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I essentially, yes. But also, like, it would be nice to know that you know what I'm talking about, but yes. That's good. You've started reading it. Yes. Pulled in 13 thousand directions. Mhmm. Cool. Perfect. Well, before I jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security, full name, date of birth, address, we can run through it. Oh, fantastic. Cool. So it's it's, like, really nice easy scope of advice is basically limited to the underlying investments, changing those up. I updated all the figures from the last document I did up, and then it's salary sacrifice contributions, looking at making $75 per week into the fund, and how that and how that triggers the tax implications for you, where what that's gonna mean in terms of what your taxable income turns into, what that means in terms of your contributions as well, and how that's gonna kinda play off. So there's what I would say is a beautiful table on page 14 that kind of outlines that, but it's basically salary is a 100 and So yep. That one. So it's, like, salary $10.05 current, no salary sacrifice proposed. By the time we're 75 each week, that's the the 3,900. Taxable income's gonna drop, obviously, by that 3,900, which means that your tax on your taxable income drops from the $42 to the $22.08, which means that your net income is dropping from basically $80 to $78 per annum, which means that your contributions are gonna be instead of the $12.60 flat that your employer currently pays, you have the additional salary sacrifice contributions there, which then flows on. So it means that we're gonna end up with more in our super fund. It means that we're going to end up with a little bit less tax paid on that side, and it balances out really nicely, actually. Mhmm. Yep. Yeah. Yes. Isn't it nice? It is always I know. You're right. Oh, yeah. Correct. Yeah. Yeah. It's just because of the because of the nice little tax savings because you're no longer paying your marginal tax rate, which is the 37% tax. You're paying yeah. And then the investment's down on page 30 is it page 17? Sorry. I just updated those with the the the new figures where we're sitting. Same recommendations as last time, just updated it based on, you know, current current position and where we're going from there. So all in all, same as what we discussed, just obviously incorporating the salary sacrifice positioning in and how that's gonna kind of play off in the long term. Because we're salary sacrificing, we're gonna obviously have a much better compound over the next ten years to the degree of nearly $200. Well, it's so, like, put put a $100 in and it earns $5, you know, worth of interest over a month. The next month is a $105. And then, you know, you earn 5% interest on that, which is no longer $5. It's gonna be, say, a 100 it's gonna be $5.05, which turns you a $105 into a hundred and ten dollars and 5¢. And then that compounds at 5% and so on and so forth. Well, yeah. So all I need you to do, realistically, is sign the documents if you're happy to go ahead. And what that means is that my team will, a, get the investment swapped over, and then, b, send you a letter to for you to give your boss or payroll, and they can trigger that Salsak arrangement for you through their payroll system. I'll make it nice and easy, as simple as possible, generally. Always work shenanigans. So there's a multiline bit. So on the SOA, if you're already up there. Sorry. There's where just above the signature, there's that, like, box. Just put a put a dot or an x or something in it. It's if you don't wanna proceed with all of the advice, you could choose to, like, disregard. So if you turn around, wait, Larissa, thanks so much for doing it up, but I actually don't want to do the salary sacrifice because I've decided to do something else, then you could say you could basically reject that piece of advice. So it's just an option for you to basically word in your own words what you wanna do, but otherwise, just put a dot in it, and it'll let you move on. Hello? I have actually had a client. Yeah. I'm sure I will. Nice. Yeah. That's perfect. I can't wait to say it. And then Yes. Other areas of invest. Other investments. Yep. Mhmm. Yeah. Absolutely. Yes. Yes. So it's when it comes to property advice, it it becomes a blend between financial advice and, like, and the mortgage broker. Brokers obviously set up all the accounts, and they choose the provider that you wanna go with. So, you know, whether it's Bank of Queensland or CommBank or NAB or whatever based on the loan rates and you as an individual and what that's gonna look like. And then, yeah, like, I can advise on how to lifestyle that. But the mortgage broker can also kind of meld into that. I've had a couple of clients who have done really complex fun plans for where, like, the mortgage broker and I have come together and, like, written the whole thing. It just depends on how nitty gritty you wanna get to and what you wanna do. But, essentially, what your mate is saying is correct because an offset account so so you know how comp I just explained compounding. Interest kind of works a little bit the same. Right. You good? Well, organized workplace. Anyway I don't know. Oh, yeah. It's logistics of it all. No. I I I get it. When you're beholden to, you know, other people arriving on time and wherever else and not having boys stand around, so it's like I I get it. Okay. Okay. So your mate's not wrong in what they're saying. So like compounding a a debt like a mortgage, while they charge interest monthly so you know how when when you have a when you have a mortgage on a mortgage statement each month, you will basically make your payment, and the interest amount will