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And, look, I'll try and take up too much of your time. But before we, jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. Excellent. And just do a really quick security check there for you. Just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yes, please. Yeah. Beautiful. Thank you so much for that. So I've had a bit of a look at the two different options there for you, and, ultimately, it does come down to what's more important to you, what you wanna do moving forward. But if we sort of plug the information into the mortgage calculator, at the moment, you currently have about, sorry, twenty six years and ten months left on the mortgage owing. The current balance is 384,551 and 3¢ there. Could have changed since we got the statement, which is okay. It does look like you are paying additional or extra onto the mortgage, which is great to help reduce that faster, And the interest rate owing is about 6.8 6.18% currently based on the current interest rate there. With if you were to take out the balance, which at the moment, you have a 119,109. If we were to put the 119,000, I'm just using rounded numbers here, it essentially shows as an estimate based on the current circumstances, you could save thirteen years off the loan. Interest saved over that time frame equates to $297,701. So it is good. It is a great scenario. Within super, the obviously, there's no contributions going into super. The amount can definitely stay there. It can certainly grow. And with the the investor profile that you're with the portfolio that you're in at the moment that we have to switch you to, that has shown a five year rolling average. So an average return over the past five five years of 12.97120.97%. One of the biggest things to sort of think about is when you're looking at moving forward, the interest rate within super is never guaranteed. It is based on past performance. There is no guarantee that future performance is going to be the same. One of the benefits to putting the funds into the mortgage is that you are reducing the mortgage. It's a guaranteed rate of return because you're saving that 6.18%. Moving forward, the other other aspect is it could certainly help down the track when it comes to Centrelink and things like that because your super when do you hit age 67 if you decide you wanna apply for age pension, and I can certainly help you with that. But if you decide to apply for age pension, your super balance is assessed as an asset, as a financial asset for both the income and the assets test. Whereas if you put the money on the mortgage, it is completely unaccessible because the money is sitting in your main primary residence, which is Centrelink exempt, essentially. Yes. That's that is still technically assessed. It would need to be sitting on the loan itself to be non assessable by Centrelink because they ask for all your bank accounts. And offset account is still a transaction account, so you can still use the money. So if it is sitting on the actual loan, it is still usable. You can redraw it off if you need to use the funds, but sitting on the loan is more preferable to keep it sheltered away from Stentalink assessment as well. So that is one aspect of benefits. Yeah. Sorry. Sure. No. You're not. Yes. Yep. So when you sit on the loan, that is essentially utilizing the redraw facility. So when you put the the funds onto the loan, you're actually dropping the balance up front. If you think about the loan and the offset account as they are technically two separate accounts, the offset account shows the loan balance at the higher rate. So putting that 119,000, it still shows you owe the 384,000 5 51. But when you look at the interest, the interest is calculated on that minus what's in the offset account. Whereas putting it on the loan itself drops the balance from that $3.84, essentially, what that would be about 2 sorry. If I just go back, drops your balance roughly to 265,000. So you would you would actually see your loan balance dropping. Both options both accounts still reduce the amount of interest that you're paying on the loan. It's just that the money sitting on the actual loan itself has reduced the balance, whereas an offset account is still a transactional account. You can still use those funds very easily. You can use them from the loan and redraw, but Centrelink still assess an offset account as a bank account, as savings, and money sitting in the yeah. Sorry. You're fine. You're fine. Yeah. Right. Yeah. Yeah. Yeah. Mhmm. Yeah. It is. It is ex yeah. No. He is right. Yep. It works exactly the same way when you consider the interest portion of it. It's just about how the money is is assessed for settling purposes. When you get to that point, you're still a little ways off. You're not quite at 60 seven yet, But it it works the same way for the interest component. It's just that yeah. It's more just the long term assessment. Yeah. Absolutely. For the purpose of this, if you decide you wanna withdraw all the super, that's fine. And considering the offset account, it's still offsetting the amount of interest that you're paying on the loan. It just shows the loan balance at the higher rate. So what happens is the interest on the loan is calculated. The loan balance minus what's in the offset account, and that gives you how much interest you're, you know, paying essentially or what balance you're paying interest on. So the offset account absolutely works the same way. It's more just looking at the long term assessment down the track. For now, you know, it's absolutely fine to have that to sit there. What I would wanna look at is that when you get to age 67, if you then apply for Centrelink and maybe moving the money onto the loan itself, having a small amount in your offset account. That way we could maybe, you know, still get a better assessment and actually drop your balance and shelter money that way. So having a loan will shelter those funds down the track for you. Does that make sense? You're if it doesn't, let me know. Please ask any questions you have. I don't know. It's pretty scary inside my head. Not gonna lie. No. That's okay. No. That's okay. Mhmm. Yeah. Yeah. Yeah. Well, with Yeah. Yeah. Absolutely. So if we look at the projection table over the next sort of five to ten years, the amount of money growing. So we are working on a balance of 112 because that's what you had when I did the advice document. But as a comparison, from when we did the advice for five years, your super balance could increase to a $167,006.48. That's if you're able to obtain that 12.97 percent return over the next five years. Over the next ten years correct. Yeah. It could also, over the next ten years, increase to 252,000. However, when you consider putting it onto the mortgage, the mortgage calculator shows that the interest saved over the net over the last of the loan is 297,000. So, realistically, you're actually saving a little bit more interest on the loan than you would be making in the super. But it's also gotta be yeah. Yeah. It also means that if you were to sell the property, you have less of a loan to pay off. So you could end up with more in your back pocket as well. The only sort of thing to consider is that that money will no longer be sitting in super. It will be in the loan. So interest rates going down, obviously, can have an effect. Interest rates going up can still also have an effect. You know, you're still Peter still his super is all still here. So, you know, we have an ETVA. You can still liaise and help, and I can still give you both advice and things like that. That's not a problem at all. It's just about working out what's more important to you. Do you want the money sitting in super hoping it's gonna grow and keeping it accessible in the super system, or would you rather just take it out? You're not working. You're over 60. It is tax free. You can access it. You can take it out, put it on the loan, and save some interest knowing you still have it there if you do choose to or need to access it down the track. So it's just a a matter of working out what what's more important to you. Which way would you like to go? I I can. Yeah. No. I definitely can. Yeah. Absolutely. So I can definitely look at doing a personal advice document, which weighs up a new projection based on super basis on the mortgage and look at, you know, which way you should go to to meet the goal that you're after. But if in my position, if I was your age knowing I wanted to, you know, try and get the mortgage paid down, if paying down my property was my main my main goal, knowing my husband has enough super, is still working, does wanna work a bit longer, we, you know, can probably live off his super and hopefully access Centrelink. I would personally, in my shoes, I would look at maybe trying to pay down my mortgage because it is a guaranteed rate of return. The interest you're paying fluctuates depending on the interest rate. Interest rates did go up a lot over the past couple of years after COVID. They went up to close to, you know, 9% in some some loans, some mortgages, and the risk of that happening again is definitely higher in saying that just making sure you're aware that money is no longer in the super system. If you do need it, it's a matter of drawing it out of the mortgage, which then increases the amount of interest you are paying. But it reduces your loan pretty significantly, reduces the amount of it reduces your minimum mortgage repayments as well. So, like, if the interest is lower, well, over time, it will. And the more you keep putting in, put a the same as what he said last time, put all your spare money into the into the offset account, into the mortgage, you'll eventually be paying way more than what you need to be. That way, interest rates actually have very little effect on your mortgage over time. But if it was me in my shoes and I had I was at your age and I had a, you know, twenty six year loan on my property, we we don't wanna be paying a mortgage off into our nineties. Even though we might wanna sell the property down the track, we don't really know when that's gonna come up or when we wanna sell the property. I would be looking at, you know, trying to reduce my mortgage as much as possible. That also, when Pete does retire, means that if you don't have the mortgage or have very little mortgage, it also means you can look to draw less money out of the super system from his super to also keep covering your bills and expenses as well. Yeah. Correct. Yeah. It also, like, with the amount of stress that you guys have gone through over the last couple of years with loans and repayments and dealing with banks and financial institutions, this might just also alleviate a little bit less stress off your plate. Plate. Yeah. Yeah. Yeah. Yeah. Yeah. Definitely. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yep. Yep. Oh, it's expensive. Really? Yeah. Yeah. Yeah. Yeah. Wow. Wow. Wow. Yeah. Yeah. Wow. Yeah. Correct. Yeah. Yeah. It it is. It is. Yes. Yes. Yeah. The mortgage. It's like me yeah. Yep. Absolutely. And, realistically, the bank would have assessed your super as an exit strategy. If something happened to the two of you and they had to, you know, call the money back, can you access your super? So they would have absolutely accounted for your super as part of the assessment of an exit strategy, which is what they look at. Because they know when in your fifties and sixties, you're not gonna be working for thirty years. So they look at if something was to happen to you, what insurances do you have, how do they call the money back in your super is definitely assessable under the loan for those purposes. But, I mean, with my property, I use my offset account as my savings account. You know? I draw money back when I need. I'll have large bills, but every week, whenever I get paid, my money goes straight into my account. It sits there until I need to withdraw what I need to back, and I use it as a savings account because like you, I don't wanna have a thirty year loan. I would like to pay it off as soon as possible. And yeah. Yep. Yep. Pay Yeah. Yep. It's basically very similar. Yeah. Yep. Yeah. Yeah. Yeah. Alright. Yep. Yep. Yep. Yep. Yeah. Correct. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And you've had all this. Yeah. That's absolutely fine. And, look, honestly, when you think about the last couple of years with everything with the business and the loans and selling all the equipment and where you've called yourself back from. You've gone through a lot of stress with, you know, loans and things like that. So, you know, it's about just thinking about what is more important to you. Because, I mean, we can build Peter's super up. He's still happy to work a bit longer. We can look at, you know, additional contributions and build on that as much as possible. He's in that high growth environment. We can kind of work on that moving forward to give you guys the best retirement from his super. But is is it more important to you to have that money sitting in super, albeit there's no contributions going in because you're not working? So, you know, it is just sitting there. It can get a good rate of return within the portfolio that it's in. It has averaged a fantastic return in the past, but returns are not guaranteed in any way, shape, or form. So there is a chance when five years you may not have, you know, that 165,000. If there's a market dip in between that, you may only have a 100 thousand in there. So with the mortgage, the way we like to sort of see that is it is a guaranteed rate of return. I can give you financial advice on which way to go if you'd prefer, but I just need to have a clear goal around is it is your goal to pay down the mortgage, you know, upfront in the next couple of years as much as possible? When do you wanna sell that property? You know, what the expectation might be down the track versus your super goal? But it sounds to me like it's more just less about, getting a a personal advice document and more about your preference. Are you wanting to maybe save on interest and have the balance decrease quicker or have the money sitting in super hoping to kind of get that. And from what you and I talked about over the past couple of years, the lending side of things has been really stressful for you. You've gone essentially through hell and back, and you've you've you've struggled through it each step of the way. So if you decide to withdraw the funds out, and you can give me the direction, I can do it as a transaction without advice to have it done. It does take a couple of weeks to complete the transfer down. We would forward to your bank account, then you can transfer it across to wherever you'd like it to go. It can also be put straight onto the offset account if you'd like to. We'll just get the bank information there. But just based on what we have, and I can send you the projection table versus versus the loan calculator if you like so you can have a bit of a look at it. I'll even just get him. You're okay. Yeah. Oh, absolutely. Absolutely. Absolutely. Yeah. Yep. Absolutely. And interest is calculated daily as well. It's not a monthly. You pay it monthly, but interest is actually calculated daily on the loan. So if if the interest is at 6.18% now and in two years, it drops to, say, four or 3% with, you know, market react or with the cash rate, then you're only gonna be in a better position. And then the more money you whack onto the mortgage in that time frame with a lower interest rate keeps reducing the amount of interest that you are paying. And the idea is the more the more money you put onto the loan, the less effect interest rate increases have because you're saving interest. You're paying the loan down faster and reducing as quickly as possible. And that can provide a benefit down the track, as I said, at age 67. If we look at Centrelink, then, you know, we can look at ways to shelter money. If you then decide to sell the property down the track as well and you do get a nice whack of money, you buy something smaller. If you have funds left over, we can look at putting that money maybe into Peter's super or finding a way to invest it for you guys. So as a supplement to his super, you know, we'll we'll keep doing reviews with our even if you take your funds out, I'll still talk to you. We've got the ETCA on file. I'll do Peter's annual review with the both of you so we can get a feel for what your goals are. We can keep boosting his super, maybe put more money into it, increase his contributions as much as possible, and find ways to make sure that his super is there gonna support the both of you. So there's definitely a way forward that that you can do both. Pay down the mortgage as quickly as possible and also kind of build his super for retirement and look at ways to offset with Centrelink, which I can absolutely advise on for you there as well. Okay. All good. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. No. And we can definitely pop that into super. There are ways that we can build and add additional contributions to provide benefits. So there's yeah. We can help you in that area. Absolutely. Yeah. Yeah. No. It is up to you. You can take a minute to think about it you like, or you can decide now. It's completely up to you. It's however you are feeling. It honest it really doesn't worry me in any way, shape, or form. It's not about for me, it's not about how much you pay us or it's for me, it's the value. So as a financial adviser, I have to work in your best interest. And when your best interest conflicts with our company, then I choose you over them every single time. So as much as Peter is on the coupling fee at the moment, it does mean that his ongoing service fee next year will probably change, but we're also having a change to the fee structure in that time anyway. So his fee will not change this year. He stays on 1.1% regardless of what's happening until annual review. And that annual review time, I'll go through the changes with you. We'll look at the fee structure. We'll look at the goals. We'll look at what's happening. It's absolutely fine. But it's gotta be more in your comfort level. So, you know, if you wanna take a day or two to have a think about it, then let me know. Absolutely fine. If you wanna decide now, you can decide you can call me back later afternoon. Go, hey. I thought about it. Let's do it, and I will do whatever I need to to get it sorted for you. But, yeah, don't think about the fees. I'm paid away for me coming into work every day. I'm not paid any additional commission for how many clients I sign or who stays on board. It's all gotta be what's right for you. And I think one of the biggest things that you've had on your mind over the past couple of years is how to pay all these loans down, how to get out of debt as quickly as possible, and you've had a lot a lot of stress in that area for the past few years. So it's been a lot. Mhmm. No. No. No. No. Definitely not. I mean, they'll get less interest than what they probably expected from the loan, but that's not your problem in any way, shape, or form. So when you do a loan application, they normally ask you a lot of questions about your income, your assets, how much the loan amount is for. They check the valuation of the property, but they also ask you for what's your super, what you know, things like that. And you tend to have to ask loads of the questions because when you're older, they're looking for an exit strategy. They're basically saying, well, what is the risk what is the risk of this loan application, you know, being defaulted? What happens if the client can't pay this back? How old are they? Can they access their super? How much is their super balance? Or if they get to sixty, sixty five and don't wish to work any longer, can they use it to pay off the loan? So they do assess you on your super balance as an exit strategy, especially when you are in your fifties and sixties for loan applications, and that is absolutely normal. But, yeah, they won't have any problem with you, you know, paying down the mortgage faster. It means that they get their money back faster as well because once the loan is fully paid off, you know, they're basically being repaid. So that's one less loan that's gonna go into default for the bank, so they're generally pretty happy with that. But, yeah, if you if that's what you would like to do, absolutely, the other option to consider is keeping it in super. Admittedly, there's no contributions there. We could look to make contributions to boost and benefit that a little bit more, But it'll Correct. Get stuff done. A lot. Yeah. Mhmm. Wow. That's a lot, isn't it? Okay. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Oh, that's good. Yeah. Yep. Oh, and then you have to get on and book another flight. Yeah. Yeah. That's fine. That sounds really fine. Yep. Yep. Yeah. Yep. Correct. Correct. Yeah. Definitely. If the interest rates still go up, you're still saving on the interest there. There's no, you know, ups and downs with the market. You don't have to work the contributions aspect there. And, I mean, with what you sort of told me, you also then have access to additional funds quickly if, say, something like the flights are canceled and you need that additional money. So there are definitely benefits to doing it that way, plus also your peace of mind of knowing you've got you know, you've dropped the loan balance quite significantly. Keeping it in super does mean it has it can get a 12 or a 15% return, but there's no guarantees of that. There is always that risk of leaving it in. The projected outcome sorry. You're at yeah. Mhmm. Yep. Yeah. Yes. Yep. Yeah. Abs absolutely. You'll see the interest date to the amount of interest that you are paying. If it's sitting in the offset account, the amount of interest that you are paying on the loan decreases each month as, you know, the amount that you're being assessed at increases or decreases essentially. So if you have, you know, a $500,000 loan now and you've paid off you know, you've got a nice 100,000 sitting there, if you're then paying a thousand dollars per month into the loan extra, the amount you're being assessed at for the interest is the 5,000 minus what's sitting in the, offset account. The difference is where the interest is calculated at. The interest is calculated daily as well, not monthly. So you're actually getting calculated interest every single day that the loan is sitting there that you haven't got extra money sitting in the loan. But as a as your offset account increases with the amount sitting there as your balance slowly decreases with the extra payments going into the actual loan, you'll see the amount of interest that you are paying decreases over time, which helps to drop the actual loan balance a little bit more because the same amount of money going on to the loan from your offset account is not not a not being accounted for as interest as much. So it it kind of is a bit weird the way it works, but it absolutely does work. And you do see over time the amount of interest decreases, which means that the the money going on to the actual loan, you know, decreases the balance a little bit faster as well. Yeah. It's a little bit convoluted. Sorry. Yeah. If if you're comfortable with that, I'll take the direction. So are you comfortable with me processing that for you as a transaction without any personal advice to make it nice and quick for you? Yep. Beautiful. And you wanna withdraw the full balance from Super? Beautiful. Not a problem at all. I do need to grab the bank account details to have that transferred into. So can I just stop the recording real quick? Yes. Well, it depends on where you want it to be. It would have to be an account that is able to receive the funds, so maybe your offset account. But I just I can pull up the last transaction that we had, and I can confirm the last three digits for you, and you can tell me whether that account is suited. Sorry. Let me one second. It's just loading. And that one doesn't have a bank account on it. None of these even have a bank account on them. That's okay. That's alright. What I'll do are you comfortable with me taking the inform the bank account information over the phone for you? Yeah. What I'm what I'm gonna do is I'm just gonna turn the recording off because we don't like to take bank details over a recorded line. So I'm just gonna turn that off. It won't be one second. Now you might hear a beep. So I'm just double checking. I don't remember how to turn it off. Sorry. I haven't done this for a while. One. Okay. So no. That's okay. Yeah. That's okay. This recording should have just been turned off. So you would have heard just a bit of a beep then. Did you hear a beep? Or yep. Yep. That's perfect. Excellent. So can I grab the BSB and the account information of you to fill out the forms? Yep. Yep. Yep. Yep. Mhmm. Beautiful. And is the account name both Peter and Yvonne Wooderson? Yep. Perfect. Yep. Perfect. And I'll just read that back to you. So b s b, I have 0641 75 and account number 12509 218. Yep. Perfect. And as the transaction request, it's to withdraw the full account balance of your super to your nominated bank account provided for the purpose of sorry. I'm just gonna turn the recording back on down. Well, apologize for that. All good. So just to confirm, the transaction is to withdraw your full super balance to your nominated bank account ending in 18 for the purpose of paying down the loan balance, saving on interest, and having as a buffer. Is that right? Yep. Beautiful. Lovely. And you're comfortable with me processing the transaction with that financial advice? Yep. Beautiful. Excellent. And full balance. Lovely. So what I'll do, Yvonne, is I'll get that transaction with that advice done up for you. I'll do the benefit with payment from the withdrawal form there. I'll have them emailed through to you via OdooSign. I'll get Sammy to give you a call, let you know when that's emailed through so you can sign it. Once it is signed, we'll sell the investments down and have the funds drawn out. It may take because it is a full sale, it may take about two or three weeks to complete the sell down, but we'll try to make sure it happens as quickly as possible so that we withdraw from action. Yep. Beautiful. All good. And we'll make sure that you and I sort of touch base. I'll do Peter's annual review moving forward with the two of you. We still got the ETCA on file, make sure all of that's still appropriate for you both. And I can do the annual review with both of you so we can assess Peter's super down the track and look at what your goals are and keep providing advice and looking after you guys so you both have the best possible retirement there. Does that sound okay? Yeah. Beautiful. Fantastic. I'll double check when his annual review is actually due. Let's have a look. Peter Wooderson. It's due very soon. Says here 04/2026. So we'll probably organize and go through a review with him in the next few months and just sort of see, yeah, how things are going. Okay. Awkward. Do you have do you have any questions? Do you do you feel okay? Do you feel good now that you sort of made that decision? Do you have any questions or concerns? Or Mhmm. Yeah. Yeah. Just yeah. Just some sort of industry fund one. Yeah. I mean, I could definitely, you know, look at providing advice to help you along the the way there. There are super funds that we can access, but most retail funds to make the fees worth while you need to have a pretty decent super balance. Yeah. But then again, you might sort of start a job and decide you don't lock it anymore and withdraw the funds back out anyway. So yeah. But, no, this will hopefully help. It'll, you know, give you a little bit extra money to as a buffer to sorta help make sure that, you know, you'd have that extra in the in the event that something happens and you have large bills coming in, but then also just making sure you're paying down the loan as quickly as possible as well. Hopefully, it'll alleviate a little bit of pressure and stress for you. Yeah. All good. Do you have any other questions or anything that might come up? Do you want me to clarify anything further for you? Yeah. That's okay. All good. Perfect. Well, I'll get that's okay, Yvonne. I'll get that sorted for you now. Not an issue at all. Thanks so much. See you later. 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Yvonne. It's Dana from OCU Financial. How are you? That's okay. Yeah.\n\nThat's okay. Honestly, it is not a problem at all. Sammy got you rebooked in for now, so it's not an issue at all. And, look, I'll try and take up too much of your time. But before we, jump into the call, I do have to let you know we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Beautiful. Excellent. And just do a really quick security check there for you. Just get you to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Yes, please. Yeah. Beautiful. Thank you so much for that.\n\nSo I've had a bit of a look at the two different options there for you, and, ultimately, it does come down to what's more important to you, what you wanna do moving forward. But if we sort of plug the information into the mortgage calculator, at the moment, you currently have about, sorry, twenty six years and ten months left on the mortgage owing. The current balance is 384,551 and 3¢ there. Could have changed since we got the statement, which is okay. It does look like you are paying additional or extra onto the mortgage, which is great to help reduce that faster, And the interest rate owing is about 6.8 6.18% currently based on the current interest rate there.\n\nWith if you were to take out the balance, which at the moment, you have a 119,109. If we were to put the 119,000, I'm just using rounded numbers here, it essentially shows as an estimate based on the current circumstances, you could save thirteen years off the loan. Interest saved over that time frame equates to $297,701. So it is good. It is a great scenario.\n\nWithin super, the obviously, there's no contributions going into super. The amount can definitely stay there. It can certainly grow. And with the the investor profile that you're with the portfolio that you're in at the moment that we have to switch you to, that has shown a five year rolling average. So an average return over the past five five years of 12.97120.97%.\n\nOne of the biggest things to sort of think about is when you're looking at moving forward, the interest rate within super is never guaranteed. It is based on past performance. There is no guarantee that future performance is going to be the same. One of the benefits to putting the funds into the mortgage is that you are reducing the mortgage. It's a guaranteed rate of return because you're saving that 6.18%.\n\nMoving forward, the other other aspect is it could certainly help down the track when it comes to Centrelink and things like that because your super when do you hit age 67 if you decide you wanna apply for age pension, and I can certainly help you with that. But if you decide to apply for age pension, your super balance is assessed as an asset, as a financial asset for both the income and the assets test. Whereas if you put the money on the mortgage, it is completely unaccessible because the money is sitting in your main primary residence, which is Centrelink exempt, essentially. Yes. That's that is still technically assessed.\n\nIt would need to be sitting on the loan itself to be non assessable by Centrelink because they ask for all your bank accounts. And offset account is still a transaction account, so you can still use the money. So if it is sitting on the actual loan, it is still usable. You can redraw it off if you need to use the funds, but sitting on the loan is more preferable to keep it sheltered away from Stentalink assessment as well. So that is one aspect of benefits.\n\nYeah. Sorry. Sure. No. You're not.\n\nYes. Yep. So when you sit on the loan, that is essentially utilizing the redraw facility. So when you put the the funds onto the loan, you're actually dropping the balance up front. If you think about the loan and the offset account as they are technically two separate accounts, the offset account shows the loan balance at the higher rate.\n\nSo putting that 119,000, it still shows you owe the 384,000 5 51. But when you look at the interest, the interest is calculated on that minus what's in the offset account. Whereas putting it on the loan itself drops the balance from that $3.84, essentially, what that would be about 2 sorry. If I just go back, drops your balance roughly to 265,000. So you would you would actually see your loan balance dropping.\n\nBoth options both accounts still reduce the amount of interest that you're paying on the loan. It's just that the money sitting on the actual loan itself has reduced the balance, whereas an offset account is still a transactional account. You can still use those funds very easily. You can use them from the loan and redraw, but Centrelink still assess an offset account as a bank account, as savings, and money sitting in the yeah. Sorry.\n\nYou're fine. You're fine. Yeah. Right. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. It is.\n\nIt is ex yeah. No. He is right. Yep. It works exactly the same way when you consider the interest portion of it.\n\nIt's just about how the money is is assessed for settling purposes. When you get to that point, you're still a little ways off. You're not quite at 60 seven yet, But it it works the same way for the interest component. It's just that yeah. It's more just the long term assessment.\n\nYeah. Absolutely. For the purpose of this, if you decide you wanna withdraw all the super, that's fine. And considering the offset account, it's still offsetting the amount of interest that you're paying on the loan. It just shows the loan balance at the higher rate.\n\nSo what happens is the interest on the loan is calculated. The loan balance minus what's in the offset account, and that gives you how much interest you're, you know, paying essentially or what balance you're paying interest on. So the offset account absolutely works the same way. It's more just looking at the long term assessment down the track. For now, you know, it's absolutely fine to have that to sit there.\n\nWhat I would wanna look at is that when you get to age 67, if you then apply for Centrelink and maybe moving the money onto the loan itself, having a small amount in your offset account. That way we could maybe, you know, still get a better assessment and actually drop your balance and shelter money that way. So having a loan will shelter those funds down the track for you. Does that make sense? You're if it doesn't, let me know.\n\nPlease ask any questions you have. I don't know. It's pretty scary inside my head. Not gonna lie. No.\n\nThat's okay. No. That's okay. Mhmm. Yeah.\n\nYeah. Yeah. Well, with Yeah. Yeah. Absolutely.\n\nSo if we look at the projection table over the next sort of five to ten years, the amount of money growing. So we are working on a balance of 112 because that's what you had when I did the advice document. But as a comparison, from when we did the advice for five years, your super balance could increase to a $167,006.48. That's if you're able to obtain that 12.97 percent return over the next five years. Over the next ten years correct.\n\nYeah. It could also, over the next ten years, increase to 252,000. However, when you consider putting it onto the mortgage, the mortgage calculator shows that the interest saved over the net over the last of the loan is 297,000. So, realistically, you're actually saving a little bit more interest on the loan than you would be making in the super. But it's also gotta be yeah.\n\nYeah. It also means that if you were to sell the property, you have less of a loan to pay off. So you could end up with more in your back pocket as well. The only sort of thing to consider is that that money will no longer be sitting in super. It will be in the loan.\n\nSo interest rates going down, obviously, can have an effect. Interest rates going up can still also have an effect. You know, you're still Peter still his super is all still here. So, you know, we have an ETVA. You can still liaise and help, and I can still give you both advice and things like that.\n\nThat's not a problem at all. It's just about working out what's more important to you. Do you want the money sitting in super hoping it's gonna grow and keeping it accessible in the super system, or would you rather just take it out? You're not working. You're over 60.\n\nIt is tax free. You can access it. You can take it out, put it on the loan, and save some interest knowing you still have it there if you do choose to or need to access it down the track. So it's just a a matter of working out what what's more important to you. Which way would you like to go?\n\nI I can. Yeah. No. I definitely can. Yeah.\n\nAbsolutely. So I can definitely look at doing a personal advice document, which weighs up a new projection based on super basis on the mortgage and look at, you know, which way you should go to to meet the goal that you're after. But if in my position, if I was your age knowing I wanted to, you know, try and get the mortgage paid down, if paying down my property was my main my main goal, knowing my husband has enough super, is still working, does wanna work a bit longer, we, you know, can probably live off his super and hopefully access Centrelink. I would personally, in my shoes, I would look at maybe trying to pay down my mortgage because it is a guaranteed rate of return. The interest you're paying fluctuates depending on the interest rate.\n\nInterest rates did go up a lot over the past couple of years after COVID. They went up to close to, you know, 9% in some some loans, some mortgages, and the risk of that happening again is definitely higher in saying that just making sure you're aware that money is no longer in the super system. If you do need it, it's a matter of drawing it out of the mortgage, which then increases the amount of interest you are paying. But it reduces your loan pretty significantly, reduces the amount of it reduces your minimum mortgage repayments as well. So, like, if the interest is lower, well, over time, it will.\n\nAnd the more you keep putting in, put a the same as what he said last time, put all your spare money into the into the offset account, into the mortgage, you'll eventually be paying way more than what you need to be. That way, interest rates actually have very little effect on your mortgage over time. But if it was me in my shoes and I had I was at your age and I had a, you know, twenty six year loan on my property, we we don't wanna be paying a mortgage off into our nineties. Even though we might wanna sell the property down the track, we don't really know when that's gonna come up or when we wanna sell the property. I would be looking at, you know, trying to reduce my mortgage as much as possible.\n\nThat also, when Pete does retire, means that if you don't have the mortgage or have very little mortgage, it also means you can look to draw less money out of the super system from his super to also keep covering your bills and expenses as well. Yeah. Correct. Yeah. It also, like, with the amount of stress that you guys have gone through over the last couple of years with loans and repayments and dealing with banks and financial institutions, this might just also alleviate a little bit less stress off your plate.\n\nPlate. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Definitely. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nYep. Yep. Oh, it's expensive. Really? Yeah.\n\nYeah. Yeah. Yeah. Wow. Wow.\n\nWow. Yeah. Yeah. Wow. Yeah.\n\nCorrect. Yeah. Yeah. It it is. It is.\n\nYes. Yes. Yeah. The mortgage. It's like me yeah.\n\nYep. Absolutely. And, realistically, the bank would have assessed your super as an exit strategy. If something happened to the two of you and they had to, you know, call the money back, can you access your super? So they would have absolutely accounted for your super as part of the assessment of an exit strategy, which is what they look at.\n\nBecause they know when in your fifties and sixties, you're not gonna be working for thirty years. So they look at if something was to happen to you, what insurances do you have, how do they call the money back in your super is definitely assessable under the loan for those purposes. But, I mean, with my property, I use my offset account as my savings account. You know? I draw money back when I need.\n\nI'll have large bills, but every week, whenever I get paid, my money goes straight into my account. It sits there until I need to withdraw what I need to back, and I use it as a savings account because like you, I don't wanna have a thirty year loan. I would like to pay it off as soon as possible. And yeah. Yep.\n\nYep. Pay Yeah. Yep. It's basically very similar. Yeah.\n\nYep. Yeah. Yeah. Yeah. Alright.\n\nYep. Yep. Yep. Yep. Yeah.\n\nCorrect. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. And you've had all this. Yeah. That's absolutely fine.\n\nAnd, look, honestly, when you think about the last couple of years with everything with the business and the loans and selling all the equipment and where you've called yourself back from. You've gone through a lot of stress with, you know, loans and things like that. So, you know, it's about just thinking about what is more important to you. Because, I mean, we can build Peter's super up. He's still happy to work a bit longer.\n\nWe can look at, you know, additional contributions and build on that as much as possible. He's in that high growth environment. We can kind of work on that moving forward to give you guys the best retirement from his super. But is is it more important to you to have that money sitting in super, albeit there's no contributions going in because you're not working? So, you know, it is just sitting there.\n\nIt can get a good rate of return within the portfolio that it's in. It has averaged a fantastic return in the past, but returns are not guaranteed in any way, shape, or form. So there is a chance when five years you may not have, you know, that 165,000. If there's a market dip in between that, you may only have a 100 thousand in there. So with the mortgage, the way we like to sort of see that is it is a guaranteed rate of return.\n\nI can give you financial advice on which way to go if you'd prefer, but I just need to have a clear goal around is it is your goal to pay down the mortgage, you know, upfront in the next couple of years as much as possible? When do you wanna sell that property? You know, what the expectation might be down the track versus your super goal? But it sounds to me like it's more just less about, getting a a personal advice document and more about your preference. Are you wanting to maybe save on interest and have the balance decrease quicker or have the money sitting in super hoping to kind of get that.\n\nAnd from what you and I talked about over the past couple of years, the lending side of things has been really stressful for you. You've gone essentially through hell and back, and you've you've you've struggled through it each step of the way. So if you decide to withdraw the funds out, and you can give me the direction, I can do it as a transaction without advice to have it done. It does take a couple of weeks to complete the transfer down. We would forward to your bank account, then you can transfer it across to wherever you'd like it to go.\n\nIt can also be put straight onto the offset account if you'd like to. We'll just get the bank information there. But just based on what we have, and I can send you the projection table versus versus the loan calculator if you like so you can have a bit of a look at it. I'll even just get him. You're okay.\n\nYeah. Oh, absolutely. Absolutely. Absolutely. Yeah.\n\nYep. Absolutely. And interest is calculated daily as well. It's not a monthly. You pay it monthly, but interest is actually calculated daily on the loan.\n\nSo if if the interest is at 6.18% now and in two years, it drops to, say, four or 3% with, you know, market react or with the cash rate, then you're only gonna be in a better position. And then the more money you whack onto the mortgage in that time frame with a lower interest rate keeps reducing the amount of interest that you are paying. And the idea is the more the more money you put onto the loan, the less effect interest rate increases have because you're saving interest. You're paying the loan down faster and reducing as quickly as possible. And that can provide a benefit down the track, as I said, at age 67.