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Or I love. Thank you. Hi, Michelle. How are you going? That's good. So I went through and obviously put everything together, and I looked at everything we spoke about. So I looked at I looked at the the the possibility of buying an investment property, what we could do in that in that arena. I also looked at the CGT event that you will have. Now as I did discuss with you at Monday, your accountant's gonna have a better concept as to what the actual CGT event will be as an outcome. Yeah. But I did a like, an estimated calculation based on the buy and sell data that you gave me. Now I'm well aware that, you know, there's generally sales costs associated with, you know, even the sale of a land that you could be able to, you know, pass or, you know, use as a deductible. So my math is gonna be a little bit of a variance to what the account is gonna be be able to produce. Yeah. But what I what I looked at was if we were to make so what I what I looked at is we sold the property for $5.50, bought the property for, you know, $2.90, what the what the difference in that is because that's that's basically what the capital gain is is, you know, what you what you sold versus what you bought. From there yeah. Correct. Obviously, any deductibles can come off that purchase price. I obviously don't have those details. Accountant's gonna be able to get down mid like, nitty gritty into that. That gives us a $260,000 gain. Now because we've owned the property for more than 12 or the land for more than twelve months, we get a 50% capital gain offset, which gives us a 130,000. And then you only own half of that, which gives you $65,000 worth of the capital gain. Now how capital gains works is that capital gain is added to your income for the year, and you're taxed at the at that marginal rate on that income. So what that's gonna do for you and what it actually does for Troy as well is it actually increases both of your incomes into different brackets. So you are gonna bump up into the bracket that Troy's currently in, and Troy actually bumps up into a higher bracket again. So I did the math on basically where your your tax would sort of sit just so I could get a bit of an understanding as to, you know, if we were to if you if you were to go and do what you, you know, what you were sort of planning and and pay the capital gains, and you were looking at $38 worth of tax for you alone because of the gain, because you move into that higher bracket. So what I wanted to do was I wanted to look at whether we we we could basically put the money the the $65,000 that you've made and that you would be taxed on into your superannuation fund. Now Troy could obviously do the same, and I did sort of, in the appendix, put a bit of information as to if he was to do that, what that does. Now I'm well aware that if we take money from your superannuation fund oh, sorry. Take money from your offset and put that into your superannuation fund, where where we're gonna take that money from is your offset account. And that's going to result in you having money less that's gonna have you with with a gap. Yes. A gap on the mortgage. So what I what I've done is I've actually popped in in the appendix document. There's a nice little table with, like, the mortgage. So, basically, if you would have just put money into your superannuation fund to $65,000, it would result in a $42,000 gap that you would then incur interest on. I based the mortgage over a twenty three year time frame. I did take a little bit of a stab at that just based on when you bought the property and assuming a thirty year purchase rate to begin with. Cool. Look at me go. And, obviously, I had the the interest rate of 6.38%. So it does give you we sorry. You are gonna be incurring interest because we're not gonna have as much sitting on the offset as what we otherwise would have. So that is the biggest, I guess, way up between the two avenues. This gives you more money within your superannuation funds paying and not having to pay the tax on the capital gain. But you're gonna you're gonna have a little bit of interest, which is gonna increase those mortgage repayments for you a little bit each week. So yeah. So you you're gonna have those that those interest chart those interest amount charge. So I can see the the repayment amount won't change, but those interest repayments are gonna are gonna start coming back in. One second. Sorry. Have a drink of water. Clear my throat. So yeah. So it it means that where you are otherwise going to be able to pay repay that that debt off a little bit quicker because we were we were on interest, but we were on principal only, you're gonna be back towards that sort of thirty twenty three year time frame to get it paid off. So it's just gonna kind of push you back out a little bit on that front. Now what we well, it's not you're not even gonna hit the full twenty three year time frame anyway because you still got majority of it offset. Now what I did look at is, obviously, in I I looked at if you both did it. Because as I said, although Troy is not my client, I still wanted to sort of give you the information so that you guys could sort of sit down. Yeah. Yeah. And you can take it to the account, and you can have a chat with the accountant. Obviously, again, the accountant has the better outcome when it comes to tax planning in terms of, like, a capital gains event because he's they're gonna have the receipts for everything that you've incurred in the in the purchase and sale and, you know, if you had to mow the block of land before it got sold, whatever the case may be. Whatever you did to the block. Yep. Yep. Yeah. No. It's yeah. No. And that's that's completely fair enough. I I guess so the only receipts you would have is if you went through a real estate agent for the sales of the like, the sale of the property, you would have those costs that you've incurred for that sale. You have your solicitor fees or the rest of it for any of the settlement stuff. So that'll would all, you know, come into into play for that front. So it just it just gives you a representation of of the effects that your mortgage is gonna have because you if we take off out of the offset account, because we have 4 100,000 sitting in the offset account with $3.37 in the mortgage, it's gonna result in us having, like, for you, if it was it was just one of you that did it to to the full 65,000, you're looking at $42. If it's both of you, it's it's, you know, a 107. So it's just giving you that that 107,000 gap year. Now no. That's okay. Now now if you put the entire amount of the capital gain in your superannuation fund, what you're essentially doing is you are removing the capital gain event by putting it into your superannuation fund concessionally. So you still have to pay tax, but it's at 15% rather than your marginal rate, which your marginal rate are both within the 3237% range. So we're saving anywhere from 17 to 27. Wow. Sorry. My math just literally died on me then. 78% to twenty twenty something. Wow. That's terrible. Coffee definitely definitely hasn't kicked in. Yeah. 17 to 22%. Wow. That was terrible of me. Wow. Yeah. So, you know, at in the 32% bracket, you're obviously saving 17%, the difference between thirty two and fifteen, and then that's 37% tax bracket, you're saving that 22%. Yeah. So it just it it allows you to to put more money away for you. Now the obvious downside is it's seven years before we can touch that money for for retirement purposes. So we're we are locking that money away from ourselves, which which is a little bit of a pain there, but the other I guess the positive side is it's invested in the market. I've gone conservative. I haven't gone really aggressive with our investment because we're under that that ten year time frame, and and you you don't really have the the want to go super aggressive with it. So I've gone for a nice, moderate investment, but still obtaining some really good growth investment stocks. There's stuff that like, stocks that are gonna, you know, generate a good income, but, you know, I've divide diversified everything out really nicely. Now I did also look, and you can you can have a look at the the mortgage in mortgage calculator. It's it's in the the SOA appendix. It's what I did was I had a look at the Perth CBD. The difference between Perth and Brumbury was massive in terms of, obviously, a a distance. Yeah. Yeah. The price is not so much, to be completely honest. You know, there are there are apartments in the first CBD that are going for, you know, your 1.3, but I also found a couple that were going for, like, $5,600,000. But they were very much a little studio apartment box, so I obviously didn't go for that kind of range. So I kinda looked at something that was, like, a nice little moderate mix between. Look. Not gonna lie. It's really cute if you wanna buy it. No. I found something that was sort of in in that East West Perth portion over by the the river. And we'll sort of I I looked around and and got a moderate price range of about 900,000. And what I did was I did a mortgage calculator up to show what that mortgage calculator would look like. So assumption being a $900,000 price purchase price, utilizing the equity of your PPR, a rental income of a thousand dollars, that's that was the sort of median income range for properties in that in that price range and within where I looked. Real estate cost of that 1.7% of the rental income, because, obviously, that's something we have to do, and interest rates are about 6.3%, which is what your current rate's at. I had a look around, and that's pretty much the price range for an investment property at the moment, maybe a little bit more or less depending on, you know, obviously, all the variables that come with purchasing properties and everything like that. I did a thirty year time frame just to, you know, have a a decent decent gap. And then, you know, obviously, depending on how everything goes, the the the objective for you is seven years you wanna retire. From from retirement, we want to look at from retirement, we, you know, we we also have that seven the the investment the property overseas that in seven years is gonna come up. So there's a cash influx from that that can also help to sort of pay a lump sum up on the investment property, and that'll give us a good sort of injection of of assets to sort of pay that off and get everything kinda happening there. So I guess what I'm saying is moving ahead with the investment property is not unreasonable or out of out of scope. It's nothing we could definitely do. The biggest part of it is the fact that the ink like, the interest or mortgage repayments per I I in in the calculator, you'll see it's it's the mortgage the mortgage repayments I've done yearly for you. So I can show you what it looks like over the full thirty years. I didn't wanna give you, you know, 5,000 different months. It's not, yeah, it's not quite gonna cover it. So that's, I guess, probably where where the biggest gap is falling is that on a $900,000 property, if we don't put any any money down on it, we are gonna end up with about a $15,430, yeah, deficit. Correct. That that's gonna, you know, mean that you guys have to put money in each week, month. Now if we really so they put that to to scope and look at what $15,000 is, that's $300 a week. So it's not huge. Yeah. Yeah. But yes. Yeah. And pays for all the bills. So it's it's not it's not completely out of scope. It's just probably a a budgetary conversation as to whether it's something we can afford and then probably a little bit more of a deeper conversation with, you know, getting the broker involved, maybe doing a bit of a a refinance on the current property. We obviously wanna put as much of the debt onto the investment property as possible. We we don't wanna be using any of, like, any of the money we have in a deposit on buying the property. Correct. Yeah. Definitely. Yeah. Because we don't wanna we don't wanna start incurring too much of it of of interest over here when we can't deduct it tax wise. The benefits with the investment property is it becomes a deductible debt. So whilst, yes, you guys might have to put, you know, 15 and a half thousand dollars into the property each year, we have a deduction that comes off both of your incomes. So so that becomes a bit of a benefit, and you could you know, there's a possibility that we have a bit of a tax rebate that comes in each year. Obviously, the risk with an investment property, as you guys know, if no one fills the spot, yeah, if no one fills the spot, you might have a month where you're all of a sudden having to fork out and pay for the entire mortgage repayment. There is always that risk in, you know, in proceeding with something like this. But if you buy a property that you're wanting to move into, something that you're going to be able to see yourself living in come retirement, then it's something that you're able to to maneuver over to once you're, you know, once you do retire. And because we have that that overseas investment property already, it just gives us that better collateral for, you know, for how we can make sure that the property is paid the property gets paid off. Obviously, until until you know what the overseas part apartment is going to sell for, it's gone hard. Yeah. US dollars? Yep. Yep. Yep. Yeah. Okay. Yeah. The taxes. Yeah. Yeah. Yep. No. That's okay. So, like, if if so if we were to put into, I guess, like, if we if we were to sort of look at it as a whole I keep saying seven years because I keep getting stuck up on the fact that seven years still property sells, but it's nine years for retirement. In nine years' time, let's just say we will buy a property now. In nine years' time, the closing balance of the, like, money owed would be about $778,000. 700 let's just say $777.07 9,000 is what we would sort of be looking at as what would be owed. So from that, what we could realistically do is the $300,000 that comes in from the sale of that property, let's just say we have to pay tax because there will be some kind of tax in some portion. I couldn't tell you what that looks like either. That is 100% gonna be the accountant. But, You know, we could we could look at either just putting that straight into the the the mortgage, or we look at sort of some some debt reduction strategies. Maybe we pop it into your superannuation fund and rinse the money that way. Rinsing is the the worst word I could use, but, basically, put it into your superannuation fund in a tax effective way, reduce the amount of tax that you have to pay personally. And then after you're 60, we can pull it out tax free. And we can then basically pull that money out tax free and then pay it off on your mortgage that way. And then, realistically, depending on what you wanna do with the property you live in right now, that could be converted into an income stream to you know, you move out of that, that becomes an investment property. That becomes an income stream for you guys to then have income coming in on that side, and that may be able to pay, like, the remaining of your mortgage off because, realistically, by the time you retire, the your PPR mortgage is gonna be paid off quite quite comfortably. So it it just sort of kinda gives us that that capacity to to be able to play around with, you know, you basically being able to move into a new property and then utilizing the current mortgage as current property as a as an investment property later, letting you letting you downsize. Obviously, if you guys don't wanna have the investment property, then we can definitely look at, you know, how like, when we like, selling that property off, giving you a nice big injection of cash, paying off your current mortgage, and, you know, popping some of the money into superannuation or popping some of the money into sort of investment strategies to give you some, you know, just long term income. Yeah. Yeah. Yeah. It is and it isn't. Like, it's giving you a guaranteed 6.38% return realistically. Whilst it's not making money, it is guaranteeing that you're not paying 6.38%. It's also guaranteeing that you're paying your mortgage off in shorter than the original thirty year time frame because you're paying more off the principal than you are in interest. Correct. No. You wouldn't. It's a PPR. It's a it's a primary place of residence, and you would pay no capital gains at all. So you don't pay capital gains on a yeah. It's it's tax free. Obviously, you start to pay for all the sales costs, real estate agents, solicitor, and all the rest of the stuff. No. It it it does, but there's a six year rule. So it'll it allows you to actually yeah. There's a there's a sneaky cheeky little rule. Yeah. Yeah. No. Yeah. So it lets us do everything we wanna do. I think the the biggest thing and and something you definitely definitely need to talk to Tory about is whether we're willing to take from the offset, which means we're gonna run off a bit of interest, paying a little bit less on the on the on the cap on the principal capital of the loan, but we're gonna avoid that CGT, which, realistically, the CGT is a straight out you just pay the tax man. Yep. It'd be the same. It's the exact same. So what it comes down to 130. Total. Yep. Yep. Yep. Well, that should. So so what it comes down to and what the strategy realistically is is whatever the accountant calculates the capital gain as being is what you contribute. You roles. Yeah. So you you have to because I know you said that you had a meeting with your accountant within the next week or so. Yeah. So meeting with the accountant, getting that CGT calculation done up. Once you have the calculation done up, 100% give me a call. I wanna talk to I wanna talk to you about it. That will then give us the ability to know exactly what it is we put in. So it might not be 65 flat, but it being, like, $64.03 25 or something. But that just gives you the the capacity to be able to totally offset need to pay anything. You obviously still pay your marginal rate. So you've, you know, you've earned $80 for the year. Your employer yeah. You still pay your normal tax. We're not we're not offsetting anything there, but you just you you're not gonna have a CGT bill. Yeah. Yeah. Yeah. And, I mean, the other option is is if Troy's uncomfortable with putting that much money in or taking that much away from the offset, like, for example, if, you know, Troy wanted to keep the house fully offset, you know, you could do part thereof. So, theoretically, there's $23,000 roughly sitting in a gap between what, you know, what you have in the in the offset account, the 400 versus what the mortgage is being $3.37. So the 23,000 dollars, you could just split that pretty even like, evenly between the two of you, pop in about 11 and a half each. It means that you're not you're not having to pay the capital gain on that 11 and a like, 11 and a half each. So you could you could part we could definitely part thereof it. It just depends on which is, you know, as I was saying on Monday, a little bit of a hard hard part is that this is obviously very contingent on how comfortable Troy is. And I'm very much more than happy to have a conversation with yourself and Troy, you know, next week, but, you know, before like, after sorry. Not after after you meet with the accountant to talk through where things sit because it does very much, you know, affect him. Yeah. No. Absolutely. How about what I'll do right now is I'll send you an email. That way you have my direct email address, and you have my contact number on there as well. So you can always give the office a call, or you can just send me an email and schedule in an appointment for you and Troy. Yeah. Yep. 100%. So I'm gonna I can start getting everything rolling slowly. Obviously, there's no no contributions that will you know, we won't make the lump sum contribution. I can't just reach into your bank account and grab it. But we we can definitely have a conversation in, say, a week or two's time. You let me know the date and time, and and we can just make sure we iron out that exact detail as to how much you guys are comfortable contributing. I can have a chat with Troy. We can, you know, have a chat about the sort of budgetary constraints that you guys might run into from, you know, purchasing an investment property, where we really sit comfort wise with our money, and what that might look like for us together as well. Yeah. Perfect. Yeah. And and then if no. You're okay. I was gonna say, and then if we wanna start, like, making a move, I can connect you with my broker. She would be able to look at, you know, a, your your primary place as well. Like, it's always good to go through and make sure that you're getting the a decent rate, especially if you're gonna go and buy another property. If you have two mortgages back to back, then then, you know, you can definitely get a better rate. And and just make sure that everything's sitting nicely and we can you know, what our serviceability looks like, obviously, confirm the interest rate, and we can, like, kinda go from there as to where we're gonna look. And then, you know, maybe, fingers crossed, start looking for a property. Correct. Yeah. So I had a look at insurances available within, like, the retail market and where everything fits. And Yeah. I wanna keep your HESTA account open to keep your insurance in place. I don't wanna close it. I think it's still, whilst it might only be a limited benefit, I still I still think it's a it's an important benefit to have. The life insurance policy covers yourself it covers covers the mortgage, like, nicely. It gives a nice cash injection if anything happens to you. So that way none of none of our, you know, life goals are gonna be affected. And and then the the income protection is important from an ongoing cost perspective. I could not meet any of those prices in the market. I was looking at a few more grand per year because currently you pay about 3,700. I was looking at a a bit higher. Yeah. So yeah. So I I didn't wanna affect you know, I didn't wanna increase the cost of our insurance because it makes absolutely no sense to do. So what what I wanna do is I wanna basically leave HESTA exactly where it is. I don't wanna change the investment because I don't wanna take on more risk in the investment pool. I'm happy with where it currently sits from an investment position, but we're just gonna leave a little bit in the account to just kind of keep it ticking, and it basically becomes an insurance it becomes an insurance paying bank account. So if anything happens to you, we have that insurance sitting there. Yeah. Yep. Nope. So what we do is we, yeah, we we keep it with Hester. So that way, we meet Hester's requirement, the legislative requirements to have the account active and receiving contributions because we don't wanna your insurance still lapse. We wanna keep it in place until we decide to close it. And we yeah. And we would just do rollovers. So I would move majority of the money. I would invest the majority of the money, and we just do rollovers every annum to just keep that balance to, you know, a nice minimum and just chop up where we're at from a from an investment point of view. Yeah. Yeah. Yeah. Just it's just it's just gonna pull along from a it's it's just gonna hold hold your insurance, really. Yeah. Yeah. So so with with the two with the two super funds, you can still you can still have your your logins. Each year, we would do a a a conversation much like what we've kind of done over the last couple of calls, where I would touch base with you, have a conversation, make sure that everything's kosher, see where we're at, see where whether we need any more advice or we're ready to move on something that we've talked about previously. And then I would go away, do any research that may need to happen, put together a a statement of advice document, and then present to you the plan of action from there. And we would do that every annum, and I would give you a full update as to where things are at. I send you statements for for for the like, reporting on both of the accounts. So that way you have everything you need. No. You're okay. Yeah. No. I get it. Yeah. Yeah. No. You you'll be able to have you'll be able to have, like, a a full full app app access application. So you can download an app on your phone, you can log in, and you can check it yourself. Yeah. Yeah. Absolutely. No. That's that's pretty much everything. I think the the biggest I I guess the the probably the the next steps that's that's probably most applicable is just confirming whether you would want me to me and my team to give you a call next week to kinda go through the welcome call. So it's just sort of where we we step things out a little, like, a little bit slowly and just kinda talk you through the implementation of everything, And we start implementing all the the advice that we've gone through. So, you know, making sure that we're sending you mail and explaining that, you know, beneficiary documents and everything that needs to be filled out there and just going through everything from a, you know, implementation point of view. So I'm I'm happy to get my team to give you a call next week, say, mid to late next week. Is it Wednesday, Thursday? Yeah. Yeah. Yeah. Yes. Two hours. Yep. Oh, me too. No. It's not. Two 02:00 is 04:00, and that is fine. We're in the office till 7PM our time, which is 5PM your time. Perfect. Okay. Perfect. 02:30PM, February time, Thursday, twenty third. I love no. Absolutely perfect. And, hopefully, by the the time Thursday rolls around, you've had a chance to meet with the accountant too, so I can grab the figures off you. Yep. I'm sending you an email so you'll be able to respond. And then my phone number, our website, our address are all in my signature, so you'll be able to reach out to me anytime you need to. I sent it through to you. Yeah. Oh, really? I I guess I guess it is a bit weird because it's like, oh, not really. It's equally weird. I have one too. Yeah. Yes. No. I get it. I I have a joint one too. It's where all the bills go. Yeah. Absolutely. No. Perfect. You should have an email from me now. I pressed send a couple minutes ago. So yeah. It just says hi. Rejected. I love no. No. Absolutely. Check check out the website and and have a look. You can see that, like, all the staff that work here. You'll be able to see my photo and and have a look at everything so that way you can make sure that you feel comfortable. Yeah. No. Absolutely. And yes. And Thursday, if Troy's around, happy to have a chat to him as well depending on what he works. Yep. Yeah. Yeah. Absolutely. Yeah. I get it. Perfect. No. Absolutely. It was my pleasure. It was fun to put, yeah, it was fun to put together, and it gives us a good direction. A lot of it's just information for consideration, but it gives us a good a good kind of solid basis to start working things out from there. Yeah. I know. It it becomes overwhelming when you have too many options. Yeah. Yeah. You wanna have an you wanna have an exit strategy, something that you're comfortable with. Yeah. Yeah. 100 percent. Yeah. No. Absolutely. Or at least offset to the point where, like, if if you had kept the investment property, it's it's paying for a little bit of mortgage you might have left. Like, that you're total you're not putting any money in, and you're completely covered with income on that front. Definitely. Yeah. Perfect. No. My pleasure. What I'm here for. Will do. Thanks, Michelle. 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Good afternoon, my darlings. Good. Good. Good.\n\nGood. Yes. Absolutely. Yeah. Absolutely.\n\nNo. Fantastic. Proper on through, and I'm so happy to have a chat. Do you need her back? Or I love.\n\nThank you. Hi, Michelle. How are you going? That's good. So I went through and obviously put everything together, and I looked at everything we spoke about.\n\nSo I looked at I looked at the the the possibility of buying an investment property, what we could do in that in that arena. I also looked at the CGT event that you will have. Now as I did discuss with you at Monday, your accountant's gonna have a better concept as to what the actual CGT event will be as an outcome. Yeah. But I did a like, an estimated calculation based on the buy and sell data that you gave me.\n\nNow I'm well aware that, you know, there's generally sales costs associated with, you know, even the sale of a land that you could be able to, you know, pass or, you know, use as a deductible. So my math is gonna be a little bit of a variance to what the account is gonna be be able to produce. Yeah. But what I what I looked at was if we were to make so what I what I looked at is we sold the property for $5.50, bought the property for, you know, $2.90, what the what the difference in that is because that's that's basically what the capital gain is is, you know, what you what you sold versus what you bought. From there yeah.\n\nCorrect. Obviously, any deductibles can come off that purchase price. I obviously don't have those details. Accountant's gonna be able to get down mid like, nitty gritty into that. That gives us a $260,000 gain.\n\nNow because we've owned the property for more than 12 or the land for more than twelve months, we get a 50% capital gain offset, which gives us a 130,000. And then you only own half of that, which gives you $65,000 worth of the capital gain. Now how capital gains works is that capital gain is added to your income for the year, and you're taxed at the at that marginal rate on that income. So what that's gonna do for you and what it actually does for Troy as well is it actually increases both of your incomes into different brackets. So you are gonna bump up into the bracket that Troy's currently in, and Troy actually bumps up into a higher bracket again.\n\nSo I did the math on basically where your your tax would sort of sit just so I could get a bit of an understanding as to, you know, if we were to if you if you were to go and do what you, you know, what you were sort of planning and and pay the capital gains, and you were looking at $38 worth of tax for you alone because of the gain, because you move into that higher bracket. So what I wanted to do was I wanted to look at whether we we we could basically put the money the the $65,000 that you've made and that you would be taxed on into your superannuation fund. Now Troy could obviously do the same, and I did sort of, in the appendix, put a bit of information as to if he was to do that, what that does. Now I'm well aware that if we take money from your superannuation fund oh, sorry. Take money from your offset and put that into your superannuation fund, where where we're gonna take that money from is your offset account.\n\nAnd that's going to result in you having money less that's gonna have you with with a gap. Yes. A gap on the mortgage. So what I what I've done is I've actually popped in in the appendix document. There's a nice little table with, like, the mortgage.\n\nSo, basically, if you would have just put money into your superannuation fund to $65,000, it would result in a $42,000 gap that you would then incur interest on. I based the mortgage over a twenty three year time frame. I did take a little bit of a stab at that just based on when you bought the property and assuming a thirty year purchase rate to begin with. Cool. Look at me go.\n\nAnd, obviously, I had the the interest rate of 6.38%. So it does give you we sorry. You are gonna be incurring interest because we're not gonna have as much sitting on the offset as what we otherwise would have. So that is the biggest, I guess, way up between the two avenues. This gives you more money within your superannuation funds paying and not having to pay the tax on the capital gain.\n\nBut you're gonna you're gonna have a little bit of interest, which is gonna increase those mortgage repayments for you a little bit each week. So yeah. So you you're gonna have those that those interest chart those interest amount charge. So I can see the the repayment amount won't change, but those interest repayments are gonna are gonna start coming back in. One second.\n\nSorry. Have a drink of water. Clear my throat. So yeah. So it it means that where you are otherwise going to be able to pay repay that that debt off a little bit quicker because we were we were on interest, but we were on principal only, you're gonna be back towards that sort of thirty twenty three year time frame to get it paid off.\n\nSo it's just gonna kind of push you back out a little bit on that front. Now what we well, it's not you're not even gonna hit the full twenty three year time frame anyway because you still got majority of it offset. Now what I did look at is, obviously, in I I looked at if you both did it. Because as I said, although Troy is not my client, I still wanted to sort of give you the information so that you guys could sort of sit down. Yeah.\n\nYeah. And you can take it to the account, and you can have a chat with the accountant. Obviously, again, the accountant has the better outcome when it comes to tax planning in terms of, like, a capital gains event because he's they're gonna have the receipts for everything that you've incurred in the in the purchase and sale and, you know, if you had to mow the block of land before it got sold, whatever the case may be. Whatever you did to the block. Yep.\n\nYep. Yeah. No. It's yeah. No.\n\nAnd that's that's completely fair enough. I I guess so the only receipts you would have is if you went through a real estate agent for the sales of the like, the sale of the property, you would have those costs that you've incurred for that sale. You have your solicitor fees or the rest of it for any of the settlement stuff. So that'll would all, you know, come into into play for that front. So it just it just gives you a representation of of the effects that your mortgage is gonna have because you if we take off out of the offset account, because we have 4 100,000 sitting in the offset account with $3.37 in the mortgage, it's gonna result in us having, like, for you, if it was it was just one of you that did it to to the full 65,000, you're looking at $42.\n\nIf it's both of you, it's it's, you know, a 107. So it's just giving you that that 107,000 gap year. Now no. That's okay. Now now if you put the entire amount of the capital gain in your superannuation fund, what you're essentially doing is you are removing the capital gain event by putting it into your superannuation fund concessionally.\n\nSo you still have to pay tax, but it's at 15% rather than your marginal rate, which your marginal rate are both within the 3237% range. So we're saving anywhere from 17 to 27. Wow. Sorry. My math just literally died on me then.\n\n78% to twenty twenty something. Wow. That's terrible. Coffee definitely definitely hasn't kicked in. Yeah.\n\n17 to 22%. Wow. That was terrible of me. Wow. Yeah.\n\nSo, you know, at in the 32% bracket, you're obviously saving 17%, the difference between thirty two and fifteen, and then that's 37% tax bracket, you're saving that 22%. Yeah. So it just it it allows you to to put more money away for you. Now the obvious downside is it's seven years before we can touch that money for for retirement purposes. So we're we are locking that money away from ourselves, which which is a little bit of a pain there, but the other I guess the positive side is it's invested in the market.\n\nI've gone conservative. I haven't gone really aggressive with our investment because we're under that that ten year time frame, and and you you don't really have the the want to go super aggressive with it. So I've gone for a nice, moderate investment, but still obtaining some really good growth investment stocks. There's stuff that like, stocks that are gonna, you know, generate a good income, but, you know, I've divide diversified everything out really nicely. Now I did also look, and you can you can have a look at the the mortgage in mortgage calculator.\n\nIt's it's in the the SOA appendix. It's what I did was I had a look at the Perth CBD. The difference between Perth and Brumbury was massive in terms of, obviously, a a distance. Yeah. Yeah.\n\nThe price is not so much, to be completely honest. You know, there are there are apartments in the first CBD that are going for, you know, your 1.3, but I also found a couple that were going for, like, $5,600,000. But they were very much a little studio apartment box, so I obviously didn't go for that kind of range. So I kinda looked at something that was, like, a nice little moderate mix between. Look.\n\nNot gonna lie. It's really cute if you wanna buy it. No. I found something that was sort of in in that East West Perth portion over by the the river. And we'll sort of I I looked around and and got a moderate price range of about 900,000.\n\nAnd what I did was I did a mortgage calculator up to show what that mortgage calculator would look like. So assumption being a $900,000 price purchase price, utilizing the equity of your PPR, a rental income of a thousand dollars, that's that was the sort of median income range for properties in that in that price range and within where I looked. Real estate cost of that 1.7% of the rental income, because, obviously, that's something we have to do, and interest rates are about 6.3%, which is what your current rate's at. I had a look around, and that's pretty much the price range for an investment property at the moment, maybe a little bit more or less depending on, you know, obviously, all the variables that come with purchasing properties and everything like that. I did a thirty year time frame just to, you know, have a a decent decent gap.\n\nAnd then, you know, obviously, depending on how everything goes, the the the objective for you is seven years you wanna retire. From from retirement, we want to look at from retirement, we, you know, we we also have that seven the the investment the property overseas that in seven years is gonna come up. So there's a cash influx from that that can also help to sort of pay a lump sum up on the investment property, and that'll give us a good sort of injection of of assets to sort of pay that off and get everything kinda happening there. So I guess what I'm saying is moving ahead with the investment property is not unreasonable or out of out of scope. It's nothing we could definitely do.\n\nThe biggest part of it is the fact that the ink like, the interest or mortgage repayments per I I in in the calculator, you'll see it's it's the mortgage the mortgage repayments I've done yearly for you. So I can show you what it looks like over the full thirty years. I didn't wanna give you, you know, 5,000 different months. It's not, yeah, it's not quite gonna cover it. So that's, I guess, probably where where the biggest gap is falling is that on a $900,000 property, if we don't put any any money down on it, we are gonna end up with about a $15,430, yeah, deficit.\n\nCorrect. That that's gonna, you know, mean that you guys have to put money in each week, month. Now if we really so they put that to to scope and look at what $15,000 is, that's $300 a week. So it's not huge. Yeah.\n\nYeah. But yes. Yeah. And pays for all the bills. So it's it's not it's not completely out of scope.\n\nIt's just probably a a budgetary conversation as to whether it's something we can afford and then probably a little bit more of a deeper conversation with, you know, getting the broker involved, maybe doing a bit of a a refinance on the current property. We obviously wanna put as much of the debt onto the investment property as possible. We we don't wanna be using any of, like, any of the money we have in a deposit on buying the property. Correct. Yeah.\n\nDefinitely. Yeah. Because we don't wanna we don't wanna start incurring too much of it of of interest over here when we can't deduct it tax wise. The benefits with the investment property is it becomes a deductible debt. So whilst, yes, you guys might have to put, you know, 15 and a half thousand dollars into the property each year, we have a deduction that comes off both of your incomes.\n\nSo so that becomes a bit of a benefit, and you could you know, there's a possibility that we have a bit of a tax rebate that comes in each year. Obviously, the risk with an investment property, as you guys know, if no one fills the spot, yeah, if no one fills the spot, you might have a month where you're all of a sudden having to fork out and pay for the entire mortgage repayment. There is always that risk in, you know, in proceeding with something like this. But if you buy a property that you're wanting to move into, something that you're going to be able to see yourself living in come retirement, then it's something that you're able to to maneuver over to once you're, you know, once you do retire. And because we have that that overseas investment property already, it just gives us that better collateral for, you know, for how we can make sure that the property is paid the property gets paid off.\n\nObviously, until until you know what the overseas part apartment is going to sell for, it's gone hard. Yeah. US dollars? Yep. Yep.\n\nYep. Yeah. Okay. Yeah. The taxes.\n\nYeah. Yeah. Yep. No. That's okay.\n\nSo, like, if if so if we were to put into, I guess, like, if we if we were to sort of look at it as a whole I keep saying seven years because I keep getting stuck up on the fact that seven years still property sells, but it's nine years for retirement. In nine years' time, let's just say we will buy a property now. In nine years' time, the closing balance of the, like, money owed would be about $778,000. 700 let's just say $777.07 9,000 is what we would sort of be looking at as what would be owed. So from that, what we could realistically do is the $300,000 that comes in from the sale of that property, let's just say we have to pay tax because there will be some kind of tax in some portion.\n\nI couldn't tell you what that looks like either. That is 100% gonna be the accountant. But, You know, we could we could look at either just putting that straight into the the the mortgage, or we look at sort of some some debt reduction strategies. Maybe we pop it into your superannuation fund and rinse the money that way. Rinsing is the the worst word I could use, but, basically, put it into your superannuation fund in a tax effective way, reduce the amount of tax that you have to pay personally.\n\nAnd then after you're 60, we can pull it out tax free. And we can then basically pull that money out tax free and then pay it off on your mortgage that way. And then, realistically, depending on what you wanna do with the property you live in right now, that could be converted into an income stream to you know, you move out of that, that becomes an investment property. That becomes an income stream for you guys to then have income coming in on that side, and that may be able to pay, like, the remaining of your mortgage off because, realistically, by the time you retire, the your PPR mortgage is gonna be paid off quite quite comfortably. So it it just sort of kinda gives us that that capacity to to be able to play around with, you know, you basically being able to move into a new property and then utilizing the current mortgage as current property as a as an investment property later, letting you letting you downsize.\n\nObviously, if you guys don't wanna have the investment property, then we can definitely look at, you know, how like, when we like, selling that property off, giving you a nice big injection of cash, paying off your current mortgage, and, you know, popping some of the money into superannuation or popping some of the money into sort of investment strategies to give you some, you know, just long term income. Yeah. Yeah. Yeah. It is and it isn't.\n\nLike, it's giving you a guaranteed 6.38% return realistically. Whilst it's not making money, it is guaranteeing that you're not paying 6.38%. It's also guaranteeing that you're paying your mortgage off in shorter than the original thirty year time frame because you're paying more off the principal than you are in interest. Correct. No.\n\nYou wouldn't. It's a PPR. It's a it's a primary place of residence, and you would pay no capital gains at all. So you don't pay capital gains on a yeah. It's it's tax free.\n\nObviously, you start to pay for all the sales costs, real estate agents, solicitor, and all the rest of the stuff. No. It it it does, but there's a six year rule. So it'll it allows you to actually yeah. There's a there's a sneaky cheeky little rule.\n\nYeah. Yeah. No. Yeah. So it lets us do everything we wanna do.\n\nI think the the biggest thing and and something you definitely definitely need to talk to Tory about is whether we're willing to take from the offset, which means we're gonna run off a bit of interest, paying a little bit less on the on the on the cap on the principal capital of the loan, but we're gonna avoid that CGT, which, realistically, the CGT is a straight out you just pay the tax man. Yep. It'd be the same. It's the exact same. So what it comes down to 130.\n\nTotal. Yep. Yep. Yep. Well, that should.\n\nSo so what it comes down to and what the strategy realistically is is whatever the accountant calculates the capital gain as being is what you contribute. You roles. Yeah. So you you have to because I know you said that you had a meeting with your accountant within the next week or so. Yeah.\n\nSo meeting with the accountant, getting that CGT calculation done up. Once you have the calculation done up, 100% give me a call. I wanna talk to I wanna talk to you about it. That will then give us the ability to know exactly what it is we put in. So it might not be 65 flat, but it being, like, $64.03 25 or something.\n\nBut that just gives you the the capacity to be able to totally offset need to pay anything. You obviously still pay your marginal rate. So you've, you know, you've earned $80 for the year. Your employer yeah. You still pay your normal tax.\n\nWe're not we're not offsetting anything there, but you just you you're not gonna have a CGT bill. Yeah. Yeah. Yeah. And, I mean, the other option is is if Troy's uncomfortable with putting that much money in or taking that much away from the offset, like, for example, if, you know, Troy wanted to keep the house fully offset, you know, you could do part thereof.\n\nSo, theoretically, there's $23,000 roughly sitting in a gap between what, you know, what you have in the in the offset account, the 400 versus what the mortgage is being $3.37. So the 23,000 dollars, you could just split that pretty even like, evenly between the two of you, pop in about 11 and a half each. It means that you're not you're not having to pay the capital gain on that 11 and a like, 11 and a half each. So you could you could part we could definitely part thereof it. It just depends on which is, you know, as I was saying on Monday, a little bit of a hard hard part is that this is obviously very contingent on how comfortable Troy is.\n\nAnd I'm very much more than happy to have a conversation with yourself and Troy, you know, next week, but, you know, before like, after sorry. Not after after you meet with the accountant to talk through where things sit because it does very much, you know, affect him. Yeah. No. Absolutely.\n\nHow about what I'll do right now is I'll send you an email. That way you have my direct email address, and you have my contact number on there as well. So you can always give the office a call, or you can just send me an email and schedule in an appointment for you and Troy. Yeah. Yep.\n\n100%. So I'm gonna I can start getting everything rolling slowly. Obviously, there's no no contributions that will you know, we won't make the lump sum contribution. I can't just reach into your bank account and grab it. But we we can definitely have a conversation in, say, a week or two's time.\n\nYou let me know the date and time, and and we can just make sure we iron out that exact detail as to how much you guys are comfortable contributing. I can have a chat with Troy. We can, you know, have a chat about the sort of budgetary constraints that you guys might run into from, you know, purchasing an investment property, where we really sit comfort wise with our money, and what that might look like for us together as well. Yeah. Perfect.\n\nYeah. And and then if no. You're okay. I was gonna say, and then if we wanna start, like, making a move, I can connect you with my broker. She would be able to look at, you know, a, your your primary place as well.\n\nLike, it's always good to go through and make sure that you're getting the a decent rate, especially if you're gonna go and buy another property. If you have two mortgages back to back, then then, you know, you can definitely get a better rate. And and just make sure that everything's sitting nicely and we can you know, what our serviceability looks like, obviously, confirm the interest rate, and we can, like, kinda go from there as to where we're gonna look. And then, you know, maybe, fingers crossed, start looking for a property. Correct.\n\nYeah. So I had a look at insurances available within, like, the retail market and where everything fits. And Yeah. I wanna keep your HESTA account open to keep your insurance in place. I don't wanna close it.\n\nI think it's still, whilst it might only be a limited benefit, I still I still think it's a it's an important benefit to have. The life insurance policy covers yourself it covers covers the mortgage, like, nicely. It gives a nice cash injection if anything happens to you. So that way none of none of our, you know, life goals are gonna be affected. And and then the the income protection is important from an ongoing cost perspective.\n\nI could not meet any of those prices in the market. I was looking at a few more grand per year because currently you pay about 3,700. I was looking at a a bit higher. Yeah. So yeah.\n\nSo I I didn't wanna affect you know, I didn't wanna increase the cost of our insurance because it makes absolutely no sense to do. So what what I wanna do is I wanna basically leave HESTA exactly where it is. I don't wanna change the investment because I don't wanna take on more risk in the investment pool. I'm happy with where it currently sits from an investment position, but we're just gonna leave a little bit in the account to just kind of keep it ticking, and it basically becomes an insurance it becomes an insurance paying bank account. So if anything happens to you, we have that insurance sitting there.\n\nYeah. Yep. Nope. So what we do is we, yeah, we we keep it with Hester. So that way, we meet Hester's requirement, the legislative requirements to have the account active and receiving contributions because we don't wanna your insurance still lapse.\n\nWe wanna keep it in place until we decide to close it. And we yeah. And we would just do rollovers. So I would move majority of the money. I would invest the majority of the money, and we just do rollovers every annum to just keep that balance to, you know, a nice minimum and just chop up where we're at from a from an investment point of view.\n\nYeah. Yeah. Yeah. Just it's just it's just gonna pull along from a it's it's just gonna hold hold your insurance, really. Yeah.\n\nYeah. So so with with the two with the two super funds, you can still you can still have your your logins. Each year, we would do a a a conversation much like what we've kind of done over the last couple of calls, where I would touch base with you, have a conversation, make sure that everything's kosher, see where we're at, see where whether we need any more advice or we're ready to move on something that we've talked about previously. And then I would go away, do any research that may need to happen, put together a a statement of advice document, and then present to you the plan of action from there. And we would do that every annum, and I would give you a full update as to where things are at.\n\nI send you statements for for for the like, reporting on both of the accounts. So that way you have everything you need. No. You're okay. Yeah.\n\nNo. I get it. Yeah. Yeah. No.\n\nYou you'll be able to have you'll be able to have, like, a a full full app app access application. So you can download an app on your phone, you can log in, and you can check it yourself. Yeah. Yeah. Absolutely.\n\nNo. That's that's pretty much everything. I think the the biggest I I guess the the probably the the next steps that's that's probably most applicable is just confirming whether you would want me to me and my team to give you a call next week to kinda go through the welcome call. So it's just sort of where we we step things out a little, like, a little bit slowly and just kinda talk you through the implementation of everything, And we start implementing all the the advice that we've gone through. So, you know, making sure that we're sending you mail and explaining that, you know, beneficiary documents and everything that needs to be filled out there and just going through everything from a, you know, implementation point of view.\n\nSo I'm I'm happy to get my team to give you a call next week, say, mid to late next week. Is it Wednesday, Thursday? Yeah. Yeah. Yeah.\n\nYes. Two hours. Yep. Oh, me too. No.\n\nIt's not. Two 02:00 is 04:00, and that is fine. We're in the office till 7PM our time, which is 5PM your time. Perfect. Okay.\n\nPerfect. 02:30PM, February time, Thursday, twenty third. I love no. Absolutely perfect. And, hopefully, by the the time Thursday rolls around, you've had a chance to meet with the accountant too, so I can grab the figures off you.\n\nYep. I'm sending you an email so you'll be able to respond. And then my phone number, our website, our address are all in my signature, so you'll be able to reach out to me anytime you need to. I sent it through to you. Yeah.\n\nOh, really? I I guess I guess it is a bit weird because it's like, oh, not really. It's equally weird. I have one too. Yeah.\n\nYes. No. I get it. I I have a joint one too. It's where all the bills go.\n\nYeah. Absolutely. No. Perfect. You should have an email from me now.\n\nI pressed send a couple minutes ago. So yeah. It just says hi. Rejected. I love no.\n\nNo. Absolutely. Check check out the website and and have a look. You can see that, like, all the staff that work here. You'll be able to see my photo and and have a look at everything so that way you can make sure that you feel comfortable.\n\nYeah. No. Absolutely. And yes. And Thursday, if Troy's around, happy to have a chat to him as well depending on what he works.\n\nYep. Yeah. Yeah. Absolutely. Yeah.\n\nI get it. Perfect. No. Absolutely. It was my pleasure.\n\nIt was fun to put, yeah, it was fun to put together, and it gives us a good direction. A lot of it's just information for consideration, but it gives us a good a good kind of solid basis to start working things out from there. Yeah. I know. It it becomes overwhelming when you have too many options.\n\nYeah. Yeah. You wanna have an you wanna have an exit strategy, something that you're comfortable with. Yeah. Yeah.\n\n100 percent. Yeah. No. Absolutely. Or at least offset to the point where, like, if if you had kept the investment property, it's it's paying for a little bit of mortgage you might have left.\n\nLike, that you're total you're not putting any money in, and you're completely covered with income on that front. Definitely. Yeah. Perfect. No.\n\nMy pleasure. What I'm here for. Will do. Thanks, Michelle. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.10040420293807983},{"text":"Good afternoon, my darlings.","start":3.04,"end":4.34,"sentiment":"positive","sentiment_score":0.42610615491867065},{"text":"Good.","start":6.72,"end":7.22,"sentiment":"positive","sentiment_score":0.4496102333068848},{"text":"Good.","start":8.08,"end":8.24,"sentiment":"positive","sentiment_score":0.5321353673934937},{"text":"Good.","start":8.24,"end":8.48,"sentiment":"positive","sentiment_score":0.582660436630249}],"sentiment":"positive","sentiment_score":0.42115435749292374,"num_words":8,"start":2.56,"end":8.48},{"sentences":[{"text":"Good.","start":8.48,"end":8.98,"sentiment":"positive","sentiment_score":0.6134191155433655},{"text":"Yes.","start":25.710001,"end":26.210001,"sentiment":"neutral","sentiment_score":0.18669408559799192},{"text":"Absolutely.","start":39.164997,"end":39.664997,"sentiment":"neutral","sentiment_score":0.18207162618637085},{"text":"Yeah.","start":53.9,"end":54.22,"sentiment":"neutral","sentiment_score":0.06917688250541687},{"text":"Absolutely.","start":54.22,"end":54.72,"sentiment":"neutral","sentiment_score":0.08987177163362503}],"sentiment":"neutral","sentiment_score":0.22824669629335403,"num_words":5,"start":8.48,"end":54.72},{"sentences":[{"text":"No.","start":55.02,"end":55.34,"sentiment":"neutral","sentiment_score":0.11123009026050568},{"text":"Fantastic.","start":55.34,"end":55.84,"sentiment":"neutral","sentiment_score":0.3034256398677826},{"text":"Proper on through, and I'm so happy to have a chat.","start":56.300003,"end":58.620003,"sentiment":"neutral","sentiment_score":0.3168947019360282},{"text":"Do you need her back?","start":58.620003,"end":59.82,"sentiment":"neutral","sentiment_score":0.045110633969306944},{"text":"Or I love.","start":59.82,"end":68.915,"sentiment":"neutral","sentiment_score":0.3241589528818925}],"sentiment":"neutral","sentiment_score":0.2427870228531815,"num_words":21,"start":55.02,"end":68.915},{"sentences":[{"text":"Thank you.","start":68.915,"end":69.735,"sentiment":"positive","sentiment_score":0.4131750911474228},{"text":"Hi, Michelle.","start":95.345,"end":96.145004,"sentiment":"neutral","sentiment_score":0.10532809048891068},{"text":"How are you going?","start":96.145004,"end":97.125,"sentiment":"neutral","sentiment_score":0.12190056964755058},{"text":"That's good.","start":100.09,"end":100.99,"sentiment":"positive","sentiment_score":0.390377476811409},{"text":"So I went through and obviously put everything together, and I looked at everything we spoke about.","start":101.85,"end":109.85,"sentiment":"neutral","sentiment_score":0.08962603329735644}],"sentiment":"neutral","sentiment_score":0.14181504302002765,"num_words":27,"start":68.915,"end":109.85},{"sentences":[{"text":"So I looked at I looked at the the the possibility of buying an investment property, what we could do in that in that arena.","start":109.85,"end":116.255005,"sentiment":"neutral","sentiment_score":0.08284893438220024},{"text":"I also looked at the CGT event that you will have.","start":117.675,"end":124.335,"sentiment":"neutral","sentiment_score":0.05920937420292334},{"text":"Now as I did discuss with you at Monday, your accountant's gonna have a better concept as to what the actual CGT event will be as an outcome.","start":124.395004,"end":136.69,"sentiment":"neutral","sentiment_score":0.1730075553059578},{"text":"Yeah.","start":137.31,"end":137.81,"sentiment":"neutral","sentiment_score":0.16263365745544434},{"text":"But I did a like, an estimated calculation based on the buy and sell data that you gave me.","start":138.03,"end":144.485,"sentiment":"neutral","sentiment_score":0.11386440184555556}],"sentiment":"neutral","sentiment_score":0.11777137281994025,"num_words":84,"start":109.85,"end":144.485},{"sentences":[{"text":"Now I'm well aware that, you know, there's generally sales costs associated with, you know, even the sale of a land that you could be able to, you know, pass or, you know, use as a deductible.","start":144.485,"end":155.385,"sentiment":"neutral","sentiment_score":0.09104189941206493},{"text":"So my math is gonna be a little bit of a variance to what the account is gonna be be able to produce.","start":155.81,"end":160.95,"sentiment":"neutral","sentiment_score":-0.02737234953952872},{"text":"Yeah.","start":163.97,"end":164.47,"sentiment":"neutral","sentiment_score":0.035490281879901886},{"text":"But what I what I looked at was if we were to make so what I what I looked at is we sold the property for $5.50, bought the property for, you know, $2.90, what the what the difference in that is because that's that's basically what the capital gain is is, you know, what you what you sold versus what you bought.","start":165.09,"end":185.57,"sentiment":"neutral","sentiment_score":-0.01612337100659571},{"text":"From there yeah.","start":186.19,"end":187.87001,"sentiment":"neutral","sentiment_score":0.06492909354468186}],"sentiment":"neutral","sentiment_score":0.01538182226720992,"num_words":127,"start":144.485,"end":187.87001},{"sentences":[{"text":"Correct.","start":187.87001,"end":188.37001,"sentiment":"neutral","sentiment_score":0.17368356883525848},{"text":"Obviously, any deductibles can come off that purchase price.","start":189.07,"end":192.13,"sentiment":"neutral","sentiment_score":-0.050101057522826724},{"text":"I obviously don't have those details.","start":192.19,"end":193.63,"sentiment":"neutral","sentiment_score":-0.22620180497566858},{"text":"Accountant's gonna be able to get down mid like, nitty gritty into that.","start":193.63,"end":197.25,"sentiment":"neutral","sentiment_score":0.010529990379626934},{"text":"That gives us a $260,000 gain.","start":197.915,"end":200.815,"sentiment":"positive","sentiment_score":0.37957538664340973}],"sentiment":"neutral","sentiment_score":0.022283011887754712,"num_words":35,"start":187.87001,"end":200.815},{"sentences":[{"text":"Now because we've owned the property for more than 12 or the land for more than twelve months, we get a 50% capital gain offset, which gives us a 130,000.","start":200.955,"end":212.29,"sentiment":"neutral","sentiment_score":0.199595199773709},{"text":"And then you only own half of that, which gives you $65,000 worth of the capital gain.","start":212.29,"end":217.17,"sentiment":"neutral","sentiment_score":0.20107398620423148},{"text":"Now how capital gains works is that capital gain is added to your income for the year, and you're taxed at the at that marginal rate on that income.","start":217.17,"end":228.415,"sentiment":"neutral","sentiment_score":0.19298356720085802},{"text":"So what that's gonna do for you and what it actually does for Troy as well is it actually increases both of your incomes into different brackets.","start":228.95499,"end":237.61499,"sentiment":"positive","sentiment_score":0.40760863103248457},{"text":"So you are gonna bump up into the bracket that Troy's currently in, and Troy actually bumps up into a higher bracket again.","start":238.17,"end":244.90999,"sentiment":"neutral","sentiment_score":0.1048852249008158}],"sentiment":"neutral","sentiment_score":0.22555897157225344,"num_words":126,"start":200.955,"end":244.90999},{"sentences":[{"text":"So I did the math on basically where your your tax would sort of sit just so I could get a bit of an understanding as to, you know, if we were to if you if you were to go and do what you, you know, what you were sort of planning and and pay the capital gains, and you were looking at $38 worth of tax for you alone because of the gain, because you move into that higher bracket.","start":246.40999,"end":270.80002,"sentiment":"neutral","sentiment_score":0.0009917930274465938},{"text":"So what I wanted to do was I wanted to look at whether we we we could basically put the money the the $65,000 that you've made and that you would be taxed on into your superannuation fund.","start":272.62003,"end":285.115,"sentiment":"neutral","sentiment_score":0.08595862121958482},{"text":"Now Troy could obviously do the same, and I did sort of, in the appendix, put a bit of information as to if he was to do that, what that does.","start":287.01498,"end":295.51498,"sentiment":"neutral","sentiment_score":0.08602087788524167},{"text":"Now I'm well aware that if we take money from your superannuation fund oh, sorry.","start":295.86,"end":300.91998,"sentiment":"neutral","sentiment_score":-0.04125011228024959},{"text":"Take money from your offset and put that into your superannuation fund, where where we're gonna take that money from is your offset account.","start":301.3,"end":307.56,"sentiment":"neutral","sentiment_score":-0.05138925660867244}],"sentiment":"neutral","sentiment_score":0.022017546101576753,"num_words":189,"start":246.40999,"end":307.56},{"sentences":[{"text":"And that's going to result in you having money less that's gonna have you with with a gap.","start":308.18,"end":316.955,"sentiment":"neutral","sentiment_score":-0.10705625514189403},{"text":"Yes.","start":318.29498,"end":318.615,"sentiment":"neutral","sentiment_score":-0.00011401530355215073},{"text":"A gap on the mortgage.","start":318.615,"end":319.675,"sentiment":"neutral","sentiment_score":-0.04655862152576447},{"text":"So what I what I've done is I've actually popped in in the appendix document.","start":320.29498,"end":324.395,"sentiment":"neutral","sentiment_score":0.02776480106016},{"text":"There's a nice little table with, like, the mortgage.","start":324.65,"end":328.41,"sentiment":"neutral","sentiment_score":0.09142077362371816}],"sentiment":"neutral","sentiment_score":-0.019180432020220906,"num_words":48,"start":308.18,"end":328.41},{"sentences":[{"text":"So, basically, if you would have just put money into your superannuation fund to $65,000, it would result in a $42,000 gap that you would then incur interest on.","start":328.41,"end":337.515,"sentiment":"neutral","sentiment_score":-0.030793621712605114},{"text":"I based the mortgage over a twenty three year time frame.","start":339.11502,"end":342.89502,"sentiment":"neutral","sentiment_score":0.03459350747818297},{"text":"I did take a little bit of a stab at that just based on when you bought the property and assuming a thirty year purchase rate to begin with.","start":343.11502,"end":352.59,"sentiment":"neutral","sentiment_score":0.04325239424561632},{"text":"Cool.","start":352.88998,"end":353.38998,"sentiment":"neutral","sentiment_score":0.296737402677536},{"text":"Look at me go.","start":353.69,"end":354.75,"sentiment":"neutral","sentiment_score":0.16111445426940918}],"sentiment":"neutral","sentiment_score":0.022743624398277165,"num_words":74,"start":328.41,"end":354.75},{"sentences":[{"text":"And, obviously, I had the the interest rate of 6.38%.","start":356.81,"end":360.51,"sentiment":"neutral","sentiment_score":0.05299068503081798},{"text":"So it does give you we sorry.","start":360.88998,"end":363.525,"sentiment":"neutral","sentiment_score":-0.015671680016177043},{"text":"You are gonna be incurring interest because we're not gonna have as much sitting on the offset as what we otherwise would have.","start":363.525,"end":371.70502,"sentiment":"neutral","sentiment_score":-0.19938926074815833},{"text":"So that is the biggest, I guess, way up between the two avenues.","start":371.765,"end":375.625,"sentiment":"neutral","sentiment_score":0.3267458505355395},{"text":"This gives you more money within your superannuation funds paying and not having to pay the tax on the capital gain.","start":375.925,"end":382.43,"sentiment":"positive","sentiment_score":0.5267528529678073}],"sentiment":"neutral","sentiment_score":0.1505913251658549,"num_words":74,"start":356.81,"end":382.43},{"sentences":[{"text":"But you're gonna you're gonna have a little bit of interest, which is gonna increase those mortgage repayments for you a little bit each week.","start":383.53,"end":389.78998,"sentiment":"positive","sentiment_score":0.3791345596313477},{"text":"So yeah.","start":391.875,"end":400.595,"sentiment":"neutral","sentiment_score":0.06155902147293091},{"text":"So you you're gonna have those that those interest chart those interest amount charge.","start":400.595,"end":405.815,"sentiment":"neutral","sentiment_score":0.07236791987504278},{"text":"So I can see the the repayment amount won't change, but those interest repayments are gonna are gonna start coming back in.","start":406.18997,"end":413.40997,"sentiment":"neutral","sentiment_score":0.036760068900713865},{"text":"One second.","start":413.46997,"end":414.11,"sentiment":"neutral","sentiment_score":0.0026522940024733543}],"sentiment":"neutral","sentiment_score":0.17582552332001236,"num_words":65,"start":383.53,"end":414.11},{"sentences":[{"text":"Sorry.","start":414.11,"end":414.61,"sentiment":"neutral","sentiment_score":-0.03952230513095856},{"text":"Have a drink of water.","start":418.27,"end":419.15,"sentiment":"neutral","sentiment_score":0.07755665481090546},{"text":"Clear my throat.","start":419.15,"end":419.96997,"sentiment":"neutral","sentiment_score":-0.03417280316352844},{"text":"So yeah.","start":420.66498,"end":421.065,"sentiment":"neutral","sentiment_score":0.13619813323020935},{"text":"So it it means that where you are otherwise going to be able to pay repay that that debt off a little bit quicker because we were we were on interest, but we were on principal only, you're gonna be back towards that sort of thirty twenty three year time frame to get it paid off.","start":421.065,"end":435.78998,"sentiment":"neutral","sentiment_score":0.11885139219728964}],"sentiment":"neutral","sentiment_score":0.10707189237226301,"num_words":67,"start":414.11,"end":435.78998},{"sentences":[{"text":"So it's just gonna kind of push you back out a little bit on that front.","start":435.78998,"end":440.05,"sentiment":"neutral","sentiment_score":0.014714340679347515},{"text":"Now what we well, it's not you're not even gonna hit the full twenty three year time frame anyway because you still got majority of it offset.","start":440.19,"end":448.13,"sentiment":"neutral","sentiment_score":-0.025758167038913125},{"text":"Now what I did look at is, obviously, in I I looked at if you both did it.","start":449.915,"end":456.015,"sentiment":"neutral","sentiment_score":0.06799707354770766},{"text":"Because as I said, although Troy is not my client, I still wanted to sort of give you the information so that you guys could sort of sit down.","start":456.23502,"end":462.27,"sentiment":"neutral","sentiment_score":0.06041587144136429},{"text":"Yeah.","start":464.83,"end":465.33,"sentiment":"neutral","sentiment_score":0.17564111948013306}],"sentiment":"neutral","sentiment_score":0.029578106109421333,"num_words":91,"start":435.78998,"end":465.33},{"sentences":[{"text":"Yeah.","start":468.83,"end":469.33,"sentiment":"neutral","sentiment_score":0.1960042268037796},{"text":"And you can take it to the account, and you can have a chat with the accountant.","start":472.27,"end":474.99,"sentiment":"neutral","sentiment_score":0.23474923011792057},{"text":"Obviously, again, the accountant has the better outcome when it comes to tax planning in terms of, like, a capital gains event because he's they're gonna have the receipts for everything that you've incurred in the in the purchase and sale and, you know, if you had to mow the block of land before it got sold, whatever the case may be.","start":474.99,"end":491.71997,"sentiment":"neutral","sentiment_score":0.2561623891515116},{"text":"Whatever you did to the block.","start":491.86,"end":493.24,"sentiment":"neutral","sentiment_score":0.009817191710074743},{"text":"Yep.","start":504.995,"end":505.495,"sentiment":"neutral","sentiment_score":-0.0019433362176641824}],"sentiment":"neutral","sentiment_score":0.23133067908327512,"num_words":87,"start":468.83,"end":505.495},{"sentences":[{"text":"Yep.","start":513.65,"end":514.15,"sentiment":"neutral","sentiment_score":0.11982925981283188},{"text":"Yeah.","start":523.41003,"end":523.91003,"sentiment":"neutral","sentiment_score":0.01576704904437065},{"text":"No.","start":529.265,"end":529.765,"sentiment":"neutral","sentiment_score":-0.15323646366596222},{"text":"It's yeah.","start":532.625,"end":533.265,"sentiment":"neutral","sentiment_score":-0.007090028375387192},{"text":"No.","start":533.265,"end":533.42505,"sentiment":"neutral","sentiment_score":-0.06307150423526764}],"sentiment":"neutral","sentiment_score":-0.015815285965800285,"num_words":6,"start":513.65,"end":533.42505},{"sentences":[{"text":"And that's that's completely fair enough.","start":533.42505,"end":534.945,"sentiment":"neutral","sentiment_score":0.036982983350753784},{"text":"I I guess so the only receipts you would have is if you went through a real estate agent for the sales of the like, the sale of the property, you would have those costs that you've incurred for that sale.","start":534.945,"end":544.22003,"sentiment":"neutral","sentiment_score":0.03868441222939731},{"text":"You have your solicitor fees or the rest of it for any of the settlement stuff.","start":544.22003,"end":547.34,"sentiment":"neutral","sentiment_score":0.005854002898558974},{"text":"So that'll would all, you know, come into into play for that front.","start":547.34,"end":550.8,"sentiment":"neutral","sentiment_score":0.10765066570960559},{"text":"So it just it just gives you a representation of of the effects that your mortgage is gonna have because you if we take off out of the offset account, because we have 4 100,000 sitting in the offset account with $3.37 in the mortgage, it's gonna result in us having, like, for you, if it was it was just one of you that did it to to the full 65,000, you're looking at $42.","start":551.995,"end":572.17,"sentiment":"neutral","sentiment_score":0.049026625628272695}],"sentiment":"neutral","sentiment_score":0.04621243989557669,"num_words":151,"start":533.42505,"end":572.17},{"sentences":[{"text":"If it's both of you, it's it's, you know, a 107.","start":572.55,"end":575.21,"sentiment":"neutral","sentiment_score":-0.06820309602401474},{"text":"So it's just giving you that that 107,000 gap year.","start":576.07,"end":581.305,"sentiment":"neutral","sentiment_score":0.04446577019989491},{"text":"Now no.","start":582.805,"end":584.645,"sentiment":"neutral","sentiment_score":0.014630815014243126},{"text":"That's okay.","start":584.645,"end":585.465,"sentiment":"neutral","sentiment_score":0.06657859310507774},{"text":"Now now if you put the entire amount of the capital gain in your superannuation fund, what you're essentially doing is you are removing the capital gain event by putting it into your superannuation fund concessionally.","start":586.565,"end":601.4,"sentiment":"neutral","sentiment_score":0.008854748836408058}],"sentiment":"neutral","sentiment_score":0.0028789085259691614,"num_words":61,"start":572.55,"end":601.4},{"sentences":[{"text":"So you still have to pay tax, but it's at 15% rather than your marginal rate, which your marginal rate are both within the 3237% range.","start":601.86,"end":610.135,"sentiment":"neutral","sentiment_score":0.032870460086717054},{"text":"So we're saving anywhere from 17 to 27.","start":611.555,"end":618.695,"sentiment":"neutral","sentiment_score":0.19718367513269186},{"text":"Wow.","start":619.0,"end":619.24005,"sentiment":"neutral","sentiment_score":-0.05945337191224098},{"text":"Sorry.","start":619.24005,"end":619.64,"sentiment":"neutral","sentiment_score":-0.2542126774787903},{"text":"My math just literally died on me then.","start":619.64,"end":621.5,"sentiment":"negative","sentiment_score":-0.5964688584208488}],"sentiment":"neutral","sentiment_score":-0.060302626214582815,"num_words":44,"start":601.86,"end":621.5},{"sentences":[{"text":"78% to twenty twenty something.","start":621.80005,"end":628.46,"sentiment":"neutral","sentiment_score":-0.0929480403661728},{"text":"Wow.","start":629.08,"end":629.4,"sentiment":"negative","sentiment_score":-0.386274129152298},{"text":"That's terrible.","start":629.4,"end":630.22003,"sentiment":"negative","sentiment_score":-0.6473586559295654},{"text":"Coffee definitely definitely hasn't kicked in.","start":630.68005,"end":632.78,"sentiment":"negative","sentiment_score":-0.4536490738391876},{"text":"Yeah.","start":633.885,"end":634.28503,"sentiment":"neutral","sentiment_score":-0.0908287838101387}],"sentiment":"neutral","sentiment_score":-0.3305636579791705,"num_words":15,"start":621.80005,"end":634.28503},{"sentences":[{"text":"17 to 22%.","start":634.28503,"end":635.745,"sentiment":"neutral","sentiment_score":-0.05331674466530482},{"text":"Wow.","start":635.885,"end":636.205,"sentiment":"negative","sentiment_score":-0.3939821124076843},{"text":"That was terrible of me.","start":636.205,"end":637.245,"sentiment":"negative","sentiment_score":-0.6809420108795166},{"text":"Wow.","start":637.245,"end":637.745,"sentiment":"neutral","sentiment_score":-0.09048517048358916},{"text":"Yeah.","start":638.365,"end":638.685,"sentiment":"neutral","sentiment_score":0.03652825206518173}],"sentiment":"negative","sentiment_score":-0.36478175629268994,"num_words":11,"start":634.28503,"end":638.685},{"sentences":[{"text":"So, you know, at in the 32% bracket, you're obviously saving 17%, the difference between thirty two and fifteen, and then that's 37% tax bracket, you're saving that 22%.","start":638.685,"end":649.39996,"sentiment":"neutral","sentiment_score":0.11150786563240249},{"text":"Yeah.","start":650.98,"end":651.48,"sentiment":"neutral","sentiment_score":0.15660786628723145},{"text":"So it just it it allows you to to put more money away for you.","start":652.42,"end":656.42,"sentiment":"neutral","sentiment_score":0.3080199291308721},{"text":"Now the obvious downside is it's seven years before we can touch that money for for retirement purposes.","start":656.42,"end":665.805,"sentiment":"neutral","sentiment_score":-0.219124562624428},{"text":"So we're we are locking that money away from ourselves, which which is a little bit of a pain there, but the other I guess the positive side is it's invested in the market.","start":666.745,"end":678.15,"sentiment":"neutral","sentiment_score":-0.029467415064573288}],"sentiment":"neutral","sentiment_score":0.03159279038303906,"num_words":97,"start":638.685,"end":678.15},{"sentences":[{"text":"I've gone conservative.","start":678.37,"end":679.99,"sentiment":"neutral","sentiment_score":0.32594719529151917},{"text":"I haven't gone really aggressive with our investment because we're under that that ten year time frame, and and you you don't really have the the want to go super aggressive with it.","start":680.45,"end":690.77,"sentiment":"neutral","sentiment_score":0.08175537667491219},{"text":"So I've gone for a nice, moderate investment, but still obtaining some really good growth investment stocks.","start":690.77,"end":699.40497,"sentiment":"positive","sentiment_score":0.41029326354756074},{"text":"There's stuff that like, stocks that are gonna, you know, generate a good income, but, you know, I've divide diversified everything out really nicely.","start":699.545,"end":706.365,"sentiment":"positive","sentiment_score":0.38352909435828525},{"text":"Now I did also look, and you can you can have a look at the the mortgage in mortgage calculator.","start":708.4,"end":712.96,"sentiment":"neutral","sentiment_score":0.10593727249652148}],"sentiment":"neutral","sentiment_score":0.22653812588643782,"num_words":97,"start":678.37,"end":712.96},{"sentences":[{"text":"It's it's in the the SOA appendix.","start":712.96,"end":714.9,"sentiment":"neutral","sentiment_score":0.07598455143826348},{"text":"It's what I did was I had a look at the Perth CBD.","start":716.80005,"end":720.02,"sentiment":"neutral","sentiment_score":0.009884181002584787},{"text":"The difference between Perth and Brumbury was massive in terms of, obviously, a a distance.","start":720.70496,"end":727.125,"sentiment":"neutral","sentiment_score":-0.18348510613044103},{"text":"Yeah.","start":727.425,"end":727.925,"sentiment":"neutral","sentiment_score":0.02887922339141369},{"text":"Yeah.","start":728.305,"end":728.805,"sentiment":"neutral","sentiment_score":0.028417838737368584}],"sentiment":"neutral","sentiment_score":-0.05498900856017261,"num_words":37,"start":712.96,"end":728.805},{"sentences":[{"text":"The price is not so much, to be completely honest.","start":728.865,"end":731.365,"sentiment":"neutral","sentiment_score":-0.10235563293099403},{"text":"You know, there are there are apartments in the first CBD that are going for, you know, your 1.3, but I also found a couple that were going for, like, $5,600,000.","start":732.35004,"end":739.97003,"sentiment":"neutral","sentiment_score":0.02688614609501054},{"text":"But they were very much a little studio apartment box, so I obviously didn't go for that kind of range.","start":740.35004,"end":744.45,"sentiment":"neutral","sentiment_score":-0.15666176620870828},{"text":"So I kinda looked at something that was, like, a nice little moderate mix between.","start":744.67004,"end":748.625,"sentiment":"neutral","sentiment_score":0.18003319601217907},{"text":"Look.","start":750.125,"end":750.445,"sentiment":"neutral","sentiment_score":0.24311500787734985}],"sentiment":"neutral","sentiment_score":-0.0049312750192044615,"num_words":77,"start":728.865,"end":750.445},{"sentences":[{"text":"Not gonna lie.","start":750.445,"end":751.245,"sentiment":"neutral","sentiment_score":0.22947876652081808},{"text":"It's really cute if you wanna buy it.","start":751.245,"end":752.925,"sentiment":"positive","sentiment_score":0.5049630850553513},{"text":"No.","start":752.925,"end":753.425,"sentiment":"neutral","sentiment_score":0.07169441878795624},{"text":"I found something that was sort of in in that East West Perth portion over by the the river.","start":755.40497,"end":762.52,"sentiment":"neutral","sentiment_score":0.0644544710062052},{"text":"And we'll sort of I I looked around and and got a moderate price range of about 900,000.","start":763.46,"end":768.36,"sentiment":"neutral","sentiment_score":0.1099628210067749}],"sentiment":"neutral","sentiment_score":0.16334288012312384,"num_words":49,"start":750.445,"end":768.36},{"sentences":[{"text":"And what I did was I did a mortgage calculator up to show what that mortgage calculator would look like.","start":769.46,"end":775.385,"sentiment":"neutral","sentiment_score":0.08507699258625508},{"text":"So assumption being a $900,000 price purchase price, utilizing the equity of your PPR, a rental income of a thousand dollars, that's that was the sort of median income range for properties in that in that price range and within where I looked.","start":775.385,"end":790.97,"sentiment":"neutral","sentiment_score":0.04765033613630505},{"text":"Real estate cost of that 1.7% of the rental income, because, obviously, that's something we have to do, and interest rates are about 6.3%, which is what your current rate's at.","start":793.91,"end":803.115,"sentiment":"neutral","sentiment_score":-0.002027897389545556},{"text":"I had a look around, and that's pretty much the price range for an investment property at the moment, maybe a little bit more or less depending on, you know, obviously, all the variables that come with purchasing properties and everything like that.","start":803.755,"end":816.075,"sentiment":"neutral","sentiment_score":0.00845891016340533},{"text":"I did a thirty year time frame just to, you know, have a a decent decent gap.","start":816.075,"end":821.18,"sentiment":"neutral","sentiment_score":0.03572191955412135}],"sentiment":"neutral","sentiment_score":0.030250943220498695,"num_words":154,"start":769.46,"end":821.18},{"sentences":[{"text":"And then, you know, obviously, depending on how everything goes, the the the objective for you is seven years you wanna retire.","start":821.8,"end":830.77997,"sentiment":"neutral","sentiment_score":0.05260744436898015},{"text":"From from retirement, we want to look at from retirement, we, you know, we we also have that seven the the investment the property overseas that in seven years is gonna come up.","start":832.925,"end":847.92,"sentiment":"neutral","sentiment_score":0.06226062221509038},{"text":"So there's a cash influx from that that can also help to sort of pay a lump sum up on the investment property, and that'll give us a good sort of injection of of assets to sort of pay that off and get everything kinda happening there.","start":847.92,"end":861.525,"sentiment":"positive","sentiment_score":0.4324285990380226},{"text":"So I guess what I'm saying is moving ahead with the investment property is not unreasonable or out of out of scope.","start":861.685,"end":868.905,"sentiment":"neutral","sentiment_score":-0.052179684015837585},{"text":"It's nothing we could definitely do.","start":868.965,"end":870.825,"sentiment":"neutral","sentiment_score":0.13127039621273676}],"sentiment":"neutral","sentiment_score":0.17827521379177386,"num_words":130,"start":821.8,"end":870.825},{"sentences":[{"text":"The biggest part of it is the fact that the ink like, the interest or mortgage repayments per I I in in the calculator, you'll see it's it's the mortgage the mortgage repayments I've done yearly for you.","start":870.965,"end":887.39,"sentiment":"neutral","sentiment_score":0.2269971400107208},{"text":"So I can show you what it looks like over the full thirty years.","start":887.39,"end":889.875,"sentiment":"neutral","sentiment_score":0.25109912135771345},{"text":"I didn't wanna give you, you know, 5,000 different months.","start":889.955,"end":893.975,"sentiment":"neutral","sentiment_score":-0.0017658095224760474},{"text":"It's not, yeah, it's not quite gonna cover it.","start":904.45,"end":909.57,"sentiment":"neutral","sentiment_score":-0.24575313884350988},{"text":"So that's, I guess, probably where where the biggest gap is falling is that on a $900,000 property, if we don't put any any money down on it, we are gonna end up with about a $15,430, yeah, deficit.","start":909.57,"end":928.17505,"sentiment":"neutral","sentiment_score":-0.12393660585467632}],"sentiment":"neutral","sentiment_score":0.04616650042060593,"num_words":110,"start":870.965,"end":928.17505},{"sentences":[{"text":"Correct.","start":928.23505,"end":928.73505,"sentiment":"neutral","sentiment_score":-0.03725568950176239},{"text":"That that's gonna, you know, mean that you guys have to put money in each week, month.","start":929.49,"end":934.39,"sentiment":"neutral","sentiment_score":-0.05155269297606805},{"text":"Now if we really so they put that to to scope and look at what $15,000 is, that's $300 a week.","start":934.53,"end":943.181,"sentiment":"neutral","sentiment_score":-0.026952487815703665},{"text":"So it's not huge.","start":943.209,"end":946.205,"sentiment":"neutral","sentiment_score":-0.07889362750574946},{"text":"Yeah.","start":953.72,"end":954.22,"sentiment":"neutral","sentiment_score":-0.014924965798854828}],"sentiment":"neutral","sentiment_score":-0.041139845228330654,"num_words":44,"start":928.23505,"end":954.22},{"sentences":[{"text":"Yeah.","start":960.27997,"end":960.77997,"sentiment":"neutral","sentiment_score":0.03314213454723358},{"text":"But yes.","start":961.16,"end":964.68,"sentiment":"neutral","sentiment_score":0.04707228019833565},{"text":"Yeah.","start":964.68,"end":965.175,"sentiment":"neutral","sentiment_score":0.08351536840200424},{"text":"And pays for all the bills.","start":966.135,"end":967.095,"sentiment":"neutral","sentiment_score":0.10139319549004237},{"text":"So it's it's not it's not completely out of scope.","start":967.095,"end":969.255,"sentiment":"neutral","sentiment_score":-0.06476541259326041}],"sentiment":"neutral","sentiment_score":0.008575355517677963,"num_words":20,"start":960.27997,"end":969.255},{"sentences":[{"text":"It's just probably a a budgetary conversation as to whether it's something we can afford and then probably a little bit more of a deeper conversation with, you know, getting the broker involved, maybe doing a bit of a a refinance on the current property.","start":969.255,"end":983.11,"sentiment":"neutral","sentiment_score":-0.017457239109919302},{"text":"We obviously wanna put as much of the debt onto the investment property as possible.","start":983.11,"end":987.91,"sentiment":"neutral","sentiment_score":-0.0033629573881626133},{"text":"We we don't wanna be using any of, like, any of the money we have in a deposit on buying the property.","start":987.91,"end":995.145,"sentiment":"neutral","sentiment_score":-0.16616433300077915},{"text":"Correct.","start":997.525,"end":998.005,"sentiment":"neutral","sentiment_score":-0.007323695346713066},{"text":"Yeah.","start":998.005,"end":998.505,"sentiment":"neutral","sentiment_score":0.04228850454092026}],"sentiment":"neutral","sentiment_score":-0.05305560282847312,"num_words":84,"start":969.255,"end":998.505},{"sentences":[{"text":"Definitely.","start":999.125,"end":999.625,"sentiment":"neutral","sentiment_score":0.1671881079673767},{"text":"Yeah.","start":999.765,"end":1000.005,"sentiment":"neutral","sentiment_score":0.07287902384996414},{"text":"Because we don't wanna we don't wanna start incurring too much of it of of interest over here when we can't deduct it tax wise.","start":1000.005,"end":1006.64,"sentiment":"neutral","sentiment_score":-0.1442646612226963},{"text":"The benefits with the investment property is it becomes a deductible debt.","start":1007.18,"end":1010.62,"sentiment":"neutral","sentiment_score":0.22952502717574438},{"text":"So whilst, yes, you guys might have to put, you know, 15 and a half thousand dollars into the property each year, we have a deduction that comes off both of your incomes.","start":1010.62,"end":1019.795,"sentiment":"neutral","sentiment_score":0.1521097534533703}],"sentiment":"neutral","sentiment_score":0.061213510990556746,"num_words":72,"start":999.125,"end":1019.795},{"sentences":[{"text":"So so that becomes a bit of a benefit, and you could you know, there's a possibility that we have a bit of a tax rebate that comes in each year.","start":1020.175,"end":1025.875,"sentiment":"neutral","sentiment_score":0.1946589997218501},{"text":"Obviously, the risk with an investment property, as you guys know, if no one fills the spot, yeah, if no one fills the spot, you might have a month where you're all of a sudden having to fork out and pay for the entire mortgage repayment.","start":1026.335,"end":1038.63,"sentiment":"negative","sentiment_score":-0.36885598204706027},{"text":"There is always that risk in, you know, in proceeding with something like this.","start":1038.9299,"end":1043.59,"sentiment":"neutral","sentiment_score":-0.23700858971902303},{"text":"But if you buy a property that you're wanting to move into, something that you're going to be able to see yourself living in come retirement, then it's something that you're able to to maneuver over to once you're, you know, once you do retire.","start":1043.65,"end":1061.28,"sentiment":"neutral","sentiment_score":0.007809973673688041},{"text":"And because we have that that overseas investment property already, it just gives us that better collateral for, you know, for how we can make sure that the property is paid the property gets paid off.","start":1061.66,"end":1072.64,"sentiment":"neutral","sentiment_score":0.12229547442661391}],"sentiment":"neutral","sentiment_score":-0.05521500316383534,"num_words":172,"start":1020.175,"end":1072.64},{"sentences":[{"text":"Obviously, until until you know what the overseas part apartment is going to sell for, it's gone hard.","start":1074.8151,"end":1082.8351,"sentiment":"neutral","sentiment_score":-0.18243198841810226},{"text":"Yeah.","start":1094.99,"end":1095.49,"sentiment":"neutral","sentiment_score":-0.0954221785068512},{"text":"US dollars?","start":1115.82,"end":1116.5599,"sentiment":"neutral","sentiment_score":-0.013931724708527327},{"text":"Yep.","start":1117.34,"end":1117.84,"sentiment":"neutral","sentiment_score":0.08194242417812347},{"text":"Yep.","start":1123.595,"end":1124.095,"sentiment":"neutral","sentiment_score":0.17686808109283447}],"sentiment":"neutral","sentiment_score":-0.13688047452951255,"num_words":23,"start":1074.8151,"end":1124.095},{"sentences":[{"text":"Yep.","start":1136.09,"end":1136.59,"sentiment":"neutral","sentiment_score":0.05863438546657562},{"text":"Yeah.","start":1154.665,"end":1155.165,"sentiment":"neutral","sentiment_score":0.0255111176520586},{"text":"Okay.","start":1155.865,"end":1156.365,"sentiment":"neutral","sentiment_score":0.026397734880447388},{"text":"Yeah.","start":1165.48,"end":1165.98,"sentiment":"neutral","sentiment_score":0.007197065278887749},{"text":"The taxes.","start":1178.615,"end":1179.275,"sentiment":"neutral","sentiment_score":-0.0719958171248436}],"sentiment":"neutral","sentiment_score":-0.004375221828619639,"num_words":6,"start":1136.09,"end":1179.275},{"sentences":[{"text":"Yeah.","start":1180.215,"end":1180.715,"sentiment":"neutral","sentiment_score":-0.032323043793439865},{"text":"Yeah.","start":1188.55,"end":1189.05,"sentiment":"neutral","sentiment_score":-0.030924465507268906},{"text":"Yep.","start":1199.685,"end":1200.185,"sentiment":"neutral","sentiment_score":0.07566086202859879},{"text":"No.","start":1202.4851,"end":1202.7251,"sentiment":"neutral","sentiment_score":-0.2500108480453491},{"text":"That's