be charged to the account. So your payment may be, like, say, a thousand dollars for the month, and the interest calculated might be, say, three 100 three $100. Correct. But the but the interest is actually calculated daily. So each day, the more money you have in your offset each day benefits your mortgage because the offset basically says, well, I have this amount of money against my mortgage. So instead of my mortgage being, say, $500,000, it might be $499,000 because I have a thousand dollars in my offset. And then tomorrow, I might spend $200 on a new pair of shoes. So my mortgage tomorrow will be calculated off, say, 200 dollars less. Charged monthly. Yeah. Yeah. Monthly. So it's so what your mate's basically saying is if you can have a credit card where and you have to be strict with it, and this is why it doesn't work for all people because you have to be you you are you are you are beholden to your own strategy in this, is that you live on your credit card and you have to make sure that you sit down and you reconcile that credit card and pay everything off before you get charged interest on the credit card. Because the credit card interest is generally gonna be somewhere in the 20% vicinity. So if you I guess, for lack of lack of a better phrase, if you screw yourself over and you don't sit down and reconcile it, you're gonna get hit with 20% interest when all you did was save yourself 6% interest over here. Now granted, 6% interest on a million dollar loan is is a fair whack versus, you know, you got a couple grand sitting on a credit card at 20%. It it you know, the 6% that you saved every like, it's not much, but you're not gonna have a thousand or you're gonna have you're not gonna have a million dollars sitting in an offset account. You're gonna a month's worth of wages sitting in an offset account. So you have, you know, a few thousand dollars sitting in offset account. So you are going to you were gonna hit yourself hard if you don't do it right. So it's just about being really strict and making sure that you basically sit down in life admin properly. And, generally, I recommend my clients sit down and they have a day that they sit down every single week and they reconcile their their credit card every single week. And what you do is you don't live outside your means. So while your credit card might be, say, a $10 credit card, if you only get paid thousand dollars a week I'm sticking with round figures. Yep. Correct. You don't live outside your means. Because otherwise, all you're doing is racking up debt over there, and you're not doing what you need to do. So it is about being very strict. Generally, if we get a credit card, it's something that I would only recommend you get, like, a $22.5 credit card that basically sits within your income realm. So that way, you can never really spend more than you've earned anyway. But, theoretically, you could because you could wipe out your income and then still rack up $2.5 on the credit card. And I have had people do that. So it it does it does does definitely does work. The math behind is a little bit convoluted without knowing what the mortgage is and everything else, but it definitely it definitely does work on on the fact that, you know, over the life of the loan, the more you're putting in the in the offset account and how you are actually running it does actually help you to decrease everything. But it's just about being really strict with reconciling and paying off the credit card before the month. And that's the biggest thing. It has to happen before the month's end. So it's just dependent on you have to know the product. You have to really know your your credit card product before you can kind of go that way. And those that product like, the credit card and the mortgage account is something that I would bring a broker in to actually help us with. And then sitting down and actually getting a game plan is what you and I would do. We would sit down, get a game plan, and go, cool. Now that we've done this, how are we actually gonna make sure that we hit this target? How we make sure that we do this? What are you gonna do within your life to do these things? And I kind of life coach a little bit, I guess. So many hats. Yep. No. That's yeah. You can talk to me. You can talk to any of my any any of my advisers as soon as you're Oh, thanks. Yeah. Yeah. So yeah. Yeah. We would just we would just schedule an appointment. You would just call up and say, hey. I'm ready to go. One of the things I can do, if you wanna kind of have a bit of a foresight, and it's something I generally recommend, but it does take some input from you, is I can preconnect you with my broker. And what my broker can do is kind of just get you mentally in the position of if you wanna purchase a house that is blah dollar figure, you need to have blah saved. And what does that look like for you? Cool. Alright. Are you happy for me to send your details to them? So what I'll do is I'll basically send them, like, a summary of where you stand right now and your contact details. They can reach out to you and go from there. I will let them know that after twelve before two is best. Yep. Yep. Yep. Yeah. This is why I always call twice because sometimes you miss the first call and, again, it's important they'll ring again. Absolutely. Absolutely. All the time. Oh, no. Too many times. I have done it too many times. I am right there with you. Yep. Yep. Yep. No. Cool. Well, what I'll do is I'll see for you in the in on the email so that way you're connected with the broker anyway, And they can kind of you can preconnect and they'll email you anyway. So that way, if they don't connect, the email's there and all that kind of stuff. Okay. Perfection. Alright. Well, I'll