\n\nIf we look at Centrelink, then, you know, we can look at ways to shelter money. If you then decide to sell the property down the track as well and you do get a nice whack of money, you buy something smaller. If you have funds left over, we can look at putting that money maybe into Peter's super or finding a way to invest it for you guys. So as a supplement to his super, you know, we'll we'll keep doing reviews with our even if you take your funds out, I'll still talk to you. We've got the ETCA on file.\n\nI'll do Peter's annual review with the both of you so we can get a feel for what your goals are. We can keep boosting his super, maybe put more money into it, increase his contributions as much as possible, and find ways to make sure that his super is there gonna support the both of you. So there's definitely a way forward that that you can do both. Pay down the mortgage as quickly as possible and also kind of build his super for retirement and look at ways to offset with Centrelink, which I can absolutely advise on for you there as well. Okay.\n\nAll good. Mhmm. Mhmm. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nNo. And we can definitely pop that into super. There are ways that we can build and add additional contributions to provide benefits. So there's yeah. We can help you in that area.\n\nAbsolutely. Yeah. Yeah. No. It is up to you.\n\nYou can take a minute to think about it you like, or you can decide now. It's completely up to you. It's however you are feeling. It honest it really doesn't worry me in any way, shape, or form. It's not about for me, it's not about how much you pay us or it's for me, it's the value.\n\nSo as a financial adviser, I have to work in your best interest. And when your best interest conflicts with our company, then I choose you over them every single time. So as much as Peter is on the coupling fee at the moment, it does mean that his ongoing service fee next year will probably change, but we're also having a change to the fee structure in that time anyway. So his fee will not change this year. He stays on 1.1% regardless of what's happening until annual review.\n\nAnd that annual review time, I'll go through the changes with you. We'll look at the fee structure. We'll look at the goals. We'll look at what's happening. It's absolutely fine.\n\nBut it's gotta be more in your comfort level. So, you know, if you wanna take a day or two to have a think about it, then let me know. Absolutely fine. If you wanna decide now, you can decide you can call me back later afternoon. Go, hey.\n\nI thought about it. Let's do it, and I will do whatever I need to to get it sorted for you. But, yeah, don't think about the fees. I'm paid away for me coming into work every day. I'm not paid any additional commission for how many clients I sign or who stays on board.\n\nIt's all gotta be what's right for you. And I think one of the biggest things that you've had on your mind over the past couple of years is how to pay all these loans down, how to get out of debt as quickly as possible, and you've had a lot a lot of stress in that area for the past few years. So it's been a lot. Mhmm. No.\n\nNo. No. No. Definitely not. I mean, they'll get less interest than what they probably expected from the loan, but that's not your problem in any way, shape, or form.\n\nSo when you do a loan application, they normally ask you a lot of questions about your income, your assets, how much the loan amount is for. They check the valuation of the property, but they also ask you for what's your super, what you know, things like that. And you tend to have to ask loads of the questions because when you're older, they're looking for an exit strategy. They're basically saying, well, what is the risk what is the risk of this loan application, you know, being defaulted? What happens if the client can't pay this back?\n\nHow old are they? Can they access their super? How much is their super balance? Or if they get to sixty, sixty five and don't wish to work any longer, can they use it to pay off the loan? So they do assess you on your super balance as an exit strategy, especially when you are in your fifties and sixties for loan applications, and that is absolutely normal.\n\nBut, yeah, they won't have any problem with you, you know, paying down the mortgage faster. It means that they get their money back faster as well because once the loan is fully paid off, you know, they're basically being repaid. So that's one less loan that's gonna go into default for the bank, so they're generally pretty happy with that. But, yeah, if you if that's what you would like to do, absolutely, the other option to consider is keeping it in super. Admittedly, there's no contributions there.\n\nWe could look to make contributions to boost and benefit that a little bit more, But it'll Correct. Get stuff done. A lot. Yeah. Mhmm.\n\nWow. That's a lot, isn't it? Okay. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yeah. Oh, that's good.\n\nYeah. Yep. Oh, and then you have to get on and book another flight. Yeah. Yeah.\n\nThat's fine. That sounds really fine. Yep. Yep. Yeah.\n\nYep. Correct. Correct. Yeah. Definitely.\n\nIf the interest rates still go up, you're still saving on the interest there. There's no, you know, ups and downs with the market. You don't have to work the contributions aspect there. And, I mean, with what you sort of told me, you also then have access to additional funds quickly if, say, something like the flights are canceled and you need that additional money. So there are definitely benefits to doing it that way, plus also your peace of mind of knowing you've got you know, you've dropped the loan balance quite significantly.\n\nKeeping it in super does mean it has it can get a 12 or a 15% return, but there's no guarantees of that. There is always that risk of leaving it in. The projected outcome sorry. You're at yeah. Mhmm.\n\nYep. Yeah. Yes. Yep. Yeah.\n\nAbs absolutely. You'll see the interest date to the amount of interest that you are paying. If it's sitting in the offset account, the amount of interest that you are paying on the loan decreases each month as, you know, the amount that you're being assessed at increases or decreases essentially. So if you have, you know, a $500,000 loan now and you've paid off you know, you've got a nice 100,000 sitting there, if you're then paying a thousand dollars per month into the loan extra, the amount you're being assessed at for the interest is the 5,000 minus what's sitting in the, offset account. The difference is where the interest is calculated at.\n\nThe interest is calculated daily as well, not monthly. So you're actually getting calculated interest every single day that the loan is sitting there that you haven't got extra money sitting in the loan. But as a as your offset account increases with the amount sitting there as your balance slowly decreases with the extra payments going into the actual loan, you'll see the amount of interest that you are paying decreases over time, which helps to drop the actual loan balance a little bit more because the same amount of money going on to the loan from your offset account is not not a not being accounted for as interest as much. So it it kind of is a bit weird the way it works, but it absolutely does work. And you do see over time the amount of interest decreases, which means that the the money going on to the actual loan, you know, decreases the balance a little bit faster as well.\n\nYeah. It's a little bit convoluted. Sorry. Yeah. If if you're comfortable with that, I'll take the direction.\n\nSo are you comfortable with me processing that for you as a transaction without any personal advice to make it nice and quick for you? Yep. Beautiful. And you wanna withdraw the full balance from Super? Beautiful.\n\nNot a problem at all. I do need to grab the bank account details to have that transferred into. So can I just stop the recording real quick? Yes. Well, it depends on where you want it to be.\n\nIt would have to be an account that is able to receive the funds, so maybe your offset account. But I just I can pull up the last transaction that we had, and I can confirm the last three digits for you, and you can tell me whether that account is suited. Sorry. Let me one second. It's just loading.\n\nAnd that one doesn't have a bank account on it. None of these even have a bank account on them. That's okay. That's alright. What I'll do are you comfortable with me taking the inform the bank account information over the phone for you?\n\nYeah. What I'm what I'm gonna do is I'm just gonna turn the recording off because we don't like to take bank details over a recorded line. So I'm just gonna turn that off. It won't be one second. Now you might hear a beep.\n\nSo I'm just double checking. I don't remember how to turn it off. Sorry. I haven't done this for a while. One.\n\nOkay. So no. That's okay. Yeah. That's okay.\n\nThis recording should have just been turned off. So you would have heard just a bit of a beep then. Did you hear a beep? Or yep. Yep.\n\nThat's perfect. Excellent. So can I grab the BSB and the account information of you to fill out the forms? Yep. Yep.\n\nYep. Yep. Mhmm. Beautiful. And is the account name both Peter and Yvonne Wooderson?\n\nYep. Perfect. Yep. Perfect. And I'll just read that back to you.\n\nSo b s b, I have 0641 75 and account number 12509 218. Yep. Perfect. And as the transaction request, it's to withdraw the full account balance of your super to your nominated bank account provided for the purpose of sorry. I'm just gonna turn the recording back on down.\n\nWell, apologize for that. All good. So just to confirm, the transaction is to withdraw your full super balance to your nominated bank account ending in 18 for the purpose of paying down the loan balance, saving on interest, and having as a buffer. Is that right? Yep.\n\nBeautiful. Lovely. And you're comfortable with me processing the transaction with that financial advice? Yep. Beautiful.\n\nExcellent. And full balance. Lovely. So what I'll do, Yvonne, is I'll get that transaction with that advice done up for you. I'll do the benefit with payment from the withdrawal form there.\n\nI'll have them emailed through to you via OdooSign. I'll get Sammy to give you a call, let you know when that's emailed through so you can sign it. Once it is signed, we'll sell the investments down and have the funds drawn out. It may take because it is a full sale, it may take about two or three weeks to complete the sell down, but we'll try to make sure it happens as quickly as possible so that we withdraw from action. Yep.\n\nBeautiful. All good. And we'll make sure that you and I sort of touch base. I'll do Peter's annual review moving forward with the two of you. We still got the ETCA on file, make sure all of that's still appropriate for you both.\n\nAnd I can do the annual review with both of you so we can assess Peter's super down the track and look at what your goals are and keep providing advice and looking after you guys so you both have the best possible retirement there. Does that sound okay? Yeah. Beautiful. Fantastic.\n\nI'll double check when his annual review is actually due. Let's have a look. Peter Wooderson. It's due very soon. Says here 04/2026.\n\nSo we'll probably organize and go through a review with him in the next few months and just sort of see, yeah, how things are going. Okay. Awkward. Do you have do you have any questions? Do you do you feel okay?\n\nDo you feel good now that you sort of made that decision? Do you have any questions or concerns? Or Mhmm. Yeah. Yeah.\n\nJust yeah. Just some sort of industry fund one. Yeah. I mean, I could definitely, you know, look at providing advice to help you along the the way there. There are super funds that we can access, but most retail funds to make the fees worth while you need to have a pretty decent super balance.\n\nYeah. But then again, you might sort of start a job and decide you don't lock it anymore and withdraw the funds back out anyway. So yeah. But, no, this will hopefully help. It'll, you know, give you a little bit extra money to as a buffer to sorta help make sure that, you know, you'd have that extra in the in the event that something happens and you have large bills coming in, but then also just making sure you're paying down the loan as quickly as possible as well.\n\nHopefully, it'll alleviate a little bit of pressure and stress for you. Yeah. All good. Do you have any other questions or anything that might come up? Do you want me to clarify anything further for you?\n\nYeah. That's okay. All good. Perfect. Well, I'll get that's okay, Yvonne.\n\nI'll get that sorted for you now. Not an issue at all. Thanks so much. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Yvonne.","start":2.48,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.1072116494178772},{"text":"It's Dana from OCU Financial.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":0.15795011818408966},{"text":"How are you?","start":4.96,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1521913856267929},{"text":"That's okay.","start":8.96,"end":9.78,"sentiment":"neutral","sentiment_score":-0.011228008195757866},{"text":"Yeah.","start":15.12,"end":15.345,"sentiment":"neutral","sentiment_score":-0.010360964573919771}],"sentiment":"neutral","sentiment_score":0.10984085120547277,"num_words":13,"start":2.48,"end":15.345},{"sentences":[{"text":"That's okay.","start":17.745,"end":18.485,"sentiment":"neutral","sentiment_score":0.14297380670905113},{"text":"Honestly, it is not a problem at all.","start":18.545,"end":21.525,"sentiment":"neutral","sentiment_score":0.27029651403427124},{"text":"Sammy got you rebooked in for now, so it's not an issue at all.","start":21.744999,"end":24.785,"sentiment":"neutral","sentiment_score":0.182130044060094},{"text":"And, look, I'll try and take up too much of your time.","start":24.785,"end":26.705,"sentiment":"neutral","sentiment_score":-0.00768424104899168},{"text":"But before we, jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":26.705,"end":31.8,"sentiment":"neutral","sentiment_score":0.04197609067584077}],"sentiment":"neutral","sentiment_score":0.09855592710276445,"num_words":60,"start":17.745,"end":31.8},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":31.8,"end":33.98,"sentiment":"neutral","sentiment_score":0.12377967023187214},{"text":"Beautiful.","start":34.12,"end":34.62,"sentiment":"positive","sentiment_score":0.518885612487793},{"text":"Excellent.","start":35.72,"end":36.12,"sentiment":"positive","sentiment_score":0.5860180258750916},{"text":"And just do a really quick security check there for you.","start":36.12,"end":38.28,"sentiment":"neutral","sentiment_score":0.23344652625647458},{"text":"Just get you to confirm your full name, your date of birth, and address I should have on file.","start":38.28,"end":42.14,"sentiment":"neutral","sentiment_score":0.1474042872064992}],"sentiment":"neutral","sentiment_score":0.18506131502913264,"num_words":41,"start":31.8,"end":42.14},{"sentences":[{"text":"Yep.","start":46.6,"end":46.815,"sentiment":"neutral","sentiment_score":0.031560879200696945},{"text":"Yes, please.","start":48.094997,"end":48.975,"sentiment":"neutral","sentiment_score":0.040418993681669235},{"text":"Yeah.","start":48.975,"end":49.475,"sentiment":"neutral","sentiment_score":0.026522189378738403},{"text":"Beautiful.","start":53.055,"end":53.555,"sentiment":"positive","sentiment_score":0.3626260161399842},{"text":"Thank you so much for that.","start":53.695,"end":55.315,"sentiment":"positive","sentiment_score":0.5419467985630035}],"sentiment":"positive","sentiment_score":0.341202533041889,"num_words":11,"start":46.6,"end":55.315},{"sentences":[{"text":"So I've had a bit of a look at the two different options there for you, and, ultimately, it does come down to what's more important to you, what you wanna do moving forward.","start":55.375,"end":63.92,"sentiment":"neutral","sentiment_score":0.14498701779281392},{"text":"But if we sort of plug the information into the mortgage calculator, at the moment, you currently have about, sorry, twenty six years and ten months left on the mortgage owing.","start":64.7,"end":76.72,"sentiment":"neutral","sentiment_score":0.014256817739336722},{"text":"The current balance is 384,551 and 3¢ there.","start":77.145,"end":82.345,"sentiment":"neutral","sentiment_score":-0.016562067371393954},{"text":"Could have changed since we got the statement, which is okay.","start":82.345,"end":85.085,"sentiment":"neutral","sentiment_score":-0.00342477485537529},{"text":"It does look like you are paying additional or extra onto the mortgage, which is great to help reduce that faster, And the interest rate owing is about 6.8 6.18% currently based on the current interest rate there.","start":85.784996,"end":99.21,"sentiment":"neutral","sentiment_score":0.16765472949727586}],"sentiment":"neutral","sentiment_score":0.09577514612200586,"num_words":122,"start":55.375,"end":99.21},{"sentences":[{"text":"With if you were to take out the balance, which at the moment, you have a 119,109.","start":100.31,"end":105.91,"sentiment":"neutral","sentiment_score":0.03917219939039034},{"text":"If we were to put the 119,000, I'm just using rounded numbers here, it essentially shows as an estimate based on the current circumstances, you could save thirteen years off the loan.","start":105.91,"end":118.415,"sentiment":"neutral","sentiment_score":0.06589197862194851},{"text":"Interest saved over that time frame equates to $297,701.","start":118.76,"end":125.020004,"sentiment":"neutral","sentiment_score":0.14348029096921286},{"text":"So it is good.","start":126.92,"end":127.880005,"sentiment":"positive","sentiment_score":0.5761508420109749},{"text":"It is a great scenario.","start":127.880005,"end":129.02,"sentiment":"positive","sentiment_score":0.6941249251365662}],"sentiment":"neutral","sentiment_score":0.1468809151938602,"num_words":67,"start":100.31,"end":129.02},{"sentences":[{"text":"Within super, the obviously, there's no contributions going into super.","start":129.64,"end":134.385,"sentiment":"neutral","sentiment_score":0.12231411337852478},{"text":"The amount can definitely stay there.","start":134.605,"end":136.44499,"sentiment":"neutral","sentiment_score":0.22456388299663863},{"text":"It can certainly grow.","start":136.44499,"end":139.425,"sentiment":"positive","sentiment_score":0.5111716091632843},{"text":"And with the the investor profile that you're with the portfolio that you're in at the moment that we have to switch you to, that has shown a five year rolling average.","start":140.045,"end":148.87999,"sentiment":"neutral","sentiment_score":0.153281802078709},{"text":"So an average return over the past five five years of 12.97120.97%.","start":148.87999,"end":155.29999,"sentiment":"neutral","sentiment_score":0.11475476870934169}],"sentiment":"neutral","sentiment_score":0.1702700899913907,"num_words":64,"start":129.64,"end":155.29999},{"sentences":[{"text":"One of the biggest things to sort of think about is when you're looking at moving forward, the interest rate within super is never guaranteed.","start":155.68,"end":162.90501,"sentiment":"neutral","sentiment_score":-0.019956453517079354},{"text":"It is based on past performance.","start":163.04501,"end":164.90501,"sentiment":"neutral","sentiment_score":-0.024324237058560055},{"text":"There is no guarantee that future performance is going to be the same.","start":164.96501,"end":168.18501,"sentiment":"neutral","sentiment_score":-0.0765890353001081},{"text":"One of the benefits to putting the funds into the mortgage is that you are reducing the mortgage.","start":168.565,"end":173.445,"sentiment":"neutral","sentiment_score":0.3300926436980565},{"text":"It's a guaranteed rate of return because you're saving that 6.18%.","start":173.445,"end":177.98,"sentiment":"positive","sentiment_score":0.34315563602881}],"sentiment":"neutral","sentiment_score":0.11062829265345449,"num_words":73,"start":155.68,"end":177.98},{"sentences":[{"text":"Moving forward, the other other aspect is it could certainly help down the track when it comes to Centrelink and things like that because your super when do you hit age 67 if you decide you wanna apply for age pension, and I can certainly help you with that.","start":179.0,"end":192.765,"sentiment":"neutral","sentiment_score":0.12156774867706154},{"text":"But if you decide to apply for age pension, your super balance is assessed as an asset, as a financial asset for both the income and the assets test.","start":193.245,"end":201.565,"sentiment":"neutral","sentiment_score":0.02259511686861515},{"text":"Whereas if you put the money on the mortgage, it is completely unaccessible because the money is sitting in your main primary residence, which is Centrelink exempt, essentially.","start":201.565,"end":210.86,"sentiment":"neutral","sentiment_score":-0.13155278377234936},{"text":"Yes.","start":212.6,"end":213.1,"sentiment":"neutral","sentiment_score":-0.031249310821294785},{"text":"That's that is still technically assessed.","start":217.96,"end":220.925,"sentiment":"neutral","sentiment_score":-0.11984419822692871}],"sentiment":"neutral","sentiment_score":0.01927686396953279,"num_words":113,"start":179.0,"end":220.925},{"sentences":[{"text":"It would need to be sitting on the loan itself to be non assessable by Centrelink because they ask for all your bank accounts.","start":221.145,"end":227.40501,"sentiment":"neutral","sentiment_score":-0.06974940118379891},{"text":"And offset account is still a transaction account, so you can still use the money.","start":227.945,"end":232.18501,"sentiment":"neutral","sentiment_score":0.05052965184052785},{"text":"So if it is sitting on the actual loan, it is still usable.","start":232.18501,"end":236.15,"sentiment":"neutral","sentiment_score":0.06576148374006152},{"text":"You can redraw it off if you need to use the funds, but sitting on the loan is more preferable to keep it sheltered away from Stentalink assessment as well.","start":236.15,"end":244.79,"sentiment":"neutral","sentiment_score":-0.042008543759584425},{"text":"So that is one aspect of benefits.","start":244.79,"end":246.73,"sentiment":"neutral","sentiment_score":0.058592517993279865}],"sentiment":"neutral","sentiment_score":-0.010238766842887978,"num_words":89,"start":221.145,"end":246.73},{"sentences":[{"text":"Yeah.","start":246.79,"end":247.245,"sentiment":"neutral","sentiment_score":-0.022967511788010597},{"text":"Sorry.","start":247.245,"end":247.745,"sentiment":"neutral","sentiment_score":-0.14167259633541107},{"text":"Sure.","start":248.685,"end":249.185,"sentiment":"neutral","sentiment_score":-0.10132347047328948},{"text":"No.","start":250.525,"end":250.765,"sentiment":"neutral","sentiment_score":-0.12458185851573944},{"text":"You're not.","start":250.765,"end":251.665,"sentiment":"neutral","sentiment_score":-0.09860549122095108}],"sentiment":"neutral","sentiment_score":-0.09795940325905879,"num_words":6,"start":246.79,"end":251.665},{"sentences":[{"text":"Yes.","start":253.64499,"end":254.14499,"sentiment":"neutral","sentiment_score":0.0008979812264442444},{"text":"Yep.","start":256.76498,"end":257.26498,"sentiment":"neutral","sentiment_score":0.004042742308229208},{"text":"So when you sit on the loan, that is essentially utilizing the redraw facility.","start":264.62,"end":268.56,"sentiment":"neutral","sentiment_score":-0.003480823278161032},{"text":"So when you put the the funds onto the loan, you're actually dropping the balance up front.","start":268.62,"end":274.455,"sentiment":"neutral","sentiment_score":-0.018335570636041024},{"text":"If you think about the loan and the offset account as they are technically two separate accounts, the offset account shows the loan balance at the higher rate.","start":274.455,"end":283.01498,"sentiment":"neutral","sentiment_score":0.02270905300974846}],"sentiment":"neutral","sentiment_score":0.004596032477060303,"num_words":61,"start":253.64499,"end":283.01498},{"sentences":[{"text":"So putting that 119,000, it still shows you owe the 384,000 5 51.","start":283.01498,"end":289.71,"sentiment":"neutral","sentiment_score":0.04487909176028692},{"text":"But when you look at the interest, the interest is calculated on that minus what's in the offset account.","start":290.09,"end":296.03,"sentiment":"neutral","sentiment_score":-0.023337542422507938},{"text":"Whereas putting it on the loan itself drops the balance from that $3.84, essentially, what that would be about 2 sorry.","start":296.25,"end":306.825,"sentiment":"neutral","sentiment_score":-0.06212020470272927},{"text":"If I just go back, drops your balance roughly to 265,000.","start":306.825,"end":313.005,"sentiment":"neutral","sentiment_score":-0.11075560477646915},{"text":"So you would you would actually see your loan balance dropping.","start":313.145,"end":316.64,"sentiment":"neutral","sentiment_score":-0.05526279387148944}],"sentiment":"neutral","sentiment_score":-0.03987615729371707,"num_words":75,"start":283.01498,"end":316.64},{"sentences":[{"text":"Both options both accounts still reduce the amount of interest that you're paying on the loan.","start":317.66,"end":323.76,"sentiment":"neutral","sentiment_score":0.03467694285791367},{"text":"It's just that the money sitting on the actual loan itself has reduced the balance, whereas an offset account is still a transactional account.","start":323.9,"end":330.975,"sentiment":"neutral","sentiment_score":0.05378514543796579},{"text":"You can still use those funds very easily.","start":330.975,"end":333.135,"sentiment":"positive","sentiment_score":0.38641803711652756},{"text":"You can use them from the loan and redraw, but Centrelink still assess an offset account as a bank account, as savings, and money sitting in the yeah.","start":333.135,"end":343.29,"sentiment":"neutral","sentiment_score":0.18554229182856424},{"text":"Sorry.","start":344.25,"end":344.75,"sentiment":"neutral","sentiment_score":-0.11980517208576202}],"sentiment":"neutral","sentiment_score":0.1300311411984942,"num_words":77,"start":317.66,"end":344.75},{"sentences":[{"text":"You're fine.","start":344.81,"end":345.53,"sentiment":"neutral","sentiment_score":-0.05176431685686111},{"text":"You're fine.","start":345.53,"end":346.35,"sentiment":"neutral","sentiment_score":0.02136596105992794},{"text":"Yeah.","start":348.41,"end":348.91,"sentiment":"neutral","sentiment_score":0.005946813151240349},{"text":"Right.","start":350.73,"end":351.23,"sentiment":"neutral","sentiment_score":-0.007611419539898634},{"text":"Yeah.","start":354.17,"end":354.67,"sentiment":"neutral","sentiment_score":-0.04699708893895149}],"sentiment":"neutral","sentiment_score":-0.015636915274496586,"num_words":7,"start":344.81,"end":354.67},{"sentences":[{"text":"Yeah.","start":365.275,"end":365.775,"sentiment":"neutral","sentiment_score":-0.022235281765460968},{"text":"Yeah.","start":366.635,"end":367.135,"sentiment":"neutral","sentiment_score":0.029403546825051308},{"text":"Mhmm.","start":373.89,"end":374.39,"sentiment":"neutral","sentiment_score":-0.07548166811466217},{"text":"Yeah.","start":375.73,"end":376.23,"sentiment":"neutral","sentiment_score":-0.03197351098060608},{"text":"It is.","start":376.37003,"end":376.85,"sentiment":"neutral","sentiment_score":-0.020354931708425283}],"sentiment":"neutral","sentiment_score":-0.023499462908754747,"num_words":6,"start":365.275,"end":376.85},{"sentences":[{"text":"It is ex yeah.","start":376.85,"end":378.05002,"sentiment":"neutral","sentiment_score":-0.034746117889881134},{"text":"No.","start":378.05002,"end":378.37003,"sentiment":"neutral","sentiment_score":-0.09525467455387115},{"text":"He is right.","start":378.37003,"end":379.35,"sentiment":"neutral","sentiment_score":-0.09656174232562383},{"text":"Yep.","start":382.61002,"end":383.11002,"sentiment":"neutral","sentiment_score":-0.01847335696220398},{"text":"It works exactly the same way when you consider the interest portion of it.","start":387.285,"end":391.125,"sentiment":"neutral","sentiment_score":0.046037057015512674}],"sentiment":"neutral","sentiment_score":0.004440046441943749,"num_words":23,"start":376.85,"end":391.125},{"sentences":[{"text":"It's just about how the money is is assessed for settling purposes.","start":391.125,"end":394.80502,"sentiment":"neutral","sentiment_score":-0.024556714886178572},{"text":"When you get to that point, you're still a little ways off.","start":394.80502,"end":397.285,"sentiment":"neutral","sentiment_score":-0.16960603992144266},{"text":"You're not quite at 60 seven yet, But it it works the same way for the interest component.","start":397.285,"end":403.1,"sentiment":"neutral","sentiment_score":-0.008404873621960482},{"text":"It's just that yeah.","start":403.16,"end":405.56,"sentiment":"neutral","sentiment_score":0.11543078301474452},{"text":"It's more just the long term assessment.","start":405.56,"end":407.66,"sentiment":"neutral","sentiment_score":-0.06366510369947978}],"sentiment":"neutral","sentiment_score":-0.046512705221209885,"num_words":53,"start":391.125,"end":407.66},{"sentences":[{"text":"Yeah.","start":409.48,"end":409.98,"sentiment":"neutral","sentiment_score":0.03472227603197098},{"text":"Absolutely.","start":410.04,"end":410.54,"sentiment":"neutral","sentiment_score":0.06193244457244873},{"text":"For the purpose of this, if you decide you wanna withdraw all the super, that's fine.","start":410.76,"end":415.365,"sentiment":"neutral","sentiment_score":0.06176303967367858},{"text":"And considering the offset account, it's still offsetting the amount of interest that you're paying on the loan.","start":415.365,"end":420.265,"sentiment":"neutral","sentiment_score":0.022103577231367428},{"text":"It just shows the loan balance at the higher rate.","start":420.725,"end":423.20502,"sentiment":"neutral","sentiment_score":0.05249629989266395}],"sentiment":"neutral","sentiment_score":0.04364545096683761,"num_words":46,"start":409.48,"end":423.20502},{"sentences":[{"text":"So what happens is the interest on the loan is calculated.","start":423.20502,"end":426.51,"sentiment":"neutral","sentiment_score":0.06108501079407605},{"text":"The loan balance minus what's in the offset account, and that gives you how much interest you're, you know, paying essentially or what balance you're paying interest on.","start":426.51,"end":434.51,"sentiment":"neutral","sentiment_score":0.04237989944938038},{"text":"So the offset account absolutely works the same way.","start":434.51,"end":437.33,"sentiment":"neutral","sentiment_score":0.18426932725641462},{"text":"It's more just looking at the long term assessment down the track.","start":437.47,"end":441.505,"sentiment":"neutral","sentiment_score":0.13273204304277897},{"text":"For now, you know, it's absolutely fine to have that to sit there.","start":441.64502,"end":445.265,"sentiment":"neutral","sentiment_score":0.2296207994222641}],"sentiment":"neutral","sentiment_score":0.11088837202230137,"num_words":73,"start":423.20502,"end":445.265},{"sentences":[{"text":"What I would wanna look at is that when you get to age 67, if you then apply for Centrelink and maybe moving the money onto the loan itself, having a small amount in your offset account.","start":445.405,"end":454.81003,"sentiment":"neutral","sentiment_score":0.15205245968457815},{"text":"That way we could maybe, you know, still get a better assessment and actually drop your balance and shelter money that way.","start":454.81003,"end":461.37003,"sentiment":"neutral","sentiment_score":0.3129605149680918},{"text":"So having a loan will shelter those funds down the track for you.","start":461.37003,"end":465.21002,"sentiment":"positive","sentiment_score":0.5173301444603846},{"text":"Does that make sense?","start":465.21002,"end":466.35,"sentiment":"neutral","sentiment_score":0.23179790750145912},{"text":"You're if it doesn't, let me know.","start":468.01,"end":469.715,"sentiment":"neutral","sentiment_score":-0.004301558115652629}],"sentiment":"neutral","sentiment_score":0.24257162576877928,"num_words":83,"start":445.405,"end":469.715},{"sentences":[{"text":"Please ask any questions you have.","start":469.715,"end":471.655,"sentiment":"neutral","sentiment_score":0.0439184003820022},{"text":"I don't know.","start":474.995,"end":475.555,"sentiment":"neutral","sentiment_score":-0.2530062645673752},{"text":"It's pretty scary inside my head.","start":475.555,"end":477.395,"sentiment":"negative","sentiment_score":-0.36082759499549866},{"text":"Not gonna lie.","start":477.395,"end":478.375,"sentiment":"neutral","sentiment_score":-0.3078540066878001},{"text":"No.","start":483.67,"end":483.99002,"sentiment":"neutral","sentiment_score":-0.21544942259788513}],"sentiment":"neutral","sentiment_score":-0.1999729160023363,"num_words":19,"start":469.715,"end":483.99002},{"sentences":[{"text":"That's okay.","start":483.99002,"end":484.97,"sentiment":"neutral","sentiment_score":-0.28297536075115204},{"text":"No.","start":486.31,"end":486.55002,"sentiment":"neutral","sentiment_score":-0.13583989441394806},{"text":"That's okay.","start":486.55002,"end":487.37,"sentiment":"neutral","sentiment_score":-0.024160015396773815},{"text":"Mhmm.","start":493.51,"end":494.01,"sentiment":"neutral","sentiment_score":-0.11668452620506288},{"text":"Yeah.","start":503.04498,"end":503.54498,"sentiment":"neutral","sentiment_score":-0.02378283068537712}],"sentiment":"neutral","sentiment_score":-0.12722542908574855,"num_words":7,"start":483.99002,"end":503.54498},{"sentences":[{"text":"Yeah.","start":528.915,"end":529.415,"sentiment":"neutral","sentiment_score":0.03912784904241562},{"text":"Yeah.","start":530.995,"end":531.495,"sentiment":"neutral","sentiment_score":0.08783453702926636},{"text":"Well, with Yeah.","start":552.71497,"end":554.095,"sentiment":"neutral","sentiment_score":0.040946568051973976},{"text":"Yeah.","start":554.555,"end":554.875,"sentiment":"neutral","sentiment_score":0.06350857019424438},{"text":"Absolutely.","start":554.875,"end":555.375,"sentiment":"neutral","sentiment_score":0.14717918634414673}],"sentiment":"neutral","sentiment_score":0.06578426382371358,"num_words":7,"start":528.915,"end":555.375},{"sentences":[{"text":"So if we look at the projection table over the next sort of five to ten years, the amount of money growing.","start":556.075,"end":563.09,"sentiment":"neutral","sentiment_score":0.06359576078301127},{"text":"So we are working on a balance of 112 because that's what you had when I did the advice document.","start":563.09,"end":567.67004,"sentiment":"neutral","sentiment_score":0.15111286155879497},{"text":"But as a comparison, from when we did the advice for five years, your super balance could increase to a $167,006.48.","start":567.81,"end":577.645,"sentiment":"neutral","sentiment_score":0.2292488714059194},{"text":"That's if you're able to obtain that 12.97 percent return over the next five years.","start":577.645,"end":583.585,"sentiment":"positive","sentiment_score":0.33815425833066304},{"text":"Over the next ten years correct.","start":584.125,"end":587.16504,"sentiment":"neutral","sentiment_score":0.07889404830833276}],"sentiment":"neutral","sentiment_score":0.17596748134209997,"num_words":84,"start":556.075,"end":587.16504},{"sentences":[{"text":"Yeah.","start":587.16504,"end":587.405,"sentiment":"neutral","sentiment_score":0.15650151669979095},{"text":"It could also, over the next ten years, increase to 252,000.","start":587.405,"end":591.37,"sentiment":"neutral","sentiment_score":0.2144069644537839},{"text":"However, when you consider putting it onto the mortgage, the mortgage calculator shows that the interest saved over the net over the last of the loan is 297,000.","start":591.91003,"end":603.03,"sentiment":"neutral","sentiment_score":0.13248151886676038},{"text":"So, realistically, you're actually saving a little bit more interest on the loan than you would be making in the super.","start":603.03,"end":610.505,"sentiment":"neutral","sentiment_score":0.29885455327374594},{"text":"But it's also gotta be yeah.","start":611.765,"end":617.365,"sentiment":"neutral","sentiment_score":-0.11386177688837051}],"sentiment":"neutral","sentiment_score":0.17637665091610666,"num_words":67,"start":587.16504,"end":617.365},{"sentences":[{"text":"Yeah.","start":617.365,"end":617.765,"sentiment":"neutral","sentiment_score":0.15371203422546387},{"text":"It also means that if you were to sell the property, you have less of a loan to pay off.","start":617.765,"end":623.08997,"sentiment":"neutral","sentiment_score":0.205266597867012},{"text":"So you could end up with more in your back pocket as well.","start":623.08997,"end":626.23,"sentiment":"positive","sentiment_score":0.48718599401987517},{"text":"The only sort of thing to consider is that that money will no longer be sitting in super.","start":626.69,"end":630.93,"sentiment":"neutral","sentiment_score":0.01885435005856885},{"text":"It will be in the loan.","start":630.93,"end":632.14996,"sentiment":"neutral","sentiment_score":0.047172325352827706}],"sentiment":"neutral","sentiment_score":0.19335989943095322,"num_words":58,"start":617.365,"end":632.14996},{"sentences":[{"text":"So interest rates going down, obviously, can have an effect.","start":632.995,"end":636.59503,"sentiment":"neutral","sentiment_score":0.056030964106321336},{"text":"Interest rates going up can still also have an effect.","start":636.59503,"end":639.015,"sentiment":"neutral","sentiment_score":0.0751866053789854},{"text":"You know, you're still Peter still his super is all still here.","start":640.35504,"end":643.955,"sentiment":"neutral","sentiment_score":0.06737290043383837},{"text":"So, you know, we have an ETVA.","start":643.955,"end":645.47504,"sentiment":"neutral","sentiment_score":0.12855652826172964},{"text":"You can still liaise and help, and I can still give you both advice and things like that.","start":645.47504,"end":649.33997,"sentiment":"neutral","sentiment_score":0.16559092534912956}],"sentiment":"neutral","sentiment_score":0.10528390972237837,"num_words":57,"start":632.995,"end":649.33997},{"sentences":[{"text":"That's not a problem at all.","start":649.33997,"end":650.95996,"sentiment":"neutral","sentiment_score":0.13861300672094026},{"text":"It's just about working out what's more important to you.","start":651.33997,"end":654.06,"sentiment":"neutral","sentiment_score":0.16114934161305428},{"text":"Do you want the money sitting in super hoping it's gonna grow and keeping it accessible in the super system, or would you rather just take it out?","start":654.06,"end":662.625,"sentiment":"neutral","sentiment_score":0.07155650295317173},{"text":"You're not working.","start":662.625,"end":663.425,"sentiment":"neutral","sentiment_score":-0.17411917944749197},{"text":"You're over 60.","start":663.425,"end":664.385,"sentiment":"neutral","sentiment_score":-0.10628868639469147}],"sentiment":"neutral","sentiment_score":0.07211059883236885,"num_words":50,"start":649.33997,"end":664.385},{"sentences":[{"text":"It is tax free.","start":664.385,"end":665.505,"sentiment":"neutral","sentiment_score":0.12171364761888981},{"text":"You can access it.","start":665.505,"end":666.705,"sentiment":"neutral","sentiment_score":0.1273930761963129},{"text":"You can take it out, put it on the loan, and save some interest knowing you still have it there if you do choose to or need to access it down the track.","start":666.705,"end":674.565,"sentiment":"neutral","sentiment_score":0.14114060896364125},{"text":"So it's just a a matter of working out what what's more important to you.","start":675.22003,"end":678.9,"sentiment":"neutral","sentiment_score":0.30110470255215965},{"text":"Which way would you like to go?","start":678.9,"end":680.76,"sentiment":"neutral","sentiment_score":0.25358852318355013}],"sentiment":"neutral","sentiment_score":0.1896151935179082,"num_words":63,"start":664.385,"end":680.76},{"sentences":[{"text":"I I can.","start":689.94,"end":690.615,"sentiment":"neutral","sentiment_score":-0.09582169850667317},{"text":"Yeah.","start":691.495,"end":691.995,"sentiment":"neutral","sentiment_score":-0.04947831854224205},{"text":"No.","start":692.055,"end":692.295,"sentiment":"neutral","sentiment_score":-0.19902437925338745},{"text":"I definitely can.","start":692.295,"end":693.675,"sentiment":"neutral","sentiment_score":-0.06997704009215037},{"text":"Yeah.","start":697.895,"end":698.395,"sentiment":"neutral","sentiment_score":0.15812678635120392}],"sentiment":"neutral","sentiment_score":-0.06530801413787736,"num_words":9,"start":689.94,"end":698.395},{"sentences":[{"text":"Absolutely.","start":702.615,"end":703.115,"sentiment":"positive","sentiment_score":0.5298733711242676},{"text":"So I can definitely look at doing a personal advice document, which weighs up a new projection based on super basis on the mortgage and look at, you know, which way you should go to to meet the goal that you're after.","start":703.175,"end":715.06,"sentiment":"positive","sentiment_score":0.4736963418268022},{"text":"But if in my position, if I was your age knowing I wanted to, you know, try and get the mortgage paid down, if paying down my property was my main my main goal, knowing my husband has enough super, is still working, does wanna work a bit longer, we, you know, can probably live off his super and hopefully access Centrelink.","start":716.07996,"end":736.58,"sentiment":"neutral","sentiment_score":0.19056936341427988},{"text":"I would personally, in my shoes, I would look at maybe trying to pay down my mortgage because it is a guaranteed rate of return.","start":737.36005,"end":744.74005,"sentiment":"neutral","sentiment_score":0.125741328895092},{"text":"The interest you're paying fluctuates depending on the interest rate.","start":744.80005,"end":748.42004,"sentiment":"neutral","sentiment_score":0.022061312571167946}],"sentiment":"neutral","sentiment_score":0.2543183329116021,"num_words":140,"start":702.615,"end":748.42004},{"sentences":[{"text":"Interest rates did go up a lot over the past couple of years after COVID.","start":748.97504,"end":752.815,"sentiment":"neutral","sentiment_score":0.06970446134606997},{"text":"They went up to close to, you know, 9% in some some loans, some mortgages, and the risk of that happening again is definitely higher in saying that just making sure you're aware that money is no longer in the super system.","start":752.815,"end":765.48,"sentiment":"neutral","sentiment_score":-0.05492278889176391},{"text":"If you do need it, it's a matter of drawing it out of the mortgage, which then increases the amount of interest you are paying.","start":765.7,"end":772.6,"sentiment":"neutral","sentiment_score":0.08600744724273682},{"text":"But it reduces your loan pretty significantly, reduces the amount of it reduces your minimum mortgage repayments as well.","start":772.74,"end":781.065,"sentiment":"neutral","sentiment_score":0.2650251188560536},{"text":"So, like, if the interest is lower, well, over time, it will.","start":781.065,"end":784.925,"sentiment":"neutral","sentiment_score":0.07417571047941844}],"sentiment":"neutral","sentiment_score":0.060306033201977215,"num_words":113,"start":748.97504,"end":784.925},{"sentences":[{"text":"And the more you keep putting in, put a the same as what he said last time, put all your spare money into the into the offset account, into the mortgage, you'll eventually be paying way more than what you need to be.","start":784.985,"end":796.12,"sentiment":"neutral","sentiment_score":0.07001631481702937},{"text":"That way, interest rates actually have very little effect on your mortgage over time.","start":796.12,"end":800.54,"sentiment":"neutral","sentiment_score":0.04180656054190227},{"text":"But if it was me in my shoes and I had I was at your age and I had a, you know, twenty six year loan on my property, we we don't wanna be paying a mortgage off into our nineties.","start":801.16,"end":811.605,"sentiment":"neutral","sentiment_score":-0.12978503734963695},{"text":"Even though we might wanna sell the property down the track, we don't really know when that's gonna come up or when we wanna sell the property.","start":812.225,"end":818.40497,"sentiment":"neutral","sentiment_score":-0.23394445247120327},{"text":"I would be looking at, you know, trying to reduce my mortgage as much as possible.","start":819.64,"end":823.9,"sentiment":"neutral","sentiment_score":0.03440026706084609}],"sentiment":"neutral","sentiment_score":-0.053129709860745895,"num_words":141,"start":784.985,"end":823.9},{"sentences":[{"text":"That also, when Pete does retire, means that if you don't have the mortgage or have very little mortgage, it also means you can look to draw less money out of the super system from his super to also keep covering your bills and expenses as well.","start":824.28,"end":839.645,"sentiment":"neutral","sentiment_score":0.1047627346471269},{"text":"Yeah.","start":840.585,"end":841.085,"sentiment":"neutral","sentiment_score":0.014907712116837502},{"text":"Correct.","start":843.78503,"end":844.2,"sentiment":"neutral","sentiment_score":0.10165325552225112},{"text":"Yeah.","start":844.44,"end":844.80005,"sentiment":"neutral","sentiment_score":0.062792107462883},{"text":"It also, like, with the amount of stress that you guys have gone through over the last couple of years with loans and repayments and dealing with banks and financial institutions, this might just also alleviate a little bit less stress off your 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at.","start":1094.24,"end":1101.1951,"sentiment":"neutral","sentiment_score":0.06126420060172677}],"sentiment":"neutral","sentiment_score":0.03807298033948867,"num_words":62,"start":1082.095,"end":1101.1951},{"sentences":[{"text":"Because they know when in your fifties and sixties, you're not gonna be working for thirty years.","start":1101.1951,"end":1105.355,"sentiment":"neutral","sentiment_score":-0.05153863307307748},{"text":"So they look at if something was to happen to you, what insurances do you have, how do they call the money back in your super is definitely assessable under the loan for those purposes.","start":1105.355,"end":1115.6,"sentiment":"neutral","sentiment_score":0.05125469411058085},{"text":"But, I mean, with my property, I use my offset account as my savings account.","start":1116.4601,"end":1121.02,"sentiment":"neutral","sentiment_score":0.07462712675333023},{"text":"You know?","start":1121.02,"end":1121.42,"sentiment":"neutral","sentiment_score":0.06193936802446842},{"text":"I draw money back when I need.","start":1121.42,"end":1123.34,"sentiment":"neutral","sentiment_score":0.017799014491694316}],"sentiment":"neutral","sentiment_score":0.030074161452878462,"num_words":76,"start":1101.1951,"end":1123.34},{"sentences":[{"text":"I'll have large bills, but every week, whenever I get paid, my money goes straight into my account.","start":1123.34,"end":1128.765,"sentiment":"neutral","sentiment_score":-0.020284266030001972},{"text":"It sits there until I need to withdraw what I need to back, and I use it as a savings account because like you, I don't wanna have a thirty year loan.","start":1128.765,"end":1137.5651,"sentiment":"neutral","sentiment_score":-0.007662027026526628},{"text":"I would like to pay it off as soon as possible.","start":1137.5651,"end":1139.745,"sentiment":"neutral","sentiment_score":0.15247514031150125},{"text":"And 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you've had all this.","start":1238.095,"end":1239.795,"sentiment":"neutral","sentiment_score":0.06583161056041717},{"text":"Yeah.","start":1242.175,"end":1242.675,"sentiment":"neutral","sentiment_score":0.06561142951250076},{"text":"That's absolutely fine.","start":1243.135,"end":1244.415,"sentiment":"positive","sentiment_score":0.3608786960442861}],"sentiment":"neutral","sentiment_score":0.13477677242322403,"num_words":11,"start":1219.955,"end":1244.415},{"sentences":[{"text":"And, look, honestly, when you think about the last couple of years with everything with the business and the loans and selling all the equipment and where you've called yourself back from.","start":1244.415,"end":1252.3501,"sentiment":"neutral","sentiment_score":0.022288643289357424},{"text":"You've gone through a lot of stress with, you know, loans and things like that.","start":1252.3501,"end":1256.8301,"sentiment":"neutral","sentiment_score":-0.16985511481761933},{"text":"So, you know, it's about just thinking about what is more important to you.","start":1256.8301,"end":1261.01,"sentiment":"neutral","sentiment_score":0.16378393529781274},{"text":"Because, I mean, we can build Peter's super up.","start":1261.0701,"end":1263.4701,"sentiment":"positive","sentiment_score":0.4097501403755612},{"text":"He's still happy to work a bit longer.","start":1263.4701,"end":1265.41,"sentiment":"positive","sentiment_score":0.5188796855509281}],"sentiment":"neutral","sentiment_score":0.106374021858359,"num_words":78,"start":1244.415,"end":1265.41},{"sentences":[{"text":"We can look at, you know, additional contributions and build on that as much as possible.","start":1265.605,"end":1269.605,"sentiment":"positive","sentiment_score":0.3786011915653944},{"text":"He's in that high growth environment.","start":1269.605,"end":1271.1449,"sentiment":"positive","sentiment_score":0.49739692111810047},{"text":"We can kind of work on that moving forward to give you guys the best retirement from his super.","start":1271.205,"end":1275.945,"sentiment":"positive","sentiment_score":0.48693952278087016},{"text":"But is is it more important to you to have that money sitting in super, albeit there's no contributions going in because you're not working?","start":1276.8049,"end":1285.0599,"sentiment":"neutral","sentiment_score":-0.0722702395915985},{"text":"So, you know, it is just sitting there.","start":1285.52,"end":1287.36,"sentiment":"neutral","sentiment_score":0.09857037058100104}],"sentiment":"neutral","sentiment_score":0.2334548445871553,"num_words":74,"start":1265.605,"end":1287.36},{"sentences":[{"text":"It can get a good rate of return within the portfolio that it's in.","start":1287.36,"end":1290.72,"sentiment":"neutral","sentiment_score":0.2309315311057227},{"text":"It has averaged a fantastic return in the past, but returns are not guaranteed in any way, shape, or form.","start":1290.72,"end":1296.3451,"sentiment":"neutral","sentiment_score":0.11617225185036659},{"text":"So there is a chance when five years you may not have, you know, that 165,000.","start":1296.3451,"end":1302.105,"sentiment":"neutral","sentiment_score":0.00913386419415474},{"text":"If there's a market dip in between that, you may only have a 100 thousand in there.","start":1302.105,"end":1305.9451,"sentiment":"neutral","sentiment_score":-0.037591095794649684},{"text":"So with the mortgage, the way we like to sort of see that is it is a guaranteed rate of return.","start":1305.9451,"end":1312.62,"sentiment":"neutral","sentiment_score":0.1662347341577212}],"sentiment":"neutral","sentiment_score":0.09721033054996621,"num_words":88,"start":1287.36,"end":1312.62},{"sentences":[{"text":"I can give you financial advice on which way to go if you'd prefer, but I just need to have a clear goal around is it is your goal to pay down the mortgage, you know, upfront in the next couple of years as much as possible?","start":1313.3201,"end":1325.935,"sentiment":"neutral","sentiment_score":0.2182930291016051},{"text":"When do you wanna sell that property?","start":1325.935,"end":1327.795,"sentiment":"neutral","sentiment_score":-0.051206221005746295},{"text":"You know, what the expectation might be down the track versus your super goal?","start":1328.015,"end":1332.595,"sentiment":"neutral","sentiment_score":-0.029348456966025487},{"text":"But it sounds to me like it's more just less about, getting a a personal advice document and more about your preference.","start":1332.655,"end":1339.59,"sentiment":"neutral","sentiment_score":-0.11453572931614789},{"text":"Are you wanting to maybe save on interest and have the balance decrease quicker or have the money sitting in super hoping to kind of get 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down.","start":1371.19,"end":1374.89,"sentiment":"neutral","sentiment_score":-0.04929262213408947},{"text":"We would forward to your bank account, then you can transfer it across to wherever you'd like it to go.","start":1375.0549,"end":1379.9349,"sentiment":"neutral","sentiment_score":0.13975313156843186}],"sentiment":"neutral","sentiment_score":-0.07215355226681346,"num_words":105,"start":1349.385,"end":1379.9349},{"sentences":[{"text":"It can also be put straight onto the offset account if you'd like to.","start":1379.9349,"end":1385.215,"sentiment":"neutral","sentiment_score":0.09183800326926368},{"text":"We'll just get the bank information there.","start":1385.215,"end":1387.315,"sentiment":"neutral","sentiment_score":0.06041558512619564},{"text":"But just based on what we have, and I can send you the projection table versus versus the loan calculator if you like so you can have a bit of a look at 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you put onto the loan, the less effect interest rate increases have because you're saving interest.","start":1466.955,"end":1476.48,"sentiment":"neutral","sentiment_score":0.2570501118898392},{"text":"You're paying the loan down faster and reducing as quickly as possible.","start":1476.48,"end":1479.94,"sentiment":"positive","sentiment_score":0.3641839375098546},{"text":"And that can provide a benefit down the track, as I said, at age 67.","start":1480.08,"end":1484.08,"sentiment":"positive","sentiment_score":0.509884903828303}],"sentiment":"neutral","sentiment_score":0.23130558176587027,"num_words":120,"start":1444.405,"end":1484.08},{"sentences":[{"text":"If we look at Centrelink, then, you know, we can look at ways to shelter money.","start":1484.08,"end":1489.695,"sentiment":"neutral","sentiment_score":0.17667376715689898},{"text":"If you then decide to sell the property down the track as well and you do get a nice whack of money, you buy something smaller.","start":1489.695,"end":1496.415,"sentiment":"neutral","sentiment_score":0.21837645339278075},{"text":"If you have funds left over, we can look at putting that money maybe into Peter's super or finding a way to invest it for you guys.","start":1496.415,"end":1503.29,"sentiment":"neutral","sentiment_score":0.284886352441929},{"text":"So as a supplement to his super, you know, we'll we'll keep doing reviews with our even if you take your funds out, I'll still talk to you.","start":1503.29,"end":1511.29,"sentiment":"neutral","sentiment_score":0.14131541470331804},{"text":"We've got the ETCA on file.","start":1511.29,"end":1513.05,"sentiment":"neutral","sentiment_score":0.11862973993023236}],"sentiment":"neutral","sentiment_score":0.20257387990222395,"num_words":103,"start":1484.08,"end":1513.05},{"sentences":[{"text":"I'll do Peter's annual review with the both of you so we can get a feel for what your goals are.","start":1513.05,"end":1517.885,"sentiment":"neutral","sentiment_score":0.19735961371944064},{"text":"We can keep boosting his super, maybe put more money into it, increase his contributions as much as possible, and find ways to make sure that his super is there gonna support the both of you.","start":1517.885,"end":1528.605,"sentiment":"positive","sentiment_score":0.45636280957195496},{"text":"So there's definitely a way forward that that you can do both.","start":1528.605,"end":1533.65,"sentiment":"positive","sentiment_score":0.4176105186343193},{"text":"Pay down the mortgage as quickly as possible and also kind of build his super for retirement and look at ways to offset with Centrelink, which I can absolutely advise on for you there as well.","start":1533.65,"end":1544.075,"sentiment":"neutral","sentiment_score":0.3131053223171168},{"text":"Okay.","start":1544.215,"end":1544.715,"sentiment":"neutral","sentiment_score":0.08658136427402496}],"sentiment":"positive","sentiment_score":0.3485218134339688,"num_words":106,"start":1513.05,"end":1544.715},{"sentences":[{"text":"All good.","start":1546.375,"end":1547.0349,"sentiment":"positive","sentiment_score":0.4846571236848831},{"text":"Mhmm.","start":1551.6549,"end":1552.1549,"sentiment":"neutral","sentiment_score":0.12760266661643982},{"text":"Mhmm.","start":1552.615,"end":1553.115,"sentiment":"neutral","sentiment_score":0.13671767711639404},{"text":"Yep.","start":1559.4299,"end":1559.9299,"sentiment":"neutral","sentiment_score":0.17714206874370575},{"text":"Yep.","start":1563.59,"end":1564.09,"sentiment":"positive","sentiment_score":0.399591863155365}],"sentiment":"neutral","sentiment_score":0.30172808716694516,"num_words":6,"start":1546.375,"end":1564.09},{"sentences":[{"text":"Yep.","start":1565.02,"end":1565.27,"sentiment":"neutral","sentiment_score":0.08207430690526962},{"text":"Yep.","start":1565.27,"end":1565.77,"sentiment":"neutral","sentiment_score":0.03383694589138031},{"text":"Yeah.","start":1570.87,"end":1571.235,"sentiment":"neutral","sentiment_score":-0.12233761698007584},{"text":"Yeah.","start":1575.795,"end":1576.115,"sentiment":"neutral","sentiment_score":0.017693717032670975},{"text":"Yeah.","start":1576.115,"end":1576.515,"sentiment":"neutral","sentiment_score":0.015489216893911362}],"sentiment":"neutral","sentiment_score":0.005351313948631286,"num_words":5,"start":1565.02,"end":1576.515},{"sentences":[{"text":"No.","start":1576.515,"end":1576.755,"sentiment":"neutral","sentiment_score":-0.02612490952014923},{"text":"And we can definitely pop that into super.","start":1576.755,"end":1578.6749,"sentiment":"neutral","sentiment_score":0.2150060310959816},{"text":"There are ways that we can build and add additional contributions to provide benefits.","start":1578.6749,"end":1583.575,"sentiment":"neutral","sentiment_score":0.30035359944616047},{"text":"So there's yeah.","start":1583.795,"end":1584.915,"sentiment":"neutral","sentiment_score":0.24713492393493652},{"text":"We can help you in that area.","start":1584.915,"end":1586.5499,"sentiment":"neutral","sentiment_score":0.3070385924407414}],"sentiment":"neutral","sentiment_score":0.26634995910254394,"num_words":33,"start":1576.515,"end":1586.5499},{"sentences":[{"text":"Absolutely.","start":1586.5499,"end":1587.0499,"sentiment":"neutral","sentiment_score":0.2534688413143158},{"text":"Yeah.","start":1588.07,"end":1588.57,"sentiment":"neutral","sentiment_score":0.10640251636505128},{"text":"Yeah.","start":1589.35,"end":1589.85,"sentiment":"neutral","sentiment_score":0.0588618665933609},{"text":"No.","start":1596.3099,"end":1596.8099,"sentiment":"neutral","sentiment_score":-0.18092408776283264},{"text":"It is up to you.","start":1597.83,"end":1599.11,"sentiment":"neutral","sentiment_score":0.06878015697002411}],"sentiment":"neutral","sentiment_score":0.06463443570666844,"num_words":9,"start":1586.5499,"end":1599.11},{"sentences":[{"text":"You can take a minute to think about it you like, or you can decide now.","start":1599.11,"end":1603.5751,"sentiment":"neutral","sentiment_score":0.10334396758116782},{"text":"It's completely up to you.","start":1603.5751,"end":1605.0951,"sentiment":"neutral","sentiment_score":0.1995830774307251},{"text":"It's however you are feeling.","start":1605.0951,"end":1606.635,"sentiment":"neutral","sentiment_score":0.10162552297115326},{"text":"It honest it really doesn't worry me in any way, shape, or form.","start":1621.54,"end":1625.22,"sentiment":"neutral","sentiment_score":0.09401082362119968},{"text":"It's not about for me, it's not about how much you pay us or it's for me, it's the value.","start":1625.22,"end":1631.425,"sentiment":"neutral","sentiment_score":0.07878512926399708}],"sentiment":"neutral","sentiment_score":0.10097270806209516,"num_words":59,"start":1599.11,"end":1631.425},{"sentences":[{"text":"So as a financial adviser, I have to work in your best interest.","start":1631.425,"end":1634.4651,"sentiment":"neutral","sentiment_score":0.14843932768473259},{"text":"And when your best interest conflicts with our company, then I choose you over them every single time.","start":1634.4651,"end":1640.625,"sentiment":"neutral","sentiment_score":0.16631664149463177},{"text":"So as much as Peter is on the coupling fee at the moment, it does mean that his ongoing service fee next year will probably change, but we're also having a change to the fee structure in that time anyway.","start":1640.625,"end":1652.54,"sentiment":"neutral","sentiment_score":0.07899506692774594},{"text":"So his fee will not change this year.","start":1652.54,"end":1654.54,"sentiment":"neutral","sentiment_score":0.024718380067497492},{"text":"He stays on 1.1% regardless of what's happening until annual review.","start":1654.54,"end":1658.875,"sentiment":"neutral","sentiment_score":0.059578986330465836}],"sentiment":"neutral","sentiment_score":0.09929254860099819,"num_words":90,"start":1631.425,"end":1658.875},{"sentences":[{"text":"And that annual review time, I'll go through the changes with you.","start":1659.095,"end":1662.135,"sentiment":"neutral","sentiment_score":0.09320978509883086},{"text":"We'll look at the fee structure.","start":1662.135,"end":1663.3351,"sentiment":"neutral","sentiment_score":0.09653427327672641},{"text":"We'll look at the goals.","start":1663.3351,"end":1664.295,"sentiment":"neutral","sentiment_score":0.1356214851140976},{"text":"We'll look at what's happening.","start":1664.295,"end":1665.415,"sentiment":"neutral","sentiment_score":0.14120115637779235},{"text":"It's absolutely fine.","start":1665.415,"end":1666.7151,"sentiment":"positive","sentiment_score":0.4155359168847402}],"sentiment":"neutral","sentiment_score":0.1396272264180645,"num_words":31,"start":1659.095,"end":1666.7151},{"sentences":[{"text":"But it's gotta be more in your comfort level.","start":1667.3351,"end":1669.51,"sentiment":"neutral","sentiment_score":0.1287674316101604},{"text":"So, you know, if you wanna take a day or two to have a think about it, then let me know.","start":1669.51,"end":1673.91,"sentiment":"neutral","sentiment_score":0.1705071393932615},{"text":"Absolutely fine.","start":1673.91,"end":1675.05,"sentiment":"positive","sentiment_score":0.40492455661296844},{"text":"If you wanna decide now, you can decide you can call me back later afternoon.","start":1676.7101,"end":1680.495,"sentiment":"neutral","sentiment_score":0.1958520402510961},{"text":"Go, hey.","start":1680.495,"end":1681.155,"sentiment":"neutral","sentiment_score":0.1710476353764534}],"sentiment":"neutral","sentiment_score":0.1801894244794943,"num_words":49,"start":1667.3351,"end":1681.155},{"sentences":[{"text":"I thought about it.","start":1681.215,"end":1682.095,"sentiment":"neutral","sentiment_score":0.2024129070341587},{"text":"Let's do it, and I will do whatever I need to to get it sorted for you.","start":1682.095,"end":1685.795,"sentiment":"neutral","sentiment_score":0.3016333203105366},{"text":"But, yeah, don't think about the fees.","start":1687.215,"end":1688.895,"sentiment":"neutral","sentiment_score":-0.08404688856431416},{"text":"I'm paid away for me coming into work every day.","start":1688.895,"end":1692.975,"sentiment":"neutral","sentiment_score":-0.05493620559573174},{"text":"I'm not paid any additional commission for how many clients I sign or who stays on board.","start":1692.975,"end":1697.9,"sentiment":"neutral","sentiment_score":0.027285331011037615}],"sentiment":"neutral","sentiment_score":0.09570142590356144,"num_words":55,"start":1681.215,"end":1697.9},{"sentences":[{"text":"It's all gotta be what's right for you.","start":1697.9,"end":1699.58,"sentiment":"neutral","sentiment_score":0.16214213334023952},{"text":"And I think one of the biggest things that you've had on your mind over the past couple of years is how to pay all these loans down, how to get out of debt as quickly as possible, and you've had a lot a lot of stress in that area for the past few years.","start":1699.58,"end":1712.405,"sentiment":"neutral","sentiment_score":-0.0418391903354363},{"text":"So it's been a lot.","start":1712.405,"end":1715.865,"sentiment":"neutral","sentiment_score":-0.038240290433168414},{"text":"Mhmm.","start":1722.37,"end":1722.87,"sentiment":"neutral","sentiment_score":-0.09537690877914427},{"text":"No.","start":1728.61,"end":1729.11,"sentiment":"neutral","sentiment_score":-0.25112542510032654}],"sentiment":"neutral","sentiment_score":-0.02202460268246276,"num_words":70,"start":1697.9,"end":1729.11},{"sentences":[{"text":"No.","start":1729.65,"end":1729.97,"sentiment":"negative","sentiment_score":-0.3358869254589081},{"text":"No.","start":1729.97,"end":1730.13,"sentiment":"negative","sentiment_score":-0.3661209046840668},{"text":"No.","start":1730.13,"end":1730.4501,"sentiment":"negative","sentiment_score":-0.4138581752777099},{"text":"Definitely not.","start":1730.4501,"end":1731.41,"sentiment":"negative","sentiment_score":-0.4387587308883667},{"text":"I mean, they'll get less interest than what they probably expected from the loan, but that's not your problem in any way, shape, or form.","start":1731.41,"end":1738.325,"sentiment":"neutral","sentiment_score":-0.09361776262521744}],"sentiment":"neutral","sentiment_score":-0.14446091776092848,"num_words":30,"start":1729.65,"end":1738.325},{"sentences":[{"text":"So when you do a loan application, they normally ask you a lot of questions about your income, your assets, how much the loan amount is for.","start":1738.325,"end":1745.525,"sentiment":"neutral","sentiment_score":0.09756262117513904},{"text":"They check the valuation of the property, but they also ask you for what's your super, what you know, things like that.","start":1745.525,"end":1751.7001,"sentiment":"neutral","sentiment_score":0.05454977246170694},{"text":"And you tend to have to ask loads of the questions because when you're older, they're looking for an exit strategy.","start":1751.7001,"end":1756.6,"sentiment":"neutral","sentiment_score":0.014181945606001787},{"text":"They're basically saying, well, what is the risk what is the risk of this loan application, you know, being defaulted?","start":1756.98,"end":1764.04,"sentiment":"neutral","sentiment_score":-0.03806076645851135},{"text":"What happens if the client can't pay this back?","start":1764.18,"end":1766.435,"sentiment":"neutral","sentiment_score":-0.11594018174542321}],"sentiment":"neutral","sentiment_score":0.02350939049225564,"num_words":99,"start":1738.325,"end":1766.435},{"sentences":[{"text":"How old are they?","start":1766.435,"end":1767.3151,"sentiment":"neutral","sentiment_score":-0.07010457571595907},{"text":"Can they access their super?","start":1767.3151,"end":1768.8551,"sentiment":"neutral","sentiment_score":-0.03150757625699043},{"text":"How much is their super balance?","start":1769.395,"end":1770.8351,"sentiment":"neutral","sentiment_score":0.0028623834562798343},{"text":"Or if they get to sixty, sixty five and don't wish to work any longer, can they use it to pay off the 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the bank, so they're generally pretty happy with that.","start":1801.1349,"end":1806.5149,"sentiment":"neutral","sentiment_score":0.304951324313879},{"text":"But, yeah, if you if that's what you would like to do, absolutely, the other option to consider is keeping it in super.","start":1807.13,"end":1812.97,"sentiment":"neutral","sentiment_score":0.15069879656252655},{"text":"Admittedly, there's no contributions there.","start":1812.97,"end":1814.8899,"sentiment":"neutral","sentiment_score":-0.026135830022394658}],"sentiment":"neutral","sentiment_score":0.26786125990237747,"num_words":89,"start":1788.14,"end":1814.8899},{"sentences":[{"text":"We could look to make contributions to boost and benefit that a little bit more, But it'll Correct.","start":1814.8899,"end":1824.665,"sentiment":"neutral","sentiment_score":0.09217265869180362},{"text":"Get stuff done.","start":1827.6849,"end":1828.985,"sentiment":"neutral","sentiment_score":-0.1060996949672699},{"text":"A 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that's good.","start":1915.1901,"end":1916.25,"sentiment":"neutral","sentiment_score":-0.05903625736633936}],"sentiment":"neutral","sentiment_score":-0.03916739246674946,"num_words":7,"start":1871.35,"end":1916.25},{"sentences":[{"text":"Yeah.","start":1917.8301,"end":1918.3301,"sentiment":"neutral","sentiment_score":-0.08966588228940964},{"text":"Yep.","start":1922.55,"end":1923.05,"sentiment":"neutral","sentiment_score":-0.25306349992752075},{"text":"Oh, and then you have to get on and book another flight.","start":1924.0701,"end":1927.37,"sentiment":"neutral","sentiment_score":-0.19002377366026243},{"text":"Yeah.","start":1931.385,"end":1931.885,"sentiment":"neutral","sentiment_score":-0.16447755694389343},{"text":"Yeah.","start":1936.665,"end":1936.985,"sentiment":"neutral","sentiment_score":0.19388139247894287}],"sentiment":"neutral","sentiment_score":-0.16210067691281438,"num_words":16,"start":1917.8301,"end":1936.985},{"sentences":[{"text":"That's 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the interest rates still go up, you're still saving on the interest there.","start":1963.4149,"end":1967.195,"sentiment":"neutral","sentiment_score":0.3108402341604233},{"text":"There's no, you know, ups and downs with the market.","start":1967.575,"end":1970.2949,"sentiment":"neutral","sentiment_score":0.08010695353150368},{"text":"You don't have to work the contributions aspect there.","start":1970.2949,"end":1973.0349,"sentiment":"neutral","sentiment_score":0.07563140036331283},{"text":"And, I mean, with what you sort of told me, you also then have access to additional funds quickly if, say, something like the flights are canceled and you need that additional money.","start":1973.7201,"end":1982.52,"sentiment":"neutral","sentiment_score":0.2116263538147464},{"text":"So there are definitely benefits to doing it that way, plus also your peace of mind of knowing you've got you know, you've dropped the loan balance quite 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absolutely.","start":2049.93,"end":2051.23,"sentiment":"neutral","sentiment_score":0.09255760908126831},{"text":"You'll see the interest date to the amount of interest that you are paying.","start":2051.45,"end":2054.57,"sentiment":"neutral","sentiment_score":0.017266891497586454},{"text":"If it's sitting in the offset account, the amount of interest that you are paying on the loan decreases each month as, you know, the amount that you're being assessed at increases or decreases essentially.","start":2054.57,"end":2065.445,"sentiment":"neutral","sentiment_score":-0.024555619480088352},{"text":"So if you have, you know, a $500,000 loan now and you've paid off you know, you've got a nice 100,000 sitting there, if you're then paying a thousand dollars per month into the loan extra, the amount you're being assessed at for the interest is the 5,000 minus what's sitting in the, offset account.","start":2065.445,"end":2084.28,"sentiment":"neutral","sentiment_score":0.015463907982815396},{"text":"The difference is where the interest is calculated at.","start":2084.5798,"end":2087.7,"sentiment":"neutral","sentiment_score":0.005276692203349537}],"sentiment":"neutral","sentiment_score":0.004047045097483889,"num_words":115,"start":2049.93,"end":2087.7},{"sentences":[{"text":"The interest is calculated daily as well, not monthly.","start":2087.7,"end":2090.9,"sentiment":"neutral","sentiment_score":0.018565553550918896},{"text":"So you're actually getting calculated interest every single day that the loan is sitting there that you haven't got extra money sitting in the loan.","start":2090.9,"end":2098.2148,"sentiment":"neutral","sentiment_score":-0.008382035940885544},{"text":"But as a as your offset account increases with the amount sitting there as your balance slowly decreases with the extra payments going into the actual loan, you'll see the amount of interest that you are paying decreases over time, which helps to drop the actual loan balance a little bit more because the same amount of money going on to the loan from your offset account is not not a not being accounted for as interest as much.","start":2098.515,"end":2124.805,"sentiment":"neutral","sentiment_score":-0.08179548102183433},{"text":"So it it kind of is a bit weird the way it works, but it absolutely does work.","start":2124.805,"end":2129.525,"sentiment":"neutral","sentiment_score":0.07275809575286177},{"text":"And you do see over time the amount of interest decreases, which means that the the money going on to the actual loan, you know, decreases the balance a little bit faster as well.","start":2129.525,"end":2139.1099,"sentiment":"neutral","sentiment_score":-0.031940694651840365}],"sentiment":"neutral","sentiment_score":-0.038064495829696,"num_words":165,"start":2087.7,"end":2139.1099},{"sentences":[{"text":"Yeah.","start":2140.93,"end":2141.33,"sentiment":"neutral","sentiment_score":0.015457923524081709},{"text":"It's a little bit convoluted.","start":2141.33,"end":2142.71,"sentiment":"neutral","sentiment_score":-0.04989104606211185},{"text":"Sorry.","start":2142.8499,"end":2143.3499,"sentiment":"neutral","sentiment_score":-0.04186849296092987},{"text":"Yeah.","start":2144.21,"end":2144.53,"sentiment":"neutral","sentiment_score":0.0026725279167294502},{"text":"If if you're comfortable with that, I'll take the direction.","start":2144.53,"end":2147.985,"sentiment":"neutral","sentiment_score":0.0784959270618856}],"sentiment":"neutral","sentiment_score":0.028431444377120998,"num_words":18,"start":2140.93,"end":2147.985},{"sentences":[{"text":"So are you comfortable with me processing that for you as a transaction without any personal advice to make it nice and quick for you?","start":2148.145,"end":2155.185,"sentiment":"neutral","sentiment_score":0.09758987337350845},{"text":"Yep.","start":2155.185,"end":2155.685,"sentiment":"neutral","sentiment_score":0.08387704938650131},{"text":"Beautiful.","start":2156.465,"end":2156.965,"sentiment":"positive","sentiment_score":0.4293688237667084},{"text":"And you wanna withdraw the full balance from Super?","start":2157.1052,"end":2160.0051,"sentiment":"neutral","sentiment_score":0.1461574567688836},{"text":"Beautiful.","start":2161.905,"end":2162.405,"sentiment":"neutral","sentiment_score":0.1444101333618164}],"sentiment":"neutral","sentiment_score":0.1192654041019646,"num_words":37,"start":2148.145,"end":2162.405},{"sentences":[{"text":"Not a problem at all.","start":2162.5452,"end":2163.925,"sentiment":"positive","sentiment_score":0.3662154614925385},{"text":"I do need to grab the bank account details to have that transferred into.","start":2164.28,"end":2168.54,"sentiment":"neutral","sentiment_score":0.061851480044424534},{"text":"So can I just stop the recording real quick?","start":2168.92,"end":2172.3599,"sentiment":"neutral","sentiment_score":0.018308929685089324},{"text":"Yes.","start":2172.3599,"end":2172.8599,"sentiment":"neutral","sentiment_score":0.0862703025341034},{"text":"Well, it depends on where you want it to be.","start":2180.375,"end":2182.775,"sentiment":"neutral","sentiment_score":-0.01935367742553353}],"sentiment":"neutral","sentiment_score":0.07062851085972327,"num_words":39,"start":2162.5452,"end":2182.775},{"sentences":[{"text":"It would have to be an account that is able to receive the funds, so maybe your offset account.","start":2182.775,"end":2187.515,"sentiment":"neutral","sentiment_score":-0.014246000467162383},{"text":"But I just I can pull up the last transaction that we had, and I can confirm the last three digits for you, and you can tell me whether that account is suited.","start":2188.135,"end":2199.1401,"sentiment":"neutral","sentiment_score":0.10198740266037709},{"text":"Sorry.","start":2217.435,"end":2217.675,"sentiment":"neutral","sentiment_score":-0.07195524871349335},{"text":"Let me one second.","start":2217.675,"end":2218.65,"sentiment":"neutral","sentiment_score":-0.06494279112666845},{"text":"It's just loading.","start":2218.65,"end":2219.5498,"sentiment":"neutral","sentiment_score":-0.09138369063536327}],"sentiment":"neutral","sentiment_score":0.0414838798965017,"num_words":60,"start":2182.775,"end":2219.5498},{"sentences":[{"text":"And that one doesn't have a bank account on it.","start":2224.73,"end":2227.23,"sentiment":"neutral","sentiment_score":-0.13053224459290505},{"text":"None of these even have a bank account on them.","start":2234.25,"end":2236.535,"sentiment":"neutral","sentiment_score":-0.15804775357246398},{"text":"That's okay.","start":2236.9949,"end":2237.7349,"sentiment":"neutral","sentiment_score":0.12381568178534508},{"text":"That's alright.","start":2239.075,"end":2239.795,"sentiment":"neutral","sentiment_score":0.1895727664232254},{"text":"What I'll do are you comfortable with me taking the inform the bank account information over the phone for you?","start":2239.795,"end":2245.575,"sentiment":"neutral","sentiment_score":0.07148710954934359}],"sentiment":"neutral","sentiment_score":-0.018847293051129036,"num_words":44,"start":2224.73,"end":2245.575},{"sentences":[{"text":"Yeah.","start":2246.275,"end":2246.595,"sentiment":"neutral","sentiment_score":0.02928227186203003},{"text":"What I'm what I'm gonna do is I'm just gonna turn the recording off because we don't like to take bank details over a recorded line.","start":2246.595,"end":2252.83,"sentiment":"neutral","sentiment_score":-0.06407227309850547},{"text":"So I'm just gonna turn that off.","start":2252.83,"end":2254.6702,"sentiment":"neutral","sentiment_score":-0.056132921150752475},{"text":"It won't be one second.","start":2254.6702,"end":2256.37,"sentiment":"neutral","sentiment_score":-0.0644984282553196},{"text":"Now you might hear a beep.","start":2256.75,"end":2258.37,"sentiment":"neutral","sentiment_score":-0.043354946499069534}],"sentiment":"neutral","sentiment_score":-0.05804775771167543,"num_words":45,"start":2246.275,"end":2258.37},{"sentences":[{"text":"So I'm just double checking.","start":2259.3901,"end":2260.83,"sentiment":"neutral","sentiment_score":-0.049080416560173035},{"text":"I don't remember how to turn it off.","start":2260.83,"end":2262.03,"sentiment":"neutral","sentiment_score":-0.08615503506734967},{"text":"Sorry.","start":2262.03,"end":2262.27,"sentiment":"neutral","sentiment_score":-0.1453053653240204},{"text":"I haven't done this for a while.","start":2262.27,"end":2263.6501,"sentiment":"neutral","sentiment_score":-0.148537563426154},{"text":"One.","start":2264.7449,"end":2265.2449,"sentiment":"neutral","sentiment_score":-0.009295235387980938}],"sentiment":"neutral","sentiment_score":-0.096772995819761,"num_words":22,"start":2259.3901,"end":2265.2449},{"sentences":[{"text":"Okay.","start":2266.105,"end":2266.505,"sentiment":"neutral","sentiment_score":0.0001641707494854927},{"text":"So no.","start":2266.505,"end":2274.4248,"sentiment":"neutral","sentiment_score":-0.05262371338903904},{"text":"That's okay.","start":2274.4248,"end":2275.2449,"sentiment":"neutral","sentiment_score":-0.09551953617483377},{"text":"Yeah.","start":2275.7048,"end":2275.9448,"sentiment":"neutral","sentiment_score":-0.015943916514515877},{"text":"That's okay.","start":2275.9448,"end":2276.765,"sentiment":"neutral","sentiment_score":0.00947494781576097}],"sentiment":"neutral","sentiment_score":-0.03663954365765676,"num_words":8,"start":2266.105,"end":2276.765},{"sentences":[{"text":"This recording should have just been turned off.","start":2276.825,"end":2279.4648,"sentiment":"neutral","sentiment_score":-0.06686460692435503},{"text":"So you would have heard just a bit of a beep then.","start":2279.4648,"end":2282.18,"sentiment":"neutral","sentiment_score":-0.03876747625569502},{"text":"Did you hear a beep?","start":2282.18,"end":2283.22,"sentiment":"neutral","sentiment_score":-0.02315741330385208},{"text":"Or yep.","start":2283.22,"end":2288.5999,"sentiment":"neutral","sentiment_score":-0.023591062985360622},{"text":"Yep.","start":2289.38,"end":2289.7,"sentiment":"neutral","sentiment_score":0.13614431023597717}],"sentiment":"neutral","sentiment_score":-0.03667683759704232,"num_words":28,"start":2276.825,"end":2289.7},{"sentences":[{"text":"That's perfect.","start":2289.7,"end":2290.52,"sentiment":"positive","sentiment_score":0.36580740660429},{"text":"Excellent.","start":2290.66,"end":2291.16,"sentiment":"positive","sentiment_score":0.7126892805099487},{"text":"So can I grab the BSB and the account information of you to fill out the forms?","start":2291.22,"end":2297.175,"sentiment":"neutral","sentiment_score":0.06489495648180738},{"text":"Yep.","start":2300.195,"end":2300.695,"sentiment":"neutral","sentiment_score":0.019694242626428604},{"text":"Yep.","start":2302.595,"end":2303.095,"sentiment":"neutral","sentiment_score":0.013371659442782402}],"sentiment":"neutral","sentiment_score":0.1172992843626575,"num_words":22,"start":2289.7,"end":2303.095},{"sentences":[{"text":"Yep.","start":2305.715,"end":2306.1,"sentiment":"neutral","sentiment_score":0.017062541097402573},{"text":"Yep.","start":2314.74,"end":2315.24,"sentiment":"neutral","sentiment_score":0.035343945026397705},{"text":"Mhmm.","start":2315.54,"end":2316.04,"sentiment":"neutral","sentiment_score":0.08235818147659302},{"text":"Beautiful.","start":2316.4202,"end":2316.9202,"sentiment":"positive","sentiment_score":0.3736505210399628},{"text":"And is the account name both Peter and Yvonne Wooderson?","start":2317.3801,"end":2320.4402,"sentiment":"neutral","sentiment_score":0.07878502421081066}],"sentiment":"neutral","sentiment_score":0.09259038791060448,"num_words":14,"start":2305.715,"end":2320.4402},{"sentences":[{"text":"Yep.","start":2322.155,"end":2322.635,"sentiment":"neutral","sentiment_score":0.12400530278682707},{"text":"Perfect.","start":2322.635,"end":2323.135,"sentiment":"neutral","sentiment_score":0.2520003914833069},{"text":"Yep.","start":2325.835,"end":2326.315,"sentiment":"neutral","sentiment_score":0.11354649066925047},{"text":"Perfect.","start":2326.315,"end":2326.795,"sentiment":"neutral","sentiment_score":0.29923707246780396},{"text":"And I'll just read that back to you.","start":2326.795,"end":2328.155,"sentiment":"neutral","sentiment_score":0.149278674274683}],"sentiment":"neutral","sentiment_score":0.1652515543003877,"num_words":12,"start":2322.155,"end":2328.155},{"sentences":[{"text":"So b s b, I have 0641 75 and account number 12509 218.","start":2328.155,"end":2337.8699,"sentiment":"neutral","sentiment_score":0.02871853313766993},{"text":"Yep.","start":2339.21,"end":2339.71,"sentiment":"neutral","sentiment_score":0.1290268748998642},{"text":"Perfect.","start":2339.77,"end":2340.27,"sentiment":"positive","sentiment_score":0.3503111004829407},{"text":"And as the transaction request, it's to withdraw the full account balance of your super to your nominated bank account provided for the purpose of sorry.","start":2341.13,"end":2353.215,"sentiment":"neutral","sentiment_score":0.06362830353184389},{"text":"I'm just gonna turn the recording back on down.","start":2353.215,"end":2355.135,"sentiment":"neutral","sentiment_score":-0.010190894309845235}],"sentiment":"neutral","sentiment_score":0.04830593498423696,"num_words":50,"start":2328.155,"end":2355.135},{"sentences":[{"text":"Well, apologize for that.","start":2355.135,"end":2356.595,"sentiment":"neutral","sentiment_score":-0.01742537599056959},{"text":"All good.","start":2358.175,"end":2358.655,"sentiment":"neutral","sentiment_score":0.31014198064804077},{"text":"So just to confirm, the transaction is to withdraw your full super balance to your nominated bank account ending in 18 for the purpose of paying down the loan balance, saving on interest, and having as a buffer.","start":2358.655,"end":2371.5999,"sentiment":"neutral","sentiment_score":0.0837303607871658},{"text":"Is that right?","start":2371.66,"end":2372.48,"sentiment":"neutral","sentiment_score":0.054752527425686516},{"text":"Yep.","start":2373.9,"end":2374.275,"sentiment":"neutral","sentiment_score":0.13131307065486908}],"sentiment":"neutral","sentiment_score":0.08391472542037566,"num_words":48,"start":2355.135,"end":2374.275},{"sentences":[{"text":"Beautiful.","start":2374.515,"end":2375.015,"sentiment":"positive","sentiment_score":0.5046286582946777},{"text":"Lovely.","start":2375.315,"end":2375.795,"sentiment":"positive","sentiment_score":0.4699733853340149},{"text":"And you're comfortable with me processing the transaction with that financial advice?","start":2375.795,"end":2379.4148,"sentiment":"neutral","sentiment_score":0.2078184112906456},{"text":"Yep.","start":2381.2349,"end":2381.7148,"sentiment":"neutral","sentiment_score":0.1972264051437378},{"text":"Beautiful.","start":2381.7148,"end":2382.2148,"sentiment":"positive","sentiment_score":0.5499968528747559}],"sentiment":"neutral","sentiment_score":0.26347788982093334,"num_words":16,"start":2374.515,"end":2382.2148},{"sentences":[{"text":"Excellent.","start":2382.4348,"end":2382.9348,"sentiment":"positive","sentiment_score":0.567360520362854},{"text":"And full balance.","start":2383.635,"end":2384.775,"sentiment":"positive","sentiment_score":0.484524001677831},{"text":"Lovely.","start":2384.9949,"end":2385.395,"sentiment":"positive","sentiment_score":0.47927922010421753},{"text":"So what I'll do, Yvonne, is I'll get that transaction with that advice done up for you.","start":2385.395,"end":2389.35,"sentiment":"neutral","sentiment_score":0.2402071286650265},{"text":"I'll do the benefit with payment from the withdrawal form there.","start":2389.51,"end":2392.6501,"sentiment":"neutral","sentiment_score":0.12050647085363214}],"sentiment":"neutral","sentiment_score":0.23967588218775662,"num_words":33,"start":2382.4348,"end":2392.6501},{"sentences":[{"text":"I'll have them emailed through to you via OdooSign.","start":2392.79,"end":2395.29,"sentiment":"neutral","sentiment_score":0.126600734061665},{"text":"I'll get Sammy to give you a call, let you know when that's emailed through so you can sign it.","start":2395.51,"end":2400.01,"sentiment":"neutral","sentiment_score":0.11800474859774113},{"text":"Once it is signed, we'll sell the investments down and have the funds drawn out.","start":2400.07,"end":2404.905,"sentiment":"neutral","sentiment_score":0.06779172470172247},{"text":"It may take because it is a full sale, it may take about two or three weeks to complete the sell down, but we'll try to make sure it happens as quickly as possible so that we withdraw from action.","start":2405.145,"end":2415.645,"sentiment":"neutral","sentiment_score":0.030328318942338228},{"text":"Yep.","start":2416.905,"end":2417.31,"sentiment":"positive","sentiment_score":0.4501216411590576}],"sentiment":"neutral","sentiment_score":0.07270155115162626,"num_words":85,"start":2392.79,"end":2417.31},{"sentences":[{"text":"Beautiful.","start":2417.47,"end":2417.95,"sentiment":"positive","sentiment_score":0.7704704999923706},{"text":"All good.","start":2417.95,"end":2418.51,"sentiment":"positive","sentiment_score":0.6772460639476776},{"text":"And we'll make sure that you and I sort of touch base.","start":2418.51,"end":2421.25,"sentiment":"positive","sentiment_score":0.3586953282356262},{"text":"I'll do Peter's annual review moving forward with the two of you.","start":2421.3901,"end":2424.75,"sentiment":"neutral","sentiment_score":0.207691120604674},{"text":"We still got the ETCA on file, make sure all of that's still appropriate for you both.","start":2424.75,"end":2429.775,"sentiment":"neutral","sentiment_score":0.20498709380626678}],"sentiment":"neutral","sentiment_score":0.28196319565176964,"num_words":44,"start":2417.47,"end":2429.775},{"sentences":[{"text":"And I can do the annual review with both of you so we can assess Peter's super down the track and look at what your goals are and keep providing advice and looking after you guys so you both have the best possible retirement there.","start":2430.4148,"end":2441.295,"sentiment":"neutral","sentiment_score":0.2723740203513039},{"text":"Does that sound okay?","start":2441.295,"end":2442.4348,"sentiment":"neutral","sentiment_score":0.18503985181450844},{"text":"Yeah.","start":2443.97,"end":2444.47,"sentiment":"positive","sentiment_score":0.3972615599632263},{"text":"Beautiful.","start":2445.17,"end":2445.67,"sentiment":"positive","sentiment_score":0.6801294088363647},{"text":"Fantastic.","start":2445.97,"end":2446.47,"sentiment":"positive","sentiment_score":0.6701318025588989}],"sentiment":"neutral","sentiment_score":0.2835483287389462,"num_words":52,"start":2430.4148,"end":2446.47},{"sentences":[{"text":"I'll double check when his annual review is actually due.","start":2447.01,"end":2450.13,"sentiment":"neutral","sentiment_score":0.26097124367952346},{"text":"Let's have a look.","start":2450.13,"end":2451.1099,"sentiment":"neutral","sentiment_score":0.11960662715137005},{"text":"Peter Wooderson.","start":2456.45,"end":2457.43,"sentiment":"neutral","sentiment_score":-0.004497377900406718},{"text":"It's due very soon.","start":2462.9148,"end":2464.275,"sentiment":"neutral","sentiment_score":0.007584909442812204},{"text":"Says here 04/2026.","start":2464.275,"end":2467.315,"sentiment":"neutral","sentiment_score":0.015679428974787395}],"sentiment":"neutral","sentiment_score":0.13724009192589184,"num_words":23,"start":2447.01,"end":2467.315},{"sentences":[{"text":"So we'll probably organize and go through a review with him in the next few months and just sort of see, yeah, how things are going.","start":2467.315,"end":2475.7,"sentiment":"neutral","sentiment_score":0.05054813243735295},{"text":"Okay.","start":2475.84,"end":2476.34,"sentiment":"neutral","sentiment_score":0.04757467657327652},{"text":"Awkward.","start":2478.24,"end":2478.74,"sentiment":"neutral","sentiment_score":-0.05731375887989998},{"text":"Do you have do you have any questions?","start":2478.88,"end":2480.96,"sentiment":"neutral","sentiment_score":0.026217582635581493},{"text":"Do you do you feel okay?","start":2480.96,"end":2482.16,"sentiment":"neutral","sentiment_score":-0.007127583026885986}],"sentiment":"neutral","sentiment_score":0.035035417237806885,"num_words":42,"start":2467.315,"end":2482.16},{"sentences":[{"text":"Do you feel good now that you sort of made that decision?","start":2482.16,"end":2484.48,"sentiment":"neutral","sentiment_score":0.10359585657715797},{"text":"Do you have any questions or concerns?","start":2484.48,"end":2486.58,"sentiment":"neutral","sentiment_score":-0.010326628972377096},{"text":"Or Mhmm.","start":2486.72,"end":2493.385,"sentiment":"neutral","sentiment_score":-0.016598761081695557},{"text":"Yeah.","start":2498.9648,"end":2499.4648,"sentiment":"neutral","sentiment_score":-0.000989772379398346},{"text":"Yeah.","start":2499.845,"end":2500.345,"sentiment":"neutral","sentiment_score":0.0010855384171009064}],"sentiment":"neutral","sentiment_score":0.04946791826058989,"num_words":23,"start":2482.16,"end":2500.345},{"sentences":[{"text":"Just yeah.","start":2500.565,"end":2503.6199,"sentiment":"neutral","sentiment_score":0.016496416181325912},{"text":"Just some sort of industry fund one.","start":2503.6199,"end":2505.56,"sentiment":"neutral","sentiment_score":0.0438700725457498},{"text":"Yeah.","start":2507.06,"end":2507.38,"sentiment":"neutral","sentiment_score":0.06849183142185211},{"text":"I mean, I could definitely, you know, look at providing advice to help you along the the way there.","start":2507.38,"end":2511.8,"sentiment":"neutral","sentiment_score":0.12619024848467425},{"text":"There are super funds that we can access, but most retail funds to make the fees worth while you need to have a pretty decent super balance.","start":2512.0999,"end":2518.805,"sentiment":"neutral","sentiment_score":0.08502675813657266}],"sentiment":"neutral","sentiment_score":0.09110557790180403,"num_words":56,"start":2500.565,"end":2518.805},{"sentences":[{"text":"Yeah.","start":2520.945,"end":2521.345,"sentiment":"neutral","sentiment_score":-0.017131377011537552},{"text":"But then again, you might sort of start a job and decide you don't lock it anymore and withdraw the funds back out anyway.","start":2521.345,"end":2526.465,"sentiment":"neutral","sentiment_score":-0.12264316203072667},{"text":"So yeah.","start":2526.465,"end":2528.865,"sentiment":"neutral","sentiment_score":0.09520190954208374},{"text":"But, no, this will hopefully help.","start":2528.865,"end":2530.625,"sentiment":"neutral","sentiment_score":0.2020593204845985},{"text":"It'll, you know, give you a little bit extra money to as a buffer to sorta help make sure that, you know, you'd have that extra in the in the event that something happens and you have large bills coming in, but then also just making sure you're paying down the loan as quickly as possible as well.","start":2530.625,"end":2545.6301,"sentiment":"neutral","sentiment_score":0.19234904916635875}],"sentiment":"neutral","sentiment_score":0.10547733327353394,"num_words":91,"start":2520.945,"end":2545.6301},{"sentences":[{"text":"Hopefully, it'll alleviate a little bit of pressure and stress for you.","start":2545.6301,"end":2549.445,"sentiment":"neutral","sentiment_score":0.32183142254749936},{"text":"Yeah.","start":2551.745,"end":2552.225,"sentiment":"positive","sentiment_score":0.35907405614852905},{"text":"All good.","start":2552.225,"end":2552.865,"sentiment":"positive","sentiment_score":0.5795103013515472},{"text":"Do you have any other questions or anything that might come up?","start":2552.865,"end":2555.665,"sentiment":"neutral","sentiment_score":0.0020879060029983507},{"text":"Do you want me to clarify anything further for you?","start":2555.665,"end":2558.085,"sentiment":"neutral","sentiment_score":-0.07357923537492753}],"sentiment":"neutral","sentiment_score":0.1261982229110357,"num_words":37,"start":2545.6301,"end":2558.085},{"sentences":[{"text":"Yeah.","start":2562.96,"end":2563.46,"sentiment":"neutral","sentiment_score":0.25687330961227417},{"text":"That's okay.","start":2563.76,"end":2564.5,"sentiment":"positive","sentiment_score":0.43403175473213196},{"text":"All good.","start":2564.5598,"end":2565.38,"sentiment":"positive","sentiment_score":0.5729583203792572},{"text":"Perfect.","start":2566.0,"end":2566.5,"sentiment":"positive","sentiment_score":0.5690351724624634},{"text":"Well, I'll get that's okay, Yvonne.","start":2566.72,"end":2569.501,"sentiment":"positive","sentiment_score":0.6438594261805216}],"sentiment":"positive","sentiment_score":0.5585870991150538,"num_words":12,"start":2562.96,"end":2569.501},{"sentences":[{"text":"I'll get that sorted for you now.","start":2569.501,"end":2570.8608,"sentiment":"positive","sentiment_score":0.5832220571381705},{"text":"Not an issue at all.","start":2570.8608,"end":2572.241,"sentiment":"neutral","sentiment_score":0.2684221982955933},{"text":"Thanks so much.","start":2573.5808,"end":2574.461,"sentiment":"positive","sentiment_score":0.8548224369684855},{"text":"See you later.","start":2574.461,"end":2575.281,"sentiment":"positive","sentiment_score":0.6407716274261475},{"text":"Bye.","start":2575.3408,"end":2575.8408,"sentiment":"neutral","sentiment_score":0.2708093523979187}],"sentiment":"positive","sentiment_score":0.5359082598435251,"num_words":19,"start":2569.501,"end":2575.8408}]}}]},{"alternatives":[{"transcript":"Hello? Too bad. I'm so sorry about before I had people arrive, friends of mine arrive, and they wanted to borrow the car trailer. So I went out to help them do that and then totally forgot about you. Okay. Yes. Yep. That's fine. Yeah. Yeah. That's good. Yvonne Sheryl Wooderson, seventeenth of the eighth nineteen sixty four. And did you say address too? Or yeah. 30 Green 30 Green Avenue, Glenley 4711. That's okay. Mhmm. Yes. Yep. Mhmm. Yes. Mhmm. No. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Does it does it matter if it's not sitting directly on the line but sitting on the redraw facility? Is that all okay? Okay. Yep. Yep. Yep. Yep. So when you say so let me just clarify because I'm a bit dumb. So I have a read I have a redraw facility and I do have the account the offset account. Both of them wouldn't it has to actually sit on the line where you can't access it back. Is that what you're saying? Oh, okay. Okay. Yes. Yep. Yes. It does. Yep. Yes. Yes. Yep. Mhmm. Yes. Oh, okay. Yeah. Good to know because yes. Sorry. You're right. Sorry to interrupt. Sorry. When when we had our loan with Westpac, we never had an offset account. So I just used to whack everything on the redraw facility. When we refinanced and the chap got us this one through CBA, he I said to him, now I probably would like to be paying more on the loan than what's required. And he said, I really wouldn't worry about that. I'd just be whacking any extra money that you would have on your offset account because it all acts the same. So is that not true? Like, I because I've got 80 I've got $80 sitting in the offset account, whereas I could put it on to the redraw facility if that works better. Oh, it does work the same. Yeah. No. So that's good. That's good. That was my main worry. But for Centrelink, I would switch it to the reader or facility. Yeah. Cool. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Mhmm. Yeah. I I just I just I just wish I had your brain. That's what I wish. You shouldn't you shouldn't have to be making money decisions when you're starting to get old, But I guess there's no other way of doing it. Yeah. So like you said, putting that super money onto the loan would reduce the loan by thirteen years when, of course, our ultimate our ultimate plan was never to have that loan for twenty six years or we took it out for thirty, but was never ever going to have that loan for thirty years. And I think that's the bank was very aware of that because I said to the finance broker, how do we get a refinance how do we refinance a loan of 400,000 when we're this age? And he said, well, I think they they just have to realize that you're not going to stay in this house when you're aging and you will sell it, pay off the loan, and and there you go. So, of course, we were never gonna have it that that length of time, and you're saying that this interest would this money on the facility would reduce our loan by thirteen years, but I'm I'm more interested in how much it would save us in comparison to how much I would earn from super. So do do you know what that comparison would be? Yep. Okay. Yep. Yes. Yep. Yep. All depends on the interest rate. Uh-huh. But we're not gonna have it over we're not gonna have it over that length of time, though. Yep. Yes. Yep. Yep. Mhmm. Yeah. Yes. Okay. So I know you can't give me advice on what I should actually do. I I understand that you can't but but I need to know with your wonderful brain that if you were in my position looking at everything, what would you do? Yes. Yep. Mhmm. March. Yep. Yep. Yep. Yep. Yes. Yep. Oh, that's it. Yeah. Yep. No. Yep. Yeah. Yeah. Yeah. Right. Yeah. Because we wouldn't be trying to find 2,500 every month. Yeah. Yep. Yep. We we are just trying to do as much as we can to stop money being spent. And I know that this might not sound like a great thing to some people, but to us, we just have cut down dramatically on life insurance. Because I just said to Peter, it's just such dead money, and surely you're super and and the little bit of life insurance that he now has. So I really should recap that with you at one time that his life insurance has changed because he it was just gonna go up again this month. And I just said, oh, you just need to you need to to like, it's it's sad to say is is I probably need his life insurance more than he needs mine because if I die, he can keep working. If I if he dies, I've gotta rely on that to pay out the house. So he's kept he took off an expensive part of the policy, which was, you know, when you get permanently disabled in your job. And I said, look. You're in a job at the moment where they really, really look after the workers, and and they they don't like any accidents to happen and things like that. So how about we get rid of that and lessen the amount of life insurance? So that's what we've done with him. At the moment, mine is still the same, and I just haven't got around to changing it. But that is something we're trying to lessen costs with as well. And the other thing that we're trying to change is house insurance. Holy crap. It's it's they won't reduce it for us because unless we get an assessment done by a builder. Because they yeah. Because well, we're with an insurance broker, and we have been for all the years that we've been in business. And I know that they are they can only give insurance with their line of people. They don't they can't they don't access every insurer. There's certain insurers that they don't go through. They just work with certain amount. But the insure the company that we've been with all this time, they won't lessen our insurance unless we get a builder to say that we could rebuild for the lesser amount. But in all honesty, Dana, our property would be lucky to sell for 1,200,000. They've got it insured for 1,700,000. And that that in when you sell, you're selling the house and the land, and yet we'd be lucky to get 1.2, 1.3 at the most. But it's insured for 1.7 because they offered every year. And and we said that's way too high. We need you to be less than that, but they won't unless we get a builder's valuation of what what rebuilding cost would be. So I've just gone through CBA people who we've got the loan through, and they can do it cheaper for about 200 a month. So I'm in the process of maybe changing to that. But yeah. What a 1,700,000 to rebuild a house if it burns down. And who's to say we wanna build a six bedroom house again? Really weird. Really weird insurance. So, yeah, at this time in our life, just trying to stop money going out for no reason. You know? But that's something for me to think about. But you would do what I've been thinking about anyway. You would think that lessening I just see when you're putting 2,500 onto a home loan and only paying off 1,000 each time, pretty disheartening. It just really gets you. And I know everyone's doing that, but I just want to see more coming off the house, which ultimately what is what happens when the interest isn't so high when the interest amount isn't so high. Yes. Okay. Yes. Yes. Yes. Yes. Yes. Yep. Yep. Yep. So you so years ago, the scheme was put everything on your credit card and then when and keep putting all your pays into your loan on on the redraw facility. And then before your credit card accumulates fees and charges and interest, you pay your credit card back. So I guess that's what an offset account is doing now, is it? So accepting accepting a credit card, you're using all the money, leaving all nothing's coming out until that one payment at the end of the month. But I would do that if it was just me, but I can't do it with Peter. I can't trust him to not overspend. Seriously, it's always been our life that I'm the person who likes to think controls the money, but really I'm not because he can access accounts. So I said to him, I would love to try the credit card thing, but the credit card can't accumulate fees. It has to be paid back. And with your spending, even while he's away, he's dreadful spender. And I can't I can't have that not having the money there to pay that credit card back. Because he said, you do it. I fully trust you. I know you know what you're doing. And I said, yeah. It's all good and well to say that I know what I'm doing, but I can't I can't rein you in when you work away. You know, alcohol and buying his own groceries when he doesn't even need to have groceries because he's living in a camp. But, of course, you know, you like to have your own snack foods and everything, but, honestly, he lives like a single person. He doesn't give a shit about what's going on here. That's why that's why I'd rather have the conversation just with you when he's on home. Yes. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yeah. That's what I want. Yeah. Yeah. Yes. Yep. Yeah. Yes. Yes. Yes. No. I think you've cut you've you've actually probably convinced me to do it because even if you say to yourself, the interest rate's quite high at the moment and I'll whack that on and it will make a significant difference. But what happens if the the interest goes right down? Well, you still will be saving. I'll basically have hardly any interest. So it's a it's a win win regardless of how the interest rate is. So, yeah, I'm doing it now because the interest rate's high and I wanna pay off more of my house. But that's not to say that when it drops to our an incredible low in the next five years, it still will work to my benefit then. Regardless. Yes. Yeah. Yes. Yep. Yep. Okay. Yep. Yeah. That would be good. Yep. Yep. Mhmm. Yes. Okay then. Yep. Well, that that's that's good to know that if if the mortgage is down to less and less and then we sell, of course, it's a big profit margin then because we certainly wouldn't be buying a house for the price of what we sell this one for. So the money that's left over, I could definitely do something to make that grow a bit because I'd have nowhere to put it other than a normal savings account. I wouldn't I wouldn't know what to do with it. Like, if there was 400,000 left over, it's a shame just to stick it in a savings account and see nothing. Yep. Alright then. Okay then. So do you think it would be rash of me to make a decision right now on the phone and and say let's do it? Let's let's take it all out. And, like, I mean, you guys cut all my charges down for me once I stopped doing it. But, basically, you're doing a lot of work for not much coming back to you with my account. So it's not gonna worry using a great deal, is it? Like, it's not yep. Yep. Yep. Yep. Okay. God, you're lovely. Okay. Yep. Yes. Mhmm. Yes. Okay then. Yep. Yep. Yep. So I have it won't affect it won't affect the loan with the CBA. Well, they're gonna ultimately have it sitting on the loan anyway, but you're saying that they would have taken that all into into account that what that they won't care? CBA won't care? No. Yep. Yep. Yes. Yes. Yes. Mhmm. Yes. Yep. Yep. Yeah. Yeah. It doesn't make any difference if you we we don't have any spare money at the at the moment. We're back in each and every week to try and pay bills because it's the cost of Peter going away is half of it on us at the moment because he's not full time. Only when you go full time, will they pay for all cost to get up there? At the moment, we pay from Rocky to Brisbane, Brisbane to Rocky each and every time he comes home until he's full until he's full time, and then they and and that's supposed to be this swing because he had to do a thousand hours, and it his thousand hours should be now. But to be honest, for that getting to that thousand hours has been a struggle because of the cost involved of flying backwards and forwards at our expense. They pay from they pay from Brisbane to Gove. So they go from Brisbane to Cairns, Cairns to Gove up in Northern Territory. So they pay for those those flights each and every time he comes home, but we have to they're only basing us from Brisbane. So we have to fly from Brisbane to Rocky, Rocky to Brisbane. And it's usually a night before the flight to make it. We can't take any we can't take any risk because we've tried to do flights pretty close to when he arrives and when he leaves. And then if a flight's delayed because they're not connecting flights, they say that's not our problem, and so then we lose the flight. Whereas if they are booking us for work and it's a connecting flight and part of the leg is delayed, then they will guarantee the next flight. They will say, oh, well, we'll put you up for accommodation and we'll fly you the next day, but but not when it's not a connecting flight. So, yes, been been some awful situations where he's had flights delayed and not made his next leg, which is all on us. So at the moment, it yeah. So at the moment, there's no spare money for nothing, but that hopefully might change in the future. But, Dana, I think I'm gonna pull it out. That's what I think I'm gonna do. I I think I just wanna get it onto the loan and start saving in interest as soon as possible. I hope that's the right decision, but you said that that's probably what you would do. And and like you said, there's no guarantee that my return will will be as good as it is at the moment. It it could drop, whereas sitting it on the line, the interest saved is always gonna be a saving no matter what the interest rate does. Yeah. Yeah. Yeah. Yes. Yes. Yes. Yeah. Yeah. And once the once the loan is moving down quicker, you can sort of see it happening. Because we have already owned a home that we completely paid off. It was the home that we used to buy this home. And, like, you're paying it off. You're paying then once it starts getting really low, then your payment you can really start seeing your payments move that line because, of course, your your balance is getting less and less. So that's what I was sort of hoping to see that, you you know, your $2,500 payment is is in reverse. Instead of only a thousand coming off, it might be a a thousand 500 coming off and and the interest is only a thousand. Like, I want the greater to be what's coming off rather than the interest being greater the greater part. Yeah. Yeah. Yep. Yep. Yes. Mhmm. Yeah. Yeah. Yeah. Alright then. So are we right to move forward with that move forward with that then? Yeah. Yes. Yes. Yes. I am. Yes. Yep. Yeah. We'll close it down. Yep. Would you do you want the one that probably you transferred the first slot in to pay out that business loan or would you like the one that it's gonna actually sit on? Yep. I think the the last thing you you transferred it to a Westpac account, I think, so it wouldn't be that one. I think you would have transferred it to 872483. Sure. Yes. I am. So Mhmm. Either that or I if you want me to forward it to our phone, or that's the same. Probably hang on a lot. Yeah. I didn't hear a beep, but your voice is now much much higher much much louder. Yeah. Something happened. Yeah. Okay. So the BSP is 064 175, and the account is 12509218. Yes. It is. Yep. So it was probably p j and y c Wooderson, I'd say. Yeah. Yep. Yep. Yep. Yes. Yes. Yeah. We'll go back. Start again. Yep. That's correct. Yep. Yes. I am. Mhmm. Okay. Oh, it does yeah. It doesn't matter. It's just the process. All good. Yep. That sounds good. Yeah. That sounds great. Sorry about no. I'm not sure I can. How is it? Okay then. Yep. Okay then. Yes. Alrighty. I I, yeah, I feel I feel good. And if if I was to go back into the workforce, which I can't see happening, unless the job was to land in my lap, I just would have to take on any sort of super, wouldn't I? Just I just have to take on the employees, whatever they wanna do. Yes. We're starting from fresh, so it really wouldn't matter. Yes. That's right. Yeah. Yep. Yep. Yep. Yes. I heard so. Yep. Alright then. No. No. No. I I no. I think that's good. I think that's what I've been wanting to do for quite some time. Yep. Alright then. Thank you so much for your help. Okay then. Thank you, love. Okay. 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Too bad. I'm so sorry about before I had people arrive, friends of mine arrive, and they wanted to borrow the car trailer. So I went out to help them do that and then totally forgot about you. Okay.\n\nYes. Yep. That's fine. Yeah. Yeah.\n\nThat's good. Yvonne Sheryl Wooderson, seventeenth of the eighth nineteen sixty four. And did you say address too? Or yeah. 30 Green 30 Green Avenue, Glenley 4711.\n\nThat's okay. Mhmm. Yes. Yep. Mhmm.\n\nYes. Mhmm. No. Mhmm. Mhmm.\n\nMhmm. Yes. Mhmm. Does it does it matter if it's not sitting directly on the line but sitting on the redraw facility? Is that all okay?\n\nOkay. Yep. Yep. Yep. Yep.\n\nSo when you say so let me just clarify because I'm a bit dumb. So I have a read I have a redraw facility and I do have the account the offset account. Both of them wouldn't it has to actually sit on the line where you can't access it back. Is that what you're saying? Oh, okay.\n\nOkay. Yes. Yep. Yes. It does.\n\nYep. Yes. Yes. Yep. Mhmm.\n\nYes. Oh, okay. Yeah. Good to know because yes. Sorry.\n\nYou're right. Sorry to interrupt. Sorry. When when we had our loan with Westpac, we never had an offset account. So I just used to whack everything on the redraw facility.\n\nWhen we refinanced and the chap got us this one through CBA, he I said to him, now I probably would like to be paying more on the loan than what's required. And he said, I really wouldn't worry about that. I'd just be whacking any extra money that you would have on your offset account because it all acts the same. So is that not true? Like, I because I've got 80 I've got $80 sitting in the offset account, whereas I could put it on to the redraw facility if that works better.\n\nOh, it does work the same. Yeah. No. So that's good. That's good.\n\nThat was my main worry. But for Centrelink, I would switch it to the reader or facility. Yeah. Cool. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Mhmm. Yeah. I I just I just I just wish I had your brain. That's what I wish.\n\nYou shouldn't you shouldn't have to be making money decisions when you're starting to get old, But I guess there's no other way of doing it. Yeah. So like you said, putting that super money onto the loan would reduce the loan by thirteen years when, of course, our ultimate our ultimate plan was never to have that loan for twenty six years or we took it out for thirty, but was never ever going to have that loan for thirty years. And I think that's the bank was very aware of that because I said to the finance broker, how do we get a refinance how do we refinance a loan of 400,000 when we're this age? And he said, well, I think they they just have to realize that you're not going to stay in this house when you're aging and you will sell it, pay off the loan, and and there you go.\n\nSo, of course, we were never gonna have it that that length of time, and you're saying that this interest would this money on the facility would reduce our loan by thirteen years, but I'm I'm more interested in how much it would save us in comparison to how much I would earn from super. So do do you know what that comparison would be? Yep. Okay. Yep.\n\nYes. Yep. Yep. All depends on the interest rate. Uh-huh.\n\nBut we're not gonna have it over we're not gonna have it over that length of time, though. Yep. Yes. Yep. Yep.\n\nMhmm. Yeah. Yes. Okay. So I know you can't give me advice on what I should actually do.\n\nI I understand that you can't but but I need to know with your wonderful brain that if you were in my position looking at everything, what would you do? Yes. Yep. Mhmm. March.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Oh, that's it. Yeah. Yep. No.\n\nYep. Yeah. Yeah. Yeah. Right.\n\nYeah. Because we wouldn't be trying to find 2,500 every month. Yeah. Yep. Yep.\n\nWe we are just trying to do as much as we can to stop money being spent. And I know that this might not sound like a great thing to some people, but to us, we just have cut down dramatically on life insurance. Because I just said to Peter, it's just such dead money, and surely you're super and and the little bit of life insurance that he now has. So I really should recap that with you at one time that his life insurance has changed because he it was just gonna go up again this month. And I just said, oh, you just need to you need to to like, it's it's sad to say is is I probably need his life insurance more than he needs mine because if I die, he can keep working.\n\nIf I if he dies, I've gotta rely on that to pay out the house. So he's kept he took off an expensive part of the policy, which was, you know, when you get permanently disabled in your job. And I said, look. You're in a job at the moment where they really, really look after the workers, and and they they don't like any accidents to happen and things like that. So how about we get rid of that and lessen the amount of life insurance?\n\nSo that's what we've done with him. At the moment, mine is still the same, and I just haven't got around to changing it. But that is something we're trying to lessen costs with as well. And the other thing that we're trying to change is house insurance. Holy crap.\n\nIt's it's they won't reduce it for us because unless we get an assessment done by a builder. Because they yeah. Because well, we're with an insurance broker, and we have been for all the years that we've been in business. And I know that they are they can only give insurance with their line of people. They don't they can't they don't access every insurer.\n\nThere's certain insurers that they don't go through. They just work with certain amount. But the insure the company that we've been with all this time, they won't lessen our insurance unless we get a builder to say that we could rebuild for the lesser amount. But in all honesty, Dana, our property would be lucky to sell for 1,200,000. They've got it insured for 1,700,000.\n\nAnd that that in when you sell, you're selling the house and the land, and yet we'd be lucky to get 1.2, 1.3 at the most. But it's insured for 1.7 because they offered every year. And and we said that's way too high. We need you to be less than that, but they won't unless we get a builder's valuation of what what rebuilding cost would be. So I've just gone through CBA people who we've got the loan through, and they can do it cheaper for about 200 a month.\n\nSo I'm in the process of maybe changing to that. But yeah. What a 1,700,000 to rebuild a house if it burns down. And who's to say we wanna build a six bedroom house again? Really weird.\n\nReally weird insurance. So, yeah, at this time in our life, just trying to stop money going out for no reason. You know? But that's something for me to think about. But you would do what I've been thinking about anyway.\n\nYou would think that lessening I just see when you're putting 2,500 onto a home loan and only paying off 1,000 each time, pretty disheartening. It just really gets you. And I know everyone's doing that, but I just want to see more coming off the house, which ultimately what is what happens when the interest isn't so high when the interest amount isn't so high. Yes. Okay.\n\nYes. Yes. Yes. Yes. Yes.\n\nYep. Yep. Yep. So you so years ago, the scheme was put everything on your credit card and then when and keep putting all your pays into your loan on on the redraw facility. And then before your credit card accumulates fees and charges and interest, you pay your credit card back.\n\nSo I guess that's what an offset account is doing now, is it? So accepting accepting a credit card, you're using all the money, leaving all nothing's coming out until that one payment at the end of the month. But I would do that if it was just me, but I can't do it with Peter. I can't trust him to not overspend. Seriously, it's always been our life that I'm the person who likes to think controls the money, but really I'm not because he can access accounts.\n\nSo I said to him, I would love to try the credit card thing, but the credit card can't accumulate fees. It has to be paid back. And with your spending, even while he's away, he's dreadful spender. And I can't I can't have that not having the money there to pay that credit card back. Because he said, you do it.\n\nI fully trust you. I know you know what you're doing. And I said, yeah. It's all good and well to say that I know what I'm doing, but I can't I can't rein you in when you work away. You know, alcohol and buying his own groceries when he doesn't even need to have groceries because he's living in a camp.\n\nBut, of course, you know, you like to have your own snack foods and everything, but, honestly, he lives like a single person. He doesn't give a shit about what's going on here. That's why that's why I'd rather have the conversation just with you when he's on home. Yes. Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYep. Yeah. That's what I want. Yeah. Yeah.\n\nYes. Yep. Yeah. Yes. Yes.\n\nYes. No. I think you've cut you've you've actually probably convinced me to do it because even if you say to yourself, the interest rate's quite high at the moment and I'll whack that on and it will make a significant difference. But what happens if the the interest goes right down? Well, you still will be saving.\n\nI'll basically have hardly any interest. So it's a it's a win win regardless of how the interest rate is. So, yeah, I'm doing it now because the interest rate's high and I wanna pay off more of my house. But that's not to say that when it drops to our an incredible low in the next five years, it still will work to my benefit then. Regardless.\n\nYes. Yeah. Yes. Yep. Yep.\n\nOkay. Yep. Yeah. That would be good. Yep.\n\nYep. Mhmm. Yes. Okay then. Yep.\n\nWell, that that's that's good to know that if if the mortgage is down to less and less and then we sell, of course, it's a big profit margin then because we certainly wouldn't be buying a house for the price of what we sell this one for. So the money that's left over, I could definitely do something to make that grow a bit because I'd have nowhere to put it other than a normal savings account. I wouldn't I wouldn't know what to do with it. Like, if there was 400,000 left over, it's a shame just to stick it in a savings account and see nothing. Yep.\n\nAlright then. Okay then. So do you think it would be rash of me to make a decision right now on the phone and and say let's do it? Let's let's take it all out. And, like, I mean, you guys cut all my charges down for me once I stopped doing it.\n\nBut, basically, you're doing a lot of work for not much coming back to you with my account. So it's not gonna worry using a great deal, is it? Like, it's not yep. Yep. Yep.\n\nYep. Okay. God, you're lovely. Okay. Yep.\n\nYes. Mhmm. Yes. Okay then. Yep.\n\nYep. Yep. So I have it won't affect it won't affect the loan with the CBA. Well, they're gonna ultimately have it sitting on the loan anyway, but you're saying that they would have taken that all into into account that what that they won't care? CBA won't care?\n\nNo. Yep. Yep. Yes. Yes.\n\nYes. Mhmm. Yes. Yep. Yep.\n\nYeah. Yeah. It doesn't make any difference if you we we don't have any spare money at the at the moment. We're back in each and every week to try and pay bills because it's the cost of Peter going away is half of it on us at the moment because he's not full time. Only when you go full time, will they pay for all cost to get up there?\n\nAt the moment, we pay from Rocky to Brisbane, Brisbane to Rocky each and every time he comes home until he's full until he's full time, and then they and and that's supposed to be this swing because he had to do a thousand hours, and it his thousand hours should be now. But to be honest, for that getting to that thousand hours has been a struggle because of the cost involved of flying backwards and forwards at our expense. They pay from they pay from Brisbane to Gove. So they go from Brisbane to Cairns, Cairns to Gove up in Northern Territory. So they pay for those those flights each and every time he comes home, but we have to they're only basing us from Brisbane.\n\nSo we have to fly from Brisbane to Rocky, Rocky to Brisbane. And it's usually a night before the flight to make it. We can't take any we can't take any risk because we've tried to do flights pretty close to when he arrives and when he leaves. And then if a flight's delayed because they're not connecting flights, they say that's not our problem, and so then we lose the flight. Whereas if they are booking us for work and it's a connecting flight and part of the leg is delayed, then they will guarantee the next flight.\n\nThey will say, oh, well, we'll put you up for accommodation and we'll fly you the next day, but but not when it's not a connecting flight. So, yes, been been some awful situations where he's had flights delayed and not made his next leg, which is all on us. So at the moment, it yeah. So at the moment, there's no spare money for nothing, but that hopefully might change in the future. But, Dana, I think I'm gonna pull it out.\n\nThat's what I think I'm gonna do. I I think I just wanna get it onto the loan and start saving in interest as soon as possible. I hope that's the right decision, but you said that that's probably what you would do. And and like you said, there's no guarantee that my return will will be as good as it is at the moment. It it could drop, whereas sitting it on the line, the interest saved is always gonna be a saving no matter what the interest rate does.\n\nYeah. Yeah. Yeah. Yes. Yes.\n\nYes. Yeah. Yeah. And once the once the loan is moving down quicker, you can sort of see it happening. Because we have already owned a home that we completely paid off.\n\nIt was the home that we used to buy this home. And, like, you're paying it off. You're paying then once it starts getting really low, then your payment you can really start seeing your payments move that line because, of course, your your balance is getting less and less. So that's what I was sort of hoping to see that, you you know, your $2,500 payment is is in reverse. Instead of only a thousand coming off, it might be a a thousand 500 coming off and and the interest is only a thousand.\n\nLike, I want the greater to be what's coming off rather than the interest being greater the greater part. Yeah. Yeah. Yep. Yep.\n\nYes. Mhmm. Yeah. Yeah. Yeah.\n\nAlright then. So are we right to move forward with that move forward with that then? Yeah. Yes. Yes.\n\nYes. I am. Yes. Yep. Yeah.\n\nWe'll close it down. Yep. Would you do you want the one that probably you transferred the first slot in to pay out that business loan or would you like the one that it's gonna actually sit on? Yep. I think the the last thing you you transferred it to a Westpac account, I think, so it wouldn't be that one.\n\nI think you would have transferred it to 872483. Sure. Yes. I am. So Mhmm.\n\nEither that or I if you want me to forward it to our phone, or that's the same. Probably hang on a lot. Yeah. I didn't hear a beep, but your voice is now much much higher much much louder. Yeah.\n\nSomething happened. Yeah. Okay. So the BSP is 064 175, and the account is 12509218. Yes.\n\nIt is. Yep. So it was probably p j and y c Wooderson, I'd say. Yeah. Yep.\n\nYep. Yep. Yes. Yes. Yeah.\n\nWe'll go back. Start again. Yep. That's correct. Yep.\n\nYes. I am. Mhmm. Okay. Oh, it does yeah.\n\nIt doesn't matter. It's just the process. All good. Yep. That sounds good.\n\nYeah. That sounds great. Sorry about no. I'm not sure I can. How is it?\n\nOkay then. Yep. Okay then. Yes. Alrighty.\n\nI I, yeah, I feel I feel good. And if if I was to go back into the workforce, which I can't see happening, unless the job was to land in my lap, I just would have to take on any sort of super, wouldn't I? Just I just have to take on the employees, whatever they wanna do. Yes. We're starting from fresh, so it really wouldn't matter.\n\nYes. That's right. Yeah. Yep. Yep.\n\nYep. Yes. I heard so. Yep. Alright then.\n\nNo. No. No. I I no. I think that's good.\n\nI think that's what I've been wanting to do for quite some time. Yep. Alright then. Thank you so much for your help. Okay then.\n\nThank you, love. Okay. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.029535870999097824},{"text":"Too bad.","start":6.16,"end":6.72,"sentiment":"neutral","sentiment_score":-0.19841573387384415},{"text":"I'm so sorry about before I had people arrive, friends of mine arrive, and they wanted to borrow the car trailer.","start":6.72,"end":14.344999,"sentiment":"neutral","sentiment_score":-0.061860103869722},{"text":"So I went out to help them do that and then totally forgot about you.","start":14.344999,"end":17.485,"sentiment":"neutral","sentiment_score":-0.027530966326594353},{"text":"Okay.","start":22.185,"end":22.685,"sentiment":"neutral","sentiment_score":0.18546119332313535}],"sentiment":"neutral","sentiment_score":-0.04734652698971331,"num_words":40,"start":1.28,"end":22.685},{"sentences":[{"text":"Yes.","start":31.25,"end":31.75,"sentiment":"neutral","sentiment_score":0.030022021383047104},{"text":"Yep.","start":32.13,"end":32.37,"sentiment":"neutral","sentiment_score":0.12394388020038603},{"text":"That's fine.","start":32.37,"end":33.190002,"sentiment":"neutral","sentiment_score":0.21596238017082214},{"text":"Yeah.","start":33.25,"end":33.75,"sentiment":"neutral","sentiment_score":0.07599365711212158},{"text":"Yeah.","start":34.05,"end":34.29,"sentiment":"neutral","sentiment_score":0.1893843710422516}],"sentiment":"neutral","sentiment_score":0.14187811501324177,"num_words":6,"start":31.25,"end":34.29},{"sentences":[{"text":"That's good.","start":34.29,"end":35.03,"sentiment":"positive","sentiment_score":0.5894294679164886},{"text":"Yvonne Sheryl Wooderson, seventeenth of the eighth nineteen sixty four.","start":42.625,"end":46.305,"sentiment":"neutral","sentiment_score":0.06352710165083408},{"text":"And did you say address too?","start":46.305,"end":47.825,"sentiment":"neutral","sentiment_score":0.028581812667349975},{"text":"Or yeah.","start":47.825,"end":49.184998,"sentiment":"neutral","sentiment_score":0.03607771918177605},{"text":"30 Green 30 Green Avenue, Glenley 4711.","start":49.184998,"end":52.485,"sentiment":"neutral","sentiment_score":0.030311680798019682}],"sentiment":"neutral","sentiment_score":0.08407251971463363,"num_words":27,"start":34.29,"end":52.485},{"sentences":[{"text":"That's okay.","start":55.54,"end":56.2,"sentiment":"neutral","sentiment_score":0.2153719812631607},{"text":"Mhmm.","start":77.315,"end":77.7,"sentiment":"neutral","sentiment_score":-0.0008943425491452217},{"text":"Yes.","start":84.82,"end":85.32,"sentiment":"neutral","sentiment_score":0.1343255639076233},{"text":"Yep.","start":85.619995,"end":86.119995,"sentiment":"neutral","sentiment_score":0.1968682706356049},{"text":"Mhmm.","start":91.675,"end":92.175,"sentiment":"neutral","sentiment_score":0.11254312098026276}],"sentiment":"neutral","sentiment_score":0.1455977625834445,"num_words":6,"start":55.54,"end":92.175},{"sentences":[{"text":"Yes.","start":110.81,"end":111.31,"sentiment":"neutral","sentiment_score":0.034960612654685974},{"text":"Mhmm.","start":125.625,"end":126.125,"sentiment":"neutral","sentiment_score":0.20119795203208923},{"text":"No.","start":134.92,"end":135.42,"sentiment":"neutral","sentiment_score":0.1692962348461151},{"text":"Mhmm.","start":143.175,"end":143.675,"sentiment":"neutral","sentiment_score":0.11601022630929948},{"text":"Mhmm.","start":149.8125,"end":150.3125,"sentiment":"neutral","sentiment_score":0.11913400143384932}],"sentiment":"neutral","sentiment_score":0.12811980545520782,"num_words":5,"start":110.81,"end":150.3125},{"sentences":[{"text":"Mhmm.","start":178.705,"end":179.205,"sentiment":"neutral","sentiment_score":0.07671681046485901},{"text":"Yes.","start":200.495,"end":200.995,"sentiment":"neutral","sentiment_score":0.03748605027794838},{"text":"Mhmm.","start":204.25499,"end":204.75499,"sentiment":"neutral","sentiment_score":-0.13046270608901978},{"text":"Does it does it matter if it's not sitting directly on the line but sitting on the redraw facility?","start":211.01,"end":216.15,"sentiment":"neutral","sentiment_score":-0.05631256103515625},{"text":"Is that all okay?","start":216.20999,"end":218.31,"sentiment":"neutral","sentiment_score":-0.042869504541158676}],"sentiment":"neutral","sentiment_score":-0.04837217396841599,"num_words":26,"start":178.705,"end":218.31},{"sentences":[{"text":"Okay.","start":224.06499,"end":224.56499,"sentiment":"neutral","sentiment_score":-0.06659410148859024},{"text":"Yep.","start":225.985,"end":226.485,"sentiment":"neutral","sentiment_score":0.009071234613656998},{"text":"Yep.","start":230.465,"end":230.625,"sentiment":"neutral","sentiment_score":0.04469982907176018},{"text":"Yep.","start":230.625,"end":231.125,"sentiment":"neutral","sentiment_score":0.06616410613059998},{"text":"Yep.","start":232.305,"end":232.805,"sentiment":"neutral","sentiment_score":0.07150053232908249}],"sentiment":"neutral","sentiment_score":0.02496832013130188,"num_words":5,"start":224.06499,"end":232.805},{"sentences":[{"text":"So when you say so let me just clarify because I'm a bit 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okay.","start":269.13,"end":269.87,"sentiment":"neutral","sentiment_score":0.025008486583828926}],"sentiment":"neutral","sentiment_score":-0.07287216604012868,"num_words":58,"start":244.91,"end":269.87},{"sentences":[{"text":"Okay.","start":279.815,"end":280.315,"sentiment":"neutral","sentiment_score":0.050363752990961075},{"text":"Yes.","start":280.69498,"end":281.19498,"sentiment":"neutral","sentiment_score":0.07851284742355347},{"text":"Yep.","start":283.57498,"end":284.07498,"sentiment":"neutral","sentiment_score":0.05954134464263916},{"text":"Yes.","start":288.055,"end":288.375,"sentiment":"neutral","sentiment_score":0.05650324001908302},{"text":"It 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okay.","start":339.78497,"end":340.525,"sentiment":"neutral","sentiment_score":0.10375092178583145},{"text":"Yeah.","start":340.82498,"end":341.145,"sentiment":"neutral","sentiment_score":0.15697021782398224},{"text":"Good to know because yes.","start":341.145,"end":343.49,"sentiment":"neutral","sentiment_score":0.2765082880854607},{"text":"Sorry.","start":343.49,"end":343.81,"sentiment":"neutral","sentiment_score":-0.06408751755952835}],"sentiment":"neutral","sentiment_score":0.1727139264345169,"num_words":10,"start":323.1375,"end":343.81},{"sentences":[{"text":"You're right.","start":343.81,"end":344.21,"sentiment":"neutral","sentiment_score":-0.045488059520721436},{"text":"Sorry to interrupt.","start":344.21,"end":345.00998,"sentiment":"neutral","sentiment_score":-0.1071547990043958},{"text":"Sorry.","start":345.00998,"end":345.41,"sentiment":"neutral","sentiment_score":-0.0901435613632202},{"text":"When when we had our loan with Westpac, we never had an offset account.","start":345.41,"end":349.91,"sentiment":"neutral","sentiment_score":0.0032095000413911684},{"text":"So I just used to whack everything on the redraw facility.","start":350.21,"end":353.34998,"sentiment":"neutral","sentiment_score":-0.129699227146127}],"sentiment":"neutral","sentiment_score":-0.06078524436921843,"num_words":31,"start":343.81,"end":353.34998},{"sentences":[{"text":"When we refinanced and the chap got us this one through CBA, he I said to him, now I probably would like to be paying more on the loan than what's required.","start":353.49,"end":365.725,"sentiment":"neutral","sentiment_score":-0.13680446799844503},{"text":"And he said, I really wouldn't worry about that.","start":366.185,"end":368.26498,"sentiment":"neutral","sentiment_score":-0.032980093680736094},{"text":"I'd just be whacking any extra money that you would have on your offset account because it all acts the same.","start":368.26498,"end":374.52,"sentiment":"neutral","sentiment_score":-0.13029761754331134},{"text":"So is that not true?","start":374.52,"end":375.9,"sentiment":"neutral","sentiment_score":-0.1580105319619179},{"text":"Like, I because I've got 80 I've got $80 sitting in the offset account, whereas I could put it on to the redraw facility if that works better.","start":376.44,"end":386.405,"sentiment":"neutral","sentiment_score":-0.04550592827477625}],"sentiment":"neutral","sentiment_score":-0.09973718356831293,"num_words":95,"start":353.49,"end":386.405},{"sentences":[{"text":"Oh, it does work the same.","start":388.945,"end":390.805,"sentiment":"neutral","sentiment_score":0.04985032013307015},{"text":"Yeah.","start":398.21002,"end":398.71002,"sentiment":"neutral","sentiment_score":-0.023224525153636932},{"text":"No.","start":399.65002,"end":400.15002,"sentiment":"neutral","sentiment_score":-0.05339496210217476},{"text":"So that's good.","start":403.49002,"end":404.45,"sentiment":"positive","sentiment_score":0.3490007817745209},{"text":"That's good.","start":404.45,"end":404.93002,"sentiment":"positive","sentiment_score":0.5423342734575272}],"sentiment":"neutral","sentiment_score":0.18108871736778662,"num_words":13,"start":388.945,"end":404.93002},{"sentences":[{"text":"That was my main worry.","start":404.93002,"end":406.37003,"sentiment":"neutral","sentiment_score":-0.043603958934545516},{"text":"But for Centrelink, I would switch it to the reader or 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I just I just I just wish I had your brain.","start":470.085,"end":473.525,"sentiment":"neutral","sentiment_score":-0.0320091557999452},{"text":"That's what I wish.","start":473.525,"end":474.585,"sentiment":"neutral","sentiment_score":-0.014210076536983252}],"sentiment":"neutral","sentiment_score":-0.016163054142931576,"num_words":19,"start":445.715,"end":474.585},{"sentences":[{"text":"You shouldn't you shouldn't have to be making money decisions when you're starting to get old, But I guess there's no other way of doing it.","start":476.645,"end":485.73,"sentiment":"neutral","sentiment_score":-0.2828338656287927},{"text":"Yeah.","start":485.95,"end":486.45,"sentiment":"neutral","sentiment_score":-0.041508812457323074},{"text":"So like you said, putting that super money onto the loan would reduce the loan by thirteen years when, of course, our ultimate our ultimate plan was never to have that loan for twenty six years or we took it out for thirty, but was never ever going to have that loan for thirty years.","start":488.11002,"end":507.085,"sentiment":"neutral","sentiment_score":-0.1082144296304746},{"text":"And I think that's the bank was very aware of that because I said to the finance broker, how do we get a refinance how do we refinance a loan of 400,000 when we're this age?","start":507.085,"end":520.3,"sentiment":"neutral","sentiment_score":-0.017437887300426762},{"text":"And he said, well, I think they they just have to realize that you're not going to stay in this house when you're aging and you will sell it, pay off the loan, and and there you go.","start":520.3,"end":530.375,"sentiment":"neutral","sentiment_score":-0.05283058042588987}],"sentiment":"neutral","sentiment_score":-0.10245069838128984,"num_words":156,"start":476.645,"end":530.375},{"sentences":[{"text":"So, of course, we were never gonna have it that that length of time, and you're saying that this interest would this money on the facility would reduce our loan by thirteen years, but I'm I'm more interested in how much it would save us in comparison to how much I would earn from super.","start":532.115,"end":551.85,"sentiment":"neutral","sentiment_score":0.09670821733095429},{"text":"So do do you know what that comparison would be?","start":552.23,"end":556.01495,"sentiment":"neutral","sentiment_score":0.05582543723285198},{"text":"Yep.","start":566.95496,"end":567.45496,"sentiment":"neutral","sentiment_score":0.10153718292713164},{"text":"Okay.","start":567.51495,"end":567.93,"sentiment":"neutral","sentiment_score":0.17637160420417786},{"text":"Yep.","start":580.97,"end":581.29,"sentiment":"neutral","sentiment_score":0.23516467213630676}],"sentiment":"neutral","sentiment_score":0.0939747027176268,"num_words":68,"start":532.115,"end":581.29},{"sentences":[{"text":"Yes.","start":581.29,"end":581.79,"sentiment":"neutral","sentiment_score":0.3285558521747589},{"text":"Yep.","start":583.445,"end":583.945,"sentiment":"neutral","sentiment_score":0.1863330602645874},{"text":"Yep.","start":584.005,"end":584.40497,"sentiment":"neutral","sentiment_score":0.15546885132789612},{"text":"All depends on the interest rate.","start":584.40497,"end":586.345,"sentiment":"neutral","sentiment_score":0.05774290983875593},{"text":"Uh-huh.","start":597.43,"end":597.93,"sentiment":"neutral","sentiment_score":0.08971454203128815}],"sentiment":"neutral","sentiment_score":0.11065297648310661,"num_words":10,"start":581.29,"end":597.93},{"sentences":[{"text":"But we're not gonna have it over we're not gonna have it over that length of time, though.","start":611.925,"end":616.265,"sentiment":"neutral","sentiment_score":-0.17456692291630638},{"text":"Yep.","start":621.2,"end":621.7,"sentiment":"neutral","sentiment_score":0.19172780215740204},{"text":"Yes.","start":623.44,"end":623.94,"sentiment":"positive","sentiment_score":0.47867125272750854},{"text":"Yep.","start":626.56,"end":627.06,"sentiment":"neutral","sentiment_score":0.14376673102378845},{"text":"Yep.","start":632.64,"end":633.14,"sentiment":"neutral","sentiment_score":0.0843946784734726}],"sentiment":"neutral","sentiment_score":-0.10198382491415198,"num_words":22,"start":611.925,"end":633.14},{"sentences":[{"text":"Mhmm.","start":639.945,"end":640.445,"sentiment":"neutral","sentiment_score":0.029605556279420853},{"text":"Yeah.","start":650.83997,"end":651.33997,"sentiment":"neutral","sentiment_score":0.1548236757516861},{"text":"Yes.","start":651.39996,"end":651.89996,"sentiment":"neutral","sentiment_score":0.16454501450061798},{"text":"Okay.","start":681.97,"end":682.45,"sentiment":"neutral","sentiment_score":0.054287251085042953},{"text":"So I know you can't give me advice on what I should actually do.","start":682.45,"end":688.92505,"sentiment":"neutral","sentiment_score":-0.19829676193850382}],"sentiment":"neutral","sentiment_score":-0.13182739830679363,"num_words":18,"start":639.945,"end":688.92505},{"sentences":[{"text":"I I understand that you can't but but I need to know with your wonderful brain that if you were in my position looking at everything, what would you 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that's 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we wouldn't be trying to find 2,500 every month.","start":840.08496,"end":843.305,"sentiment":"neutral","sentiment_score":0.06455284655094147},{"text":"Yeah.","start":845.045,"end":845.545,"sentiment":"neutral","sentiment_score":0.04152922332286835},{"text":"Yep.","start":847.38,"end":847.88,"sentiment":"neutral","sentiment_score":-0.02390608936548233},{"text":"Yep.","start":853.8225,"end":854.3225,"sentiment":"neutral","sentiment_score":0.1644030064344406}],"sentiment":"neutral","sentiment_score":0.06616007483431272,"num_words":14,"start":839.765,"end":854.3225},{"sentences":[{"text":"We we are just trying to do as much as we can to stop money being spent.","start":860.505,"end":866.185,"sentiment":"neutral","sentiment_score":-0.08328078818671844},{"text":"And I know that this might not sound like a great thing to some people, but to us, we just have cut down dramatically on life insurance.","start":866.185,"end":875.82,"sentiment":"neutral","sentiment_score":-0.09231539374148404},{"text":"Because I just said to Peter, it's just such dead money, and surely you're super and and the little bit of life insurance that he now has.","start":875.88,"end":884.27997,"sentiment":"neutral","sentiment_score":-0.05115310006119587},{"text":"So I really should recap that with you at one time that his life insurance has changed because he it was just gonna go up again this month.","start":884.27997,"end":893.23505,"sentiment":"neutral","sentiment_score":-0.029623647752617086},{"text":"And I just said, oh, you just need to you need to to like, it's it's sad to say is is I probably need his life insurance more than he needs mine because if I die, he can keep working.","start":893.61505,"end":907.07,"sentiment":"neutral","sentiment_score":-0.29170864233747124}],"sentiment":"neutral","sentiment_score":-0.12796568749941512,"num_words":139,"start":860.505,"end":907.07},{"sentences":[{"text":"If I if he dies, I've gotta rely on that to pay out the house.","start":907.37,"end":911.21,"sentiment":"neutral","sentiment_score":-0.3322679027915001},{"text":"So he's kept he took off an expensive part of the policy, which was, you know, when you get permanently disabled in your job.","start":911.21,"end":923.915,"sentiment":"negative","sentiment_score":-0.3663428711394469},{"text":"And I said, look.","start":924.055,"end":924.935,"sentiment":"neutral","sentiment_score":-0.15983553230762482},{"text":"You're in a job at the moment where they really, really look after the workers, and and they they don't like any accidents to happen and things like that.","start":924.935,"end":932.79,"sentiment":"neutral","sentiment_score":-0.24532067159126544},{"text":"So how about we get rid of that and lessen the amount of life insurance?","start":932.79,"end":935.83,"sentiment":"neutral","sentiment_score":-0.23626887599627178}],"sentiment":"neutral","sentiment_score":-0.2882060022360977,"num_words":87,"start":907.37,"end":935.83},{"sentences":[{"text":"So that's what we've done with him.","start":935.83,"end":937.51,"sentiment":"neutral","sentiment_score":-0.02957396102803094},{"text":"At the moment, mine is still the same, and I just haven't got around to changing it.","start":937.51,"end":940.95,"sentiment":"neutral","sentiment_score":-0.0904513856067377},{"text":"But that is something we're trying to lessen costs with as well.","start":940.95,"end":944.565,"sentiment":"neutral","sentiment_score":-0.08527184432993333},{"text":"And the other thing that we're trying to change is house insurance.","start":944.865,"end":947.925,"sentiment":"neutral","sentiment_score":-0.08900327732165654},{"text":"Holy crap.","start":948.065,"end":949.04504,"sentiment":"negative","sentiment_score":-0.4447871744632721}],"sentiment":"neutral","sentiment_score":-0.0945113418251276,"num_words":50,"start":935.83,"end":949.04504},{"sentences":[{"text":"It's it's they won't reduce it for us because unless we get an assessment done by a builder.","start":949.265,"end":956.085,"sentiment":"negative","sentiment_score":-0.3490527694423993},{"text":"Because they yeah.","start":956.88,"end":958.32,"sentiment":"neutral","sentiment_score":-0.0920310914516449},{"text":"Because well, we're with an insurance broker, and we have been for all the years that we've been in business.","start":958.32,"end":964.42004,"sentiment":"neutral","sentiment_score":-0.042979702539741996},{"text":"And I know that they are they can only give insurance with their line of people.","start":964.72003,"end":972.58496,"sentiment":"neutral","sentiment_score":-0.1287420813459903},{"text":"They don't they can't they don't access every insurer.","start":972.58496,"end":975.325,"sentiment":"neutral","sentiment_score":-0.16969792048136392}],"sentiment":"neutral","sentiment_score":-0.1667544206209255,"num_words":66,"start":949.265,"end":975.325},{"sentences":[{"text":"There's certain insurers that they don't go through.","start":975.70496,"end":977.865,"sentiment":"neutral","sentiment_score":-0.11473137605935335},{"text":"They just work with certain amount.","start":977.865,"end":979.64496,"sentiment":"neutral","sentiment_score":-0.09890916322668393},{"text":"But the insure the company that we've been with all this time, they won't lessen our insurance unless we get a builder to say that we could rebuild for the lesser amount.","start":979.945,"end":990.82,"sentiment":"neutral","sentiment_score":-0.12501963577233255},{"text":"But in all honesty, Dana, our property would be lucky to sell for 1,200,000.","start":990.88,"end":996.02,"sentiment":"neutral","sentiment_score":-0.16512152605823108},{"text":"They've got it insured for 1,700,000.","start":996.64,"end":999.30005,"sentiment":"neutral","sentiment_score":-0.020393752648184698}],"sentiment":"neutral","sentiment_score":-0.12039391232202902,"num_words":66,"start":975.70496,"end":999.30005},{"sentences":[{"text":"And that that in when you sell, you're selling the house and the land, and yet we'd be lucky to get 1.2, 1.3 at the most.","start":1000.45496,"end":1007.995,"sentiment":"neutral","sentiment_score":-0.11444780889611977},{"text":"But it's insured for 1.7 because they offered every year.","start":1008.535,"end":1012.07495,"sentiment":"neutral","sentiment_score":-0.01622814778238535},{"text":"And and we said that's way too high.","start":1013.03,"end":1015.19,"sentiment":"negative","sentiment_score":-0.37863219156861305},{"text":"We need you to be less than that, but they won't unless we get a builder's valuation of what what rebuilding cost would be.","start":1015.19,"end":1022.87,"sentiment":"negative","sentiment_score":-0.3830442676941554},{"text":"So I've just gone through CBA people who we've got the loan through, and they can do it cheaper for about 200 a month.","start":1022.87,"end":1029.455,"sentiment":"neutral","sentiment_score":0.0523312883451581}],"sentiment":"neutral","sentiment_score":-0.15330536463095443,"num_words":92,"start":1000.45496,"end":1029.455},{"sentences":[{"text":"So I'm in the process of maybe changing to that.","start":1029.455,"end":1032.4149,"sentiment":"neutral","sentiment_score":-0.07117429412901402},{"text":"But yeah.","start":1032.4149,"end":1033.9349,"sentiment":"neutral","sentiment_score":-0.10803119838237762},{"text":"What a 1,700,000 to rebuild a house if it burns down.","start":1033.9349,"end":1038.79,"sentiment":"neutral","sentiment_score":-0.24836655909364874},{"text":"And who's to say we wanna build a six bedroom house again?","start":1038.79,"end":1041.77,"sentiment":"neutral","sentiment_score":-0.056461551847557225},{"text":"Really weird.","start":1043.27,"end":1044.0901,"sentiment":"neutral","sentiment_score":-0.23691819608211517}],"sentiment":"neutral","sentiment_score":-0.13003277033567429,"num_words":37,"start":1029.455,"end":1044.0901},{"sentences":[{"text":"Really weird insurance.","start":1044.23,"end":1045.53,"sentiment":"neutral","sentiment_score":-0.13689123590787253},{"text":"So, yeah, at this time in our life, just trying to stop money going out for no reason.","start":1046.63,"end":1053.61,"sentiment":"neutral","sentiment_score":-0.17536063947611386},{"text":"You know?","start":1054.615,"end":1055.095,"sentiment":"neutral","sentiment_score":-0.05659821629524231},{"text":"But that's something for me to think about.","start":1055.095,"end":1058.0549,"sentiment":"neutral","sentiment_score":-0.10480584064498544},{"text":"But you would do what I've been thinking about anyway.","start":1058.0549,"end":1060.455,"sentiment":"neutral","sentiment_score":-0.15983765721321105}],"sentiment":"neutral","sentiment_score":-0.149199632882345,"num_words":41,"start":1044.23,"end":1060.455},{"sentences":[{"text":"You would think that lessening I just see when you're putting 2,500 onto a home loan and only paying off 1,000 each time, pretty disheartening.","start":1060.455,"end":1069.82,"sentiment":"neutral","sentiment_score":-0.24914670318365098},{"text":"It just really gets you.","start":1069.88,"end":1071.1599,"sentiment":"neutral","sentiment_score":-0.25596641898155215},{"text":"And I know everyone's doing that, but I just want to see more coming off the house, which ultimately what is what happens when the interest isn't so high when the interest amount isn't so 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you so years ago, the scheme was put everything on your credit card and then when and keep putting all your pays into your loan on on the redraw facility.","start":1140.13,"end":1151.895,"sentiment":"neutral","sentiment_score":0.006390735086414122},{"text":"And then before your credit card accumulates fees and charges and interest, you pay your credit card back.","start":1152.435,"end":1158.81,"sentiment":"neutral","sentiment_score":0.010820839140150283}],"sentiment":"neutral","sentiment_score":0.014564966818747612,"num_words":52,"start":1128.53,"end":1158.81},{"sentences":[{"text":"So I guess that's what an offset account is doing now, is it?","start":1158.81,"end":1162.1901,"sentiment":"neutral","sentiment_score":0.04716493791112533},{"text":"So accepting accepting a credit card, you're using all the money, leaving all nothing's coming out until that one payment at the end of the month.","start":1162.89,"end":1172.845,"sentiment":"neutral","sentiment_score":0.029293386731296778},{"text":"But I would do that if it was just me, but I can't do it with Peter.","start":1172.845,"end":1177.085,"sentiment":"neutral","sentiment_score":-0.21615391662892172},{"text":"I can't trust him to not overspend.","start":1177.085,"end":1179.905,"sentiment":"negative","sentiment_score":-0.3684727762426649},{"text":"Seriously, it's always been our life that I'm the person who likes to think controls the money, but really I'm not because he can access accounts.","start":1180.445,"end":1189.55,"sentiment":"neutral","sentiment_score":-0.2970765886398462}],"sentiment":"neutral","sentiment_score":-0.141608371608629,"num_words":89,"start":1158.81,"end":1189.55},{"sentences":[{"text":"So I said to him, I would love to try the credit card thing, but the credit card can't accumulate fees.","start":1190.01,"end":1195.93,"sentiment":"neutral","sentiment_score":-0.19749204069375992},{"text":"It has to be paid back.","start":1195.93,"end":1197.39,"sentiment":"neutral","sentiment_score":-0.3056153779228528},{"text":"And with your spending, even while he's away, he's dreadful spender.","start":1197.515,"end":1201.295,"sentiment":"negative","sentiment_score":-0.4793789285150441},{"text":"And I can't I can't have that not having the money there to pay that credit card back.","start":1201.8351,"end":1206.875,"sentiment":"negative","sentiment_score":-0.433386978175905},{"text":"Because he said, you do it.","start":1206.875,"end":1208.3151,"sentiment":"neutral","sentiment_score":-0.04376203132172426}],"sentiment":"neutral","sentiment_score":-0.31157630856239027,"num_words":62,"start":1190.01,"end":1208.3151},{"sentences":[{"text":"I fully trust you.","start":1208.3151,"end":1209.8551,"sentiment":"neutral","sentiment_score":0.017126023769378662},{"text":"I know you know what you're doing.","start":1209.9951,"end":1211.775,"sentiment":"neutral","sentiment_score":-0.026394087289060866},{"text":"And I said, yeah.","start":1212.0199,"end":1212.6599,"sentiment":"neutral","sentiment_score":-0.05646774731576443},{"text":"It's all good and well to say that I know what I'm doing, but I can't I can't rein you in when you work away.","start":1212.6599,"end":1219.3999,"sentiment":"neutral","sentiment_score":-0.19312799513339995},{"text":"You know, alcohol and buying his own groceries when he doesn't even need to have groceries because he's living in a camp.","start":1219.7,"end":1228.0651,"sentiment":"neutral","sentiment_score":0.0021720425310460005}],"sentiment":"neutral","sentiment_score":-0.08262162012678961,"num_words":62,"start":1208.3151,"end":1228.0651},{"sentences":[{"text":"But, of course, you know, you like to have your own snack foods and everything, but, honestly, he lives like a single 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what I 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think you've cut you've you've actually probably convinced me to do it because even if you say to yourself, the interest rate's quite high at the moment and I'll whack that on and it will make a significant difference.","start":1400.67,"end":1412.53,"sentiment":"neutral","sentiment_score":-0.015424315398558975},{"text":"But what happens if the the interest goes right down?","start":1412.67,"end":1416.2101,"sentiment":"neutral","sentiment_score":-0.052834565937519076},{"text":"Well, you still will be saving.","start":1416.365,"end":1417.725,"sentiment":"neutral","sentiment_score":0.1986807162563006}],"sentiment":"neutral","sentiment_score":0.0006903384587374222,"num_words":58,"start":1387.86,"end":1417.725},{"sentences":[{"text":"I'll basically have hardly any interest.","start":1417.725,"end":1419.885,"sentiment":"neutral","sentiment_score":-0.2416554888089498},{"text":"So it's a it's a win win regardless of how the interest rate is.","start":1419.885,"end":1423.745,"sentiment":"neutral","sentiment_score":0.20108297892979213},{"text":"So, yeah, I'm doing it now because the interest rate's high and I wanna pay off more of my house.","start":1424.045,"end":1428.545,"sentiment":"neutral","sentiment_score":0.17012048717588185},{"text":"But that's not to say that when it drops to our an incredible low in the next five years, it still will work to my benefit then.","start":1428.605,"end":1435.8999,"sentiment":"neutral","sentiment_score":0.15464154603304686},{"text":"Regardless.","start":1436.84,"end":1437.34,"sentiment":"neutral","sentiment_score":0.17951522767543793}],"sentiment":"neutral","sentiment_score":0.1341540512683637,"num_words":68,"start":1417.725,"end":1437.34},{"sentences":[{"text":"Yes.","start":1439.5599,"end":1440.0599,"sentiment":"neutral","sentiment_score":0.13454338908195496},{"text":"Yeah.","start":1444.9199,"end":1445.265,"sentiment":"neutral","sentiment_score":0.12339463829994202},{"text":"Yes.","start":1455.905,"end":1456.405,"sentiment":"neutral","sentiment_score":0.30076077580451965},{"text":"Yep.","start":1457.28,"end":1457.78,"sentiment":"neutral","sentiment_score":0.22944985330104828},{"text":"Yep.","start":1463.2876,"end":1463.7876,"sentiment":"neutral","sentiment_score":0.26061496138572693}],"sentiment":"neutral","sentiment_score":0.20975272357463837,"num_words":5,"start":1439.5599,"end":1463.7876},{"sentences":[{"text":"Okay.","start":1505.835,"end":1506.335,"sentiment":"neutral","sentiment_score":0.1834224164485931},{"text":"Yep.","start":1516.36,"end":1516.86,"sentiment":"neutral","sentiment_score":0.2440451681613922},{"text":"Yeah.","start":1517.1599,"end":1517.48,"sentiment":"neutral","sentiment_score":0.16816914081573486},{"text":"That would be good.","start":1517.48,"end":1518.5399,"sentiment":"neutral","sentiment_score":0.28386449813842773},{"text":"Yep.","start":1518.76,"end":1519.26,"sentiment":"positive","sentiment_score":0.41558775305747986}],"sentiment":"neutral","sentiment_score":0.2683353088796139,"num_words":8,"start":1505.835,"end":1519.26},{"sentences":[{"text":"Yep.","start":1524.36,"end":1524.825,"sentiment":"positive","sentiment_score":0.38581642508506775},{"text":"Mhmm.","start":1529.065,"end":1529.565,"sentiment":"neutral","sentiment_score":0.2883293330669403},{"text":"Yes.","start":1539.385,"end":1539.87,"sentiment":"neutral","sentiment_score":0.06594152003526688},{"text":"Okay 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it?","start":1589.935,"end":1595.775,"sentiment":"neutral","sentiment_score":-0.1315251521766186},{"text":"Let's let's take it all out.","start":1595.775,"end":1597.8401,"sentiment":"neutral","sentiment_score":-0.1382660667101542},{"text":"And, like, I mean, you guys cut all my charges down for me once I stopped doing it.","start":1607.42,"end":1613.8651,"sentiment":"neutral","sentiment_score":0.12291514128446579}],"sentiment":"neutral","sentiment_score":-0.0268909881278029,"num_words":53,"start":1586.8151,"end":1613.8651},{"sentences":[{"text":"But, basically, you're doing a lot of work for not much coming back to you with my account.","start":1613.8651,"end":1618.425,"sentiment":"neutral","sentiment_score":0.15359802006019485},{"text":"So it's not gonna worry using a great deal, is it?","start":1618.425,"end":1621.0651,"sentiment":"neutral","sentiment_score":0.1930116726593538},{"text":"Like, it's not 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lovely.","start":1641.4451,"end":1642.3451,"sentiment":"positive","sentiment_score":0.7352282404899597},{"text":"Okay.","start":1659.3,"end":1659.38,"sentiment":"neutral","sentiment_score":0.06725133955478668},{"text":"Yep.","start":1659.38,"end":1659.735,"sentiment":"neutral","sentiment_score":0.06633678078651428}],"sentiment":"positive","sentiment_score":0.41093951490308556,"num_words":7,"start":1637.925,"end":1659.735},{"sentences":[{"text":"Yes.","start":1666.455,"end":1666.955,"sentiment":"neutral","sentiment_score":0.1897117644548416},{"text":"Mhmm.","start":1667.1749,"end":1667.6749,"sentiment":"neutral","sentiment_score":0.14473658800125122},{"text":"Yes.","start":1670.0549,"end":1670.5549,"sentiment":"neutral","sentiment_score":0.1685260683298111},{"text":"Okay 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care?","start":1718.0951,"end":1727.7151,"sentiment":"neutral","sentiment_score":-0.15038009782632192},{"text":"CBA won't 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doesn't make any difference if you we we don't have any spare money at the at the moment.","start":1819.21,"end":1824.01,"sentiment":"neutral","sentiment_score":-0.11506841616018822},{"text":"We're back in each and every week to try and pay bills because it's the cost of Peter going away is half of it on us at the moment because he's not full time.","start":1824.01,"end":1834.1151,"sentiment":"neutral","sentiment_score":-0.10288963357315344},{"text":"Only when you go full time, will they pay for all cost to get up there?","start":1834.1151,"end":1838.4299,"sentiment":"neutral","sentiment_score":-0.0687645731959492}],"sentiment":"neutral","sentiment_score":-0.09072727508003443,"num_words":71,"start":1806.6349,"end":1838.4299},{"sentences":[{"text":"At the moment, we pay from Rocky to Brisbane, Brisbane to Rocky each and every time he comes home until he's full until he's full time, and then they and and that's supposed to be this swing because he had to do a thousand hours, and it his thousand hours should be now.","start":1838.4299,"end":1853.47,"sentiment":"neutral","sentiment_score":-0.07214950712151685},{"text":"But to be honest, for that getting to that thousand hours has been a struggle because of the cost involved of flying backwards and forwards at our expense.","start":1853.47,"end":1862.8251,"sentiment":"negative","sentiment_score":-0.33785400725901127},{"text":"They pay from they pay from Brisbane to Gove.","start":1863.3651,"end":1866.2451,"sentiment":"neutral","sentiment_score":0.017261428551541433},{"text":"So they go from Brisbane to Cairns, Cairns to Gove up in Northern Territory.","start":1866.2451,"end":1870.7301,"sentiment":"neutral","sentiment_score":0.02748339982437236},{"text":"So they pay for those those flights each and every time he comes home, but we have to they're only basing us from Brisbane.","start":1871.1101,"end":1877.93,"sentiment":"neutral","sentiment_score":0.026002993031094473}],"sentiment":"neutral","sentiment_score":-0.09468471713626059,"num_words":128,"start":1838.4299,"end":1877.93},{"sentences":[{"text":"So we have to fly from Brisbane to Rocky, Rocky to Brisbane.","start":1878.15,"end":1880.9701,"sentiment":"neutral","sentiment_score":0.015388364903628826},{"text":"And it's usually a night before the flight to make it.","start":1881.065,"end":1883.885,"sentiment":"neutral","sentiment_score":-0.047583620487288994},{"text":"We can't take any we can't take any risk because we've tried to do flights pretty close to when he arrives and when he leaves.","start":1884.1849,"end":1892.9249,"sentiment":"neutral","sentiment_score":-0.22768502324819564},{"text":"And then if a flight's delayed because they're not connecting flights, they say that's not our problem, and so then we lose the flight.","start":1893.14,"end":1900.76,"sentiment":"neutral","sentiment_score":-0.3101942191521327},{"text":"Whereas if they are booking us for work and it's a connecting flight and part of the leg is delayed, then they will guarantee the next flight.","start":1900.9,"end":1910.355,"sentiment":"neutral","sentiment_score":-0.11703174602654245}],"sentiment":"neutral","sentiment_score":-0.16803437808171065,"num_words":99,"start":1878.15,"end":1910.355},{"sentences":[{"text":"They will say, oh, well, we'll put you up for accommodation and we'll fly you the next day, but but not when it's not a connecting flight.","start":1910.355,"end":1917.335,"sentiment":"neutral","sentiment_score":-0.053924220959069555},{"text":"So, yes, been been some awful situations where he's had flights delayed and not made his next leg, which is all on us.","start":1917.715,"end":1924.81,"sentiment":"neutral","sentiment_score":-0.233288390804892},{"text":"So at the moment, it yeah.","start":1925.11,"end":1927.99,"sentiment":"neutral","sentiment_score":-0.1641953041156133},{"text":"So at the moment, there's no spare money for nothing, but that hopefully might change in the future.","start":1927.99,"end":1932.95,"sentiment":"neutral","sentiment_score":-0.211057605014907},{"text":"But, Dana, I think I'm gonna pull it out.","start":1932.95,"end":1936.185,"sentiment":"neutral","sentiment_score":0.14090967178344727}],"sentiment":"neutral","sentiment_score":-0.12454950148576355,"num_words":83,"start":1910.355,"end":1936.185},{"sentences":[{"text":"That's what I think I'm gonna do.","start":1936.265,"end":1937.625,"sentiment":"neutral","sentiment_score":0.17998080807072775},{"text":"I I think I just wanna get it onto the loan and start saving in interest as soon as possible.","start":1937.625,"end":1942.6051,"sentiment":"positive","sentiment_score":0.4060873329639435},{"text":"I hope that's the right decision, but you said that that's probably what you would do.","start":1942.7451,"end":1947.0651,"sentiment":"neutral","sentiment_score":0.2024377486668527},{"text":"And and like you said, there's no guarantee that my return will will be as good as it is at the moment.","start":1947.0651,"end":1953.5901,"sentiment":"neutral","sentiment_score":-0.038627088577909904},{"text":"It it could drop, whereas sitting it on the line, the interest saved is always gonna be a saving no matter what the interest rate does.","start":1953.5901,"end":1961.37,"sentiment":"neutral","sentiment_score":0.15220402252788728}],"sentiment":"neutral","sentiment_score":0.17283653770829296,"num_words":91,"start":1936.265,"end":1961.37},{"sentences":[{"text":"Yeah.","start":1962.9651,"end":1963.4651,"sentiment":"neutral","sentiment_score":0.27877098321914673},{"text":"Yeah.","start":1967.4451,"end":1967.9451,"sentiment":"neutral","sentiment_score":0.1833295375108719},{"text":"Yeah.","start":1973.6051,"end":1974.1051,"sentiment":"neutral","sentiment_score":0.16552399098873138},{"text":"Yes.","start":1976.88,"end":1977.38,"sentiment":"neutral","sentiment_score":0.2552708387374878},{"text":"Yes.","start":1983.28,"end":1983.78,"sentiment":"positive","sentiment_score":0.47853970527648926}],"sentiment":"neutral","sentiment_score":0.2722870111465454,"num_words":5,"start":1962.9651,"end":1983.78},{"sentences":[{"text":"Yes.","start":1991.92,"end":1992.42,"sentiment":"neutral","sentiment_score":0.2219082713127136},{"text":"Yeah.","start":1999.645,"end":2000.145,"sentiment":"neutral","sentiment_score":-0.11718957126140594},{"text":"Yeah.","start":2001.485,"end":2001.985,"sentiment":"neutral","sentiment_score":-0.10766740143299104},{"text":"And once the once the loan is moving down quicker, you can sort of see it happening.","start":2002.605,"end":2012.2001,"sentiment":"neutral","sentiment_score":-0.05818170528201496},{"text":"Because we have already owned a home that we completely paid off.","start":2012.2001,"end":2016.12,"sentiment":"neutral","sentiment_score":-0.006886879292627175}],"sentiment":"neutral","sentiment_score":-0.03358375758398324,"num_words":32,"start":1991.92,"end":2016.12},{"sentences":[{"text":"It was the home that we used to buy this home.","start":2016.12,"end":2018.595,"sentiment":"neutral","sentiment_score":0.0040022502229972315},{"text":"And, like, you're paying it off.","start":2018.835,"end":2020.115,"sentiment":"neutral","sentiment_score":0.020853002245227497},{"text":"You're paying then once it starts getting really low, then your payment you can really start seeing your payments move that line because, of course, your your balance is getting less and less.","start":2020.115,"end":2029.235,"sentiment":"neutral","sentiment_score":0.03209640796888958},{"text":"So that's what I was sort of hoping to see that, you you know, your $2,500 payment is is in reverse.","start":2029.235,"end":2037.77,"sentiment":"neutral","sentiment_score":0.06330023102817081},{"text":"Instead of only a thousand coming off, it might be a a thousand 500 coming off and and the interest is only a thousand.","start":2037.77,"end":2044.6499,"sentiment":"neutral","sentiment_score":0.016007101473708946}],"sentiment":"neutral","sentiment_score":0.030966310693245184,"num_words":95,"start":2016.12,"end":2044.6499},{"sentences":[{"text":"Like, I want the greater to be what's coming off rather than the interest being greater the greater part.","start":2044.6499,"end":2050.325,"sentiment":"neutral","sentiment_score":-0.020404559217001263},{"text":"Yeah.","start":2059.825,"end":2060.325,"sentiment":"neutral","sentiment_score":-0.008120731450617313},{"text":"Yeah.","start":2066.3198,"end":2066.8198,"sentiment":"neutral","sentiment_score":0.01672334596514702},{"text":"Yep.","start":2069.44,"end":2069.94,"sentiment":"neutral","sentiment_score":0.04278678819537163},{"text":"Yep.","start":2098.7798,"end":2099.2798,"sentiment":"neutral","sentiment_score":0.011904454790055752}],"sentiment":"neutral","sentiment_score":-0.014104033374915953,"num_words":23,"start":2044.6499,"end":2099.2798},{"sentences":[{"text":"Yes.","start":2125.55,"end":2125.785,"sentiment":"neutral","sentiment_score":0.09819591790437698},{"text":"Mhmm.","start":2128.4248,"end":2128.9248,"sentiment":"neutral","sentiment_score":0.1841682493686676},{"text":"Yeah.","start":2130.265,"end":2130.765,"sentiment":"neutral","sentiment_score":0.04738277941942215},{"text":"Yeah.","start":2139.305,"end":2139.625,"sentiment":"neutral","sentiment_score":-0.0020986832678318024},{"text":"Yeah.","start":2139.625,"end":2140.125,"sentiment":"neutral","sentiment_score":0.0010788440704345703}],"sentiment":"neutral","sentiment_score":0.0657454214990139,"num_words":5,"start":2125.55,"end":2140.125},{"sentences":[{"text":"Alright then.","start":2140.85,"end":2141.49,"sentiment":"neutral","sentiment_score":0.015516843181103468},{"text":"So are we right to move forward with that move forward with that then?","start":2141.49,"end":2145.43,"sentiment":"neutral","sentiment_score":-0.020074990910610983},{"text":"Yeah.","start":2145.8901,"end":2146.3901,"sentiment":"neutral","sentiment_score":0.03337232023477554},{"text":"Yes.","start":2153.97,"end":2154.29,"sentiment":"neutral","sentiment_score":0.16471527516841888},{"text":"Yes.","start":2154.29,"end":2154.69,"sentiment":"neutral","sentiment_score":0.1580742746591568}],"sentiment":"neutral","sentiment_score":0.005586614930316021,"num_words":19,"start":2140.85,"end":2154.69},{"sentences":[{"text":"Yes.","start":2154.69,"end":2155.01,"sentiment":"neutral","sentiment_score":0.10199631005525588},{"text":"I am.","start":2155.01,"end":2155.6501,"sentiment":"neutral","sentiment_score":0.08179361373186111},{"text":"Yes.","start":2155.6501,"end":2156.055,"sentiment":"neutral","sentiment_score":0.15045414865016937},{"text":"Yep.","start":2159.015,"end":2159.515,"sentiment":"neutral","sentiment_score":0.07383761554956436},{"text":"Yeah.","start":2159.655,"end":2159.9749,"sentiment":"neutral","sentiment_score":0.05205206945538521}],"sentiment":"neutral","sentiment_score":0.09032122852901618,"num_words":6,"start":2154.69,"end":2159.9749},{"sentences":[{"text":"We'll close it down.","start":2159.9749,"end":2161.1948,"sentiment":"neutral","sentiment_score":0.10833997745066881},{"text":"Yep.","start":2161.255,"end":2161.755,"sentiment":"neutral","sentiment_score":0.15959738194942474},{"text":"Would you do you want the one that probably you transferred the first slot in to pay out that business loan or would you like the one that it's gonna actually sit on?","start":2170.88,"end":2180.0198,"sentiment":"neutral","sentiment_score":0.046448354298869766},{"text":"Yep.","start":2188.285,"end":2188.785,"sentiment":"neutral","sentiment_score":0.1200152337551117},{"text":"I think the the last thing you you transferred it to a Westpac account, I think, so it wouldn't be that one.","start":2197.72,"end":2203.5,"sentiment":"neutral","sentiment_score":-0.008184265937994827}],"sentiment":"neutral","sentiment_score":0.03386416994645947,"num_words":61,"start":2159.9749,"end":2203.5},{"sentences":[{"text":"I think you would have transferred it to 872483.","start":2205.4001,"end":2212.155,"sentiment":"neutral","sentiment_score":0.002588332992874914},{"text":"Sure.","start":2245.3252,"end":2245.8252,"sentiment":"neutral","sentiment_score":0.063081294298172},{"text":"Yes.","start":2245.885,"end":2246.205,"sentiment":"neutral","sentiment_score":0.04683654010295868},{"text":"I am.","start":2246.205,"end":2246.6052,"sentiment":"neutral","sentiment_score":0.02997923642396927},{"text":"So Mhmm.","start":2246.6052,"end":2265.02,"sentiment":"neutral","sentiment_score":-0.016913040541112423}],"sentiment":"neutral","sentiment_score":0.010623014873514573,"num_words":15,"start":2205.4001,"end":2265.02},{"sentences":[{"text":"Either that or I if you want me to forward it to our phone, or that's the same.","start":2267.865,"end":2273.5652,"sentiment":"neutral","sentiment_score":-0.02027842200671633},{"text":"Probably hang on a lot.","start":2273.7852,"end":2275.165,"sentiment":"neutral","sentiment_score":-0.14090251177549362},{"text":"Yeah.","start":2280.5051,"end":2281.0051,"sentiment":"neutral","sentiment_score":-0.030366241931915283},{"text":"I didn't hear a beep, but your voice is now much much higher much much louder.","start":2283.1199,"end":2288.9,"sentiment":"neutral","sentiment_score":-0.023022443056106567},{"text":"Yeah.","start":2289.44,"end":2289.94,"sentiment":"neutral","sentiment_score":0.2790862023830414}],"sentiment":"neutral","sentiment_score":-0.029003982523047343,"num_words":41,"start":2267.865,"end":2289.94},{"sentences":[{"text":"Something happened.","start":2290.4,"end":2291.38,"sentiment":"positive","sentiment_score":0.4628038853406906},{"text":"Yeah.","start":2291.44,"end":2291.94,"sentiment":"neutral","sentiment_score":0.15216168761253357},{"text":"Okay.","start":2297.695,"end":2298.095,"sentiment":"neutral","sentiment_score":0.018358618021011353},{"text":"So the BSP is 064 175, and the account is 12509218.","start":2298.095,"end":2315.15,"sentiment":"neutral","sentiment_score":0.017219620672139255},{"text":"Yes.","start":2320.73,"end":2321.0498,"sentiment":"neutral","sentiment_score":0.0582691952586174}],"sentiment":"neutral","sentiment_score":0.08398831868544221,"num_words":16,"start":2290.4,"end":2321.0498},{"sentences":[{"text":"It is.","start":2321.0498,"end":2321.53,"sentiment":"neutral","sentiment_score":0.05954541079699993},{"text":"Yep.","start":2321.53,"end":2321.8499,"sentiment":"neutral","sentiment_score":0.06565611064434052},{"text":"So it was probably p j and y c Wooderson, I'd say.","start":2321.8499,"end":2325.235,"sentiment":"neutral","sentiment_score":0.08938957254091899},{"text":"Yeah.","start":2325.235,"end":2325.735,"sentiment":"neutral","sentiment_score":0.08400975167751312},{"text":"Yep.","start":2331.315,"end":2331.815,"sentiment":"neutral","sentiment_score":0.022135918959975243}],"sentiment":"neutral","sentiment_score":0.08020985137452097,"num_words":17,"start":2321.0498,"end":2331.815},{"sentences":[{"text":"Yep.","start":2332.7551,"end":2333.2551,"sentiment":"neutral","sentiment_score":0.01845450885593891},{"text":"Yep.","start":2336.2751,"end":2336.7751,"sentiment":"neutral","sentiment_score":0.01962459087371826},{"text":"Yes.","start":2338.24,"end":2338.74,"sentiment":"neutral","sentiment_score":0.07961665093898773},{"text":"Yes.","start":2354.925,"end":2355.325,"sentiment":"neutral","sentiment_score":0.02000018022954464},{"text":"Yeah.","start":2355.325,"end":2355.565,"sentiment":"neutral","sentiment_score":-0.004338406026363373}],"sentiment":"neutral","sentiment_score":0.026671504974365233,"num_words":5,"start":2332.7551,"end":2355.565},{"sentences":[{"text":"We'll go back.","start":2355.565,"end":2356.285,"sentiment":"neutral","sentiment_score":-0.04484390281140804},{"text":"Start again.","start":2356.285,"end":2357.0051,"sentiment":"neutral","sentiment_score":0.012740148231387138},{"text":"Yep.","start":2357.0051,"end":2357.5051,"sentiment":"neutral","sentiment_score":0.14374783635139465},{"text":"That's correct.","start":2372.62,"end":2373.52,"sentiment":"neutral","sentiment_score":0.09412705898284912},{"text":"Yep.","start":2373.58,"end":2374.08,"sentiment":"neutral","sentiment_score":0.09420371055603027}],"sentiment":"neutral","sentiment_score":0.03523936143351926,"num_words":9,"start":2355.565,"end":2374.08},{"sentences":[{"text":"Yes.","start":2380.095,"end":2380.415,"sentiment":"neutral","sentiment_score":0.12674355506896973},{"text":"I 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good.","start":2415.985,"end":2416.725,"sentiment":"positive","sentiment_score":0.5751343667507172},{"text":"Yep.","start":2430.16,"end":2430.66,"sentiment":"neutral","sentiment_score":0.20582252740859985},{"text":"That sounds good.","start":2442.405,"end":2443.23,"sentiment":"positive","sentiment_score":0.40621893604596454}],"sentiment":"neutral","sentiment_score":0.22121894703461573,"num_words":13,"start":2414.225,"end":2443.23},{"sentences":[{"text":"Yeah.","start":2443.23,"end":2443.47,"sentiment":"neutral","sentiment_score":0.20010489225387573},{"text":"That sounds great.","start":2443.47,"end":2444.61,"sentiment":"positive","sentiment_score":0.3523118744293849},{"text":"Sorry about no.","start":2453.23,"end":2453.95,"sentiment":"neutral","sentiment_score":-0.17093057930469513},{"text":"I'm not sure I can.","start":2453.95,"end":2455.09,"sentiment":"neutral","sentiment_score":-0.17355261296033858},{"text":"How is it?","start":2464.7048,"end":2465.765,"sentiment":"neutral","sentiment_score":0.02157638594508171}],"sentiment":"neutral","sentiment_score":-0.0039190086225668564,"num_words":15,"start":2443.23,"end":2465.765},{"sentences":[{"text":"Okay then.","start":2473.36,"end":2474.1,"sentiment":"neutral","sentiment_score":0.03505992516875267},{"text":"Yep.","start":2474.4001,"end":2474.9001,"sentiment":"neutral","sentiment_score":0.09376108646392822},{"text":"Okay then.","start":2476.08,"end":2476.9602,"sentiment":"neutral","sentiment_score":0.045362163335084915},{"text":"Yes.","start":2476.9602,"end":2477.4602,"sentiment":"neutral","sentiment_score":0.05250777676701546},{"text":"Alrighty.","start":2478.4001,"end":2478.9001,"sentiment":"neutral","sentiment_score":0.08931834250688553}],"sentiment":"neutral","sentiment_score":0.056633054677929194,"num_words":7,"start":2473.36,"end":2478.9001},{"sentences":[{"text":"I I, yeah, I feel I feel good.","start":2484.8801,"end":2487.155,"sentiment":"neutral","sentiment_score":-0.005034249741584062},{"text":"And if if I was to go back into the workforce, which I can't see happening, unless the job was to land in my lap, I just would have to take on any sort of super, wouldn't I?","start":2487.155,"end":2497.235,"sentiment":"neutral","sentiment_score":-0.08525650575757027},{"text":"Just I just have to take on the employees, whatever they wanna do.","start":2497.235,"end":2502.99,"sentiment":"neutral","sentiment_score":-0.007548503147868009},{"text":"Yes.","start":2503.29,"end":2503.79,"sentiment":"neutral","sentiment_score":0.04671835154294968},{"text":"We're starting from fresh, so it really wouldn't matter.","start":2504.01,"end":2506.43,"sentiment":"neutral","sentiment_score":0.06386308227148321}],"sentiment":"neutral","sentiment_score":-0.03995167631385983,"num_words":69,"start":2484.8801,"end":2506.43},{"sentences":[{"text":"Yes.","start":2519.225,"end":2519.705,"sentiment":"neutral","sentiment_score":0.0955018550157547},{"text":"That's right.","start":2519.705,"end":2520.445,"sentiment":"neutral","sentiment_score":0.11257117614150047},{"text":"Yeah.","start":2527.11,"end":2527.35,"sentiment":"neutral","sentiment_score":0.10371915251016615},{"text":"Yep.","start":2527.35,"end":2527.85,"sentiment":"neutral","sentiment_score":0.13915546238422394},{"text":"Yep.","start":2534.79,"end":2535.29,"sentiment":"neutral","sentiment_score":0.16395637392997742}],"sentiment":"neutral","sentiment_score":0.12124586602052052,"num_words":6,"start":2519.225,"end":2535.29},{"sentences":[{"text":"Yep.","start":2541.51,"end":2542.01,"sentiment":"neutral","sentiment_score":0.13991022109985352},{"text":"Yes.","start":2549.735,"end":2550.215,"sentiment":"neutral","sentiment_score":0.18066903948783877},{"text":"I heard so.","start":2550.215,"end":2551.0151,"sentiment":"neutral","sentiment_score":0.18013685444990793},{"text":"Yep.","start":2551.0151,"end":2551.5151,"sentiment":"neutral","sentiment_score":0.1942592561244965},{"text":"Alright then.","start":2552.615,"end":2553.595,"sentiment":"neutral","sentiment_score":0.15765752643346786}],"sentiment":"neutral","sentiment_score":0.17132051661610603,"num_words":8,"start":2541.51,"end":2553.595},{"sentences":[{"text":"No.","start":2555.0151,"end":2555.175,"sentiment":"neutral","sentiment_score":-0.07776090502738953},{"text":"No.","start":2555.175,"end":2555.64,"sentiment":"neutral","sentiment_score":-0.1625508964061737},{"text":"No.","start":2556.2798,"end":2556.5999,"sentiment":"neutral","sentiment_score":-0.1479337066411972},{"text":"I I no.","start":2556.5999,"end":2558.1199,"sentiment":"neutral","sentiment_score":-0.10407112911343575},{"text":"I think that's good.","start":2558.1199,"end":2559.0798,"sentiment":"neutral","sentiment_score":0.3108103349804878}],"sentiment":"neutral","sentiment_score":0.054278244450688365,"num_words":10,"start":2555.0151,"end":2559.0798},{"sentences":[{"text":"I think that's what I've been wanting to do for quite some time.","start":2559.0798,"end":2562.2998,"sentiment":"neutral","sentiment_score":0.1827754441362161},{"text":"Yep.","start":2562.44,"end":2562.94,"sentiment":"neutral","sentiment_score":0.14844952523708344},{"text":"Alright then.","start":2565.72,"end":2566.3599,"sentiment":"positive","sentiment_score":0.4487178325653076},{"text":"Thank you so much for your help.","start":2566.3599,"end":2568.1108,"sentiment":"positive","sentiment_score":0.7430080430848258},{"text":"Okay then.","start":2572.2708,"end":2572.9907,"sentiment":"positive","sentiment_score":0.459165558218956}],"sentiment":"positive","sentiment_score":0.381654135286808,"num_words":25,"start":2559.0798,"end":2572.9907},{"sentences":[{"text":"Thank you, love.","start":2572.9907,"end":2573.8909,"sentiment":"positive","sentiment_score":0.8284525672594706},{"text":"Okay.","start":2574.8308,"end":2575.3308,"sentiment":"neutral","sentiment_score":0.2821953594684601},{"text":"Bye bye.","start":2575.3909,"end":2576.1309,"sentiment":"neutral","sentiment_score":0.04947458207607269}],"sentiment":"positive","sentiment_score":0.47775037089983624,"num_words":6,"start":2572.9907,"end":2576.1309}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Yvonne. It's Dana from OCU Financial. How are you?\n\nChannel 1: Too bad. I'm so sorry about before I\n\nChannel 0: That's okay.\n\nChannel 1: had people arrive, friends of mine arrive, and they wanted to borrow the car trailer. So I went out to help\n\nChannel 0: Yeah.\n\nChannel 1: them do that and then totally forgot about you.\n\nChannel 0: That's okay. Honestly, it is not a problem at all. Sammy got\n\nChannel 1: Okay.\n\nChannel 0: you rebooked in for now, so it's not an issue at all. And, look, I'll try and take up too much of your time. But before we, jump into the call, I do have to let you know we do record our calls for quality and training\n\nChannel 1: Yes.\n\nChannel 0: purposes. Are you\n\nChannel 1: Yep.\n\nChannel 0: happy\n\nChannel 1: That's\n\nChannel 0: for me\n\nChannel 1: fine.\n\nChannel 0: to proceed\n\nChannel 1: Yeah.\n\nChannel 0: with that?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: That's good.\n\nChannel 0: Excellent. And just do a really quick security check there for you. Just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yvonne Sheryl Wooderson, seventeenth of the eighth nineteen sixty four. And did\n\nChannel 0: Yep.\n\nChannel 1: you say address too? Or\n\nChannel 0: Yes, please.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: 30 Green 30 Green Avenue, Glenley 4711.\n\nChannel 0: Beautiful. Thank you so much for that. So\n\nChannel 1: That's\n\nChannel 0: I've\n\nChannel 1: okay.\n\nChannel 0: had a bit of a look at the two different options there for you, and, ultimately, it does come down to what's more important to you, what you wanna do moving forward. But if we sort of plug the information into the mortgage calculator, at the moment, you currently have about, sorry, twenty six years and ten months left on the mortgage owing. The current\n\nChannel 1: Mhmm.\n\nChannel 0: balance is 384,551 and 3¢ there. Could have changed since we got the statement, which is okay.\n\nChannel 1: Yes. Yep.\n\nChannel 0: It does look like you are paying additional or extra onto the mortgage, which is great to help reduce that faster,\n\nChannel 1: Mhmm.\n\nChannel 0: And the interest rate owing is about 6.8 6.18% currently based on the current interest rate there. With if you were to take out the balance, which at the moment, you have a 119,109. If we were to put the 119,000, I'm just using rounded numbers here,\n\nChannel 1: Yes.\n\nChannel 0: it essentially shows as an estimate based on the current circumstances, you could save thirteen years off the loan. Interest saved over that time frame equates to $297,701.\n\nChannel 1: Mhmm.\n\nChannel 0: So it is good. It is a great scenario. Within super, the obviously, there's no contributions going into super. The amount\n\nChannel 1: No.\n\nChannel 0: can definitely stay there. It can certainly grow. And with the the investor profile that you're with the\n\nChannel 1: Mhmm.\n\nChannel 0: portfolio that you're in at the moment that we have to switch you to, that has shown a five year rolling average. So an average return\n\nChannel 1: Mhmm.\n\nChannel 0: over the past five five years of 12.97120.97%. One of the biggest things to sort of think about is when you're looking at moving forward, the interest rate within super is never guaranteed. It is based on past performance. There is no guarantee that future performance is going to be the same. One of the benefits to putting the funds into the mortgage is that you are reducing the mortgage.\n\nIt's a guaranteed rate of return because you're saving that 6.18%.\n\nChannel 1: Mhmm.\n\nChannel 0: Moving forward, the other other aspect is it could certainly help down the track when it comes to Centrelink and things like that because your super when do you hit age 67 if you decide you wanna apply for age pension, and I can certainly help you with that. But if you decide to apply for age pension, your super balance is assessed as an asset, as a financial asset for both the income\n\nChannel 1: Yes.\n\nChannel 0: and the assets test. Whereas if you put the money on the mortgage, it is\n\nChannel 1: Mhmm.\n\nChannel 0: completely unaccessible because the money is sitting in your main primary residence, which is Centrelink exempt, essentially.\n\nChannel 1: Does it does it matter if\n\nChannel 0: Yes.\n\nChannel 1: it's not sitting directly on the line but sitting on the redraw facility? Is that all okay?\n\nChannel 0: That's that is still technically assessed. It would need to be sitting on the loan itself to be non\n\nChannel 1: Okay.\n\nChannel 0: assessable by Centrelink because they ask\n\nChannel 1: Yep.\n\nChannel 0: for all your bank accounts. And offset account is still a transaction account,\n\nChannel 1: Yep.\n\nChannel 0: so\n\nChannel 1: Yep.\n\nChannel 0: you can still use the money. So\n\nChannel 1: Yep.\n\nChannel 0: if it is sitting on the actual loan, it is still usable. You can redraw it off if you need to use the funds, but sitting on the loan is more preferable to keep it sheltered away from Stentalink assessment as well. So\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: when\n\nChannel 0: is one\n\nChannel 1: you say\n\nChannel 0: aspect of benefits. Yeah.\n\nChannel 1: so\n\nChannel 0: Sorry.\n\nChannel 1: let me just clarify\n\nChannel 0: Sure.\n\nChannel 1: because I'm a bit dumb. So\n\nChannel 0: No.\n\nChannel 1: I have\n\nChannel 0: You're\n\nChannel 1: a read\n\nChannel 0: not.\n\nChannel 1: I have a redraw facility and I do have\n\nChannel 0: Yes.\n\nChannel 1: the account the offset account.\n\nChannel 0: Yep.\n\nChannel 1: Both of them wouldn't it has to actually sit on the line where you can't access it back. Is that what you're saying?\n\nChannel 0: So when you sit on the loan, that is essentially utilizing the redraw facility. So when you put\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: okay.\n\nChannel 0: the funds onto the loan, you're actually dropping the balance up front. If you think about the loan and the offset account as they are technically two separate accounts, the offset account\n\nChannel 1: Okay. Yes.\n\nChannel 0: shows the loan balance at the higher rate. So putting\n\nChannel 1: Yep.\n\nChannel 0: that 119,000, it still shows you owe the 384,000\n\nChannel 1: Yes. It\n\nChannel 0: 5\n\nChannel 1: does.\n\nChannel 0: 51. But when you look at the interest, the interest is calculated on that minus what's in the offset\n\nChannel 1: Yep.\n\nChannel 0: account. Whereas\n\nChannel 1: Yes.\n\nChannel 0: putting it on the loan itself drops the balance\n\nChannel 1: Yes.\n\nChannel 0: from\n\nChannel 1: Yep.\n\nChannel 0: that $3.84, essentially, what that would be about 2 sorry. If I just go back, drops your balance roughly to 265,000. So you would you would actually see your loan balance dropping.\n\nChannel 1: Mhmm.\n\nChannel 0: Both options both accounts still reduce the amount of interest that you're paying on the\n\nChannel 1: Yes.\n\nChannel 0: loan. It's just that the money sitting on the actual loan itself has reduced the balance, whereas an offset account is still a transactional account. You can still use those funds very easily. You can use them from the loan and redraw, but Centrelink still assess an offset account as a bank account,\n\nChannel 1: Oh, okay.\n\nChannel 0: as savings,\n\nChannel 1: Yeah. Good\n\nChannel 0: and\n\nChannel 1: to\n\nChannel 0: money\n\nChannel 1: know because\n\nChannel 0: sitting in the yeah.\n\nChannel 1: yes. Sorry. You're right. Sorry\n\nChannel 0: Sorry.\n\nChannel 1: to interrupt.\n\nChannel 0: You're\n\nChannel 1: Sorry.\n\nChannel 0: fine.\n\nChannel 1: When\n\nChannel 0: You're\n\nChannel 1: when\n\nChannel 0: fine.\n\nChannel 1: we had our loan with Westpac, we never had an\n\nChannel 0: Yeah.\n\nChannel 1: offset account. So I just\n\nChannel 0: Right.\n\nChannel 1: used to whack everything on the redraw facility. When we refinanced\n\nChannel 0: Yeah.\n\nChannel 1: and the chap got us this one through CBA, he I said to him, now I probably would like to be paying more on the loan than what's required.\n\nChannel 0: Yeah.\n\nChannel 1: And he said,\n\nChannel 0: Yeah.\n\nChannel 1: I really wouldn't worry about that. I'd just be whacking any extra money that you would have on your offset account because it all acts\n\nChannel 0: Mhmm.\n\nChannel 1: the same. So is that not true?\n\nChannel 0: Yeah. It\n\nChannel 1: Like,\n\nChannel 0: is.\n\nChannel 1: I\n\nChannel 0: It is ex yeah.\n\nChannel 1: because\n\nChannel 0: No. He\n\nChannel 1: I've\n\nChannel 0: is\n\nChannel 1: got 80\n\nChannel 0: right.\n\nChannel 1: I've got $80 sitting in the offset account, whereas I could\n\nChannel 0: Yep.\n\nChannel 1: put it on to the redraw facility if that works better.\n\nChannel 0: It works exactly the same way\n\nChannel 1: Oh,\n\nChannel 0: when you consider\n\nChannel 1: it does\n\nChannel 0: the\n\nChannel 1: work\n\nChannel 0: interest\n\nChannel 1: the same.\n\nChannel 0: portion of it. It's just about how the money is is assessed for settling purposes. When you get to that point, you're still a little ways off. You're not quite at 60\n\nChannel 1: Yeah.\n\nChannel 0: seven yet,\n\nChannel 1: No.\n\nChannel 0: But it it works the same way for the interest component. It's just\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: that's good. That's good. That\n\nChannel 0: yeah.\n\nChannel 1: was my\n\nChannel 0: It's\n\nChannel 1: main\n\nChannel 0: more just\n\nChannel 1: worry. But\n\nChannel 0: the\n\nChannel 1: for\n\nChannel 0: long term\n\nChannel 1: Centrelink,\n\nChannel 0: assessment.\n\nChannel 1: I would switch it to the reader or facility.\n\nChannel 0: Yeah. Absolutely. For the purpose of this, if you decide you wanna withdraw all\n\nChannel 1: Yeah.\n\nChannel 0: the super, that's fine. And considering\n\nChannel 1: Cool.\n\nChannel 0: the offset account, it's still offsetting the amount of interest that you're paying on the loan.\n\nChannel 1: Yep.\n\nChannel 0: It just shows the loan balance at the higher rate. So what happens is the interest on the loan is calculated. The loan balance minus what's in the offset account, and that gives you how much interest you're, you know, paying\n\nChannel 1: Mhmm.\n\nChannel 0: essentially or\n\nChannel 1: Yep.\n\nChannel 0: what balance you're paying interest on. So the offset\n\nChannel 1: Yep.\n\nChannel 0: account absolutely works the same way. It's more\n\nChannel 1: Yep.\n\nChannel 0: just looking at the long term assessment down the track. For\n\nChannel 1: Yep.\n\nChannel 0: now, you know, it's absolutely fine to have that to sit there. What I\n\nChannel 1: Yep.\n\nChannel 0: would wanna look at is that when you get to age 67, if you then apply for Centrelink and maybe moving the money onto the loan itself, having a small amount in your offset account. That way we could maybe, you know, still get a better assessment and actually drop your balance and shelter money that way. So having a loan will shelter those funds down the track for you. Does that make sense?\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: You're if it doesn't, let me know. Please ask\n\nChannel 1: I\n\nChannel 0: any\n\nChannel 1: I\n\nChannel 0: questions\n\nChannel 1: just\n\nChannel 0: you have.\n\nChannel 1: I just I just wish I had your brain. That's what I wish.\n\nChannel 0: I don't know. It's pretty scary inside\n\nChannel 1: You shouldn't\n\nChannel 0: my head.\n\nChannel 1: you\n\nChannel 0: Not gonna\n\nChannel 1: shouldn't\n\nChannel 0: lie.\n\nChannel 1: have to be making money decisions when you're starting to get old, But I\n\nChannel 0: No.\n\nChannel 1: guess\n\nChannel 0: That's\n\nChannel 1: there's no other\n\nChannel 0: okay.\n\nChannel 1: way of doing it. Yeah.\n\nChannel 0: No. That's okay.\n\nChannel 1: So like you said, putting that super money onto the loan would\n\nChannel 0: Mhmm.\n\nChannel 1: reduce the loan by thirteen years when, of course, our ultimate our ultimate plan was never to have that loan for twenty six years or we took it\n\nChannel 0: Yeah.\n\nChannel 1: out for thirty, but was never ever going to have that loan for thirty years. And I think that's the bank was very aware of that because I said to the finance broker, how do we get a refinance how do we refinance a loan of 400,000 when we're this age? And he said, well, I think they they just have to realize that you're not going to stay in this house when you're aging and you will sell it, pay off the loan,\n\nChannel 0: Yeah.\n\nChannel 1: and and there you go.\n\nChannel 0: Yeah.\n\nChannel 1: So, of course, we were never gonna have it that that length of time, and you're saying that this interest would this money on the facility would reduce our loan by thirteen years, but I'm I'm more interested in how much it would save us in comparison to how much I would earn from super. So do\n\nChannel 0: Well,\n\nChannel 1: do you\n\nChannel 0: with\n\nChannel 1: know what\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: Yeah.\n\nChannel 1: comparison\n\nChannel 0: Absolutely.\n\nChannel 1: would be?\n\nChannel 0: So if we look at the projection table over the next sort of five to ten years, the amount of money growing. So we are working on a balance of 112 because that's what you had when I did the advice\n\nChannel 1: Yep.\n\nChannel 0: document.\n\nChannel 1: Okay.\n\nChannel 0: But as a comparison, from when we did the advice for five years, your super balance could increase to a $167,006.48. That's if you're able to obtain that 12.97\n\nChannel 1: Yep.\n\nChannel 0: percent\n\nChannel 1: Yes.\n\nChannel 0: return over the next five years.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Over the\n\nChannel 1: All\n\nChannel 0: next\n\nChannel 1: depends\n\nChannel 0: ten years\n\nChannel 1: on the interest rate.\n\nChannel 0: correct. Yeah. It could also, over the next ten years, increase to 252,000. However, when you consider putting it onto the mortgage, the mortgage calculator shows that\n\nChannel 1: Uh-huh.\n\nChannel 0: the interest saved over the net over the last of the loan is 297,000. So, realistically, you're actually saving a little bit more interest on the loan than you would be making in the super. But\n\nChannel 1: But\n\nChannel 0: it's\n\nChannel 1: we're\n\nChannel 0: also\n\nChannel 1: not gonna\n\nChannel 0: gotta\n\nChannel 1: have\n\nChannel 0: be\n\nChannel 1: it over we're not gonna have it over that length of time, though.\n\nChannel 0: yeah. Yeah. It also means that if you were to sell the property, you\n\nChannel 1: Yep.\n\nChannel 0: have less of a loan to pay off. So\n\nChannel 1: Yes.\n\nChannel 0: you could end up with more in your back pocket as well.\n\nChannel 1: Yep.\n\nChannel 0: The only sort of thing to consider is that that money will no longer be sitting in super. It will be in the loan.\n\nChannel 1: Yep.\n\nChannel 0: So interest rates going down, obviously, can have an effect. Interest rates going up can still also have an effect.\n\nChannel 1: Mhmm.\n\nChannel 0: You know, you're still Peter still his super is all still here. So, you know, we have an ETVA. You can still liaise and help, and I can still give you both advice and things like that. That's not a problem at all.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Yes.\n\nChannel 0: just about working out what's more important to you. Do you want the money sitting in super hoping it's gonna grow and keeping it accessible in the super system, or would you rather just take it out? You're not working. You're over 60. It is tax free.\n\nYou can access it. You can take it out, put it on the loan, and save some interest knowing you still have it there if you do choose to or need to access it down the track. So it's just a a matter of working out what what's more important to you. Which way would you like to go?\n\nChannel 1: Okay. So I know you can't give me advice on what I should actually do. I I understand\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: I can.\n\nChannel 1: you can't but\n\nChannel 0: Yeah. No.\n\nChannel 1: but\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: definitely\n\nChannel 1: need to\n\nChannel 0: can.\n\nChannel 1: know with your wonderful brain that if you were\n\nChannel 0: Yeah.\n\nChannel 1: in my position looking at everything, what would you do?\n\nChannel 0: Absolutely. So I can definitely look at doing a personal advice document, which weighs up a new projection based on super basis on the mortgage and look at, you know, which way you should go to to meet the goal that you're after.\n\nChannel 1: Yes.\n\nChannel 0: But if in my position, if I was your age knowing I wanted to, you know, try and get the mortgage paid down, if paying down my property was my main my main goal,\n\nChannel 1: Yep.\n\nChannel 0: knowing my husband has enough super, is still working, does wanna work a bit longer, we, you know, can probably live off his super and hopefully access Centrelink. I would personally, in my shoes, I would look at maybe trying to pay down my mortgage because it is\n\nChannel 1: Mhmm. March.\n\nChannel 0: a guaranteed rate of return. The interest you're paying fluctuates depending on the interest rate. Interest\n\nChannel 1: Yep.\n\nChannel 0: rates did go up a lot over the past couple of years after COVID. They went up to close to, you know, 9% in some some loans,\n\nChannel 1: Yep.\n\nChannel 0: some mortgages, and the risk\n\nChannel 1: Yep.\n\nChannel 0: of that happening again is definitely higher\n\nChannel 1: Yep.\n\nChannel 0: in saying that just making sure you're aware that money is no longer in the super system. If you do need it, it's a matter of drawing it out of the mortgage, which then\n\nChannel 1: Yes.\n\nChannel 0: increases the amount of interest you are paying. But\n\nChannel 1: Yep.\n\nChannel 0: it reduces your loan pretty significantly, reduces the amount of it reduces your minimum mortgage repayments as well. So, like, if\n\nChannel 1: Oh,\n\nChannel 0: the interest\n\nChannel 1: that's it.\n\nChannel 0: is lower, well, over time, it will. And the more you keep putting in, put a the same as what he said last time, put all your spare money into the into the offset account, into the mortgage, you'll eventually be paying way more than what you need to be. That way, interest rates actually have very little effect on your mortgage over\n\nChannel 1: Yeah.\n\nChannel 0: time.\n\nChannel 1: Yep.\n\nChannel 0: But if it was me in my shoes and I had I was at your age and I had a, you know, twenty six year loan on my property, we we don't wanna be paying a mortgage off into our nineties. Even\n\nChannel 1: No.\n\nChannel 0: though we might wanna sell the property down the track, we don't really know when that's gonna come up or when we wanna sell the property.\n\nChannel 1: Yep.\n\nChannel 0: I would be looking at, you know, trying to reduce my mortgage as much as possible. That\n\nChannel 1: Yeah.\n\nChannel 0: also, when Pete does retire, means\n\nChannel 1: Yeah.\n\nChannel 0: that if you don't have the mortgage or have very little mortgage, it also means you can look to draw less money out of the super system from his super to also keep covering your bills and expenses\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: Right. Yeah. Because we wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: be trying to find 2,500 every month.\n\nChannel 0: Correct. Yeah. It\n\nChannel 1: Yeah.\n\nChannel 0: also, like, with the amount of stress that you guys\n\nChannel 1: Yep.\n\nChannel 0: have gone through over the last couple of years with loans and repayments and dealing with banks and financial institutions, this might just\n\nChannel 1: Yep.\n\nChannel 0: also alleviate a little bit less stress off your plate. Plate.\n\nChannel 1: We we are just trying to\n\nChannel 0: Yeah.\n\nChannel 1: do as much as we can to stop money being spent. And I know that\n\nChannel 0: Yeah.\n\nChannel 1: this might not sound like a great thing to some people, but to us, we just have cut down dramatically on life insurance. Because I just said to Peter, it's just\n\nChannel 0: Yeah.\n\nChannel 1: such dead money, and\n\nChannel 0: Yeah.\n\nChannel 1: surely you're super and and the little bit of life insurance that he now has. So I really should recap that with you at one time that\n\nChannel 0: Yeah.\n\nChannel 1: his life insurance has changed because he it was just gonna go up again\n\nChannel 0: Definitely.\n\nChannel 1: this month. And I just\n\nChannel 0: Yeah.\n\nChannel 1: said, oh, you just need to you need to to like, it's it's sad to say is is I probably need his life insurance more than he needs mine because if I die, he\n\nChannel 0: Yeah.\n\nChannel 1: can keep working. If\n\nChannel 0: Yeah.\n\nChannel 1: I if he dies, I've gotta rely on that to pay out the house.\n\nChannel 0: Yeah.\n\nChannel 1: So he's\n\nChannel 0: Yeah.\n\nChannel 1: kept he took off an expensive part of the policy, which was, you know, when you get permanently disabled in your job. And I said, look.\n\nChannel 0: Yep.\n\nChannel 1: You're in a job at the moment where they really, really look after the workers, and and they they don't like any accidents to happen and things like that. So how about we get rid of that and lessen the amount of life insurance? So\n\nChannel 0: Yeah.\n\nChannel 1: that's what we've\n\nChannel 0: Yeah.\n\nChannel 1: done with him.\n\nChannel 0: Yep.\n\nChannel 1: At the moment, mine\n\nChannel 0: Yep.\n\nChannel 1: is still the same, and I just haven't got around to changing it. But that is something we're trying to lessen costs with as well. And the other thing that we're trying to change is house insurance. Holy crap.\n\nChannel 0: Oh,\n\nChannel 1: It's\n\nChannel 0: it's\n\nChannel 1: it's\n\nChannel 0: expensive.\n\nChannel 1: they won't reduce it for us because unless we get an assessment done by a builder. Because\n\nChannel 0: Really?\n\nChannel 1: they yeah. Because well, we're with an insurance broker, and we have been\n\nChannel 0: Yeah.\n\nChannel 1: for all the years that we've been in business. And I know\n\nChannel 0: Yeah.\n\nChannel 1: that they are they can only give insurance with their line of people. They don't they can't they don't access every insurer. There's certain insurers that they don't go through. They just work with certain amount. But\n\nChannel 0: Yeah.\n\nChannel 1: the insure the company that we've been with all this time, they won't lessen our insurance unless we get a builder to say that we could rebuild for the lesser amount. But in all honesty, Dana, our property would be lucky to sell for 1,200,000. They've\n\nChannel 0: Yeah.\n\nChannel 1: got it\n\nChannel 0: Wow.\n\nChannel 1: insured for 1,700,000.\n\nChannel 0: Wow.\n\nChannel 1: And that that in when you sell, you're selling the house and the land, and yet we'd be lucky to get 1.2, 1.3 at the most. But it's\n\nChannel 0: Wow.\n\nChannel 1: insured for 1.7 because they offered every year.\n\nChannel 0: Yeah.\n\nChannel 1: And and we said that's way too high. We need you to be less than that, but they won't unless we get a builder's valuation of what what rebuilding cost would be. So I've just gone through CBA people who we've got the loan through, and they can do it cheaper for about 200 a month. So I'm in\n\nChannel 0: Yeah.\n\nChannel 1: the process\n\nChannel 0: Wow.\n\nChannel 1: of maybe changing to that. But yeah. What a 1,700,000 to rebuild a house if it burns down. And who's to say we wanna build a six bedroom house again?\n\nChannel 0: Yeah. Correct.\n\nChannel 1: Really weird.\n\nChannel 0: Yeah.\n\nChannel 1: Really weird\n\nChannel 0: Yeah.\n\nChannel 1: insurance.\n\nChannel 0: It it\n\nChannel 1: So, yeah, at this time\n\nChannel 0: is.\n\nChannel 1: in our life, just trying to stop\n\nChannel 0: It\n\nChannel 1: money going out\n\nChannel 0: is.\n\nChannel 1: for no reason.\n\nChannel 0: Yes.\n\nChannel 1: You know? But\n\nChannel 0: Yes.\n\nChannel 1: that's something for me to think about. But you would do what I've been thinking about anyway. You would think that lessening I\n\nChannel 0: Yeah.\n\nChannel 1: just see\n\nChannel 0: The\n\nChannel 1: when\n\nChannel 0: mortgage.\n\nChannel 1: you're putting 2,500 onto a home loan and only paying off 1,000 each time, pretty disheartening. It just really gets\n\nChannel 0: It's\n\nChannel 1: you. And\n\nChannel 0: like\n\nChannel 1: I know everyone's doing that, but I just want to see more coming off the house, which ultimately what is what happens\n\nChannel 0: me\n\nChannel 1: when the interest isn't so high when the\n\nChannel 0: yeah.\n\nChannel 1: interest\n\nChannel 0: Yep.\n\nChannel 1: amount isn't so high.\n\nChannel 0: Absolutely. And, realistically, the bank would have assessed your super as an exit strategy. If something happened to the two of you and they had to, you know, call\n\nChannel 1: Yes.\n\nChannel 0: the money back, can you access your super? So they would have absolutely accounted for your super as part of the assessment of an\n\nChannel 1: Okay.\n\nChannel 0: exit strategy,\n\nChannel 1: Yes.\n\nChannel 0: which is what they look at. Because they know when in your fifties and sixties, you're not gonna be working for thirty years. So they look at if something was to happen to you, what insurances do you have, how do\n\nChannel 1: Yes.\n\nChannel 0: they call the money back in your super is definitely assessable under the loan\n\nChannel 1: Yes.\n\nChannel 0: for those purposes.\n\nChannel 1: Yes.\n\nChannel 0: But, I mean, with my property, I use my offset account as my savings account. You know? I\n\nChannel 1: Yes.\n\nChannel 0: draw money back when I need. I'll have large bills, but every week, whenever I get paid, my money goes straight into my account.\n\nChannel 1: Yep.\n\nChannel 0: It sits there until I need to withdraw what I need to back, and I use it as\n\nChannel 1: Yep.\n\nChannel 0: a savings account because like you, I don't wanna have a thirty year loan. I would like to pay it off as\n\nChannel 1: Yep.\n\nChannel 0: soon as possible.\n\nChannel 1: So you\n\nChannel 0: And\n\nChannel 1: so years ago, the scheme was put everything on your credit card and\n\nChannel 0: yeah.\n\nChannel 1: then when and keep putting all your pays into your loan on on\n\nChannel 0: Yep.\n\nChannel 1: the redraw facility. And\n\nChannel 0: Yep.\n\nChannel 1: then before your credit card accumulates fees and charges and interest,\n\nChannel 0: Pay\n\nChannel 1: you pay your\n\nChannel 0: Yeah.\n\nChannel 1: credit card back. So I guess that's what\n\nChannel 0: Yep.\n\nChannel 1: an offset account is doing now, is it?\n\nChannel 0: It's basically\n\nChannel 1: So accepting\n\nChannel 0: very similar.\n\nChannel 1: accepting\n\nChannel 0: Yeah.\n\nChannel 1: a credit card, you're using\n\nChannel 0: Yep.\n\nChannel 1: all the money, leaving all nothing's coming out until that one payment at the end of the month. But I would do\n\nChannel 0: Yeah.\n\nChannel 1: that if it was just me, but I can't\n\nChannel 0: Yeah.\n\nChannel 1: do it with Peter. I can't trust\n\nChannel 0: Yeah.\n\nChannel 1: him\n\nChannel 0: Alright.\n\nChannel 1: to not overspend. Seriously, it's\n\nChannel 0: Yep.\n\nChannel 1: always been our life that I'm the\n\nChannel 0: Yep.\n\nChannel 1: person who likes to think controls the money, but really I'm not\n\nChannel 0: Yep.\n\nChannel 1: because he\n\nChannel 0: Yep.\n\nChannel 1: can access accounts.\n\nChannel 0: Yeah.\n\nChannel 1: So I said to him, I would love to try the credit card thing, but the credit card can't accumulate fees. It has to be paid back. And with your\n\nChannel 0: Correct.\n\nChannel 1: spending, even while he's away, he's dreadful spender. And\n\nChannel 0: Yeah.\n\nChannel 1: I can't I can't have that not having the money there to pay that credit\n\nChannel 0: Yeah.\n\nChannel 1: card back. Because he said,\n\nChannel 0: Yeah.\n\nChannel 1: you do it. I fully trust you. I know you know what you're doing. And I said, yeah. It's all good and well to say that I know what I'm doing, but I can't I can't rein you in when you work\n\nChannel 0: Yeah.\n\nChannel 1: away. You know,\n\nChannel 0: Yeah.\n\nChannel 1: alcohol and buying his own groceries when he doesn't even need to have groceries because he's living in a camp. But, of course,\n\nChannel 0: Yeah.\n\nChannel 1: you know, you like to have your own snack foods and everything, but, honestly, he lives like a single person. He doesn't give a shit about what's going on here. That's\n\nChannel 0: And\n\nChannel 1: why\n\nChannel 0: you've had\n\nChannel 1: that's\n\nChannel 0: all\n\nChannel 1: why I'd\n\nChannel 0: this.\n\nChannel 1: rather have the conversation just with you when he's on\n\nChannel 0: Yeah.\n\nChannel 1: home.\n\nChannel 0: That's absolutely fine. And, look, honestly, when you think about the last couple of years with everything with the business and the loans and selling all the equipment and where you've called yourself back from. You've gone through a lot of stress with, you know, loans and things like that. So,\n\nChannel 1: Yes.\n\nChannel 0: you know, it's about just thinking about what is more important to you. Because, I mean, we can build Peter's super up. He's still happy to work a bit longer. We can look at, you know, additional contributions and build on that as much as possible. He's in that high growth environment.\n\nWe can kind of work on that moving forward to give you guys the best retirement from his super.\n\nChannel 1: Yep.\n\nChannel 0: But is is it more important to you to have that money sitting in super, albeit there's no contributions going in because you're not working? So,\n\nChannel 1: Yep.\n\nChannel 0: you know, it is just sitting there. It can get a good rate of return within the portfolio\n\nChannel 1: Yes.\n\nChannel 0: that it's in. It has averaged a fantastic return in the past, but returns are not guaranteed in any way, shape, or form. So there is a chance when five years you may not have, you know, that 165,000. If there's a market dip in between that, you may only have a 100\n\nChannel 1: Yep.\n\nChannel 0: thousand in there. So with the mortgage, the way we like to sort of see that is it is a\n\nChannel 1: Yep.\n\nChannel 0: guaranteed rate of return.\n\nChannel 1: Yep.\n\nChannel 0: I can give you financial advice on which way to go if you'd prefer, but I just need to have a clear goal around is it is your goal to pay down the mortgage, you know, upfront in the next couple of years as much as possible? When do you wanna sell that property? You know, what the expectation might be down the track versus\n\nChannel 1: Yep.\n\nChannel 0: your super goal? But it sounds to me like it's more just less about, getting a a personal advice document and more about your preference. Are you wanting to maybe save on interest and have the balance decrease quicker\n\nChannel 1: Yeah. That's\n\nChannel 0: or\n\nChannel 1: what\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: want.\n\nChannel 0: money sitting in super hoping to kind of get that. And from what\n\nChannel 1: Yeah.\n\nChannel 0: you and I talked about over the past couple of years, the lending side of things has been really stressful for you. You've gone\n\nChannel 1: Yeah.\n\nChannel 0: essentially through hell and back,\n\nChannel 1: Yes.\n\nChannel 0: and you've you've you've struggled through it each step of the way. So\n\nChannel 1: Yep.\n\nChannel 0: if you decide to withdraw the funds out, and you can give me the direction, I can do it as a transaction without advice to have it done. It does take a couple of weeks to complete the transfer down.\n\nChannel 1: Yeah.\n\nChannel 0: We would forward to your bank account, then you can transfer it across to wherever you'd like\n\nChannel 1: Yes.\n\nChannel 0: it to go. It can also\n\nChannel 1: Yes.\n\nChannel 0: be put straight onto the offset account if you'd like to. We'll just get the bank information there.\n\nChannel 1: Yes.\n\nChannel 0: But just based on what we have, and I can send you the projection table versus versus the loan calculator if you like so you can have a bit of a look at it. I'll even\n\nChannel 1: No.\n\nChannel 0: just get\n\nChannel 1: I\n\nChannel 0: him.\n\nChannel 1: think\n\nChannel 0: You're\n\nChannel 1: you've\n\nChannel 0: okay.\n\nChannel 1: cut you've you've actually probably convinced me to do it because even if you say to yourself, the interest rate's quite high at the moment and I'll whack that on and it will make a significant difference. But what happens\n\nChannel 0: Yeah.\n\nChannel 1: if the the interest goes right down? Well, you still will be saving. I'll basically\n\nChannel 0: Oh,\n\nChannel 1: have hardly\n\nChannel 0: absolutely.\n\nChannel 1: any interest. So it's a it's\n\nChannel 0: Absolutely.\n\nChannel 1: a win win regardless of how the interest rate is. So,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah, I'm doing it now because the interest rate's high and I wanna pay off more of my house. But\n\nChannel 0: Yeah.\n\nChannel 1: that's not\n\nChannel 0: Yep.\n\nChannel 1: to say that when it drops to our an incredible low in the next five years, it still will work to my benefit then.\n\nChannel 0: Absolutely.\n\nChannel 1: Regardless.\n\nChannel 0: And interest is calculated daily as well. It's\n\nChannel 1: Yes.\n\nChannel 0: not a monthly. You pay it monthly, but interest is actually calculated daily on the loan. So\n\nChannel 1: Yeah.\n\nChannel 0: if if the interest is at 6.18% now and in two years, it drops to, say, four or 3% with, you know, market react or with the cash rate, then you're only\n\nChannel 1: Yes.\n\nChannel 0: gonna be in a better position.\n\nChannel 1: Yep.\n\nChannel 0: And then the more money you whack onto the mortgage in that time frame with a lower interest rate keeps\n\nChannel 1: Yep.\n\nChannel 0: reducing the amount of interest that you are paying. And the idea is the more the more money you put onto the loan, the less effect interest rate increases have because you're saving interest. You're paying the loan down faster and reducing as quickly as possible. And that can provide a benefit down the track, as I said, at age 67. If we look at Centrelink, then, you know, we can look at ways to shelter money.\n\nIf you then decide to sell the property down the track as well and you do get a nice whack of money, you buy something smaller. If you have funds left over, we can look at putting that money maybe into Peter's super or finding a way to invest it for you guys. So as a supplement to his super,\n\nChannel 1: Okay.\n\nChannel 0: you know, we'll we'll keep doing reviews with our even if you take your funds out, I'll still talk to you. We've got the ETCA on file. I'll do Peter's annual review with the both of you so we can\n\nChannel 1: Yep.\n\nChannel 0: get a feel for what\n\nChannel 1: Yeah.\n\nChannel 0: your goals\n\nChannel 1: That would\n\nChannel 0: are.\n\nChannel 1: be\n\nChannel 0: We\n\nChannel 1: good.\n\nChannel 0: can keep\n\nChannel 1: Yep.\n\nChannel 0: boosting his super, maybe put more money into it, increase his contributions as much as possible, and\n\nChannel 1: Yep.\n\nChannel 0: find ways to make sure that his super is there gonna support the both of you. So\n\nChannel 1: Mhmm.\n\nChannel 0: there's definitely a way forward that that you can do both. Pay down the mortgage as quickly as possible and also kind of build his super for retirement and look at\n\nChannel 1: Yes.\n\nChannel 0: ways to offset with Centrelink, which I can absolutely advise on for you there as well. Okay.\n\nChannel 1: Okay then. Yep. Well, that that's\n\nChannel 0: All good.\n\nChannel 1: that's good to know that if if the mortgage is down to less and less and then we sell,\n\nChannel 0: Mhmm.\n\nChannel 1: of course, it's a big\n\nChannel 0: Mhmm.\n\nChannel 1: profit margin then because we certainly wouldn't be buying a house for the price of what we sell this one for.\n\nChannel 0: Yep.\n\nChannel 1: So the money that's left over, I could definitely do something to make that\n\nChannel 0: Yep.\n\nChannel 1: grow a bit because I'd have nowhere\n\nChannel 0: Yep.\n\nChannel 1: to put\n\nChannel 0: Yep.\n\nChannel 1: it other than a normal savings account. I wouldn't I wouldn't know what to do with it. Like, if there was\n\nChannel 0: Yeah.\n\nChannel 1: 400,000 left over, it's a shame just to stick it in a savings account and see nothing.\n\nChannel 0: Yeah. Yeah. No. And we can definitely pop that into super. There are ways that we can build and add additional contributions to provide benefits.\n\nSo there's yeah. We can help\n\nChannel 1: Yep.\n\nChannel 0: you in that area. Absolutely.\n\nChannel 1: Alright then.\n\nChannel 0: Yeah.\n\nChannel 1: Okay\n\nChannel 0: Yeah.\n\nChannel 1: then. So do you think it would be rash of me to make a decision right now on the phone and and say let's do it? Let's let's\n\nChannel 0: No.\n\nChannel 1: take it all out.\n\nChannel 0: It is up to you. You can take a minute to think about it you like, or you can decide now. It's completely up to you. It's however you are feeling.\n\nChannel 1: And, like, I mean, you guys cut all my charges down for me once I stopped doing it. But, basically, you're doing a lot of work for not much coming back to you with my account. So it's not gonna worry using a great deal, is it? Like, it's\n\nChannel 0: It\n\nChannel 1: not\n\nChannel 0: honest it really doesn't worry me in any way, shape, or form. It's not about for me,\n\nChannel 1: yep.\n\nChannel 0: it's not about how much you pay us or it's\n\nChannel 1: Yep.\n\nChannel 0: for me, it's the value. So as a financial adviser, I have to work in your best interest. And when\n\nChannel 1: Yep.\n\nChannel 0: your best interest conflicts with our company, then\n\nChannel 1: Yep.\n\nChannel 0: I choose you over them every single time. So\n\nChannel 1: Okay. God,\n\nChannel 0: as\n\nChannel 1: you're\n\nChannel 0: much\n\nChannel 1: lovely.\n\nChannel 0: as Peter is on the coupling fee at the moment, it does mean that his ongoing service fee next year will probably change, but we're also having a change to the fee structure in that time anyway. So his fee will not change this year. He stays on 1.1% regardless of what's happening until annual review. And\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: annual review time, I'll go through the changes with you. We'll look at the fee structure. We'll look at the goals. We'll look at what's happening. It's absolutely fine.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: But it's gotta be more in your comfort level. So,\n\nChannel 1: Yes.\n\nChannel 0: you know, if you wanna take a day or two to have a think about it, then let me know. Absolutely fine. If you wanna decide now, you can decide you can call me back later afternoon. Go, hey. I thought about it.\n\nLet's do it, and I will do whatever I need to to get it sorted for you.\n\nChannel 1: Okay then.\n\nChannel 0: But, yeah, don't think about the fees. I'm paid away for\n\nChannel 1: Yep.\n\nChannel 0: me coming into work every day. I'm not paid any additional commission for how many\n\nChannel 1: Yep.\n\nChannel 0: clients I sign or who stays on board. It's all gotta be what's right for you. And I think one of the biggest things that you've had on your mind over the past couple of years is how to pay all these loans down, how to get out of debt as quickly as possible, and\n\nChannel 1: Yep.\n\nChannel 0: you've had a lot a lot of stress in that area for the past few years. So\n\nChannel 1: So I have it won't affect\n\nChannel 0: it's been\n\nChannel 1: it\n\nChannel 0: a lot.\n\nChannel 1: won't affect the loan with the CBA. Well, they're gonna ultimately have it sitting on the loan anyway, but you're\n\nChannel 0: Mhmm.\n\nChannel 1: saying that they would have taken that all into into account that what that they won't care? CBA won't\n\nChannel 0: No.\n\nChannel 1: care?\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: No. No. Definitely not. I mean, they'll get less interest than what they probably expected from the loan,\n\nChannel 1: Yep.\n\nChannel 0: but that's not your problem in any way, shape, or form. So when you do a loan application, they normally ask you a lot of questions about your income, your assets, how\n\nChannel 1: Yep.\n\nChannel 0: much the loan amount is for. They check the valuation of the property, but they also ask you for what's your super, what you know, things like that. And you tend to have to ask loads of the questions because when you're older, they're looking for an exit strategy. They're basically\n\nChannel 1: Yes.\n\nChannel 0: saying, well, what is the risk what is the risk of this loan application, you know, being defaulted? What happens if the client can't pay this back? How old are they? Can they access their super? How\n\nChannel 1: Yes.\n\nChannel 0: much is their super balance? Or if they get to sixty, sixty five and don't wish to work any longer, can\n\nChannel 1: Yes.\n\nChannel 0: they use it to pay off the loan? So they do assess you on your super balance as an exit strategy, especially when you are in your fifties and sixties for loan applications, and that is absolutely normal. But, yeah, they won't have any problem with you, you know, paying down the mortgage faster. It means that\n\nChannel 1: Mhmm.\n\nChannel 0: they get their money back faster as well because once\n\nChannel 1: Yes.\n\nChannel 0: the loan is fully paid off,\n\nChannel 1: Yep.\n\nChannel 0: you know, they're basically being repaid. So that's one less\n\nChannel 1: Yep.\n\nChannel 0: loan that's gonna go into default for the bank, so they're generally pretty happy with that.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But, yeah, if you if that's what you would like to do, absolutely, the other option to consider is keeping it in super. Admittedly, there's no contributions there. We could look to make contributions to boost and benefit that a little bit more,\n\nChannel 1: It doesn't make\n\nChannel 0: But\n\nChannel 1: any\n\nChannel 0: it'll\n\nChannel 1: difference if you we we don't have any spare money at the at the moment. We're\n\nChannel 0: Correct.\n\nChannel 1: back in each and every week to try and pay bills because\n\nChannel 0: Get\n\nChannel 1: it's\n\nChannel 0: stuff\n\nChannel 1: the cost\n\nChannel 0: done.\n\nChannel 1: of Peter going away is half of it on\n\nChannel 0: A\n\nChannel 1: us at the moment because he's not\n\nChannel 0: lot.\n\nChannel 1: full time. Only when you go full\n\nChannel 0: Yeah.\n\nChannel 1: time, will they pay for all cost to get up there? At the moment, we pay\n\nChannel 0: Mhmm.\n\nChannel 1: from Rocky to Brisbane, Brisbane to Rocky each and every time\n\nChannel 0: Wow.\n\nChannel 1: he comes home\n\nChannel 0: That's\n\nChannel 1: until\n\nChannel 0: a lot,\n\nChannel 1: he's full\n\nChannel 0: isn't it?\n\nChannel 1: until he's full time, and then they and and that's supposed to be this swing because he had\n\nChannel 0: Okay.\n\nChannel 1: to do a thousand hours, and it his thousand hours should be now. But to be honest, for that getting to that thousand hours has been a struggle because of the cost involved\n\nChannel 0: Yeah.\n\nChannel 1: of flying backwards and forwards at our expense. They pay from they pay from Brisbane to Gove. So they go from\n\nChannel 0: Yeah.\n\nChannel 1: Brisbane to Cairns, Cairns to Gove up in Northern Territory. So\n\nChannel 0: Yep.\n\nChannel 1: they pay for those those flights each and every time he comes home, but we have to they're only basing us from Brisbane. So we have to fly from Brisbane to Rocky, Rocky to Brisbane. And it's usually\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: a night before the flight to make it. We can't take any we can't take any risk because\n\nChannel 0: Yeah.\n\nChannel 1: we've tried to do flights pretty close to when he arrives and when he leaves. And then if a flight's delayed because they're not connecting flights, they say that's not our problem, and so then we lose the flight. Whereas if they are booking us for work and it's a connecting flight and part of the leg is delayed, then they will guarantee the next flight. They will say, oh, well, we'll put you up for accommodation and we'll fly you the next day, but but\n\nChannel 0: Oh,\n\nChannel 1: not when\n\nChannel 0: that's\n\nChannel 1: it's\n\nChannel 0: good.\n\nChannel 1: not a connecting flight. So,\n\nChannel 0: Yeah.\n\nChannel 1: yes, been been some awful situations where he's had flights delayed and not made his\n\nChannel 0: Yep.\n\nChannel 1: next leg, which is all\n\nChannel 0: Oh,\n\nChannel 1: on us.\n\nChannel 0: and\n\nChannel 1: So at\n\nChannel 0: then\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: moment,\n\nChannel 0: have to get on and book\n\nChannel 1: it\n\nChannel 0: another flight.\n\nChannel 1: yeah. So at the moment, there's no spare money for nothing, but that hopefully\n\nChannel 0: Yeah.\n\nChannel 1: might change in the future. But, Dana, I think I'm gonna pull it out. That's what I think\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: That's\n\nChannel 1: gonna do.\n\nChannel 0: fine.\n\nChannel 1: I I think\n\nChannel 0: That sounds\n\nChannel 1: I just\n\nChannel 0: really fine.\n\nChannel 1: wanna get it onto the loan and start saving in interest as soon as possible. I\n\nChannel 0: Yep.\n\nChannel 1: hope that's\n\nChannel 0: Yep.\n\nChannel 1: the right decision, but you said that that's probably what you would do. And and like you said, there's no guarantee that my return will will be as good as it is at the moment. It it\n\nChannel 0: Yeah.\n\nChannel 1: could\n\nChannel 0: Yep.\n\nChannel 1: drop, whereas sitting it on the line, the interest saved is always gonna be a saving no matter what the interest rate does.\n\nChannel 0: Correct. Correct. Yeah. Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: If the interest rates still go up, you're still saving on the interest there.\n\nChannel 1: Yeah.\n\nChannel 0: There's no, you know, ups and downs with the market. You don't have to work the contributions aspect there.\n\nChannel 1: Yeah.\n\nChannel 0: And, I mean, with what you sort of told me, you also then have access\n\nChannel 1: Yes.\n\nChannel 0: to additional funds quickly if, say, something like the flights are canceled and you need that additional money. So there are\n\nChannel 1: Yes.\n\nChannel 0: definitely benefits to doing it that way, plus also your peace of mind of knowing you've got you know, you've dropped the loan balance quite significantly.\n\nChannel 1: Yes.\n\nChannel 0: Keeping it in super does mean it has it can get a 12 or a 15% return, but there's no guarantees of that. There\n\nChannel 1: Yeah.\n\nChannel 0: is always that risk of leaving it in.\n\nChannel 1: Yeah. And\n\nChannel 0: The\n\nChannel 1: once\n\nChannel 0: projected outcome sorry. You're at yeah.\n\nChannel 1: the once the loan is moving down quicker,\n\nChannel 0: Mhmm.\n\nChannel 1: you can sort of see it happening. Because we have already\n\nChannel 0: Yep.\n\nChannel 1: owned a home that we completely paid off. It was the home that we used to buy this home. And, like,\n\nChannel 0: Yeah.\n\nChannel 1: you're paying it off. You're paying then once it starts getting really low, then your payment you can really start seeing your payments move that line because, of course, your\n\nChannel 0: Yes.\n\nChannel 1: your balance is getting less and less. So that's what I was sort of hoping to see that, you you know, your $2,500 payment is is in reverse. Instead of only a thousand coming off, it might be a a thousand 500 coming off and and the interest is only a thousand. Like, I want\n\nChannel 0: Yep.\n\nChannel 1: the greater to be what's coming off rather than the interest being greater the\n\nChannel 0: Yeah.\n\nChannel 1: greater part.\n\nChannel 0: Abs absolutely. You'll see the interest date to the amount of interest that you are paying. If it's sitting in the offset account, the amount of interest that you are paying on the loan decreases each\n\nChannel 1: Yeah.\n\nChannel 0: month as, you know, the amount that you're being assessed at increases or decreases essentially. So if you have, you know,\n\nChannel 1: Yeah.\n\nChannel 0: a $500,000 loan now and you've\n\nChannel 1: Yep.\n\nChannel 0: paid off you know, you've got a nice 100,000 sitting there, if you're then paying a thousand dollars per month into the loan extra, the amount you're being assessed at for the interest is the 5,000 minus what's sitting in the, offset account. The difference is where the interest is calculated at. The interest is calculated daily as well, not monthly. So you're actually getting calculated interest every single day that the loan is sitting there that you haven't got extra money sitting in the loan. But as\n\nChannel 1: Yep.\n\nChannel 0: a as your offset account increases with the amount sitting there as your balance slowly decreases with the extra payments going into the actual loan, you'll see the amount of interest that you are paying decreases over time, which helps to drop the actual loan balance a little bit more because the same amount of money going on to the loan from your offset account is not not a not being accounted for as interest as much. So it it\n\nChannel 1: Yes.\n\nChannel 0: kind of is a bit weird the way it works, but it absolutely\n\nChannel 1: Mhmm.\n\nChannel 0: does work. And you do see\n\nChannel 1: Yeah.\n\nChannel 0: over time the amount of interest decreases, which means that the the money going on to the actual loan, you know, decreases the balance a little bit faster as well.\n\nChannel 1: Yeah. Yeah. Alright\n\nChannel 0: Yeah.\n\nChannel 1: then.\n\nChannel 0: It's\n\nChannel 1: So\n\nChannel 0: a\n\nChannel 1: are\n\nChannel 0: little\n\nChannel 1: we\n\nChannel 0: bit\n\nChannel 1: right\n\nChannel 0: convoluted.\n\nChannel 1: to move forward\n\nChannel 0: Sorry.\n\nChannel 1: with that move forward\n\nChannel 0: Yeah.\n\nChannel 1: with\n\nChannel 0: If\n\nChannel 1: that then?\n\nChannel 0: if you're\n\nChannel 1: Yeah.\n\nChannel 0: comfortable with that, I'll take the direction. So are you comfortable with me processing that for you as a transaction without any personal advice to make it nice\n\nChannel 1: Yes.\n\nChannel 0: and quick\n\nChannel 1: Yes.\n\nChannel 0: for\n\nChannel 1: Yes.\n\nChannel 0: you?\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: am. Yes.\n\nChannel 0: Beautiful. And you wanna withdraw the full balance\n\nChannel 1: Yep.\n\nChannel 0: from Super?\n\nChannel 1: Yeah. We'll close it down. Yep.\n\nChannel 0: Beautiful. Not a problem at all. I do need to grab the bank account details to have that transferred into. So can I just stop the\n\nChannel 1: Would\n\nChannel 0: recording\n\nChannel 1: you\n\nChannel 0: real\n\nChannel 1: do you\n\nChannel 0: quick?\n\nChannel 1: want the\n\nChannel 0: Yes.\n\nChannel 1: one that probably you transferred the first slot in to pay out that business loan or would you like the one that it's gonna actually sit on?\n\nChannel 0: Well, it depends on where you want it to be. It would have to be an account that is able to receive the funds, so maybe your offset account. But\n\nChannel 1: Yep.\n\nChannel 0: I just I can pull up the last transaction that we had, and I can confirm the last three digits for you, and you can tell me whether that account\n\nChannel 1: I think the\n\nChannel 0: is\n\nChannel 1: the last\n\nChannel 0: suited.\n\nChannel 1: thing you you transferred it to a Westpac account, I think, so it wouldn't be that one. I think you would have transferred it to 872483.\n\nChannel 0: Sorry. Let me one second. It's just loading. And that one doesn't have a bank account on it. None of these even have a bank account on them.\n\nThat's okay. That's alright. What I'll do are you comfortable with me taking the inform the bank account information over the phone for you?\n\nChannel 1: Sure. Yes. I\n\nChannel 0: Yeah.\n\nChannel 1: am.\n\nChannel 0: What\n\nChannel 1: So\n\nChannel 0: I'm what I'm gonna do is I'm just gonna turn the recording off because we don't like to take bank details over a recorded line. So I'm just gonna turn that off. It won't be one second. Now you might hear a beep. So I'm just double checking.\n\nI don't remember how to turn it off. Sorry. I haven't done this for a while.\n\nChannel 1: Mhmm.\n\nChannel 0: One. Okay. So\n\nChannel 1: Either that or I if you want me to forward it to our phone, or that's the same. Probably\n\nChannel 0: no.\n\nChannel 1: hang\n\nChannel 0: That's\n\nChannel 1: on a lot.\n\nChannel 0: okay. Yeah. That's okay. This recording should have just been turned off. So you\n\nChannel 1: Yeah.\n\nChannel 0: would have heard just a bit of a beep then. Did you hear a beep?\n\nChannel 1: I didn't\n\nChannel 0: Or\n\nChannel 1: hear a beep, but your voice is now much much higher much\n\nChannel 0: yep.\n\nChannel 1: much louder.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's perfect.\n\nChannel 1: Something\n\nChannel 0: Excellent.\n\nChannel 1: happened.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: can I grab the BSB and the account information of you to fill out the forms?\n\nChannel 1: Okay. So the BSP is\n\nChannel 0: Yep.\n\nChannel 1: 064\n\nChannel 0: Yep.\n\nChannel 1: 175,\n\nChannel 0: Yep.\n\nChannel 1: and the account is 12509218.\n\nChannel 0: Yep. Mhmm. Beautiful. And is the account name both Peter and Yvonne Wooderson?\n\nChannel 1: Yes. It is. Yep. So it\n\nChannel 0: Yep.\n\nChannel 1: was probably\n\nChannel 0: Perfect.\n\nChannel 1: p j and y c Wooderson, I'd say. Yeah.\n\nChannel 0: Yep. Perfect. And I'll just read that back to you. So b s b, I have 0641\n\nChannel 1: Yep.\n\nChannel 0: 75\n\nChannel 1: Yep.\n\nChannel 0: and account number 12509\n\nChannel 1: Yep.\n\nChannel 0: 218.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And as the transaction request, it's to withdraw the full account balance of your super to your nominated bank account provided for the purpose of sorry. I'm just gonna turn the recording back on down.\n\nChannel 1: Yes.\n\nChannel 0: Well,\n\nChannel 1: Yeah.\n\nChannel 0: apologize\n\nChannel 1: We'll go back.\n\nChannel 0: for that.\n\nChannel 1: Start again. Yep.\n\nChannel 0: All good. So just to confirm, the transaction is to withdraw your full super balance to your nominated bank account ending in 18 for the purpose of paying down the loan balance, saving on interest, and having as a buffer. Is that right?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Yep. Beautiful. Lovely. And you're comfortable with me processing the transaction with that financial advice?\n\nChannel 1: Yes. I am.\n\nChannel 0: Yep. Beautiful. Excellent. And full balance. Lovely.\n\nSo what I'll do, Yvonne, is I'll get that transaction with that advice done up for you. I'll do the\n\nChannel 1: Mhmm.\n\nChannel 0: benefit with payment from the withdrawal form there. I'll have them emailed through to you via OdooSign. I'll get Sammy to give you a call, let you know when that's emailed through so you can sign it. Once\n\nChannel 1: Okay.\n\nChannel 0: it is signed, we'll sell the investments down and have the funds drawn out. It may take because it is a full sale, it may take about two or three weeks to complete the sell down, but we'll try to make sure it happens as quickly as\n\nChannel 1: Oh,\n\nChannel 0: possible\n\nChannel 1: it does\n\nChannel 0: so\n\nChannel 1: yeah.\n\nChannel 0: that\n\nChannel 1: It\n\nChannel 0: we\n\nChannel 1: doesn't\n\nChannel 0: withdraw\n\nChannel 1: matter.\n\nChannel 0: from\n\nChannel 1: It's just\n\nChannel 0: action.\n\nChannel 1: the process. All good.\n\nChannel 0: Yep. Beautiful. All good. And we'll make sure that you and I sort of touch base. I'll do Peter's annual review moving forward with the two of you.\n\nWe still got the ETCA on file, make sure all of that's still appropriate for you both.\n\nChannel 1: Yep.\n\nChannel 0: And I can do the annual review with both of you so we can assess Peter's super down the track and look at what your goals are and keep providing advice and looking after you guys so you both have the best possible retirement there. Does that sound okay?\n\nChannel 1: That sounds good. Yeah. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: great.\n\nChannel 0: Beautiful. Fantastic. I'll double check when his annual review is actually due. Let's have a look.\n\nChannel 1: Sorry about no. I'm not sure I can.\n\nChannel 0: Peter Wooderson. It's due very soon. Says here\n\nChannel 1: How is it?\n\nChannel 0: 04/2026. So we'll probably organize and go through a review with him in the next few months and just sort of\n\nChannel 1: Okay\n\nChannel 0: see,\n\nChannel 1: then.\n\nChannel 0: yeah,\n\nChannel 1: Yep.\n\nChannel 0: how things are going. Okay.\n\nChannel 1: Okay then. Yes.\n\nChannel 0: Awkward.\n\nChannel 1: Alrighty.\n\nChannel 0: Do you have do you have any questions? Do you do you feel okay? Do you feel good now that you sort of made that decision? Do you have\n\nChannel 1: I\n\nChannel 0: any\n\nChannel 1: I,\n\nChannel 0: questions\n\nChannel 1: yeah, I\n\nChannel 0: or\n\nChannel 1: feel\n\nChannel 0: concerns?\n\nChannel 1: I feel\n\nChannel 0: Or\n\nChannel 1: good. And if if I was to go back into the workforce, which I can't see happening, unless the job\n\nChannel 0: Mhmm.\n\nChannel 1: was to land in my lap, I just would have to take on any sort of super, wouldn't I? Just I just have to\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: take on the\n\nChannel 0: Just\n\nChannel 1: employees, whatever they wanna do.\n\nChannel 0: yeah.\n\nChannel 1: Yes.\n\nChannel 0: Just some sort\n\nChannel 1: We're\n\nChannel 0: of\n\nChannel 1: starting\n\nChannel 0: industry\n\nChannel 1: from\n\nChannel 0: fund\n\nChannel 1: fresh,\n\nChannel 0: one.\n\nChannel 1: so it really wouldn't matter.\n\nChannel 0: Yeah. I mean, I could definitely, you know, look at providing advice to help you along the the way there. There are super funds that we can access, but most retail funds to make the fees worth while you need to have a pretty decent super balance.\n\nChannel 1: Yes. That's right.\n\nChannel 0: Yeah. But then again, you might sort of start a job and decide you don't lock it anymore and withdraw the funds back out anyway. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yeah. But, no, this will hopefully help. It'll, you know, give you a little bit extra money to as a buffer to sorta\n\nChannel 1: Yep.\n\nChannel 0: help make sure that, you know, you'd have that extra in the in the event that something happens and you have large bills coming in,\n\nChannel 1: Yep.\n\nChannel 0: but then also just making sure you're paying down the loan as quickly as possible as well. Hopefully, it'll alleviate a little bit of pressure and stress for you.\n\nChannel 1: Yes. I heard so. Yep.\n\nChannel 0: Yeah. All good.\n\nChannel 1: Alright\n\nChannel 0: Do\n\nChannel 1: then.\n\nChannel 0: you have any other questions or anything that\n\nChannel 1: No.\n\nChannel 0: might\n\nChannel 1: No.\n\nChannel 0: come up? Do you want me to clarify\n\nChannel 1: No.\n\nChannel 0: anything\n\nChannel 1: I I\n\nChannel 0: further for you?\n\nChannel 1: no. I think that's good. I think that's what I've been wanting to do for quite some time. Yep.\n\nChannel 0: Yeah. That's okay. All good.\n\nChannel 1: Alright\n\nChannel 0: Perfect.\n\nChannel 1: then. Thank you\n\nChannel 0: Well,\n\nChannel 1: so much\n\nChannel 0: I'll get\n\nChannel 1: for your help.\n\nChannel 0: that's okay, Yvonne. I'll get that sorted for you now. Not an issue at all.\n\nChannel 1: Okay then. Thank you, love.\n\nChannel 0: Thanks so much. See you later.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.029535870999097824}],"sentiment":"neutral","sentiment_score":0.029535870999097824,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Yvonne.","start":2.48,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.1072116494178772},{"text":"It's Dana from OCU Financial.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":0.15795011818408966},{"text":"How are you?","start":4.96,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1521913856267929}],"sentiment":"neutral","sentiment_score":0.14607480466365813,"channel":0,"num_words":10,"start":2.48,"end":5.7799997},{"sentences":[{"text":"Too bad.","start":6.16,"end":6.72,"sentiment":"neutral","sentiment_score":-0.19841573387384415},{"text":"I'm so sorry about before I","start":6.72,"end":8.98,"sentiment":"neutral","sentiment_score":-0.17264812688032785}],"sentiment":"neutral","sentiment_score":-0.17909002862870693,"channel":1,"num_words":8,"start":6.16,"end":8.98},{"sentences":[{"text":"That's okay.","start":8.96,"end":9.78,"sentiment":"neutral","sentiment_score":-0.011228008195757866}],"sentiment":"neutral","sentiment_score":-0.011228008195757866,"channel":0,"num_words":2,"start":8.96,"end":9.78},{"sentences":[{"text":"had people arrive, friends of mine arrive, and they wanted to borrow the car trailer.","start":9.679999,"end":14.344999,"sentiment":"neutral","sentiment_score":-0.01754489466547966},{"text":"So I went out to 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The customer expresses concern about the savings account, but the representative reassures her that it is not true. The speaker discusses reducing loan interest and savings for retirement, emphasizing the importance of working out what is more important to the customer. They also emphasize the importance of reducing fees and building a super for retirement. The customer is advised to use their credit card account to save money and reduce their monthly bills, and is reassured that their request will be addressed."},"intents":{"segments":[{"text":"it essentially shows as an estimate based on the current circumstances, you could save thirteen years off the loan.","start_word":358,"end_word":376,"intents":[{"intent":"Save loan","confidence_score":0.026264029}]},{"text":"And with the the investor profile that you're with the Mhmm. portfolio that you're in at the moment that we have to switch you to, that has shown a five year rolling average. So an average return Mhmm. over the past five five years of 12.97120.97%.","start_word":416,"end_word":461,"intents":[{"intent":"Grow portfolio","confidence_score":0.33055428}]},{"text":"One of the biggest things to sort of think about is when you're looking at moving forward, the interest rate within super is never guaranteed. It is based on past performance. There is no guarantee that future performance is going to be the same. One of the benefits to putting the funds into the mortgage is that you are reducing the mortgage. It's a guaranteed rate of return because you're saving that 6.18%. Mhmm.","start_word":462,"end_word":535,"intents":[{"intent":"Reduce interest rate","confidence_score":0.6241402}]},{"text":"But if you decide to apply for age pension, your super balance is assessed as an asset, as a financial asset for both the income Yes.","start_word":585,"end_word":610,"intents":[{"intent":"Assess super balance","confidence_score":0.453262}]},{"text":"you can still use the money. So Yep.","start_word":711,"end_word":718,"intents":[{"intent":"Use money","confidence_score":0.16272305}]},{"text":"I have a redraw facility and I do have Yes. the account the offset account. Yep.","start_word":793,"end_word":808,"intents":[{"intent":"Clarify redraw facility","confidence_score":0.032204323}]},{"text":"would wanna look at is that when you get to age 67, if you then apply for Centrelink and maybe moving the money onto the loan itself, having a small amount in your offset account. That way we could maybe, you know, still get a better assessment and actually drop your balance and shelter money that way. So having a loan will shelter those funds down the track for you. Does that make sense?","start_word":1442,"end_word":1515,"intents":[{"intent":"Discuss loan policy","confidence_score":0.0003759091}]},{"text":"So we are working on a balance of 112 because that's what you had when I did the advice Yep. document.","start_word":1817,"end_word":1837,"intents":[{"intent":"Assess super balance","confidence_score":0.03957114}]},{"text":"The interest you're paying fluctuates depending on the interest rate. Interest Yep.","start_word":2399,"end_word":2410,"intents":[{"intent":"Decrease interest rates","confidence_score":0.0005707498},{"intent":"Reduce interest rates","confidence_score":0.02800554}]},{"text":"it reduces your loan pretty significantly, reduces the amount of it reduces your minimum mortgage repayments as well.","start_word":2498,"end_word":2515,"intents":[{"intent":"Reduce mortgage repayments","confidence_score":0.14607029}]},{"text":"I would be looking at, you know, trying to reduce my mortgage as much as possible. That Yeah.","start_word":2660,"end_word":2677,"intents":[{"intent":"Reducing mortgage payments","confidence_score":0.077830434}]},{"text":"also, like, with the amount of stress that you guys Yep. have gone through over the last couple of years with loans and repayments and dealing with banks and financial institutions, this might just Yep. also alleviate a little bit less stress off your plate. Plate.","start_word":2743,"end_word":2788,"intents":[{"intent":"Addressing stress","confidence_score":0.030969782}]},{"text":"this might not sound like a great thing to some people, but to us, we just have cut down dramatically on life insurance.","start_word":2812,"end_word":2834,"intents":[{"intent":"Discussing life insurance cuts","confidence_score":0.00011992165}]},{"text":"his life insurance has changed because he it was just gonna go up again Definitely. this month.","start_word":2877,"end_word":2893,"intents":[{"intent":"Sharing life insurance changes","confidence_score":0.0017181222}]},{"text":"So how about we get rid of that and lessen the amount of life insurance? So Yeah.","start_word":3012,"end_word":3028,"intents":[{"intent":"Reduce costs","confidence_score":0.5013824}]},{"text":"And the other thing that we're trying to change is house insurance. Holy crap.","start_word":3067,"end_word":3080,"intents":[{"intent":"Oppose coverage","confidence_score":0.000001868828},{"intent":"Change house insurance","confidence_score":0.04395053}]},{"text":"they won't reduce it for us because unless we get an assessment done by a builder. Because Really?","start_word":3086,"end_word":3103,"intents":[{"intent":"Get assessment done by a builder","confidence_score":0.018717716}]},{"text":"But in all honesty, Dana, our property would be lucky to sell for 1,200,000. They've Yeah.","start_word":3200,"end_word":3215,"intents":[{"intent":"Sell property","confidence_score":0.13006248}]},{"text":"I'll have large bills, but every week, whenever I get paid, my money goes straight into my account. Yep. It sits there until I need to withdraw what I need to back, and I use it as Yep. a savings account because like you, I don't wanna have a thirty year loan. I would like to pay it off as Yep. soon as possible.","start_word":3626,"end_word":3689,"intents":[{"intent":"Pay off bills","confidence_score":0.10871056}]},{"text":"the redraw facility. And Yep.","start_word":3721,"end_word":3725,"intents":[{"intent":"Get redraw facility","confidence_score":0.00066579867}]},{"text":"I can't trust Yeah.","start_word":3810,"end_word":3813,"intents":[{"intent":"Trust peter","confidence_score":0.5961155},{"intent":"Trust peter","confidence_score":0.12393481}]},{"text":"can access accounts. Yeah.","start_word":3846,"end_word":3849,"intents":[{"intent":"Access accounts","confidence_score":0.11504865}]},{"text":"So I said to him, I would love to try the credit card thing, but the credit card can't accumulate fees. It has to be paid back.","start_word":3850,"end_word":3876,"intents":[{"intent":"Attempt credit card service","confidence_score":0.000017536837},{"intent":"Reject fees","confidence_score":0.0004043028}]},{"text":"you know, you like to have your own snack foods and everything, but, honestly, he lives like a single person. He doesn't give a shit about what's going on here. That's And why you've had that's all why I'd this. rather have the conversation just with you when he's on Yeah. home.","start_word":3984,"end_word":4035,"intents":[{"intent":"Discuss personal situation","confidence_score":0.013672372},{"intent":"Discuss personal life","confidence_score":0.010941148}]},{"text":"I can give you financial advice on which way to go if you'd prefer, but I just need to have a clear goal around is it is your goal to pay down the mortgage, you know, upfront in the next couple of years as much as possible?","start_word":4286,"end_word":4332,"intents":[{"intent":"Discuss financial goals","confidence_score":0.14624873},{"intent":"Determine financial goals","confidence_score":0.003173701}]},{"text":"When do you wanna sell that property?","start_word":4334,"end_word":4340,"intents":[{"intent":"Sell property","confidence_score":0.91204256}]},{"text":"Are you wanting to maybe save on interest and have the balance decrease quicker Yeah.","start_word":4377,"end_word":4391,"intents":[{"intent":"Save on interest and get advice","confidence_score":0.0016142225}]},{"text":"if you decide to withdraw the funds out, and you can give me the direction, I can do it as a transaction without advice to have it done.","start_word":4458,"end_word":4485,"intents":[{"intent":"Get direction","confidence_score":0.010521591}]},{"text":"We would forward to your bank account, then you can transfer it across to wherever you'd like Yes. it to go.","start_word":4499,"end_word":4519,"intents":[{"intent":"Transfer funds","confidence_score":0.4401045}]},{"text":"But just based on what we have, and I can send you the projection table versus versus the loan calculator if you like so you can have a bit of a look at it.","start_word":4543,"end_word":4576,"intents":[{"intent":"Provide projection table","confidence_score":0.028717522}]},{"text":"And interest is calculated daily as well. It's Yes. not a monthly. You pay it monthly, but interest is actually calculated daily on the loan. So Yeah. if if the interest is at 6.18% now and in two years, it drops to, say, four or 3% with, you know, market react or with the cash rate, then you're only Yes. gonna be in a better position. Yep.","start_word":4717,"end_word":4783,"intents":[{"intent":"Optimize interest rate","confidence_score":0.0092308195}]},{"text":"boosting his super, maybe put more money into it, increase his contributions as much as possible, and Yep. find ways to make sure that his super is there gonna support the both of you.","start_word":5001,"end_word":5034,"intents":[{"intent":"Support super retirement","confidence_score":0.0001860476}]},{"text":"ways to offset with Centrelink, which I can absolutely advise on for you there as well. Okay. Okay then.","start_word":5070,"end_word":5088,"intents":[{"intent":"Offer financial advice","confidence_score":0.02073732}]},{"text":"If you wanna decide now, you can decide you can call me back later afternoon.","start_word":5562,"end_word":5576,"intents":[{"intent":"Decide on fee structure and goals","confidence_score":0.0006392792}]},{"text":"So when you do a loan application, they normally ask you a lot of questions about your income, your assets, how Yep. much the loan amount is for.","start_word":5788,"end_word":5815,"intents":[{"intent":"Determine loan amount","confidence_score":0.00009545233}]},{"text":"So they do assess you on your super balance as an exit strategy, especially when you are in your fifties and sixties for loan applications, and that is absolutely normal.","start_word":5930,"end_word":5959,"intents":[{"intent":"Assess loan eligibility","confidence_score":0.00265031}]},{"text":"At the moment, we pay Mhmm. from Rocky to Brisbane, Brisbane to Rocky each and every time Wow.","start_word":6149,"end_word":6166,"intents":[{"intent":"Schedule flights","confidence_score":0.0137033155}]},{"text":"I I That think sounds I just really fine. wanna get it onto the loan and start saving in interest as soon as possible. I Yep.","start_word":6501,"end_word":6526,"intents":[{"intent":"Reserve interest","confidence_score":0.0023262512},{"intent":"Save on interest","confidence_score":0.24335551}]},{"text":"drop, whereas sitting it on the line, the interest saved is always gonna be a saving no matter what the interest rate does. Correct.","start_word":6569,"end_word":6592,"intents":[{"intent":"Express interest rate preference","confidence_score":0.02851217}]},{"text":"definitely benefits to doing it that way, plus also your peace of mind of knowing you've got you know, you've dropped the loan balance quite significantly. Yes.","start_word":6670,"end_word":6696,"intents":[{"intent":"Manage loan balance","confidence_score":0.032882772}]},{"text":"Keeping it in super does mean it has it can get a 12 or a 15% return, but there's no guarantees of that. There Yeah.","start_word":6697,"end_word":6721,"intents":[{"intent":"Inquire about potential repayment outcome","confidence_score":1.7318645e-7}]},{"text":"You'll see the interest date to the amount of interest that you are paying. If it's sitting in the offset account, the amount of interest that you are paying on the loan decreases each Yeah.","start_word":6889,"end_word":6923,"intents":[{"intent":"Calculate interest rates","confidence_score":0.026514845}]},{"text":"I do need to grab the bank account details to have that transferred into.","start_word":7266,"end_word":7279,"intents":[{"intent":"Request bank details","confidence_score":0.00019313619}]},{"text":"I just I can pull up the last transaction that we had, and I can confirm the last three digits for you, and you can tell me whether that account I think the is the last suited. thing you you transferred it to a Westpac account, I think, so it wouldn't be that one. I think you would have transferred it to 872483. Sorry.","start_word":7354,"end_word":7417,"intents":[{"intent":"Confirm transactions","confidence_score":0.0090875495}]},{"text":"What I'll do are you comfortable with me taking the inform the bank account information over the phone for you? Sure. Yes. I Yeah.","start_word":7449,"end_word":7472,"intents":[{"intent":"Provide bank account information","confidence_score":0.022963922}]},{"text":"What So I'm what I'm gonna do is I'm just gonna turn the recording off because we don't like to take bank details over a recorded line. So I'm just gonna turn that off. It won't be one second. Now you might hear a beep. So I'm just double checking. I don't remember how to turn it off. Sorry.","start_word":7474,"end_word":7532,"intents":[{"intent":"Turn recording off","confidence_score":0.1310426}]},{"text":"So just to confirm, the transaction is to withdraw your full super balance to your nominated bank account ending in 18 for the purpose of paying down the loan balance, saving on interest, and having as a buffer. Is that right? That's correct.","start_word":7767,"end_word":7809,"intents":[{"intent":"Confirm transaction transaction","confidence_score":0.0005415398}]},{"text":"And I can do the annual review with both of you so we can assess Peter's super down the track and look at what your goals are and keep providing advice and looking after you guys so you both have the best possible retirement there. Does that sound okay?","start_word":8009,"end_word":8057,"intents":[{"intent":"Review retirement goals","confidence_score":0.038691193}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Yvonne. It's Dana from OCU Financial. How are you? Too bad. I'm so sorry about before I That's okay. had people arrive, friends of mine arrive, and they wanted to borrow the car trailer. So I went out to help Yeah. them do that and then totally forgot about you. That's okay. Honestly, it is not a problem at all. Sammy got Okay. you rebooked in for now, so it's not an issue at all. And, look, I'll try and take up too much of your time. But before we, jump into the call, I do have to let you know we do record our calls for quality and training Yes. purposes. Are you Yep. happy That's for me fine. to proceed Yeah. with that? Yeah.","start_word":0,"end_word":127,"sentiment":"neutral","sentiment_score":0.07270140945911407},{"text":"Beautiful. That's good. Excellent.","start_word":128,"end_word":131,"sentiment":"positive","sentiment_score":0.5691195726394653},{"text":"And just do a really quick security check there for you. Just get you to confirm your full name, your date of birth, and address I should have on file. Yvonne Sheryl Wooderson, seventeenth of the eighth nineteen sixty four. And did Yep. you say address too? Or Yes, please. yeah. Yeah. 30 Green 30 Green Avenue, Glenley 4711. Beautiful.","start_word":132,"end_word":191,"sentiment":"neutral","sentiment_score":0.10723695158958436},{"text":"Thank you so much for that.","start_word":192,"end_word":197,"sentiment":"positive","sentiment_score":0.5352649688720703},{"text":"So That's I've okay. had a bit of a look at the two different options there for you, and, ultimately, it does come down to what's more important to you, what you wanna do moving forward. But if we sort of plug the information into the mortgage calculator, at the moment, you currently have about, sorry, twenty six years and ten months left on the mortgage owing. The current Mhmm. balance is 384,551 and 3<unk> there. Could have changed since we got the statement, which is okay. Yes. Yep. It does look like you are paying additional or extra onto the mortgage, which is great to help reduce that faster, Mhmm. And the interest rate owing is about 6.8 6.18% currently based on the current interest rate there. With if you were to take out the balance, which at the moment, you have a 119,109. If we were to put the 119,000, I'm just using rounded numbers here, Yes. it essentially shows as an estimate based on the current circumstances, you could save thirteen years off the loan. Interest saved over that time frame equates to $297,701. Mhmm.","start_word":198,"end_word":385,"sentiment":"neutral","sentiment_score":0.0884619867627291},{"text":"So it is good. It is a great scenario.","start_word":386,"end_word":394,"sentiment":"positive","sentiment_score":0.6518654823303223},{"text":"Within super, the obviously, there's no contributions going into super. The amount No. can definitely stay there.","start_word":395,"end_word":411,"sentiment":"neutral","sentiment_score":0.16223470866680145},{"text":"It can certainly grow.","start_word":412,"end_word":415,"sentiment":"positive","sentiment_score":0.5056498646736145},{"text":"And with the the investor profile that you're with the Mhmm. portfolio that you're in at the moment that we have to switch you to, that has shown a five year rolling average. So an average return Mhmm. over the past five five years of 12.97120.97%. One of the biggest things to sort of think about is when you're looking at moving forward, the interest rate within super is never guaranteed. It is based on past performance. There is no guarantee that future performance is going to be the same. One of the benefits to putting the funds into the mortgage is that you are reducing the mortgage.","start_word":416,"end_word":523,"sentiment":"neutral","sentiment_score":0.10161428153514862},{"text":"It's a guaranteed rate of return because you're saving that 6.18%.","start_word":524,"end_word":534,"sentiment":"positive","sentiment_score":0.3350878059864044},{"text":"Mhmm. Moving forward, the other other aspect is it could certainly help down the track when it comes to Centrelink and things like that because your super when do you hit age 67 if you decide you wanna apply for age pension, and I can certainly help you with that. But if you decide to apply for age pension, your super balance is assessed as an asset, as a financial asset for both the income Yes. and the assets test. Whereas if you put the money on the mortgage, it is Mhmm. completely unaccessible because the money is sitting in your main primary residence, which is Centrelink exempt, essentially. Does it does it matter if Yes. it's not sitting directly on the line but sitting on the redraw facility? Is that all okay? That's that is still technically assessed. It would need to be sitting on the loan itself to be non Okay. assessable by Centrelink because they ask Yep. for all your bank accounts. And offset account is still a transaction account, Yep. so Yep. you can still use the money. So Yep. if it is sitting on the actual loan, it is still usable. You can redraw it off if you need to use the funds, but sitting on the loan is more preferable to keep it sheltered away from Stentalink assessment as well. So So that when is one you say aspect of benefits. Yeah. so Sorry. let me just clarify Sure. because I'm a bit dumb. So No. I have You're a read not. I have a redraw facility and I do have Yes. the account the offset account. Yep. Both of them wouldn't it has to actually sit on the line where you can't access it back. Is that what you're saying? So when you sit on the loan, that is essentially utilizing the redraw facility. So when you put Oh, the okay. the funds onto the loan, you're actually dropping the balance up front. If you think about the loan and the offset account as they are technically two separate accounts, the offset account Okay. shows Yes. the loan balance at the higher rate. So putting that Yep. 119,000, it still shows you owe the 384,000 Yes. It 5 does. 51. But when you look at the interest, the interest is calculated on that minus what's in the offset Yep. account. Whereas Yes. putting it on the loan itself drops the balance Yes. from Yep. that $3.84, essentially, what that would be about 2 sorry. If I just go back, drops your balance roughly to 265,000. So you would you would actually see your loan balance dropping. Mhmm. Both options both accounts still reduce the amount of interest that you're paying on the Yes. loan. It's just that the money sitting on the actual loan itself has reduced the balance, whereas an offset account is still a transactional account.","start_word":535,"end_word":1019,"sentiment":"neutral","sentiment_score":-0.013464242500761888},{"text":"You can still use those funds very easily.","start_word":1020,"end_word":1027,"sentiment":"positive","sentiment_score":0.392072468996048},{"text":"You can use them from the loan and redraw, but Centrelink still assess an offset account as a bank account, Oh, okay. as savings, Yeah. Good and to money know because sitting in the yeah. yes. Sorry. You're right. Sorry Sorry. to interrupt. You're Sorry. fine. When You're when fine. we had our loan with Westpac, we never had an Yeah. offset account. So I just Right. used to whack everything on the redraw facility. When we refinanced Yeah. and the chap got us this one through CBA, he I said to him, now I probably would like to be paying more on the loan than what's required. Yeah. And he said, Yeah. I really wouldn't worry about that. I'd just be whacking any extra money that you would have on your offset account because it all acts Mhmm. the same. So is that not true? Yeah. It Like, is. I It is ex yeah. because No. He I've is got 80 right. I've got $80 sitting in the offset account, whereas I could Yep. put it on to the redraw facility if that works better. It works exactly the same way Oh, when you consider it does the work interest the same. portion of it. It's just about how the money is is assessed for settling purposes. When you get to that point, you're still a little ways off. You're not quite at 60 Yeah. seven yet, No. But it it works the same way for the interest component. It's just So that that's good.","start_word":1028,"end_word":1283,"sentiment":"neutral","sentiment_score":-0.024841132530127652},{"text":"That's good.","start_word":1284,"end_word":1285,"sentiment":"positive","sentiment_score":0.5552937388420105},{"text":"That yeah. was my It's main more just worry. But the for long term Centrelink, assessment. I would switch it to the reader or facility. Yeah. Absolutely. For the purpose of this, if you decide you wanna withdraw all Yeah. the super, that's fine. And considering Cool. the offset account, it's still offsetting the amount of interest that you're paying on the loan. Yep. It just shows the loan balance at the higher rate. So what happens is the interest on the loan is calculated. The loan balance minus what's in the offset account, and that gives you how much interest you're, you know, paying Mhmm. essentially or Yep. what balance you're paying interest on. So the offset Yep. account absolutely works the same way. It's more Yep. just looking at the long term assessment down the track. For Yep. now, you know, it's absolutely fine to have that to sit there. What I Yep. would wanna look at is that when you get to age 67, if you then apply for Centrelink and maybe moving the money onto the loan itself, having a small amount in your offset account. That way we could maybe, you know, still get a better assessment and actually drop your balance and shelter money that way.","start_word":1286,"end_word":1497,"sentiment":"neutral","sentiment_score":0.10646038491911484},{"text":"So having a loan will shelter those funds down the track for you.","start_word":1498,"end_word":1510,"sentiment":"positive","sentiment_score":0.5101412534713745},{"text":"Does that make sense? Mhmm. Yeah. You're if it doesn't, let me know. Please ask I any I questions just you have. I just I just wish I had your brain. That's what I wish. I don't know.","start_word":1511,"end_word":1548,"sentiment":"neutral","sentiment_score":-0.005337713286280632},{"text":"It's pretty scary inside You shouldn't my head.","start_word":1549,"end_word":1556,"sentiment":"negative","sentiment_score":-0.3543509244918823},{"text":"you Not gonna shouldn't lie. have to be making money decisions when you're starting to get old, But I No. guess That's there's no other okay. way of doing it. Yeah. No. That's okay. So like you said, putting that super money onto the loan would Mhmm. reduce the loan by thirteen years when, of course, our ultimate our ultimate plan was never to have that loan for twenty six years or we took it Yeah. out for thirty, but was never ever going to have that loan for thirty years. And I think that's the bank was very aware of that because I said to the finance broker, how do we get a refinance how do we refinance a loan of 400,000 when we're this age? And he said, well, I think they they just have to realize that you're not going to stay in this house when you're aging and you will sell it, pay off the loan, Yeah. and and there you go. Yeah. So, of course, we were never gonna have it that that length of time, and you're saying that this interest would this money on the facility would reduce our loan by thirteen years, but I'm I'm more interested in how much it would save us in comparison to how much I would earn from super. So do Well, do you with know what Yeah. that Yeah. comparison Absolutely. would be? So if we look at the projection table over the next sort of five to ten years, the amount of money growing. So we are working on a balance of 112 because that's what you had when I did the advice Yep. document. Okay. But as a comparison, from when we did the advice for five years, your super balance could increase to a $167,006.48.","start_word":1557,"end_word":1858,"sentiment":"neutral","sentiment_score":-0.00737642790406745},{"text":"That's if you're able to obtain that 12.97 Yep.","start_word":1859,"end_word":1867,"sentiment":"positive","sentiment_score":0.3403051793575287},{"text":"percent Yes.","start_word":1868,"end_word":1869,"sentiment":"neutral","sentiment_score":0.2802717089653015},{"text":"return over the next five years.","start_word":1870,"end_word":1875,"sentiment":"positive","sentiment_score":0.3391476571559906},{"text":"Yep. Yep. Over the All next depends ten years on the interest rate. correct. Yeah. It could also, over the next ten years, increase to 252,000. However, when you consider putting it onto the mortgage, the mortgage calculator shows that Uh-huh. the interest saved over the net over the last of the loan is 297,000. So, realistically, you're actually saving a little bit more interest on the loan than you would be making in the super. But But it's also we're not gotta gonna be have it over we're not gonna have it over that length of time, though. yeah. Yeah. It also means that if you were to sell the property, you Yep. have less of a loan to pay off.","start_word":1876,"end_word":1997,"sentiment":"neutral","sentiment_score":0.1124812439084053},{"text":"So Yes. you could end up with more in your back pocket as well.","start_word":1998,"end_word":2011,"sentiment":"positive","sentiment_score":0.4761929214000702},{"text":"Yep. The only sort of thing to consider is that that money will no longer be sitting in super. It will be in the loan. Yep. So interest rates going down, obviously, can have an effect. Interest rates going up can still also have an effect. Mhmm. You know, you're still Peter still his super is all still here. So, you know, we have an ETVA. You can still liaise and help, and I can still give you both advice and things like that. That's not a problem at all. Yeah. It's Yes. just about working out what's more important to you. Do you want the money sitting in super hoping it's gonna grow and keeping it accessible in the super system, or would you rather just take it out? You're not working. You're over 60. It is tax free. You can access it. You can take it out, put it on the loan, and save some interest knowing you still have it there if you do choose to or need to access it down the track. So it's just a a matter of working out what what's more important to you. Which way would you like to go? Okay. So I know you can't give me advice on what I should actually do. I I understand I that I can. you can't but Yeah. No. but I I definitely need to can.","start_word":2012,"end_word":2244,"sentiment":"neutral","sentiment_score":0.0769910368540768},{"text":"know with your wonderful brain that if you were Yeah.","start_word":2245,"end_word":2254,"sentiment":"positive","sentiment_score":0.34366750717163086},{"text":"in my position looking at everything, what would you do?","start_word":2255,"end_word":2264,"sentiment":"neutral","sentiment_score":0.09046321362257004},{"text":"Absolutely. So I can definitely look at doing a personal advice document, which weighs up a new projection based on super basis on the mortgage and look at, you know, which way you should go to to meet the goal that you're after.","start_word":2265,"end_word":2307,"sentiment":"positive","sentiment_score":0.4744377732276917},{"text":"Yes. But if in my position, if I was your age knowing I wanted to, you know, try and get the mortgage paid down, if paying down my property was my main my main goal, Yep. knowing my husband has enough super, is still working, does wanna work a bit longer, we, you know, can probably live off his super and hopefully access Centrelink. I would personally, in my shoes, I would look at maybe trying to pay down my mortgage because it is Mhmm. March. a guaranteed rate of return. The interest you're paying fluctuates depending on the interest rate. Interest Yep. rates did go up a lot over the past couple of years after COVID. They went up to close to, you know, 9% in some some loans, Yep. some mortgages, and the risk Yep. of that happening again is definitely higher Yep. in saying that just making sure you're aware that money is no longer in the super system. If you do need it, it's a matter of drawing it out of the mortgage, which then Yes. increases the amount of interest you are paying. But Yep. it reduces your loan pretty significantly, reduces the amount of it reduces your minimum mortgage repayments as well. So, like, if Oh, the interest that's it. is lower, well, over time, it will. And the more you keep putting in, put a the same as what he said last time, put all your spare money into the into the offset account, into the mortgage, you'll eventually be paying way more than what you need to be. That way, interest rates actually have very little effect on your mortgage over Yeah. time. Yep. But if it was me in my shoes and I had I was at your age and I had a, you know, twenty six year loan on my property, we we don't wanna be paying a mortgage off into our nineties. Even No. though we might wanna sell the property down the track, we don't really know when that's gonna come up or when we wanna sell the property. Yep. I would be looking at, you know, trying to reduce my mortgage as much as possible. That Yeah. also, when Pete does retire, means Yeah. that if you don't have the mortgage or have very little mortgage, it also means you can look to draw less money out of the super system from his super to also keep covering your bills and expenses Yeah. as well. Right. Yeah. Because we wouldn't Yeah. be trying to find 2,500 every month. Correct. Yeah. It Yeah. also, like, with the amount of stress that you guys Yep. have gone through over the last couple of years with loans and repayments and dealing with banks and financial institutions, this might just Yep. also alleviate a little bit less stress off your plate. Plate. We we are just trying to Yeah. do as much as we can to stop money being spent. And I know that Yeah. this might not sound like a great thing to some people, but to us, we just have cut down dramatically on life insurance. Because I just said to Peter, it's just Yeah. such dead money, and Yeah. surely you're super and and the little bit of life insurance that he now has. So I really should recap that with you at one time that Yeah. his life insurance has changed because he it was just gonna go up again Definitely. this month. And I just Yeah. said, oh, you just need to you need to to like, it's it's sad to say is is I probably need his life insurance more than he needs mine because if I die, he Yeah. can keep working. If Yeah.","start_word":2308,"end_word":2937,"sentiment":"neutral","sentiment_score":0.008970753688897406},{"text":"I if he dies, I've gotta rely on that to pay out the house.","start_word":2938,"end_word":2951,"sentiment":"negative","sentiment_score":-0.35579076409339905},{"text":"Yeah. So he's Yeah.","start_word":2952,"end_word":2955,"sentiment":"neutral","sentiment_score":-0.17891860008239746},{"text":"kept he took off an expensive part of the policy, which was, you know, when you get permanently disabled in your job.","start_word":2956,"end_word":2977,"sentiment":"negative","sentiment_score":-0.3763254582881927},{"text":"And I said, look. Yep. You're in a job at the moment where they really, really look after the workers, and and they they don't like any accidents to happen and things like that. So how about we get rid of that and lessen the amount of life insurance? So Yeah. that's what we've Yeah. done with him. Yep. At the moment, mine Yep. is still the same, and I just haven't got around to changing it. But that is something we're trying to lessen costs with as well. And the other thing that we're trying to change is house insurance.","start_word":2978,"end_word":3078,"sentiment":"neutral","sentiment_score":-0.13858768343925476},{"text":"Holy crap. Oh, It's it's it's expensive. they won't reduce it for us because unless we get an assessment done by a builder.","start_word":3079,"end_word":3101,"sentiment":"negative","sentiment_score":-0.3650470972061157},{"text":"Because Really? they yeah. Because well, we're with an insurance broker, and we have been Yeah. for all the years that we've been in business. And I know Yeah. that they are they can only give insurance with their line of people. They don't they can't they don't access every insurer. There's certain insurers that they don't go through. They just work with certain amount. But Yeah. the insure the company that we've been with all this time, they won't lessen our insurance unless we get a builder to say that we could rebuild for the lesser amount. But in all honesty, Dana, our property would be lucky to sell for 1,200,000. They've Yeah. got it Wow. insured for 1,700,000. Wow. And that that in when you sell, you're selling the house and the land, and yet we'd be lucky to get 1.2, 1.3 at the most. But it's Wow. insured for 1.7 because they offered every year. Yeah.","start_word":3102,"end_word":3260,"sentiment":"neutral","sentiment_score":-0.09831084493758543},{"text":"And and we said that's way too high. We need you to be less than that, but they won't unless we get a builder's valuation of what what rebuilding cost would be.","start_word":3261,"end_word":3292,"sentiment":"negative","sentiment_score":-0.39135798811912537},{"text":"So I've just gone through CBA people who we've got the loan through, and they can do it cheaper for about 200 a month. So I'm in Yeah. the process Wow. of maybe changing to that. But yeah. What a 1,700,000 to rebuild a house if it burns down. And who's to say we wanna build a six bedroom house again? Yeah. Correct. Really weird. Yeah. Really weird Yeah. insurance. It it So, yeah, at this time is. in our life, just trying to stop It money going out is. for no reason. Yes. You know? But Yes. that's something for me to think about. But you would do what I've been thinking about anyway. You would think that lessening I Yeah. just see The when mortgage.","start_word":3293,"end_word":3419,"sentiment":"neutral","sentiment_score":-0.09675689786672592},{"text":"you're putting 2,500 onto a home loan and only paying off 1,000 each time, pretty disheartening.","start_word":3420,"end_word":3435,"sentiment":"negative","sentiment_score":-0.3436053395271301},{"text":"It just really gets It's you. And like I know everyone's doing that, but I just want to see more coming off the house, which ultimately what is what happens me when the interest isn't so high when the yeah. interest Yep. amount isn't so high. Absolutely. And, realistically, the bank would have assessed your super as an exit strategy. If something happened to the two of you and they had to, you know, call Yes. the money back, can you access your super? So they would have absolutely accounted for your super as part of the assessment of an Okay. exit strategy, Yes. which is what they look at. Because they know when in your fifties and sixties, you're not gonna be working for thirty years. So they look at if something was to happen to you, what insurances do you have, how do Yes. they call the money back in your super is definitely assessable under the loan Yes. for those purposes. Yes. But, I mean, with my property, I use my offset account as my savings account. You know? I Yes. draw money back when I need. I'll have large bills, but every week, whenever I get paid, my money goes straight into my account. Yep. It sits there until I need to withdraw what I need to back, and I use it as Yep. a savings account because like you, I don't wanna have a thirty year loan. I would like to pay it off as Yep. soon as possible. So you And so years ago, the scheme was put everything on your credit card and yeah. then when and keep putting all your pays into your loan on on Yep. the redraw facility. And Yep. then before your credit card accumulates fees and charges and interest, Pay you pay your Yeah. credit card back. So I guess that's what Yep. an offset account is doing now, is it? It's basically So accepting very similar. accepting Yeah. a credit card, you're using Yep. all the money, leaving all nothing's coming out until that one payment at the end of the month. But I would do Yeah. that if it was just me, but I can't Yeah. do it with Peter.","start_word":3436,"end_word":3809,"sentiment":"neutral","sentiment_score":-0.012697001784681318},{"text":"I can't trust Yeah.","start_word":3810,"end_word":3813,"sentiment":"negative","sentiment_score":-0.4542537629604339},{"text":"him Alright. to not overspend. Seriously, it's Yep. always been our life that I'm the Yep. person who likes to think controls the money, but really I'm not Yep. because he Yep. can access accounts. Yeah. So I said to him, I would love to try the credit card thing, but the credit card can't accumulate fees. It has to be paid back. And with your Correct.","start_word":3814,"end_word":3880,"sentiment":"neutral","sentiment_score":-0.2518707811832428},{"text":"spending, even while he's away, he's dreadful spender. And Yeah. I can't I can't have that not having the money there to pay that credit Yeah.","start_word":3881,"end_word":3906,"sentiment":"negative","sentiment_score":-0.5401842594146729},{"text":"card back. Because he said, Yeah. you do it. I fully trust you. I know you know what you're doing. And I said, yeah. It's all good and well to say that I know what I'm doing, but I can't I can't rein you in when you work Yeah. away. You know, Yeah. alcohol and buying his own groceries when he doesn't even need to have groceries because he's living in a camp. But, of course, Yeah. you know, you like to have your own snack foods and everything, but, honestly, he lives like a single person. He doesn't give a shit about what's going on here. That's And why you've had that's all why I'd this. rather have the conversation just with you when he's on Yeah. home.","start_word":3907,"end_word":4035,"sentiment":"neutral","sentiment_score":-0.005090777668379998},{"text":"That's absolutely fine.","start_word":4036,"end_word":4038,"sentiment":"positive","sentiment_score":0.35650143027305603},{"text":"And, look, honestly, when you think about the last couple of years with everything with the business and the loans and selling all the equipment and where you've called yourself back from. You've gone through a lot of stress with, you know, loans and things like that. So, Yes. you know, it's about just thinking about what is more important to you.","start_word":4039,"end_word":4100,"sentiment":"neutral","sentiment_score":0.007322089280933142},{"text":"Because, I mean, we can build Peter's super up. He's still happy to work a bit longer. We can look at, you know, additional contributions and build on that as much as possible. He's in that high growth environment. We can kind of work on that moving forward to give you guys the best retirement from his super.","start_word":4101,"end_word":4158,"sentiment":"positive","sentiment_score":0.4472096562385559},{"text":"Yep. But is is it more important to you to have that money sitting in super, albeit there's no contributions going in because you're not working? So, Yep. you know, it is just sitting there. It can get a good rate of return within the portfolio Yes. that it's in. It has averaged a fantastic return in the past, but returns are not guaranteed in any way, shape, or form. So there is a chance when five years you may not have, you know, that 165,000. If there's a market dip in between that, you may only have a 100 Yep. thousand in there. So with the mortgage, the way we like to sort of see that is it is a Yep. guaranteed rate of return. Yep. I can give you financial advice on which way to go if you'd prefer, but I just need to have a clear goal around is it is your goal to pay down the mortgage, you know, upfront in the next couple of years as much as possible? When do you wanna sell that property? You know, what the expectation might be down the track versus Yep. your super goal? But it sounds to me like it's more just less about, getting a a personal advice document and more about your preference. Are you wanting to maybe save on interest and have the balance decrease quicker Yeah. That's or what have I the want. money sitting in super hoping to kind of get that. And from what Yeah. you and I talked about over the past couple of years, the lending side of things has been really stressful for you. You've gone Yeah. essentially through hell and back, Yes.","start_word":4159,"end_word":4443,"sentiment":"neutral","sentiment_score":0.005960427303063242},{"text":"and you've you've you've struggled through it each step of the way.","start_word":4444,"end_word":4455,"sentiment":"negative","sentiment_score":-0.3403049409389496},{"text":"So Yep. if you decide to withdraw the funds out, and you can give me the direction, I can do it as a transaction without advice to have it done. It does take a couple of weeks to complete the transfer down. Yeah. We would forward to your bank account, then you can transfer it across to wherever you'd like Yes. it to go. It can also Yes. be put straight onto the offset account if you'd like to. We'll just get the bank information there. Yes. But just based on what we have, and I can send you the projection table versus versus the loan calculator if you like so you can have a bit of a look at it. I'll even No. just get I him. think You're you've okay. cut you've you've actually probably convinced me to do it because even if you say to yourself, the interest rate's quite high at the moment and I'll whack that on and it will make a significant difference. But what happens Yeah. if the the interest goes right down? Well, you still will be saving. I'll basically Oh, have hardly absolutely. any interest. So it's a it's Absolutely. a win win regardless of how the interest rate is. So, Absolutely. yeah, I'm doing it now because the interest rate's high and I wanna pay off more of my house. But Yeah. that's not Yep. to say that when it drops to our an incredible low in the next five years, it still will work to my benefit then.","start_word":4456,"end_word":4714,"sentiment":"neutral","sentiment_score":0.07018742701721928},{"text":"Absolutely.","start_word":4715,"end_word":4715,"sentiment":"positive","sentiment_score":0.4461115598678589},{"text":"Regardless. And interest is calculated daily as well. It's Yes. not a monthly. You pay it monthly, but interest is actually calculated daily on the loan. So Yeah. if if the interest is at 6.18% now and in two years, it drops to, say, four or 3% with, you know, market react or with the cash rate, then you're only Yes.","start_word":4716,"end_word":4776,"sentiment":"neutral","sentiment_score":0.06992821395397186},{"text":"gonna be in a better position.","start_word":4777,"end_word":4782,"sentiment":"positive","sentiment_score":0.4088529646396637},{"text":"Yep. And then the more money you whack onto the mortgage in that time frame with a lower interest rate keeps Yep. reducing the amount of interest that you are paying. And the idea is the more the more money you put onto the loan, the less effect interest rate increases have because you're saving interest.","start_word":4783,"end_word":4838,"sentiment":"neutral","sentiment_score":0.22570458054542544},{"text":"You're paying the loan down faster and reducing as quickly as possible. And that can provide a benefit down the track, as I said, at age 67.","start_word":4839,"end_word":4865,"sentiment":"positive","sentiment_score":0.4356361031532288},{"text":"If we look at Centrelink, then, you know, we can look at ways to shelter money. If you then decide to sell the property down the track as well and you do get a nice whack of money, you buy something smaller. If you have funds left over, we can look at putting that money maybe into Peter's super or finding a way to invest it for you guys. So as a supplement to his super, Okay. you know, we'll we'll keep doing reviews with our even if you take your funds out, I'll still talk to you. We've got the ETCA on file. I'll do Peter's annual review with the both of you so we can Yep. get a feel for what Yeah. your goals That would are.","start_word":4866,"end_word":4994,"sentiment":"neutral","sentiment_score":0.20052771270275116},{"text":"be We good. can keep Yep. boosting his super, maybe put more money into it, increase his contributions as much as possible, and Yep. find ways to make sure that his super is there gonna support the both of you.","start_word":4995,"end_word":5034,"sentiment":"positive","sentiment_score":0.44237056374549866},{"text":"So Mhmm.","start_word":5035,"end_word":5036,"sentiment":"neutral","sentiment_score":0.28835105895996094},{"text":"there's definitely a way forward that that you can do both. Pay down the mortgage as quickly as possible and also kind of build his super for retirement and look at Yes.","start_word":5037,"end_word":5068,"sentiment":"positive","sentiment_score":0.4003944396972656},{"text":"ways to offset with Centrelink, which I can absolutely advise on for you there as well. Okay. Okay then. Yep. Well, that that's All good. that's good to know that if if the mortgage is down to less and less and then we sell, Mhmm. of course, it's a big Mhmm. profit margin then because we certainly wouldn't be buying a house for the price of what we sell this one for. Yep.","start_word":5069,"end_word":5141,"sentiment":"neutral","sentiment_score":0.1948428750038147},{"text":"So the money that's left over, I could definitely do something to make that Yep.","start_word":5142,"end_word":5156,"sentiment":"positive","sentiment_score":0.3755833208560944},{"text":"grow a bit because I'd have nowhere Yep. to put Yep. it other than a normal savings account. I wouldn't I wouldn't know what to do with it. Like, if there was Yeah.","start_word":5157,"end_word":5189,"sentiment":"neutral","sentiment_score":-0.003540241625159979},{"text":"400,000 left over, it's a shame just to stick it in a savings account and see nothing.","start_word":5190,"end_word":5206,"sentiment":"negative","sentiment_score":-0.42994093894958496},{"text":"Yeah. Yeah. No. And we can definitely pop that into super. There are ways that we can build and add additional contributions to provide benefits. So there's yeah. We can help Yep. you in that area. Absolutely. Alright then. Yeah. Okay Yeah. then. So do you think it would be rash of me to make a decision right now on the phone and and say let's do it? Let's let's No. take it all out. It is up to you. You can take a minute to think about it you like, or you can decide now. It's completely up to you. It's however you are feeling. And, like, I mean, you guys cut all my charges down for me once I stopped doing it. But, basically, you're doing a lot of work for not much coming back to you with my account. So it's not gonna worry using a great deal, is it? Like, it's It not honest it really doesn't worry me in any way, shape, or form. It's not about for me, yep. it's not about how much you pay us or it's Yep. for me, it's the value. So as a financial adviser, I have to work in your best interest. And when Yep. your best interest conflicts with our company, then Yep.","start_word":5207,"end_word":5422,"sentiment":"neutral","sentiment_score":0.09672997891902924},{"text":"I choose you over them every single time. So Okay. God, as you're much lovely.","start_word":5423,"end_word":5437,"sentiment":"positive","sentiment_score":0.5764293670654297},{"text":"as Peter is on the coupling fee at the moment, it does mean that his ongoing service fee next year will probably change, but we're also having a change to the fee structure in that time anyway. So his fee will not change this year. He stays on 1.1% regardless of what's happening until annual review. And Okay. that Yep. annual review time, I'll go through the changes with you. We'll look at the fee structure. We'll look at the goals. We'll look at what's happening.","start_word":5438,"end_word":5523,"sentiment":"neutral","sentiment_score":0.06681856513023376},{"text":"It's absolutely fine.","start_word":5524,"end_word":5526,"sentiment":"positive","sentiment_score":0.4157878756523132},{"text":"Yes. Mhmm. But it's gotta be more in your comfort level. So, Yes. you know, if you wanna take a day or two to have a think about it, then let me know.","start_word":5527,"end_word":5559,"sentiment":"neutral","sentiment_score":0.1566603034734726},{"text":"Absolutely fine.","start_word":5560,"end_word":5561,"sentiment":"positive","sentiment_score":0.38644886016845703},{"text":"If you wanna decide now, you can decide you can call me back later afternoon. Go, hey. I thought about it. Let's do it, and I will do whatever I need to to get it sorted for you. Okay then. But, yeah, don't think about the fees. I'm paid away for Yep. me coming into work every day. I'm not paid any additional commission for how many Yep. clients I sign or who stays on board. It's all gotta be what's right for you. And I think one of the biggest things that you've had on your mind over the past couple of years is how to pay all these loans down, how to get out of debt as quickly as possible, and Yep. you've had a lot a lot of stress in that area for the past few years. So So I have it won't affect it's been it a lot. won't affect the loan with the CBA. Well, they're gonna ultimately have it sitting on the loan anyway, but you're Mhmm. saying that they would have taken that all into into account that what that they won't care? CBA won't No. care?","start_word":5562,"end_word":5755,"sentiment":"neutral","sentiment_score":0.0011987668694928288},{"text":"No. No. No. No. Definitely not. I mean, they'll get less interest than what they probably expected from the loan, Yep.","start_word":5756,"end_word":5776,"sentiment":"negative","sentiment_score":-0.3627165555953979},{"text":"but that's not your problem in any way, shape, or form. So when you do a loan application, they normally ask you a lot of questions about your income, your assets, how Yep. much the loan amount is for. They check the valuation of the property, but they also ask you for what's your super, what you know, things like that. And you tend to have to ask loads of the questions because when you're older, they're looking for an exit strategy. They're basically Yes. saying, well, what is the risk what is the risk of this loan application, you know, being defaulted? What happens if the client can't pay this back? How old are they? Can they access their super? How Yes. much is their super balance? Or if they get to sixty, sixty five and don't wish to work any longer, can Yes. they use it to pay off the loan? So they do assess you on your super balance as an exit strategy, especially when you are in your fifties and sixties for loan applications, and that is absolutely normal. But, yeah, they won't have any problem with you, you know, paying down the mortgage faster.","start_word":5777,"end_word":5975,"sentiment":"neutral","sentiment_score":0.08455787599086761},{"text":"It means that Mhmm. they get their money back faster as well because once Yes. the loan is fully paid off, Yep.","start_word":5976,"end_word":5997,"sentiment":"positive","sentiment_score":0.4027062654495239},{"text":"you know, they're basically being repaid. So that's one less Yep. loan that's gonna go into default for the bank, so they're generally pretty happy with that. Yeah. Yeah. But, yeah, if you if that's what you would like to do, absolutely, the other option to consider is keeping it in super. Admittedly, there's no contributions there. We could look to make contributions to boost and benefit that a little bit more, It doesn't make But any it'll difference if you we we don't have any spare money at the at the moment. We're Correct. back in each and every week to try and pay bills because Get it's stuff the cost done. of Peter going away is half of it on A us at the moment because he's not lot. full time. Only when you go full Yeah. time, will they pay for all cost to get up there? At the moment, we pay Mhmm. from Rocky to Brisbane, Brisbane to Rocky each and every time Wow. he comes home That's until a lot, he's full isn't it? until he's full time, and then they and and that's supposed to be this swing because he had Okay. to do a thousand hours, and it his thousand hours should be now.","start_word":5998,"end_word":6208,"sentiment":"neutral","sentiment_score":0.0021978108945051077},{"text":"But to be honest, for that getting to that thousand hours has been a struggle because of the cost involved Yeah.","start_word":6209,"end_word":6229,"sentiment":"negative","sentiment_score":-0.3996133804321289},{"text":"of flying backwards and forwards at our expense. They pay from they pay from Brisbane to Gove. So they go from Yeah. Brisbane to Cairns, Cairns to Gove up in Northern Territory. So Yep. they pay for those those flights each and every time he comes home, but we have to they're only basing us from Brisbane. So we have to fly from Brisbane to Rocky, Rocky to Brisbane. And it's usually Yeah. Yeah. a night before the flight to make it. We can't take any we can't take any risk because Yeah. we've tried to do flights pretty close to when he arrives and when he leaves. And then if a flight's delayed because they're not connecting flights, they say that's not our problem, and so then we lose the flight. Whereas if they are booking us for work and it's a connecting flight and part of the leg is delayed, then they will guarantee the next flight. They will say, oh, well, we'll put you up for accommodation and we'll fly you the next day, but but Oh, not when that's it's good. not a connecting flight. So, Yeah. yes, been been some awful situations where he's had flights delayed and not made his Yep. next leg, which is all Oh, on us. and So then at you the moment, have to get on and book it another flight. yeah. So at the moment, there's no spare money for nothing, but that hopefully Yeah. might change in the future. But, Dana, I think I'm gonna pull it out. That's what I Yeah. think I'm That's gonna fine. do.","start_word":6230,"end_word":6499,"sentiment":"neutral","sentiment_score":-0.09173651039600372},{"text":"I I That think sounds I just really fine. wanna get it onto the loan and start saving in interest as soon as possible.","start_word":6500,"end_word":6523,"sentiment":"positive","sentiment_score":0.4168517291545868},{"text":"I Yep. hope that's Yep. the right decision, but you said that that's probably what you would do. And and like you said, there's no guarantee that my return will will be as good as it is at the moment. It it Yeah. could Yep. drop, whereas sitting it on the line, the interest saved is always gonna be a saving no matter what the interest rate does. Correct. Correct. Yeah. Definitely. Yeah. If the interest rates still go up, you're still saving on the interest there. Yeah. There's no, you know, ups and downs with the market. You don't have to work the contributions aspect there. Yeah. And, I mean, with what you sort of told me, you also then have access Yes. to additional funds quickly if, say, something like the flights are canceled and you need that additional money.","start_word":6524,"end_word":6665,"sentiment":"neutral","sentiment_score":0.15980640053749084},{"text":"So there are Yes. definitely benefits to doing it that way, plus also your peace of mind of knowing you've got you know, you've dropped the loan balance quite significantly.","start_word":6666,"end_word":6695,"sentiment":"positive","sentiment_score":0.4238930344581604},{"text":"Yes. Keeping it in super does mean it has it can get a 12 or a 15% return, but there's no guarantees of that. There Yeah. is always that risk of leaving it in. Yeah. And The once projected outcome sorry. You're at yeah. the once the loan is moving down quicker, Mhmm. you can sort of see it happening. Because we have already Yep. owned a home that we completely paid off. It was the home that we used to buy this home. And, Yeah. like, you're paying it off. You're paying then once it starts getting really low, then your payment you can really start seeing your payments move that line because, of course, your Yes. your balance is getting less and less. So that's what I was sort of hoping to see that, you you know, your $2,500 payment is is in reverse. Instead of only a thousand coming off, it might be a a thousand 500 coming off and and the interest is only a thousand. Like, I want Yep. the greater to be what's coming off rather than the interest being greater the Yeah. greater part. Abs absolutely. You'll see the interest date to the amount of interest that you are paying. If it's sitting in the offset account, the amount of interest that you are paying on the loan decreases each Yeah. month as, you know, the amount that you're being assessed at increases or decreases essentially. So if you have, you know, Yeah. a $500,000 loan now and you've Yep. paid off you know, you've got a nice 100,000 sitting there, if you're then paying a thousand dollars per month into the loan extra, the amount you're being assessed at for the interest is the 5,000 minus what's sitting in the, offset account. The difference is where the interest is calculated at. The interest is calculated daily as well, not monthly. So you're actually getting calculated interest every single day that the loan is sitting there that you haven't got extra money sitting in the loan. But as Yep. a as your offset account increases with the amount sitting there as your balance slowly decreases with the extra payments going into the actual loan, you'll see the amount of interest that you are paying decreases over time, which helps to drop the actual loan balance a little bit more because the same amount of money going on to the loan from your offset account is not not a not being accounted for as interest as much. So it it Yes. kind of is a bit weird the way it works, but it absolutely Mhmm. does work. And you do see Yeah. over time the amount of interest decreases, which means that the the money going on to the actual loan, you know, decreases the balance a little bit faster as well. Yeah. Yeah. Alright Yeah. then. It's So a are little we bit right convoluted. to move forward Sorry. with that move Yeah. forward If with that then? if you're Yeah. comfortable with that, I'll take the direction. So are you comfortable with me processing that for you as a transaction without any personal advice to make it nice Yes. and quick Yes. for Yes. you? I Yep. am. Yes.","start_word":6696,"end_word":7242,"sentiment":"neutral","sentiment_score":0.005584962239373608},{"text":"Beautiful.","start_word":7243,"end_word":7243,"sentiment":"positive","sentiment_score":0.4293688237667084},{"text":"And you wanna withdraw the full balance Yep. from Super? Yeah. We'll close it down. Yep.","start_word":7244,"end_word":7259,"sentiment":"neutral","sentiment_score":0.117173969745636},{"text":"Beautiful. Not a problem at all.","start_word":7260,"end_word":7265,"sentiment":"positive","sentiment_score":0.3881607900063197},{"text":"I do need to grab the bank account details to have that transferred into. So can I just stop the Would recording you real do you quick? want the Yes. one that probably you transferred the first slot in to pay out that business loan or would you like the one that it's gonna actually sit on? Well, it depends on where you want it to be. It would have to be an account that is able to receive the funds, so maybe your offset account. But Yep. I just I can pull up the last transaction that we had, and I can confirm the last three digits for you, and you can tell me whether that account I think the is the last suited. thing you you transferred it to a Westpac account, I think, so it wouldn't be that one. I think you would have transferred it to 872483. Sorry. Let me one second. It's just loading. And that one doesn't have a bank account on it. None of these even have a bank account on them. That's okay. That's alright. What I'll do are you comfortable with me taking the inform the bank account information over the phone for you? Sure. Yes. I Yeah. am. What So I'm what I'm gonna do is I'm just gonna turn the recording off because we don't like to take bank details over a recorded line. So I'm just gonna turn that off. It won't be one second. Now you might hear a beep. So I'm just double checking. I don't remember how to turn it off. Sorry. I haven't done this for a while. Mhmm. One. Okay. So Either that or I if you want me to forward it to our phone, or that's the same. Probably no. hang That's on a lot. okay. Yeah. That's okay. This recording should have just been turned off. So you Yeah. would have heard just a bit of a beep then. Did you hear a beep? I didn't Or hear a beep, but your voice is now much much higher much yep. much louder. Yep. Yeah.","start_word":7266,"end_word":7618,"sentiment":"neutral","sentiment_score":-0.01068037562072277},{"text":"That's perfect. Something Excellent. happened.","start_word":7619,"end_word":7623,"sentiment":"positive","sentiment_score":0.5463359832763672},{"text":"So Yeah. can I grab the BSB and the account information of you to fill out the forms? Okay. So the BSP is Yep. 064 Yep. 175, Yep. and the account is 12509218. Yep. Mhmm.","start_word":7624,"end_word":7658,"sentiment":"neutral","sentiment_score":0.043068744242191315},{"text":"Beautiful.","start_word":7659,"end_word":7659,"sentiment":"positive","sentiment_score":0.3736505210399628},{"text":"And is the account name both Peter and Yvonne Wooderson? Yes. It is. Yep. So it Yep. was probably Perfect. p j and y c Wooderson, I'd say. Yeah. Yep. Perfect. And I'll just read that back to you. So b s b, I have 0641 Yep. 75 Yep. and account number 12509 Yep. 218. Yes. Yep.","start_word":7660,"end_word":7716,"sentiment":"neutral","sentiment_score":0.08024435490369797},{"text":"Perfect.","start_word":7717,"end_word":7717,"sentiment":"positive","sentiment_score":0.3503111004829407},{"text":"And as the transaction request, it's to withdraw the full account balance of your super to your nominated bank account provided for the purpose of sorry. I'm just gonna turn the recording back on down. Yes. Well, Yeah. apologize We'll go back. for that. Start again. Yep. All good. So just to confirm, the transaction is to withdraw your full super balance to your nominated bank account ending in 18 for the purpose of paying down the loan balance, saving on interest, and having as a buffer. Is that right? That's correct. Yep. Yep.","start_word":7718,"end_word":7811,"sentiment":"neutral","sentiment_score":0.060973554849624634},{"text":"Beautiful. Lovely.","start_word":7812,"end_word":7813,"sentiment":"positive","sentiment_score":0.4873010218143463},{"text":"And you're comfortable with me processing the transaction with that financial advice? Yes. I am. Yep.","start_word":7814,"end_word":7829,"sentiment":"neutral","sentiment_score":0.19179746508598328},{"text":"Beautiful. Excellent. And full balance. Lovely.","start_word":7830,"end_word":7835,"sentiment":"positive","sentiment_score":0.5160700678825378},{"text":"So what I'll do, Yvonne, is I'll get that transaction with that advice done up for you. I'll do the Mhmm. benefit with payment from the withdrawal form there. I'll have them emailed through to you via OdooSign. I'll get Sammy to give you a call, let you know when that's emailed through so you can sign it. Once Okay. it is signed, we'll sell the investments down and have the funds drawn out. It may take because it is a full sale, it may take about two or three weeks to complete the sell down, but we'll try to make sure it happens as quickly as Oh, possible it does so yeah. that It we doesn't withdraw matter. from It's just action. the process.","start_word":7836,"end_word":7960,"sentiment":"neutral","sentiment_score":0.09885349762439728},{"text":"All good. Yep. Beautiful. All good. And we'll make sure that you and I sort of touch base.","start_word":7961,"end_word":7978,"sentiment":"positive","sentiment_score":0.4600241184234619},{"text":"I'll do Peter's annual review moving forward with the two of you. We still got the ETCA on file, make sure all of that's still appropriate for you both. Yep. And I can do the annual review with both of you so we can assess Peter's super down the track and look at what your goals are and keep providing advice and looking after you guys so you both have the best possible retirement there. Does that sound okay?","start_word":7979,"end_word":8057,"sentiment":"neutral","sentiment_score":0.23902186751365664},{"text":"That sounds good.","start_word":8058,"end_word":8060,"sentiment":"positive","sentiment_score":0.38983815908432007},{"text":"Yeah. That sounds Yeah.","start_word":8061,"end_word":8064,"sentiment":"neutral","sentiment_score":0.2769958972930908},{"text":"great. Beautiful. Fantastic.","start_word":8065,"end_word":8067,"sentiment":"positive","sentiment_score":0.6466515064239502},{"text":"I'll double check when his annual review is actually due. Let's have a look. Sorry about no. I'm not sure I can. Peter Wooderson. It's due very soon. Says here How is it? 04/2026. So we'll probably organize and go through a review with him in the next few months and just sort of Okay see, then. yeah, Yep. how things are going. Okay. Okay then. Yes. Awkward. Alrighty. Do you have do you have any questions? Do you do you feel okay? Do you feel good now that you sort of made that decision? Do you have I any I, questions yeah, I or feel concerns? I feel Or good. And if if I was to go back into the workforce, which I can't see happening, unless the job Mhmm. was to land in my lap, I just would have to take on any sort of super, wouldn't I? Just I just have to Yeah. Yeah. take on the Just employees, whatever they wanna do. yeah. Yes. Just some sort We're of starting industry from fund fresh, one. so it really wouldn't matter. Yeah. I mean, I could definitely, you know, look at providing advice to help you along the the way there. There are super funds that we can access, but most retail funds to make the fees worth while you need to have a pretty decent super balance. Yes. That's right. Yeah. But then again, you might sort of start a job and decide you don't lock it anymore and withdraw the funds back out anyway. So Yeah. Yep. yeah. But, no, this will hopefully help. It'll, you know, give you a little bit extra money to as a buffer to sorta Yep. help make sure that, you know, you'd have that extra in the in the event that something happens and you have large bills coming in, Yep. but then also just making sure you're paying down the loan as quickly as possible as well.","start_word":8068,"end_word":8396,"sentiment":"neutral","sentiment_score":0.055278097678508074},{"text":"Hopefully, it'll alleviate a little bit of pressure and stress for you.","start_word":8397,"end_word":8408,"sentiment":"positive","sentiment_score":0.35050076246261597},{"text":"Yes. I heard so. Yep.","start_word":8409,"end_word":8413,"sentiment":"neutral","sentiment_score":0.187006875872612},{"text":"Yeah. All good.","start_word":8414,"end_word":8416,"sentiment":"positive","sentiment_score":0.4845462441444397},{"text":"Alright Do then. you have any other questions or anything that No. might No. come up? Do you want me to clarify No. anything I I further for you? no. I think that's good. I think that's what I've been wanting to do for quite some time. Yep. Yeah.","start_word":8417,"end_word":8465,"sentiment":"neutral","sentiment_score":0.08405765146017075},{"text":"That's okay. All good. Alright Perfect. then. Thank you Well, so much I'll get for your help. that's okay, Yvonne. I'll get that sorted for you now.","start_word":8466,"end_word":8492,"sentiment":"positive","sentiment_score":0.5920538902282715},{"text":"Not an issue at all.","start_word":8493,"end_word":8497,"sentiment":"neutral","sentiment_score":0.28585270047187805},{"text":"Okay then. Thank you, love. Thanks so much. See you later.","start_word":8498,"end_word":8508,"sentiment":"positive","sentiment_score":0.7239224910736084},{"text":"Okay. Bye. Bye bye.","start_word":8509,"end_word":8512,"sentiment":"neutral","sentiment_score":0.2556796371936798}],"average":{"sentiment":"neutral","sentiment_score":0.04294057088355496}}}}