okay.","start":1202.7251,"end":1203.625,"sentiment":"neutral","sentiment_score":-0.08908098563551903}],"sentiment":"neutral","sentiment_score":-0.0692932444314162,"num_words":6,"start":1180.215,"end":1203.625},{"sentences":[{"text":"So, like, if if so if we were to put into, I guess, like, if we if we were to sort of look at it as a whole I keep saying seven years because I keep getting stuck up on the fact that seven years still property sells, but it's nine years for retirement.","start":1203.8451,"end":1217.69,"sentiment":"neutral","sentiment_score":-0.02286761709385448},{"text":"In nine years' time, let's just say we will buy a property now.","start":1218.63,"end":1221.45,"sentiment":"neutral","sentiment_score":0.07618679879949643},{"text":"In nine years' time, the closing balance of the, like, money owed would be about $778,000.","start":1221.865,"end":1230.825,"sentiment":"neutral","sentiment_score":0.03632437810301781},{"text":"700 let's just say $777.07 9,000 is what we would sort of be looking at as what would be owed.","start":1230.825,"end":1237.13,"sentiment":"neutral","sentiment_score":0.05014019394293427},{"text":"So from that, what we could realistically do is the $300,000 that comes in from the sale of that property, let's just say we have to pay tax because there will be some kind of tax in some portion.","start":1237.27,"end":1249.465,"sentiment":"neutral","sentiment_score":-0.027890355732196417}],"sentiment":"neutral","sentiment_score":0.0017735712413846608,"num_words":142,"start":1203.8451,"end":1249.465},{"sentences":[{"text":"I couldn't tell you what that looks like either.","start":1249.925,"end":1251.925,"sentiment":"neutral","sentiment_score":-0.09098646955357657},{"text":"That is 100% gonna be the accountant.","start":1251.925,"end":1253.785,"sentiment":"neutral","sentiment_score":-0.06211474644286292},{"text":"But, You know, we could we could look at either just putting that straight into the the the mortgage, or we look at sort of some some debt reduction strategies.","start":1255.285,"end":1273.5751,"sentiment":"neutral","sentiment_score":0.15007394601901372},{"text":"Maybe we pop it into your superannuation fund and rinse the money that way.","start":1273.5751,"end":1279.1951,"sentiment":"neutral","sentiment_score":0.2329528374331338},{"text":"Rinsing is the the worst word I could use, but, basically, put it into your superannuation fund in a tax effective way, reduce the amount of tax that you have to pay personally.","start":1279.415,"end":1287.98,"sentiment":"neutral","sentiment_score":0.1222178614275022}],"sentiment":"neutral","sentiment_score":0.11336630194257664,"num_words":93,"start":1249.925,"end":1287.98},{"sentences":[{"text":"And then after you're 60, we can pull it out tax free.","start":1288.2,"end":1290.7799,"sentiment":"neutral","sentiment_score":0.2533375844359398},{"text":"And we can then basically pull that money out tax free and then pay it off on your mortgage that way.","start":1291.0,"end":1296.38,"sentiment":"positive","sentiment_score":0.34206075895400273},{"text":"And then, realistically, depending on what you wanna do with the property you live in right now, that could be converted into an income stream to you know, you move out of that, that becomes an investment property.","start":1296.9199,"end":1309.2451,"sentiment":"neutral","sentiment_score":0.3048215579045446},{"text":"That becomes an income stream for you guys to then have income coming in on that side, and that may be able to pay, like, the remaining of your mortgage off because, realistically, by the time you retire, the your PPR mortgage is gonna be paid off quite quite comfortably.","start":1309.2451,"end":1324.9199,"sentiment":"neutral","sentiment_score":0.178389373421669},{"text":"So it it just sort of kinda gives us that that capacity to to be able to play around with, you know, you basically being able to move into a new property and then utilizing the current mortgage as current property as a as an investment property later, letting you letting you downsize.","start":1326.4349,"end":1344.0,"sentiment":"positive","sentiment_score":0.4838182723747109}],"sentiment":"neutral","sentiment_score":0.32395622562402965,"num_words":174,"start":1288.2,"end":1344.0},{"sentences":[{"text":"Obviously, if you guys don't wanna have the investment property, then we can definitely look at, you know, how like, when we like, selling that property off, giving you a nice big injection of cash, paying off your current mortgage, and, you know, popping some of the money into superannuation or popping some of the money into sort of investment strategies to give you some, you know, just long term income.","start":1344.78,"end":1366.595,"sentiment":"neutral","sentiment_score":0.03394963752320954},{"text":"Yeah.","start":1373.95,"end":1374.45,"sentiment":"neutral","sentiment_score":-0.04365085810422897},{"text":"Yeah.","start":1375.07,"end":1375.57,"sentiment":"neutral","sentiment_score":-0.027333637699484825},{"text":"Yeah.","start":1379.405,"end":1379.905,"sentiment":"neutral","sentiment_score":-0.0815676599740982},{"text":"It is and it isn't.","start":1389.485,"end":1390.525,"sentiment":"neutral","sentiment_score":-0.09958784133195878}],"sentiment":"neutral","sentiment_score":0.02227763166721863,"num_words":79,"start":1344.78,"end":1390.525},{"sentences":[{"text":"Like, it's giving you a guaranteed 6.38% return realistically.","start":1390.525,"end":1394.82,"sentiment":"neutral","sentiment_score":0.14160972005791134},{"text":"Whilst it's not making money, it is guaranteeing that you're not paying 6.38%.","start":1395.2799,"end":1400.4199,"sentiment":"neutral","sentiment_score":-0.14559613426144308},{"text":"It's also guaranteeing that you're paying your mortgage off in shorter than the original thirty year time frame because you're paying more off the principal than you are in interest.","start":1400.96,"end":1410.055,"sentiment":"neutral","sentiment_score":-0.0036215887094537417},{"text":"Correct.","start":1421.49,"end":1421.99,"sentiment":"neutral","sentiment_score":0.03329586982727051},{"text":"No.","start":1430.45,"end":1430.69,"sentiment":"neutral","sentiment_score":-0.20155885815620425}],"sentiment":"neutral","sentiment_score":-0.01657727619426118,"num_words":54,"start":1390.525,"end":1430.69},{"sentences":[{"text":"You wouldn't.","start":1430.69,"end":1431.35,"sentiment":"neutral","sentiment_score":-0.1773698329925537},{"text":"It's a PPR.","start":1431.49,"end":1432.2899,"sentiment":"neutral","sentiment_score":-0.040945002188285194},{"text":"It's a it's a primary place of residence, and you would pay no capital gains at all.","start":1432.2899,"end":1437.275,"sentiment":"neutral","sentiment_score":0.01635259828146766},{"text":"So you don't pay capital gains on a yeah.","start":1437.655,"end":1440.0549,"sentiment":"neutral","sentiment_score":0.04341602408223682},{"text":"It's it's tax free.","start":1440.0549,"end":1441.355,"sentiment":"neutral","sentiment_score":0.20260793343186378}],"sentiment":"neutral","sentiment_score":0.028617012820073538,"num_words":35,"start":1430.69,"end":1441.355},{"sentences":[{"text":"Obviously, you start to pay for all the sales costs, real estate agents, solicitor, and all the rest of the stuff.","start":1441.575,"end":1446.235,"sentiment":"neutral","sentiment_score":0.09463780692645482},{"text":"No.","start":1459.2051,"end":1459.7051,"sentiment":"neutral","sentiment_score":-0.1086372137069702},{"text":"It it it does, but there's a six year rule.","start":1459.845,"end":1461.925,"sentiment":"neutral","sentiment_score":-0.02745936028659344},{"text":"So it'll it allows you to actually yeah.","start":1461.925,"end":1464.805,"sentiment":"neutral","sentiment_score":0.025289387675002217},{"text":"There's a there's a sneaky cheeky little rule.","start":1464.805,"end":1467.145,"sentiment":"neutral","sentiment_score":-0.10324608022347093}],"sentiment":"neutral","sentiment_score":0.020427283093643684,"num_words":48,"start":1441.575,"end":1467.145},{"sentences":[{"text":"Yeah.","start":1480.26,"end":1480.76,"sentiment":"neutral","sentiment_score":-0.06699953973293304},{"text":"Yeah.","start":1485.395,"end":1485.875,"sentiment":"neutral","sentiment_score":-0.07321672141551971},{"text":"No.","start":1485.875,"end":1486.375,"sentiment":"neutral","sentiment_score":-0.20111975073814392},{"text":"Yeah.","start":1498.37,"end":1498.87,"sentiment":"neutral","sentiment_score":0.19787144660949707},{"text":"So it lets us do everything we wanna do.","start":1501.0099,"end":1503.09,"sentiment":"positive","sentiment_score":0.46600540147887337}],"sentiment":"neutral","sentiment_score":0.3115833883102124,"num_words":13,"start":1480.26,"end":1503.09},{"sentences":[{"text":"I think the the biggest thing and and something you definitely definitely need to talk to Tory about is whether we're willing to take from the offset, which means we're gonna run off a bit of interest, paying a little bit less on the on the on the cap on the principal capital of the loan, but we're gonna avoid that CGT, which, realistically, the CGT is a straight out you just pay the tax man.","start":1503.09,"end":1527.6799,"sentiment":"neutral","sentiment_score":-0.10394788244249005},{"text":"Yep.","start":1535.26,"end":1535.76,"sentiment":"neutral","sentiment_score":0.10873832553625108},{"text":"It'd be the same.","start":1539.6051,"end":1540.405,"sentiment":"neutral","sentiment_score":0.09608136303722858},{"text":"It's the exact same.","start":1540.405,"end":1541.365,"sentiment":"neutral","sentiment_score":0.12091699615120888},{"text":"So what it comes down to 130.","start":1541.365,"end":1546.905,"sentiment":"neutral","sentiment_score":0.06633502564259938}],"sentiment":"neutral","sentiment_score":-0.07020611004175051,"num_words":92,"start":1503.09,"end":1546.905},{"sentences":[{"text":"Total.","start":1547.125,"end":1547.625,"sentiment":"neutral","sentiment_score":0.06779489666223526},{"text":"Yep.","start":1548.0851,"end":1548.5851,"sentiment":"neutral","sentiment_score":0.13266749680042267},{"text":"Yep.","start":1553.64,"end":1554.14,"sentiment":"neutral","sentiment_score":0.180669829249382},{"text":"Yep.","start":1561.095,"end":1561.595,"sentiment":"neutral","sentiment_score":0.19309350848197937},{"text":"Well, that should.","start":1562.215,"end":1563.015,"sentiment":"neutral","sentiment_score":0.2435918152332306}],"sentiment":"neutral","sentiment_score":0.18642873955624445,"num_words":7,"start":1547.125,"end":1563.015},{"sentences":[{"text":"So so what it comes down to and what the strategy realistically is is whatever the accountant calculates the capital gain as being is what you contribute.","start":1563.015,"end":1571.675,"sentiment":"neutral","sentiment_score":0.13757907626805482},{"text":"You roles.","start":1574.63,"end":1578.65,"sentiment":"neutral","sentiment_score":0.028138629160821438},{"text":"Yeah.","start":1578.87,"end":1579.1901,"sentiment":"neutral","sentiment_score":0.03290306031703949},{"text":"So you you have to because I know you said that you had a meeting with your accountant within the next week or so.","start":1579.1901,"end":1584.09,"sentiment":"neutral","sentiment_score":0.04031507003431519},{"text":"Yeah.","start":1589.915,"end":1590.3151,"sentiment":"neutral","sentiment_score":0.05850594490766525}],"sentiment":"neutral","sentiment_score":0.0878160546110435,"num_words":55,"start":1563.015,"end":1590.3151},{"sentences":[{"text":"So meeting with the accountant, getting that CGT calculation done up.","start":1590.3151,"end":1594.5751,"sentiment":"neutral","sentiment_score":0.07217680222608826},{"text":"Once you have the calculation done up, 100% give me a call.","start":1594.715,"end":1597.675,"sentiment":"neutral","sentiment_score":0.12443669512867928},{"text":"I wanna talk to I wanna talk to you about it.","start":1597.675,"end":1600.14,"sentiment":"neutral","sentiment_score":0.11391461979259145},{"text":"That will then give us the ability to know exactly what it is we put in.","start":1600.7001,"end":1604.86,"sentiment":"neutral","sentiment_score":0.10910466033965349},{"text":"So it might not be 65 flat, but it being, like, $64.03 25 or something.","start":1604.86,"end":1610.08,"sentiment":"neutral","sentiment_score":0.07244298060735067}],"sentiment":"neutral","sentiment_score":0.09803946551222067,"num_words":65,"start":1590.3151,"end":1610.08},{"sentences":[{"text":"But that just gives you the the capacity to be able to totally offset need to pay anything.","start":1611.34,"end":1617.035,"sentiment":"neutral","sentiment_score":0.1920134172671371},{"text":"You obviously still pay your marginal rate.","start":1617.175,"end":1619.3351,"sentiment":"neutral","sentiment_score":0.14147542949233735},{"text":"So you've, you know, you've earned $80 for the year.","start":1619.3351,"end":1621.675,"sentiment":"neutral","sentiment_score":0.16985969692468644},{"text":"Your employer yeah.","start":1621.895,"end":1624.135,"sentiment":"neutral","sentiment_score":-0.024791489044825237},{"text":"You still pay your normal tax.","start":1624.135,"end":1625.3351,"sentiment":"neutral","sentiment_score":-0.004938119401534398}],"sentiment":"neutral","sentiment_score":0.13729916597631844,"num_words":44,"start":1611.34,"end":1625.3351},{"sentences":[{"text":"We're not we're not offsetting anything there, but you just you you're not gonna have a CGT bill.","start":1625.3351,"end":1631.37,"sentiment":"neutral","sentiment_score":-0.09871864574961364},{"text":"Yeah.","start":1637.93,"end":1638.43,"sentiment":"neutral","sentiment_score":0.24870005249977112},{"text":"Yeah.","start":1640.65,"end":1641.15,"sentiment":"neutral","sentiment_score":0.19043967127799988},{"text":"Yeah.","start":1645.625,"end":1646.025,"sentiment":"neutral","sentiment_score":0.06437385827302933},{"text":"And, I mean, the other option is is if Troy's uncomfortable with putting that much money in or taking that much away from the offset, like, for example, if, you know, Troy wanted to keep the house fully offset, you know, you could do part thereof.","start":1646.025,"end":1659.245,"sentiment":"neutral","sentiment_score":-0.018226007849949856}],"sentiment":"neutral","sentiment_score":-0.03151967764984983,"num_words":67,"start":1625.3351,"end":1659.245},{"sentences":[{"text":"So, theoretically, there's $23,000 roughly sitting in a gap between what, you know, what you have in the in the offset account, the 400 versus what the mortgage is being $3.37.","start":1659.44,"end":1670.7999,"sentiment":"neutral","sentiment_score":0.05497907084082403},{"text":"So the 23,000 dollars, you could just split that pretty even like, evenly between the two of you, pop in about 11 and a half each.","start":1670.7999,"end":1676.635,"sentiment":"neutral","sentiment_score":0.1806476995922052},{"text":"It means that you're not you're not having to pay the capital gain on that 11 and a like, 11 and a half each.","start":1676.775,"end":1682.395,"sentiment":"neutral","sentiment_score":0.14543197195356092},{"text":"So you could you could part we could definitely part thereof it.","start":1682.855,"end":1685.495,"sentiment":"neutral","sentiment_score":0.17989281937479973},{"text":"It just depends on which is, you know, as I was saying on Monday, a little bit of a hard hard part is that this is obviously very contingent on how comfortable Troy is.","start":1685.495,"end":1694.47,"sentiment":"neutral","sentiment_score":-0.013419064200099777}],"sentiment":"neutral","sentiment_score":0.09129153040978383,"num_words":127,"start":1659.44,"end":1694.47},{"sentences":[{"text":"And I'm very much more than happy to have a conversation with yourself and Troy, you know, next week, but, you know, before like, after sorry.","start":1694.47,"end":1702.665,"sentiment":"neutral","sentiment_score":0.12071832634795171},{"text":"Not after after you meet with the accountant to talk through where things sit because it does very much, you know, affect him.","start":1702.665,"end":1711.405,"sentiment":"neutral","sentiment_score":0.0033230909510799074},{"text":"Yeah.","start":1713.98,"end":1714.48,"sentiment":"neutral","sentiment_score":0.012011787854135036},{"text":"No.","start":1718.94,"end":1719.44,"sentiment":"neutral","sentiment_score":-0.09003077447414398},{"text":"Absolutely.","start":1723.9,"end":1724.4,"sentiment":"neutral","sentiment_score":0.13347110152244568}],"sentiment":"neutral","sentiment_score":0.06289537868892345,"num_words":52,"start":1694.47,"end":1724.4},{"sentences":[{"text":"How about what I'll do right now is I'll send you an email.","start":1724.5399,"end":1726.78,"sentiment":"neutral","sentiment_score":0.07706041691394952},{"text":"That way you have my direct email address, and you have my contact number on there as well.","start":1726.78,"end":1732.4349,"sentiment":"neutral","sentiment_score":0.0793885069174899},{"text":"So you can always give the office a call, or you can just send me an email and schedule in an appointment for you and Troy.","start":1732.4349,"end":1739.4149,"sentiment":"neutral","sentiment_score":0.16586491093039513},{"text":"Yeah.","start":1747.33,"end":1747.83,"sentiment":"neutral","sentiment_score":0.20827960968017575},{"text":"Yep.","start":1751.89,"end":1752.39,"sentiment":"neutral","sentiment_score":0.3094692826271057}],"sentiment":"neutral","sentiment_score":0.12306805289650367,"num_words":59,"start":1724.5399,"end":1752.39},{"sentences":[{"text":"100%.","start":1752.855,"end":1753.575,"sentiment":"positive","sentiment_score":0.3515436053276062},{"text":"So I'm gonna I can start getting everything rolling slowly.","start":1753.575,"end":1757.355,"sentiment":"positive","sentiment_score":0.37667541205883026},{"text":"Obviously, there's no no contributions that will you know, we won't make the lump sum contribution.","start":1757.655,"end":1762.075,"sentiment":"neutral","sentiment_score":-0.02695935545489192},{"text":"I can't just reach into your bank account and grab it.","start":1762.135,"end":1764.5549,"sentiment":"neutral","sentiment_score":-0.07288295199925249},{"text":"But we we can definitely have a conversation in, say, a week or two's time.","start":1766.41,"end":1770.75,"sentiment":"neutral","sentiment_score":0.23444127043088278}],"sentiment":"neutral","sentiment_score":0.12078970986998307,"num_words":53,"start":1752.855,"end":1770.75},{"sentences":[{"text":"You let me know the date and time, and and we can just make sure we iron out that exact detail as to how much you guys are comfortable contributing.","start":1771.13,"end":1778.405,"sentiment":"neutral","sentiment_score":0.15451888764897984},{"text":"I can have a chat with Troy.","start":1778.405,"end":1779.865,"sentiment":"neutral","sentiment_score":0.18625819895948684},{"text":"We can, you know, have a chat about the sort of budgetary constraints that you guys might run into from, you know, purchasing an investment property, where we really sit comfort wise with our money, and what that might look like for us together as well.","start":1779.9249,"end":1793.82,"sentiment":"neutral","sentiment_score":0.142706791019958},{"text":"Yeah.","start":1796.2999,"end":1796.7,"sentiment":"neutral","sentiment_score":0.22434058785438535},{"text":"Perfect.","start":1796.7,"end":1797.2,"sentiment":"positive","sentiment_score":0.4394236207008362}],"sentiment":"neutral","sentiment_score":0.15491353667834226,"num_words":85,"start":1771.13,"end":1797.2},{"sentences":[{"text":"Yeah.","start":1798.0599,"end":1798.38,"sentiment":"neutral","sentiment_score":0.08944489061832428},{"text":"And and then if no.","start":1798.38,"end":1802.0599,"sentiment":"neutral","sentiment_score":0.04627122133970261},{"text":"You're okay.","start":1802.0599,"end":1802.46,"sentiment":"neutral","sentiment_score":0.008399289101362228},{"text":"I was gonna say, and then if we wanna start, like, making a move, I can connect you with my broker.","start":1802.46,"end":1807.2,"sentiment":"neutral","sentiment_score":0.10506542381786164},{"text":"She would be able to look at, you know, a, your your primary place as well.","start":1807.8999,"end":1811.995,"sentiment":"neutral","sentiment_score":0.141531384550035}],"sentiment":"neutral","sentiment_score":0.10685501396656036,"num_words":45,"start":1798.0599,"end":1811.995},{"sentences":[{"text":"Like, it's always good to go through and make sure that you're getting the a decent rate, especially if you're gonna go and buy another property.","start":1811.995,"end":1817.9149,"sentiment":"neutral","sentiment_score":0.19765570358588144},{"text":"If you have two mortgages back to back, then then, you know, you can definitely get a better rate.","start":1817.9149,"end":1825.23,"sentiment":"neutral","sentiment_score":0.22419443216763044},{"text":"And and just make sure that everything's sitting nicely and we can you know, what our serviceability looks like, obviously, confirm the interest rate, and we can, like, kinda go from there as to where we're gonna look.","start":1826.89,"end":1836.515,"sentiment":"neutral","sentiment_score":0.1749267590869414},{"text":"And then, you know, maybe, fingers crossed, start looking for a property.","start":1836.515,"end":1840.055,"sentiment":"neutral","sentiment_score":0.11145240378876527},{"text":"Correct.","start":1856.2899,"end":1856.7699,"sentiment":"neutral","sentiment_score":0.11287884414196014}],"sentiment":"neutral","sentiment_score":0.18225278165967515,"num_words":96,"start":1811.995,"end":1856.7699},{"sentences":[{"text":"Yeah.","start":1856.7699,"end":1857.09,"sentiment":"neutral","sentiment_score":0.11709759384393692},{"text":"So I had a look at insurances available within, like, the retail market and where everything fits.","start":1857.09,"end":1865.275,"sentiment":"neutral","sentiment_score":0.17457333513919046},{"text":"And Yeah.","start":1865.895,"end":1866.795,"sentiment":"neutral","sentiment_score":0.1868472397327423},{"text":"I wanna keep your HESTA account open to keep your insurance in place.","start":1866.935,"end":1871.975,"sentiment":"neutral","sentiment_score":0.32080815388606143},{"text":"I don't wanna close it.","start":1871.975,"end":1873.015,"sentiment":"neutral","sentiment_score":-0.05145428031682968}],"sentiment":"neutral","sentiment_score":0.19399403604237656,"num_words":38,"start":1856.7699,"end":1873.015},{"sentences":[{"text":"I think it's still, whilst it might only be a limited benefit, I still I still think it's a it's an important benefit to have.","start":1873.015,"end":1880.77,"sentiment":"neutral","sentiment_score":0.24795493334531785},{"text":"The life insurance policy covers yourself it covers covers the mortgage, like, nicely.","start":1880.77,"end":1887.855,"sentiment":"positive","sentiment_score":0.42936185002326965},{"text":"It gives a nice cash injection if anything happens to you.","start":1887.855,"end":1890.735,"sentiment":"positive","sentiment_score":0.5797739056023684},{"text":"So that way none of none of our, you know, life goals are gonna be affected.","start":1890.735,"end":1894.115,"sentiment":"neutral","sentiment_score":0.30344852432608604},{"text":"And and then the the income protection is important from an ongoing cost perspective.","start":1895.135,"end":1901.795,"sentiment":"neutral","sentiment_score":0.09758575207420758}],"sentiment":"neutral","sentiment_score":0.30860085144073146,"num_words":79,"start":1873.015,"end":1901.795},{"sentences":[{"text":"I could not meet any of those prices in the market.","start":1902.51,"end":1906.03,"sentiment":"neutral","sentiment_score":-0.15975371341813693},{"text":"I was looking at a few more grand per year because currently you pay about 3,700.","start":1906.03,"end":1911.17,"sentiment":"neutral","sentiment_score":-0.08166625630110502},{"text":"I was looking at a a bit higher.","start":1911.55,"end":1914.4501,"sentiment":"neutral","sentiment_score":-0.03266052482649684},{"text":"Yeah.","start":1920.555,"end":1921.055,"sentiment":"neutral","sentiment_score":-0.03790502995252609},{"text":"So yeah.","start":1924.555,"end":1925.1151,"sentiment":"neutral","sentiment_score":-0.07251837849617004}],"sentiment":"neutral","sentiment_score":-0.09232044563089546,"num_words":38,"start":1902.51,"end":1925.1151},{"sentences":[{"text":"So I I didn't wanna affect you know, I didn't wanna increase the cost of our insurance because it makes absolutely no sense to do.","start":1925.1151,"end":1932.0499,"sentiment":"neutral","sentiment_score":-0.30203429877758026},{"text":"So what what I wanna do is I wanna basically leave HESTA exactly where it is.","start":1932.51,"end":1936.5299,"sentiment":"neutral","sentiment_score":-0.02814343210775405},{"text":"I don't wanna change the investment because I don't wanna take on more risk in the investment pool.","start":1936.99,"end":1941.57,"sentiment":"neutral","sentiment_score":-0.18000142607423994},{"text":"I'm happy with where it currently sits from an investment position, but we're just gonna leave a little bit in the account to just kind of keep it ticking, and it basically becomes an insurance it becomes an insurance paying bank account.","start":1941.885,"end":1952.625,"sentiment":"neutral","sentiment_score":0.09328882680052802},{"text":"So if anything happens to you, we have that insurance sitting there.","start":1952.765,"end":1955.67,"sentiment":"neutral","sentiment_score":-0.02543798430512349}],"sentiment":"neutral","sentiment_score":-0.06750710742070085,"num_words":113,"start":1925.1151,"end":1955.67},{"sentences":[{"text":"Yeah.","start":1957.91,"end":1958.41,"sentiment":"neutral","sentiment_score":0.0414726585149765},{"text":"Yep.","start":1963.99,"end":1964.49,"sentiment":"neutral","sentiment_score":0.021099111065268517},{"text":"Nope.","start":1970.005,"end":1970.3251,"sentiment":"neutral","sentiment_score":-0.06989362835884094},{"text":"So what we do is we, yeah, we we keep it with Hester.","start":1970.3251,"end":1973.7051,"sentiment":"neutral","sentiment_score":0.01857227344925587},{"text":"So that way, we meet Hester's requirement, the legislative requirements to have the account active and receiving contributions because we don't wanna your insurance still lapse.","start":1974.005,"end":1983.81,"sentiment":"neutral","sentiment_score":0.02995063063616936}],"sentiment":"neutral","sentiment_score":0.024115097442907945,"num_words":42,"start":1957.91,"end":1983.81},{"sentences":[{"text":"We wanna keep it in place until we decide to close it.","start":1983.81,"end":1986.79,"sentiment":"neutral","sentiment_score":0.012706239707767963},{"text":"And we yeah.","start":1987.49,"end":1989.49,"sentiment":"neutral","sentiment_score":0.08012284835179646},{"text":"And we would just do rollovers.","start":1989.49,"end":1990.87,"sentiment":"neutral","sentiment_score":0.08883457506696384},{"text":"So I would move majority of the money.","start":1991.17,"end":1992.77,"sentiment":"neutral","sentiment_score":0.1307370439171791},{"text":"I would invest the majority of the money, and we just do rollovers every annum to just keep that balance to, you know, a nice minimum and just chop up where we're at from a from an investment point of view.","start":1992.77,"end":2004.2949,"sentiment":"neutral","sentiment_score":0.16347472878491007}],"sentiment":"neutral","sentiment_score":0.12391730147813047,"num_words":70,"start":1983.81,"end":2004.2949},{"sentences":[{"text":"Yeah.","start":2009.89,"end":2010.39,"sentiment":"neutral","sentiment_score":0.005965437740087509},{"text":"Yeah.","start":2019.89,"end":2020.39,"sentiment":"neutral","sentiment_score":0.07718625664710999},{"text":"Yeah.","start":2020.53,"end":2020.77,"sentiment":"neutral","sentiment_score":0.06989528238773346},{"text":"Just it's just it's just gonna pull along from a it's it's just gonna hold hold your insurance, really.","start":2020.77,"end":2025.6849,"sentiment":"neutral","sentiment_score":0.03263043161285551},{"text":"Yeah.","start":2028.945,"end":2029.445,"sentiment":"neutral","sentiment_score":0.022347714751958847}],"sentiment":"neutral","sentiment_score":0.03458143009439758,"num_words":23,"start":2009.89,"end":2029.445},{"sentences":[{"text":"Yeah.","start":2042.0,"end":2042.4,"sentiment":"neutral","sentiment_score":0.04137209802865982},{"text":"So so with with the two with the two super funds, you can still you can still have your your logins.","start":2042.4,"end":2046.98,"sentiment":"neutral","sentiment_score":0.11437349376224336},{"text":"Each year, we would do a a a conversation much like what we've kind of done over the last couple of calls, where I would touch base with you, have a conversation, make sure that everything's kosher, see where we're at, see where whether we need any more advice or we're ready to move on something that we've talked about previously.","start":2047.68,"end":2062.6748,"sentiment":"neutral","sentiment_score":0.1530028298863622},{"text":"And then I would go away, do any research that may need to happen, put together a a statement of advice document, and then present to you the plan of action from there.","start":2063.4548,"end":2072.79,"sentiment":"neutral","sentiment_score":0.16663300426620425},{"text":"And we would do that every annum, and I would give you a full update as to where things are at.","start":2073.1702,"end":2077.09,"sentiment":"positive","sentiment_score":0.3396219951765878}],"sentiment":"neutral","sentiment_score":0.1781557600700507,"num_words":137,"start":2042.0,"end":2077.09},{"sentences":[{"text":"I send you statements for for for the like, reporting on both of the accounts.","start":2077.09,"end":2081.1902,"sentiment":"neutral","sentiment_score":0.2812842965126038},{"text":"So that way you have everything you need.","start":2081.345,"end":2083.4448,"sentiment":"positive","sentiment_score":0.3902789279818535},{"text":"No.","start":2087.1848,"end":2087.6848,"sentiment":"neutral","sentiment_score":-0.2549420893192291},{"text":"You're okay.","start":2087.7449,"end":2088.4849,"sentiment":"neutral","sentiment_score":-0.13106803223490715},{"text":"Yeah.","start":2106.335,"end":2106.7349,"sentiment":"neutral","sentiment_score":-0.1270897388458252}],"sentiment":"neutral","sentiment_score":0.24804918440403761,"num_words":27,"start":2077.09,"end":2106.7349},{"sentences":[{"text":"No.","start":2106.7349,"end":2107.2349,"sentiment":"neutral","sentiment_score":-0.26390695571899414},{"text":"I get it.","start":2107.295,"end":2108.115,"sentiment":"neutral","sentiment_score":-0.17337713142236075},{"text":"Yeah.","start":2115.615,"end":2116.115,"sentiment":"neutral","sentiment_score":0.03701735660433769},{"text":"Yeah.","start":2119.23,"end":2119.47,"sentiment":"neutral","sentiment_score":0.09184664487838744},{"text":"No.","start":2119.47,"end":2119.87,"sentiment":"neutral","sentiment_score":0.08613365143537521}],"sentiment":"neutral","sentiment_score":-0.081291528152568,"num_words":7,"start":2106.7349,"end":2119.87},{"sentences":[{"text":"You you'll be able to have you'll be able to have, like, a a full full app app access application.","start":2119.87,"end":2126.85,"sentiment":"neutral","sentiment_score":0.1730441652238369},{"text":"So you can download an app on your phone, you can log in, and you can check it yourself.","start":2126.9102,"end":2130.045,"sentiment":"neutral","sentiment_score":0.13782864377686851},{"text":"Yeah.","start":2134.525,"end":2135.025,"sentiment":"neutral","sentiment_score":-0.12145791947841644},{"text":"Yeah.","start":2151.5,"end":2151.9001,"sentiment":"neutral","sentiment_score":0.07034697383642197},{"text":"Absolutely.","start":2151.9001,"end":2152.4001,"sentiment":"neutral","sentiment_score":0.08896142244338989}],"sentiment":"neutral","sentiment_score":0.14565423840568179,"num_words":42,"start":2119.87,"end":2152.4001},{"sentences":[{"text":"No.","start":2158.9548,"end":2159.275,"sentiment":"neutral","sentiment_score":-0.0759778767824173},{"text":"That's that's pretty much everything.","start":2159.275,"end":2160.635,"sentiment":"neutral","sentiment_score":0.06945780366659164},{"text":"I think the the biggest I I guess the the probably the the next steps that's that's probably most applicable is just confirming whether you would want me to me and my team to give you a call next week to kinda go through the welcome call.","start":2160.635,"end":2175.64,"sentiment":"neutral","sentiment_score":0.23458860180479416},{"text":"So it's just sort of where we we step things out a little, like, a little bit slowly and just kinda talk you through the implementation of everything, And we start implementing all the the advice that we've gone through.","start":2175.64,"end":2186.185,"sentiment":"neutral","sentiment_score":0.22604612708091737},{"text":"So, you know, making sure that we're sending you mail and explaining that, you know, beneficiary documents and everything that needs to be filled out there and just going through everything from a, you know, implementation point of view.","start":2186.185,"end":2196.57,"sentiment":"neutral","sentiment_score":0.20062231425291452}],"sentiment":"neutral","sentiment_score":0.21335674822330475,"num_words":132,"start":2158.9548,"end":2196.57},{"sentences":[{"text":"So I'm I'm happy to get my team to give you a call next week, say, mid to late next week.","start":2196.8901,"end":2202.25,"sentiment":"positive","sentiment_score":0.6486751437187195},{"text":"Is it Wednesday, Thursday?","start":2202.25,"end":2203.3901,"sentiment":"neutral","sentiment_score":0.0677943229675293},{"text":"Yeah.","start":2209.065,"end":2209.565,"sentiment":"neutral","sentiment_score":0.1129787266254425},{"text":"Yeah.","start":2223.48,"end":2223.98,"sentiment":"neutral","sentiment_score":0.03608741983771324},{"text":"Yeah.","start":2229.08,"end":2229.58,"sentiment":"neutral","sentiment_score":0.07722169160842896}],"sentiment":"positive","sentiment_score":0.5042729695726719,"num_words":28,"start":2196.8901,"end":2229.58},{"sentences":[{"text":"Yes.","start":2229.9602,"end":2230.4402,"sentiment":"neutral","sentiment_score":0.06877988576889038},{"text":"Two hours.","start":2230.4402,"end":2231.1802,"sentiment":"neutral","sentiment_score":0.041464198380708694},{"text":"Yep.","start":2238.295,"end":2238.795,"sentiment":"neutral","sentiment_score":0.012462599202990532},{"text":"Oh, me too.","start":2241.255,"end":2242.635,"sentiment":"neutral","sentiment_score":0.0034583148856957755},{"text":"No.","start":2249.3499,"end":2249.5098,"sentiment":"neutral","sentiment_score":-0.2906285524368286}],"sentiment":"neutral","sentiment_score":-0.014510340755805373,"num_words":8,"start":2229.9602,"end":2249.5098},{"sentences":[{"text":"It's not.","start":2249.5098,"end":2250.23,"sentiment":"neutral","sentiment_score":-0.2442207932472229},{"text":"Two 02:00 is 04:00, and that is fine.","start":2250.23,"end":2252.7898,"sentiment":"neutral","sentiment_score":0.03607724216999486},{"text":"We're in the office till 7PM our time, which is 5PM your time.","start":2252.7898,"end":2257.0498,"sentiment":"neutral","sentiment_score":0.03311060755871809},{"text":"Perfect.","start":2263.1948,"end":2263.6948,"sentiment":"positive","sentiment_score":0.5840973854064941},{"text":"Okay.","start":2266.875,"end":2267.375,"sentiment":"neutral","sentiment_score":0.16831916570663452}],"sentiment":"neutral","sentiment_score":0.03932123200967908,"num_words":25,"start":2249.5098,"end":2267.375},{"sentences":[{"text":"Perfect.","start":2271.61,"end":2272.11,"sentiment":"positive","sentiment_score":0.44196176528930664},{"text":"02:30PM, February time, Thursday, twenty third.","start":2272.97,"end":2278.19,"sentiment":"neutral","sentiment_score":0.11426794404784839},{"text":"I love no.","start":2290.905,"end":2292.025,"sentiment":"neutral","sentiment_score":0.10163187980651855},{"text":"Absolutely perfect.","start":2292.025,"end":2293.005,"sentiment":"positive","sentiment_score":0.7411238849163055},{"text":"And, hopefully, by the the time Thursday rolls around, you've had a chance to meet with the accountant too, so I can grab the figures off you.","start":2293.305,"end":2300.95,"sentiment":"neutral","sentiment_score":0.2789376035884575}],"sentiment":"neutral","sentiment_score":0.2678468752747927,"num_words":39,"start":2271.61,"end":2300.95},{"sentences":[{"text":"Yep.","start":2310.375,"end":2310.6948,"sentiment":"neutral","sentiment_score":0.10478359460830688},{"text":"I'm sending you an email so you'll be able to respond.","start":2310.6948,"end":2312.855,"sentiment":"neutral","sentiment_score":0.15297785130414096},{"text":"And then my phone number, our website, our address are all in my signature, so you'll be able to reach out to me anytime you need to.","start":2312.855,"end":2321.8398,"sentiment":"neutral","sentiment_score":0.1140435826447275},{"text":"I sent it through to you.","start":2328.94,"end":2330.48,"sentiment":"neutral","sentiment_score":-0.010450347637136778},{"text":"Yeah.","start":2333.915,"end":2334.415,"sentiment":"neutral","sentiment_score":0.036169782280921936}],"sentiment":"neutral","sentiment_score":0.10522139971346958,"num_words":46,"start":2310.375,"end":2334.415},{"sentences":[{"text":"Oh, really?","start":2340.155,"end":2340.895,"sentiment":"neutral","sentiment_score":0.012352126650512217},{"text":"I I guess I guess it is a bit weird because it's like, oh, not really.","start":2348.6602,"end":2353.56,"sentiment":"neutral","sentiment_score":-0.1083326363004744},{"text":"It's equally weird.","start":2355.54,"end":2356.44,"sentiment":"neutral","sentiment_score":-0.09218491117159526},{"text":"I have one too.","start":2366.475,"end":2367.615,"sentiment":"neutral","sentiment_score":0.04561049956828356},{"text":"Yeah.","start":2375.07,"end":2375.57,"sentiment":"neutral","sentiment_score":0.03659189119935036}],"sentiment":"neutral","sentiment_score":-0.06792841429034105,"num_words":26,"start":2340.155,"end":2375.57},{"sentences":[{"text":"Yes.","start":2390.605,"end":2391.105,"sentiment":"neutral","sentiment_score":0.2354291081428528},{"text":"No.","start":2393.1,"end":2393.34,"sentiment":"neutral","sentiment_score":-0.02555038779973984},{"text":"I get it.","start":2393.34,"end":2393.6602,"sentiment":"neutral","sentiment_score":-0.03722637767593066},{"text":"I I have a joint one too.","start":2393.6602,"end":2394.86,"sentiment":"neutral","sentiment_score":0.018785021400877407},{"text":"It's where all the bills go.","start":2394.86,"end":2396.24,"sentiment":"neutral","sentiment_score":0.03158546332269907}],"sentiment":"neutral","sentiment_score":0.02328930650320318,"num_words":18,"start":2390.605,"end":2396.24},{"sentences":[{"text":"Yeah.","start":2419.6099,"end":2419.8499,"sentiment":"neutral","sentiment_score":0.06388041377067566},{"text":"Absolutely.","start":2419.8499,"end":2420.3499,"sentiment":"neutral","sentiment_score":0.09882021695375444},{"text":"No.","start":2420.5698,"end":2420.8098,"sentiment":"neutral","sentiment_score":0.020435228943824768},{"text":"Perfect.","start":2420.8098,"end":2421.21,"sentiment":"neutral","sentiment_score":0.220057874917984},{"text":"You should have an email from me now.","start":2421.21,"end":2422.65,"sentiment":"neutral","sentiment_score":0.09440933866426349}],"sentiment":"neutral","sentiment_score":0.09653903699169557,"num_words":12,"start":2419.6099,"end":2422.65},{"sentences":[{"text":"I pressed send a couple minutes ago.","start":2422.65,"end":2424.5098,"sentiment":"neutral","sentiment_score":0.023707549486841475},{"text":"So yeah.","start":2426.25,"end":2427.3098,"sentiment":"neutral","sentiment_score":0.011362612247467041},{"text":"It just says hi.","start":2428.41,"end":2429.5498,"sentiment":"neutral","sentiment_score":-0.016753381118178368},{"text":"Rejected.","start":2434.4849,"end":2434.9849,"sentiment":"neutral","sentiment_score":-0.2508920133113861},{"text":"I love no.","start":2446.74,"end":2455.1401,"sentiment":"neutral","sentiment_score":0.13378999630610147}],"sentiment":"neutral","sentiment_score":0.016008383649237016,"num_words":17,"start":2422.65,"end":2455.1401},{"sentences":[{"text":"No.","start":2455.1401,"end":2455.4602,"sentiment":"neutral","sentiment_score":-0.17512743175029755},{"text":"Absolutely.","start":2455.4602,"end":2455.9602,"sentiment":"neutral","sentiment_score":0.009252943098545074},{"text":"Check check out the website and and have a look.","start":2456.4202,"end":2459.455,"sentiment":"neutral","sentiment_score":0.07088194531388581},{"text":"You can see that, like, all the staff that work here.","start":2459.455,"end":2461.535,"sentiment":"neutral","sentiment_score":0.14539806951176037},{"text":"You'll be able to see my photo and and have a look at everything so that way you can make sure that you feel comfortable.","start":2461.535,"end":2466.595,"sentiment":"neutral","sentiment_score":0.24188615292310714}],"sentiment":"neutral","sentiment_score":0.1706141156707114,"num_words":48,"start":2455.1401,"end":2466.595},{"sentences":[{"text":"Yeah.","start":2486.0452,"end":2486.445,"sentiment":"neutral","sentiment_score":0.009257640689611437},{"text":"No.","start":2486.445,"end":2486.7651,"sentiment":"neutral","sentiment_score":0.05183353275060654},{"text":"Absolutely.","start":2486.7651,"end":2487.2651,"sentiment":"neutral","sentiment_score":0.15354177355766296},{"text":"And 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little bit of mortgage you might have left.","start":2635.395,"end":2642.215,"sentiment":"neutral","sentiment_score":-0.019954450614750385}],"sentiment":"neutral","sentiment_score":-0.002805783333522933,"num_words":35,"start":2629.98,"end":2642.215},{"sentences":[{"text":"Like, that you're total you're not putting any money in, and you're completely covered with income on that 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do.","start":2691.575,"end":2692.135,"sentiment":"positive","sentiment_score":0.3982310891151428},{"text":"Thanks, Michelle.","start":2692.135,"end":2693.035,"sentiment":"positive","sentiment_score":0.5342806875705719},{"text":"Bye.","start":2693.255,"end":2693.755,"sentiment":"neutral","sentiment_score":0.2334117591381073}],"sentiment":"neutral","sentiment_score":0.2650230032476512,"num_words":11,"start":2686.6948,"end":2693.755}]}}]},{"alternatives":[{"transcript":"Hey. How are you? Good. She's lovely. She's great. She's a bit nervous. She's like a it's always scary because you see so many scary things on the TV, and you're always worried about scams, but she's good. She just said, obviously, with all of this, the money is hers and Troy. So she's like, well, it sounds good to me. I will wanna sit down with Larissa where Troy is there, and he can ask all of his questions and just make sure we're all happy and comfortable with the overall strategy before going and pumping money in there. So I said, look. Cool. Larissa will run through all the compliance stuff with you now, and I'm like, it's not anything urgent. She's just recommended doing it before end of financial year. So we've got time where we can schedule a a suitable time to go through and have that conversation. Nope. I am done. Everything is signed. I've got ID, tax file number, beneficiaries, all sorted, and we'll send it through to you soon. Excellent. Alright. One second. I'll get her. Thanks for holding. So I've got Clarissa for you. She'll have a quick chat about everything, and she can sort out a suitable time to catch up with you and Troy at a later stage to go through all the other stuff. Yep. Alright. Sounds good. Alright. Take care. You have a good day. Thank you. Bye. Cheers. Bye. Yeah. I'm good. Thanks. I'm good. Yep. Yes. Yeah. I don't know if that's that's fine. Yep. What you made on it? Yep. Yep. Yep. Yep. Yes. Yep. I got it. Yep. Yep. Yep. That's the number that we reached. Yeah. Yeah. Yeah. Yeah. That's correct. Yeah. Yep. Yep. Yep. Oh, we're just paying the same as what we were paying without the and we're just saying we're paying the same. It's just coming off our principal, not but bit of both. That's all. Yeah. Yeah. Yeah. No. You're right. Yes. Yes. Yes. Yep. No. It's good for me because then I know for myself if he did it, this is what it would be. So now that is good information for me to know I'm not just working online because it is the money's joint. So, yeah. Yep. Well, this is where this work is a little bit tricky because we had a agreement with the people we bought it off. For maintenance on the block, so we didn't have to pay for border clearance and maintenance on the block. He put his catalog for free. So he'd maintained it by putting the cows on there. He had a business for no cost. It was a barter system. So Marty didn't change hands, but it was a barter system. So we got what we wanted without changing, and he did too. So instead of paying us to have his cattle on the block. So that's where we don't have any receipts. So we just need the barter system being a small country town. Yes. Yes. Yep. Yep. 100 and seven gap, is it? No problem. Just like Troy and I yep. Yeah. No. That's not Yep. Yes. 22%. Yeah. Yep. No worries. Process? Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. No. No. That's okay. Just just what the repayment like, as long as the rate covers the repayment on that investment, that's pretty much all we really needed to know because the rate starts like that. Yeah. Yep. Yep. That's it. Yeah. Yeah. Which is what I would be which is what I would be paying. Yeah. Because that's that's what I would be paying on the what the land more right anyway because we only had that we had a 100 and something thousand for over ten seven years or ten years or whatever it was. So I was paying three out of the week anyway for that. So that would be my because Troy pays the house. Right. Yeah. No. We'd have to use the collateral of the house to buy the property. Yeah. Yeah. Yeah. I think you're up. Yeah. Yes. Yeah. At the I think the last estimate they they offered us, I think, might have been a year or two ago. We wanted to sell because we weren't using the the benefits of everything because we weren't we weren't traveling because of COVID and things like that, and we were just busy. I think it came in at a 135,000 two years ago. I think it was roughly it was in Belmont when they offered us that. So yeah. It was like, oh, we can buy it back off you now. And if it's on US market, it's US they got the US price. Yeah. That's it. Because we bought it at US cost as well. I think it cost us $53 back way then, and it's meant to stay at a five star rating. So you you get the rewards of having that as a five star doesn't get decreased as part of the contract. So I'm roughly guessing don't count me on this. Unless The US US market bombs out and Trump done something really shitty and that they left on their own. I think it was worth it. It's about 250,000 we get paid at the end or 300,000 at the end because of the twenty year period. So it was just a small top up for our supers, basically, that we used it for. And if we wanted to use holidays and use the work for it, which we haven't. But yeah. It was like it wasn't sort of like a slower investment down the track. The only thing is when we do sell it, I don't know how to get the money back into Australian money or how much we have to pay, all that sort of stuff. We didn't think about that when we bought it. Yeah. We didn't think of any of that when we bought it. It was like, oh, okay. We'd be a holiday and do this and do that with the external money that we put into it. So yeah. She was like, okay. Now we have to work at how we're gonna get it back. I was just having overseas offset account. You'd be overseas account. You'd be fine. I'm like, well, how the hell do you even do that? So that's the thing to think of when it comes closer. But yeah. Yes. Yeah. Yeah. Yeah. He he wanted to go to another saved account. So I was just I didn't know the answer to that. But anyway Yep. Yeah. Yeah. Yes. Yes. Yeah. Yeah. Yeah. I mean, like you said, if we if we just use the clutter of this house and keep the other money in there, that other money is gonna be sitting there unless we invested in something anyway and make money on that. So we're still gonna have that cash injections in if we don't do anything, it just sits there, which is really useless because it's not making any money for us or getting any interest on it to get it top it up. But yeah. Unless you put it into it. Yep. Yeah. Which which makes sense anyway. Because then if we end up moving into the the rental property the investment property and using this, we can still then if we need to pay something off to bring our debt down, we could use that investment and still have this house as collateral as the investment to sell off later. But if we did sell this house, we would pay more capital gains because there's less on the mortgage. We would, yeah. Okay. So we'd sell this to yeah. Yeah. Yeah. That that I realized that part. But if my thing was if but I thought you had to live in the place when you sold it to get your to get out of the capital funds. If you we moved into the investment property then sold this one. This one just became our investment property, would it not? Yeah. Because that that was what I was thinking like yeah. Because we weren't because we're living in the our principal places where we live. So if we did that, this would be then became our investment, then it's got less on the mortgage then, like, we probably almost had a mix of nothing on it while it's, you know, seven years time if we did keep it. We would have pretty much nothing to pay on this house at all. So because we would probably well, Troy wants to pay it off in the next six years. So yeah. Okay. So that works. We've got, like, a a leeway there, how that works. Yeah. Cool. Yep. Yep. Principle. Yep. Yeah. So we put 65 for me to pop into my super to offset my capital gains. And Troy's what was Troy's? His would be a bit more. Exact same. So we both put a 100 and 30. Yep. Into 65 in each super, which is fair because then, you know, we're not separating the money at all into the our supers. That offsets our capital gain straight up, but it helps us in the long term with our super and our investments and stuff like that. Cool. Yep. Okay. Yep. And then once we contribute long as we contribute before the financial year. Is that right? Before yeah. I so I'll just make an appointment for the end of this week beginning of next, I think you said. Right. Yep. Yep. Yes. Era. Yep. Yeah. You still pay the normal tax. Yep. No. Yeah. Yeah. No. That's fine. That's cool. That's I just thought I sort of yeah. Excellent. And that still tops both houses up to give us a bit more money towards it anyways. We're not really losing that money. It's gaining us to a degree without having to pay the tax, man. Yeah. Yeah. Yes. Yes. Yes. Yes. Yeah. Yep. I think that I think that would work better. I've got to go and get catch up with it. How do I get a hold of you, Nerissa? Because I haven't got any emails or anything through. I've only got the number that Fabian's rung me on. Yep. Okay. Yeah. Cool. That would that would be great. Now I've signed all those paperwork. So that means now that I you're taking over, getting more that sort of stuff now with my super and bits and pieces. Okay. Yep. Yep. Yes. Yep. Yep. Yeah. Okay. That sounds like the planning. Yeah. No. That sounds good because I mean yep. Sorry. Yep. Yep. Yep. Sounds sounds good. Yep. So now you I think Fabian said said that you'd leave a small amount in my Hester account without closing it completely to my income protection because I wouldn't be able to get anything better than what I'm getting at the moment. Is that right? Yes. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. I think it's, like, $2.02 20 $230 a a week or a fortnight, I think it was. A fortnight. Something like that. Yeah. No. That's okay. Yeah. Yep. Yep. Yep. Yep. So alright. Now with my employer's tax contributions in my super, does that stay in the Chester or do I have to get it transferred to another account with you? Or how does that like, my HR? Yep. Yep. Yep. Cool. So, basically, everything stays the same. Yep. Okay. Yep. Okay. No worries. Yeah. I was just wondering. Yeah. Because I thought if that happens, where does my my contact my super from my boss goes into? Because I get from a couple of places. So yeah. That's all good. So it just stays the same, basically. Yep. Okay. And to get access to what I'm at the end of the I mean, I'm not that I access my history often anyway, but if I wanted to access what's in the accounts and stuff, does that go I go through you with that? Do I get access, like, as a Yep. Yep. Yep. Yes. Yeah. I should've asked all this before I signed up. But I just thought I just it was just rolled on the way it rolled on. I said, oh, I probably didn't ask that, and I didn't ask this. I'm thinking that because I just did the failure and said, you know how you think all of a sudden you get that horrible shock, am I being big, you know, how everyone gets a super out of super? And I'm like, oh, maybe if it's a legit, I'm thinking, you know, just get that whole minute of panic and think, oh, shit. Am I really be stupid? So but I know that I have toys, big pals, and and everything like that, and I wouldn't do that. Like, it's very hard, like, to get toys accesses and stuff. So and who is with us, so that was a bit more very inspiring. I thought, okay. Yep. That's cool. Because I like I said, at the moment, I don't have any contact for you at all. Only what the the number Fabian rang me on. I don't have any other contact for you. So but, yeah, I'll probably need that if to bring you back next week once I get the tax accountant figure and then go from there. Alright. All good. Was there anything else I had to sign? Yes. Yep. So next week next yeah. Next week, Monday, Tuesday is out because I'm doing ten hour days. Wednesday, Thursday, or Friday, a good call, but Wednesday and Friday in the morning before twelve. If you wanna if it's gonna be a a more than a half hour phone call, you need to ring me about 09:00 in the morning, my time, I think, which is maybe ten or 11:00 your time because you're ahead of us. Yeah. Because I I if it's gonna be that I actually have to be showered and gone by sort of twelve to go to work, It takes me forty five minutes an hour to get to work. But if we make it I'll tell you what. If we make it Thursday afternoon, I actually get home here at 02:00. I mean, that's too late for you guys. I think because then it makes it 04:00. Yeah. Yeah. Because I'm I'm only on a morning shift on Thursday, so I start at seven and I finish at 01:30. So I by the time I get home, it'll be about two quarter past two. So if you make it 02:30, I'll definitely be home on Thursday. Yeah. Because I I I've got a morning that day. It's only a half shift. But the other days yeah. It'd be easier if I'm just not I'm not gonna go anywhere for the rest of the day. Yep. Yep. That will be good. Alright. Okay. So you're gonna send me information through your email and email me with information, your contact details? Okay. Alright. Okay. Yeah. Because I didn't get send this. Was it you or I didn't send the sign stuff signed through? Oh, yeah. So that's why it came through through the email. Cool. Alright. So you got the right email. I have problems with my email. People send the wrong put the wrong number, like, the actual initials down. But that's good. Yeah. Like, I think it's an s is an f, and then I'm like, I didn't get the email. And they're like, well, what's your I said, yeah. So all good. I just with the with the PM yeah. With the Outlook account, I always have a bit of issues with the but that's our joint email. So it's easy to I can see what's going on and what's happening if we have a joint email. Because he can say, oh, what yeah. So he's like, what do you got going on here? And I'm like, oh, well, this is from this. He goes, oh, okay. Because then he's got all the information as well. If anything happens to me or whenever, he's got access to that email. The other one's just for, like, you know, after paying shit like that is the other shitty account that I still give you. You know, you're gonna get thousands of emails through, like, notifications. So all good. Yeah. Hey. That's it. Alright. Okay. So you'll send that information through. I haven't got it yet, but I'll wait for it. And then I'll hear from you next Thursday. Hopefully, I'll I'll get on to Troy now to organize that packs because he gets a bit way late. He gets forgetful without doing it. So I'll get him to make sure that's done before the twenty third. Let me just check the spam. I'll just check oh, here we go. It's in the spam. See? That's it. Yeah. I lately, you know, like, every time since I've sent it and then like I said, I'm thinking, oh, let me just go and put it in out of the spam box because it quite often does go in there. Cool. Alright. So that's come back in the other account. Cool. Now I've got it. Thank you so much for that. I just thought, yeah. Still come through. Yeah. Yeah. No. That's good. I like just it was just that switching second where you think, oh, you know, you hear that thing on the telly that way, but everyone being spammed. Oh my god. Am I being spammed? Like yeah. It's but it's all good. So no. Because I mean, he's got all sorts of details and that's pretty hard to get when you and he's gonna bring it up straight away so it's all good. Yeah. Yep. Well, if it's Thursday afternoon, I might even go down to his work and and because he's in a and he's got his own office in a big shed that he's on his own in. So I can probably go down on Thursday from work and just go straight there and have the conversation there. And he can ask questions if need be then. So that will work. Yeah. It'd be easier if I go to him and him come home for that. But yeah. He can stop and say if he's not traveling out and about, but I'll see if he can stay try and get all his runs out in the morning early so he can be there in the afternoon. Bye. All good. Alright. Thanks so much, Nerissa. I really appreciate that. Give me a bit of peace of thought. Yeah. Yeah. Yeah. And like I said, we're just sitting at the monks. We just don't know what to do. And I sort of retry information and sort of what to do. So yeah. If we can even if we just offset that a little bit to get the capital gains, it may still fit in. It's gonna sit there if we're still paying a bit of the principal anyway. And then use the house for the investment. So yeah. That works out. Not too bad. Alright. Give me a bit of a a focus point now to sort of really think on where we wanna go and what we wanna do, which is good because before that, I sort of like, I don't know what to do. I don't know what to do. But so it's low responsibility. It's you know, like, I don't wanna be out of sort of like I said to try. I wanna when we do retire, not scrape and save and and be a little bit relaxed. But be sensible, but still be comfortable enough and not have a mortgage because that's my biggest thing is that I want a mortgage when I retire. You know, I wanna be because I want yeah. Exactly. Yeah. Just so we we we at the end of the day, we can't be mortgage free because, you know, most of the we can live on what we earn from our and taking smaller amounts from our super if we don't have a mortgage because that's the biggest killer, You know? He's paying that. He can pay the rates and and electricity and water is minimal. But, yeah, just paying mortgage. I think that's just a big chunk of your pay. So my aim is to be mortgage free when I retire at the end of the day. Yeah. Yeah. That's my end goal. That's my end goal. It's just to be mortgage free when we retire. Yeah. So all good. Alright. Thank you. And I will definitely speak to you on Thursday. I'll get on to Troy now about getting that account and organized and see exactly what capital gains we do have to pay and work out from there if we decide to just put it in our super and go in that direction. So yep. Alright. Thank you so much. I really appreciate you doing that hard work for me. Oh oh, it's good. 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How are you? Good. She's lovely. She's great.\n\nShe's a bit nervous. She's like a it's always scary because you see so many scary things on the TV, and you're always worried about scams, but she's good. She just said, obviously, with all of this, the money is hers and Troy. So she's like, well, it sounds good to me. I will wanna sit down with Larissa where Troy is there, and he can ask all of his questions and just make sure we're all happy and comfortable with the overall strategy before going and pumping money in there.\n\nSo I said, look. Cool. Larissa will run through all the compliance stuff with you now, and I'm like, it's not anything urgent. She's just recommended doing it before end of financial year. So we've got time where we can schedule a a suitable time to go through and have that conversation.\n\nNope. I am done. Everything is signed. I've got ID, tax file number, beneficiaries, all sorted, and we'll send it through to you soon. Excellent.\n\nAlright. One second. I'll get her. Thanks for holding. So I've got Clarissa for you.\n\nShe'll have a quick chat about everything, and she can sort out a suitable time to catch up with you and Troy at a later stage to go through all the other stuff. Yep. Alright. Sounds good. Alright.\n\nTake care. You have a good day. Thank you. Bye. Cheers.\n\nBye. Yeah. I'm good. Thanks. I'm good.\n\nYep. Yes. Yeah. I don't know if that's that's fine. Yep.\n\nWhat you made on it? Yep. Yep. Yep. Yep.\n\nYes. Yep. I got it. Yep. Yep.\n\nYep. That's the number that we reached. Yeah. Yeah. Yeah.\n\nYeah. That's correct. Yeah. Yep. Yep.\n\nYep. Oh, we're just paying the same as what we were paying without the and we're just saying we're paying the same. It's just coming off our principal, not but bit of both. That's all. Yeah.\n\nYeah. Yeah. No. You're right. Yes.\n\nYes. Yes. Yep. No. It's good for me because then I know for myself if he did it, this is what it would be.\n\nSo now that is good information for me to know I'm not just working online because it is the money's joint. So, yeah. Yep. Well, this is where this work is a little bit tricky because we had a agreement with the people we bought it off. For maintenance on the block, so we didn't have to pay for border clearance and maintenance on the block.\n\nHe put his catalog for free. So he'd maintained it by putting the cows on there. He had a business for no cost. It was a barter system. So Marty didn't change hands, but it was a barter system.\n\nSo we got what we wanted without changing, and he did too. So instead of paying us to have his cattle on the block. So that's where we don't have any receipts. So we just need the barter system being a small country town. Yes.\n\nYes. Yep. Yep. 100 and seven gap, is it? No problem.\n\nJust like Troy and I yep. Yeah. No. That's not Yep. Yes.\n\n22%. Yeah. Yep. No worries. Process?\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. No. No.\n\nThat's okay. Just just what the repayment like, as long as the rate covers the repayment on that investment, that's pretty much all we really needed to know because the rate starts like that. Yeah. Yep. Yep.\n\nThat's it. Yeah. Yeah. Which is what I would be which is what I would be paying. Yeah.\n\nBecause that's that's what I would be paying on the what the land more right anyway because we only had that we had a 100 and something thousand for over ten seven years or ten years or whatever it was. So I was paying three out of the week anyway for that. So that would be my because Troy pays the house. Right. Yeah.\n\nNo. We'd have to use the collateral of the house to buy the property. Yeah. Yeah. Yeah.\n\nI think you're up. Yeah. Yes. Yeah. At the I think the last estimate they they offered us, I think, might have been a year or two ago.\n\nWe wanted to sell because we weren't using the the benefits of everything because we weren't we weren't traveling because of COVID and things like that, and we were just busy. I think it came in at a 135,000 two years ago. I think it was roughly it was in Belmont when they offered us that. So yeah. It was like, oh, we can buy it back off you now.\n\nAnd if it's on US market, it's US they got the US price. Yeah. That's it. Because we bought it at US cost as well. I think it cost us $53 back way then, and it's meant to stay at a five star rating.\n\nSo you you get the rewards of having that as a five star doesn't get decreased as part of the contract. So I'm roughly guessing don't count me on this. Unless The US US market bombs out and Trump done something really shitty and that they left on their own. I think it was worth it. It's about 250,000 we get paid at the end or 300,000 at the end because of the twenty year period.\n\nSo it was just a small top up for our supers, basically, that we used it for. And if we wanted to use holidays and use the work for it, which we haven't. But yeah. It was like it wasn't sort of like a slower investment down the track. The only thing is when we do sell it, I don't know how to get the money back into Australian money or how much we have to pay, all that sort of stuff.\n\nWe didn't think about that when we bought it. Yeah. We didn't think of any of that when we bought it. It was like, oh, okay. We'd be a holiday and do this and do that with the external money that we put into it.\n\nSo yeah. She was like, okay. Now we have to work at how we're gonna get it back. I was just having overseas offset account. You'd be overseas account.\n\nYou'd be fine. I'm like, well, how the hell do you even do that? So that's the thing to think of when it comes closer. But yeah. Yes.\n\nYeah. Yeah. Yeah. He he wanted to go to another saved account. So I was just I didn't know the answer to that.\n\nBut anyway Yep. Yeah. Yeah. Yes. Yes.\n\nYeah. Yeah. Yeah. I mean, like you said, if we if we just use the clutter of this house and keep the other money in there, that other money is gonna be sitting there unless we invested in something anyway and make money on that. So we're still gonna have that cash injections in if we don't do anything, it just sits there, which is really useless because it's not making any money for us or getting any interest on it to get it top it up.\n\nBut yeah. Unless you put it into it. Yep. Yeah. Which which makes sense anyway.\n\nBecause then if we end up moving into the the rental property the investment property and using this, we can still then if we need to pay something off to bring our debt down, we could use that investment and still have this house as collateral as the investment to sell off later. But if we did sell this house, we would pay more capital gains because there's less on the mortgage. We would, yeah. Okay. So we'd sell this to yeah.\n\nYeah. Yeah. That that I realized that part. But if my thing was if but I thought you had to live in the place when you sold it to get your to get out of the capital funds. If you we moved into the investment property then sold this one.\n\nThis one just became our investment property, would it not? Yeah. Because that that was what I was thinking like yeah. Because we weren't because we're living in the our principal places where we live. So if we did that, this would be then became our investment, then it's got less on the mortgage then, like, we probably almost had a mix of nothing on it while it's, you know, seven years time if we did keep it.\n\nWe would have pretty much nothing to pay on this house at all. So because we would probably well, Troy wants to pay it off in the next six years. So yeah. Okay. So that works.\n\nWe've got, like, a a leeway there, how that works. Yeah. Cool. Yep. Yep.\n\nPrinciple. Yep. Yeah. So we put 65 for me to pop into my super to offset my capital gains. And Troy's what was Troy's?\n\nHis would be a bit more. Exact same. So we both put a 100 and 30. Yep. Into 65 in each super, which is fair because then, you know, we're not separating the money at all into the our supers.\n\nThat offsets our capital gain straight up, but it helps us in the long term with our super and our investments and stuff like that. Cool. Yep. Okay. Yep.\n\nAnd then once we contribute long as we contribute before the financial year. Is that right? Before yeah. I so I'll just make an appointment for the end of this week beginning of next, I think you said. Right.\n\nYep. Yep. Yes. Era. Yep.\n\nYeah. You still pay the normal tax. Yep. No. Yeah.\n\nYeah. No. That's fine. That's cool. That's I just thought I sort of yeah.\n\nExcellent. And that still tops both houses up to give us a bit more money towards it anyways. We're not really losing that money. It's gaining us to a degree without having to pay the tax, man. Yeah.\n\nYeah. Yes. Yes. Yes. Yes.\n\nYeah. Yep. I think that I think that would work better. I've got to go and get catch up with it. How do I get a hold of you, Nerissa?\n\nBecause I haven't got any emails or anything through. I've only got the number that Fabian's rung me on. Yep. Okay. Yeah.\n\nCool. That would that would be great. Now I've signed all those paperwork. So that means now that I you're taking over, getting more that sort of stuff now with my super and bits and pieces. Okay.\n\nYep. Yep. Yes. Yep. Yep.\n\nYeah. Okay. That sounds like the planning. Yeah. No.\n\nThat sounds good because I mean yep. Sorry. Yep. Yep. Yep.\n\nSounds sounds good. Yep. So now you I think Fabian said said that you'd leave a small amount in my Hester account without closing it completely to my income protection because I wouldn't be able to get anything better than what I'm getting at the moment. Is that right? Yes.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. I think it's, like, $2.02 20 $230 a a week or a fortnight, I think it was. A fortnight. Something like that.\n\nYeah. No. That's okay. Yeah. Yep.\n\nYep. Yep. Yep. So alright. Now with my employer's tax contributions in my super, does that stay in the Chester or do I have to get it transferred to another account with you?\n\nOr how does that like, my HR? Yep. Yep. Yep. Cool.\n\nSo, basically, everything stays the same. Yep. Okay. Yep. Okay.\n\nNo worries. Yeah. I was just wondering. Yeah. Because I thought if that happens, where does my my contact my super from my boss goes into?\n\nBecause I get from a couple of places. So yeah. That's all good. So it just stays the same, basically. Yep.\n\nOkay. And to get access to what I'm at the end of the I mean, I'm not that I access my history often anyway, but if I wanted to access what's in the accounts and stuff, does that go I go through you with that? Do I get access, like, as a Yep. Yep. Yep.\n\nYes. Yeah. I should've asked all this before I signed up. But I just thought I just it was just rolled on the way it rolled on. I said, oh, I probably didn't ask that, and I didn't ask this.\n\nI'm thinking that because I just did the failure and said, you know how you think all of a sudden you get that horrible shock, am I being big, you know, how everyone gets a super out of super? And I'm like, oh, maybe if it's a legit, I'm thinking, you know, just get that whole minute of panic and think, oh, shit. Am I really be stupid? So but I know that I have toys, big pals, and and everything like that, and I wouldn't do that. Like, it's very hard, like, to get toys accesses and stuff.\n\nSo and who is with us, so that was a bit more very inspiring. I thought, okay. Yep. That's cool. Because I like I said, at the moment, I don't have any contact for you at all.\n\nOnly what the the number Fabian rang me on. I don't have any other contact for you. So but, yeah, I'll probably need that if to bring you back next week once I get the tax accountant figure and then go from there. Alright. All good.\n\nWas there anything else I had to sign? Yes. Yep. So next week next yeah. Next week, Monday, Tuesday is out because I'm doing ten hour days.\n\nWednesday, Thursday, or Friday, a good call, but Wednesday and Friday in the morning before twelve. If you wanna if it's gonna be a a more than a half hour phone call, you need to ring me about 09:00 in the morning, my time, I think, which is maybe ten or 11:00 your time because you're ahead of us. Yeah. Because I I if it's gonna be that I actually have to be showered and gone by sort of twelve to go to work, It takes me forty five minutes an hour to get to work. But if we make it I'll tell you what.\n\nIf we make it Thursday afternoon, I actually get home here at 02:00. I mean, that's too late for you guys. I think because then it makes it 04:00. Yeah. Yeah.\n\nBecause I'm I'm only on a morning shift on Thursday, so I start at seven and I finish at 01:30. So I by the time I get home, it'll be about two quarter past two. So if you make it 02:30, I'll definitely be home on Thursday. Yeah. Because I I I've got a morning that day.\n\nIt's only a half shift. But the other days yeah. It'd be easier if I'm just not I'm not gonna go anywhere for the rest of the day. Yep. Yep.\n\nThat will be good. Alright. Okay. So you're gonna send me information through your email and email me with information, your contact details? Okay.\n\nAlright. Okay. Yeah. Because I didn't get send this. Was it you or I didn't send the sign stuff signed through?\n\nOh, yeah. So that's why it came through through the email. Cool. Alright. So you got the right email.\n\nI have problems with my email. People send the wrong put the wrong number, like, the actual initials down. But that's good. Yeah. Like, I think it's an s is an f, and then I'm like, I didn't get the email.\n\nAnd they're like, well, what's your I said, yeah. So all good. I just with the with the PM yeah. With the Outlook account, I always have a bit of issues with the but that's our joint email. So it's easy to I can see what's going on and what's happening if we have a joint email.\n\nBecause he can say, oh, what yeah. So he's like, what do you got going on here? And I'm like, oh, well, this is from this. He goes, oh, okay. Because then he's got all the information as well.\n\nIf anything happens to me or whenever, he's got access to that email. The other one's just for, like, you know, after paying shit like that is the other shitty account that I still give you. You know, you're gonna get thousands of emails through, like, notifications. So all good. Yeah.\n\nHey. That's it. Alright. Okay. So you'll send that information through.\n\nI haven't got it yet, but I'll wait for it. And then I'll hear from you next Thursday. Hopefully, I'll I'll get on to Troy now to organize that packs because he gets a bit way late. He gets forgetful without doing it. So I'll get him to make sure that's done before the twenty third.\n\nLet me just check the spam. I'll just check oh, here we go. It's in the spam. See? That's it.\n\nYeah. I lately, you know, like, every time since I've sent it and then like I said, I'm thinking, oh, let me just go and put it in out of the spam box because it quite often does go in there. Cool. Alright. So that's come back in the other account.\n\nCool. Now I've got it. Thank you so much for that. I just thought, yeah. Still come through.\n\nYeah. Yeah. No. That's good. I like just it was just that switching second where you think, oh, you know, you hear that thing on the telly that way, but everyone being spammed.\n\nOh my god. Am I being spammed? Like yeah. It's but it's all good. So no.\n\nBecause I mean, he's got all sorts of details and that's pretty hard to get when you and he's gonna bring it up straight away so it's all good. Yeah. Yep. Well, if it's Thursday afternoon, I might even go down to his work and and because he's in a and he's got his own office in a big shed that he's on his own in. So I can probably go down on Thursday from work and just go straight there and have the conversation there.\n\nAnd he can ask questions if need be then. So that will work. Yeah. It'd be easier if I go to him and him come home for that. But yeah.\n\nHe can stop and say if he's not traveling out and about, but I'll see if he can stay try and get all his runs out in the morning early so he can be there in the afternoon. Bye. All good. Alright. Thanks so much, Nerissa.\n\nI really appreciate that. Give me a bit of peace of thought. Yeah. Yeah. Yeah.\n\nAnd like I said, we're just sitting at the monks. We just don't know what to do. And I sort of retry information and sort of what to do. So yeah. If we can even if we just offset that a little bit to get the capital gains, it may still fit in.\n\nIt's gonna sit there if we're still paying a bit of the principal anyway. And then use the house for the investment. So yeah. That works out. Not too bad.\n\nAlright. Give me a bit of a a focus point now to sort of really think on where we wanna go and what we wanna do, which is good because before that, I sort of like, I don't know what to do. I don't know what to do. But so it's low responsibility. It's you know, like, I don't wanna be out of sort of like I said to try.\n\nI wanna when we do retire, not scrape and save and and be a little bit relaxed. But be sensible, but still be comfortable enough and not have a mortgage because that's my biggest thing is that I want a mortgage when I retire. You know, I wanna be because I want yeah. Exactly. Yeah.\n\nJust so we we we at the end of the day, we can't be mortgage free because, you know, most of the we can live on what we earn from our and taking smaller amounts from our super if we don't have a mortgage because that's the biggest killer, You know? He's paying that. He can pay the rates and and electricity and water is minimal. But, yeah, just paying mortgage. I think that's just a big chunk of your pay.\n\nSo my aim is to be mortgage free when I retire at the end of the day. Yeah. Yeah. That's my end goal. That's my end goal.\n\nIt's just to be mortgage free when we retire. Yeah. So all good. Alright. Thank you.\n\nAnd I will definitely speak to you on Thursday. I'll get on to Troy now about getting that account and organized and see exactly what capital gains we do have to pay and work out from there if we decide to just put it in our super and go in that direction. So yep. Alright. Thank you so much.\n\nI really appreciate you doing that hard work for me. Oh oh, it's good. It gives me a focal point now where to go and where to start thinking. So this is just quit chewing my thumbs. Bye.\n\nAlright. Thanks. Okay. Thanks, Marissa. I'll speak to you soon.\n\nOkay. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":5.04,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.20579349994659424},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.20104719698429108},{"text":"Good.","start":8.0,"end":8.5,"sentiment":"positive","sentiment_score":0.515689492225647},{"text":"She's lovely.","start":9.599999,"end":10.5,"sentiment":"positive","sentiment_score":0.7070397734642029},{"text":"She's great.","start":10.559999,"end":11.12,"sentiment":"positive","sentiment_score":0.5943954885005951}],"sentiment":"positive","sentiment_score":0.43638834522830117,"num_words":9,"start":5.04,"end":11.12},{"sentences":[{"text":"She's a bit nervous.","start":11.12,"end":12.179999,"sentiment":"neutral","sentiment_score":-0.10628093895502388},{"text":"She's like a it's always scary because you see so many scary things on the TV, and you're always worried about scams, but she's good.","start":12.255,"end":18.595,"sentiment":"neutral","sentiment_score":-0.05072323814034462},{"text":"She just said, obviously, with all of this, the money is hers and Troy.","start":19.055,"end":24.494999,"sentiment":"neutral","sentiment_score":0.06905348811830793},{"text":"So she's like, well, it sounds good to me.","start":24.494999,"end":26.88,"sentiment":"neutral","sentiment_score":0.1593811818295055},{"text":"I will wanna sit down with Larissa where Troy is there, and he can ask all of his questions and just make sure we're all happy and comfortable with the overall strategy before going and pumping money in there.","start":27.119999,"end":38.895,"sentiment":"neutral","sentiment_score":0.2639720619488985}],"sentiment":"neutral","sentiment_score":0.12091082611868342,"num_words":91,"start":11.12,"end":38.895},{"sentences":[{"text":"So I said, look.","start":39.775,"end":40.655,"sentiment":"neutral","sentiment_score":0.13362355716526508},{"text":"Cool.","start":40.655,"end":40.895,"sentiment":"neutral","sentiment_score":0.23711803555488584},{"text":"Larissa will run through all the compliance stuff with you now, and I'm like, it's not anything urgent.","start":40.895,"end":45.715,"sentiment":"neutral","sentiment_score":0.1768264588382509},{"text":"She's just recommended doing it before end of financial year.","start":46.015,"end":48.975,"sentiment":"neutral","sentiment_score":0.1084238424897194},{"text":"So we've got time where we can schedule a a suitable time to go through and have that conversation.","start":48.975,"end":53.395,"sentiment":"neutral","sentiment_score":0.11512222925299093}],"sentiment":"neutral","sentiment_score":0.13896248661554778,"num_words":52,"start":39.775,"end":53.395},{"sentences":[{"text":"Nope.","start":60.53,"end":60.93,"sentiment":"neutral","sentiment_score":-0.000998718081973493},{"text":"I am done.","start":60.93,"end":61.809998,"sentiment":"neutral","sentiment_score":0.04106776913007101},{"text":"Everything is signed.","start":61.809998,"end":62.69,"sentiment":"neutral","sentiment_score":0.11584775894880295},{"text":"I've got ID, tax file number, beneficiaries, all sorted, and we'll send it through to you soon.","start":62.69,"end":67.99,"sentiment":"neutral","sentiment_score":0.1725239723044283},{"text":"Excellent.","start":70.125,"end":70.605,"sentiment":"positive","sentiment_score":0.3659299910068512}],"sentiment":"neutral","sentiment_score":0.15074341545347125,"num_words":25,"start":60.53,"end":70.605},{"sentences":[{"text":"Alright.","start":70.605,"end":70.845,"sentiment":"neutral","sentiment_score":0.16520071029663086},{"text":"One second.","start":70.845,"end":71.405,"sentiment":"neutral","sentiment_score":0.10679389536380768},{"text":"I'll get her.","start":71.405,"end":72.225,"sentiment":"neutral","sentiment_score":0.09675245483716328},{"text":"Thanks for holding.","start":76.925,"end":77.985,"sentiment":"neutral","sentiment_score":0.284616082906723},{"text":"So I've got Clarissa for you.","start":78.045,"end":79.905,"sentiment":"neutral","sentiment_score":0.17232880741357803}],"sentiment":"neutral","sentiment_score":0.17045779724915822,"num_words":15,"start":70.605,"end":79.905},{"sentences":[{"text":"She'll have a quick chat about everything, and she can sort out a suitable time to catch up with you and Troy at a later stage to go through all the other stuff.","start":80.205,"end":88.0,"sentiment":"neutral","sentiment_score":0.1556288773814837},{"text":"Yep.","start":88.299995,"end":88.7,"sentiment":"neutral","sentiment_score":0.08864208310842514},{"text":"Alright.","start":88.7,"end":89.02,"sentiment":"neutral","sentiment_score":0.1551521122455597},{"text":"Sounds 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you.","start":92.14,"end":92.619995,"sentiment":"neutral","sentiment_score":0.32415567338466644},{"text":"Bye.","start":92.619995,"end":93.119995,"sentiment":"neutral","sentiment_score":0.1805109828710556},{"text":"Cheers.","start":93.18,"end":93.579994,"sentiment":"neutral","sentiment_score":0.23184654116630551}],"sentiment":"neutral","sentiment_score":0.31259838423945685,"num_words":11,"start":90.46,"end":93.579994},{"sentences":[{"text":"Bye.","start":93.579994,"end":94.079994,"sentiment":"neutral","sentiment_score":0.11038325726985931},{"text":"Yeah.","start":97.579994,"end":97.979996,"sentiment":"neutral","sentiment_score":0.17984572052955627},{"text":"I'm good.","start":97.979996,"end":98.46,"sentiment":"neutral","sentiment_score":0.29338239133358},{"text":"Thanks.","start":98.46,"end":98.78,"sentiment":"positive","sentiment_score":0.4453842341899872},{"text":"I'm 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was.","start":947.55,"end":957.03503,"sentiment":"neutral","sentiment_score":-0.041246477980166674},{"text":"So I was paying three out of the week anyway for that.","start":957.09503,"end":959.755,"sentiment":"neutral","sentiment_score":-0.03541931168486675},{"text":"So that would be my because Troy pays the house.","start":960.695,"end":963.67505,"sentiment":"neutral","sentiment_score":0.03566087819635868},{"text":"Right.","start":965.56,"end":965.64,"sentiment":"neutral","sentiment_score":0.09930863976478577},{"text":"Yeah.","start":965.64,"end":966.14,"sentiment":"neutral","sentiment_score":0.09848729521036148}],"sentiment":"neutral","sentiment_score":-0.023757595976348966,"num_words":64,"start":947.55,"end":966.14},{"sentences":[{"text":"No.","start":993.85,"end":994.25,"sentiment":"neutral","sentiment_score":-0.13669998943805697},{"text":"We'd have to use the collateral of the house to buy the 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I'm roughly guessing don't count me on this.","start":1136.97,"end":1140.17,"sentiment":"neutral","sentiment_score":-0.04534633778449562},{"text":"Unless The US US market bombs out and Trump done something really shitty and that they left on their own.","start":1140.17,"end":1145.39,"sentiment":"neutral","sentiment_score":-0.2976804502308369},{"text":"I think it was worth it.","start":1145.45,"end":1146.25,"sentiment":"neutral","sentiment_score":0.17492593079805374},{"text":"It's about 250,000 we get paid at the end or 300,000 at the end because of the twenty year period.","start":1146.25,"end":1154.355,"sentiment":"neutral","sentiment_score":0.034227100759744646}],"sentiment":"neutral","sentiment_score":0.030611387711312426,"num_words":76,"start":1126.9551,"end":1154.355},{"sentences":[{"text":"So it was just a small top up for our supers, basically, that we used it for.","start":1156.895,"end":1161.475,"sentiment":"neutral","sentiment_score":0.05689646500874968},{"text":"And if we wanted to use holidays and use the work for it, which we haven't.","start":1161.615,"end":1165.7101,"sentiment":"neutral","sentiment_score":0.028441712609492242},{"text":"But yeah.","start":1166.5701,"end":1167.15,"sentiment":"neutral","sentiment_score":-0.04586399905383587},{"text":"It was like it wasn't sort of like a slower investment down the track.","start":1167.53,"end":1171.63,"sentiment":"neutral","sentiment_score":-0.14637881464191846},{"text":"The only thing is when we do sell it, I don't know how to get the money back into Australian money or how much we have to pay, all that sort of stuff.","start":1171.93,"end":1177.77,"sentiment":"neutral","sentiment_score":-0.15550894877224258}],"sentiment":"neutral","sentiment_score":-0.07134779763021847,"num_words":82,"start":1156.895,"end":1177.77},{"sentences":[{"text":"We didn't think about that when we bought 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Yep.","start":1260.1499,"end":1271.8151,"sentiment":"neutral","sentiment_score":0.09615720808506012},{"text":"Yeah.","start":1279.79,"end":1280.29,"sentiment":"neutral","sentiment_score":0.10356085002422331},{"text":"Yeah.","start":1285.71,"end":1286.21,"sentiment":"neutral","sentiment_score":0.27230340242385864},{"text":"Yes.","start":1291.4249,"end":1291.9249,"sentiment":"neutral","sentiment_score":0.28967660665512085},{"text":"Yes.","start":1296.065,"end":1296.565,"sentiment":"neutral","sentiment_score":0.3096386194229126}],"sentiment":"neutral","sentiment_score":0.18052158611161367,"num_words":7,"start":1260.1499,"end":1296.565},{"sentences":[{"text":"Yeah.","start":1309.85,"end":1310.35,"sentiment":"neutral","sentiment_score":-0.00450311042368412},{"text":"Yeah.","start":1323.775,"end":1324.275,"sentiment":"positive","sentiment_score":0.42529141902923584},{"text":"Yeah.","start":1345.2699,"end":1345.7699,"sentiment":"neutral","sentiment_score":0.005760997533798218},{"text":"I mean, like you said, if we if we just use the clutter of this house and keep the other money in there, that other money is gonna be sitting there unless we invested in something anyway and make money on that.","start":1365.12,"end":1374.72,"sentiment":"neutral","sentiment_score":-0.13379559488523574},{"text":"So we're still gonna have that cash injections in if we don't do anything, it just sits there, which is really useless because it's not making any money for us or getting any interest on it to get it top it up.","start":1374.72,"end":1387.555,"sentiment":"neutral","sentiment_score":-0.3090440972397725}],"sentiment":"neutral","sentiment_score":-0.2088818133690919,"num_words":87,"start":1309.85,"end":1387.555},{"sentences":[{"text":"But yeah.","start":1387.555,"end":1389.475,"sentiment":"neutral","sentiment_score":-0.13118567690253258},{"text":"Unless you put it into it.","start":1389.475,"end":1390.6951,"sentiment":"neutral","sentiment_score":-0.09068818700810273},{"text":"Yep.","start":1395.7201,"end":1396.2201,"sentiment":"neutral","sentiment_score":-0.08863048255443573},{"text":"Yeah.","start":1400.8401,"end":1401.3401,"sentiment":"neutral","sentiment_score":0.013376183807849884},{"text":"Which which makes sense anyway.","start":1408.485,"end":1409.845,"sentiment":"neutral","sentiment_score":-0.011348799616098405}],"sentiment":"neutral","sentiment_score":-0.06256658484538397,"num_words":15,"start":1387.555,"end":1409.845},{"sentences":[{"text":"Because then if we end up moving into the the rental property the investment property and using this, we can still then if we need to pay something off to bring our debt down, we could use that investment and still have this house as collateral as the investment to sell off later.","start":1409.845,"end":1424.58,"sentiment":"neutral","sentiment_score":0.09488502954888456},{"text":"But if we did sell this house, we would pay more capital gains because there's less on the mortgage.","start":1424.96,"end":1430.02,"sentiment":"neutral","sentiment_score":-0.05560624501422832},{"text":"We would, yeah.","start":1431.92,"end":1432.9,"sentiment":"neutral","sentiment_score":0.032569983353217445},{"text":"Okay.","start":1437.705,"end":1438.1849,"sentiment":"neutral","sentiment_score":0.05774562805891037},{"text":"So we'd sell this to yeah.","start":1438.1849,"end":1444.505,"sentiment":"neutral","sentiment_score":0.026131820554534595}],"sentiment":"neutral","sentiment_score":0.05225163917397944,"num_words":82,"start":1409.845,"end":1444.505},{"sentences":[{"text":"Yeah.","start":1444.505,"end":1444.585,"sentiment":"neutral","sentiment_score":0.05329006910324097},{"text":"Yeah.","start":1444.585,"end":1444.905,"sentiment":"neutral","sentiment_score":0.06234102696180344},{"text":"That that I realized that part.","start":1444.905,"end":1446.585,"sentiment":"neutral","sentiment_score":0.0578790499518315},{"text":"But if my thing was if but I thought you had to live in the place when you sold it to get your to get out of the capital funds.","start":1446.585,"end":1453.41,"sentiment":"neutral","sentiment_score":-0.13670333698391915},{"text":"If you we moved into the investment property then sold this one.","start":1453.41,"end":1456.53,"sentiment":"neutral","sentiment_score":-0.05972245940938592}],"sentiment":"neutral","sentiment_score":-0.08709728453308344,"num_words":50,"start":1444.505,"end":1456.53},{"sentences":[{"text":"This one just became our investment property, would it not?","start":1456.53,"end":1459.59,"sentiment":"neutral","sentiment_score":-0.021086792834103106},{"text":"Yeah.","start":1465.25,"end":1465.49,"sentiment":"neutral","sentiment_score":-0.024981748312711716},{"text":"Because that that was what I was thinking like yeah.","start":1465.49,"end":1468.555,"sentiment":"neutral","sentiment_score":-0.1415638230741024},{"text":"Because we weren't because we're living in the our principal places where we live.","start":1469.335,"end":1473.095,"sentiment":"neutral","sentiment_score":-0.03724357060023716},{"text":"So if we did that, this would be then became our investment, then it's got less on the mortgage then, like, we probably almost had a mix of nothing on it while it's, you know, seven years time if we did keep it.","start":1473.095,"end":1482.55,"sentiment":"neutral","sentiment_score":-0.08588499458896559}],"sentiment":"neutral","sentiment_score":-0.07520452132209754,"num_words":78,"start":1456.53,"end":1482.55},{"sentences":[{"text":"We would have pretty much nothing to pay on this house at all.","start":1482.55,"end":1485.29,"sentiment":"neutral","sentiment_score":-0.2753778833609361},{"text":"So because we would probably well, Troy wants to pay it off in the next six years.","start":1487.03,"end":1490.81,"sentiment":"neutral","sentiment_score":-0.16990749669425628},{"text":"So yeah.","start":1491.59,"end":1493.895,"sentiment":"neutral","sentiment_score":0.07947437092661858},{"text":"Okay.","start":1494.755,"end":1494.995,"sentiment":"neutral","sentiment_score":0.1860337257385254},{"text":"So that works.","start":1494.995,"end":1495.555,"sentiment":"neutral","sentiment_score":0.28361255923906964}],"sentiment":"neutral","sentiment_score":-0.14645888283848763,"num_words":36,"start":1482.55,"end":1495.555},{"sentences":[{"text":"We've got, like, a a leeway there, how that