get that all sent off and go from there. And let me have a look and actually make sure. Did you do the same? Oh, you signed it. Oh, fantastic. Perfect. Oh, yeah. Put a dot or an exit, Larissa said. Yeah. Fair enough. Cool. Well, I will let you go so that way you can clock off, go home, and probably grab a nap before you have to get up at 2AM to be at work. I'll do it. Yeah. I'll try. No. I will. No. Gold Coast. Gold Coast. Southport. Oh, she's a stone throwaway. Yeah. Absolutely. I'm I'm a little bit north, so I'm quite, like, up to towards Brisbane. Not not Brisbane, but still yeah. Still the coast, but not not not central. It's up to you. We can keep it three to six months if you want. So I can I can at the moment, you have yearly as a preference? So he can we can tape it? Yeah. Six months, and I'll touch base with you again, and we can swing in from there. Amazing. Alright. Well, I will get my team to touch base with you in that in that time frame. Otherwise, I'll be involved with the broker side of things anyway, so I'll get updates on that front. I'll be able to slap you over the back of the wrist if you don't end up reaching out and doing the things. Right? Perfect. Well, you go get a naps, get some food, do your things, and enjoy the rest of your day, night thing. Yep. I'll talk talk to you later, Sam. 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Sam. Larissa, Oaktree Financial. How are you going? That's good. Yep.\n\nYeah. Hi. There's a thing happening. Yeah. Yep.\n\nFrom from couple weeks ago. Yep. We're both all over it. I essentially, yes. But also, like, it would be nice to know that you know what I'm talking about, but yes.\n\nThat's good. You've started reading it. Yes. Pulled in 13 thousand directions. Mhmm.\n\nCool. Perfect. Well, before I jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security, full name, date of birth, address, we can run through it. Oh, fantastic.\n\nCool. So it's it's, like, really nice easy scope of advice is basically limited to the underlying investments, changing those up. I updated all the figures from the last document I did up, and then it's salary sacrifice contributions, looking at making $75 per week into the fund, and how that and how that triggers the tax implications for you, where what that's gonna mean in terms of what your taxable income turns into, what that means in terms of your contributions as well, and how that's gonna kinda play off. So there's what I would say is a beautiful table on page 14 that kind of outlines that, but it's basically salary is a 100 and So yep. That one.\n\nSo it's, like, salary $10.05 current, no salary sacrifice proposed. By the time we're 75 each week, that's the the 3,900. Taxable income's gonna drop, obviously, by that 3,900, which means that your tax on your taxable income drops from the $42 to the $22.08, which means that your net income is dropping from basically $80 to $78 per annum, which means that your contributions are gonna be instead of the $12.60 flat that your employer currently pays, you have the additional salary sacrifice contributions there, which then flows on. So it means that we're gonna end up with more in our super fund. It means that we're going to end up with a little bit less tax paid on that side, and it balances out really nicely, actually.\n\nMhmm. Yep. Yeah. Yes. Isn't it nice?\n\nIt is always I know. You're right. Oh, yeah. Correct. Yeah.\n\nYeah. It's just because of the because of the nice little tax savings because you're no longer paying your marginal tax rate, which is the 37% tax. You're paying yeah. And then the investment's down on page 30 is it page 17? Sorry.\n\nI just updated those with the the the new figures where we're sitting. Same recommendations as last time, just updated it based on, you know, current current position and where we're going from there. So all in all, same as what we discussed, just obviously incorporating the salary sacrifice positioning in and how that's gonna kind of play off in the long term. Because we're salary sacrificing, we're gonna obviously have a much better compound over the next ten years to the degree of nearly $200. Well, it's so, like, put put a $100 in and it earns $5, you know, worth of interest over a month.\n\nThe next month is a $105. And then, you know, you earn 5% interest on that, which is no longer $5. It's gonna be, say, a 100 it's gonna be $5.05, which turns you a $105 into a hundred and ten dollars and 5¢. And then that compounds at 5% and so on and so forth. Well, yeah.\n\nSo all I need you to do, realistically, is sign the documents if you're happy to go ahead. And what that means is that my team will, a, get the investment swapped over, and then, b, send you a letter to for you to give your boss or payroll, and they can trigger that Salsak arrangement for you through their payroll system. I'll make it nice and easy, as simple as possible, generally. Always work shenanigans. So there's a multiline bit.\n\nSo on the SOA, if you're already up there. Sorry. There's where just above the signature, there's that, like, box. Just put a put a dot or an x or something in it. It's if you don't wanna proceed with all of the advice, you could choose to, like, disregard.\n\nSo if you turn around, wait, Larissa, thanks so much for doing it up, but I actually don't want to do the salary sacrifice because I've decided to do something else, then you could say you could basically reject that piece of advice. So it's just an option for you to basically word in your own words what you wanna do, but otherwise, just put a dot in it, and it'll let you move on. Hello? I have actually had a client. Yeah.\n\nI'm sure I will. Nice. Yeah. That's perfect. I can't wait to say it.\n\nAnd then Yes. