: Yeah. We've got\n\nChannel 0: collectible.\n\nChannel 1: we both have we both have cars. I don't know, really. Like, just the usual. I don't know. I said I've got snowboards and all that sort of stuff.\n\nChannel 0: Yep.\n\nChannel 1: I don't know. I'd have\n\nChannel 0: No.\n\nChannel 1: to\n\nChannel 0: That's\n\nChannel 1: add\n\nChannel 0: okay.\n\nChannel 1: it all up and have a\n\nChannel 0: What\n\nChannel 1: think,\n\nChannel 0: type\n\nChannel 1: but\n\nChannel 0: of what type of car do you drive?\n\nChannel 1: just the Subaru Forester, it's probably worth, like, $7.\n\nChannel 0: What year,\n\nChannel 1: Keeping\n\nChannel 0: model?\n\nChannel 1: expenses low, 2,012.\n\nChannel 0: Cool. I can red book look that up. And what's Kealey's car?\n\nChannel 1: Like a high end r 20. I think that's 2012 as well.\n\nChannel 0: Perfect. Alright.\n\nChannel 1: Keeping\n\nChannel 0: I\n\nChannel 1: it\n\nChannel 0: can\n\nChannel 1: humble.\n\nChannel 0: look up yeah. That's fine. I rolled around in a '94 Toyota Corolla for the better part of two decades.\n\nChannel 1: Good.\n\nChannel 0: So I'm not judging. I'm I'm we're fine. Alright. Now at your age, I'm expecting we haven't been bankrupt or declared any debt agreements, anything like that.\n\nChannel 1: No.\n\nChannel 0: Cool. Aside from the physical assets, we obviously have a bit of home and contents,\n\nChannel 1: Yeah.\n\nChannel 0: snowboards as you said,\n\nChannel 1: Yeah.\n\nChannel 0: bank assets, so actual financial assets. Do we have any shares, and what kind of money do we have in the bank at the moment that is set aside for the deposit?\n\nChannel 1: So I've got 30 k in my bank at the moment, and Keeley's got that. That's the same, 30 k plus, and then she's got another she's got another, like, $15 in ETFs. I think it's mainly, like, Vanguard, stuff like that.\n\nChannel 0: K.\n\nChannel 1: So that's yeah. Everything's sort of been pulled out because it was ready to go for to buy a house.\n\nChannel 0: Yep.\n\nChannel 1: But yeah. But yeah. As I said, just seeing if what we should do instead.\n\nChannel 0: Yep. No.\n\nChannel 1: Because initially, we were just gonna\n\nChannel 0: That's\n\nChannel 1: use an abused first time buyers\n\nChannel 0: okay.\n\nChannel 1: and then\n\nChannel 0: Yep.\n\nChannel 1: turn it turn it straight into a rental after twelve months sort of thing.\n\nChannel 0: Yep.\n\nChannel 1: But now, like, obviously, with all the budget and stuff, it's all turned to shit, and we were like, maybe not.\n\nChannel 0: Yep.\n\nChannel 1: So yeah.\n\nChannel 0: Negative gearing going\n\nChannel 1: Yeah.\n\nChannel 0: on the wayside.\n\nChannel 1: So, like, we're gonna we're gonna use all that, and and, unfortunately, it sort of threw everything out the window. So now that's why that's why I'm on the phone to you, I guess.\n\nChannel 0: Fair enough. Absolutely. Okay. So we've basically got $60 or 75. We consider the ETFs that are sitting there as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if if we were to invest that money or do something with it, what would be the time frame that we wanna access those funds? What would be, I guess, the the the goal of those that that money? Is it just set aside for a rainy day? Are\n\nChannel 1: Probably\n\nChannel 0: we going to buy in the future, or is dad's house gonna become yours?\n\nChannel 1: so that's the other thing too is, like, that's gonna be sort of I'm I'm expecting that as well. But, also, I think we wanna grow. We wanna we wanna try and grow it. So, like, investment, obviously. Yeah.\n\nWe we wanna basically preserve like, we don't wanna we don't want it to blow it and go and, like, spend it all.\n\nChannel 0: Yep.\n\nChannel 1: And we wanna just set it aside and and let it grow on its own, whether\n\nChannel 0: Yep.\n\nChannel 1: that's, you know it's just sort of what type of investment's the best strategy for that.\n\nChannel 0: Yep.\n\nChannel 1: And time frame wise, we're pretty flexible. It could be a couple of years, so or it could be a couple years. It could be five years. It all depends. Again, like, it's pretty morbid, but, yeah, again, like, I will be expecting to inherit dad's place as well, and we\n\nChannel 0: It's\n\nChannel 1: do have somewhere to live in that\n\nChannel 0: long\n\nChannel 1: time anyway.\n\nChannel 0: term. Yep.\n\nChannel 1: Yeah. Exactly. Because yeah. Exactly. Because the house is just sitting there, and we're\n\nChannel 0: Is\n\nChannel 1: basically renting it.\n\nChannel 0: yeah. You you you're essentially renting it by paying the ongoing expenses of the property,\n\nChannel 1: So\n\nChannel 0: and that's\n\nChannel 1: yeah.\n\nChannel 0: fine.\n\nChannel 1: Exactly. And maintaining it and stuff. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. So it's all it's all above board, and it's all good.\n\nChannel 0: Yeah. And\n\nChannel 1: So,\n\nChannel 0: that's absolutely fine. And it\n\nChannel 1: yeah,\n\nChannel 0: means that there's someone in the house, so it helps that out\n\nChannel 1: nobody's breaking windows and stuff, so that's good.\n\nChannel 0: from exactly.\n\nChannel 1: But yeah. So so we're we're in a pretty sort of unique position, I suppose. Like, yeah, we don't have heaps and heaps of money, but we've we've we've got options to sort of grow it over the long term and make the wisest decisions for basically the next, like, you know, twenty, thirty years.\n\nChannel 0: Yeah. Hi. Can I ask? Because while I might remember some of dad's position, I don't remember all of\n\nChannel 1: Mhmm.\n\nChannel 0: it.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: You're an only child?\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Yeah.\n\nChannel 0: I remember dad being single\n\nChannel 1: Yeah. I'll I'll\n\nChannel 0: with\n\nChannel 1: yeah. I mean,\n\nChannel 0: yep. So\n\nChannel 1: yep.\n\nChannel 0: you inherit everything. Do you know where finances sit for him? Just while I'm not gonna consider it overall, it is something that I do want to, I guess, consider as a background effect\n\nChannel 1: No.\n\nChannel 0: on\n\nChannel 1: Absolutely.\n\nChannel 0: what that looks like.\n\nChannel 1: See yeah. Exactly. Yeah. So I am primary I am a 100% beneficiary, everything\n\nChannel 0: Yes.\n\nChannel 1: like that. Like, I'll get everything houses fully paid off thanks to the insurance claims that we did, so that's all\n\nChannel 0: Yep.\n\nChannel 1: good. And, also, dad's got it's getting close to 300 k in super now because it's been growing, which is awesome.\n\nChannel 0: Yeah.\n\nChannel 1: And, yeah, that's pretty much it. He's got a few assets here and there, but it's nothing substantial. It's just like a boat and a couple of cars now because everything's sort of been put into paying down his debts and doing\n\nChannel 0: Yeah.\n\nChannel 1: all that, which is really good. So\n\nChannel 0: Yep.\n\nChannel 1: he's in a pretty tidy financial position, to be honest, which\n\nChannel 0: Good.\n\nChannel 1: is good, and everything sort of run through the NDIS. So his expenses\n\nChannel 0: Yes.\n\nChannel 1: are low too. So, you know, like yeah. So I I would probably be looking at getting that stuff eventually.\n\nChannel 0: Yeah.\n\nChannel 1: Hopefully, a long time away, but, you know yeah.\n\nChannel 0: Yes.\n\nChannel 1: Cool.\n\nChannel 0: No. Absolutely. And, I mean, fingers crossed, he's able to, as awful as it sounds and as good as it sounds, burn through most of it so that way he can enjoy quality of life while\n\nChannel 1: Yeah.\n\nChannel 0: he's here.\n\nChannel 1: Exactly. Exactly.\n\nChannel 0: $300,000 sounds like a good twelve months in Europe. Just\n\nChannel 1: Yeah. Yeah. Yeah. It does.\n\nChannel 0: He might not remember it, but he will.\n\nChannel 1: That's it. Yeah.\n\nChannel 0: Cool. No. That's fine. Alright. So if we invest the money, do we wanna be tax effective with it?\n\nBecause as you may know, anything that we like, cash in the bank incurs interest, interest goes on to your taxable income,\n\nChannel 1: Yep.\n\nChannel 0: so on and so forth.\n\nChannel 1: Yep.\n\nChannel 0: Cash in the bank, when we're looking at, you know, $30 a pace, we're not really gonna be getting that much interest, so it's not gonna be affecting our taxable\n\nChannel 1: No.\n\nChannel 0: income that much.\n\nChannel 1: No.\n\nChannel 0: If we\n\nChannel 1: Yeah.\n\nChannel 0: invest it and we're then getting, say, 10% on that, it's\n\nChannel 1: Yeah.\n\nChannel 0: gonna start increasing everything. Realistically, it doesn't affect us until we start selling assets, which is where\n\nChannel 1: Yeah.\n\nChannel 0: capital gains tax comes into play.\n\nChannel 1: Yeah.\n\nChannel 0: But I just wanna sort of, I guess, look at it because there's a couple of options that we can look at. We can look at longer term, like, ten year investments that are tax paid. We're\n\nChannel 1: Yep.\n\nChannel 0: not gonna have it we're not gonna have any tax applicable\n\nChannel 1: Mhmm.\n\nChannel 0: if like, when we go to draw down in ten years' time. Or\n\nChannel 1: Yep.\n\nChannel 0: if we wanna leave it a little bit more liquid and have access in case something happens,\n\nChannel 1: Yeah.\n\nChannel 0: then we can look at, you know, like, a investment account, shares, stock options,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: ETFs, blah blah.\n\nChannel 1: We'll probably wanna keep it more liquid, I think, because if we\n\nChannel 0: Yep.\n\nChannel 1: do wanna end up buying, you know, in the next, say, few few years or whatever,\n\nChannel 0: Yep.\n\nChannel 1: we don't wanna be locked out of that money potentially. And I don't think\n\nChannel 0: Yep.\n\nChannel 1: it's a big enough amount to sort of be too fussy about. Like, we particularly with, like, you know, a ten year investment of 30 k. It's not gonna be, like, crazy. I mean, like, we we sort of wanna yeah. I mean, I'm happy to go aggressive and go\n\nChannel 0: Yeah.\n\nChannel 1: with the liquid. You know? Like, yes. That's the thing. See, we're sort of open to options.\n\nLike, we're we're open to even you know, we were sort of looking at investing in something that's, like, already positively geared, like something cheaper, like an apartment somewhere or whatnot. But then again, like yeah. We're just we're open to anything. We just sort of wanna maintain it, have it there, and then if we have to pull it back, we can sort of think. But, yeah, just sort of setting up for the future, I guess.\n\nDo you know what I\n\nChannel 0: Yeah.\n\nChannel 1: mean?\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I can always look at, I guess, like, property as a as a secondary option and see how that would affect everything.\n\nChannel 1: Yeah.\n\nChannel 0: Utilizing, you know, rough estimates in terms of income and everything for the areas, you know, that you would purchase in.\n\nChannel 1: Yep.\n\nChannel 0: And if because you've already got preapproval, that kinda gives me an indication as to what our repayments, interest rates, and everything else are, so I'm not\n\nChannel 1: Yeah.\n\nChannel 0: having to go and do that homework. You've already kinda\n\nChannel 1: Yeah.\n\nChannel 0: done it for me, which is very\n\nChannel 1: Yeah.\n\nChannel 0: nice.\n\nChannel 1: Yeah. You're welcome.\n\nChannel 0: Yes. Thank you. Thank you. And the fact that our expenses are really low is definitely a positive. Can I ask how with the fact that our expenses are so low, what are we doing with that excess income?\n\nBecause realistically speaking, on the wages that you guys are on, you are both earning a decent income. I would\n\nChannel 1: Yeah.\n\nChannel 0: expect there to\n\nChannel 1: No.\n\nChannel 0: be\n\nChannel 1: We're\n\nChannel 0: some\n\nChannel 1: saving.\n\nChannel 0: kind\n\nChannel 1: Yeah. So,\n\nChannel 0: of\n\nChannel 1: like,\n\nChannel 0: decent\n\nChannel 1: I'm\n\nChannel 0: savings.\n\nChannel 1: yeah. I'm putting away $500 a week, and so so is she. So, like, we're we're saving quickly, which is nice, but it's just going into a savings\n\nChannel 0: Cool.\n\nChannel 1: account. So it's you know what I mean? Like yeah. So,\n\nChannel 0: Yes.\n\nChannel 1: yeah, we are saving a fair bit. We're not just, like, blowing it. But we also are thinking, like, once we set this investment up, we're gonna continue working, but we're thinking about doing a bit of trouble next year as well.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. So keeping it a little bit liquid so we can do some travel. That works.\n\nChannel 1: Yeah. But we're not gonna we're not gonna go into our investment at all. We're just\n\nChannel 0: Yep.\n\nChannel 1: gonna go from what we what we earn. You know what I mean?\n\nChannel 0: Yep. So pop put the money in the investment, create a bit of a savings buffer, and then utilize that to\n\nChannel 1: Exactly. Yeah.\n\nChannel 0: travel.\n\nChannel 1: Yep. Exactly.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Travel plans, national or international?\n\nChannel 1: International.\n\nChannel 0: Okay. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: anywhere from 10 to $30 depending on how extravagant extravagant we wanna go.\n\nChannel 1: Yeah. Probably. Yep.\n\nChannel 0: No. That's fine. Okay. So when I look at any kind of investment or profile, we follow a bit of a wealth cycle. So what we do is we kinda bring it back down to, like, the bottom and we build our way up.\n\nSo what I would want to do is I would wanna look at not everything because, obviously, there's there's benefits\n\nChannel 1: Uh-huh.\n\nChannel 0: to looking at everything at once, but, also, there's a lot of it can become overwhelming. So I like to kind of, I guess, stage it a little bit and have a bit of a plan for, say, twelve months, two years, five years, ten years,\n\nChannel 1: Yeah.\n\nChannel 0: fifty\n\nChannel 1: Yep.\n\nChannel 0: years. What\n\nChannel 1: Yeah.\n\nChannel 0: I would wanna do for both of you is, I guess, look at, I guess, foundations is\n\nChannel 1: Yeah.\n\nChannel 0: a bit of a like, look at your savings, which you've you've outlined. They're obviously incredibly incredible because of the situation you're in, and that you are saving a lot. So look at how we can possibly direct some of those savings towards wealth generation,\n\nChannel 1: Yep.\n\nChannel 0: and then look at making sure that you guys as as a foundation is set up. So look at your\n\nChannel 1: Yep.\n\nChannel 0: super, look at your insurances, and see whether there's anything we need to do there, see whether there there's any expenses that you're paying unnecessary\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and necessarily. And then, obviously, look at what you've kind of come to me for, which is looking at how we can invest that money and how we can be effective with it, how we can have a decent growth rate. 100%, we can we can gear in an investment.\n\nChannel 1: Yeah.\n\nChannel 0: I'm happy\n\nChannel 1: Yeah.\n\nChannel 0: to. Don't be wrong. I will look at, you know, where the property is an option for us because the negative gearing hasn't come into effect yet. It's proposed to come into effect next Wednesday, so theoretically speaking, if you were to purchase a house.\n\nChannel 1: No. I think\n\nChannel 0: There's\n\nChannel 1: it's\n\nChannel 0: a\n\nChannel 1: already in effect, isn't it?\n\nChannel 0: no.\n\nChannel 1: It it was\n\nChannel 0: Not\n\nChannel 1: wasn't it effective from the night of the budget?\n\nChannel 0: it's proposed to be possibly effective from, basically, the night of the budget if it goes through.\n\nChannel 1: Okay. Yeah. Right. Yeah. Right.\n\nOkay.\n\nChannel 0: But\n\nChannel 1: That's\n\nChannel 0: it also\n\nChannel 1: interesting.\n\nChannel 0: hasn't been approved yet.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: So it's it's all proposed at this point.\n\nChannel 1: Right.\n\nChannel 0: And until anything's in writing in legislation, it's still open for negotiation and currently, they're negotiating it.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: if it\n\nChannel 1: that\n\nChannel 0: does,\n\nChannel 1: could be\n\nChannel 0: it\n\nChannel 1: an option moving forward\n\nChannel 0: it\n\nChannel 1: anyway. Yeah.\n\nChannel 0: could\n\nChannel 1: Right.\n\nChannel 0: still be an option\n\nChannel 1: Yeah.\n\nChannel 0: because\n\nChannel 1: Yeah.\n\nChannel 0: they they have to get through they have I mean, don't be wrong. It's been a week since I've looked because I'm at the end of financial year, and I don't have a time to look at politicians. But last last time I I caught up on it, they were still very much in the lower house. So it's still a while away from being approved because\n\nChannel 1: Yeah.\n\nChannel 0: they have to get\n\nChannel 1: Yeah.\n\nChannel 0: through both houses.\n\nChannel 1: Yeah. Okay. Oh, it's good to keep\n\nChannel 0: So\n\nChannel 1: the options\n\nChannel 0: still an option that I can look at,\n\nChannel 1: open\n\nChannel 0: and\n\nChannel 1: then.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: can kind of float it and see. But I'll I'll definitely look at, like, IDPS or an investment account and see where that kind of lands us, what that looks like, and I can look at, you know, if we were invested for one year, two year, five year, ten years\n\nChannel 1: Yeah.\n\nChannel 0: and look at that. I will also show you what we can do with, say, that tax effective side of things, which doesn't result in you locking the money away. It just becomes tax effective after ten years. It's still liquid and still accessible. It's\n\nChannel 1: Okay.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: it's just it gives us a little bit of options to sort of look into in the event that, well, hey. You know what? Buying a house isn't isn't what we wanna do. We're actually really comfortable staying at dad's and doing what\n\nChannel 1: Yeah.