works.","start":1495.555,"end":1497.895,"sentiment":"neutral","sentiment_score":0.24252085834741594},{"text":"Yeah.","start":1499.635,"end":1500.115,"sentiment":"neutral","sentiment_score":0.3194373548030853},{"text":"Cool.","start":1500.115,"end":1500.615,"sentiment":"positive","sentiment_score":0.48810526728630066},{"text":"Yep.","start":1511.13,"end":1511.63,"sentiment":"neutral","sentiment_score":-0.054130032658576965},{"text":"Yep.","start":1514.41,"end":1514.91,"sentiment":"neutral","sentiment_score":-0.09876805543899536}],"sentiment":"neutral","sentiment_score":0.21998950839042664,"num_words":14,"start":1495.555,"end":1514.91},{"sentences":[{"text":"Principle.","start":1517.69,"end":1518.19,"sentiment":"neutral","sentiment_score":-0.05930683761835098},{"text":"Yep.","start":1519.85,"end":1520.35,"sentiment":"neutral","sentiment_score":-0.058664605021476746},{"text":"Yeah.","start":1528.4349,"end":1528.835,"sentiment":"neutral","sentiment_score":0.029379066079854965},{"text":"So we put 65 for me to pop into my super to offset my capital gains.","start":1528.835,"end":1534.7749,"sentiment":"neutral","sentiment_score":0.10991161083802581},{"text":"And Troy's what was Troy's?","start":1536.53,"end":1538.13,"sentiment":"neutral","sentiment_score":0.04379525296390056}],"sentiment":"neutral","sentiment_score":0.07870706923616429,"num_words":24,"start":1517.69,"end":1538.13},{"sentences":[{"text":"His would be a bit more.","start":1538.13,"end":1539.51,"sentiment":"neutral","sentiment_score":0.020799423878391583},{"text":"Exact same.","start":1541.81,"end":1542.37,"sentiment":"neutral","sentiment_score":0.07549368962645531},{"text":"So we both put a 100 and 30.","start":1542.37,"end":1547.35,"sentiment":"neutral","sentiment_score":0.047301515471190214},{"text":"Yep.","start":1547.5701,"end":1547.955,"sentiment":"neutral","sentiment_score":0.12004756927490234},{"text":"Into 65 in each super, which is fair because then, you know, we're not separating the money at all into the our supers.","start":1548.115,"end":1555.1749,"sentiment":"neutral","sentiment_score":0.19956233579179514}],"sentiment":"neutral","sentiment_score":0.13410443346947432,"num_words":40,"start":1538.13,"end":1555.1749},{"sentences":[{"text":"That offsets our capital gain straight up, but it helps us in the long term with our super and our investments and stuff like that.","start":1555.315,"end":1561.71,"sentiment":"positive","sentiment_score":0.4205017352104187},{"text":"Cool.","start":1569.39,"end":1569.87,"sentiment":"neutral","sentiment_score":0.08539106696844101},{"text":"Yep.","start":1569.87,"end":1570.37,"sentiment":"neutral","sentiment_score":0.08758486807346344},{"text":"Okay.","start":1572.51,"end":1573.01,"sentiment":"neutral","sentiment_score":0.08361610770225525},{"text":"Yep.","start":1573.965,"end":1574.125,"sentiment":"neutral","sentiment_score":0.08154569566249847}],"sentiment":"positive","sentiment_score":0.3741614178850733,"num_words":29,"start":1555.315,"end":1574.125},{"sentences":[{"text":"And then once we contribute long as we contribute before the financial year.","start":1574.125,"end":1577.725,"sentiment":"neutral","sentiment_score":0.047748369379685476},{"text":"Is that right?","start":1577.725,"end":1578.365,"sentiment":"neutral","sentiment_score":0.055466619630654655},{"text":"Before yeah.","start":1578.365,"end":1579.905,"sentiment":"neutral","sentiment_score":0.0353319114074111},{"text":"I so I'll just make an appointment for the end of this week beginning of next, I think you 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still pay the normal tax.","start":1622.12,"end":1623.74,"sentiment":"neutral","sentiment_score":-0.06881586586435635},{"text":"Yep.","start":1625.0801,"end":1625.5801,"sentiment":"neutral","sentiment_score":-0.03372899815440178},{"text":"No.","start":1628.04,"end":1628.54,"sentiment":"neutral","sentiment_score":-0.09719289839267732},{"text":"Yeah.","start":1631.875,"end":1632.375,"sentiment":"neutral","sentiment_score":0.10779602825641632}],"sentiment":"neutral","sentiment_score":-0.03563419841229916,"num_words":10,"start":1621.88,"end":1632.375},{"sentences":[{"text":"Yeah.","start":1633.475,"end":1633.7949,"sentiment":"neutral","sentiment_score":0.09809208661317824},{"text":"No.","start":1633.7949,"end":1633.955,"sentiment":"neutral","sentiment_score":0.06959998607635498},{"text":"That's fine.","start":1633.955,"end":1634.355,"sentiment":"neutral","sentiment_score":0.2657628357410431},{"text":"That's cool.","start":1634.355,"end":1634.755,"sentiment":"positive","sentiment_score":0.6764201819896698},{"text":"That's I just thought I sort of yeah.","start":1634.755,"end":1636.455,"sentiment":"neutral","sentiment_score":0.20578685775399208}],"sentiment":"neutral","sentiment_score":0.2641680692987783,"num_words":14,"start":1633.475,"end":1636.455},{"sentences":[{"text":"Excellent.","start":1636.6749,"end":1637.1749,"sentiment":"positive","sentiment_score":0.6605255007743835},{"text":"And that still tops both houses up to give us a bit more money towards it anyways.","start":1637.315,"end":1640.995,"sentiment":"neutral","sentiment_score":0.2738461196422577},{"text":"We're not really losing that money.","start":1640.995,"end":1642.275,"sentiment":"neutral","sentiment_score":0.3149946878353755},{"text":"It's gaining us to a degree without having to pay the tax, man.","start":1642.275,"end":1645.6699,"sentiment":"neutral","sentiment_score":0.2591070177463385},{"text":"Yeah.","start":1646.7699,"end":1647.2699,"sentiment":"neutral","sentiment_score":0.009845918975770472}],"sentiment":"neutral","sentiment_score":0.27852933714166284,"num_words":38,"start":1636.6749,"end":1647.2699},{"sentences":[{"text":"Yeah.","start":1653.4099,"end":1653.9099,"sentiment":"neutral","sentiment_score":0.011390154249966145},{"text":"Yes.","start":1668.435,"end":1668.935,"sentiment":"neutral","sentiment_score":0.057990480214357376},{"text":"Yes.","start":1671.48,"end":1671.98,"sentiment":"neutral","sentiment_score":0.12577076256275177},{"text":"Yes.","start":1677.08,"end":1677.58,"sentiment":"neutral","sentiment_score":0.2557646930217743},{"text":"Yes.","start":1682.84,"end":1683.34,"sentiment":"neutral","sentiment_score":0.13822828233242035}],"sentiment":"neutral","sentiment_score":0.11782887447625398,"num_words":5,"start":1653.4099,"end":1683.34},{"sentences":[{"text":"Yeah.","start":1695.0751,"end":1695.5751,"sentiment":"neutral","sentiment_score":0.06297703087329865},{"text":"Yep.","start":1709.7999,"end":1710.2999,"sentiment":"neutral","sentiment_score":-0.005250647664070129},{"text":"I think that I think that would work better.","start":1710.84,"end":1713.475,"sentiment":"neutral","sentiment_score":-0.04241063569982847},{"text":"I've got to go and get catch up with it.","start":1713.9349,"end":1715.5349,"sentiment":"neutral","sentiment_score":0.010642679780721665},{"text":"How do I get a hold of you, Nerissa?","start":1715.5349,"end":1717.1349,"sentiment":"neutral","sentiment_score":0.018376610138350062}],"sentiment":"neutral","sentiment_score":-0.0017384349678953488,"num_words":30,"start":1695.0751,"end":1717.1349},{"sentences":[{"text":"Because I haven't got any emails or anything through.","start":1717.1349,"end":1721.215,"sentiment":"neutral","sentiment_score":-0.10691518005397585},{"text":"I've only got the number that Fabian's rung me on.","start":1721.215,"end":1723.715,"sentiment":"neutral","sentiment_score":-0.06466288268566131},{"text":"Yep.","start":1729.09,"end":1729.59,"sentiment":"neutral","sentiment_score":0.08274829387664795},{"text":"Okay.","start":1739.255,"end":1739.655,"sentiment":"positive","sentiment_score":0.34983164072036743},{"text":"Yeah.","start":1739.655,"end":1739.895,"sentiment":"positive","sentiment_score":0.4851871430873871}],"sentiment":"neutral","sentiment_score":-0.03141356225718151,"num_words":22,"start":1717.1349,"end":1739.895},{"sentences":[{"text":"Cool.","start":1739.895,"end":1740.215,"sentiment":"positive","sentiment_score":0.7622343301773071},{"text":"That would that would be great.","start":1740.215,"end":1741.595,"sentiment":"positive","sentiment_score":0.8372556368509928},{"text":"Now I've signed all those paperwork.","start":1741.735,"end":1743.735,"sentiment":"positive","sentiment_score":0.3528599590063095},{"text":"So that means now that I you're taking over, getting more that sort of stuff now with my super and bits and pieces.","start":1743.735,"end":1751.515,"sentiment":"neutral","sentiment_score":0.24469283158364502},{"text":"Okay.","start":1756.91,"end":1757.41,"sentiment":"neutral","sentiment_score":0.12580052018165588}],"sentiment":"positive","sentiment_score":0.3690990149169355,"num_words":37,"start":1739.895,"end":1757.41},{"sentences":[{"text":"Yep.","start":1757.9501,"end":1758.4501,"sentiment":"neutral","sentiment_score":0.08307425677776337},{"text":"Yep.","start":1765.0701,"end":1765.5701,"sentiment":"neutral","sentiment_score":0.0948139876127243},{"text":"Yes.","start":1773.545,"end":1774.045,"sentiment":"neutral","sentiment_score":0.2144004851579666},{"text":"Yep.","start":1778.04,"end":1778.54,"sentiment":"neutral","sentiment_score":0.12160544097423552},{"text":"Yep.","start":1786.0276,"end":1786.5276,"sentiment":"neutral","sentiment_score":0.08924480527639389}],"sentiment":"neutral","sentiment_score":0.12062779515981674,"num_words":5,"start":1757.9501,"end":1786.5276},{"sentences":[{"text":"Yeah.","start":1794.495,"end":1794.8151,"sentiment":"neutral","sentiment_score":0.10454024374485016},{"text":"Okay.","start":1794.8151,"end":1795.3151,"sentiment":"neutral","sentiment_score":0.13605141639709473},{"text":"That sounds like the planning.","start":1796.015,"end":1797.555,"sentiment":"neutral","sentiment_score":0.30813717246055605},{"text":"Yeah.","start":1797.935,"end":1798.335,"sentiment":"neutral","sentiment_score":0.15549159049987793},{"text":"No.","start":1798.335,"end":1798.495,"sentiment":"neutral","sentiment_score":0.02593691647052765}],"sentiment":"neutral","sentiment_score":0.21807844771279228,"num_words":9,"start":1794.495,"end":1798.495},{"sentences":[{"text":"That sounds good because I mean 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completely to my income protection because I wouldn't be able to get anything better than what I'm getting at the moment.","start":1841.92,"end":1854.955,"sentiment":"neutral","sentiment_score":0.04741051615703674},{"text":"Is that right?","start":1854.955,"end":1855.855,"sentiment":"neutral","sentiment_score":0.06903577720125516},{"text":"Yes.","start":1857.6749,"end":1858.1749,"sentiment":"neutral","sentiment_score":0.19464878737926483}],"sentiment":"neutral","sentiment_score":0.09173915915191173,"num_words":50,"start":1840.48,"end":1858.1749},{"sentences":[{"text":"Yep.","start":1865.85,"end":1866.35,"sentiment":"neutral","sentiment_score":0.16810034215450287},{"text":"Yep.","start":1877.29,"end":1877.53,"sentiment":"neutral","sentiment_score":0.16522032022476196},{"text":"Yep.","start":1877.53,"end":1878.03,"sentiment":"neutral","sentiment_score":0.21142348647117615},{"text":"Yeah.","start":1894.72,"end":1895.22,"sentiment":"neutral","sentiment_score":0.13288754224777222},{"text":"Yeah.","start":1902.7999,"end":1903.2999,"sentiment":"neutral","sentiment_score":-0.0828346461057663}],"sentiment":"neutral","sentiment_score":0.11895940899848938,"num_words":5,"start":1865.85,"end":1903.2999},{"sentences":[{"text":"Yeah.","start":1911.5249,"end":1911.9249,"sentiment":"neutral","sentiment_score":-0.016185462474822998},{"text":"Yeah.","start":1911.9249,"end":1912.245,"sentiment":"neutral","sentiment_score":-0.01889988034963608},{"text":"I think it's, like, $2.02 20 $230 a a week or a fortnight, I think it was.","start":1912.245,"end":1920.2649,"sentiment":"neutral","sentiment_score":-0.03121833985342699},{"text":"A fortnight.","start":1920.45,"end":1921.35,"sentiment":"neutral","sentiment_score":-0.04454806540161371},{"text":"Something like that.","start":1921.49,"end":1922.21,"sentiment":"neutral","sentiment_score":-0.07029665634036064}],"sentiment":"neutral","sentiment_score":-0.03607430083987614,"num_words":24,"start":1911.5249,"end":1922.21},{"sentences":[{"text":"Yeah.","start":1922.21,"end":1922.71,"sentiment":"neutral","sentiment_score":-0.04158487543463707},{"text":"No.","start":1927.73,"end":1927.97,"sentiment":"neutral","sentiment_score":-0.3068273067474365},{"text":"That's okay.","start":1927.97,"end":1928.7899,"sentiment":"neutral","sentiment_score":-0.2961302846670151},{"text":"Yeah.","start":1932.45,"end":1932.95,"sentiment":"neutral","sentiment_score":-0.09164050221443176},{"text":"Yep.","start":1937.135,"end":1937.635,"sentiment":"neutral","sentiment_score":-0.1335791051387787}],"sentiment":"neutral","sentiment_score":-0.1943153931448857,"num_words":6,"start":1922.21,"end":1937.635},{"sentences":[{"text":"Yep.","start":1945.535,"end":1946.035,"sentiment":"neutral","sentiment_score":0.06993957608938217},{"text":"Yep.","start":1953.27,"end":1953.77,"sentiment":"neutral","sentiment_score":-0.002979536773636937},{"text":"Yep.","start":1956.15,"end":1956.63,"sentiment":"neutral","sentiment_score":0.1081843227148056},{"text":"So alright.","start":1956.63,"end":1957.59,"sentiment":"neutral","sentiment_score":0.10697425901889801},{"text":"Now with my employer's tax contributions in my super, does that stay in the Chester or do I have to get it transferred to another account with you?","start":1957.59,"end":1968.575,"sentiment":"neutral","sentiment_score":-0.003164189535060099}],"sentiment":"neutral","sentiment_score":0.00910592645717164,"num_words":33,"start":1945.535,"end":1968.575},{"sentences":[{"text":"Or how does that like, my HR?","start":1968.575,"end":1971.3949,"sentiment":"neutral","sentiment_score":-0.018505268996315345},{"text":"Yep.","start":1974.4149,"end":1974.9149,"sentiment":"neutral","sentiment_score":0.17365717887878418},{"text":"Yep.","start":1982.51,"end":1983.01,"sentiment":"neutral","sentiment_score":-0.04828505963087082},{"text":"Yep.","start":1985.31,"end":1985.79,"sentiment":"neutral","sentiment_score":-0.010181955061852932},{"text":"Cool.","start":1985.79,"end":1985.9501,"sentiment":"neutral","sentiment_score":0.006747990846633911}],"sentiment":"neutral","sentiment_score":-0.0006907934492284602,"num_words":11,"start":1968.575,"end":1985.9501},{"sentences":[{"text":"So, basically, everything stays the same.","start":1985.9501,"end":1989.01,"sentiment":"neutral","sentiment_score":0.0737809141476949},{"text":"Yep.","start":1989.285,"end":1989.785,"sentiment":"neutral","sentiment_score":0.10615500062704086},{"text":"Okay.","start":1996.5651,"end":1997.0651,"sentiment":"neutral","sentiment_score":0.151708722114563},{"text":"Yep.","start":2001.2051,"end":2001.7051,"sentiment":"neutral","sentiment_score":0.19971749186515808},{"text":"Okay.","start":2004.76,"end":2005.26,"sentiment":"neutral","sentiment_score":0.0838840901851654}],"sentiment":"neutral","sentiment_score":0.09841507896780968,"num_words":10,"start":1985.9501,"end":2005.26},{"sentences":[{"text":"No worries.","start":2006.04,"end":2006.52,"sentiment":"neutral","sentiment_score":0.06421485915780067},{"text":"Yeah.","start":2006.52,"end":2006.6799,"sentiment":"neutral","sentiment_score":0.03656651824712753},{"text":"I was just wondering.","start":2006.6799,"end":2007.4,"sentiment":"neutral","sentiment_score":0.0013986495323479176},{"text":"Yeah.","start":2007.4,"end":2007.5599,"sentiment":"neutral","sentiment_score":0.00247042253613472},{"text":"Because I thought if that happens, where does my my contact my super from my boss goes into?","start":2007.5599,"end":2013.82,"sentiment":"neutral","sentiment_score":-0.00014822521350449987}],"sentiment":"neutral","sentiment_score":0.0065535847455836255,"num_words":26,"start":2006.04,"end":2013.82},{"sentences":[{"text":"Because I get from a couple of places.","start":2013.88,"end":2016.04,"sentiment":"neutral","sentiment_score":0.026214669924229383},{"text":"So yeah.","start":2016.04,"end":2016.95,"sentiment":"neutral","sentiment_score":0.22098079323768616},{"text":"That's all good.","start":2017.115,"end":2017.515,"sentiment":"positive","sentiment_score":0.3421665628751119},{"text":"So it just stays the same, basically.","start":2017.515,"end":2019.135,"sentiment":"neutral","sentiment_score":0.15897864741938456},{"text":"Yep.","start":2021.115,"end":2021.615,"sentiment":"neutral","sentiment_score":0.062389910221099854}],"sentiment":"neutral","sentiment_score":0.1358770988881588,"num_words":21,"start":2013.88,"end":2021.615},{"sentences":[{"text":"Okay.","start":2027.1951,"end":2027.6951,"sentiment":"neutral","sentiment_score":0.03404877334833145},{"text":"And to get access to what I'm at the end of the I mean, I'm not that I access my history often anyway, but if I wanted to access what's in the accounts and stuff, does that go I go through you with that?","start":2028.555,"end":2038.9299,"sentiment":"neutral","sentiment_score":0.005755968116731806},{"text":"Do I get access, like, as a Yep.","start":2038.9299,"end":2048.0352,"sentiment":"neutral","sentiment_score":0.018988785101100802},{"text":"Yep.","start":2051.855,"end":2052.355,"sentiment":"neutral","sentiment_score":0.12065128982067108},{"text":"Yep.","start":2058.02,"end":2058.52,"sentiment":"neutral","sentiment_score":0.0587528720498085}],"sentiment":"neutral","sentiment_score":0.011247742057523944,"num_words":55,"start":2027.1951,"end":2058.52},{"sentences":[{"text":"Yes.","start":2073.355,"end":2073.855,"sentiment":"neutral","sentiment_score":0.28245800733566284},{"text":"Yeah.","start":2084.5298,"end":2084.69,"sentiment":"neutral","sentiment_score":0.038696639239788055},{"text":"I should've asked all this before I signed up.","start":2084.69,"end":2086.3699,"sentiment":"neutral","sentiment_score":-0.014742159937870584},{"text":"But I just thought I just it was just rolled on the way it rolled on.","start":2086.3699,"end":2088.7698,"sentiment":"neutral","sentiment_score":-0.14404423953965306},{"text":"I said, oh, I probably didn't ask that, and I didn't ask this.","start":2088.7698,"end":2090.6099,"sentiment":"neutral","sentiment_score":-0.15705908491061285}],"sentiment":"neutral","sentiment_score":-0.103950018233445,"num_words":40,"start":2073.355,"end":2090.6099},{"sentences":[{"text":"I'm thinking that because I just did the failure and said, you know how you think all of a sudden you get that horrible shock, am I being big, you know, how everyone gets a super out of super?","start":2090.6099,"end":2098.945,"sentiment":"neutral","sentiment_score":-0.26237163291527676},{"text":"And I'm like, oh, maybe if it's a legit, I'm thinking, you know, just get that whole minute of panic and think, oh, shit.","start":2098.945,"end":2104.305,"sentiment":"neutral","sentiment_score":-0.27859608301271993},{"text":"Am I really be stupid?","start":2104.305,"end":2105.445,"sentiment":"negative","sentiment_score":-0.4551863670349121},{"text":"So but I know that I have toys, big pals, and and everything like that, and I wouldn't do that.","start":2106.145,"end":2110.785,"sentiment":"neutral","sentiment_score":-0.19390258900821208},{"text":"Like, it's very hard, like, to get toys accesses and stuff.","start":2110.785,"end":2114.05,"sentiment":"neutral","sentiment_score":-0.18492029404098337}],"sentiment":"neutral","sentiment_score":-0.2536051164221282,"num_words":99,"start":2090.6099,"end":2114.05},{"sentences":[{"text":"So and who is with us, so that was a bit more very inspiring.","start":2114.05,"end":2117.75,"sentiment":"neutral","sentiment_score":0.15892117403979814},{"text":"I thought, okay.","start":2117.8,"end":2118.95,"sentiment":"neutral","sentiment_score":0.13386043161153793},{"text":"Yep.","start":2129.945,"end":2130.425,"sentiment":"neutral","sentiment_score":0.15030935406684875},{"text":"That's cool.","start":2130.425,"end":2130.905,"sentiment":"neutral","sentiment_score":0.29640160501003265},{"text":"Because I like I said, at the moment, I don't have any contact for you at all.","start":2130.905,"end":2133.965,"sentiment":"neutral","sentiment_score":-0.2044660755816628}],"sentiment":"neutral","sentiment_score":-0.002873864578636916,"num_words":37,"start":2114.05,"end":2133.965},{"sentences":[{"text":"Only what the the number Fabian rang me on.","start":2134.425,"end":2137.68,"sentiment":"neutral","sentiment_score":-0.17951453725496927},{"text":"I don't have any other contact for you.","start":2138.5598,"end":2141.44,"sentiment":"neutral","sentiment_score":-0.21062956750392914},{"text":"So but, yeah, I'll probably need that if to bring you back next week once I get the tax accountant figure and then go from there.","start":2141.44,"end":2150.5,"sentiment":"neutral","sentiment_score":-0.04040870199409815},{"text":"Alright.","start":2152.065,"end":2152.565,"sentiment":"positive","sentiment_score":0.5214487314224243},{"text":"All good.","start":2154.385,"end":2155.125,"sentiment":"positive","sentiment_score":0.7409156560897827}],"sentiment":"neutral","sentiment_score":-0.05104377355588519,"num_words":46,"start":2134.425,"end":2155.125},{"sentences":[{"text":"Was there anything else I had to sign?","start":2156.225,"end":2158.005,"sentiment":"neutral","sentiment_score":0.16023377981036901},{"text":"Yes.","start":2180.205,"end":2180.705,"sentiment":"neutral","sentiment_score":0.24563026428222656},{"text":"Yep.","start":2192.82,"end":2193.32,"sentiment":"neutral","sentiment_score":0.19968628883361816},{"text":"So next week next yeah.","start":2201.54,"end":2204.1802,"sentiment":"neutral","sentiment_score":0.16663124971091747},{"text":"Next week, Monday, Tuesday is out because I'm doing ten hour days.","start":2204.1802,"end":2208.165,"sentiment":"neutral","sentiment_score":0.06979882841308911}],"sentiment":"neutral","sentiment_score":0.12584922152260938,"num_words":27,"start":2156.225,"end":2208.165},{"sentences":[{"text":"Wednesday, Thursday, or Friday, a good call, but Wednesday and Friday in the morning before twelve.","start":2209.445,"end":2215.545,"sentiment":"neutral","sentiment_score":0.15421820152550936},{"text":"If you wanna if it's gonna be a a more than a half hour phone call, you need to ring me about 09:00 in the morning, my time, I think, which is maybe ten or 11:00 your time because you're ahead of us.","start":2216.0051,"end":2229.66,"sentiment":"neutral","sentiment_score":0.02885221910857877},{"text":"Yeah.","start":2231.64,"end":2232.04,"sentiment":"neutral","sentiment_score":0.0346837043762207},{"text":"Because I I if it's gonna be that I actually have to be showered and gone by sort of twelve to go to work, It takes me forty five minutes an hour to get to work.","start":2232.04,"end":2240.5051,"sentiment":"neutral","sentiment_score":-0.023150876992278628},{"text":"But if we make it I'll tell you what.","start":2242.485,"end":2244.085,"sentiment":"neutral","sentiment_score":-0.012449224893417623}],"sentiment":"neutral","sentiment_score":0.02664138813990922,"num_words":105,"start":2209.445,"end":2244.085},{"sentences":[{"text":"If we make it Thursday afternoon, I actually get home here at 02:00.","start":2244.085,"end":2247.685,"sentiment":"neutral","sentiment_score":-0.04724490785828003},{"text":"I mean, that's too late for you guys.","start":2247.685,"end":2248.9253,"sentiment":"negative","sentiment_score":-0.3418862335383892},{"text":"I think because then it makes it 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Thursday.","start":2266.785,"end":2270.645,"sentiment":"neutral","sentiment_score":0.17076492433746657},{"text":"Yeah.","start":2278.865,"end":2279.105,"sentiment":"neutral","sentiment_score":0.11452096700668336},{"text":"Because I I I've got a morning that day.","start":2279.105,"end":2281.025,"sentiment":"neutral","sentiment_score":0.08088189197911157}],"sentiment":"neutral","sentiment_score":0.11557817874116856,"num_words":57,"start":2257.24,"end":2281.025},{"sentences":[{"text":"It's only a half shift.","start":2281.025,"end":2282.28,"sentiment":"neutral","sentiment_score":0.039570499956607816},{"text":"But the other days yeah.","start":2282.84,"end":2285.5,"sentiment":"neutral","sentiment_score":0.02155565619468689},{"text":"It'd be easier if I'm just not I'm not gonna go anywhere for the rest of the day.","start":2285.8,"end":2288.86,"sentiment":"neutral","sentiment_score":-0.009145546238869429},{"text":"Yep.","start":2298.025,"end":2298.525,"sentiment":"neutral","sentiment_score":0.2715398669242859},{"text":"Yep.","start":2301.065,"end":2301.545,"sentiment":"positive","sentiment_score":0.33423933386802673}],"sentiment":"neutral","sentiment_score":0.024893004974971215,"num_words":30,"start":2281.025,"end":2301.545},{"sentences":[{"text":"That will be good.","start":2301.545,"end":2302.345,"sentiment":"positive","sentiment_score":0.5473672747612},{"text":"Alright.","start":2302.345,"end":2302.845,"sentiment":"neutral","sentiment_score":0.1981346607208252},{"text":"Okay.","start":2303.385,"end":2303.625,"sentiment":"neutral","sentiment_score":0.12465811520814896},{"text":"So you're gonna send me information through your email and email me with information, your contact 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through?","start":2325.455,"end":2328.5151,"sentiment":"neutral","sentiment_score":-0.0684371826549371}],"sentiment":"neutral","sentiment_score":-0.051174902046720185,"num_words":21,"start":2322.5498,"end":2328.5151},{"sentences":[{"text":"Oh, yeah.","start":2330.3352,"end":2330.735,"sentiment":"neutral","sentiment_score":0.007334591820836067},{"text":"So that's why it came through through the email.","start":2330.735,"end":2332.895,"sentiment":"neutral","sentiment_score":0.011632468240956465},{"text":"Cool.","start":2332.895,"end":2333.215,"sentiment":"neutral","sentiment_score":0.20706205070018768},{"text":"Alright.","start":2333.215,"end":2333.455,"sentiment":"neutral","sentiment_score":0.08701743185520172},{"text":"So you got the right email.","start":2333.455,"end":2334.415,"sentiment":"neutral","sentiment_score":0.0465887114405632}],"sentiment":"neutral","sentiment_score":0.03647227100047626,"num_words":19,"start":2330.3352,"end":2334.415},{"sentences":[{"text":"I have problems with my email.","start":2334.415,"end":2335.615,"sentiment":"neutral","sentiment_score":-0.2568415105342865},{"text":"People send the wrong put the wrong number, like, the actual initials down.","start":2335.615,"end":2339.6401,"sentiment":"neutral","sentiment_score":-0.1804038962492576},{"text":"But that's good.","start":2340.26,"end":2341.32,"sentiment":"neutral","sentiment_score":0.08976277336478233},{"text":"Yeah.","start":2341.46,"end":2341.86,"sentiment":"neutral","sentiment_score":0.009814074262976646},{"text":"Like, I think it's an s is an f, and then I'm like, I didn't get the email.","start":2341.86,"end":2345.1401,"sentiment":"neutral","sentiment_score":-0.037018373505108886}],"sentiment":"neutral","sentiment_score":-0.10423239129709035,"num_words":41,"start":2334.415,"end":2345.1401},{"sentences":[{"text":"And they're like, well, what's your I said, yeah.","start":2345.1401,"end":2347.1602,"sentiment":"neutral","sentiment_score":0.005911549656755394},{"text":"So all good.","start":2347.7002,"end":2349.48,"sentiment":"neutral","sentiment_score":0.21695923308531442},{"text":"I just with the with the PM yeah.","start":2354.995,"end":2357.3152,"sentiment":"neutral","sentiment_score":-0.059010043274611235},{"text":"With the Outlook account, I always have a bit of issues with the but that's our joint email.","start":2357.3152,"end":2361.475,"sentiment":"neutral","sentiment_score":-0.07806191841761272},{"text":"So it's easy to I can see what's going on and what's happening if we have a joint email.","start":2361.475,"end":2365.335,"sentiment":"neutral","sentiment_score":0.1655915587356216}],"sentiment":"neutral","sentiment_score":0.034616252358414625,"num_words":57,"start":2345.1401,"end":2365.335},{"sentences":[{"text":"Because he can say, oh, what yeah.","start":2366.46,"end":2368.38,"sentiment":"neutral","sentiment_score":0.05236219455088888},{"text":"So he's like, what do you got going on here?","start":2368.38,"end":2370.3,"sentiment":"neutral","sentiment_score":0.030386071652173996},{"text":"And I'm like, oh, well, this is from this.","start":2370.3,"end":2371.98,"sentiment":"neutral","sentiment_score":0.0424968825860156},{"text":"He goes, oh, okay.","start":2371.98,"end":2372.62,"sentiment":"neutral","sentiment_score":0.05908551998436451},{"text":"Because then he's got all the information as well.","start":2372.62,"end":2374.64,"sentiment":"neutral","sentiment_score":0.05955407354566786}],"sentiment":"neutral","sentiment_score":0.04679991701283516,"num_words":39,"start":2366.46,"end":2374.64},{"sentences":[{"text":"If anything happens to me or whenever, he's got access to that email.","start":2375.34,"end":2379.36,"sentiment":"neutral","sentiment_score":0.008386473386333538},{"text":"The other one's just for, like, you know, after paying shit like that is the other shitty account that I still give you.","start":2379.66,"end":2385.855,"sentiment":"neutral","sentiment_score":0.009945116127314775},{"text":"You know, you're gonna get thousands of emails through, like, notifications.","start":2385.855,"end":2388.9949,"sentiment":"neutral","sentiment_score":0.054729116572575134},{"text":"So all good.","start":2390.815,"end":2392.915,"sentiment":"positive","sentiment_score":0.38899487257003784},{"text":"Yeah.","start":2396.89,"end":2397.05,"sentiment":"neutral","sentiment_score":0.04755048081278801}],"sentiment":"neutral","sentiment_score":0.04224151383866282,"num_words":51,"start":2375.34,"end":2397.05},{"sentences":[{"text":"Hey.","start":2397.05,"end":2397.21,"sentiment":"neutral","sentiment_score":0.05397140234708786},{"text":"That's it.","start":2397.21,"end":2398.11,"sentiment":"neutral","sentiment_score":0.062106361612677574},{"text":"Alright.","start":2399.3699,"end":2399.8699,"sentiment":"neutral","sentiment_score":0.1090349778532982},{"text":"Okay.","start":2399.93,"end":2400.25,"sentiment":"neutral","sentiment_score":0.09440574049949646},{"text":"So you'll send that information through.","start":2400.25,"end":2401.93,"sentiment":"neutral","sentiment_score":0.08512146398425102}],"sentiment":"neutral","sentiment_score":0.08112305707552216,"num_words":11,"start":2397.05,"end":2401.93},{"sentences":[{"text":"I haven't got it yet, but I'll wait for it.","start":2401.93,"end":2404.25,"sentiment":"neutral","sentiment_score":0.04978350531309843},{"text":"And then I'll hear from you next Thursday.","start":2404.25,"end":2406.89,"sentiment":"neutral","sentiment_score":0.0813575740903616},{"text":"Hopefully, I'll I'll get on to Troy now to organize that packs because he gets a bit way late.","start":2406.89,"end":2412.0251,"sentiment":"neutral","sentiment_score":0.027248320218763854},{"text":"He gets forgetful without doing it.","start":2412.0251,"end":2415.7852,"sentiment":"neutral","sentiment_score":-0.08015400419632594},{"text":"So I'll get him to make sure that's done before the twenty third.","start":2415.7852,"end":2418.605,"sentiment":"neutral","sentiment_score":0.0070775106835823795}],"sentiment":"neutral","sentiment_score":0.022812452566410815,"num_words":56,"start":2401.93,"end":2418.605},{"sentences":[{"text":"Let me just check the spam.","start":2428.64,"end":2430.0999,"sentiment":"neutral","sentiment_score":-0.04823844414204359},{"text":"I'll just check oh, here we go.","start":2430.72,"end":2432.0798,"sentiment":"neutral","sentiment_score":-0.02887745520898274},{"text":"It's in the spam.","start":2432.0798,"end":2432.96,"sentiment":"neutral","sentiment_score":-0.09264101460576057},{"text":"See?","start":2432.96,"end":2433.46,"sentiment":"neutral","sentiment_score":-0.08713257312774658},{"text":"That's it.","start":2434.96,"end":2435.6199,"sentiment":"neutral","sentiment_score":-0.1403232142329216}],"sentiment":"neutral","sentiment_score":-0.06149579556658864,"num_words":20,"start":2428.64,"end":2435.6199},{"sentences":[{"text":"Yeah.","start":2437.1199,"end":2437.28,"sentiment":"neutral","sentiment_score":-0.04254661500453949},{"text":"I lately, you know, like, every time since I've sent it and then like I said, I'm thinking, oh, let me just go and put it in out of the spam box because it quite often does go in there.","start":2437.28,"end":2445.745,"sentiment":"neutral","sentiment_score":-0.053512349678203466},{"text":"Cool.","start":2448.925,"end":2449.245,"sentiment":"neutral","sentiment_score":0.32910487055778503},{"text":"Alright.","start":2449.245,"end":2449.405,"sentiment":"neutral","sentiment_score":0.2321397066116333},{"text":"So that's come back in the other account.","start":2449.405,"end":2450.7651,"sentiment":"neutral","sentiment_score":0.1790165901184082}],"sentiment":"neutral","sentiment_score":-0.0037188883140390995,"num_words":51,"start":2437.1199,"end":2450.7651},{"sentences":[{"text":"Cool.","start":2450.7651,"end":2450.925,"sentiment":"neutral","sentiment_score":0.30902713537216187},{"text":"Now I've got it.","start":2450.925,"end":2451.485,"sentiment":"neutral","sentiment_score":0.26275133341550827},{"text":"Thank you so much for that.","start":2451.485,"end":2452.685,"sentiment":"positive","sentiment_score":0.5831741988658905},{"text":"I just thought, yeah.","start":2452.685,"end":2454.41,"sentiment":"neutral","sentiment_score":0.08206372335553169},{"text":"Still come through.","start":2455.91,"end":2456.89,"sentiment":"neutral","sentiment_score":0.03150039662917455}],"sentiment":"neutral","sentiment_score":0.2934352080855105,"num_words":18,"start":2450.7651,"end":2456.89},{"sentences":[{"text":"Yeah.","start":2463.67,"end":2464.17,"sentiment":"neutral","sentiment_score":0.16434013843536377},{"text":"Yeah.","start":2467.27,"end":2467.5898,"sentiment":"neutral","sentiment_score":0.07024300843477249},{"text":"No.","start":2467.5898,"end":2467.8298,"sentiment":"neutral","sentiment_score":-0.027779273688793182},{"text":"That's good.","start":2467.8298,"end":2468.39,"sentiment":"neutral","sentiment_score":0.21559256315231323},{"text":"I like just it was just that switching second where you think, oh, you know, you hear that thing on the telly that way, but everyone being spammed.","start":2468.39,"end":2474.365,"sentiment":"neutral","sentiment_score":0.05500082405550139}],"sentiment":"neutral","sentiment_score":0.06600036584969723,"num_words":33,"start":2463.67,"end":2474.365},{"sentences":[{"text":"Oh my god.","start":2474.365,"end":2474.925,"sentiment":"neutral","sentiment_score":-0.12867660323778787},{"text":"Am I being spammed?","start":2474.925,"end":2475.905,"sentiment":"neutral","sentiment_score":-0.12350972555577755},{"text":"Like yeah.","start":2476.285,"end":2476.925,"sentiment":"neutral","sentiment_score":-0.07630737870931625},{"text":"It's but it's all good.","start":2476.925,"end":2478.225,"sentiment":"neutral","sentiment_score":0.061956757307052614},{"text":"So no.","start":2478.925,"end":2479.325,"sentiment":"neutral","sentiment_score":-0.033723849803209305}],"sentiment":"neutral","sentiment_score":-0.04939671140164137,"num_words":16,"start":2474.365,"end":2479.325},{"sentences":[{"text":"Because I mean, he's got all sorts of details and that's pretty hard to get when you and he's gonna bring it up straight away so it's all good.","start":2479.325,"end":2491.71,"sentiment":"neutral","sentiment_score":-0.06271390218673081},{"text":"Yeah.","start":2493.47,"end":2493.71,"sentiment":"neutral","sentiment_score":0.11185389757156372},{"text":"Yep.","start":2493.71,"end":2494.21,"sentiment":"neutral","sentiment_score":0.10699796676635742},{"text":"Well, if it's Thursday afternoon, I might even go down to his work and and because he's in a and he's got his own office in a big shed that he's on his own in.","start":2494.6702,"end":2501.755,"sentiment":"neutral","sentiment_score":0.0936186786208834},{"text":"So I can probably go down on Thursday from work and just go straight there and have the conversation there.","start":2501.755,"end":2507.775,"sentiment":"neutral","sentiment_score":0.10875087641179562}],"sentiment":"neutral","sentiment_score":0.04478860442894836,"num_words":86,"start":2479.325,"end":2507.775},{"sentences":[{"text":"And he can ask questions if need be then.","start":2508.555,"end":2510.655,"sentiment":"neutral","sentiment_score":0.07246194283167522},{"text":"So that will work.","start":2511.49,"end":2512.55,"sentiment":"neutral","sentiment_score":0.18642451241612434},{"text":"Yeah.","start":2513.1702,"end":2513.6501,"sentiment":"neutral","sentiment_score":0.11610016226768494},{"text":"It'd be easier if I go to him and him come home for that.","start":2513.6501,"end":2517.6702,"sentiment":"neutral","sentiment_score":0.1126863554652248},{"text":"But yeah.","start":2518.29,"end":2519.1702,"sentiment":"neutral","sentiment_score":0.10205583646893501}],"sentiment":"neutral","sentiment_score":0.10985587822894255,"num_words":30,"start":2508.555,"end":2519.1702},{"sentences":[{"text":"He can stop and say if he's not traveling out and about, but I'll see if he can stay try and get all his runs out in the morning early so he can be there in the afternoon.","start":2519.1702,"end":2527.345,"sentiment":"neutral","sentiment_score":0.10591415345276657},{"text":"Bye.","start":2528.5251,"end":2528.925,"sentiment":"neutral","sentiment_score":0.1506156623363495},{"text":"All good.","start":2528.925,"end":2529.485,"sentiment":"neutral","sentiment_score":0.31935979425907135},{"text":"Alright.","start":2529.485,"end":2529.725,"sentiment":"positive","sentiment_score":0.34017249941825867},{"text":"Thanks so much, Nerissa.","start":2529.725,"end":2530.925,"sentiment":"positive","sentiment_score":0.5829523503780365}],"sentiment":"neutral","sentiment_score":0.16274032571717448,"num_words":46,"start":2519.1702,"end":2530.925},{"sentences":[{"text":"I really appreciate that.","start":2530.925,"end":2532.305,"sentiment":"positive","sentiment_score":0.5094424709677696},{"text":"Give me a bit of peace of thought.","start":2533.645,"end":2536.385,"sentiment":"positive","sentiment_score":0.3618236556649208},{"text":"Yeah.","start":2542.63,"end":2543.03,"sentiment":"neutral","sentiment_score":0.2360820323228836},{"text":"Yeah.","start":2543.03,"end":2543.53,"sentiment":"positive","sentiment_score":0.35689643025398254},{"text":"Yeah.","start":2547.43,"end":2547.67,"sentiment":"neutral","sentiment_score":0.12196303904056548}],"sentiment":"positive","sentiment_score":0.3764867087205251,"num_words":15,"start":2530.925,"end":2547.67},{"sentences":[{"text":"And like I said, we're just sitting at the monks.","start":2547.67,"end":2549.67,"sentiment":"neutral","sentiment_score":0.11163280308246612},{"text":"We just don't know what to do.","start":2549.67,"end":2550.79,"sentiment":"negative","sentiment_score":-0.5116071786199298},{"text":"And I sort of retry information and sort of what to do.","start":2550.79,"end":2555.5652,"sentiment":"neutral","sentiment_score":-0.18637932712833086},{"text":"So yeah.","start":2555.5652,"end":2556.365,"sentiment":"neutral","sentiment_score":0.056689947843551636},{"text":"If we can even if we just offset that a little bit to get the capital gains, it may still fit in.","start":2556.365,"end":2560.205,"sentiment":"neutral","sentiment_score":0.17426028339700264}],"sentiment":"neutral","sentiment_score":-0.014233358766672746,"num_words":53,"start":2547.67,"end":2560.205},{"sentences":[{"text":"It's gonna sit there if we're still paying a bit of the principal anyway.","start":2560.205,"end":2563.0251,"sentiment":"neutral","sentiment_score":0.14287311051573073},{"text":"And then use the house for the investment.","start":2563.485,"end":2565.985,"sentiment":"neutral","sentiment_score":0.2565904948860407},{"text":"So yeah.","start":2566.205,"end":2566.605,"sentiment":"positive","sentiment_score":0.3817563056945801},{"text":"That works out.","start":2566.605,"end":2567.34,"sentiment":"positive","sentiment_score":0.470389445622762},{"text":"Not too bad.","start":2567.58,"end":2569.2002,"sentiment":"neutral","sentiment_score":0.3318295379479726}],"sentiment":"neutral","sentiment_score":0.24077056894699733,"num_words":30,"start":2560.205,"end":2569.2002},{"sentences":[{"text":"Alright.","start":2569.26,"end":2569.74,"sentiment":"neutral","sentiment_score":0.3206188380718231},{"text":"Give me a bit of a a focus point now to sort of really think on where we wanna go and what we wanna do, which is good because before that, I sort of like, I don't know what to do.","start":2569.74,"end":2578.22,"sentiment":"neutral","sentiment_score":0.19434055795029895},{"text":"I don't know what to do.","start":2578.22,"end":2579.28,"sentiment":"neutral","sentiment_score":-0.23388224840164185},{"text":"But so it's low responsibility.","start":2579.865,"end":2583.165,"sentiment":"negative","sentiment_score":-0.4940119445323944},{"text":"It's you know, like, I don't wanna be out of sort of like I said to try.","start":2584.825,"end":2588.545,"sentiment":"neutral","sentiment_score":-0.1548976793008692}],"sentiment":"neutral","sentiment_score":0.025456685040678297,"num_words":70,"start":2569.26,"end":2588.545},{"sentences":[{"text":"I wanna when we do retire, not scrape and save and and be a little bit relaxed.","start":2588.545,"end":2593.8599,"sentiment":"neutral","sentiment_score":-0.0006000684464679045},{"text":"But be sensible, but still be comfortable enough and not have a mortgage because that's my biggest thing is that I want a mortgage when I retire.","start":2593.8599,"end":2600.1199,"sentiment":"neutral","sentiment_score":0.0289375693709762},{"text":"You know, I wanna be because I want yeah.","start":2601.7,"end":2606.3398,"sentiment":"neutral","sentiment_score":0.1571342075864474},{"text":"Exactly.","start":2606.3398,"end":2606.8398,"sentiment":"neutral","sentiment_score":0.1068699061870575},{"text":"Yeah.","start":2607.375,"end":2607.535,"sentiment":"neutral","sentiment_score":0.08377061039209366}],"sentiment":"neutral","sentiment_score":0.04319930171424692,"num_words":55,"start":2588.545,"end":2607.535},{"sentences":[{"text":"Just so we we we at the end of the day, we can't be mortgage free because, you know, most of the we can live on what we earn from our and taking smaller amounts from our super if we don't have a mortgage because that's the biggest killer, You know?","start":2607.535,"end":2620.1602,"sentiment":"neutral","sentiment_score":-0.04437357326056443},{"text":"He's paying that.","start":2620.1602,"end":2621.04,"sentiment":"neutral","sentiment_score":-0.07805209358533223},{"text":"He can pay the rates and and electricity and water is minimal.","start":2621.04,"end":2624.4202,"sentiment":"neutral","sentiment_score":-0.028767076631387074},{"text":"But, yeah, just paying mortgage.","start":2625.28,"end":2626.7202,"sentiment":"neutral","sentiment_score":-0.003244028240442276},{"text":"I think that's just a big chunk of your pay.","start":2626.7202,"end":2628.82,"sentiment":"neutral","sentiment_score":0.07582248523831367}],"sentiment":"neutral","sentiment_score":-0.025930971919018546,"num_words":81,"start":2607.535,"end":2628.82},{"sentences":[{"text":"So my aim is to be mortgage free when I retire at the end of the day.","start":2629.4402,"end":2634.5251,"sentiment":"neutral","sentiment_score":0.09366773397606962},{"text":"Yeah.","start":2636.0251,"end":2636.5251,"sentiment":"neutral","sentiment_score":0.013134047389030457},{"text":"Yeah.","start":2648.64,"end":2649.1199,"sentiment":"positive","sentiment_score":0.3690678775310517},{"text":"That's my end goal.","start":2649.1199,"end":2650.4,"sentiment":"positive","sentiment_score":0.4362139031291008},{"text":"That's my end goal.","start":2650.4,"end":2651.0398,"sentiment":"positive","sentiment_score":0.40684740245342255}],"sentiment":"neutral","sentiment_score":0.1980295786979022,"num_words":27,"start":2629.4402,"end":2651.0398},{"sentences":[{"text":"It's just to be mortgage free when we retire.","start":2651.0398,"end":2653.78,"sentiment":"neutral","sentiment_score":0.3259107867876689},{"text":"Yeah.","start":2655.5999,"end":2656.0798,"sentiment":"positive","sentiment_score":0.40893474221229553},{"text":"So all good.","start":2656.0798,"end":2657.1199,"sentiment":"positive","sentiment_score":0.5902401010195414},{"text":"Alright.","start":2657.1199,"end":2657.44,"sentiment":"positive","sentiment_score":0.5395647883415222},{"text":"Thank you.","start":2657.44,"end":2657.8398,"sentiment":"positive","sentiment_score":0.7609791457653046}],"sentiment":"positive","sentiment_score":0.44839845038950443,"num_words":16,"start":2651.0398,"end":2657.8398},{"sentences":[{"text":"And I will definitely speak to you on Thursday.","start":2657.8398,"end":2660.4,"sentiment":"positive","sentiment_score":0.44983773430188495},{"text":"I'll get on to Troy now about getting that account and organized and see exactly what capital gains we do have to pay and work out from there if we decide to just put it in our super and go in that direction.","start":2660.4,"end":2672.695,"sentiment":"positive","sentiment_score":0.3598100993522378},{"text":"So yep.","start":2673.0752,"end":2674.915,"sentiment":"neutral","sentiment_score":0.2158835008740425},{"text":"Alright.","start":2674.915,"end":2675.235,"sentiment":"positive","sentiment_score":0.44899362325668335},{"text":"Thank you so much.","start":2675.235,"end":2676.115,"sentiment":"positive","sentiment_score":0.8338835090398788}],"sentiment":"positive","sentiment_score":0.40231641596656736,"num_words":59,"start":2657.8398,"end":2676.115},{"sentences":[{"text":"I really appreciate you doing that hard work for me.","start":2676.115,"end":2678.195,"sentiment":"positive","sentiment_score":0.833371615409851},{"text":"Oh oh, it's good.","start":2678.195,"end":2679.29,"sentiment":"positive","sentiment_score":0.7035512775182724},{"text":"It gives me a focal point now where to go and where to start thinking.","start":2679.29,"end":2682.51,"sentiment":"positive","sentiment_score":0.5746436675389608},{"text":"So this is just quit chewing my thumbs.","start":2683.3699,"end":2685.15,"sentiment":"neutral","sentiment_score":0.10567472781985998},{"text":"Bye.","start":2685.6099,"end":2686.1099,"sentiment":"neutral","sentiment_score":0.13479012250900269}],"sentiment":"positive","sentiment_score":0.545993795324313,"num_words":38,"start":2676.115,"end":2686.1099},{"sentences":[{"text":"Alright.","start":2687.93,"end":2688.25,"sentiment":"neutral","sentiment_score":0.13562606275081637},{"text":"Thanks.","start":2688.25,"end":2688.75,"sentiment":"positive","sentiment_score":0.45740166306495667},{"text":"Okay.","start":2688.97,"end":2689.3699,"sentiment":"neutral","sentiment_score":0.2724907398223877},{"text":"Thanks, Marissa.","start":2689.3699,"end":2690.17,"sentiment":"positive","sentiment_score":0.529229924082756},{"text":"I'll speak to you soon.","start":2690.17,"end":2691.31,"sentiment":"positive","sentiment_score":0.3764547109603882}],"sentiment":"positive","sentiment_score":0.38062518686056135,"num_words":10,"start":2687.93,"end":2691.31},{"sentences":[{"text":"Okay.","start":2692.97,"end":2693.47,"sentiment":"neutral","sentiment_score":0.28225281834602356},{"text":"Alright.","start":2693.53,"end":2694.03,"sentiment":"neutral","sentiment_score":0.17178133130073547},{"text":"Bye.","start":2695.7354,"end":2696.2354,"sentiment":"neutral","sentiment_score":-0.0972512885928154}],"sentiment":"neutral","sentiment_score":0.11892762035131454,"num_words":3,"start":2692.97,"end":2696.2354}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. Good afternoon, my darlings.\n\nChannel 1: Hey. How are you?\n\nChannel 0: Good.\n\nChannel 1: Good.\n\nChannel 0: Good. Good. Good.\n\nChannel 1: She's lovely. She's great. She's a bit nervous. She's like a it's always scary because you see so many scary things on the TV, and you're always worried about scams, but she's good. She just said, obviously, with all of this, the money is hers and Troy.\n\nSo she's like, well, it sounds\n\nChannel 0: Yes.\n\nChannel 1: good to me. I will wanna sit down with Larissa where Troy is there, and he can ask all of his questions and just make sure we're all happy and comfortable with the overall strategy before going and pumping money in there.\n\nChannel 0: Absolutely.\n\nChannel 1: So I said, look. Cool. Larissa will run through all the compliance stuff with you now, and I'm like, it's not anything urgent. She's just recommended doing it before end of financial year. So we've got time where we can schedule a a suitable time to go through and have that conversation.\n\nChannel 0: Yeah. Absolutely. No. Fantastic. Proper on through, and I'm so happy to have a chat.\n\nDo you need her back? Or\n\nChannel 1: Nope. I am done. Everything is signed. I've got ID, tax file number, beneficiaries, all sorted, and we'll send it through to you soon.\n\nChannel 0: I love. Thank you.\n\nChannel 1: Excellent. Alright. One second. I'll get her. Thanks for holding.\n\nSo I've got Clarissa for you. She'll have a quick chat about everything, and she can sort out a suitable time to catch up with you and Troy at a later stage to go through all the other stuff. Yep. Alright. Sounds good.\n\nAlright. Take care. You have a good day. Thank you. Bye.\n\nCheers. Bye.\n\nChannel 0: Hi, Michelle. How are you going?\n\nChannel 1: Yeah. I'm good. Thanks. I'm good.\n\nChannel 0: That's good. So I went through and obviously put everything together, and I looked at everything we spoke about. So I looked at I looked at the the the possibility of buying an investment property, what we could do in that in that arena. I also looked at the CGT event that you will have. Now as I did discuss with you at Monday, your accountant's gonna have a better concept as to what the actual CGT event will be as an\n\nChannel 1: Yep.\n\nChannel 0: outcome. Yeah. But I did a like, an estimated calculation based on the buy and sell data that you gave me. Now I'm well aware that, you know, there's generally sales costs associated with, you know, even the sale of a land that you could\n\nChannel 1: Yes.\n\nChannel 0: be able to, you know, pass or, you know, use as a deductible. So my math is gonna be a little bit of a variance to what the account is gonna be be able to produce.\n\nChannel 1: Yeah. I don't know if that's that's fine.\n\nChannel 0: Yeah. But what I what I looked at was if we were to make so what I what I looked at is we sold the property for $5.50, bought the property for, you know, $2.90, what the what the difference in that is because that's that's basically what the capital gain is is, you know, what you what you sold versus what you bought.\n\nChannel 1: Yep. What you\n\nChannel 0: From\n\nChannel 1: made\n\nChannel 0: there\n\nChannel 1: on it? Yep.\n\nChannel 0: yeah. Correct. Obviously, any deductibles can come off that purchase price. I obviously don't have those details. Accountant's gonna be able to get down mid like, nitty gritty into that.\n\nChannel 1: Yep.\n\nChannel 0: That gives us a $260,000 gain. Now because we've owned the property for more than 12 or the land for more than twelve months, we get a 50% capital gain offset, which gives us a 130,000. And then you only own half of that, which gives you $65,000 worth of the capital gain. Now how capital\n\nChannel 1: Yep.\n\nChannel 0: gains works is that capital gain is added to your income for the year, and you're taxed at the at that marginal rate on that income. So\n\nChannel 1: Yep.\n\nChannel 0: what that's gonna do for you and what it actually does for Troy as well is it actually increases both of your incomes into different brackets. So you are gonna bump up into the bracket that Troy's currently in, and Troy actually\n\nChannel 1: Yes.\n\nChannel 0: bumps up into a higher bracket again. So I did the math on basically where your your tax would sort of sit just so I could get a bit of an understanding as to, you know, if we were to if you if you were to go and do what you, you know, what you were sort of planning and and pay the capital gains, and you were looking at\n\nChannel 1: Yep.\n\nChannel 0: $38 worth of tax for you alone because of the gain, because you move into\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: got\n\nChannel 0: higher\n\nChannel 1: it.\n\nChannel 0: bracket. So what I wanted to do was I wanted to look at whether we we we could basically put the money the the $65,000 that you've made and that you would be taxed on into your superannuation fund.\n\nChannel 1: Yep.\n\nChannel 0: Now Troy could obviously do the same, and I did sort of, in the appendix, put a bit of information as to if he was to do that, what that does. Now I'm well aware that if we take money from your superannuation fund oh, sorry. Take money from your offset and put that into\n\nChannel 1: Yep.\n\nChannel 0: your superannuation fund, where where we're gonna take that money from is your offset account. And\n\nChannel 1: Yep.\n\nChannel 0: that's going to result in you having money less that's gonna have you with with a\n\nChannel 1: That's\n\nChannel 0: gap.\n\nChannel 1: the number that we reached. Yeah.\n\nChannel 0: Yes. A gap on the mortgage.\n\nChannel 1: Yeah.\n\nChannel 0: So what I what I've done is I've actually popped in in the appendix document. There's a nice little table with, like, the mortgage. So, basically, if you would have just put money into your superannuation fund to $65,000, it would result in a $42,000 gap that you would then incur interest on.\n\nChannel 1: Yeah.\n\nChannel 0: I based the mortgage over a twenty three year time frame. I did take a little bit of a stab at that just based on when you bought the property and assuming a thirty year purchase\n\nChannel 1: Yeah. That's\n\nChannel 0: rate\n\nChannel 1: correct.\n\nChannel 0: to begin with. Cool. Look at me go.\n\nChannel 1: Yeah.\n\nChannel 0: And, obviously, I had the the interest rate of 6.38%. So it does\n\nChannel 1: Yep.\n\nChannel 0: give you we sorry. You are gonna be incurring interest because we're not gonna have as much sitting on the offset as what we otherwise would have. So that is\n\nChannel 1: Yep.\n\nChannel 0: the biggest, I guess, way up between the two avenues. This gives you more money within your superannuation funds paying and not having to pay the tax on the capital gain.\n\nChannel 1: Yep.\n\nChannel 0: But you're gonna you're gonna have a little bit of interest, which is gonna increase those mortgage repayments for you a little bit each week.\n\nChannel 1: Oh, we're just paying the\n\nChannel 0: So\n\nChannel 1: same as what we were paying without the and we're just saying we're paying the same. It's just coming off our principal, not but bit of both. That's all.\n\nChannel 0: yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: you you're gonna have those that those interest chart those interest amount charge. So I can see\n\nChannel 1: Yeah.\n\nChannel 0: the the repayment amount won't change, but those interest repayments are gonna are gonna start coming back in. One second. Sorry.\n\nChannel 1: Yeah. No. You're right.\n\nChannel 0: Have a drink of water. Clear my throat. So yeah. So it it means that where you are otherwise going to be able to pay repay that that debt off a little bit quicker because we were we were on interest, but we were on principal only, you're gonna be back\n\nChannel 1: Yes.\n\nChannel 0: towards that sort of thirty twenty three year time frame\n\nChannel 1: Yes.\n\nChannel 0: to get it paid off. So it's just gonna kind of push you back out a little bit on that front. Now what we well, it's not you're not even gonna hit the full twenty three year time frame anyway because you still got majority of it offset.\n\nChannel 1: Yes.\n\nChannel 0: Now what I did look at is, obviously, in I I looked at if you both did it. Because as I said, although Troy is not my client, I still wanted to sort of give you the information so that\n\nChannel 1: Yep.\n\nChannel 0: you guys could\n\nChannel 1: No.\n\nChannel 0: sort\n\nChannel 1: It's\n\nChannel 0: of sit\n\nChannel 1: good\n\nChannel 0: down.\n\nChannel 1: for me because then I know for myself if he did it, this is what it\n\nChannel 0: Yeah.\n\nChannel 1: would be. So now that is good information for me to know I'm not just working online because it\n\nChannel 0: Yeah.\n\nChannel 1: is the money's joint. So, yeah.\n\nChannel 0: And you can take it to the account, and you can have a chat with the accountant. Obviously, again, the accountant has the better outcome when it comes to tax planning in terms of, like, a capital gains event because he's they're gonna have the receipts for everything that you've incurred in the in the purchase and sale\n\nChannel 1: Yep.\n\nChannel 0: and, you know, if you had to mow the block of land before it got sold, whatever the case may be.\n\nChannel 1: Well,\n\nChannel 0: Whatever you did\n\nChannel 1: this\n\nChannel 0: to\n\nChannel 1: is where\n\nChannel 0: the block.\n\nChannel 1: this work is a little bit tricky because we had a agreement with the people we bought it off. For maintenance on the block, so we didn't have to pay for border clearance and maintenance\n\nChannel 0: Yep.\n\nChannel 1: on the block. He put his catalog for free. So he'd maintained it by putting the cows on there. He had a business for no cost. It was a barter system.\n\nChannel 0: Yep.\n\nChannel 1: So Marty didn't change hands, but it was a barter system. So we got what we wanted without changing, and he did too. So instead of paying us to have his cattle on the block.\n\nChannel 0: Yeah.\n\nChannel 1: So that's where we don't have any receipts. So we\n\nChannel 0: No.\n\nChannel 1: just need the barter system being a small country town.\n\nChannel 0: It's yeah. No. And that's that's completely fair enough. I I guess so the only receipts you would have is if you went through a real estate agent for the sales of the\n\nChannel 1: Yes.\n\nChannel 0: like, the sale of the property, you would have those costs that you've incurred for that sale. You have your solicitor fees or the rest of it for any of the\n\nChannel 1: Yes.\n\nChannel 0: settlement stuff. So that'll would all, you know, come into into play for that front. So it just it just gives you a representation of of the effects that your mortgage is gonna have because you if we take off out of the offset account, because we have 4\n\nChannel 1: Yep.\n\nChannel 0: 100,000 sitting in the offset account with $3.37 in the mortgage, it's gonna result in us having, like, for\n\nChannel 1: Yep.\n\nChannel 0: you, if it was it was just one of you that did it to to the full 65,000, you're looking at $42. If it's both of you, it's it's, you know, a 107. So it's just giving you\n\nChannel 1: 100\n\nChannel 0: that\n\nChannel 1: and\n\nChannel 0: that\n\nChannel 1: seven gap, is it?\n\nChannel 0: 107,000 gap year.\n\nChannel 1: No problem. Just\n\nChannel 0: Now\n\nChannel 1: like Troy and I\n\nChannel 0: no. That's okay.\n\nChannel 1: yep. Yeah. No. That's not\n\nChannel 0: Now now if you put the entire amount of the capital gain in your superannuation fund, what you're essentially doing is you are removing the capital gain event\n\nChannel 1: Yep.\n\nChannel 0: by putting it into your superannuation fund concessionally. So you still have to pay tax, but it's at 15% rather than your marginal rate, which your marginal rate are both within the 3237% range.\n\nChannel 1: Yes.\n\nChannel 0: So we're saving anywhere from 17 to 27. Wow. Sorry. My math just literally died on me then. 78% to twenty twenty something.\n\nWow. That's terrible. Coffee definitely definitely hasn't kicked in. Yeah. 17 to 22%.\n\nWow. That was terrible of me. Wow. Yeah. So, you know, at in the 32% bracket, you're obviously saving 17%, the difference between thirty two and fifteen, and then that's 37% tax bracket, you're saving that 22%.\n\nChannel 1: 22%.\n\nChannel 0: Yeah. So it just it it allows you to to put more money away for you. Now the obvious downside is it's seven years before we can touch that money for for retirement purposes. So we're we are locking that money away from ourselves, which which is a little bit of a pain there, but the other I guess the positive side is it's invested in the market. I've gone conservative.\n\nI haven't gone really aggressive with our investment because we're under\n\nChannel 1: Yeah.\n\nChannel 0: that that ten year time frame, and and you you don't really have the the want to go super aggressive with it. So I've gone for a nice, moderate investment, but still obtaining some really good growth investment stocks. There's stuff that like, stocks that are gonna, you know, generate a good income, but, you know, I've divide diversified everything out really nicely.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Now I did also look, and you can you can have a look at the the mortgage in mortgage calculator. It's it's in the the SOA appendix. It's what I did was I had a look at the Perth CBD. The difference between Perth and Brumbury was massive in terms of, obviously, a a distance.\n\nChannel 1: Process?\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The price is not so much, to be completely honest. You know, there are there are apartments in the first CBD that are going for, you know, your 1.3, but I also found a couple that were going for, like, $5,600,000. But they were very much a little studio apartment box, so I obviously didn't go for that kind of range. So I\n\nChannel 1: Yep.\n\nChannel 0: kinda looked at something that was, like, a nice little moderate mix between.\n\nChannel 1: Yep.\n\nChannel 0: Look. Not gonna lie. It's really cute if you wanna buy it. No. I found something that was sort of in in that East West Perth portion over by the the river.\n\nChannel 1: Yep.\n\nChannel 0: And we'll sort of I I looked around and and got a moderate price range of about 900,000.\n\nChannel 1: Yep.\n\nChannel 0: And what I did was I did a mortgage calculator up to show what that mortgage calculator would look like. So assumption being a $900,000 price purchase price,\n\nChannel 1: Yep.\n\nChannel 0: utilizing the equity of your PPR, a rental\n\nChannel 1: Yep.\n\nChannel 0: income of a thousand dollars, that's that was the sort of median income range for properties in that in that price range and within where I looked. Real estate cost of that 1.7% of the rental income, because, obviously, that's something we have to do, and interest rates are about 6.3%, which is what your current\n\nChannel 1: Yep.\n\nChannel 0: rate's at. I had a look around, and that's pretty much the price range for an investment property at the moment, maybe a little bit more or less depending on, you know, obviously, all the variables that come with purchasing\n\nChannel 1: Yeah.\n\nChannel 0: properties and everything like that. I did a thirty year time frame just to, you know, have a a decent decent gap.\n\nChannel 1: Yep.\n\nChannel 0: And then, you know, obviously, depending on how everything goes, the the the objective for you is seven years you wanna retire. From from retirement, we want to look at from retirement, we, you know, we we also have that seven the the investment the property overseas that in seven years\n\nChannel 1: Yep.\n\nChannel 0: is gonna come up. So there's a cash influx from that that can also help to sort of pay a lump sum up on the investment property, and that'll give us a good sort of injection of of assets to sort of pay that off and get everything kinda happening there. So I guess what I'm saying is moving ahead with the investment property is not unreasonable or out of out of scope. It's nothing we\n\nChannel 1: Yep.\n\nChannel 0: could definitely do. The biggest part of it is the fact that the ink like, the interest or mortgage repayments per I I in in the calculator, you'll see it's it's the mortgage the mortgage repayments I've done yearly for you. So I can show you what\n\nChannel 1: Yep.\n\nChannel 0: it looks like over the full thirty years. I didn't wanna give you, you know, 5,000 different months.\n\nChannel 1: No. No. That's okay. Just just what the repayment like, as long as the rate covers the repayment on that investment, that's pretty much all we really needed to know\n\nChannel 0: It's\n\nChannel 1: because the rate\n\nChannel 0: not,\n\nChannel 1: starts like that.\n\nChannel 0: yeah, it's not quite gonna cover it. So that's, I guess, probably where where the biggest gap is falling is\n\nChannel 1: Yeah.\n\nChannel 0: that on\n\nChannel 1: Yep.\n\nChannel 0: a $900,000 property, if we don't put any any money down on it, we are gonna end up with about a $15,430,\n\nChannel 1: Yep. That's it.\n\nChannel 0: yeah, deficit. Correct. That that's gonna, you know, mean that you guys have to put money in each week, month. Now if we really\n\nChannel 1: Yeah.\n\nChannel 0: so they put that to to scope and look at what $15,000 is, that's $300 a week.\n\nChannel 1: Yeah.\n\nChannel 0: So it's\n\nChannel 1: Which\n\nChannel 0: not\n\nChannel 1: is what I would be which is\n\nChannel 0: huge.\n\nChannel 1: what I would be paying. Yeah. Because that's that's what I would be paying on the what the land more right anyway because we only had that we had a 100 and something\n\nChannel 0: Yeah.\n\nChannel 1: thousand for over ten seven years or ten years or whatever it was. So I was paying three out of the week anyway for that.\n\nChannel 0: Yeah.\n\nChannel 1: So that would\n\nChannel 0: But\n\nChannel 1: be my because Troy pays the house.\n\nChannel 0: yes. Yeah.\n\nChannel 1: Right. Yeah.\n\nChannel 0: And pays for all the bills. So it's it's not it's not completely out of scope. It's just probably a a budgetary conversation as to whether it's something we can afford and then probably a little bit more of a deeper conversation with, you know, getting the broker involved, maybe doing a bit of a a refinance on the current property. We obviously wanna put as much of the debt onto the investment property as possible. We we don't wanna be using any of, like, any of the money we have in a deposit on\n\nChannel 1: No.\n\nChannel 0: buying\n\nChannel 1: We'd\n\nChannel 0: the\n\nChannel 1: have\n\nChannel 0: property.\n\nChannel 1: to use the collateral of the house to\n\nChannel 0: Correct.\n\nChannel 1: buy the\n\nChannel 0: Yeah.\n\nChannel 1: property. Yeah.\n\nChannel 0: Definitely. Yeah. Because we don't wanna we don't wanna start incurring too much of it of of interest over here when we can't deduct it tax wise. The\n\nChannel 1: Yeah.\n\nChannel 0: benefits with the investment property is it becomes a deductible debt. So whilst, yes, you guys might have to put, you know, 15 and a half thousand dollars into the property each year, we have a deduction that comes off both of your incomes. So so that becomes\n\nChannel 1: Yeah.\n\nChannel 0: a bit of a benefit, and you could you know, there's a possibility that we have a bit of a tax rebate that comes in each year. Obviously, the risk with an investment property, as you guys know, if no\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: think\n\nChannel 0: fills\n\nChannel 1: you're up.\n\nChannel 0: the spot, yeah, if no one fills the spot, you might have a month where you're all of a sudden having to fork out and pay for the entire mortgage repayment. There is always\n\nChannel 1: Yeah.\n\nChannel 0: that risk in, you know, in proceeding with something like this. But if you buy a property that you're wanting to move into, something that you're going to be able to see yourself living in come retirement, then it's something that you're able to to maneuver over to once you're, you know, once you do retire. And because\n\nChannel 1: Yes.\n\nChannel 0: we have that that overseas investment property already, it just gives us that better collateral for, you know, for how we can make sure that the property is paid the property gets paid off. Obviously, until until you know what the overseas part apartment is going to sell for,\n\nChannel 1: Yeah. At the I think the\n\nChannel 0: it's\n\nChannel 1: last\n\nChannel 0: gone hard.\n\nChannel 1: estimate they they offered us, I think, might have been a year or two ago. We wanted to sell because we weren't using the the benefits of everything because we weren't we weren't traveling because of COVID and things like that,\n\nChannel 0: Yeah.\n\nChannel 1: and we were just busy. I think it came in at a 135,000 two years ago. I think it was roughly it was in Belmont when they offered us that. So yeah. It was like, oh, we can buy it back off you now.\n\nAnd if it's on US market, it's US they got the\n\nChannel 0: US\n\nChannel 1: US\n\nChannel 0: dollars?\n\nChannel 1: price. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's it. Because we bought it at US cost as well. I think it cost us $53 back\n\nChannel 0: Yep.\n\nChannel 1: way then, and it's meant to stay at a five star rating. So you you get the rewards of having that as a five star doesn't get decreased as part of the contract.\n\nChannel 0: Yep.\n\nChannel 1: So I'm roughly guessing don't count me on this. Unless The US US market bombs out and Trump done something really shitty and that they left on their own. I think it was worth it. It's about 250,000 we get paid at the end or 300,000 at the end because of the twenty year period.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So it was just a small top up for our supers, basically, that we used it for. And if we wanted to use holidays and use the work for it, which we haven't.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. It was like it wasn't sort of like a slower investment down the track. The only thing is when we do sell it, I don't know how to get the money back into Australian money or how much we have to pay, all that sort of stuff. We didn't think about that\n\nChannel 0: The\n\nChannel 1: when\n\nChannel 0: taxes.\n\nChannel 1: we bought it. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: We didn't think of any of that when we bought it. It was like, oh, okay. We'd be a holiday and do this and do that with the external money that we put into it.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. She was like, okay. Now we have to work at how we're gonna get it back. I was just having overseas offset account. You'd be overseas account.\n\nYou'd be fine. I'm like, well, how the hell do you even do that? So that's the\n\nChannel 0: Yep.\n\nChannel 1: thing to think of when it comes closer. But yeah.\n\nChannel 0: No. That's okay. So, like, if if so if we were to put into, I guess, like, if we if we were to sort of look at it as a whole I\n\nChannel 1: Yes.\n\nChannel 0: keep saying seven years because I keep getting stuck up on the fact that seven years still property sells, but it's nine years for retirement. In nine\n\nChannel 1: Yeah.\n\nChannel 0: years' time, let's just say we will buy a property now. In nine years' time, the closing balance of the, like, money owed would be about $778,000. 700 let's just say $777.07 9,000 is\n\nChannel 1: Yeah.\n\nChannel 0: what we would sort of be looking at as what would be owed. So from that, what we could realistically do is the $300,000 that comes in from the sale of that property, let's just say we have to pay tax because there will be some kind of tax in some portion.\n\nChannel 1: Yeah.\n\nChannel 0: I couldn't tell you what that looks like either. That is 100% gonna be the accountant.\n\nChannel 1: He he wanted\n\nChannel 0: But,\n\nChannel 1: to go to another saved account. So I was just I didn't know the answer to that. But anyway\n\nChannel 0: You know, we could we could look at either just putting that straight into the the the mortgage, or we look\n\nChannel 1: Yep.\n\nChannel 0: at sort of some some debt reduction strategies. Maybe we pop it into your superannuation fund and rinse the money that way. Rinsing\n\nChannel 1: Yeah.\n\nChannel 0: is the the worst word I could use, but, basically, put it into your superannuation fund in a tax effective way,\n\nChannel 1: Yeah.\n\nChannel 0: reduce the amount of tax that you have to pay personally. And then after you're 60, we can pull it out tax free. And we can then\n\nChannel 1: Yes.\n\nChannel 0: basically pull that money out tax free and then pay it off on your mortgage that way.\n\nChannel 1: Yes.\n\nChannel 0: And then, realistically, depending on what you wanna do with the property you live in right now, that could be converted into an income stream to you know, you move out of that, that becomes an investment property. That becomes an\n\nChannel 1: Yeah.\n\nChannel 0: income stream for you guys to then have income coming in on that side, and that may be able to pay, like, the remaining of your mortgage off because, realistically, by the time you retire, the your PPR mortgage is gonna be paid off quite\n\nChannel 1: Yeah.\n\nChannel 0: quite comfortably. So it it just sort of kinda gives us that that capacity to to be able to play around with, you know, you basically being able to move into a new property and then utilizing the current mortgage as current property as a as an investment property later, letting you letting you downsize. Obviously, if\n\nChannel 1: Yeah.\n\nChannel 0: you guys don't wanna have the investment property, then we can definitely look at, you know, how like, when we like, selling that property off, giving you a nice big injection of cash, paying off your current mortgage, and, you know, popping some of the money into superannuation or popping some of the money into sort of investment strategies to give you some, you know, just\n\nChannel 1: I mean,\n\nChannel 0: long\n\nChannel 1: like\n\nChannel 0: term\n\nChannel 1: you said,\n\nChannel 0: income.\n\nChannel 1: if we if we just use the clutter of this house and keep the other money in there, that other money is gonna be sitting there unless we invested in something anyway and make money\n\nChannel 0: Yeah.\n\nChannel 1: on that. So\n\nChannel 0: Yeah.\n\nChannel 1: we're still gonna have that cash injections in if\n\nChannel 0: Yeah.\n\nChannel 1: we don't do anything, it just sits there, which is really useless because it's not making any money for us or getting any interest on it to get it top it up. But yeah. Unless\n\nChannel 0: It is\n\nChannel 1: you put\n\nChannel 0: and\n\nChannel 1: it\n\nChannel 0: it\n\nChannel 1: into\n\nChannel 0: isn't.\n\nChannel 1: it.\n\nChannel 0: Like, it's giving you a guaranteed 6.38% return realistically. Whilst it's\n\nChannel 1: Yep.\n\nChannel 0: not making money, it is guaranteeing that you're not paying 6.38%.\n\nChannel 1: Yeah.\n\nChannel 0: It's also guaranteeing that you're paying your mortgage off in shorter than the original thirty year time frame because you're paying more off the principal\n\nChannel 1: Which which\n\nChannel 0: than\n\nChannel 1: makes\n\nChannel 0: you are\n\nChannel 1: sense\n\nChannel 0: in\n\nChannel 1: anyway.\n\nChannel 0: interest.\n\nChannel 1: Because then if we end up moving into the the rental property the investment property and using this, we can still then if we need to pay something off to bring our debt down, we could use that investment and still have this\n\nChannel 0: Correct.\n\nChannel 1: house as collateral as the investment to sell off later. But if we did sell this house, we would pay more capital gains because there's less on the mortgage.\n\nChannel 0: No. You wouldn't. It's a PPR.\n\nChannel 1: We would,\n\nChannel 0: It's\n\nChannel 1: yeah.\n\nChannel 0: a it's a primary place of residence, and you would pay no capital gains at all. So\n\nChannel 1: Okay.\n\nChannel 0: you don't\n\nChannel 1: So\n\nChannel 0: pay\n\nChannel 1: we'd\n\nChannel 0: capital\n\nChannel 1: sell this\n\nChannel 0: gains\n\nChannel 1: to\n\nChannel 0: on a yeah. It's it's tax free. Obviously, you start to pay for all the sales costs, real estate agents,\n\nChannel 1: yeah.\n\nChannel 0: solicitor,\n\nChannel 1: Yeah. Yeah. That\n\nChannel 0: and all\n\nChannel 1: that\n\nChannel 0: the rest\n\nChannel 1: I\n\nChannel 0: of the\n\nChannel 1: realized\n\nChannel 0: stuff.\n\nChannel 1: that part. But if my thing was if but I thought you had to live in the place when you sold it to get your to get out of the capital funds. If you we moved into the investment property then sold this one. This one just became our investment property, would it not?\n\nChannel 0: No. It it it does, but there's a six year rule. So it'll it allows you to actually yeah. There's a there's\n\nChannel 1: Yeah. Because\n\nChannel 0: a sneaky\n\nChannel 1: that that was\n\nChannel 0: cheeky\n\nChannel 1: what I\n\nChannel 0: little\n\nChannel 1: was\n\nChannel 0: rule.\n\nChannel 1: thinking like yeah. Because we weren't because we're living in the our principal places where we live. So if we did that, this would be then became our investment, then it's got less on the mortgage then, like, we probably almost had a mix of nothing on it while it's,\n\nChannel 0: Yeah.\n\nChannel 1: you know, seven years time if we did keep it. We would have pretty much nothing to pay on this house at all.\n\nChannel 0: Yeah. No.\n\nChannel 1: So because we would probably well, Troy wants to pay it off in the next six years. So yeah. Okay. So that works. We've got, like, a a leeway there, how that works.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: So it lets us do everything we wanna do. I think the the biggest thing and and something you definitely definitely need to talk to Tory about is whether we're willing to take from the offset,\n\nChannel 1: Yep.\n\nChannel 0: which means we're gonna run off a bit of interest, paying\n\nChannel 1: Yep.\n\nChannel 0: a little bit less on the on the on the\n\nChannel 1: Principle.\n\nChannel 0: cap on the principal capital\n\nChannel 1: Yep.\n\nChannel 0: of the loan, but we're gonna avoid that CGT, which, realistically, the CGT is a straight out you just pay the tax man.\n\nChannel 1: Yeah. So we put 65 for me to pop into my super to offset my capital gains.\n\nChannel 0: Yep.\n\nChannel 1: And Troy's what was Troy's? His would be a bit more.\n\nChannel 0: It'd be the same. It's the exact same. So what\n\nChannel 1: Exact\n\nChannel 0: it comes\n\nChannel 1: same.\n\nChannel 0: down\n\nChannel 1: So we both put a 100 and\n\nChannel 0: to 130.\n\nChannel 1: 30.\n\nChannel 0: Total.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Into 65 in each super, which is fair because then, you know, we're not separating the money at all\n\nChannel 0: Yep.\n\nChannel 1: into the our supers. That offsets our capital gain straight up, but it helps us in the long term with our super and our investments and stuff like\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Well, that should. So so what it comes down to and what the strategy realistically is is whatever the accountant calculates the capital gain\n\nChannel 1: Cool.\n\nChannel 0: as\n\nChannel 1: Yep.\n\nChannel 0: being is what you contribute.\n\nChannel 1: Okay. Yep. And then once\n\nChannel 0: You\n\nChannel 1: we contribute long as we contribute before the financial year. Is that right?\n\nChannel 0: roles.\n\nChannel 1: Before\n\nChannel 0: Yeah. So\n\nChannel 1: yeah.\n\nChannel 0: you you have to because I know you said that you had a meeting with your accountant within the next week or so.\n\nChannel 1: I so I'll just make an appointment for the end of this week beginning of next, I think you said.\n\nChannel 0: Yeah. So\n\nChannel 1: Right.\n\nChannel 0: meeting with the accountant, getting that CGT calculation done up. Once you\n\nChannel 1: Yep.\n\nChannel 0: have the calculation done up, 100% give me a call. I wanna talk to I wanna talk to you about it.\n\nChannel 1: Yep.\n\nChannel 0: That will then give us the ability to know\n\nChannel 1: Yes.\n\nChannel 0: exactly what it is we put in. So it might not be 65 flat, but it being, like, $64.03 25 or something.\n\nChannel 1: Era.\n\nChannel 0: But that just gives you the the capacity to be able to totally offset need to pay anything. You obviously still pay your marginal rate. So you've, you know, you've earned $80 for the year.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Your\n\nChannel 1: You\n\nChannel 0: employer\n\nChannel 1: still pay the normal tax.\n\nChannel 0: yeah. You still pay your normal\n\nChannel 1: Yep.\n\nChannel 0: tax. We're not we're not offsetting anything there,\n\nChannel 1: No.\n\nChannel 0: but you just you you're not gonna have a CGT bill.\n\nChannel 1: Yeah. Yeah. No. That's fine. That's cool.\n\nThat's I just thought I sort of yeah. Excellent. And that still tops\n\nChannel 0: Yeah.\n\nChannel 1: both houses up to give us a bit more money towards it\n\nChannel 0: Yeah.\n\nChannel 1: anyways. We're not really losing that money. It's gaining us to a degree without having to pay the tax, man.\n\nChannel 0: Yeah. And, I mean, the\n\nChannel 1: Yeah.\n\nChannel 0: other option is is if Troy's uncomfortable with putting that much money in or taking that much away from the offset, like, for example,\n\nChannel 1: Yeah.\n\nChannel 0: if, you know, Troy wanted to keep the house fully offset, you know, you could do part thereof. So, theoretically, there's $23,000 roughly sitting in a gap between what, you know, what you have in the in the offset account, the 400\n\nChannel 1: Yes.\n\nChannel 0: versus what the mortgage is being $3.37. So the 23,000\n\nChannel 1: Yes.\n\nChannel 0: dollars, you could just split that pretty even like, evenly between the two of you, pop in about 11 and a half each. It means\n\nChannel 1: Yes.\n\nChannel 0: that you're not you're not having to pay the capital gain on that 11 and a like, 11 and a half each.\n\nChannel 1: Yes.\n\nChannel 0: So you could you could part we could definitely part thereof it. It just depends on which is, you know, as I was saying on Monday, a little bit of a hard hard part is that this is obviously very contingent on how comfortable Troy is. And I'm\n\nChannel 1: Yeah.\n\nChannel 0: very much more than happy to have a conversation with yourself and Troy, you know, next week, but, you know, before like, after sorry. Not after after you meet with the accountant to talk through where things sit because it does very much, you know,\n\nChannel 1: Yep.\n\nChannel 0: affect\n\nChannel 1: I\n\nChannel 0: him.\n\nChannel 1: think that I think that would work better. I've\n\nChannel 0: Yeah.\n\nChannel 1: got to go and get catch up with it. How do I get a hold of you, Nerissa? Because I haven't got any\n\nChannel 0: No.\n\nChannel 1: emails or anything through. I've only got the number that Fabian's rung me on.\n\nChannel 0: Absolutely. How about what I'll do right now is I'll send you an email. That way you have my direct email address,\n\nChannel 1: Yep.\n\nChannel 0: and you have my contact number on there as well. So you can always give the office a call, or you can just send me an email and schedule in an appointment for you and Troy.\n\nChannel 1: Okay. Yeah. Cool. That would that would be great. Now I've signed all those paperwork.\n\nSo that means now that I you're taking over,\n\nChannel 0: Yeah.\n\nChannel 1: getting more that sort of stuff now with my super and bits and pieces.\n\nChannel 0: Yep. 100%. So I'm gonna I can start getting everything rolling slowly.\n\nChannel 1: Okay.\n\nChannel 0: Obviously,\n\nChannel 1: Yep.\n\nChannel 0: there's no no contributions that will you know, we won't make the lump sum contribution. I can't just reach into your bank account and grab it.\n\nChannel 1: Yep.\n\nChannel 0: But we we can definitely have a conversation in, say, a week or two's time. You let me know the date and time, and and\n\nChannel 1: Yes.\n\nChannel 0: we can just make sure we iron out that exact detail as to how much you guys are comfortable\n\nChannel 1: Yep.\n\nChannel 0: contributing. I can have a chat with Troy. We can, you know, have a chat about the sort of budgetary constraints that you guys might run into from, you know,\n\nChannel 1: Yep.\n\nChannel 0: purchasing an investment property, where we really sit comfort wise with our money, and what that might look like for us together as well.\n\nChannel 1: Yeah. Okay. That\n\nChannel 0: Yeah.\n\nChannel 1: sounds like\n\nChannel 0: Perfect.\n\nChannel 1: the planning. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: And\n\nChannel 1: That sounds\n\nChannel 0: and then\n\nChannel 1: good\n\nChannel 0: if\n\nChannel 1: because I mean yep. Sorry.\n\nChannel 0: no. You're okay. I was gonna say, and then if we wanna start, like, making a move, I can connect you with my broker. She would be able to look at, you know, a, your your primary place as well. Like, it's always good to go through and make sure that you're getting the a decent rate, especially if you're gonna go and buy another property.\n\nIf you have two mortgages back to back,\n\nChannel 1: Yep. Yep.\n\nChannel 0: then then, you know, you can definitely get a better rate. And and just make sure that everything's sitting nicely and we can you know, what our serviceability looks like, obviously, confirm the interest rate,\n\nChannel 1: Yep.\n\nChannel 0: and we can, like, kinda go from there as to where we're gonna look. And then, you know, maybe, fingers crossed, start looking for a property.\n\nChannel 1: Sounds sounds good. Yep. So now you I think Fabian said said that you'd leave a small amount in my Hester account without closing it completely to my income protection because I wouldn't be able to get anything better than what I'm getting at the moment. Is that right?\n\nChannel 0: Correct. Yeah. So I\n\nChannel 1: Yes.\n\nChannel 0: had a look at insurances available within, like, the retail market and where everything fits.\n\nChannel 1: Yep.\n\nChannel 0: And Yeah. I wanna keep your HESTA account open to keep your insurance in place. I don't wanna close it. I think it's still, whilst it might only be a limited benefit,\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: still I still think it's a it's an important benefit to have. The life insurance policy covers yourself it covers covers the mortgage, like, nicely. It gives a nice cash injection if anything happens to you. So that way none of none of our, you know, life goals are gonna be affected.\n\nChannel 1: Yeah.\n\nChannel 0: And and then the the income protection is important from an ongoing cost perspective. I could\n\nChannel 1: Yeah.\n\nChannel 0: not meet any of those prices in the market. I was looking at a few more grand per year because currently you pay about 3,700.\n\nChannel 1: Yeah.\n\nChannel 0: I was looking\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: think it's, like, $2.02\n\nChannel 0: a\n\nChannel 1: 20\n\nChannel 0: bit higher.\n\nChannel 1: $230 a a week or a fortnight, I think it was. A\n\nChannel 0: Yeah.\n\nChannel 1: fortnight. Something like that. Yeah.\n\nChannel 0: So yeah. So I I didn't wanna affect you know,\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: didn't wanna\n\nChannel 1: okay.\n\nChannel 0: increase the cost of our insurance because it makes absolutely no sense to do.\n\nChannel 1: Yeah.\n\nChannel 0: So what what I wanna do is I wanna basically leave HESTA exactly where it is. I don't\n\nChannel 1: Yep.\n\nChannel 0: wanna change the investment because I don't wanna take on more risk in the investment pool. I'm happy with where it currently sits from an investment position, but we're just gonna\n\nChannel 1: Yep.\n\nChannel 0: leave a little bit in the account to just kind of keep it ticking, and it basically becomes an insurance it becomes an insurance paying bank account. So if anything\n\nChannel 1: Yep.\n\nChannel 0: happens to you, we have that insurance sitting there.\n\nChannel 1: Yep. So alright. Now\n\nChannel 0: Yeah.\n\nChannel 1: with my employer's tax contributions in my super, does\n\nChannel 0: Yep.\n\nChannel 1: that stay in the Chester or do I have to get it transferred to another account with you? Or how does that\n\nChannel 0: Nope.\n\nChannel 1: like,\n\nChannel 0: So what\n\nChannel 1: my\n\nChannel 0: we do\n\nChannel 1: HR?\n\nChannel 0: is we, yeah, we we keep it with Hester. So that way,\n\nChannel 1: Yep.\n\nChannel 0: we meet Hester's requirement, the legislative requirements to have the account active and receiving contributions because we don't\n\nChannel 1: Yep.\n\nChannel 0: wanna your insurance still lapse. We wanna keep it in place until\n\nChannel 1: Yep.\n\nChannel 0: we decide\n\nChannel 1: Cool. So,\n\nChannel 0: to close it.\n\nChannel 1: basically,\n\nChannel 0: And\n\nChannel 1: everything\n\nChannel 0: we\n\nChannel 1: stays the same.\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: And we would just do rollovers. So I would move majority of the money. I would invest the majority of the money, and we just do rollovers every annum\n\nChannel 1: Okay.\n\nChannel 0: to just keep that balance to, you know, a nice minimum and just chop\n\nChannel 1: Yep.\n\nChannel 0: up where we're at from a from an investment point of view.\n\nChannel 1: Okay. No worries. Yeah. I was just wondering. Yeah.\n\nBecause I thought if that happens, where does\n\nChannel 0: Yeah.\n\nChannel 1: my my contact my super from my boss goes into? Because I get from a couple of places. So yeah. That's all good. So it just stays the same, basically.\n\nChannel 0: Yeah. Yeah. Just it's\n\nChannel 1: Yep.\n\nChannel 0: just it's just gonna pull along from a it's it's just gonna hold hold your insurance, really.\n\nChannel 1: Okay. And\n\nChannel 0: Yeah.\n\nChannel 1: to get access to what I'm at the end of the I mean, I'm not that I access my history often anyway, but if I wanted to access what's in the accounts and stuff, does that go I go through you with that? Do I get access, like, as a\n\nChannel 0: Yeah. So so with with the two with the two super funds, you can still you can still have your your logins.\n\nChannel 1: Yep.\n\nChannel 0: Each year, we would do a a a conversation much like what we've kind of done over the\n\nChannel 1: Yep.\n\nChannel 0: last couple of calls, where I would touch base with you, have a conversation, make sure that everything's kosher, see where we're at, see\n\nChannel 1: Yep.\n\nChannel 0: where whether we need any more advice or we're ready to move on something that we've talked about previously. And then I would go away, do any research that may need to happen, put together a a statement of advice document, and then present to you the plan of action from there. And\n\nChannel 1: Yes.\n\nChannel 0: we would do that every annum, and I would give you a full update as to where things are at. I send you statements for for for the like, reporting on both of the accounts. So that way you have everything you need.\n\nChannel 1: Yeah. I should've asked all this before I signed up. But I just thought I just\n\nChannel 0: No.\n\nChannel 1: it was just rolled\n\nChannel 0: You're\n\nChannel 1: on\n\nChannel 0: okay.\n\nChannel 1: the way it rolled on. I said, oh, I probably didn't ask that, and I didn't ask this. I'm thinking that because I just did the failure and said, you know how you think all of a sudden you get that horrible shock, am I being big, you know, how everyone gets a super out of super? And I'm like, oh, maybe if it's a legit, I'm thinking, you know, just get that whole minute of panic and think, oh, shit. Am I really be stupid?\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: No.\n\nChannel 1: I know that I have\n\nChannel 0: I get\n\nChannel 1: toys,\n\nChannel 0: it.\n\nChannel 1: big pals, and and everything like that, and I wouldn't do that. Like, it's very hard, like, to get toys accesses and stuff. So and who is\n\nChannel 0: Yeah.\n\nChannel 1: with us, so that was a bit more very inspiring. I thought, okay.\n\nChannel 0: Yeah. No. You you'll be able to have you'll be able to have, like, a a full full app app access application. So you can download an app on your phone, you can log in, and you can check it yourself.\n\nChannel 1: Yep. That's cool. Because I like I said, at the moment, I don't have any contact for you at all. Only\n\nChannel 0: Yeah.\n\nChannel 1: what the the number Fabian rang me on. I don't have any other contact for you. So but, yeah, I'll probably need that if to bring you back next week once I get the tax accountant figure and then go from there.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Alright. All good. Was there anything else I had to sign?\n\nChannel 0: No. That's that's pretty much everything. I think the the biggest I I guess the the probably the the next steps that's that's probably most applicable is just confirming whether you would want me to me and my team to give you a call next week to kinda go through the welcome call. So it's just sort of where we we step things out a little, like, a little bit slowly and just kinda\n\nChannel 1: Yes.\n\nChannel 0: talk you through the implementation of everything, And we start implementing all the the advice that we've gone through. So, you know, making sure that we're sending you mail and explaining that, you know, beneficiary documents and everything that needs to be filled out there\n\nChannel 1: Yep.\n\nChannel 0: and just going through everything from a, you know, implementation point of view. So I'm I'm happy to get my team to give you a call next week, say, mid to late\n\nChannel 1: So\n\nChannel 0: next\n\nChannel 1: next\n\nChannel 0: week. Is\n\nChannel 1: week\n\nChannel 0: it Wednesday, Thursday?\n\nChannel 1: next yeah. Next week, Monday, Tuesday is out because I'm doing ten hour days.\n\nChannel 0: Yeah.\n\nChannel 1: Wednesday, Thursday, or Friday, a good call, but Wednesday and Friday in the morning before twelve. If you wanna if it's gonna be a a more than a half hour phone call, you need to ring me about 09:00 in the morning,\n\nChannel 0: Yeah.\n\nChannel 1: my time, I think, which is maybe ten or 11:00 your time because you're ahead of\n\nChannel 0: Yeah.\n\nChannel 1: us.\n\nChannel 0: Yes. Two hours.\n\nChannel 1: Yeah. Because I I if it's gonna be that I actually have to be showered and gone by sort of twelve to go to work, It takes\n\nChannel 0: Yep.\n\nChannel 1: me forty five minutes an hour to get to work.\n\nChannel 0: Oh, me too.\n\nChannel 1: But if we make it I'll tell you what. If we make it Thursday afternoon, I actually get home here at 02:00. I mean, that's too late for you guys. I think because\n\nChannel 0: No.\n\nChannel 1: then\n\nChannel 0: It's\n\nChannel 1: it makes\n\nChannel 0: not.\n\nChannel 1: it 04:00.\n\nChannel 0: Two 02:00 is 04:00, and that is fine. We're in the office till\n\nChannel 1: Yeah.\n\nChannel 0: 7PM our time, which is 5PM your time.\n\nChannel 1: Yeah. Because I'm I'm only on a morning shift on Thursday, so I start at seven and I finish at 01:30. So I\n\nChannel 0: Perfect.\n\nChannel 1: by the time I get home, it'll be about two quarter past two. So\n\nChannel 0: Okay.\n\nChannel 1: if you make it 02:30, I'll definitely be home on Thursday.\n\nChannel 0: Perfect. 02:30PM, February time, Thursday, twenty third.\n\nChannel 1: Yeah. Because I I I've got a morning that day. It's only a half shift. But the other days yeah. It'd be easier if I'm just not I'm not gonna go anywhere for the rest of the day.\n\nChannel 0: I love no. Absolutely perfect. And, hopefully, by the the time Thursday rolls around, you've had a chance to meet with the accountant too, so\n\nChannel 1: Yep.\n\nChannel 0: I can grab the figures off you.\n\nChannel 1: Yep. That will be good. Alright. Okay. So you're gonna send me information through your email and email me with information, your contact details?\n\nChannel 0: Yep. I'm sending you an email so you'll be able to respond. And then my phone number, our website, our address are all in my signature, so you'll be able to\n\nChannel 1: Okay.\n\nChannel 0: reach out to me anytime you need to.\n\nChannel 1: Alright. Okay. Yeah. Because I didn't get send this. Was it you or I didn't send the sign stuff signed through?\n\nChannel 0: I sent it through to you.\n\nChannel 1: Oh, yeah. So that's why it came through through the email. Cool. Alright. So you got the\n\nChannel 0: Yeah.\n\nChannel 1: right email. I have problems with my email. People send the wrong put the wrong number, like, the actual initials down.\n\nChannel 0: Oh,\n\nChannel 1: But\n\nChannel 0: really?\n\nChannel 1: that's good. Yeah. Like, I think it's an s is an f, and then I'm like, I didn't get the email. And they're like, well, what's your I said, yeah. So\n\nChannel 0: I\n\nChannel 1: all good.\n\nChannel 0: I guess I guess it is a bit weird because it's like, oh, not really.\n\nChannel 1: I just\n\nChannel 0: It's equally\n\nChannel 1: with\n\nChannel 0: weird.\n\nChannel 1: the with the PM yeah. With the Outlook account, I always have a bit of issues with the but that's our joint email. So it's easy to I can see what's going on and what's happening if we have a joint email. Because\n\nChannel 0: I\n\nChannel 1: he\n\nChannel 0: have\n\nChannel 1: can\n\nChannel 0: one\n\nChannel 1: say,\n\nChannel 0: too.\n\nChannel 1: oh, what yeah. So he's like, what do you got going on here? And I'm like, oh, well, this is from this. He goes, oh, okay. Because then he's got all the information as well.\n\nChannel 0: Yeah.\n\nChannel 1: If anything happens to me or whenever, he's got access to that email. The other one's just for, like, you know, after paying shit like that is the other shitty account that I still give you. You know, you're gonna get thousands of emails through, like, notifications.\n\nChannel 0: Yes.\n\nChannel 1: So all good.\n\nChannel 0: No. I get it. I I have a joint one too. It's where all the bills go.\n\nChannel 1: Yeah. Hey. That's it. Alright. Okay.\n\nSo you'll send that information through. I haven't got it yet, but I'll wait for it. And then I'll hear from you next Thursday. Hopefully, I'll I'll get on to Troy now to organize that packs because he gets a bit way late. He gets forgetful without doing it.\n\nSo I'll get him to make sure that's done before the twenty third.\n\nChannel 0: Yeah. Absolutely. No. Perfect. You should have an email from me now.\n\nI pressed send a couple minutes ago. So yeah. It just\n\nChannel 1: Let me\n\nChannel 0: says\n\nChannel 1: just\n\nChannel 0: hi.\n\nChannel 1: check the spam. I'll just check oh, here we go. It's in the spam. See?\n\nChannel 0: Rejected.\n\nChannel 1: That's it. Yeah. I lately, you know, like, every time since I've sent it and then like I said, I'm thinking, oh, let me just go and put it in out of the spam box because it quite often does go in there.\n\nChannel 0: I love\n\nChannel 1: Cool. Alright. So that's come back in the other account. Cool. Now I've got it.\n\nThank you so much for that. I just thought, yeah.\n\nChannel 0: no. No. Absolutely.\n\nChannel 1: Still come through.\n\nChannel 0: Check check out the website and and have a look. You can see that, like, all the staff that work here. You'll be able to see my photo and and have\n\nChannel 1: Yeah.\n\nChannel 0: a look at everything so that way you can make sure that you feel comfortable.\n\nChannel 1: Yeah. No. That's good. I like just it was just that switching second where you think, oh, you know, you hear that thing on the telly that way, but everyone being spammed. Oh my god.\n\nAm I being spammed? Like yeah. It's but it's all good. So no. Because I mean, he's got all sorts of details and that's pretty hard to get when you and he's gonna bring it up straight away so\n\nChannel 0: Yeah. No.\n\nChannel 1: it's\n\nChannel 0: Absolutely. And yes. And Thursday,\n\nChannel 1: all\n\nChannel 0: if Troy's around, happy\n\nChannel 1: good.\n\nChannel 0: to have a chat to him as well depending on what\n\nChannel 1: Yeah.\n\nChannel 0: he works.\n\nChannel 1: Yep. Well, if it's Thursday afternoon, I might even go down to his work and and because he's in a and he's got his own office in a big shed that he's on his own in. So I can probably go down on Thursday from work and just go straight there and have the conversation\n\nChannel 0: Yep.\n\nChannel 1: there.\n\nChannel 0: Yeah.\n\nChannel 1: And he can ask questions if need be then.\n\nChannel 0: Yeah.\n\nChannel 1: So that\n\nChannel 0: Absolutely.\n\nChannel 1: will work. Yeah. It'd be easier if I go to him and him come home\n\nChannel 0: Yeah. I get\n\nChannel 1: for\n\nChannel 0: it.\n\nChannel 1: that. But yeah. He can stop and say if he's not traveling out and about, but I'll see if he can stay try and get all his runs out in the morning early so he can be there in the afternoon. Bye. All good.\n\nAlright. Thanks so much,\n\nChannel 0: Perfect.\n\nChannel 1: Nerissa. I really appreciate that.\n\nChannel 0: No. Absolutely.\n\nChannel 1: Give\n\nChannel 0: It was\n\nChannel 1: me\n\nChannel 0: my pleasure.\n\nChannel 1: a\n\nChannel 0: It was\n\nChannel 1: bit of peace\n\nChannel 0: fun\n\nChannel 1: of thought.\n\nChannel 0: to put, yeah, it was fun to put together, and it gives us a good direction. A lot of it's just information for consideration, but it\n\nChannel 1: Yeah.\n\nChannel 0: gives us a\n\nChannel 1: Yeah.\n\nChannel 0: good a good kind of solid basis to start working things out from there.\n\nChannel 1: Yeah. And like I said, we're just sitting at the monks. We just don't know what to do. And I sort of retry information and sort of what to do. So yeah.\n\nIf we can even if we just offset that a little bit to get the capital gains, it may still fit in. It's gonna sit there if we're still paying a bit of the principal anyway. And\n\nChannel 0: Yeah.\n\nChannel 1: then use the house for the investment. So yeah. That works out. Not too bad. Alright.\n\nGive me a bit of a a focus point now to sort of really think on where we wanna go and what we wanna do, which is good because before that, I sort of like, I don't know what to do. I don't know what to do. But\n\nChannel 0: I know. It it becomes\n\nChannel 1: so\n\nChannel 0: overwhelming\n\nChannel 1: it's low\n\nChannel 0: when\n\nChannel 1: responsibility.\n\nChannel 0: you have too many options. Yeah.\n\nChannel 1: It's you know, like, I don't wanna be out of sort of like I said to try. I wanna when we do retire, not scrape and save and and be a little bit relaxed. But be sensible, but still be comfortable enough and not have a mortgage because that's my biggest thing is that I want a mortgage when I retire.\n\nChannel 0: Yeah.\n\nChannel 1: You\n\nChannel 0: You\n\nChannel 1: know,\n\nChannel 0: wanna\n\nChannel 1: I wanna\n\nChannel 0: have an\n\nChannel 1: be\n\nChannel 0: you\n\nChannel 1: because\n\nChannel 0: wanna\n\nChannel 1: I want\n\nChannel 0: have an exit strategy, something that you're comfortable\n\nChannel 1: yeah.\n\nChannel 0: with.\n\nChannel 1: Exactly. Yeah. Just so we we we at the end of the day, we can't be mortgage free because, you know, most of the we can live on what we earn from our and taking smaller amounts from our super if we don't have a mortgage because that's the biggest killer,\n\nChannel 0: Yeah.\n\nChannel 1: You know? He's paying that. He can pay the rates and and electricity and water is minimal. But, yeah, just paying mortgage. I think that's just a big chunk of your pay.\n\nChannel 0: Yeah.\n\nChannel 1: So my aim\n\nChannel 0: 100\n\nChannel 1: is to be\n\nChannel 0: percent.\n\nChannel 1: mortgage free when I retire\n\nChannel 0: Yeah.\n\nChannel 1: at the\n\nChannel 0: No.\n\nChannel 1: end\n\nChannel 0: Absolutely.\n\nChannel 1: of the day.\n\nChannel 0: Or at least offset\n\nChannel 1: Yeah.\n\nChannel 0: to the point where, like, if if you had kept the investment property, it's it's paying for a little bit of mortgage you might have left. Like, that you're total you're not putting any money in, and you're completely covered with income on that front. Definitely.\n\nChannel 1: Yeah. That's my end goal. That's my end goal. It's just to be mortgage free when we retire.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So all good. Alright. Thank you. And I will definitely speak to you on Thursday.\n\nI'll get on to Troy now about getting that account and organized and see exactly what capital gains we do have to pay and work out from there if we decide to just put it in our super and go in that direction. So yep. Alright.\n\nChannel 0: Perfect.\n\nChannel 1: Thank you so much. I really appreciate you doing that hard work for me. Oh oh, it's good. It gives me a focal point now where to go and where to start thinking. So this is just quit chewing my thumbs.\n\nBye.\n\nChannel 0: No. My pleasure. What I'm\n\nChannel 1: Alright.\n\nChannel 0: here for.\n\nChannel 1: Thanks. Okay. Thanks, Marissa. I'll speak to you soon.\n\nChannel 0: Will do. Thanks, Michelle.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.10040420293807983},{"text":"Good afternoon, my darlings.","start":3.04,"end":4.34,"sentiment":"positive","sentiment_score":0.42610615491867065}],"sentiment":"positive","sentiment_score":0.36096576452255247,"channel":0,"num_words":5,"start":2.56,"end":4.34},{"sentences":[{"text":"Hey.","start":5.04,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.20579349994659424},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.20104719698429108}],"sentiment":"neutral","sentiment_score":0.20223377272486687,"channel":1,"num_words":4,"start":5.04,"end":6.18},{"sentences":[{"text":"Good.","start":6.72,"end":7.22,"sentiment":"positive","sentiment_score":0.4496102333068848}],"sentiment":"positive","sentiment_score":0.4496102333068848,"channel":0,"num_words":1,"start":6.72,"end":7.22},{"sentences":[{"text":"Good.","start":8.0,"end":8.5,"sentiment":"positive","sentiment_score":0.515689492225647}],"sentiment":"positive","sentiment_score":0.515689492225647,"channel":1,"num_words":1,"start":8.0,"end":8.5},{"sentences":[{"text":"Good.","start":8.08,"end":8.24,"sentiment":"positive","sentiment_score":0.5321353673934937},{"text":"Good.","start":8.24,"end":8.48,"sentiment":"positive","sentiment_score":0.582660436630249},{"text":"Good.","start":8.48,"end":8.98,"sentiment":"positive","sentiment_score":0.6134191155433655}],"sentiment":"positive","sentiment_score":0.5760716398557028,"channel":0,"num_words":3,"start":8.08,"end":8.98},{"sentences":[{"text":"She's lovely.","start":9.599999,"end":10.5,"sentiment":"positive","sentiment_score":0.7070397734642029},{"text":"She's great.","start":10.559999,"end":11.12,"sentiment":"positive","sentiment_score":0.5943954885005951},{"text":"She's a bit nervous.","start":11.12,"end":12.179999,"sentiment":"neutral","sentiment_score":-0.10628093895502388},{"text":"She's like a it's always scary because you see so many scary things on the TV, and you're always worried about scams, but she's good.","start":12.255,"end":18.595,"sentiment":"neutral","sentiment_score":-0.05072323814034462},{"text":"She just said, obviously, with all of this, the money is hers and Troy.","start":19.055,"end":24.494999,"sentiment":"neutral","sentiment_score":0.06905348811830793}],"sentiment":"neutral","sentiment_score":0.03992371592036587,"channel":1,"num_words":47,"start":9.599999,"end":24.494999},{"sentences":[{"text":"So she's like, well, it sounds","start":24.494999,"end":25.935,"sentiment":"neutral","sentiment_score":0.04568436866005262}],"sentiment":"neutral","sentiment_score":0.04568436866005262,"channel":1,"num_words":6,"start":24.494999,"end":25.935},{"sentences":[{"text":"Yes.","start":25.710001,"end":26.210001,"sentiment":"neutral","sentiment_score":0.18669408559799192}],"sentiment":"neutral","sentiment_score":0.18669408559799192,"channel":0,"num_words":1,"start":25.710001,"end":26.210001},{"sentences":[{"text":"good to me.","start":25.935,"end":26.88,"sentiment":"positive","sentiment_score":0.38677480816841125},{"text":"I will wanna sit down with Larissa where Troy is there, and he can ask all of his questions and just make sure we're all happy and comfortable with the overall strategy before going and pumping money in 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we","start":528.895,"end":529.295,"sentiment":"neutral","sentiment_score":-0.03457134589552879}],"sentiment":"neutral","sentiment_score":-0.05421054400503635,"channel":1,"num_words":10,"start":524.64,"end":529.295},{"sentences":[{"text":"No.","start":529.265,"end":529.765,"sentiment":"neutral","sentiment_score":-0.15323646366596222}],"sentiment":"neutral","sentiment_score":-0.15323646366596222,"channel":0,"num_words":1,"start":529.265,"end":529.765},{"sentences":[{"text":"just need the barter system being a small country town.","start":529.295,"end":532.355,"sentiment":"neutral","sentiment_score":-0.13031560480594634}],"sentiment":"neutral","sentiment_score":-0.13031560480594634,"channel":1,"num_words":10,"start":529.295,"end":532.355},{"sentences":[{"text":"It's yeah.","start":532.625,"end":533.265,"sentiment":"neutral","sentiment_score":-0.007090028375387192},{"text":"No.","start":533.265,"end":533.42505,"sentiment":"neutral","sentiment_score":-0.06307150423526764},{"text":"And 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the","start":544.22003,"end":546.54,"sentiment":"neutral","sentiment_score":-0.0012710451015404292}],"sentiment":"neutral","sentiment_score":0.023874640983018662,"channel":0,"num_words":31,"start":540.54,"end":546.54},{"sentences":[{"text":"Yes.","start":546.44995,"end":546.94995,"sentiment":"neutral","sentiment_score":0.01732466369867325}],"sentiment":"neutral","sentiment_score":0.01732466369867325,"channel":1,"num_words":1,"start":546.44995,"end":546.94995},{"sentences":[{"text":"settlement stuff.","start":546.54,"end":547.34,"sentiment":"neutral","sentiment_score":0.0557293388992548},{"text":"So that'll would all, you know, come into into play for that front.","start":547.34,"end":550.8,"sentiment":"neutral","sentiment_score":0.10765066570960559},{"text":"So it just it just gives you a representation of of the effects that your mortgage is gonna have because you if we take off out of the offset account, because we have 4","start":551.995,"end":560.23505,"sentiment":"neutral","sentiment_score":0.1175527423620224}],"sentiment":"neutral","sentiment_score":0.11240225657820702,"channel":0,"num_words":49,"start":546.54,"end":560.23505},{"sentences":[{"text":"Yep.","start":560.215,"end":560.715,"sentiment":"neutral","sentiment_score":0.016810832545161247}],"sentiment":"neutral","sentiment_score":0.016810832545161247,"channel":1,"num_words":1,"start":560.215,"end":560.715},{"sentences":[{"text":"100,000 sitting in the offset account with $3.37 in the mortgage, it's gonna result in us having, like, 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my signature, so you'll be able to","start":2312.855,"end":2318.94,"sentiment":"neutral","sentiment_score":0.11999458388278358}],"sentiment":"neutral","sentiment_score":0.13120764686215308,"channel":0,"num_words":31,"start":2310.375,"end":2318.94},{"sentences":[{"text":"Okay.","start":2319.8298,"end":2320.3298,"sentiment":"neutral","sentiment_score":0.0971880555152893}],"sentiment":"neutral","sentiment_score":0.0971880555152893,"channel":1,"num_words":1,"start":2319.8298,"end":2320.3298},{"sentences":[{"text":"reach out to me anytime you need 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through?","start":2325.455,"end":2328.5151,"sentiment":"neutral","sentiment_score":-0.0684371826549371}],"sentiment":"neutral","sentiment_score":-0.051174902046720185,"channel":1,"num_words":21,"start":2322.5498,"end":2328.5151},{"sentences":[{"text":"I sent it through to you.","start":2328.94,"end":2330.48,"sentiment":"neutral","sentiment_score":-0.010450347637136778}],"sentiment":"neutral","sentiment_score":-0.010450347637136778,"channel":0,"num_words":6,"start":2328.94,"end":2330.48},{"sentences":[{"text":"Oh, yeah.","start":2330.3352,"end":2330.735,"sentiment":"neutral","sentiment_score":0.007334591820836067},{"text":"So that's why it came through through the 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yeah.","start":2345.1401,"end":2347.1602,"sentiment":"neutral","sentiment_score":0.005911549656755394},{"text":"So","start":2347.7002,"end":2348.2002,"sentiment":"neutral","sentiment_score":0.18239493668079376}],"sentiment":"neutral","sentiment_score":-0.004922644775961676,"channel":1,"num_words":31,"start":2340.58,"end":2348.2002},{"sentences":[{"text":"I","start":2348.6602,"end":2349.06,"sentiment":"neutral","sentiment_score":0.2445456385612488}],"sentiment":"neutral","sentiment_score":0.2445456385612488,"channel":0,"num_words":1,"start":2348.6602,"end":2349.06},{"sentences":[{"text":"all good.","start":2348.74,"end":2349.48,"sentiment":"neutral","sentiment_score":0.23424138128757477}],"sentiment":"neutral","sentiment_score":0.23424138128757477,"channel":1,"num_words":2,"start":2348.74,"end":2349.48},{"sentences":[{"text":"I guess I guess it is a bit weird because it's like, oh, not 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what yeah.","start":2367.34,"end":2368.38,"sentiment":"neutral","sentiment_score":0.04905109107494354},{"text":"So he's like, what do you got going on here?","start":2368.38,"end":2370.3,"sentiment":"neutral","sentiment_score":0.030386071652173996},{"text":"And I'm like, oh, well, this is from this.","start":2370.3,"end":2371.98,"sentiment":"neutral","sentiment_score":0.0424968825860156},{"text":"He goes, oh, okay.","start":2371.98,"end":2372.62,"sentiment":"neutral","sentiment_score":0.05908551998436451},{"text":"Because then he's got all the information as 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speaker explains the process of calculating capital gain and paying off debt, including the possibility of a gap in mortgage repayments and the savings of investment portfolios. They emphasize the importance of maintaining a tax-efficient fund and keeping an active HESTA account until a decision is made. The speaker also discusses the process of selling a property and insurance coverage, including the importance of insurance coverage for maintaining a good rate and avoiding double payment of interest. The conversation ends with the speaker expressing their goal of being mortgage-free and thanking the representative."},"intents":{"segments":[{"text":"Larissa will run through all the compliance stuff with you now, and I'm like, it's not anything urgent. She's just recommended doing it before end of financial year. So we've got time where we can schedule a a suitable time to go through and have that conversation. 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You know, there are there are apartments in the first CBD that are going for, you know, your 1.3, but I also found a couple that were going for, like, $5,600,000. But they were very much a little studio apartment box, so I obviously didn't go for that kind of range. So I Yep.","start_word":2184,"end_word":2247,"intents":[{"intent":"Comparing prices","confidence_score":0.025450135},{"intent":"Comparing prices","confidence_score":0.25344625}]},{"text":"And what I did was I did a mortgage calculator up to show what that mortgage calculator would look like.","start_word":2314,"end_word":2333,"intents":[{"intent":"Explaining mortgage calculator","confidence_score":0.04836387}]},{"text":"Real estate cost of that 1.7% of the rental income, because, obviously, that's something we have to do, and interest rates are about 6.3%, which is what your current rate's Yep. at.","start_word":2379,"end_word":2410,"intents":[{"intent":"Sharing interest rate values","confidence_score":2.2596664e-7}]},{"text":"And then, you know, obviously, depending on how everything goes, the the the objective for you is seven years you wanna retire.","start_word":2473,"end_word":2494,"intents":[{"intent":"Discussing retirement objectives","confidence_score":0.12668599}]},{"text":"So there's a cash influx from that that can also help to sort of pay a lump sum up on the investment property, and that'll give us a good sort of injection of of assets to sort of pay that off and get everything kinda happening there. So I guess what I'm saying is moving ahead with the investment property is not unreasonable or out of out of scope.","start_word":2530,"end_word":2598,"intents":[{"intent":"Discuss investments","confidence_score":0.0014688056}]},{"text":"to use the collateral of the house to Correct.","start_word":2986,"end_word":2994,"intents":[{"intent":"Use collateral","confidence_score":0.88168025},{"intent":"Use collateral","confidence_score":0.07956113}]},{"text":"Because we don't wanna we don't wanna start incurring too much of it of of interest over here when we can't deduct it tax wise.","start_word":3002,"end_word":3026,"intents":[{"intent":"Deduct tax","confidence_score":0.82489395}]},{"text":"a bit of a benefit, and you could you know, there's a possibility that we have a bit of a tax rebate that comes in each year.","start_word":3078,"end_word":3104,"intents":[{"intent":"Refinance","confidence_score":0.1737024}]},{"text":"But if you buy a property that you're wanting to move into, something that you're going to be able to see yourself living in come retirement, then it's something that you're able to to maneuver over to once you're, you know, once you do retire. And because Yes.","start_word":3170,"end_word":3217,"intents":[{"intent":"Move into property","confidence_score":0.25113383},{"intent":"Market property","confidence_score":0.028390264}]},{"text":"We wanted to sell because we weren't using the the benefits of everything because we weren't we weren't traveling because of COVID and things like that, Yeah.","start_word":3292,"end_word":3318,"intents":[{"intent":"Sell product","confidence_score":0.21107043},{"intent":"Negotiate deal","confidence_score":0.008138451}]},{"text":"The only thing is when we do sell it, I don't know how to get the money back into Australian money or how much we have to pay, all that sort of stuff.","start_word":3540,"end_word":3572,"intents":[{"intent":"Get money back","confidence_score":0.01537653}]},{"text":"Now we have to work at how we're gonna get it back. I was just having overseas offset account.","start_word":3628,"end_word":3646,"intents":[{"intent":"Work on offset account","confidence_score":0.13112389}]},{"text":"In nine years' time, the closing balance of the, like, money owed would be about $778,000. 700 let's just say $777.07 9,000 is Yeah.","start_word":3751,"end_word":3774,"intents":[{"intent":"Decide owed money","confidence_score":0.00001713488}]},{"text":"at sort of some some debt reduction strategies. Maybe we pop it into your superannuation fund and rinse the money that way.","start_word":3889,"end_word":3910,"intents":[{"intent":"Negotiate debt reduction strategies","confidence_score":0.001327784}]},{"text":"reduce the amount of tax that you have to pay personally. And then after you're 60, we can pull it out tax free. And we can then Yes. basically pull that money out tax free and then pay it off on your mortgage that way. Yes.","start_word":3935,"end_word":3980,"intents":[{"intent":"Reduce tax","confidence_score":0.062089473}]},{"text":"And then, realistically, depending on what you wanna do with the property you live in right now, that could be converted into an income stream to you know, you move out of that, that becomes an investment property. That becomes an Yeah.","start_word":3981,"end_word":4022,"intents":[{"intent":"Turn income into income stream","confidence_score":0.0041022617}]},{"text":"income stream for you guys to then have income coming in on that side, and that may be able to pay, like, the remaining of your mortgage off because, realistically, by the time you retire, the your PPR mortgage is gonna be paid off quite Yeah. quite comfortably.","start_word":4024,"end_word":4071,"intents":[{"intent":"Make income","confidence_score":0.015045332}]},{"text":"So it it just sort of kinda gives us that that capacity to to be able to play around with, you know, you basically being able to move into a new property and then utilizing the current mortgage as current property as a as an investment property later, letting you letting you downsize.","start_word":4071,"end_word":4123,"intents":[{"intent":"Use existing mortgage as investment property","confidence_score":0.0010469642},{"intent":"Utilize property as investment","confidence_score":0.00009116267},{"intent":"Use and sell current mortgage as investment property","confidence_score":0.000020224266},{"intent":"Sell property as investment property","confidence_score":0.0012520856},{"intent":"Use investment property as investment property","confidence_score":0.02150673}]},{"text":"we're still gonna have that cash injections in if Yeah.","start_word":4241,"end_word":4250,"intents":[{"intent":"Have cash injections","confidence_score":0.004535881}]},{"text":"Like, it's giving you a guaranteed 6.38% return realistically.","start_word":4296,"end_word":4304,"intents":[{"intent":"Create guaranteed return","confidence_score":0.0027607149}]},{"text":"Because then if we end up moving into the the rental property the investment property and using this, we can still then if we need to pay something off to bring our debt down, we could use that investment and still have this Correct.","start_word":4355,"end_word":4398,"intents":[{"intent":"Use investment as investment property","confidence_score":0.07100172}]},{"text":"house as collateral as the investment to sell off later.","start_word":4399,"end_word":4408,"intents":[{"intent":"Use current mortgage as collateral","confidence_score":0.08283956},{"intent":"Use investment property as collateral","confidence_score":0.14634572}]},{"text":"But if we did sell this house, we would pay more capital gains because there's less on the mortgage.","start_word":4410,"end_word":4428,"intents":[{"intent":"Clarify capital gains and investment options","confidence_score":0.0005936795}]},{"text":"So so what it comes down to and what the strategy realistically is is whatever the accountant calculates the capital gain Cool.","start_word":4901,"end_word":4922,"intents":[{"intent":"Calculate capital gains","confidence_score":0.1944962}]},{"text":"both houses up to give us a bit more money towards it Yeah. anyways. We're not really losing that money. It's gaining us to a degree without having to pay the tax, man. Yeah.","start_word":5161,"end_word":5194,"intents":[{"intent":"Discuss expenses and benefits","confidence_score":0.0009718205}]},{"text":"So you can always give the office a call, or you can just send me an email and schedule in an appointment for you and Troy.","start_word":5508,"end_word":5533,"intents":[{"intent":"Schedule appointment","confidence_score":0.030906944}]},{"text":"So now you I think Fabian said said that you'd leave a small amount in my Hester account without closing it completely to my income protection because I wouldn't be able to get anything better than what I'm getting at the moment. Is that right?","start_word":5881,"end_word":5925,"intents":[{"intent":"Leave money","confidence_score":0.06532843}]},{"text":"I wanna keep your HESTA account open to keep your insurance in place. I don't wanna close it. I think it's still, whilst it might only be a limited benefit, Yep.","start_word":5949,"end_word":5979,"intents":[{"intent":"Keep insurance","confidence_score":0.05765592},{"intent":"Maintain investment status","confidence_score":0.000004230235}]},{"text":"with my employer's tax contributions in my super, does Yep. that stay in the Chester or do I have to get it transferred to another account with you? Or how does that Nope.","start_word":6238,"end_word":6270,"intents":[{"intent":"Discuss with yep","confidence_score":0.008816977}]},{"text":"We wanna keep it in place until Yep. we decide Cool.","start_word":6315,"end_word":6325,"intents":[{"intent":"Remain in place","confidence_score":0.007139156}]},{"text":"And we would just do rollovers. So I would move majority of the money. I would invest the majority of the money, and we just do rollovers every annum Okay.","start_word":6339,"end_word":6368,"intents":[{"intent":"Confirm plan for yep","confidence_score":0.000013318549}]},{"text":"to just keep that balance to, you know, a nice minimum and just chop Yep. up where we're at from a from an investment point of view. Okay.","start_word":6369,"end_word":6396,"intents":[{"intent":"Maintain balance","confidence_score":0.27821288}]},{"text":"to get access to what I'm at the end of the I mean, I'm not that I access my history often anyway, but if I wanted to access what's in the accounts and stuff, does that go I go through you with that?","start_word":6469,"end_word":6511,"intents":[{"intent":"Access accounts","confidence_score":0.20241086},{"intent":"Access history","confidence_score":0.14646056}]},{"text":"And then I would go away, do any research that may need to happen, put together a a statement of advice document, and then present to you the plan of action from there. And Yes.","start_word":6605,"end_word":6639,"intents":[{"intent":"Discuss and prepare plan of action","confidence_score":0.0019703838}]},{"text":"we would do that every annum, and I would give you a full update as to where things are at. I send you statements for for for the like, reporting on both of the accounts. So that way you have everything you need. Yeah.","start_word":6640,"end_word":6683,"intents":[{"intent":"Provide updates and updates","confidence_score":0.004661805}]},{"text":"I send you statements for for for the like, reporting on both of the accounts. So that way you have everything you need. Yeah.","start_word":6660,"end_word":6683,"intents":[{"intent":"Send statements for accounts and updates","confidence_score":0.00002820082}]},{"text":"I'm thinking that because I just did the failure and said, you know how you think all of a sudden you get that horrible shock, am I being big, you know, how everyone gets a super out of super? And I'm like, oh, maybe if it's a legit, I'm thinking, you know, just get that whole minute of panic and think, oh, shit. Am I really be stupid?","start_word":6725,"end_word":6792,"intents":[{"intent":"Express frustration with failure","confidence_score":0.0026239962}]},{"text":"You you'll be able to have you'll be able to have, like, a a full full app app access application. So you can download an app on your phone, you can log in, and you can check it yourself. Yep.","start_word":6849,"end_word":6888,"intents":[{"intent":"Offer app access","confidence_score":0.03425199}]},{"text":"That's cool.","start_word":6889,"end_word":6890,"intents":[{"intent":"Express gratitude","confidence_score":0.0072445804}]},{"text":"Because I like I said, at the moment, I don't have any contact for you at all. Only Yeah. what the the number Fabian rang me on. I don't have any other contact for you. So but, yeah, I'll probably need that if to bring you back next week once I get the tax accountant figure and then go from there. Yeah.","start_word":6891,"end_word":6952,"intents":[{"intent":"Request assistance with obtaining tax accountant figure","confidence_score":0.00004258527},{"intent":"Request additional contact for fabrica","confidence_score":0.0056976085}]},{"text":"So I'm I'm happy to get my team to give you a call next week, say, mid to late So next next week.","start_word":7099,"end_word":7121,"intents":[{"intent":"Schedule call","confidence_score":0.743194}]},{"text":"And Thursday, all if Troy's around, happy good. to have a chat to him as well depending on what Yeah.","start_word":8095,"end_word":8114,"intents":[{"intent":"Schedule call with troy","confidence_score":0.014896068}]},{"text":"And I sort of retry information and sort of what to do. So yeah.","start_word":8342,"end_word":8355,"intents":[{"intent":"Retry information","confidence_score":0.4334783}]},{"text":"then use the house for the investment. So yeah. That works out.","start_word":8394,"end_word":8405,"intents":[{"intent":"Use house for investment","confidence_score":0.66977966}]},{"text":"Give me a bit of a a focus point now to sort of really think on where we wanna go and what we wanna do, which is good because before that, I sort of like, I don't know what to do. I don't know what to do. But I know.","start_word":8410,"end_word":8459,"intents":[{"intent":"Determine purpose of mortgage","confidence_score":0.0013950544}]},{"text":"Give me a bit of a a focus point now to sort of really think on where we wanna go and what we wanna do, which is good because before that, I sort of like, I don't know what to do. I don't know what to do. But I know. It it becomes so overwhelming it's low when responsibility. you have too many options. Yeah.","start_word":8410,"end_word":8474,"intents":[{"intent":"Identify priorities","confidence_score":0.00024326595}]}]},"sentiments":{"segments":[{"text":"Hello.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.10040420293807983},{"text":"Good afternoon, my darlings.","start_word":1,"end_word":4,"sentiment":"positive","sentiment_score":0.444100558757782},{"text":"Hey. How are you?","start_word":5,"end_word":8,"sentiment":"neutral","sentiment_score":0.19831500947475433},{"text":"Good. Good. Good. Good. Good. She's lovely. She's great.","start_word":9,"end_word":17,"sentiment":"positive","sentiment_score":0.5963348746299744},{"text":"She's a bit nervous. She's like a it's always scary because you see so many scary things on the TV, and you're always worried about scams, but she's good. She just said, obviously, with all of this, the money is hers and Troy. So she's like, well, it sounds Yes.","start_word":18,"end_word":67,"sentiment":"neutral","sentiment_score":0.0013237552484497428},{"text":"good to me.","start_word":68,"end_word":70,"sentiment":"positive","sentiment_score":0.3897600471973419},{"text":"I will wanna sit down with Larissa where Troy is there, and he can ask all of his questions and just make sure we're all happy and comfortable with the overall strategy before going and pumping money in there. Absolutely. So I said, look. Cool. Larissa will run through all the compliance stuff with you now, and I'm like, it's not anything urgent. She's just recommended doing it before end of financial year. So we've got time where we can schedule a a suitable time to go through and have that conversation. Yeah. Absolutely. No. Fantastic. Proper on through, and I'm so happy to have a chat. Do you need her back? Or Nope. I am done. Everything is signed. I've got ID, tax file number, beneficiaries, all sorted, and we'll send it through to you soon.","start_word":71,"end_word":207,"sentiment":"neutral","sentiment_score":0.18245722353458405},{"text":"I love. Thank you. Excellent.","start_word":208,"end_word":212,"sentiment":"positive","sentiment_score":0.4200896620750427},{"text":"Alright. One second. I'll get her. Thanks for holding. So I've got Clarissa for you. She'll have a quick chat about everything, and she can sort out a suitable time to catch up with you and Troy at a later stage to go through all the other stuff. Yep. Alright. Sounds good. Alright. Take care.","start_word":213,"end_word":267,"sentiment":"neutral","sentiment_score":0.16681723296642303},{"text":"You have a good day.","start_word":268,"end_word":272,"sentiment":"positive","sentiment_score":0.35847240686416626},{"text":"Thank you. Bye. Cheers. Bye. Hi, Michelle. How are you going? Yeah. I'm good.","start_word":273,"end_word":286,"sentiment":"neutral","sentiment_score":0.19170935451984408},{"text":"Thanks. I'm good. That's good.","start_word":287,"end_word":291,"sentiment":"positive","sentiment_score":0.38620445132255554},{"text":"So I went through and obviously put everything together, and I looked at everything we spoke about. So I looked at I looked at the the the possibility of buying an investment property, what we could do in that in that arena. I also looked at the CGT event that you will have. Now as I did discuss with you at Monday, your accountant's gonna have a better concept as to what the actual CGT event will be as an Yep. outcome. Yeah. But I did a like, an estimated calculation based on the buy and sell data that you gave me. Now I'm well aware that, you know, there's generally sales costs associated with, you know, even the sale of a land that you could Yes. be able to, you know, pass or, you know, use as a deductible. So my math is gonna be a little bit of a variance to what the account is gonna be be able to produce. Yeah. I don't know if that's that's fine. Yeah. But what I what I looked at was if we were to make so what I what I looked at is we sold the property for $5.50, bought the property for, you know, $2.90, what the what the difference in that is because that's that's basically what the capital gain is is, you know, what you what you sold versus what you bought. Yep. What you From made there on it? Yep. yeah. Correct. Obviously, any deductibles can come off that purchase price. I obviously don't have those details. Accountant's gonna be able to get down mid like, nitty gritty into that. Yep.","start_word":292,"end_word":566,"sentiment":"neutral","sentiment_score":0.044830254316329955},{"text":"That gives us a $260,000 gain.","start_word":567,"end_word":572,"sentiment":"positive","sentiment_score":0.40470972657203674},{"text":"Now because we've owned the property for more than 12 or the land for more than twelve months, we get a 50% capital gain offset, which gives us a 130,000. And then you only own half of that, which gives you $65,000 worth of the capital gain. Now how capital Yep. gains works is that capital gain is added to your income for the year, and you're taxed at the at that marginal rate on that income.","start_word":573,"end_word":649,"sentiment":"neutral","sentiment_score":0.20544390380382535},{"text":"So Yep. what that's gonna do for you and what it actually does for Troy as well is it actually increases both of your incomes into different brackets.","start_word":650,"end_word":677,"sentiment":"positive","sentiment_score":0.3935329020023346},{"text":"So you are gonna bump up into the bracket that Troy's currently in, and Troy actually Yes. bumps up into a higher bracket again. So I did the math on basically where your your tax would sort of sit just so I could get a bit of an understanding as to, you know, if we were to if you if you were to go and do what you, you know, what you were sort of planning and and pay the capital gains, and you were looking at Yep. $38 worth of tax for you alone because of the gain, because you move into I that got higher it. bracket. So what I wanted to do was I wanted to look at whether we we we could basically put the money the the $65,000 that you've made and that you would be taxed on into your superannuation fund. Yep. Now Troy could obviously do the same, and I did sort of, in the appendix, put a bit of information as to if he was to do that, what that does. Now I'm well aware that if we take money from your superannuation fund oh, sorry. Take money from your offset and put that into Yep. your superannuation fund, where where we're gonna take that money from is your offset account. And Yep. that's going to result in you having money less that's gonna have you with with a That's gap. the number that we reached. Yeah. Yes. A gap on the mortgage. Yeah. So what I what I've done is I've actually popped in in the appendix document. There's a nice little table with, like, the mortgage. So, basically, if you would have just put money into your superannuation fund to $65,000, it would result in a $42,000 gap that you would then incur interest on. Yeah. I based the mortgage over a twenty three year time frame. I did take a little bit of a stab at that just based on when you bought the property and assuming a thirty year purchase Yeah. That's rate correct. to begin with. Cool. Look at me go. Yeah. And, obviously, I had the the interest rate of 6.38%. So it does Yep. give you we sorry. You are gonna be incurring interest because we're not gonna have as much sitting on the offset as what we otherwise would have. So that is Yep.","start_word":678,"end_word":1077,"sentiment":"neutral","sentiment_score":0.01235683579929173},{"text":"the biggest, I guess, way up between the two avenues. This gives you more money within your superannuation funds paying and not having to pay the tax on the capital gain. Yep. But you're gonna you're gonna have a little bit of interest, which is gonna increase those mortgage repayments for you a little bit each week.","start_word":1078,"end_word":1134,"sentiment":"positive","sentiment_score":0.4317297041416168},{"text":"Oh, we're just paying the So same as what we were paying without the and we're just saying we're paying the same. It's just coming off our principal, not but bit of both. That's all. yeah. So Yeah. you you're gonna have those that those interest chart those interest amount charge. So I can see Yeah. the the repayment amount won't change, but those interest repayments are gonna are gonna start coming back in. One second. Sorry. Yeah. No. You're right. Have a drink of water. Clear my throat. So yeah. So it it means that where you are otherwise going to be able to pay repay that that debt off a little bit quicker because we were we were on interest, but we were on principal only, you're gonna be back Yes. towards that sort of thirty twenty three year time frame Yes. to get it paid off. So it's just gonna kind of push you back out a little bit on that front. Now what we well, it's not you're not even gonna hit the full twenty three year time frame anyway because you still got majority of it offset. Yes. Now what I did look at is, obviously, in I I looked at if you both did it. Because as I said, although Troy is not my client, I still wanted to sort of give you the information so that Yep. you guys could No. sort It's of sit good down. for me because then I know for myself if he did it, this is what it Yeah. would be.","start_word":1135,"end_word":1397,"sentiment":"neutral","sentiment_score":0.06293976306915283},{"text":"So now that is good information for me to know I'm not just working online because it Yeah.","start_word":1398,"end_word":1415,"sentiment":"positive","sentiment_score":0.3872969150543213},{"text":"is the money's joint. So, yeah. And you can take it to the account, and you can have a chat with the accountant.","start_word":1416,"end_word":1438,"sentiment":"neutral","sentiment_score":0.2497578263282776},{"text":"Obviously, again, the accountant has the better outcome when it comes to tax planning in terms of, like, a capital gains event because he's they're gonna have the receipts for everything that you've incurred in the in the purchase and sale Yep.","start_word":1439,"end_word":1480,"sentiment":"positive","sentiment_score":0.3512497842311859},{"text":"and, you know, if you had to mow the block of land before it got sold, whatever the case may be. Well, Whatever you did this to is where the block. this work is a little bit tricky because we had a agreement with the people we bought it off. For maintenance on the block, so we didn't have to pay for border clearance and maintenance Yep. on the block. He put his catalog for free. So he'd maintained it by putting the cows on there. He had a business for no cost. It was a barter system. Yep. So Marty didn't change hands, but it was a barter system.","start_word":1481,"end_word":1590,"sentiment":"neutral","sentiment_score":0.03904243558645248},{"text":"So we got what we wanted without changing, and he did too.","start_word":1591,"end_word":1602,"sentiment":"positive","sentiment_score":0.3542972207069397},{"text":"So instead of paying us to have his cattle on the block. Yeah. So that's where we don't have any receipts. So we No. just need the barter system being a small country town. It's yeah. No. And that's that's completely fair enough. I I guess so the only receipts you would have is if you went through a real estate agent for the sales of the Yes. like, the sale of the property, you would have those costs that you've incurred for that sale. You have your solicitor fees or the rest of it for any of the Yes. settlement stuff. So that'll would all, you know, come into into play for that front. So it just it just gives you a representation of of the effects that your mortgage is gonna have because you if we take off out of the offset account, because we have 4 Yep. 100,000 sitting in the offset account with $3.37 in the mortgage, it's gonna result in us having, like, for Yep. you, if it was it was just one of you that did it to to the full 65,000, you're looking at $42. If it's both of you, it's it's, you know, a 107. So it's just giving you 100 that and that seven gap, is it? 107,000 gap year. No problem. Just Now like Troy and I no. That's okay. yep. Yeah. No. That's not Now now if you put the entire amount of the capital gain in your superannuation fund, what you're essentially doing is you are removing the capital gain event Yep. by putting it into your superannuation fund concessionally. So you still have to pay tax, but it's at 15% rather than your marginal rate, which your marginal rate are both within the 3237% range. Yes. So we're saving anywhere from 17 to 27. Wow. Sorry.","start_word":1603,"end_word":1911,"sentiment":"neutral","sentiment_score":0.023963628577906335},{"text":"My math just literally died on me then.","start_word":1912,"end_word":1919,"sentiment":"negative","sentiment_score":-0.57000333070755},{"text":"78% to twenty twenty something.","start_word":1920,"end_word":1924,"sentiment":"neutral","sentiment_score":-0.10520651936531068},{"text":"Wow. That's terrible. Coffee definitely definitely hasn't kicked in.","start_word":1925,"end_word":1933,"sentiment":"negative","sentiment_score":-0.4925527572631836},{"text":"Yeah. 17 to 22%.","start_word":1934,"end_word":1937,"sentiment":"neutral","sentiment_score":-0.06353754550218582},{"text":"Wow. That was terrible of me.","start_word":1938,"end_word":1943,"sentiment":"negative","sentiment_score":-0.5927579998970032},{"text":"Wow. Yeah. So, you know, at in the 32% bracket, you're obviously saving 17%, the difference between thirty two and fifteen, and then that's 37% tax bracket, you're saving that 22%. 22%. Yeah. So it just it it allows you to to put more money away for you. Now the obvious downside is it's seven years before we can touch that money for for retirement purposes. So we're we are locking that money away from ourselves, which which is a little bit of a pain there, but the other I guess the positive side is it's invested in the market. I've gone conservative. I haven't gone really aggressive with our investment because we're under Yeah. that that ten year time frame, and and you you don't really have the the want to go super aggressive with it.","start_word":1944,"end_word":2080,"sentiment":"neutral","sentiment_score":0.0551455058157444},{"text":"So I've gone for a nice, moderate investment, but still obtaining some really good growth investment stocks. There's stuff that like, stocks that are gonna, you know, generate a good income, but, you know, I've divide diversified everything out really nicely.","start_word":2081,"end_word":2121,"sentiment":"positive","sentiment_score":0.38657814264297485},{"text":"Yep. No worries. Now I did also look, and you can you can have a look at the the mortgage in mortgage calculator. It's it's in the the SOA appendix. It's what I did was I had a look at the Perth CBD. The difference between Perth and Brumbury was massive in terms of, obviously, a a distance. Process? Yeah. Yep. Yeah. The price is not so much, to be completely honest. You know, there are there are apartments in the first CBD that are going for, you know, your 1.3, but I also found a couple that were going for, like, $5,600,000. But they were very much a little studio apartment box, so I obviously didn't go for that kind of range. So I Yep. kinda looked at something that was, like, a nice little moderate mix between. Yep. Look. Not gonna lie.","start_word":2122,"end_word":2265,"sentiment":"neutral","sentiment_score":0.012379229029950997},{"text":"It's really cute if you wanna buy it.","start_word":2266,"end_word":2273,"sentiment":"positive","sentiment_score":0.5018855333328247},{"text":"No. I found something that was sort of in in that East West Perth portion over by the the river. Yep. And we'll sort of I I looked around and and got a moderate price range of about 900,000. Yep. And what I did was I did a mortgage calculator up to show what that mortgage calculator would look like. So assumption being a $900,000 price purchase price, Yep. utilizing the equity of your PPR, a rental Yep. income of a thousand dollars, that's that was the sort of median income range for properties in that in that price range and within where I looked. Real estate cost of that 1.7% of the rental income, because, obviously, that's something we have to do, and interest rates are about 6.3%, which is what your current rate's Yep. at. I had a look around, and that's pretty much the price range for an investment property at the moment, maybe a little bit more or less depending on, you know, obviously, all the variables that come with purchasing Yeah. properties and everything like that. I did a thirty year time frame just to, you know, have a a decent decent gap. Yep. And then, you know, obviously, depending on how everything goes, the the the objective for you is seven years you wanna retire. From from retirement, we want to look at from retirement, we, you know, we we also have that seven the the investment the property overseas that in seven years Yep. is gonna come up.","start_word":2274,"end_word":2528,"sentiment":"neutral","sentiment_score":0.04545743390917778},{"text":"So there's a cash influx from that that can also help to sort of pay a lump sum up on the investment property, and that'll give us a good sort of injection of of assets to sort of pay that off and get everything kinda happening there.","start_word":2529,"end_word":2575,"sentiment":"positive","sentiment_score":0.42937731742858887},{"text":"So I guess what I'm saying is moving ahead with the investment property is not unreasonable or out of out of scope. It's nothing we Yep. could definitely do. The biggest part of it is the fact that the ink like, the interest or mortgage repayments per I I in in the calculator, you'll see it's it's the mortgage the mortgage repayments I've done yearly for you. So I can show you what Yep. it looks like over the full thirty years. I didn't wanna give you, you know, 5,000 different months. No. No. That's okay. Just just what the repayment like, as long as the rate covers the repayment on that investment, that's pretty much all we really needed to know It's because the rate not, starts like that. yeah, it's not quite gonna cover it. So that's, I guess, probably where where the biggest gap is falling is Yeah. that on Yep. a $900,000 property, if we don't put any any money down on it, we are gonna end up with about a $15,430, Yep. That's it. yeah, deficit. Correct. That that's gonna, you know, mean that you guys have to put money in each week, month. Now if we really Yeah. so they put that to to scope and look at what $15,000 is, that's $300 a week. Yeah. So it's Which not is what I would be which is huge. what I would be paying. Yeah. Because that's that's what I would be paying on the what the land more right anyway because we only had that we had a 100 and something Yeah. thousand for over ten seven years or ten years or whatever it was. So I was paying three out of the week anyway for that. Yeah. So that would But be my because Troy pays the house. yes. Yeah. Right. Yeah. And pays for all the bills. So it's it's not it's not completely out of scope. It's just probably a a budgetary conversation as to whether it's something we can afford and then probably a little bit more of a deeper conversation with, you know, getting the broker involved, maybe doing a bit of a a refinance on the current property. We obviously wanna put as much of the debt onto the investment property as possible. We we don't wanna be using any of, like, any of the money we have in a deposit on No. buying We'd the have property. to use the collateral of the house to Correct. buy the Yeah. property. Yeah. Definitely. Yeah. Because we don't wanna we don't wanna start incurring too much of it of of interest over here when we can't deduct it tax wise. The Yeah. benefits with the investment property is it becomes a deductible debt. So whilst, yes, you guys might have to put, you know, 15 and a half thousand dollars into the property each year, we have a deduction that comes off both of your incomes. So so that becomes Yeah. a bit of a benefit, and you could you know, there's a possibility that we have a bit of a tax rebate that comes in each year.","start_word":2576,"end_word":3104,"sentiment":"neutral","sentiment_score":0.013591265591083267},{"text":"Obviously, the risk with an investment property, as you guys know, if no I one think fills you're up. the spot, yeah, if no one fills the spot, you might have a month where you're all of a sudden having to fork out and pay for the entire mortgage repayment.","start_word":3105,"end_word":3154,"sentiment":"negative","sentiment_score":-0.3707449734210968},{"text":"There is always Yeah. that risk in, you know, in proceeding with something like this. But if you buy a property that you're wanting to move into, something that you're going to be able to see yourself living in come retirement, then it's something that you're able to to maneuver over to once you're, you know, once you do retire. And because Yes. we have that that overseas investment property already, it just gives us that better collateral for, you know, for how we can make sure that the property is paid the property gets paid off. Obviously, until until you know what the overseas part apartment is going to sell for, Yeah.","start_word":3155,"end_word":3267,"sentiment":"neutral","sentiment_score":-0.010945646092295648},{"text":"At the I think the it's last gone hard.","start_word":3268,"end_word":3276,"sentiment":"negative","sentiment_score":-0.3919258713722229},{"text":"estimate they they offered us, I think, might have been a year or two ago. We wanted to sell because we weren't using the the benefits of everything because we weren't we weren't traveling because of COVID and things like that, Yeah. and we were just busy. I think it came in at a 135,000 two years ago. I think it was roughly it was in Belmont when they offered us that. So yeah. It was like, oh, we can buy it back off you now. And if it's on US market, it's US they got the US US dollars? price. Yeah. Yep. That's it. Because we bought it at US cost as well. I think it cost us $53 Yep. back way then, and it's meant to stay at a five star rating. So you you get the rewards of having that as a five star doesn't get decreased as part of the contract. Yep. So I'm roughly guessing don't count me on this. Unless The US US market bombs out and Trump done something really shitty and that they left on their own. I think it was worth it. It's about 250,000 we get paid at the end or 300,000 at the end because of the twenty year period. Yeah. Okay. So it was just a small top up for our supers, basically, that we used it for. And if we wanted to use holidays and use the work for it, which we haven't. Yeah. But yeah. It was like it wasn't sort of like a slower investment down the track. The only thing is when we do sell it, I don't know how to get the money back into Australian money or how much we have to pay, all that sort of stuff. We didn't think about that The when taxes. we bought it. Yeah. Yeah. We didn't think of any of that when we bought it. It was like, oh, okay. We'd be a holiday and do this and do that with the external money that we put into it. Yeah. So yeah. She was like, okay. Now we have to work at how we're gonna get it back. I was just having overseas offset account. You'd be overseas account. You'd be fine. I'm like, well, how the hell do you even do that? So that's the Yep. thing to think of when it comes closer. But yeah. No. That's okay. So, like, if if so if we were to put into, I guess, like, if we if we were to sort of look at it as a whole I Yes. keep saying seven years because I keep getting stuck up on the fact that seven years still property sells, but it's nine years for retirement. In nine Yeah. years' time, let's just say we will buy a property now. In nine years' time, the closing balance of the, like, money owed would be about $778,000. 700 let's just say $777.07 9,000 is Yeah. what we would sort of be looking at as what would be owed. So from that, what we could realistically do is the $300,000 that comes in from the sale of that property, let's just say we have to pay tax because there will be some kind of tax in some portion. Yeah. I couldn't tell you what that looks like either. That is 100% gonna be the accountant. He he wanted But, to go to another saved account. So I was just I didn't know the answer to that. But anyway You know, we could we could look at either just putting that straight into the the the mortgage, or we look Yep. at sort of some some debt reduction strategies. Maybe we pop it into your superannuation fund and rinse the money that way. Rinsing Yeah. is the the worst word I could use, but, basically, put it into your superannuation fund in a tax effective way, Yeah. reduce the amount of tax that you have to pay personally. And then after you're 60, we can pull it out tax free. And we can then Yes.","start_word":3277,"end_word":3962,"sentiment":"neutral","sentiment_score":0.008638934678949264},{"text":"basically pull that money out tax free and then pay it off on your mortgage that way.","start_word":3963,"end_word":3979,"sentiment":"positive","sentiment_score":0.35754600167274475},{"text":"Yes. And then, realistically, depending on what you wanna do with the property you live in right now, that could be converted into an income stream to you know, you move out of that, that becomes an investment property. That becomes an Yeah. income stream for you guys to then have income coming in on that side, and that may be able to pay, like, the remaining of your mortgage off because, realistically, by the time you retire, the your PPR mortgage is gonna be paid off quite Yeah.","start_word":3980,"end_word":4068,"sentiment":"neutral","sentiment_score":0.22981502098983592},{"text":"quite comfortably. So it it just sort of kinda gives us that that capacity to to be able to play around with, you know, you basically being able to move into a new property and then utilizing the current mortgage as current property as a as an investment property later, letting you letting you downsize.","start_word":4069,"end_word":4123,"sentiment":"positive","sentiment_score":0.4844095706939697},{"text":"Obviously, if Yeah. you guys don't wanna have the investment property, then we can definitely look at, you know, how like, when we like, selling that property off, giving you a nice big injection of cash, paying off your current mortgage, and, you know, popping some of the money into superannuation or popping some of the money into sort of investment strategies to give you some, you know, just I mean, long like term you said, income. if we if we just use the clutter of this house and keep the other money in there, that other money is gonna be sitting there unless we invested in something anyway and make money Yeah. on that. So Yeah. we're still gonna have that cash injections in if Yeah.","start_word":4124,"end_word":4250,"sentiment":"neutral","sentiment_score":-0.024320971220731735},{"text":"we don't do anything, it just sits there, which is really useless because it's not making any money for us or getting any interest on it to get it top it up.","start_word":4251,"end_word":4282,"sentiment":"negative","sentiment_score":-0.38858065009117126},{"text":"But yeah. Unless It is you put and it it into isn't. it. Like, it's giving you a guaranteed 6.38% return realistically. Whilst it's Yep. not making money, it is guaranteeing that you're not paying 6.38%. Yeah. It's also guaranteeing that you're paying your mortgage off in shorter than the original thirty year time frame because you're paying more off the principal Which which than makes you are sense in anyway. interest. Because then if we end up moving into the the rental property the investment property and using this, we can still then if we need to pay something off to bring our debt down, we could use that investment and still have this Correct. house as collateral as the investment to sell off later. But if we did sell this house, we would pay more capital gains because there's less on the mortgage. No. You wouldn't. It's a PPR. We would, It's yeah. a it's a primary place of residence, and you would pay no capital gains at all. So Okay. you don't So pay we'd capital sell this gains to on a yeah. It's it's tax free. Obviously, you start to pay for all the sales costs, real estate agents, yeah. solicitor, Yeah. Yeah. That and all that the rest I of the realized stuff. that part. But if my thing was if but I thought you had to live in the place when you sold it to get your to get out of the capital funds. If you we moved into the investment property then sold this one. This one just became our investment property, would it not? No. It it it does, but there's a six year rule. So it'll it allows you to actually yeah. There's a there's Yeah. Because a sneaky that that was cheeky what I little was rule. thinking like yeah. Because we weren't because we're living in the our principal places where we live. So if we did that, this would be then became our investment, then it's got less on the mortgage then, like, we probably almost had a mix of nothing on it while it's, Yeah. you know, seven years time if we did keep it. We would have pretty much nothing to pay on this house at all. Yeah. No. So because we would probably well, Troy wants to pay it off in the next six years. So yeah. Okay. So that works. We've got, like, a a leeway there, how that works. Yeah. Yeah.","start_word":4283,"end_word":4700,"sentiment":"neutral","sentiment_score":-0.012930917852161604},{"text":"Cool. So it lets us do everything we wanna do.","start_word":4701,"end_word":4710,"sentiment":"positive","sentiment_score":0.46785980463027954},{"text":"I think the the biggest thing and and something you definitely definitely need to talk to Tory about is whether we're willing to take from the offset, Yep. which means we're gonna run off a bit of interest, paying Yep. a little bit less on the on the on the Principle. cap on the principal capital Yep. of the loan, but we're gonna avoid that CGT, which, realistically, the CGT is a straight out you just pay the tax man. Yeah. So we put 65 for me to pop into my super to offset my capital gains. Yep. And Troy's what was Troy's? His would be a bit more. It'd be the same. It's the exact same. So what Exact it comes same. down So we both put a 100 and to 130. 30. Total. Yep. Yep. Into 65 in each super, which is fair because then, you know, we're not separating the money at all Yep. into the our supers.","start_word":4711,"end_word":4871,"sentiment":"neutral","sentiment_score":0.0012898355814981164},{"text":"That offsets our capital gain straight up, but it helps us in the long term with our super and our investments and stuff like Yep.","start_word":4872,"end_word":4896,"sentiment":"positive","sentiment_score":0.40527671575546265},{"text":"that. Well, that should. So so what it comes down to and what the strategy realistically is is whatever the accountant calculates the capital gain Cool. as Yep. being is what you contribute. Okay. Yep. And then once You we contribute long as we contribute before the financial year. Is that right? roles. Before Yeah. So yeah. you you have to because I know you said that you had a meeting with your accountant within the next week or so. I so I'll just make an appointment for the end of this week beginning of next, I think you said. Yeah. So Right. meeting with the accountant, getting that CGT calculation done up. Once you Yep. have the calculation done up, 100% give me a call. I wanna talk to I wanna talk to you about it. Yep. That will then give us the ability to know Yes. exactly what it is we put in. So it might not be 65 flat, but it being, like, $64.03 25 or something. Era. But that just gives you the the capacity to be able to totally offset need to pay anything. You obviously still pay your marginal rate. So you've, you know, you've earned $80 for the year. Yep. Yeah. Your You employer still pay the normal tax. yeah. You still pay your normal Yep. tax. We're not we're not offsetting anything there, No. but you just you you're not gonna have a CGT bill. Yeah. Yeah. No. That's fine.","start_word":4897,"end_word":5144,"sentiment":"neutral","sentiment_score":0.07688548605168058},{"text":"That's cool.","start_word":5145,"end_word":5146,"sentiment":"positive","sentiment_score":0.6857569813728333},{"text":"That's I just thought I sort of yeah.","start_word":5147,"end_word":5154,"sentiment":"neutral","sentiment_score":0.2423224151134491},{"text":"Excellent.","start_word":5155,"end_word":5155,"sentiment":"positive","sentiment_score":0.6605255007743835},{"text":"And that still tops Yeah. both houses up to give us a bit more money towards it Yeah. anyways. We're not really losing that money. It's gaining us to a degree without having to pay the tax, man. Yeah. And, I mean, the Yeah. other option is is if Troy's uncomfortable with putting that much money in or taking that much away from the offset, like, for example, Yeah. if, you know, Troy wanted to keep the house fully offset, you know, you could do part thereof. So, theoretically, there's $23,000 roughly sitting in a gap between what, you know, what you have in the in the offset account, the 400 Yes. versus what the mortgage is being $3.37. So the 23,000 Yes. dollars, you could just split that pretty even like, evenly between the two of you, pop in about 11 and a half each. It means Yes. that you're not you're not having to pay the capital gain on that 11 and a like, 11 and a half each. Yes. So you could you could part we could definitely part thereof it. It just depends on which is, you know, as I was saying on Monday, a little bit of a hard hard part is that this is obviously very contingent on how comfortable Troy is. And I'm Yeah. very much more than happy to have a conversation with yourself and Troy, you know, next week, but, you know, before like, after sorry. Not after after you meet with the accountant to talk through where things sit because it does very much, you know, Yep. affect I him. think that I think that would work better. I've Yeah. got to go and get catch up with it. How do I get a hold of you, Nerissa? Because I haven't got any No. emails or anything through. I've only got the number that Fabian's rung me on. Absolutely. How about what I'll do right now is I'll send you an email. That way you have my direct email address, Yep. and you have my contact number on there as well. So you can always give the office a call, or you can just send me an email and schedule in an appointment for you and Troy.","start_word":5156,"end_word":5532,"sentiment":"neutral","sentiment_score":0.0805591707085741},{"text":"Okay. Yeah. Cool. That would that would be great. Now I've signed all those paperwork.","start_word":5533,"end_word":5547,"sentiment":"positive","sentiment_score":0.5522769689559937},{"text":"So that means now that I you're taking over, Yeah. getting more that sort of stuff now with my super and bits and pieces. Yep.","start_word":5548,"end_word":5572,"sentiment":"neutral","sentiment_score":0.24322599172592163},{"text":"100%. So I'm gonna I can start getting everything rolling slowly.","start_word":5573,"end_word":5583,"sentiment":"positive","sentiment_score":0.3682447671890259},{"text":"Okay. Obviously, Yep. there's no no contributions that will you know, we won't make the lump sum contribution. I can't just reach into your bank account and grab it. Yep. But we we can definitely have a conversation in, say, a week or two's time. You let me know the date and time, and and Yes. we can just make sure we iron out that exact detail as to how much you guys are comfortable Yep. contributing. I can have a chat with Troy. We can, you know, have a chat about the sort of budgetary constraints that you guys might run into from, you know, Yep. purchasing an investment property, where we really sit comfort wise with our money, and what that might look like for us together as well. Yeah. Okay. That Yeah.","start_word":5584,"end_word":5718,"sentiment":"neutral","sentiment_score":0.1182965487241745},{"text":"sounds like Perfect.","start_word":5719,"end_word":5721,"sentiment":"positive","sentiment_score":0.39936599135398865},{"text":"the planning. Yeah. Yeah. No. And That sounds and then good if because I mean yep. Sorry. no. You're okay. I was gonna say, and then if we wanna start, like, making a move, I can connect you with my broker. She would be able to look at, you know, a, your your primary place as well. Like, it's always good to go through and make sure that you're getting the a decent rate, especially if you're gonna go and buy another property. If you have two mortgages back to back, Yep. Yep. then then, you know, you can definitely get a better rate. And and just make sure that everything's sitting nicely and we can you know, what our serviceability looks like, obviously, confirm the interest rate, Yep. and we can, like, kinda go from there as to where we're gonna look. And then, you know, maybe, fingers crossed, start looking for a property.","start_word":5722,"end_word":5876,"sentiment":"neutral","sentiment_score":0.14841319716745807},{"text":"Sounds sounds good.","start_word":5877,"end_word":5879,"sentiment":"positive","sentiment_score":0.6316178441047668},{"text":"Yep. So now you I think Fabian said said that you'd leave a small amount in my Hester account without closing it completely to my income protection because I wouldn't be able to get anything better than what I'm getting at the moment. Is that right? Correct. Yeah. So I Yes. had a look at insurances available within, like, the retail market and where everything fits. Yep. And Yeah. I wanna keep your HESTA account open to keep your insurance in place. I don't wanna close it. I think it's still, whilst it might only be a limited benefit, Yep. I Yep.","start_word":5880,"end_word":5981,"sentiment":"neutral","sentiment_score":0.12109895050525664},{"text":"still I still think it's a it's an important benefit to have. The life insurance policy covers yourself it covers covers the mortgage, like, nicely. It gives a nice cash injection if anything happens to you.","start_word":5982,"end_word":6017,"sentiment":"positive","sentiment_score":0.46660006046295166},{"text":"So that way none of none of our, you know, life goals are gonna be affected. Yeah. And and then the the income protection is important from an ongoing cost perspective. I could Yeah. not meet any of those prices in the market. I was looking at a few more grand per year because currently you pay about 3,700. Yeah. I was looking Yeah. at I a think it's, like, $2.02 a 20 bit higher. $230 a a week or a fortnight, I think it was. A Yeah. fortnight. Something like that. Yeah. So yeah. So I I didn't wanna affect you know, No. I That's didn't wanna okay.","start_word":6018,"end_word":6126,"sentiment":"neutral","sentiment_score":-0.026919223368167877},{"text":"increase the cost of our insurance because it makes absolutely no sense to do.","start_word":6127,"end_word":6140,"sentiment":"negative","sentiment_score":-0.3735519051551819},{"text":"Yeah. So what what I wanna do is I wanna basically leave HESTA exactly where it is. I don't Yep. wanna change the investment because I don't wanna take on more risk in the investment pool. I'm happy with where it currently sits from an investment position, but we're just gonna Yep. leave a little bit in the account to just kind of keep it ticking, and it basically becomes an insurance it becomes an insurance paying bank account. So if anything Yep. happens to you, we have that insurance sitting there. Yep. So alright. Now Yeah. with my employer's tax contributions in my super, does Yep. that stay in the Chester or do I have to get it transferred to another account with you? Or how does that Nope. like, So what my we do HR? is we, yeah, we we keep it with Hester. So that way, Yep. we meet Hester's requirement, the legislative requirements to have the account active and receiving contributions because we don't Yep. wanna your insurance still lapse. We wanna keep it in place until Yep. we decide Cool. So, to close it. basically, And everything we stays the same. yeah. Yep. And we would just do rollovers. So I would move majority of the money. I would invest the majority of the money, and we just do rollovers every annum Okay. to just keep that balance to, you know, a nice minimum and just chop Yep. up where we're at from a from an investment point of view. Okay. No worries. Yeah. I was just wondering. Yeah. Because I thought if that happens, where does Yeah. my my contact my super from my boss goes into? Because I get from a couple of places. So yeah.","start_word":6141,"end_word":6433,"sentiment":"neutral","sentiment_score":0.040378029257974526},{"text":"That's all good.","start_word":6434,"end_word":6436,"sentiment":"positive","sentiment_score":0.3392394483089447},{"text":"So it just stays the same, basically. Yeah. Yeah. Just it's Yep. just it's just gonna pull along from a it's it's just gonna hold hold your insurance, really. Okay. And Yeah. to get access to what I'm at the end of the I mean, I'm not that I access my history often anyway, but if I wanted to access what's in the accounts and stuff, does that go I go through you with that? Do I get access, like, as a Yeah. So so with with the two with the two super funds, you can still you can still have your your logins. Yep. Each year, we would do a a a conversation much like what we've kind of done over the last Yep. couple of calls, where I would touch base with you, have a conversation, make sure that everything's kosher, see where we're at, see Yep. where whether we need any more advice or we're ready to move on something that we've talked about previously. And then I would go away, do any research that may need to happen, put together a a statement of advice document, and then present to you the plan of action from there. And Yes.","start_word":6437,"end_word":6639,"sentiment":"neutral","sentiment_score":0.10167451687340666},{"text":"we would do that every annum, and I would give you a full update as to where things are at.","start_word":6640,"end_word":6659,"sentiment":"positive","sentiment_score":0.34382885694503784},{"text":"I send you statements for for for the like, reporting on both of the accounts.","start_word":6660,"end_word":6674,"sentiment":"neutral","sentiment_score":0.27917543053627014},{"text":"So that way you have everything you need.","start_word":6675,"end_word":6682,"sentiment":"positive","sentiment_score":0.38005271553993225},{"text":"Yeah. I should've asked all this before I signed up. But I just thought I just No. it was just rolled You're on okay. the way it rolled on. I said, oh, I probably didn't ask that, and I didn't ask this. I'm thinking that because I just did the failure and said, you know how you think all of a sudden you get that horrible shock, am I being big, you know, how everyone gets a super out of super? And I'm like, oh, maybe if it's a legit, I'm thinking, you know, just get that whole minute of panic and think, oh, shit.","start_word":6683,"end_word":6787,"sentiment":"neutral","sentiment_score":-0.207489550113678},{"text":"Am I really be stupid?","start_word":6788,"end_word":6792,"sentiment":"negative","sentiment_score":-0.4451099336147308},{"text":"So Yeah. but No. I know that I have I get toys, it. big pals, and and everything like that, and I wouldn't do that. Like, it's very hard, like, to get toys accesses and stuff. So and who is Yeah. with us, so that was a bit more very inspiring. I thought, okay. Yeah. No. You you'll be able to have you'll be able to have, like, a a full full app app access application. So you can download an app on your phone, you can log in, and you can check it yourself. Yep. That's cool. Because I like I said, at the moment, I don't have any contact for you at all. Only Yeah. what the the number Fabian rang me on. I don't have any other contact for you. So but, yeah, I'll probably need that if to bring you back next week once I get the tax accountant figure and then go from there. Yeah. Absolutely.","start_word":6793,"end_word":6953,"sentiment":"neutral","sentiment_score":-0.02676980197429657},{"text":"Alright. All good.","start_word":6954,"end_word":6956,"sentiment":"positive","sentiment_score":0.6225521564483643},{"text":"Was there anything else I had to sign? No. That's that's pretty much everything. I think the the biggest I I guess the the probably the the next steps that's that's probably most applicable is just confirming whether you would want me to me and my team to give you a call next week to kinda go through the welcome call. So it's just sort of where we we step things out a little, like, a little bit slowly and just kinda Yes. talk you through the implementation of everything, And we start implementing all the the advice that we've gone through. So, you know, making sure that we're sending you mail and explaining that, you know, beneficiary documents and everything that needs to be filled out there Yep. and just going through everything from a, you know, implementation point of view.","start_word":6957,"end_word":7098,"sentiment":"neutral","sentiment_score":0.2039494216442108},{"text":"So I'm I'm happy to get my team to give you a call next week, say, mid to late So next next week.","start_word":7099,"end_word":7121,"sentiment":"positive","sentiment_score":0.6232470870018005},{"text":"Is week it Wednesday, Thursday? next yeah. Next week, Monday, Tuesday is out because I'm doing ten hour days. Yeah. Wednesday, Thursday, or Friday, a good call, but Wednesday and Friday in the morning before twelve. If you wanna if it's gonna be a a more than a half hour phone call, you need to ring me about 09:00 in the morning, Yeah. my time, I think, which is maybe ten or 11:00 your time because you're ahead Yeah. of us. Yes. Two hours. Yeah. Because I I if it's gonna be that I actually have to be showered and gone by sort of twelve to go to work, It takes Yep. me forty five minutes an hour to get to work. Oh, me too. But if we make it I'll tell you what. If we make it Thursday afternoon, I actually get home here at 02:00. I mean, that's too late for you guys. I think because No. then It's it makes not. it 04:00. Two 02:00 is 04:00, and that is fine. We're in the office till Yeah. 7PM our time, which is 5PM your time. Yeah. Because I'm I'm only on a morning shift on Thursday, so I start at seven and I finish at 01:30.","start_word":7122,"end_word":7330,"sentiment":"neutral","sentiment_score":0.003279348496825581},{"text":"So I Perfect.","start_word":7331,"end_word":7333,"sentiment":"positive","sentiment_score":0.4513376653194427},{"text":"by the time I get home, it'll be about two quarter past two. So Okay. if you make it 02:30, I'll definitely be home on Thursday.","start_word":7334,"end_word":7359,"sentiment":"neutral","sentiment_score":0.17571334540843964},{"text":"Perfect.","start_word":7360,"end_word":7360,"sentiment":"positive","sentiment_score":0.44196176528930664},{"text":"02:30PM, February time, Thursday, twenty third. Yeah. Because I I I've got a morning that day. It's only a half shift. But the other days yeah. It'd be easier if I'm just not I'm not gonna go anywhere for the rest of the day. I love no.","start_word":7361,"end_word":7407,"sentiment":"neutral","sentiment_score":0.048680949956178665},{"text":"Absolutely perfect.","start_word":7408,"end_word":7409,"sentiment":"positive","sentiment_score":0.7347003221511841},{"text":"And, hopefully, by the the time Thursday rolls around, you've had a chance to meet with the accountant too, so Yep. I can grab the figures off you.","start_word":7410,"end_word":7437,"sentiment":"neutral","sentiment_score":0.28368738293647766},{"text":"Yep. That will be good.","start_word":7438,"end_word":7442,"sentiment":"positive","sentiment_score":0.4559801816940307},{"text":"Alright. Okay. So you're gonna send me information through your email and email me with information, your contact details? Yep. I'm sending you an email so you'll be able to respond. And then my phone number, our website, our address are all in my signature, so you'll be able to Okay. reach out to me anytime you need to. Alright. Okay. Yeah. Because I didn't get send this. Was it you or I didn't send the sign stuff signed through? I sent it through to you. Oh, yeah. So that's why it came through through the email. Cool. Alright. So you got the Yeah. right email. I have problems with my email. People send the wrong put the wrong number, like, the actual initials down. Oh, But really? that's good. Yeah. Like, I think it's an s is an f, and then I'm like, I didn't get the email. And they're like, well, what's your I said, yeah. So I all good. I guess I guess it is a bit weird because it's like, oh, not really. I just It's equally with weird. the with the PM yeah. With the Outlook account, I always have a bit of issues with the but that's our joint email. So it's easy to I can see what's going on and what's happening if we have a joint email. Because I he have can one say, too. oh, what yeah. So he's like, what do you got going on here? And I'm like, oh, well, this is from this. He goes, oh, okay. Because then he's got all the information as well. Yeah. If anything happens to me or whenever, he's got access to that email. The other one's just for, like, you know, after paying shit like that is the other shitty account that I still give you. You know, you're gonna get thousands of emails through, like, notifications. Yes.","start_word":7443,"end_word":7759,"sentiment":"neutral","sentiment_score":0.02006156004455575},{"text":"So all good.","start_word":7760,"end_word":7762,"sentiment":"positive","sentiment_score":0.3687784671783447},{"text":"No. I get it. I I have a joint one too. It's where all the bills go. Yeah. Hey. That's it. Alright. Okay. So you'll send that information through. I haven't got it yet, but I'll wait for it. And then I'll hear from you next Thursday. Hopefully, I'll I'll get on to Troy now to organize that packs because he gets a bit way late. He gets forgetful without doing it. So I'll get him to make sure that's done before the twenty third. Yeah. Absolutely. No. Perfect. You should have an email from me now. I pressed send a couple minutes ago. So yeah. It just Let me says just hi. check the spam. I'll just check oh, here we go. It's in the spam. See? Rejected. That's it. Yeah. I lately, you know, like, every time since I've sent it and then like I said, I'm thinking, oh, let me just go and put it in out of the spam box because it quite often does go in there. I love Cool. Alright. So that's come back in the other account. Cool. Now I've got it.","start_word":7763,"end_word":7951,"sentiment":"neutral","sentiment_score":0.02239894866943359},{"text":"Thank you so much for that.","start_word":7952,"end_word":7957,"sentiment":"positive","sentiment_score":0.574211597442627},{"text":"I just thought, yeah. no. No. Absolutely. Still come through. Check check out the website and and have a look. You can see that, like, all the staff that work here. You'll be able to see my photo and and have Yeah. a look at everything so that way you can make sure that you feel comfortable. Yeah. No. That's good. I like just it was just that switching second where you think, oh, you know, you hear that thing on the telly that way, but everyone being spammed. Oh my god. Am I being spammed? Like yeah. It's but it's all good. So no. Because I mean, he's got all sorts of details and that's pretty hard to get when you and he's gonna bring it up straight away so Yeah. No. it's Absolutely. And yes. And Thursday, all if Troy's around, happy good. to have a chat to him as well depending on what Yeah. he works. Yep. Well, if it's Thursday afternoon, I might even go down to his work and and because he's in a and he's got his own office in a big shed that he's on his own in. So I can probably go down on Thursday from work and just go straight there and have the conversation Yep. there. Yeah. And he can ask questions if need be then. Yeah. So that Absolutely. will work. Yeah. It'd be easier if I go to him and him come home Yeah. I get for it. that. But yeah. He can stop and say if he's not traveling out and about, but I'll see if he can stay try and get all his runs out in the morning early so he can be there in the afternoon. Bye. All good.","start_word":7958,"end_word":8251,"sentiment":"neutral","sentiment_score":0.08961840354058208},{"text":"Alright. Thanks so much, Perfect. Nerissa. I really appreciate that.","start_word":8252,"end_word":8261,"sentiment":"positive","sentiment_score":0.5000174641609192},{"text":"No. Absolutely.","start_word":8262,"end_word":8263,"sentiment":"neutral","sentiment_score":0.17792841792106628},{"text":"Give It was me my pleasure. a It was bit of peace fun of thought. to put, yeah, it was fun to put together, and it gives us a good direction.","start_word":8264,"end_word":8294,"sentiment":"positive","sentiment_score":0.4180634319782257},{"text":"A lot of it's just information for consideration, but it Yeah. gives us a Yeah.","start_word":8295,"end_word":8309,"sentiment":"neutral","sentiment_score":0.23669488728046417},{"text":"good a good kind of solid basis to start working things out from there.","start_word":8310,"end_word":8323,"sentiment":"positive","sentiment_score":0.5421558618545532},{"text":"Yeah. And like I said, we're just sitting at the monks.","start_word":8324,"end_word":8334,"sentiment":"neutral","sentiment_score":0.11269990354776382},{"text":"We just don't know what to do.","start_word":8335,"end_word":8341,"sentiment":"negative","sentiment_score":-0.510743260383606},{"text":"And I sort of retry information and sort of what to do. So yeah. If we can even if we just offset that a little bit to get the capital gains, it may still fit in. It's gonna sit there if we're still paying a bit of the principal anyway. And Yeah. then use the house for the investment.","start_word":8342,"end_word":8400,"sentiment":"neutral","sentiment_score":0.1001715436577797},{"text":"So yeah. That works out. Not too bad.","start_word":8401,"end_word":8408,"sentiment":"positive","sentiment_score":0.3971469402313232},{"text":"Alright. Give me a bit of a a focus point now to sort of really think on where we wanna go and what we wanna do, which is good because before that, I sort of like, I don't know what to do. I don't know what to do. But I know.","start_word":8409,"end_word":8459,"sentiment":"neutral","sentiment_score":0.11511972546577454},{"text":"It it becomes so overwhelming it's low when responsibility. you have too many options.","start_word":8460,"end_word":8473,"sentiment":"negative","sentiment_score":-0.4933538436889648},{"text":"Yeah. It's you know, like, I don't wanna be out of sort of like I said to try. I wanna when we do retire, not scrape and save and and be a little bit relaxed. But be sensible, but still be comfortable enough and not have a mortgage because that's my biggest thing is that I want a mortgage when I retire. Yeah. You You know, wanna I wanna have an be you because wanna I want have an exit strategy, something that you're comfortable yeah. with. Exactly. Yeah. Just so we we we at the end of the day, we can't be mortgage free because, you know, most of the we can live on what we earn from our and taking smaller amounts from our super if we don't have a mortgage because that's the biggest killer, Yeah. You know? He's paying that. He can pay the rates and and electricity and water is minimal. But, yeah, just paying mortgage. I think that's just a big chunk of your pay. Yeah. So my aim 100 is to be percent. mortgage free when I retire Yeah. at the No. end Absolutely. of the day. Or at least offset Yeah. to the point where, like, if if you had kept the investment property, it's it's paying for a little bit of mortgage you might have left. Like, that you're total you're not putting any money in, and you're completely covered with income on that front.","start_word":8474,"end_word":8717,"sentiment":"neutral","sentiment_score":0.011190627612360586},{"text":"Definitely. Yeah. That's my end goal. That's my end goal.","start_word":8718,"end_word":8727,"sentiment":"positive","sentiment_score":0.4228962361812592},{"text":"It's just to be mortgage free when we retire. Yeah.","start_word":8728,"end_word":8737,"sentiment":"neutral","sentiment_score":0.3225547969341278},{"text":"Yeah. So all good. Alright. Thank you. And I will definitely speak to you on Thursday. I'll get on to Troy now about getting that account and organized and see exactly what capital gains we do have to pay and work out from there if we decide to just put it in our super and go in that direction.","start_word":8738,"end_word":8796,"sentiment":"positive","sentiment_score":0.4128585457801819},{"text":"So yep.","start_word":8797,"end_word":8798,"sentiment":"neutral","sentiment_score":0.22354409098625183},{"text":"Alright. Perfect. Thank you so much. I really appreciate you doing that hard work for me. Oh oh, it's good. It gives me a focal point now where to go and where to start thinking.","start_word":8799,"end_word":8833,"sentiment":"positive","sentiment_score":0.6866235733032227},{"text":"So this is just quit chewing my thumbs. Bye. No. My pleasure. What I'm Alright. here for.","start_word":8834,"end_word":8850,"sentiment":"neutral","sentiment_score":0.11335565894842148},{"text":"Thanks.","start_word":8851,"end_word":8851,"sentiment":"positive","sentiment_score":0.45740166306495667},{"text":"Okay.","start_word":8852,"end_word":8852,"sentiment":"neutral","sentiment_score":0.2724907398223877},{"text":"Thanks, Marissa. I'll speak to you soon. Will do. Thanks, Michelle.","start_word":8853,"end_word":8863,"sentiment":"positive","sentiment_score":0.4483935832977295},{"text":"Okay. Bye. Alright. Bye.","start_word":8864,"end_word":8867,"sentiment":"neutral","sentiment_score":0.21343576908111572}],"average":{"sentiment":"neutral","sentiment_score":0.07077331118662847}}}}