\n\nChannel 0: we're\n\nChannel 1: Yeah.\n\nChannel 0: doing, fixing it up, then this is where we're just gonna be.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: It just kinda gives us those couple of options. So I'll look at it all and go from there.\n\nChannel 1: Yeah.\n\nChannel 0: But are you\n\nChannel 1: Yeah.\n\nChannel 0: comfortable for me to look at, like, your super your insurance? Consider that the savings we put away, like, I can look at you know, we can have it's called a, like, dollar cost averaging,\n\nChannel 1: Yeah.\n\nChannel 0: like, savings plan where we, you know, put money into that into that\n\nChannel 1: Yeah.\n\nChannel 0: investment to\n\nChannel 1: Yeah.\n\nChannel 0: keep it safe. Obviously, I'm not gonna be putting a thousand dollars in, 500 from each of you. That's ridiculous, and you need to be able to still save towards the holiday you wanna do with any improvements to the house and everything.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But I can have a little bit of a savings system there to continue compounding that that asset\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: and look it that way?\n\nChannel 1: Yep. Yep. No. For sure.\n\nChannel 0: Okay. Cool.\n\nChannel 1: Yep.\n\nChannel 0: So what I would like to ask that is the wrong one. Why did I open that? Oh, well. Now I'm moving too. What I wanted to ask was\n\nChannel 1: Yep.\n\nChannel 0: a couple of really obscure questions.\n\nChannel 1: Mhmm.\n\nChannel 0: And it's just to, I guess, get a little bit more of a gauge on how you would invest and what your risk appetite is.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Realistically, I probably need to speak to Kelly and\n\nChannel 1: Right.\n\nChannel 0: ask\n\nChannel 1: The\n\nChannel 0: her\n\nChannel 1: boss.\n\nChannel 0: these same\n\nChannel 1: Yeah.\n\nChannel 0: really obscure questions, and I'm happy to talk to her at any time. That's fine.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But there's, like, 14 questions. They're really obscure,\n\nChannel 1: Yeah.\n\nChannel 0: but it opens conversation. That's all\n\nChannel 1: Yeah.\n\nChannel 0: they're supposed to do.\n\nChannel 1: Yeah.\n\nChannel 0: So question one is how would you rate your willingness to take on financial risk? So would you say that at this stage in your life, you're actually really willing to take on financial risk, that you're comfortable like, you're you're comfortable to take on risk. You'd count yourself as a\n\nChannel 1: Seven.\n\nChannel 0: pretty high you're a high risk taker.\n\nChannel 1: Wow. Like, moderately high.\n\nChannel 0: Yep.\n\nChannel 1: I mean, like, I'm a lot because of we're in such, like, a fortunate position, we have the option to take more risk, I suppose.\n\nChannel 0: Yeah.\n\nChannel 1: You know? Like, it's also not a lot of money that we're investing initially. Yeah. So, yeah, I would say seven out of 10.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Per risk.\n\nChannel 0: Cool.\n\nChannel 1: I think I remember these questions about that.\n\nChannel 0: You probably they're all a little bit different. They all get asked in in different ways. But, yeah, everyone every financial firm will have, like, a risk questionnaire\n\nChannel 1: Yeah.\n\nChannel 0: to kind of gauge how\n\nChannel 1: Yeah.\n\nChannel 0: things roll for each individual.\n\nChannel 1: Yeah.\n\nChannel 0: They're\n\nChannel 1: Well,\n\nChannel 0: always\n\nChannel 1: yeah.\n\nChannel 0: different, and I've worked for a few companies, and it's always fun to I mean, they were wrong. I got to help write this one, so that was fun. Anyway, how familiar are you with investment markets? So do you understand how investment markets work? Do you like, are you comfortable with with your investment knowledge?\n\nDo you feel as though you're a bit of\n\nChannel 1: Yeah.\n\nChannel 0: a a noob or\n\nChannel 1: No. I'm comfortable with my investment knowledge. Yep.\n\nChannel 0: cool. How would you describe your experience and understanding of investment markets? So have have you ever invested before?\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Cool.\n\nChannel 1: I have.\n\nChannel 0: And when you invested, was it a positive or negative experience?\n\nChannel 1: Both.\n\nChannel 0: Yep.\n\nChannel 1: I've\n\nChannel 0: Absolutely.\n\nChannel 1: had positive and negative experiences.\n\nChannel 0: Yep. So you kind of learn risk and reward\n\nChannel 1: Yeah.\n\nChannel 0: that they they balance each other out.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. Cool. Can I ask what do we invest in?\n\nChannel 1: I was investing in some sort of, like, small cap mining stocks\n\nChannel 0: Yep.\n\nChannel 1: for a bit, and I was also investing in, like, your big your big, like, your VAS, your DHHF, like, and then Nasdaq.\n\nChannel 0: Yep. Yep.\n\nChannel 1: A few bits and pieces over in The States, but mainly big ETFs. And then I had a really good run, and then I cashed out.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: We\n\nChannel 1: but\n\nChannel 0: liquidated.\n\nChannel 1: it wasn't a lie. It was just like a lot. Yeah. I mean, it\n\nChannel 0: Yeah.\n\nChannel 1: was like yeah. It was a good yeah. I think I made, like, 18%, and then I was like, right. I'm out. And then\n\nChannel 0: You're like,\n\nChannel 1: yeah.\n\nChannel 0: I'm happy.\n\nChannel 1: But it wasn't a lot of money. Yeah. But, yeah, it was good.\n\nChannel 0: That's okay. It doesn't have to be a lot of money to feel a win.\n\nChannel 1: Yeah.\n\nChannel 0: Now question speaks to two different investments. I'm looking at two different investments. One's the personalized assets. The other is, like, it's just superannuation because I'll I will look at everything. Obviously, your superannuation, you are ten years away from touching.\n\nChannel 1: Mhmm.\n\nChannel 0: Well, more way more than ten years.\n\nChannel 1: Way\n\nChannel 0: You are\n\nChannel 1: more. Way\n\nChannel 0: way, way\n\nChannel 1: more.\n\nChannel 0: more.\n\nChannel 1: Yeah. I'm 28.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Sub 30. Oh, I remember that.\n\nChannel 1: Yeah.\n\nChannel 0: With your investments, we said probably something towards the two to five.\n\nChannel 1: Yeah. Investments. What do you mean?\n\nChannel 0: Like,\n\nChannel 1: Oh, two\n\nChannel 0: you're\n\nChannel 1: to\n\nChannel 0: like,\n\nChannel 1: five years.\n\nChannel 0: yeah, two to five years before we possibly could access that, like,\n\nChannel 1: Yep.\n\nChannel 0: the invested\n\nChannel 1: Yep.\n\nChannel 0: yeah. Cool.\n\nChannel 1: Probably two probably two at minimum two at minimum. I mean, two yeah. Yeah. Two.\n\nChannel 0: Yeah.\n\nChannel 1: 2\n\nChannel 0: Two\n\nChannel 1: is\n\nChannel 0: at two\n\nChannel 1: good.\n\nChannel 0: at minimum. Yeah.\n\nChannel 1: Two a minimum.\n\nChannel 0: That's okay. Cool. Perfect. And investments can obviously go up and down with volatility. How much of a drop in the investment before you get concerned?\n\nChannel 1: 20%.\n\nChannel 0: Cool. Direct. I love. How would you feel if after six months the portfolio had decreased by 20% and it was all due to general normal market trends, cyclical market?\n\nChannel 1: Fine. As long as it didn't get to 21%. I mean, I think that's the risk tolerance\n\nChannel 0: Yep.\n\nChannel 1: that\n\nChannel 0: Absolutely\n\nChannel 1: that\n\nChannel 0: fine.\n\nChannel 1: yeah. I think\n\nChannel 0: Perfect. Now what kind of return and this is, I guess, more of a psychological question. What kind of return are you wanting out of the investment?\n\nChannel 1: 20%.\n\nChannel 0: As a percentage.\n\nChannel 1: No. No. I don't know. Probably, like, it depends on you know? I don't know what type of return.\n\nChannel 0: Yep.\n\nChannel 1: Anywhere from eight to a 100%.\n\nChannel 0: Fair. That\n\nChannel 1: Yeah.\n\nChannel 0: that's nothing less than eight. I love\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: I think, yeah, I think that that, you know, like, it just isn't just as long as we're beating, like, high interest savings account, I guess. But, also, like, if we're smashing a high interest savings account, that's even better.\n\nChannel 0: Absolutely. And definitely keeping up with inflation and all\n\nChannel 1: Yeah.\n\nChannel 0: the good things.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Now how much risk are you willing to take to get the return you want? So are we wanting to go maximum returns regardless of the risk, understanding that risk and reward has, I guess, a a balancing act between the two of them?\n\nChannel 1: Yeah. I suppose this is a similar question. I mean, I would probably just go, like, six or seven out of 10, like, risk\n\nChannel 0: Yep.\n\nChannel 1: risk tolerance. I wouldn't go, like, full crazy. Otherwise, I'd just go rinse it through the pokies. But, you know, but, yeah, probably just, like, you know, moderately aggressive, but not, like, mental.\n\nChannel 0: Absolutely. Cool. Now neither of these assets you wanna like, you're not wanting to have, like, a capital income, so you're like, the investment account, you're not wanting to to pay, like, dividends to you in cash. You wanna reinvest those.\n\nChannel 1: Not reinvest yet. The\n\nChannel 0: Perfect.\n\nChannel 1: dividends\n\nChannel 0: Amazing. Now\n\nChannel 1: go\n\nChannel 0: with respect to taking on a loan, have you ever considered\n\nChannel 1: back\n\nChannel 0: borrowing money to invest in stocks\n\nChannel 1: on.\n\nChannel 0: before?\n\nChannel 1: Yes. Yes. I have.\n\nChannel 0: Have you ever\n\nChannel 1: And\n\nChannel 0: done it?\n\nChannel 1: no. But that's that's another avenue that I wanted to discuss, I suppose, as an option,\n\nChannel 0: Yep. So,\n\nChannel 1: potentially. But no. I haven't.\n\nChannel 0: yeah, alright. So it's referred to as, like, leveraging.\n\nChannel 1: Yep.\n\nChannel 0: So we can 100% look at leveraging to be able to invest.\n\nChannel 1: Yeah.\n\nChannel 0: There's basically two different ways that you can do that, especially\n\nChannel 1: Yeah.\n\nChannel 0: when it comes to stocks. Well, a, an investment property is obviously one of them, but but when it comes to stocks specifically, there are two options. One is that you physically go and borrow money,\n\nChannel 1: Yeah.\n\nChannel 0: and, essentially, it is a very specific loan, and that loan has generally a twelve month period. At the twelve month period, you then pay the interest plus the original loan amount back after you liquidate the assets.\n\nChannel 1: Yeah.\n\nChannel 0: So that is option one.\n\nChannel 1: Yeah.\n\nChannel 0: It means that the entirety of the risk is personally on you\n\nChannel 1: Yeah.\n\nChannel 0: because you have to, irrespective, pay that loan back. Otherwise, you\n\nChannel 1: Mhmm.\n\nChannel 0: default on\n\nChannel 1: Mhmm.\n\nChannel 0: the loan, and it's bad for your credit rating and all the rest of the fun stuff.\n\nChannel 1: Yep.\n\nChannel 0: The other option is internally geared assets, which means that you put a $100 in, and what happens is that asset goes to the lender. They borrow money, and that could be leveraged anywhere from a 110% to a 160%. I'm sure there are more that are a little bit higher leverage, but, generally, I don't push it too further than a 140 to a 160 depending.\n\nChannel 1: Yeah.\n\nChannel 0: And what happens is they basically borrow the amount of money that's relevant to how how they leverage. They invest all of that money on your behalf,\n\nChannel 1: Yep.\n\nChannel 0: and from there, they have the obligation to pay the loan back.\n\nChannel 1: Right.\n\nChannel 0: Now what that means is, theoretically speaking, if you earn nothing from that, it goes backwards, you could\n\nChannel 1: Mhmm.\n\nChannel 0: end up pulling nothing back out, but you won't owe them anything. So there's\n\nChannel 1: Yeah. Right.\n\nChannel 0: no additional owing on that.\n\nChannel 1: Yeah.\n\nChannel 0: So the risk is less on you because you have the caveat of a investment manager. So, basically,\n\nChannel 1: Yeah.\n\nChannel 0: they take on that little bit of risk versus you taking on that risk\n\nChannel 1: Right. Yep.\n\nChannel 0: versus if you go direct to a lender, you are responsible for that loan.\n\nChannel 1: Yep. Okay. Interesting.\n\nChannel 0: The difference\n\nChannel 1: What's that\n\nChannel 0: is\n\nChannel 1: one\n\nChannel 0: is obviously\n\nChannel 1: called? What's that last one called? Is it a leverage\n\nChannel 0: so\n\nChannel 1: equity?\n\nChannel 0: it's just geared geared it's geared equities, geared assets. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: both\n\nChannel 1: Yeah.\n\nChannel 0: both of them are referred to as gearing, but it's just either personally leveraged or a geared asset.\n\nChannel 1: Right. Yeah.\n\nChannel 0: There are quite a few around that are available.\n\nChannel 1: Yeah.\n\nChannel 0: There are ones that are more trusted than others depending on the investment manager, but they they are\n\nChannel 1: Yeah.\n\nChannel 0: around. They are available on the ASX. They're available available internationally, and they are there to basically allow you to kind of take advantage of a bull and and and deal with and get you more money. It\n\nChannel 1: Yeah.\n\nChannel 0: has\n\nChannel 1: Okay.\n\nChannel 0: risk. I'm not saying it doesn't. On a down market, it hurts twice as bad.\n\nChannel 1: Yeah.\n\nChannel 0: But on an up up market, it obviously\n\nChannel 1: Yeah. No.\n\nChannel 0: is happiness.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Interesting.\n\nChannel 0: my question is, are we comfortable to borrow money to\n\nChannel 1: Okay.\n\nChannel 0: do such a thing? And under that caveat, are we wanting to borrow personally, or would we be more interested in geared like, internally geared assets?\n\nChannel 1: Yeah. Probably more so towards internally geared, but I'd have to talk to Keely. And it would\n\nChannel 0: Yeah.\n\nChannel 1: all depend if we went in together on it or if we went separate with it. But, like, I think that, like, we have talked about it. Yeah. It all depends, I guess.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. I'm okay with that.\n\nChannel 1: Yeah. Yeah. We're, again, open open to the possibility of it. We\n\nChannel 0: Yep.\n\nChannel 1: have talked about investing, like, getting a lot, but very briefly about getting a loan to buy stocks rather than to buy real estate. But we didn't get into the nitty gritty of\n\nChannel 0: Yep. That's\n\nChannel 1: it.\n\nChannel 0: totally fair.\n\nChannel 1: Yep.\n\nChannel 0: It it is a large conversation to have and can\n\nChannel 1: Yeah.\n\nChannel 0: be\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: can be difficult to, I guess, assess without knowing the figures behind it.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. For sure.\n\nChannel 0: Okay. Nope. That's okay. So look. You you you you are an aggressive investor, and that's okay.\n\nThe fact that you've even opened the conversation to consider borrowing money to invest already tells me that you are very much happy to take on risk,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: Yeah.\n\nChannel 0: there are layers to risk.\n\nChannel 1: Yeah.\n\nChannel 0: And I don't know if I've ever explained this to you previously, but when it comes to investing, there is there is the it's it's called it's called the FAA. So it's the strategic asset allocation. So it's basically where the money sits, whether on the market or off the market. Let's just take our $100. Okay?\n\nWe put a $100 in the market. That means that we are fully invested in the market. If we were to, say, put $60 in the market and $40 out, it would mean that we are a bit more of a a conservative investor because we're holding back some of our funds to keep a conservative conservative\n\nChannel 1: No.\n\nChannel 0: feeling.\n\nChannel 1: Yep.\n\nChannel 0: Now, realistically, when we're looking at at investing a portion of money, generally, it's not gonna be a 100% of what we own. It's gonna be a portion that we're willing to give to that investment. So it's what within that investment holding are you willing to put on the market, and what are you willing not to. The\n\nChannel 1: Yeah.\n\nChannel 0: more you\n\nChannel 1: Sorry.\n\nChannel 0: put on the market, the better it is.\n\nChannel 1: Yeah.\n\nChannel 0: When I say it's not on the market, it's still generally on the market, but it's instead of being in,\n\nChannel 1: It's\n\nChannel 0: like, your\n\nChannel 1: cash instead of yeah.\n\nChannel 0: it's\n\nChannel 1: Is\n\nChannel 0: fixed\n\nChannel 1: it?\n\nChannel 0: in it's fixed interest or it's\n\nChannel 1: Yeah.\n\nChannel 0: high\n\nChannel 1: Okay.\n\nChannel 0: yield bonds or it's something that still earns a little bit, but you're earning\n\nChannel 1: But it's lower lower risk bit.\n\nChannel 0: correct. You're you're earning a, like, one or 2% over bank returns.\n\nChannel 1: Yeah. Right.\n\nChannel 0: It's not\n\nChannel 1: Yeah.\n\nChannel 0: we're not reaching for the stars here. We're we're just we're real conservative.\n\nChannel 1: Yeah.\n\nChannel 0: At your age, I wouldn't expect there to be a massive allocation to something like that, but\n\nChannel 1: Yeah. I\n\nChannel 0: we\n\nChannel 1: mean\n\nChannel 0: can also still take a little bit of a conservative position and have some of a cushion for if the market does take a bit of a turn because\n\nChannel 1: yeah.\n\nChannel 0: Trump's still doing this stuff and the Australian political\n\nChannel 1: Yeah.\n\nChannel 0: are still doing their stuff. So there's still some\n\nChannel 1: Yeah.\n\nChannel 0: uncertainty\n\nChannel 1: Yeah.\n\nChannel 0: everywhere.\n\nChannel 1: So with this with this, like, chunk of money that we have,\n\nChannel 0: Mhmm.\n\nChannel 1: we were, you know, we were looking to invest it in real estate regardless.\n\nChannel 0: Yep. Which\n\nChannel 1: But\n\nChannel 0: means\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: think\n\nChannel 0: a 100%.\n\nChannel 1: yeah. Exactly. I think so. I think well, like, the way that Keeley's sort of looking at it as well is she's got this lump of cash, and it's not doing anything. But then she's got the other bit in, like, ETFs and stuff anyway.\n\nChannel 0: Mhmm.\n\nChannel 1: So she's like, yeah. What could we do with it? I'm the same. Like, I as long as we've got a bit of a cash buffer with just that we have, we'll, like, we'll\n\nChannel 0: Yep.\n\nChannel 1: be okay. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Again,\n\nChannel 0: What do\n\nChannel 1: we're\n\nChannel 0: you consider?\n\nChannel 1: in a fortunate position. So, yeah, I would say, yeah, I would probably say, like, a 100% willing, but, again, it's not like a crazy, crazy amount of money. Like, if it was, like, a million dollars, I'd be like, oh, okay. Maybe, like, 60\n\nChannel 0: No. Yeah.\n\nChannel 1: percent. You\n\nChannel 0: Yep.\n\nChannel 1: know? But yeah. So yeah.\n\nChannel 0: So the second line to investing, so that's that's SA. Like, that's a strategic asset allocation. From there, you then have in in your assets, you have what's referred to as the beta and the alpha. We're getting a little technical, but\n\nChannel 1: They're an omega\n\nChannel 0: what\n\nChannel 1: two. Uh-huh.\n\nChannel 0: I wish. No.\n\nChannel 1: That\n\nChannel 0: There's\n\nChannel 1: would\n\nChannel 0: not.\n\nChannel 1: be cool. Yeah.\n\nChannel 0: No. There's a standard deviation, though,\n\nChannel 1: Yeah.\n\nChannel 0: which, you\n\nChannel 1: Boring.\n\nChannel 0: know, I figure, oh, come on. You're you're into science, so surely you're into math.\n\nChannel 1: No. Yeah.\n\nChannel 0: So what what the the beta and the alpha basically mean, it's how the asset is assessed against the benchmark. So something that has a low beta means that it costs less than the benchmark. Something that has a high alpha means that it's outperforming the benchmark. A standard deviation is basically a mix between the two of them against assets of the similar class. Now\n\nChannel 1: Right.\n\nChannel 0: when it comes to stock options at Oakview, we go with funds that are trusted. We go with funds that are reliable. We\n\nChannel 1: Yep.\n\nChannel 0: don't look for a brand new asset that's just come on the market and has a lot of risk because it's unknown.\n\nChannel 1: Yeah.\n\nChannel 0: We're not we're\n\nChannel 1: Yeah.\n\nChannel 0: not going for investment managers that are brand new, and we have no idea what what they, you know, are offering\n\nChannel 1: Yep.\n\nChannel 0: because we don't wanna put the additional risk on our clients to going and and chasing down something new and random.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: We don't invest in crypto. We\n\nChannel 1: Yeah.\n\nChannel 0: in we can invest, and we do invest in companies that mine crypto, companies that create AI and algorithm for crypto mining because\n\nChannel 1: Yep.\n\nChannel 0: they\n\nChannel 1: Yep.\n\nChannel 0: generally, it's a side gig to something else that they do.\n\nChannel 1: Yeah. Yeah. The\n\nChannel 0: But we're not going and chasing, you know, specific cryptocurrencies\n\nChannel 1: unicorn.\n\nChannel 0: because,\n\nChannel 1: Yep.\n\nChannel 0: yeah, majority of them have melted and and burnt away anyway.\n\nChannel 1: Yep.\n\nChannel 0: It's not 2,013 anymore.\n\nChannel 1: Yeah.\n\nChannel 0: Right?\n\nChannel 1: Yeah. Yeah. Yeah. No. But yeah.\n\nNo. That's fair.\n\nChannel 0: So while there's always risk in in investing, we're not adding an additional laser risk by going after something that has a risky alpha. We're not going after something that's costing an exuberant amount of money. We're not doing anything like that. We\n\nChannel 1: Yep.\n\nChannel 0: also review our portfolios at minimum 12 monthly, and we have a investment\n\nChannel 1: Yep.\n\nChannel 0: committee that includes BlackRock on\n\nChannel 1: Yep.\n\nChannel 0: it. Do you know who BlackRock is?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: One less explanation\n\nChannel 1: Yeah.\n\nChannel 0: I have to do today.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So we have we have options when it comes to investing in those cases.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Now what I would need to be able to start going from here so, basically, after this conversation, what I would need is a probably to connect with Keeley at least for ten minutes would be great,\n\nChannel 1: Yep. Yep.\n\nChannel 0: which I can call her straight after this if if she's amenable to it.\n\nChannel 1: I think she's at the gym at the moment. But yeah.\n\nChannel 0: Fair. I wish I was at the gym. I I decided to I didn't. I woke up at 4AM, and one of my kids was crying with a headache.\n\nChannel 1: Oh, joy.\n\nChannel 0: I know. Outrageous. Have kids. It'll be fun.\n\nChannel 1: Maybe when\n\nChannel 0: So\n\nChannel 1: I'm rich.\n\nChannel 0: so what I do from here is I will send you both an email requesting documents. So what I would need\n\nChannel 1: Yep.\n\nChannel 0: is I need superannuation statements. I need, you know, I need to know what you're currently invested in. I need payslips for both of you.\n\nChannel 1: Yep.\n\nChannel 0: And then if you can get me the preapproval for the loan, that would be great because that just gives me a budget summary. It would also give me what your loan approval rate is because they have your credit rating, everything like that.\n\nChannel 1: Okay.\n\nChannel 0: I can make\n\nChannel 1: Yeah.\n\nChannel 0: a stab at it, but but\n\nChannel 1: Yeah.\n\nChannel 0: the preapproval gives me a much better indication.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: From\n\nChannel 1: Yeah.\n\nChannel 0: there, what I will do is I go and do research. From that research, I come to you with my findings and or recommendations depending on what I find. Sometimes it can just be a follow-up conversation to say, hey. There's all these things. How are you feeling?\n\nChannel 1: Mhmm.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: then we make a decision from there if we proceed with any form of formal formal advice, and we start\n\nChannel 1: Yep.\n\nChannel 0: implementing things.\n\nChannel 1: Yeah.\n\nChannel 0: The couple of things I haven't grabbed though is what is your actual date of birth and what's your address? Because I skipped\n\nChannel 1: Yeah. No. That's all good. Date of birth is the ninth of the third nineteen ninety eight.\n\nChannel 0: Correct.\n\nChannel 1: And address is 201\n\nChannel 0: Yep.\n\nChannel 1: Laurelyn, L 0 R A L Y N, Avenue, Sanctuary Point, S A N C T U A R Y, Point,\n\nChannel 0: Yep. New South Wales.\n\nChannel 1: East South Wales 2540.\n\nChannel 0: Perfect. I love that you spelled Sanctuary for me. Cool. Outside of that, and I will just double check, I I have your email address at jesse jessethomasrichards@gmail.com.\n\nChannel 1: Yeah.\n\nChannel 0: Would you like me to email Keeley as well to put the request to both of you? And I can organize a time to call and speak to her just to go through the risk profile, introduce myself, and make sure that everything aligns. No. Just touch base with her as well.\n\nChannel 1: Yeah. Yeah. Yeah. Okay. No.\n\nNo.\n\nChannel 0: Cool.\n\nChannel 1: That's fine. You can do that. Yeah. I'll give you her email.\n\nChannel 0: Perfect. Because I don't have her phone number either.\n\nChannel 1: Oh, that's okay. I can give you that too. Her email is kelly dot flyn, a, e e, l e y, dot,\n\nChannel 0: K, double e, l e y. Yep.\n\nChannel 1: yep, dot flyn, f l y, n n,\n\nChannel 0: Yep.\n\nChannel 1: .thirteen,1three,@Gmail.com.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: And her mobile number.\n\nChannel 0: Oh, my love. You really were born in the age where they don't remember anything.\n\nChannel 1: Oh, I don't yeah. No. I don't remember her numbers. It's 040405\n\nChannel 0: Yep.\n\nChannel 1: 383\n\nChannel 0: Yep.\n\nChannel 1: 648.\n\nChannel 0: 648. Perfect.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: What what I'll do is I'll send an email to both of you. I'll send a text message to Kaylee and just she can respond and let me know when she would like to touch base together.\n\nChannel 1: Yep.\n\nChannel 0: And we can just kinda go over and make sure that everything's kosher, and I'll double\n\nChannel 1: Yep.\n\nChannel 0: check her income and everything. But I'll\n\nChannel 1: Yep.\n\nChannel 0: I'll pop in the email everything that I'll need. The one thing I haven't really talked to\n\nChannel 1: Yeah.\n\nChannel 0: you about is insurance. So whilst investments are all happy days and everything, I don't need to probably tell you how insurance works because\n\nChannel 1: Yeah.\n\nChannel 0: we've been there and done that.\n\nChannel 1: Been they done that? Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Actually\n\nChannel 0: Do\n\nChannel 1: yeah.\n\nChannel 0: we find value in insurance?\n\nChannel 1: Like, yes. But, like yes, but sort of like no. I mean, it's through I have, like, insurance and TPD covered through my, anyway. And\n\nChannel 0: Yep.\n\nChannel 1: I'm pretty sure Keely does as well, if that's\n\nChannel 0: Yep.\n\nChannel 1: what you're talking about.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. I mean, I'm not I don't have health I don't have private health or anything like that. And what else? Funeral insurance?\n\nFuck that.\n\nChannel 0: Fair.\n\nChannel 1: That can come out of my investment portfolio. But yeah. No.\n\nChannel 0: Yep.\n\nChannel 1: I mean, just for you like, the regular stuff through is super fine. Is that the only insurance you were talking about or insurance in regards to, like, something else?\n\nChannel 0: Personal insurance\n\nChannel 1: So\n\nChannel 0: really is what it's about.\n\nChannel 1: yeah.\n\nChannel 0: So it's, yeah, life TPD, income protection,\n\nChannel 1: Yeah.\n\nChannel 0: stuff like that that, you know, in the event that you weren't weren't able to work or anything happened, you have income still to support you.\n\nChannel 1: Yeah.\n\nChannel 0: Income protection obviously continues your income going in the event that you're unable to work short, long term, whatever the case may\n\nChannel 1: Yeah.\n\nChannel 0: be.\n\nChannel 1: I mean\n\nChannel 0: TBD is a big one.\n\nChannel 1: yeah. Yeah. Not not at this point.\n\nChannel 0: Nope.\n\nChannel 1: I don't yeah. I don't think I need to think about protection at this point.\n\nChannel 0: No. That's fine. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's cool. It's just generally, it's built into your super, so it's something I'd need to consider anyway.\n\nChannel 1: Yeah.\n\nChannel 0: But I'll I'll have a look at it and see what you guys have in terms of cover amounts\n\nChannel 1: Yeah.\n\nChannel 0: and go from\n\nChannel 1: Yeah.\n\nChannel 0: there. Can I ask, in terms of relationship to factor partners, whatever we wanna call it,\n\nChannel 1: Yeah.\n\nChannel 0: have we talked about marriage\n\nChannel 1: Yeah.\n\nChannel 0: and children?\n\nChannel 1: Yeah. Oh, yeah. Yeah. Yeah. Yeah.\n\nChannel 0: And children are on the cards maybe or no?\n\nChannel 1: Yeah. No. Definitely.\n\nChannel 0: Okay.\n\nChannel 1: That's probably like like that's sort of what we're setting up for, I guess. Not not just kids, but just sort of like so that we've, you know, we're financially well invested before we sort of go into all that. You know what I mean? That's why we're gonna buy a house, and then we're like, it's a shit investment. Just so that we're sort of set up.\n\nYeah.\n\nChannel 0: Yeah. No. That's absolutely perfect. No. That's that it's it's good to know because I can, basically, I can look at future planning.\n\nI can keep it in your supers and stuff like that, so it's not a drain on you personally. It's just making sure that\n\nChannel 1: Yeah.\n\nChannel 0: I do consider the effects of anything that I change or recommend and how that would look overall.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: that's\n\nChannel 1: Yes. Yep.\n\nChannel 0: perfect. Last couple of questions that I have. Health and lifestyle wise, are we smokers? Do we have any significant injury health issues, anything like that? Nope.\n\nNo medications or anything that we take outside of, you know, daily\n\nChannel 1: No.\n\nChannel 0: and multivitamins.\n\nChannel 1: No.\n\nChannel 0: Cool. Nothing. Perfect. We don't have private health, you said. Estate planning wise, do you have a will or power of attorney?\n\nI know you have power of attorney for dad, but do you personally have a power of attorney?\n\nChannel 1: No.\n\nChannel 0: Cool. No. That's fine. You're super currently. Do you know how it's nominated?\n\nJust out\n\nChannel 1: No.\n\nChannel 0: of curiosity's sake.\n\nChannel 1: Sorry.\n\nChannel 0: Just out of curiosity's sake.\n\nChannel 1: How it's nominated? It's in, like, which which category?\n\nChannel 0: And how the beneficiary nomination is in place? So in the event that you passed away, who's receiving funds?\n\nChannel 1: Yeah. I don't think anyone I think I don't think I've done it, to be honest. Just because I haven't got it out.\n\nChannel 0: Yeah.\n\nChannel 1: I'm pretty sure. So I suppose that it's just go to Chile. But, yeah, I'm not sure. Not sure.\n\nChannel 0: No. That's okay. Just out of curiosity, whether you knew. No. That's absolutely fine.\n\nPerfect. And random side question. Any chance you are a tax resident of any other country at all?\n\nChannel 1: No. No. No.\n\nChannel 0: Giant citizen?\n\nChannel 1: Just the shop.\n\nChannel 0: Fantastic. Just obscure questions, but trust me, it pops up more than more often\n\nChannel 1: Yep.\n\nChannel 0: than you would think. Cool. So what I'll do is I will put together an email to send to you both this evening, and it'll just be a request for you to send through documents. There is no rush if you've had a terrible week or day and you just wanna sit and cruise, that's absolutely fine. When you can get the documents to me, I can start researching from there.\n\nChannel 1: How are you?\n\nChannel 0: And then, yeah, we can go from there. More than happy to communicate over email if you have any questions, queries, concerns, or anything to add.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: And then, generally speaking, two to three weeks to get everything together to come back and chat. When we chat, we can do a video conference call if you want. So that way we can, you know, face to face or we can just do a joint call with the three of us. That's fine too.\n\nChannel 1: Yeah.\n\nChannel 0: And then go from there. I can be pretty flexible with my hours. I can start anywhere from 6AM and finish anywhere till 7PM. Look, generally, I'm here later, but I don't like to advertise it that much.\n\nChannel 1: Yeah. Yeah. I mean,\n\nChannel 0: Last night,\n\nChannel 1: obviously.\n\nChannel 0: I left at\n\nChannel 1: Yeah.\n\nChannel 0: ten.\n\nChannel 1: Oh, no.\n\nChannel 0: It's end of financial year. So\n\nChannel 1: Oh, true. Yeah. Yeah. Yeah. I was excited.\n\nYeah. True. No. Yeah. That's good.\n\nThat's that's easy. I mean, I'll it it it that works well because, like, if, say, we could do it in the afternoon or something. We'll both be we we both work school. We're trying to, like, you know, at eight eight or eight or four, which She's annoying, but I think I was through the world, but yeah.\n\nChannel 0: Yeah. Yeah. No. And we understand that that's you know, I don't take personal phone calls while I'm at work, so I get it completely.\n\nChannel 1: Yeah.\n\nChannel 0: So so yeah. What what I can do is I can yeah. We can meet at, you know, five, 05:30, and we can go through everything at five, 05:30, and we just you guys can sit down at the dinner table and have a drink and have dinner,\n\nChannel 1: Yeah.\n\nChannel 0: and I'll\n\nChannel 1: Yeah.\n\nChannel 0: I'll sit and talk to you.\n\nChannel 1: Yeah. Nice. I know. That sounds no. That that's good.\n\nYeah. If you yeah. So it's definitely something you can help with, which is good.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. So it's fine. Let's do it.\n\nChannel 0: Cool.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Well, what I'll do is I'll start putting everything together. If you see dad in the next few days, say hi for me,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: otherwise,\n\nChannel 1: I don't\n\nChannel 0: you'll\n\nChannel 1: even\n\nChannel 0: have an\n\nChannel 1: I don't\n\nChannel 0: email.\n\nChannel 1: even think he spoke to you. I don't think that you\n\nChannel 0: No. We spoke we spoke\n\nChannel 1: are.\n\nChannel 0: a\n\nChannel 1: He's\n\nChannel 0: couple\n\nChannel 1: not.\n\nChannel 0: of times, but he\n\nChannel 1: Oh,\n\nChannel 0: probably\n\nChannel 1: I mean\n\nChannel 0: doesn't remember me because it's been two\n\nChannel 1: yeah.\n\nChannel 0: years.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Probably.\n\nChannel 0: he's not going to.\n\nChannel 1: Probably not. Probably not. That's funny. That's funny, baby, actually.\n\nChannel 0: Yeah. Like, the team turned around. They're like, do you know a Mark Rich is? I was like, yeah. That was from before times.\n\nThat was\n\nChannel 1: Yeah.\n\nChannel 0: from the\n\nChannel 1: Yeah.\n\nChannel 0: before here. And they're like and they're like, how did you remember that? I'm like, because sometimes names stick with you. I'm like, I did an insurance claim. I'm like, I can't remember why, but it'll be insurance claims.\n\nI'm like, you have a son named Jesse. And they're like, yeah.\n\nChannel 1: Yeah.\n\nChannel 0: They're like, we got an email from Jesse. I was like, oh, no way. And I was\n\nChannel 1: Yeah.\n\nChannel 0: so excited.\n\nChannel 1: No. It's good. I mean, obviously, you made a pretty good impression today, like and, like, you helped me out heaps particularly with particularly with, like, the superstructure and, like, with all of the the TPD payout and then the buyback as well.\n\nChannel 0: Yes.\n\nChannel 1: Because it was\n\nChannel 0: Yeah.\n\nChannel 1: all and it was all, like and it's all worked out really well. Like so there's there's all that, the buyback and everything like that as well that's been put in place and all of it. So it's all it's all it all worked out really well. And, obviously, like, it's been structured in such a way that it's been, like, growing. So it's just\n\nChannel 0: Yep.\n\nChannel 1: yeah. So it's\n\nChannel 0: I'll\n\nChannel 1: good.\n\nChannel 0: pat myself\n\nChannel 1: So it\n\nChannel 0: on\n\nChannel 1: was\n\nChannel 0: the back\n\nChannel 1: just\n\nChannel 0: for that one.\n\nChannel 1: sorry?\n\nChannel 0: I'll pat myself on the back for that\n\nChannel 1: Yeah.\n\nChannel 0: one.\n\nChannel 1: No. You should because yeah. No. Because it was like it was pretty touch and go for a while there,\n\nChannel 0: Yeah.\n\nChannel 1: and then it all sort of went well. And yeah. So now I'm just sort of like I know that if I don't know. If I can make something work now, I'm moving into the future, then I can sort of, like, you know, make the most out of everything. You know?\n\nChannel 0: Yeah. No. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Alright. Well, I'll get cracking on this. You'll have an email from me in a little bit, and we can go from there.\n\nChannel 1: Alright. Well, thank you very much for that. I appreciate it.\n\nChannel 0: No. It's absolutely my pleasure, Jesse. Thank you so much.\n\nChannel 1: Yeah. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.025801220908761024},{"text":"Jessica speaking.","start":1.4399999,"end":2.42,"sentiment":"neutral","sentiment_score":0.02256181091070175}],"sentiment":"neutral","sentiment_score":0.023641614243388176,"channel":1,"num_words":3,"start":1.04,"end":2.42},{"sentences":[{"text":"Hi, Jesse.","start":2.8,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.1539408564567566},{"text":"Larissa from Oakview Financial.","start":3.6799998,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.1874483898282051},{"text":"How are you 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I was like, Mark was I'm like, I didn't I did a claim with Mark, and then I've been racking my head trying to figure out what happened with dad for the last two weeks.","start":64.49,"end":74.645004,"sentiment":"neutral","sentiment_score":-0.05204440358405312},{"text":"How is he going?","start":75.345,"end":76.645004,"sentiment":"neutral","sentiment_score":0.034720560535788536}],"sentiment":"neutral","sentiment_score":-0.043367907172068954,"channel":0,"num_words":40,"start":64.49,"end":76.645004},{"sentences":[{"text":"Yeah.","start":76.815,"end":77.315,"sentiment":"neutral","sentiment_score":0.10651078075170516},{"text":"That's 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nominated?","start":3081.075,"end":3082.295,"sentiment":"neutral","sentiment_score":0.025993138551712036}],"sentiment":"neutral","sentiment_score":0.036115193309692234,"channel":0,"num_words":13,"start":3077.6348,"end":3082.295},{"sentences":[{"text":"Just out","start":3083.075,"end":3083.555,"sentiment":"neutral","sentiment_score":-0.03577801771461964}],"sentiment":"neutral","sentiment_score":-0.03577801771461964,"channel":0,"num_words":2,"start":3083.075,"end":3083.555},{"sentences":[{"text":"No.","start":3083.5,"end":3084.0,"sentiment":"neutral","sentiment_score":-0.06657365709543228}],"sentiment":"neutral","sentiment_score":-0.06657365709543228,"channel":1,"num_words":1,"start":3083.5,"end":3084.0},{"sentences":[{"text":"of curiosity's 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haven't got it out.","start":3104.405,"end":3105.865,"sentiment":"neutral","sentiment_score":-0.17901245823928288}],"sentiment":"neutral","sentiment_score":-0.1790336263568505,"channel":1,"num_words":23,"start":3098.965,"end":3105.865},{"sentences":[{"text":"Yeah.","start":3106.545,"end":3107.045,"sentiment":"neutral","sentiment_score":-0.03138098120689392}],"sentiment":"neutral","sentiment_score":-0.03138098120689392,"channel":0,"num_words":1,"start":3106.545,"end":3107.045},{"sentences":[{"text":"I'm pretty sure.","start":3107.82,"end":3108.7002,"sentiment":"neutral","sentiment_score":-0.020825644334157307},{"text":"So I suppose that it's just go to Chile.","start":3108.7002,"end":3110.8,"sentiment":"neutral","sentiment_score":-0.02808837675386005},{"text":"But, yeah, I'm not sure.","start":3110.86,"end":3113.2002,"sentiment":"neutral","sentiment_score":-0.07981592789292336},{"text":"Not 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back","start":3358.6602,"end":3358.98,"sentiment":"neutral","sentiment_score":0.03098870813846588}],"sentiment":"neutral","sentiment_score":0.03098870813846588,"channel":0,"num_words":2,"start":3358.6602,"end":3358.98},{"sentences":[{"text":"just","start":3358.875,"end":3359.19,"sentiment":"neutral","sentiment_score":0.023928195238113403}],"sentiment":"neutral","sentiment_score":0.023928195238113403,"channel":1,"num_words":1,"start":3358.875,"end":3359.19},{"sentences":[{"text":"for that one.","start":3358.98,"end":3359.72,"sentiment":"neutral","sentiment_score":0.029897352680563927}],"sentiment":"neutral","sentiment_score":0.029897352680563927,"channel":0,"num_words":3,"start":3358.98,"end":3359.72},{"sentences":[{"text":"sorry?","start":3360.39,"end":3360.89,"sentiment":"neutral","sentiment_score":0.007773694582283497}],"sentiment":"neutral","sentiment_score":0.007773694582283497,"channel":1,"num_words":1,"start":3360.39,"end":3360.89},{"sentences":[{"text":"I'll pat myself on the back for that","start":3361.46,"end":3362.9001,"sentiment":"neutral","sentiment_score":0.025178265757858753}],"sentiment":"neutral","sentiment_score":0.025178265757858753,"channel":0,"num_words":8,"start":3361.46,"end":3362.9001},{"sentences":[{"text":"Yeah.","start":3362.8699,"end":3363.27,"sentiment":"neutral","sentiment_score":0.02020055428147316}],"sentiment":"neutral","sentiment_score":0.02020055428147316,"channel":1,"num_words":1,"start":3362.8699,"end":3363.27},{"sentences":[{"text":"one.","start":3362.9001,"end":3363.4001,"sentiment":"neutral","sentiment_score":0.016611915081739426}],"sentiment":"neutral","sentiment_score":0.016611915081739426,"channel":0,"num_words":1,"start":3362.9001,"end":3363.4001},{"sentences":[{"text":"No.","start":3363.27,"end":3363.5898,"sentiment":"neutral","sentiment_score":-0.013886511325836182},{"text":"You should because yeah.","start":3363.5898,"end":3364.55,"sentiment":"neutral","sentiment_score":0.0005203075706958771},{"text":"No.","start":3364.55,"end":3364.71,"sentiment":"neutral","sentiment_score":-0.015457803383469582},{"text":"Because it was like it was pretty touch and go for a while there,","start":3364.71,"end":3368.0898,"sentiment":"neutral","sentiment_score":0.04608793729650123}],"sentiment":"neutral","sentiment_score":0.030898401886224745,"channel":1,"num_words":20,"start":3363.27,"end":3368.0898},{"sentences":[{"text":"Yeah.","start":3368.42,"end":3368.92,"sentiment":"neutral","sentiment_score":0.14471057057380676}],"sentiment":"neutral","sentiment_score":0.14471057057380676,"channel":0,"num_words":1,"start":3368.42,"end":3368.92},{"sentences":[{"text":"and then it all sort of went well.","start":3368.95,"end":3370.97,"sentiment":"neutral","sentiment_score":0.32755378633737564},{"text":"And yeah.","start":3371.51,"end":3372.15,"sentiment":"neutral","sentiment_score":0.20004507154226303},{"text":"So now I'm just sort of like I know that if I don't know.","start":3372.15,"end":3376.735,"sentiment":"neutral","sentiment_score":0.1863929336624486},{"text":"If I can make something work now, I'm moving into the future, then I can sort of, like, you know, make the most out of everything.","start":3376.735,"end":3383.155,"sentiment":"neutral","sentiment_score":0.2179332937185581},{"text":"You know?","start":3383.215,"end":3383.875,"sentiment":"neutral","sentiment_score":0.059826914221048355}],"sentiment":"neutral","sentiment_score":0.2195373263496619,"channel":1,"num_words":52,"start":3368.95,"end":3383.875},{"sentences":[{"text":"Yeah.","start":3384.2,"end":3384.68,"sentiment":"neutral","sentiment_score":0.010283746756613256},{"text":"No.","start":3384.68,"end":3385.0,"sentiment":"neutral","sentiment_score":-0.023489467799663544},{"text":"Absolutely.","start":3385.0,"end":3385.5,"sentiment":"neutral","sentiment_score":0.02690027467906475}],"sentiment":"neutral","sentiment_score":0.004564851212004821,"channel":0,"num_words":3,"start":3384.2,"end":3385.5},{"sentences":[{"text":"Yeah.","start":3385.055,"end":3385.555,"sentiment":"neutral","sentiment_score":0.022322244942188263}],"sentiment":"neutral","sentiment_score":0.022322244942188263,"channel":1,"num_words":1,"start":3385.055,"end":3385.555},{"sentences":[{"text":"No.","start":3386.1199,"end":3386.6199,"sentiment":"neutral","sentiment_score":0.018029721453785896}],"sentiment":"neutral","sentiment_score":0.018029721453785896,"channel":0,"num_words":1,"start":3386.1199,"end":3386.6199},{"sentences":[{"text":"Yeah.","start":3386.415,"end":3386.915,"sentiment":"neutral","sentiment_score":0.13067926466464996}],"sentiment":"neutral","sentiment_score":0.13067926466464996,"channel":1,"num_words":1,"start":3386.415,"end":3386.915},{"sentences":[{"text":"Perfect.","start":3386.7598,"end":3387.2598,"sentiment":"neutral","sentiment_score":0.3245188593864441},{"text":"Alright.","start":3387.5598,"end":3387.88,"sentiment":"neutral","sentiment_score":0.2926065921783447},{"text":"Well, I'll get cracking on this.","start":3387.88,"end":3389.5598,"sentiment":"positive","sentiment_score":0.35830078025658924},{"text":"You'll have an email from me in a little bit, and we can go from there.","start":3389.5598,"end":3393.3398,"sentiment":"neutral","sentiment_score":0.19773693662136793}],"sentiment":"neutral","sentiment_score":0.2471133799602588,"channel":0,"num_words":24,"start":3386.7598,"end":3393.3398},{"sentences":[{"text":"Alright.","start":3393.75,"end":3394.15,"sentiment":"neutral","sentiment_score":0.28274044394493103},{"text":"Well, thank you very much for that.","start":3394.15,"end":3395.35,"sentiment":"positive","sentiment_score":0.614836756672178},{"text":"I appreciate it.","start":3395.35,"end":3396.33,"sentiment":"positive","sentiment_score":0.6092714071273804}],"sentiment":"positive","sentiment_score":0.5831283601847562,"channel":1,"num_words":11,"start":3393.75,"end":3396.33},{"sentences":[{"text":"No.","start":3396.2808,"end":3396.5208,"sentiment":"positive","sentiment_score":0.3415508270263672},{"text":"It's absolutely my pleasure, Jesse.","start":3396.5208,"end":3397.8008,"sentiment":"positive","sentiment_score":0.5781001925468445},{"text":"Thank you so much.","start":3397.8008,"end":3398.7808,"sentiment":"positive","sentiment_score":0.6519301533699036}],"sentiment":"positive","sentiment_score":0.5839772403240204,"channel":0,"num_words":10,"start":3396.2808,"end":3398.7808},{"sentences":[{"text":"Yeah.","start":3398.87,"end":3399.37,"sentiment":"neutral","sentiment_score":0.23261815309524536},{"text":"Bye.","start":3399.43,"end":3399.93,"sentiment":"neutral","sentiment_score":0.1732078492641449}],"sentiment":"neutral","sentiment_score":0.20291300117969513,"channel":1,"num_words":2,"start":3398.87,"end":3399.93},{"sentences":[{"text":"Bye.","start":3400.4407,"end":3400.9407,"sentiment":"neutral","sentiment_score":0.09020590037107468}],"sentiment":"neutral","sentiment_score":0.09020590037107468,"channel":0,"num_words":1,"start":3400.4407,"end":3400.9407}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses their investment options and financial situation with a customer named Jesse. They discuss their desire to build a house and their retirement plans and property ownership. The speaker emphasizes the importance of maintaining liquidity and maintaining a strong financial position, as well as the importance of considering taxable income and potential investments. They also discuss their investment strategy and emphasize the need for flexibility and willingness to put money on the market. The speaker emphasizes the importance of balancing risk and reward for optimal returns, as well as the importance of considering the risk reward of investing in stocks. They also discuss their investment portfolio and the importance of insurance and the possibility of buying a house. The speaker provides contact information for various individuals and promises to send an email and video conference call to discuss further."},"intents":{"segments":[{"text":"was pleasantly surprised when the girls told me that you had contacted. Yeah.","start_word":29,"end_word":41,"intents":[{"intent":"Check case status","confidence_score":0.00007052849}]},{"text":"I feel privileged. So thank you for reaching out. It No.","start_word":337,"end_word":347,"intents":[{"intent":"Express gratitude","confidence_score":0.028546862}]},{"text":"Sort of just, like, seeing if the like, bit of potential is just to see if I could get financial advice, I guess, now. Yeah.","start_word":404,"end_word":428,"intents":[{"intent":"Seek financial advice","confidence_score":0.017213784},{"intent":"Determine if there is a potential investment","confidence_score":0.000006712324}]},{"text":"we've got sort of options, but so, like, we've it's sort of we're in a financial position where we've got this sort of lump of cash, but and we've just been given preapproval, but we're thinking about not buying a house and investing elsewhere Yep.","start_word":454,"end_word":498,"intents":[{"intent":"Evaluate options for investment","confidence_score":0.0007518166}]},{"text":"could be because, obviously, like so I'm living at Dads at the moment, so there's Yep. that. And just sort of like so we've got a deposit, and we're we're just me and my partner, it's sort of thinking about ways that we can sort of invest that elsewhere. Yep.","start_word":499,"end_word":548,"intents":[{"intent":"Consider investing elsewhere","confidence_score":0.27583408}]},{"text":"to talk to someone about options, ideas, and concepts we can do to move forward.","start_word":620,"end_word":634,"intents":[{"intent":"Discuss options","confidence_score":0.7923326}]},{"text":"And just sorta sorta to hold on and preserve that money potentially while we're in, like, a good position so then we can eventually buy later or grow it a little bit and then, you know, go from there. No.","start_word":636,"end_word":675,"intents":[{"intent":"Preserve money","confidence_score":0.31165347}]},{"text":"So let's let's start with the basics, and we can build our way up. Let's start with, like, occupations and incomes, what Yeah. what we have asset wise, where we're living, what that looks like, what our costs are, and we can kind of build out a bit of a profile and a bit of a scope from there. Yeah.","start_word":678,"end_word":737,"intents":[{"intent":"Start building","confidence_score":0.14069593}]},{"text":"We we can talk about what our goals are, where we wanna head with everything. I mean, you've kind of laid it out a little bit anyway, but we can talk about where that looks, and and then I can start putting together a plan on how we proceed with everything and what Yeah.","start_word":739,"end_word":792,"intents":[{"intent":"Discuss goals","confidence_score":0.84982497},{"intent":"Start planning","confidence_score":0.3708502}]},{"text":"Are we married, de facto?","start_word":831,"end_word":835,"intents":[{"intent":"Decide marriage","confidence_score":0.018023755},{"intent":"Confirm partnership","confidence_score":0.18359217}]},{"text":"Now do with our incomes, up now. are we currently saving, and what do our expenses currently look like? Yeah.","start_word":1249,"end_word":1268,"intents":[{"intent":"Request information","confidence_score":0.020376947}]},{"text":"Are Probably we going to buy in the future, or is dad's house gonna become yours?","start_word":2005,"end_word":2020,"intents":[{"intent":"Plan future investments","confidence_score":0.002232868}]},{"text":"So if we invest the money, do we wanna be tax effective with it?","start_word":2656,"end_word":2669,"intents":[{"intent":"Assess investing options","confidence_score":0.0008828958}]},{"text":"We'll probably wanna keep it more liquid, I think, because if we Yep. do wanna end up buying, you know, in the next, say, few few years or whatever, Yep. we don't wanna be locked out of that money potentially.","start_word":2876,"end_word":2915,"intents":[{"intent":"Keep liquid asset","confidence_score":0.012829644}]},{"text":"I can always look at, I guess, like, property as a as a secondary option and see how that would affect everything. Yeah.","start_word":3076,"end_word":3098,"intents":[{"intent":"Determine future use of assets","confidence_score":0.0043718694},{"intent":"Determine future use of assets","confidence_score":0.1339711}]},{"text":"And the fact that our expenses are really low is definitely a positive. Can I ask how with the fact that our expenses are so low, what are we doing with that excess income?","start_word":3177,"end_word":3210,"intents":[{"intent":"Understand current status and expenses","confidence_score":1.10092444e-7}]},{"text":"So, of like, decent I'm savings. yeah. I'm putting away $500 a week, and so so is she. So, like, we're we're saving quickly, which is nice, but it's just going into a savings Cool. account.","start_word":3242,"end_word":3277,"intents":[{"intent":"Manage savings","confidence_score":0.0011717696}]},{"text":"So look at how we can possibly direct some of those savings towards wealth generation, Yep.","start_word":3598,"end_word":3613,"intents":[{"intent":"Direct savings","confidence_score":0.67962945}]},{"text":"and then look at making sure that you guys as as a foundation is set up.","start_word":3614,"end_word":3629,"intents":[{"intent":"Set up foundation","confidence_score":0.8695746}]},{"text":"And then, obviously, look at what you've kind of come to me for, which is looking at how we can invest that money and how we can be effective with it, how we can have a decent growth rate. 100%, we can we can gear in an investment. Yeah.","start_word":3664,"end_word":3712,"intents":[{"intent":"Plan investment","confidence_score":0.19366108}]},{"text":"I will look at, you know, where the property is an option for us because the negative gearing hasn't come into effect yet. It's proposed to come into effect next Wednesday, so theoretically speaking, if you were to purchase a house. No.","start_word":3720,"end_word":3761,"intents":[{"intent":"Discuss budget options","confidence_score":0.0004130184}]},{"text":"And until anything's in writing in legislation, it's still open for negotiation and currently, they're negotiating it.","start_word":3830,"end_word":3846,"intents":[{"intent":"Negotiate options","confidence_score":0.113355994}]},{"text":"Anyway, how familiar are you with investment markets? So do you understand how investment markets work? Do you like, are you comfortable with with your investment knowledge?","start_word":4613,"end_word":4639,"intents":[{"intent":"Discuss investment markets","confidence_score":0.07003162}]},{"text":"Now go with respect to taking on a loan, have you ever considered back borrowing money to invest in stocks on. before? Yes. Yes.","start_word":5377,"end_word":5400,"intents":[{"intent":"Discuss investment options","confidence_score":0.057562232}]},{"text":"the loan, and it's bad for your credit rating and all the rest of the fun stuff. Yep.","start_word":5578,"end_word":5595,"intents":[{"intent":"Explain loan options","confidence_score":0.047976315}]},{"text":"And I don't know if I've ever explained this to you previously, but when it comes to investing, there is there is the it's it's called it's called the FAA. So it's the strategic asset allocation. So it's basically where the money sits, whether on the market or off the market.","start_word":6191,"end_word":6241,"intents":[{"intent":"Explain faa's strategy","confidence_score":0.00007333617}]},{"text":"If we were to, say, put $60 in the market and $40 out, it would mean that we are a bit more of a a conservative investor because we're holding back some of our funds to keep a conservative conservative No. feeling. Yep.","start_word":6266,"end_word":6308,"intents":[{"intent":"Discuss investing options","confidence_score":0.010415512}]},{"text":"not going for investment managers that are brand new, and we have no idea what what they, you know, are offering Yep. because we don't wanna put the additional risk on our clients to going and and chasing down something new and random. Yeah.","start_word":6930,"end_word":6973,"intents":[{"intent":"Discuss investment strategies","confidence_score":0.035633717}]},{"text":"so what I do from here is I will send you both an email requesting documents.","start_word":7274,"end_word":7289,"intents":[{"intent":"Request documents","confidence_score":0.7679074}]},{"text":"And then if you can get me the preapproval for the loan, that would be great because that just gives me a budget summary. It would also give me what your loan approval rate is because they have your credit rating, everything like that. I Okay. can make Yeah.","start_word":7322,"end_word":7370,"intents":[{"intent":"Get loan approval","confidence_score":0.39463323}]},{"text":"Outside of that, and I will just double check, I I have your email address at jesse jessethomasrichards@gmail.com. Yeah.","start_word":7551,"end_word":7569,"intents":[{"intent":"Use email address","confidence_score":0.000019998295}]},{"text":"Would you like me to email Keeley as well to put the request to both of you?","start_word":7570,"end_word":7586,"intents":[{"intent":"Put request","confidence_score":0.044329133}]},{"text":"And I can organize a time to call and speak to her just to go through the risk profile, introduce myself, and make sure that everything aligns.","start_word":7588,"end_word":7614,"intents":[{"intent":"Schedule call to talk to kaylee","confidence_score":0.0002909335}]},{"text":"I'll give you her email. Perfect.","start_word":7636,"end_word":7641,"intents":[{"intent":"Give email","confidence_score":0.13675451}]},{"text":"you about is insurance. So whilst investments are all happy days and everything, I don't need to probably tell you how insurance works because Yeah.","start_word":7812,"end_word":7836,"intents":[{"intent":"Inquire about insurance coverage","confidence_score":0.0026479687}]},{"text":"Personal insurance So really is what it's about. yeah.","start_word":7967,"end_word":7975,"intents":[{"intent":"Discuss personal insurance","confidence_score":0.13697353}]},{"text":"I mean TBD is a big one. yeah.","start_word":8035,"end_word":8042,"intents":[{"intent":"Discuss tbd","confidence_score":0.31319624}]},{"text":"Can I ask, in terms of relationship to factor partners, whatever we wanna call it, Yeah.","start_word":8114,"end_word":8129,"intents":[{"intent":"Discuss relationship to partners","confidence_score":0.16135003}]},{"text":"So what I'll do is I will put together an email to send to you both this evening, and it'll just be a request for you to send through documents.","start_word":8539,"end_word":8568,"intents":[{"intent":"Send documents","confidence_score":0.6099123}]},{"text":"More than happy to communicate over email if you have any questions, queries, concerns, or anything to add. Yeah. Yeah.","start_word":8615,"end_word":8634,"intents":[{"intent":"Communicate over email","confidence_score":0.07589353}]},{"text":"And then, generally speaking, two to three weeks to get everything together to come back and chat. When we chat, we can do a video conference call if you want. So that way we can, you know, face to face or we can just do a joint call with the three of us. That's fine too.","start_word":8636,"end_word":8691,"intents":[{"intent":"Schedule call","confidence_score":0.20149727}]},{"text":"And then, generally speaking, two to three weeks to get everything together to come back and chat. When we chat, we can do a video conference call if you want. So that way we can, you know, face to face or we can just do a joint call with the three of us. That's fine too. Yeah.","start_word":8636,"end_word":8692,"intents":[{"intent":"Inform about work schedule","confidence_score":0.000086000444}]},{"text":"I can be pretty flexible with my hours. I can start anywhere from 6AM and finish anywhere till 7PM.","start_word":8698,"end_word":8716,"intents":[{"intent":"Offer flexibility","confidence_score":0.046566576}]},{"text":"I was excited. Yeah.","start_word":8756,"end_word":8759,"intents":[{"intent":"Express gratitude","confidence_score":0.0959056}]},{"text":"And we understand that that's you know, I don't take personal phone calls while I'm at work, so I get it completely. Yeah.","start_word":8827,"end_word":8849,"intents":[{"intent":"Understand situation","confidence_score":0.0006623261}]},{"text":"We can meet at, you know, five, 05:30, and we can go through everything at five, 05:30, and we just you guys can sit down at the dinner table and have a drink and have dinner, Yeah.","start_word":8863,"end_word":8899,"intents":[{"intent":"Coordinate meetings","confidence_score":0.00248335}]},{"text":"And, obviously, like, it's been structured in such a way that it's been, like, growing.","start_word":9232,"end_word":9246,"intents":[{"intent":"Evaluate structure","confidence_score":0.005979283}]}]},"sentiments":{"segments":[{"text":"Hello. Jessica speaking. Hi, Jesse. Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1486581712961197},{"text":"Good.","start_word":13,"end_word":13,"sentiment":"positive","sentiment_score":0.4616817831993103},{"text":"How are you?","start_word":14,"end_word":16,"sentiment":"neutral","sentiment_score":0.3209717869758606},{"text":"Really good. Thank you. Oh, I'm good.","start_word":17,"end_word":23,"sentiment":"positive","sentiment_score":0.5026203989982605},{"text":"Hang on I one second. was pleasantly surprised when the girls told me that you had contacted. Yeah. No. Yeah. I I looked you up, and I was like, yeah. Sweet. Because, yeah, because, obviously, like, it was very easy to deal with you previously. And, yeah, I was sort of just seeing if I could get some finance Yeah. advice, basically. Yeah. Yeah. Absolutely. Can I ask? Because it's been, like, a good eighteen months, Yeah. and I have been racking my brain for the last two What? weeks. Because, like, Who I this am? no. No. No. No. I literally, the girl turned around. They're like, do you remember a client by the name of Mark Bridges? I was like, a 100 son was Jesse. Jesse's Yeah. maybe in his thirties, if I remember correctly. Oh, I'm like yeah. Late I'm like, late twenties. Come on. oh, good. Good. I Yeah. was Yeah. like I was like, Mark was I'm like, I didn't I did a claim with Mark, and then I've been racking my head trying to figure out what happened with dad for the last two weeks. How is he going? Yeah. That's good. Dad's Okay. in care now. So he's he's in a supported independent Yep. living home, which is just up the road really from where he was. But, yeah, he's he's good. He's Yeah. obviously, like, deteriorated, but, yeah, obviously, with Alzheimer's and that. But yeah. But he's good. I mean, everything's pretty in order for him, to be honest, which Yeah. is Because you guys have been dealing with Diogo. great. Well, yeah, sort of. I haven't really been contacted at all by those guys. So that's why I came to you because I Yeah. was like, yeah. I feel like yeah. Yeah. I don't know. They've sort of let it slip. So yeah.","start_word":24,"end_word":335,"sentiment":"neutral","sentiment_score":-0.0002486607573257807},{"text":"Absolutely. I feel privileged. So thank you for reaching out.","start_word":336,"end_word":345,"sentiment":"positive","sentiment_score":0.5929577350616455},{"text":"It No. was No. pleasant surprise, and I remembered I remembered everything. That's It's always good. kind of a bit of a shambles when you don't have access to file notes and Yeah. Yeah. Yeah. No. No. That's all yeah. It's not all good. But yeah. No. All of that side of things is good. So it's yeah. Sort of just, like, seeing if the like, bit of potential is just to see if I could get financial advice, I guess, now. Yeah. But it's Absolutely. sort of yeah. So Yeah. I'm in a I'm in a bit of a, like, an interesting sort of position where Okay. we've got sort of options, but so, like, we've it's sort of we're in a financial position where we've got this sort of lump of cash, but and we've just been given preapproval, but we're thinking about not buying a house and investing elsewhere Yep. could be because, obviously, like so I'm living at Dads at the moment, so there's Yep. that. And just sort of like so we've got a deposit, and we're we're just me and my partner, it's sort of thinking about ways that we can sort of invest that elsewhere. Yep. Okay. Cool. Yeah. So either, Mhmm. like, you know, like ETFs or I don't know what. Like, we're we're open to options, but we just don't think that real estate's a good bet at the moment. We've actually Yeah. just gotten been given preapproval. Yeah. So we've got Always preapproval good to in know. our back pocket. Yeah. Yep. But, yeah, I don't know. I just yeah. Wanted Who knows? to talk to someone about options, ideas, and concepts we can do to move forward.","start_word":346,"end_word":633,"sentiment":"neutral","sentiment_score":0.0029820864632104835},{"text":"Exactly. Yeah.","start_word":634,"end_word":635,"sentiment":"positive","sentiment_score":0.3862655758857727},{"text":"And just sorta sorta to hold on and preserve that money potentially while we're in, like, a good position so then we can eventually buy later or grow it a little bit and then, you know, go from there. No. That's okay. So let's let's start with the basics, and we can build our way up. Let's start with, like, occupations and incomes, what Yeah. what we have asset wise, where we're living, what that looks like, what our costs are, and we can kind of build out a bit of a profile and a bit of a scope from there. Yeah. Yeah. We we can talk about what our goals are, where we wanna head with everything. I mean, you've kind of laid it out a little bit anyway, but we can talk about where that looks, and and then I can start putting together a plan on how we proceed with everything and what Yeah. it will look like in the long term. Yeah. No. That's that's not a problem.","start_word":636,"end_word":807,"sentiment":"neutral","sentiment_score":0.2261989414691925},{"text":"Yeah. That that would be good. Cool.","start_word":808,"end_word":814,"sentiment":"positive","sentiment_score":0.45396319031715393},{"text":"Yeah. Maybe you wanna It begin. and your partner's Keely? Yeah. Keely. Yeah. Keely Cool. Flynn. Are we married, de facto? We're defacto, Yep. I suppose. I guess that's what it is. Yeah. Yeah. It's just funny. I don't know. Defacto sounds funny. It's like an I Yeah. don't know. Anyway, yeah, Defacto. We're Yeah. we're part we're partnered. We're partnered. That's Yeah. it. That's it. But yeah. No. Yeah. Obviously, we were gonna buy a house, so we went through all that process together and all that stuff. So, Yes. yeah, we're just trying to build and prepare. But, yeah, we're we're actually both teachers. So we're both yeah. I'm full time, and she's casual, but we're sort of both sort of early career Perfect.","start_word":815,"end_word":940,"sentiment":"neutral","sentiment_score":0.07392461515135235},{"text":"So that's okay.","start_word":941,"end_word":943,"sentiment":"positive","sentiment_score":0.4161895215511322},{"text":"So teachers. I will early career teacher, so are we school or early education? No. I'm I'm secondary. She's primary. Okay. Cool. Yep. Do you have, I I guess, a a field that you specifically teach? Science. Yeah. Love. Yeah. And then primary. Cool. Alright. Incomes for both of us. Yeah. So I'm on 91 k a year at the moment, Perfect. but that's just, like, first year income. And then she like, obviously, she's casual, but she's probably working I would say she's probably on, like, $80.80 to 85 k a year, all depending on how much she works on the second half of the year. But she's been pretty Yep. much working every day. Like, there's so much demand for it, and she's Yep. just about to go on contracts too.","start_word":944,"end_word":1076,"sentiment":"neutral","sentiment_score":0.07909765094518661},{"text":"So Perfect.","start_word":1077,"end_word":1078,"sentiment":"positive","sentiment_score":0.36829742789268494},{"text":"Alright. Cool. And employer, Education Queensland or yeah. private? No. I'm in New South Wales, so Oh, I'm sorry. Yep. I'm actually employed by the Catholic Education Diocese of Wollongong, it's called. Okay. Catholic. Yeah. So it's just like a the cat sort of Catholic system. Yep. And she's she's New South Wales Department of Education. Yep. Yeah. And then do either of our employers have any specific employer bargaining agreements or EBAs or contract specific, so additional wages paid for anything outside of the norm over time, No. I don't think so. higher superannuation rates to the standard 12%. I'm not a 100% sure, to be honest. I'll have to I'll have to No. That's okay. I I can check. always look up the EBAs for both of them, Yeah. or we can go with the easier option of if you guys send me a payslip, I can Yeah. look I at can it and do calculate that. it. Yeah. Yeah. Yeah.","start_word":1079,"end_word":1241,"sentiment":"neutral","sentiment_score":-0.025235528126358982},{"text":"I'm actually just pulling them Cool. Amazing. Now do with our incomes, up now.","start_word":1242,"end_word":1255,"sentiment":"positive","sentiment_score":0.4931727945804596},{"text":"are we currently saving, and what do our expenses currently look like? Yeah. So our expenses are super low. Mhmm. So I'm so because I've got it set up, so I'm basically paying utilities at dad's because I'm actually repairing his house, trying to make his asset better. Yep. So I'm we're we're we're basically paying just utilities, so that's pretty much where is it? What am I paying? $1.20 a week, Okay. which covers, like, Wi Fi, electricity, water, gas, all of that. And then I'm obviously doing maintenance on the house, which doesn't really factor into any of it. But and then there's, like, phone bills and stuff that expensive. I should just send you the whole preapproval documents. Yes.","start_word":1256,"end_word":1377,"sentiment":"neutral","sentiment_score":0.0654975175857544},{"text":"That actually works nicely.","start_word":1378,"end_word":1381,"sentiment":"positive","sentiment_score":0.46798640489578247},{"text":"Yeah. You can 100% send that. Yeah. Yeah. I'll see if I can do that. I can send you an email out at the end of the meeting and just itemize Yeah. Sorry. everything I anyway. just got out of a work meeting, and I'm like, my brain's fried from You're today. you're so fine. But I'll send yeah. you an email at the end, and I'll just ask for anything that I might need. Yep. And we can and you can just email it to me when you have a little bit more brain and maybe when you Yeah. sit down with a beer or a coffee or Yeah. Yeah. Yeah. choice of poison Yep. and go from there. Definitely. So Definitely. assets and liabilities wise, do either of you individually or joint have any debts, credit cards, or loans? No. No. Fantastic. Nothing. And Yeah. asset wise, what do we have to our names? Like, also Cars, nothing. boats, jet skis, Yeah. We've got collectible. we both have we both have cars. I don't know, really. Like, just the usual. I don't know. I said I've got snowboards and all that sort of stuff. Yep. I don't know. I'd have No. to That's add okay. it all up and have a What think, type but of what type of car do you drive? just the Subaru Forester, it's probably worth, like, $7. What year, Keeping model? expenses low, 2,012. Cool. I can red book look that up. And what's Kealey's car? Like a high end r 20. I think that's 2012 as well.","start_word":1382,"end_word":1646,"sentiment":"neutral","sentiment_score":0.025592069229427375},{"text":"Perfect.","start_word":1647,"end_word":1647,"sentiment":"positive","sentiment_score":0.4296181797981262},{"text":"Alright. Keeping I it can humble. look up yeah. That's fine. I rolled around in a '94 Toyota Corolla for the better part of two decades.","start_word":1648,"end_word":1673,"sentiment":"neutral","sentiment_score":0.1949980854988098},{"text":"Good.","start_word":1674,"end_word":1674,"sentiment":"positive","sentiment_score":0.441899687051773},{"text":"So I'm not judging. I'm I'm we're fine. Alright. Now at your age, I'm expecting we haven't been bankrupt or declared any debt agreements, anything like that. No. Cool. Aside from the physical assets, we obviously have a bit of home and contents, Yeah. snowboards as you said, Yeah. bank assets, so actual financial assets. Do we have any shares, and what kind of money do we have in the bank at the moment that is set aside for the deposit? So I've got 30 k in my bank at the moment, and Keeley's got that. That's the same, 30 k plus, and then she's got another she's got another, like, $15 in ETFs. I think it's mainly, like, Vanguard, stuff like that. K. So that's yeah. Everything's sort of been pulled out because it was ready to go for to buy a house. Yep. But yeah. But yeah. As I said, just seeing if what we should do instead. Yep. No. Because initially, we were just gonna That's use an abused first time buyers okay. and then Yep. turn it turn it straight into a rental after twelve months sort of thing. Yep.","start_word":1675,"end_word":1868,"sentiment":"neutral","sentiment_score":-0.02877240628004074},{"text":"But now, like, obviously, with all the budget and stuff, it's all turned to shit, and we were like, maybe not.","start_word":1869,"end_word":1889,"sentiment":"negative","sentiment_score":-0.3577020764350891},{"text":"Yep. So yeah. Negative gearing going Yeah. on the wayside. So, like, we're gonna we're gonna use all that, and and, unfortunately, it sort of threw everything out the window. So now that's why that's why I'm on the phone to you, I guess. Fair enough.","start_word":1890,"end_word":1935,"sentiment":"neutral","sentiment_score":-0.20388778785000675},{"text":"Absolutely.","start_word":1936,"end_word":1936,"sentiment":"positive","sentiment_score":0.4233640432357788},{"text":"Okay. So we've basically got $60 or 75. We consider the ETFs that are sitting there as well. Mhmm. Now if if we were to invest that money or do something with it, what would be the time frame that we wanna access those funds? What would be, I guess, the the the goal of those that that money? Is it just set aside for a rainy day? Are Probably we going to buy in the future, or is dad's house gonna become yours? so that's the other thing too is, like, that's gonna be sort of I'm I'm expecting that as well. But, also, I think we wanna grow.","start_word":1937,"end_word":2046,"sentiment":"neutral","sentiment_score":0.1598302572965622},{"text":"We wanna we wanna try and grow it.","start_word":2047,"end_word":2054,"sentiment":"positive","sentiment_score":0.33441394567489624},{"text":"So, like, investment, obviously. Yeah. We we wanna basically preserve like, we don't wanna we don't want it to blow it and go and, like, spend it all. Yep.","start_word":2055,"end_word":2083,"sentiment":"neutral","sentiment_score":0.13711515069007874},{"text":"And we wanna just set it aside and and let it grow on its own, whether Yep.","start_word":2084,"end_word":2100,"sentiment":"positive","sentiment_score":0.3535195291042328},{"text":"that's, you know it's just sort of what type of investment's the best strategy for that. Yep. And time frame wise, we're pretty flexible. It could be a couple of years, so or it could be a couple years. It could be five years. It all depends. Again, like, it's pretty morbid, but, yeah, again, like, I will be expecting to inherit dad's place as well, and we It's do have somewhere to live in that long time anyway. term. Yep. Yeah. Exactly. Because yeah. Exactly. Because the house is just sitting there, and we're Is basically renting it. yeah. You you you're essentially renting it by paying the ongoing expenses of the property, So and that's yeah. fine. Exactly. And maintaining it and stuff. So Yep. yeah.","start_word":2101,"end_word":2228,"sentiment":"neutral","sentiment_score":0.12707781791687012},{"text":"So it's all it's all above board, and it's all good. Yeah. And So, that's absolutely fine. And it yeah, means that there's someone in the house, so it helps that out nobody's breaking windows and stuff, so that's good.","start_word":2229,"end_word":2268,"sentiment":"positive","sentiment_score":0.6143723130226135},{"text":"from exactly. But yeah. So so we're we're in a pretty sort of unique position, I suppose. Like, yeah, we don't have heaps and heaps of money, but we've we've we've got options to sort of grow it over the long term and make the wisest decisions for basically the next, like, you know, twenty, thirty years. Yeah. Hi. Can I ask? Because while I might remember some of dad's position, I don't remember all of Mhmm. it. Yeah. Yeah. Yeah. You're an only child? Yeah. That's right. Yeah. Cool. Yeah. I remember dad being single Yeah. I'll I'll with yeah. I mean, yep. So yep. you inherit everything. Do you know where finances sit for him? Just while I'm not gonna consider it overall, it is something that I do want to, I guess, consider as a background effect No. on Absolutely. what that looks like. See yeah. Exactly. Yeah. So I am primary I am a 100% beneficiary, everything Yes. like that. Like, I'll get everything houses fully paid off thanks to the insurance claims that we did, so that's all Yep.","start_word":2269,"end_word":2452,"sentiment":"neutral","sentiment_score":0.07276774197816849},{"text":"good. And, also, dad's got it's getting close to 300 k in super now because it's been growing, which is awesome.","start_word":2453,"end_word":2473,"sentiment":"positive","sentiment_score":0.36013373732566833},{"text":"Yeah. And, yeah, that's pretty much it. He's got a few assets here and there, but it's nothing substantial. It's just like a boat and a couple of cars now because everything's sort of been put into paying down his debts and doing Yeah.","start_word":2474,"end_word":2517,"sentiment":"neutral","sentiment_score":0.1616714745759964},{"text":"all that, which is really good.","start_word":2518,"end_word":2523,"sentiment":"positive","sentiment_score":0.46752092242240906},{"text":"So Yep.","start_word":2524,"end_word":2525,"sentiment":"neutral","sentiment_score":0.2519378066062927},{"text":"he's in a pretty tidy financial position, to be honest, which Good. is good, and everything sort of run through the NDIS.","start_word":2526,"end_word":2547,"sentiment":"positive","sentiment_score":0.38272032141685486},{"text":"So his expenses Yes. are low too. So, you know, like yeah. So I I would probably be looking at getting that stuff eventually. Yeah. Hopefully, a long time away, but, you know yeah. Yes. Cool. No. Absolutely. And, I mean, fingers crossed, he's able to, as awful as it sounds and as good as it sounds, burn through most of it so that way he can enjoy quality of life while Yeah. he's here. Exactly. Exactly. $300,000 sounds like a good twelve months in Europe. Just Yeah. Yeah. Yeah. It does. He might not remember it, but he will. That's it. Yeah. Cool. No. That's fine. Alright. So if we invest the money, do we wanna be tax effective with it? Because as you may know, anything that we like, cash in the bank incurs interest, interest goes on to your taxable income, Yep. so on and so forth. Yep. Cash in the bank, when we're looking at, you know, $30 a pace, we're not really gonna be getting that much interest, so it's not gonna be affecting our taxable No. income that much. No. If we Yeah. invest it and we're then getting, say, 10% on that, it's Yeah. gonna start increasing everything. Realistically, it doesn't affect us until we start selling assets, which is where Yeah. capital gains tax comes into play. Yeah. But I just wanna sort of, I guess, look at it because there's a couple of options that we can look at. We can look at longer term, like, ten year investments that are tax paid. We're Yep. not gonna have it we're not gonna have any tax applicable Mhmm. if like, when we go to draw down in ten years' time. Or Yep. if we wanna leave it a little bit more liquid and have access in case something happens, Yeah. then we can look at, you know, like, a investment account, shares, stock options, Yeah. Yeah. ETFs, blah blah. We'll probably wanna keep it more liquid, I think, because if we Yep. do wanna end up buying, you know, in the next, say, few few years or whatever, Yep. we don't wanna be locked out of that money potentially. And I don't think Yep. it's a big enough amount to sort of be too fussy about. Like, we particularly with, like, you know, a ten year investment of 30 k. It's not gonna be, like, crazy. I mean, like, we we sort of wanna yeah. I mean, I'm happy to go aggressive and go Yeah. with the liquid. You know? Like, yes. That's the thing. See, we're sort of open to options. Like, we're we're open to even you know, we were sort of looking at investing in something that's, like, already positively geared, like something cheaper, like an apartment somewhere or whatnot. But then again, like yeah. We're just we're open to anything. We just sort of wanna maintain it, have it there, and then if we have to pull it back, we can sort of think. But, yeah, just sort of setting up for the future, I guess. Do you know what I Yeah. mean? Absolutely. Yeah. Yep. I can always look at, I guess, like, property as a as a secondary option and see how that would affect everything. Yeah. Utilizing, you know, rough estimates in terms of income and everything for the areas, you know, that you would purchase in. Yep. And if because you've already got preapproval, that kinda gives me an indication as to what our repayments, interest rates, and everything else are, so I'm not Yeah. having to go and do that homework. You've already kinda Yeah. done it for me, which is very Yeah.","start_word":2548,"end_word":3167,"sentiment":"neutral","sentiment_score":0.059194380501585625},{"text":"nice.","start_word":3168,"end_word":3168,"sentiment":"positive","sentiment_score":0.5427069067955017},{"text":"Yeah.","start_word":3169,"end_word":3169,"sentiment":"neutral","sentiment_score":0.32906588912010193},{"text":"You're welcome. Yes. Thank you. Thank you. And the fact that our expenses are really low is definitely a positive.","start_word":3170,"end_word":3189,"sentiment":"positive","sentiment_score":0.6273850798606873},{"text":"Can I ask how with the fact that our expenses are so low, what are we doing with that excess income?","start_word":3190,"end_word":3210,"sentiment":"neutral","sentiment_score":0.10863245278596878},{"text":"Because realistically speaking, on the wages that you guys are on, you are both earning a decent income.","start_word":3211,"end_word":3228,"sentiment":"positive","sentiment_score":0.3623809814453125},{"text":"I would Yeah. expect there to No. be We're some saving. kind Yeah.","start_word":3229,"end_word":3241,"sentiment":"neutral","sentiment_score":0.0785362645983696},{"text":"So, of like, decent I'm savings.","start_word":3242,"end_word":3247,"sentiment":"positive","sentiment_score":0.3973459005355835},{"text":"yeah. I'm putting away $500 a week, and so so is she.","start_word":3248,"end_word":3259,"sentiment":"neutral","sentiment_score":0.310055136680603},{"text":"So, like, we're we're saving quickly, which is nice, but it's just going into a savings Cool.","start_word":3260,"end_word":3276,"sentiment":"positive","sentiment_score":0.3837614953517914},{"text":"account. So it's you know what I mean? Like yeah. So, Yes. yeah, we are saving a fair bit. We're not just, like, blowing it. But we also are thinking, like, once we set this investment up, we're gonna continue working, but we're thinking about doing a bit of trouble next year as well. Yep. Yeah. Alright. So keeping it a little bit liquid so we can do some travel. That works. Yeah. But we're not gonna we're not gonna go into our investment at all. We're just Yep. gonna go from what we what we earn. You know what I mean? Yep. So pop put the money in the investment, create a bit of a savings buffer, and then utilize that to Exactly. Yeah. travel. Yep. Exactly. Okay. Yep. Travel plans, national or international? International. Okay. So Yeah. Yeah. anywhere from 10 to $30 depending on how extravagant extravagant we wanna go. Yeah. Probably. Yep. No. That's fine. Okay. So when I look at any kind of investment or profile, we follow a bit of a wealth cycle. So what we do is we kinda bring it back down to, like, the bottom and we build our way up. So what I would want to do is I would wanna look at not everything because, obviously, there's there's benefits Uh-huh. to looking at everything at once, but, also, there's a lot of it can become overwhelming. So I like to kind of, I guess, stage it a little bit and have a bit of a plan for, say, twelve months, two years, five years, ten years, Yeah. fifty Yep. years. What Yeah. I would wanna do for both of you is, I guess, look at, I guess, foundations is Yeah. a bit of a like, look at your savings, which you've you've outlined.","start_word":3277,"end_word":3580,"sentiment":"neutral","sentiment_score":0.07353093972625702},{"text":"They're obviously incredibly incredible because of the situation you're in, and that you are saving a lot. So look at how we can possibly direct some of those savings towards wealth generation, Yep.","start_word":3581,"end_word":3613,"sentiment":"positive","sentiment_score":0.6460416316986084},{"text":"and then look at making sure that you guys as as a foundation is set up. So look at your Yep. super, look at your insurances, and see whether there's anything we need to do there, see whether there there's any expenses that you're paying unnecessary Yeah. Yeah. and necessarily. And then, obviously, look at what you've kind of come to me for, which is looking at how we can invest that money and how we can be effective with it, how we can have a decent growth rate. 100%, we can we can gear in an investment. Yeah. I'm happy Yeah. to. Don't be wrong. I will look at, you know, where the property is an option for us because the negative gearing hasn't come into effect yet. It's proposed to come into effect next Wednesday, so theoretically speaking, if you were to purchase a house. No. I think There's it's a already in effect, isn't it? no. It it was Not wasn't it effective from the night of the budget? it's proposed to be possibly effective from, basically, the night of the budget if it goes through. Okay. Yeah. Right. Yeah. Right. Okay. But That's it also interesting. hasn't been approved yet. Yeah. Yep. Yep. So it's it's all proposed at this point. Right. And until anything's in writing in legislation, it's still open for negotiation and currently, they're negotiating it. Right. Okay. Yeah. Yeah. Yeah. Yeah. And So if it that does, could be it an option moving forward it anyway. Yeah. could Right. still be an option Yeah. because Yeah. they they have to get through they have I mean, don't be wrong. It's been a week since I've looked because I'm at the end of financial year, and I don't have a time to look at politicians. But last last time I I caught up on it, they were still very much in the lower house. So it's still a while away from being approved because Yeah. they have to get Yeah. through both houses. Yeah. Okay. Oh, it's good to keep So the options still an option that I can look at, open and then. we Yeah. can kind of float it and see. But I'll I'll definitely look at, like, IDPS or an investment account and see where that kind of lands us, what that looks like, and I can look at, you know, if we were invested for one year, two year, five year, ten years Yeah. and look at that. I will also show you what we can do with, say, that tax effective side of things, which doesn't result in you locking the money away. It just becomes tax effective after ten years. It's still liquid and still accessible. It's Okay. just Yep. it's just it gives us a little bit of options to sort of look into in the event that, well, hey. You know what? Buying a house isn't isn't what we wanna do.","start_word":3614,"end_word":4109,"sentiment":"neutral","sentiment_score":0.060404902534379114},{"text":"We're actually really comfortable staying at dad's and doing what Yeah.","start_word":4110,"end_word":4120,"sentiment":"positive","sentiment_score":0.35419484972953796},{"text":"we're Yeah. doing, fixing it up, then this is where we're just gonna be. Yeah. Okay. Yeah. It just kinda gives us those couple of options. So I'll look at it all and go from there. Yeah. But are you Yeah. comfortable for me to look at, like, your super your insurance? Consider that the savings we put away, like, I can look at you know, we can have it's called a, like, dollar cost averaging, Yeah. like, savings plan where we, you know, put money into that into that Yeah. investment to Yeah. keep it safe. Obviously, I'm not gonna be putting a thousand dollars in, 500 from each of you. That's ridiculous, and you need to be able to still save towards the holiday you wanna do with any improvements to the house and everything. Yeah. Yep. But I can have a little bit of a savings system there to continue compounding that that asset Uh-huh. Yep. and look it that way? Yep. Yep. No. For sure. Okay. Cool. Yep. So what I would like to ask that is the wrong one. Why did I open that? Oh, well. Now I'm moving too. What I wanted to ask was Yep. a couple of really obscure questions. Mhmm. And it's just to, I guess, get a little bit more of a gauge on how you would invest and what your risk appetite is. Mhmm. Yep. Realistically, I probably need to speak to Kelly and Right. ask The her boss. these same Yeah. really obscure questions, and I'm happy to talk to her at any time. That's fine. Yeah. Yeah. But there's, like, 14 questions. They're really obscure, Yeah. but it opens conversation. That's all Yeah. they're supposed to do. Yeah. So question one is how would you rate your willingness to take on financial risk? So would you say that at this stage in your life, you're actually really willing to take on financial risk, that you're comfortable like, you're you're comfortable to take on risk. You'd count yourself as a Seven. pretty high you're a high risk taker. Wow. Like, moderately high. Yep. I mean, like, I'm a lot because of we're in such, like, a fortunate position, we have the option to take more risk, I suppose. Yeah. You know? Like, it's also not a lot of money that we're investing initially. Yeah. So, yeah, I would say seven out of 10. Yeah. Okay. Per risk. Cool. I think I remember these questions about that. You probably they're all a little bit different. They all get asked in in different ways. But, yeah, everyone every financial firm will have, like, a risk questionnaire Yeah. to kind of gauge how Yeah. things roll for each individual. Yeah. They're Well, always yeah. different, and I've worked for a few companies, and it's always fun to I mean, they were wrong. I got to help write this one, so that was fun. Anyway, how familiar are you with investment markets? So do you understand how investment markets work? Do you like, are you comfortable with with your investment knowledge? Do you feel as though you're a bit of Yeah. a a noob or No. I'm comfortable with my investment knowledge. Yep. cool. How would you describe your experience and understanding of investment markets? So have have you ever invested before? Yeah. Yes. Cool. I have. And when you invested, was it a positive or negative experience? Both. Yep. I've Absolutely. had positive and negative experiences. Yep. So you kind of learn risk and reward Yeah. that they they balance each other out. Yeah. Yeah. Yeah. Yeah. Cool. Can I ask what do we invest in? I was investing in some sort of, like, small cap mining stocks Yep. for a bit, and I was also investing in, like, your big your big, like, your VAS, your DHHF, like, and then Nasdaq. Yep. Yep. A few bits and pieces over in The States, but mainly big ETFs. And then I had a really good run, and then I cashed out. Yeah. And We but liquidated. it wasn't a lie. It was just like a lot. Yeah. I mean, it Yeah. was like yeah.","start_word":4121,"end_word":4822,"sentiment":"neutral","sentiment_score":0.06684338309380233},{"text":"It was a good yeah.","start_word":4823,"end_word":4827,"sentiment":"positive","sentiment_score":0.3975375294685364},{"text":"I think I made, like, 18%, and then I was like, right. I'm out. And then You're like, yeah. I'm happy. But it wasn't a lot of money. Yeah.","start_word":4828,"end_word":4856,"sentiment":"neutral","sentiment_score":0.193795308470726},{"text":"But, yeah, it was good. That's okay.","start_word":4857,"end_word":4863,"sentiment":"positive","sentiment_score":0.43522754311561584},{"text":"It doesn't have to be a lot of money to feel a win. Yeah. Now question speaks to two different investments. I'm looking at two different investments. One's the personalized assets. The other is, like, it's just superannuation because I'll I will look at everything.","start_word":4864,"end_word":4908,"sentiment":"neutral","sentiment_score":0.12712956964969635},{"text":"Obviously, your superannuation, you are ten years away from touching.","start_word":4909,"end_word":4918,"sentiment":"negative","sentiment_score":-0.3744790852069855},{"text":"Mhmm. Well, more way more than ten years. Way You are more. Way way, way more. more. Yeah. I'm 28. Yeah. Yeah. Sub 30. Oh, I remember that. Yeah. With your investments, we said probably something towards the two to five. Yeah. Investments. What do you mean? Like, Oh, two you're to like, five years. yeah, two to five years before we possibly could access that, like, Yep. the invested Yep. yeah. Cool. Probably two probably two at minimum two at minimum. I mean, two yeah. Yeah. Two. Yeah. 2 Two is at two good. at minimum. Yeah. Two a minimum. That's okay.","start_word":4919,"end_word":5021,"sentiment":"neutral","sentiment_score":0.002270566299557686},{"text":"Cool. Perfect.","start_word":5022,"end_word":5023,"sentiment":"positive","sentiment_score":0.4314342737197876},{"text":"And investments can obviously go up and down with volatility. How much of a drop in the investment before you get concerned? 20%. Cool. Direct.","start_word":5024,"end_word":5048,"sentiment":"neutral","sentiment_score":-0.08858232945203781},{"text":"I love.","start_word":5049,"end_word":5050,"sentiment":"positive","sentiment_score":0.4169790744781494},{"text":"How would you feel if after six months the portfolio had decreased by 20% and it was all due to general normal market trends, cyclical market? Fine. As long as it didn't get to 21%. I mean, I think that's the risk tolerance Yep. that Absolutely that fine. yeah.","start_word":5051,"end_word":5099,"sentiment":"neutral","sentiment_score":0.019266504794359207},{"text":"I think Perfect.","start_word":5100,"end_word":5102,"sentiment":"positive","sentiment_score":0.3392385244369507},{"text":"Now what kind of return and this is, I guess, more of a psychological question. What kind of return are you wanting out of the investment? 20%. As a percentage. No. No. I don't know. Probably, like, it depends on you know? I don't know what type of return. Yep. Anywhere from eight to a 100%. Fair. That Yeah. that's nothing less than eight.","start_word":5103,"end_word":5166,"sentiment":"neutral","sentiment_score":-0.032132357358932495},{"text":"I love Yeah.","start_word":5167,"end_word":5169,"sentiment":"positive","sentiment_score":0.3338658809661865},{"text":"it. I think, yeah, I think that that, you know, like, it just isn't just as long as we're beating, like, high interest savings account, I guess. But, also, like, if we're smashing a high interest savings account, that's even better. Absolutely. And definitely keeping up with inflation and all Yeah.","start_word":5170,"end_word":5220,"sentiment":"neutral","sentiment_score":0.18121306598186493},{"text":"the good things.","start_word":5221,"end_word":5223,"sentiment":"positive","sentiment_score":0.3628095388412475},{"text":"Yeah. Yeah. Yeah. Now how much risk are you willing to take to get the return you want? So are we wanting to go maximum returns regardless of the risk, understanding that risk and reward has, I guess, a a balancing act between the two of them? Yeah. I suppose this is a similar question. I mean, I would probably just go, like, six or seven out of 10, like, risk Yep. risk tolerance. I wouldn't go, like, full crazy. Otherwise, I'd just go rinse it through the pokies. But, you know, but, yeah, probably just, like, you know, moderately aggressive, but not, like, mental. Absolutely.","start_word":5224,"end_word":5329,"sentiment":"neutral","sentiment_score":0.023746978491544724},{"text":"Cool.","start_word":5330,"end_word":5330,"sentiment":"positive","sentiment_score":0.4027101993560791},{"text":"Now neither of these assets you wanna like, you're not wanting to have, like, a capital income, so you're like, the investment account, you're not wanting to to pay, like, dividends to you in cash. You wanna reinvest those. Not reinvest yet.","start_word":5331,"end_word":5372,"sentiment":"neutral","sentiment_score":-0.03249134123325348},{"text":"The Perfect. dividends Amazing.","start_word":5373,"end_word":5376,"sentiment":"positive","sentiment_score":0.5782060027122498},{"text":"Now go with respect to taking on a loan, have you ever considered back borrowing money to invest in stocks on. before? Yes. Yes. I have. Have you ever And done it? no. But that's that's another avenue that I wanted to discuss, I suppose, as an option, Yep. So, potentially. But no. I haven't. yeah, alright. So it's referred to as, like, leveraging. Yep. So we can 100% look at leveraging to be able to invest. Yeah. There's basically two different ways that you can do that, especially Yeah. when it comes to stocks. Well, a, an investment property is obviously one of them, but but when it comes to stocks specifically, there are two options. One is that you physically go and borrow money, Yeah. and, essentially, it is a very specific loan, and that loan has generally a twelve month period. At the twelve month period, you then pay the interest plus the original loan amount back after you liquidate the assets. Yeah. So that is option one. Yeah. It means that the entirety of the risk is personally on you Yeah. because you have to, irrespective, pay that loan back. Otherwise, you Mhmm. default on Mhmm.","start_word":5377,"end_word":5576,"sentiment":"neutral","sentiment_score":0.01713884063065052},{"text":"the loan, and it's bad for your credit rating and all the rest of the fun stuff.","start_word":5577,"end_word":5593,"sentiment":"negative","sentiment_score":-0.7585580348968506},{"text":"Yep. The other option is internally geared assets, which means that you put a $100 in, and what happens is that asset goes to the lender. They borrow money, and that could be leveraged anywhere from a 110% to a 160%. I'm sure there are more that are a little bit higher leverage, but, generally, I don't push it too further than a 140 to a 160 depending. Yeah. And what happens is they basically borrow the amount of money that's relevant to how how they leverage. They invest all of that money on your behalf, Yep. and from there, they have the obligation to pay the loan back. Right. Now what that means is, theoretically speaking, if you earn nothing from that, it goes backwards, you could Mhmm. end up pulling nothing back out, but you won't owe them anything. So there's Yeah. Right. no additional owing on that. Yeah. So the risk is less on you because you have the caveat of a investment manager. So, basically, Yeah. they take on that little bit of risk versus you taking on that risk Right. Yep. versus if you go direct to a lender, you are responsible for that loan. Yep. Okay. Interesting. The difference What's that is one is obviously called? What's that last one called? Is it a leverage so equity? it's just geared geared it's geared equities, geared assets. Yeah. Yeah. Yeah. So Okay. both Yeah. both of them are referred to as gearing, but it's just either personally leveraged or a geared asset. Right. Yeah. There are quite a few around that are available. Yeah. There are ones that are more trusted than others depending on the investment manager, but they they are Yeah. around. They are available on the ASX. They're available available internationally, and they are there to basically allow you to kind of take advantage of a bull and and and deal with and get you more money. It Yeah. has Okay. risk. I'm not saying it doesn't.","start_word":5594,"end_word":5928,"sentiment":"neutral","sentiment_score":0.02347082644701004},{"text":"On a down market, it hurts twice as bad. Yeah.","start_word":5929,"end_word":5938,"sentiment":"negative","sentiment_score":-0.5362114310264587},{"text":"But on an up up market, it obviously Yeah. No. is happiness. Yeah. Yeah. Okay. So Interesting. my question is, are we comfortable to borrow money to Okay. do such a thing? And under that caveat, are we wanting to borrow personally, or would we be more interested in geared like, internally geared assets? Yeah. Probably more so towards internally geared, but I'd have to talk to Keely. And it would Yeah. all depend if we went in together on it or if we went separate with it. But, like, I think that, like, we have talked about it. Yeah. It all depends, I guess. Yeah. Yeah. Yeah.","start_word":5939,"end_word":6046,"sentiment":"neutral","sentiment_score":-0.007649085950106382},{"text":"Absolutely. I'm okay with that.","start_word":6047,"end_word":6051,"sentiment":"positive","sentiment_score":0.44148361682891846},{"text":"Yeah. Yeah.","start_word":6052,"end_word":6053,"sentiment":"neutral","sentiment_score":0.30284547805786133},{"text":"We're, again, open open to the possibility of it.","start_word":6054,"end_word":6062,"sentiment":"positive","sentiment_score":0.395565927028656},{"text":"We Yep. have talked about investing, like, getting a lot, but very briefly about getting a loan to buy stocks rather than to buy real estate. But we didn't get into the nitty gritty of Yep. That's it. totally fair. Yep. It it is a large conversation to have and can Yeah. be Yeah. it Yeah. can be difficult to, I guess, assess without knowing the figures behind it. Yeah. Yeah. Yeah. Yeah. For sure. Okay. Nope. That's okay. So look. You you you you are an aggressive investor, and that's okay. The fact that you've even opened the conversation to consider borrowing money to invest already tells me that you are very much happy to take on risk, Yeah. but Yeah. there are layers to risk. Yeah. And I don't know if I've ever explained this to you previously, but when it comes to investing, there is there is the it's it's called it's called the FAA. So it's the strategic asset allocation. So it's basically where the money sits, whether on the market or off the market. Let's just take our $100. Okay? We put a $100 in the market. That means that we are fully invested in the market. If we were to, say, put $60 in the market and $40 out, it would mean that we are a bit more of a a conservative investor because we're holding back some of our funds to keep a conservative conservative No. feeling. Yep. Now, realistically, when we're looking at at investing a portion of money, generally, it's not gonna be a 100% of what we own. It's gonna be a portion that we're willing to give to that investment. So it's what within that investment holding are you willing to put on the market, and what are you willing not to. The Yeah. more you Sorry. put on the market, the better it is. Yeah. When I say it's not on the market, it's still generally on the market, but it's instead of being in, It's like, your cash instead of yeah. it's Is fixed it? in it's fixed interest or it's Yeah. high Okay. yield bonds or it's something that still earns a little bit, but you're earning But it's lower lower risk bit. correct. You're you're earning a, like, one or 2% over bank returns. Yeah. Right. It's not Yeah. we're not reaching for the stars here. We're we're just we're real conservative. Yeah. At your age, I wouldn't expect there to be a massive allocation to something like that, but Yeah. I we mean can also still take a little bit of a conservative position and have some of a cushion for if the market does take a bit of a turn because yeah. Trump's still doing this stuff and the Australian political Yeah. are still doing their stuff. So there's still some Yeah. uncertainty Yeah. everywhere. So with this with this, like, chunk of money that we have, Mhmm. we were, you know, we were looking to invest it in real estate regardless. Yep. Which But means I it's think a 100%. yeah. Exactly. I think so. I think well, like, the way that Keeley's sort of looking at it as well is she's got this lump of cash, and it's not doing anything. But then she's got the other bit in, like, ETFs and stuff anyway. Mhmm. So she's like, yeah. What could we do with it? I'm the same. Like, I as long as we've got a bit of a cash buffer with just that we have, we'll, like, we'll Yep. be okay. Yeah. Okay. Again, What do we're you consider?","start_word":6063,"end_word":6671,"sentiment":"neutral","sentiment_score":0.021807819592639537},{"text":"in a fortunate position.","start_word":6672,"end_word":6675,"sentiment":"positive","sentiment_score":0.4400864243507385},{"text":"So, yeah, I would say, yeah, I would probably say, like, a 100% willing, but, again, it's not like a crazy, crazy amount of money. Like, if it was, like, a million dollars, I'd be like, oh, okay. Maybe, like, 60 No. Yeah. percent. You Yep. know? But yeah. So yeah. So the second line to investing, so that's that's SA. Like, that's a strategic asset allocation. From there, you then have in in your assets, you have what's referred to as the beta and the alpha. We're getting a little technical, but They're an omega what two. Uh-huh. I wish. No. There's That not. would be cool. Yeah. No. There's a standard deviation, though, Yeah. which, you Boring. know, I figure, oh, come on. You're you're into science, so surely you're into math. No. Yeah. So what what the the beta and the alpha basically mean, it's how the asset is assessed against the benchmark. So something that has a low beta means that it costs less than the benchmark. Something that has a high alpha means that it's outperforming the benchmark. A standard deviation is basically a mix between the two of them against assets of the similar class. Now Right. when it comes to stock options at Oakview, we go with funds that are trusted. We go with funds that are reliable. We Yep.","start_word":6676,"end_word":6902,"sentiment":"neutral","sentiment_score":0.07438291609287262},{"text":"don't look for a brand new asset that's just come on the market and has a lot of risk because it's unknown.","start_word":6903,"end_word":6924,"sentiment":"negative","sentiment_score":-0.3966183662414551},{"text":"Yeah. We're not we're Yeah. not going for investment managers that are brand new, and we have no idea what what they, you know, are offering Yep. because we don't wanna put the additional risk on our clients to going and and chasing down something new and random. Yeah. Yeah. Yeah. We don't invest in crypto. We Yeah. in we can invest, and we do invest in companies that mine crypto, companies that create AI and algorithm for crypto mining because Yep. they Yep. generally, it's a side gig to something else that they do. Yeah. Yeah. The But we're not going and chasing, you know, specific cryptocurrencies unicorn. because, Yep. yeah, majority of them have melted and and burnt away anyway. Yep. It's not 2,013 anymore. Yeah. Right? Yeah. Yeah. Yeah. No. But yeah. No. That's fair. So while there's always risk in in investing, we're not adding an additional laser risk by going after something that has a risky alpha. We're not going after something that's costing an exuberant amount of money. We're not doing anything like that. We Yep. also review our portfolios at minimum 12 monthly, and we have a investment Yep. committee that includes BlackRock on Yep. it. Do you know who BlackRock is? Yeah. Yeah.","start_word":6925,"end_word":7135,"sentiment":"neutral","sentiment_score":-0.11372161656618118},{"text":"Fantastic.","start_word":7136,"end_word":7136,"sentiment":"positive","sentiment_score":0.39238959550857544},{"text":"Yeah. One less explanation Yeah. I have to do today. Yeah. Yeah. Yeah. So we have we have options when it comes to investing in those cases. Yeah. Okay. Now what I would need to be able to start going from here so, basically, after this conversation, what I would need is a probably to connect with Keeley at least for ten minutes would be great, Yep. Yep. which I can call her straight after this if if she's amenable to it. I think she's at the gym at the moment. But yeah. Fair. I wish I was at the gym. I I decided to I didn't.","start_word":7137,"end_word":7243,"sentiment":"neutral","sentiment_score":0.049198925495147705},{"text":"I woke up at 4AM, and one of my kids was crying with a headache.","start_word":7244,"end_word":7258,"sentiment":"negative","sentiment_score":-0.3661363422870636},{"text":"Oh, joy. I know. Outrageous. Have kids. It'll be fun. Maybe when So I'm rich. so what I do from here is I will send you both an email requesting documents. So what I would need Yep. is I need superannuation statements. I need, you know, I need to know what you're currently invested in. I need payslips for both of you. Yep. And then if you can get me the preapproval for the loan, that would be great because that just gives me a budget summary. It would also give me what your loan approval rate is because they have your credit rating, everything like that. I Okay. can make Yeah. a stab at it, but but Yeah. the preapproval gives me a much better indication. Yeah. Yeah. Yeah. From Yeah. there, what I will do is I go and do research. From that research, I come to you with my findings and or recommendations depending on what I find. Sometimes it can just be a follow-up conversation to say, hey. There's all these things. How are you feeling? Mhmm. And Yep. then we make a decision from there if we proceed with any form of formal formal advice, and we start Yep. implementing things. Yeah. The couple of things I haven't grabbed though is what is your actual date of birth and what's your address? Because I skipped Yeah. No. That's all good. Date of birth is the ninth of the third nineteen ninety eight. Correct. And address is 201 Yep. Laurelyn, L 0 R A L Y N, Avenue, Sanctuary Point, S A N C T U A R Y, Point, Yep. New South Wales. East South Wales 2540.","start_word":7259,"end_word":7540,"sentiment":"neutral","sentiment_score":0.05071644484996796},{"text":"Perfect. I love that you spelled Sanctuary for me. Cool.","start_word":7541,"end_word":7550,"sentiment":"positive","sentiment_score":0.5666149854660034},{"text":"Outside of that, and I will just double check, I I have your email address at jesse jessethomasrichards@gmail.com. Yeah. Would you like me to email Keeley as well to put the request to both of you? And I can organize a time to call and speak to her just to go through the risk profile, introduce myself, and make sure that everything aligns. No. Just touch base with her as well. Yeah. Yeah. Yeah. Okay. No. No. Cool. That's fine. You can do that. Yeah. I'll give you her email.","start_word":7551,"end_word":7640,"sentiment":"neutral","sentiment_score":0.14698368012905122},{"text":"Perfect.","start_word":7641,"end_word":7641,"sentiment":"positive","sentiment_score":0.4594458341598511},{"text":"Because I don't have her phone number either. Oh, that's okay. I can give you that too. Her email is kelly dot flyn, a, e e, l e y, dot, K, double e, l e y. Yep. yep, dot flyn, f l y, n n, Yep. .thirteen,1three,@Gmail.com. Yep.","start_word":7642,"end_word":7689,"sentiment":"neutral","sentiment_score":0.06176510453224182},{"text":"Perfect.","start_word":7690,"end_word":7690,"sentiment":"positive","sentiment_score":0.4191235303878784},{"text":"And her mobile number. Oh, my love. You really were born in the age where they don't remember anything. Oh, I don't yeah. No. I don't remember her numbers. It's 040405 Yep. 383 Yep. 648. 648. Perfect. Yeah. Yeah. Yep. What what I'll do is I'll send an email to both of you. I'll send a text message to Kaylee and just she can respond and let me know when she would like to touch base together. Yep. And we can just kinda go over and make sure that everything's kosher, and I'll double Yep. check her income and everything. But I'll Yep. I'll pop in the email everything that I'll need. The one thing I haven't really talked to Yeah. you about is insurance. So whilst investments are all happy days and everything, I don't need to probably tell you how insurance works because Yeah. we've been there and done that. Been they done that? Yeah. Yep. Actually Do yeah. we find value in insurance? Like, yes. But, like yes, but sort of like no. I mean, it's through I have, like, insurance and TPD covered through my, anyway. And Yep. I'm pretty sure Keely does as well, if that's Yep. what you're talking about. Yeah. Yeah. No. I mean, I'm not I don't have health I don't have private health or anything like that. And what else? Funeral insurance?","start_word":7691,"end_word":7921,"sentiment":"neutral","sentiment_score":0.06289214159622063},{"text":"Fuck that.","start_word":7922,"end_word":7923,"sentiment":"negative","sentiment_score":-0.5530531406402588},{"text":"Fair. That can come out of my investment portfolio. But yeah. No. Yep. I mean, just for you like, the regular stuff through is super fine. Is that the only insurance you were talking about or insurance in regards to, like, something else? Personal insurance So really is what it's about. yeah. So it's, yeah, life TPD, income protection, Yeah. stuff like that that, you know, in the event that you weren't weren't able to work or anything happened, you have income still to support you. Yeah. Income protection obviously continues your income going in the event that you're unable to work short, long term, whatever the case may Yeah. be. I mean TBD is a big one. yeah. Yeah. Not not at this point. Nope. I don't yeah. I don't think I need to think about protection at this point. No. That's fine. No. Yeah. That's cool. It's just generally, it's built into your super, so it's something I'd need to consider anyway. Yeah. But I'll I'll have a look at it and see what you guys have in terms of cover amounts Yeah. and go from Yeah. there. Can I ask, in terms of relationship to factor partners, whatever we wanna call it, Yeah. have we talked about marriage Yeah. and children? Yeah. Oh, yeah. Yeah. Yeah. Yeah. And children are on the cards maybe or no? Yeah. No. Definitely. Okay. That's probably like like that's sort of what we're setting up for, I guess. Not not just kids, but just sort of like so that we've, you know, we're financially well invested before we sort of go into all that. You know what I mean? That's why we're gonna buy a house, and then we're like, it's a shit investment. Just so that we're sort of set up. Yeah. Yeah. No.","start_word":7924,"end_word":8227,"sentiment":"neutral","sentiment_score":-0.018674881620283586},{"text":"That's absolutely perfect. No. That's that it's it's good to know because I can, basically, I can look at future planning. I can keep it in your supers and stuff like that, so it's not a drain on you personally.","start_word":8228,"end_word":8267,"sentiment":"positive","sentiment_score":0.4577827453613281},{"text":"It's just making sure that Yeah. I do consider the effects of anything that I change or recommend and how that would look overall. Yeah. So Okay. that's Yes.","start_word":8268,"end_word":8296,"sentiment":"neutral","sentiment_score":0.2448384165763855},{"text":"Yep. perfect.","start_word":8297,"end_word":8298,"sentiment":"positive","sentiment_score":0.4004504680633545},{"text":"Last couple of questions that I have. Health and lifestyle wise, are we smokers? Do we have any significant injury health issues, anything like that? Nope. No medications or anything that we take outside of, you know, daily No. and multivitamins. No. Cool. Nothing. Perfect. We don't have private health, you said. Estate planning wise, do you have a will or power of attorney? I know you have power of attorney for dad, but do you personally have a power of attorney? No. Cool. No. That's fine. You're super currently. Do you know how it's nominated? Just out No. of curiosity's sake. Sorry. Just out of curiosity's sake. How it's nominated? It's in, like, which which category? And how the beneficiary nomination is in place? So in the event that you passed away, who's receiving funds? Yeah. I don't think anyone I think I don't think I've done it, to be honest. Just because I haven't got it out. Yeah. I'm pretty sure. So I suppose that it's just go to Chile. But, yeah, I'm not sure. Not sure. No. That's okay. Just out of curiosity, whether you knew. No. That's absolutely fine. Perfect. And random side question. Any chance you are a tax resident of any other country at all? No. No. No. Giant citizen? Just the shop.","start_word":8299,"end_word":8517,"sentiment":"neutral","sentiment_score":-0.031409911811351776},{"text":"Fantastic.","start_word":8518,"end_word":8518,"sentiment":"positive","sentiment_score":0.3345165550708771},{"text":"Just obscure questions, but trust me, it pops up more than more often Yep. than you would think. Cool. So what I'll do is I will put together an email to send to you both this evening, and it'll just be a request for you to send through documents. There is no rush if you've had a terrible week or day and you just wanna sit and cruise, that's absolutely fine.","start_word":8519,"end_word":8589,"sentiment":"neutral","sentiment_score":0.17348955676589214},{"text":"When you can get the documents to me, I can start researching from there. How are you? And then, yeah, we can go from there. More than happy to communicate over email if you have any questions, queries, concerns, or anything to add.","start_word":8590,"end_word":8632,"sentiment":"positive","sentiment_score":0.49501144886016846},{"text":"Yeah. Yeah. Yeah. And then, generally speaking, two to three weeks to get everything together to come back and chat. When we chat, we can do a video conference call if you want. So that way we can, you know, face to face or we can just do a joint call with the three of us.","start_word":8633,"end_word":8688,"sentiment":"neutral","sentiment_score":0.25953248143196106},{"text":"That's fine too.","start_word":8689,"end_word":8691,"sentiment":"positive","sentiment_score":0.34603187441825867},{"text":"Yeah. And then go from there. I can be pretty flexible with my hours. I can start anywhere from 6AM and finish anywhere till 7PM. Look, generally, I'm here later, but I don't like to advertise it that much. Yeah. Yeah. I mean, Last night, obviously. I left at Yeah. ten. Oh, no. It's end of financial year. So Oh, true. Yeah. Yeah. Yeah.","start_word":8692,"end_word":8755,"sentiment":"neutral","sentiment_score":0.054052066057920456},{"text":"I was excited.","start_word":8756,"end_word":8758,"sentiment":"positive","sentiment_score":0.4499033987522125},{"text":"Yeah. True. No. Yeah.","start_word":8759,"end_word":8762,"sentiment":"neutral","sentiment_score":0.17727214097976685},{"text":"That's good. That's that's easy.","start_word":8763,"end_word":8767,"sentiment":"positive","sentiment_score":0.511899471282959},{"text":"I mean, I'll it it it that works well because, like, if, say, we could do it in the afternoon or something. We'll both be we we both work school. We're trying to, like, you know, at eight eight or eight or four, which She's annoying, but I think I was through the world, but yeah. Yeah. Yeah. No. And we understand that that's you know, I don't take personal phone calls while I'm at work, so I get it completely. Yeah. So so yeah. What what I can do is I can yeah. We can meet at, you know, five, 05:30, and we can go through everything at five, 05:30, and we just you guys can sit down at the dinner table and have a drink and have dinner, Yeah. and I'll Yeah. I'll sit and talk to you. Yeah.","start_word":8768,"end_word":8908,"sentiment":"neutral","sentiment_score":0.02331594897744556},{"text":"Nice.","start_word":8909,"end_word":8909,"sentiment":"positive","sentiment_score":0.3547702431678772},{"text":"I know. That sounds no. That that's good. Yeah. If you yeah.","start_word":8910,"end_word":8921,"sentiment":"neutral","sentiment_score":0.2184661626815796},{"text":"So it's definitely something you can help with, which is good. Absolutely. Yeah. So it's fine. Let's do it. Cool. Yeah. Perfect.","start_word":8922,"end_word":8943,"sentiment":"positive","sentiment_score":0.4510550796985626},{"text":"Well, what I'll do is I'll start putting everything together. If you see dad in the next few days, say hi for me, Yeah. and Yeah. otherwise, I don't you'll even have an I don't email. even think he spoke to you. I don't think that you No. We spoke we spoke are. a He's couple not. of times, but he Oh, probably I mean doesn't remember me because it's been two yeah. years. Yeah. So Probably. he's not going to. Probably not. Probably not. That's funny. That's funny, baby, actually. Yeah. Like, the team turned around. They're like, do you know a Mark Rich is? I was like, yeah. That was from before times. That was Yeah. from the before Yeah. here. And they're like and they're like, how did you remember that? I'm like, because sometimes names stick with you. I'm like, I did an insurance claim. I'm like, I can't remember why, but it'll be insurance claims. I'm like, you have a son named Jesse. And they're like, yeah. Yeah. They're like, we got an email from Jesse. I was like, oh, no way. And I was Yeah. so excited. No.","start_word":8944,"end_word":9137,"sentiment":"neutral","sentiment_score":0.01596253179013729},{"text":"It's good. I mean, obviously, you made a pretty good impression today, like and, like, you helped me out heaps particularly with particularly with, like, the superstructure and, like, with all of the the TPD payout and then the buyback as well.","start_word":9138,"end_word":9179,"sentiment":"positive","sentiment_score":0.45858603715896606},{"text":"Yes. Because it was Yeah.","start_word":9180,"end_word":9184,"sentiment":"neutral","sentiment_score":0.2732756733894348},{"text":"all and it was all, like and it's all worked out really well. Like so there's there's all that, the buyback and everything like that as well that's been put in place and all of it. So it's all it's all it all worked out really well. And, obviously, like, it's been structured in such a way that it's been, like, growing.","start_word":9185,"end_word":9246,"sentiment":"positive","sentiment_score":0.4907710552215576},{"text":"So it's just Yep. yeah. So it's I'll good. pat myself So it on was the back just for that one. sorry? I'll pat myself on the back for that Yeah. one. No. You should because yeah. No. Because it was like it was pretty touch and go for a while there, Yeah. and then it all sort of went well. And yeah. So now I'm just sort of like I know that if I don't know. If I can make something work now, I'm moving into the future, then I can sort of, like, you know, make the most out of everything. You know? Yeah. No. Absolutely. Yeah. No. Yeah. Perfect. Alright.","start_word":9247,"end_word":9359,"sentiment":"neutral","sentiment_score":0.13000765442848206},{"text":"Well, I'll get cracking on this.","start_word":9360,"end_word":9365,"sentiment":"positive","sentiment_score":0.3541029989719391},{"text":"You'll have an email from me in a little bit, and we can go from there. Alright.","start_word":9366,"end_word":9382,"sentiment":"neutral","sentiment_score":0.21021795272827148},{"text":"Well, thank you very much for that. I appreciate it. No. It's absolutely my pleasure, Jesse. Thank you so much.","start_word":9383,"end_word":9402,"sentiment":"positive","sentiment_score":0.5796149373054504},{"text":"Yeah. Bye. Bye.","start_word":9403,"end_word":9405,"sentiment":"neutral","sentiment_score":0.16795814037322998}],"average":{"sentiment":"neutral","sentiment_score":0.06748769258627754}}}}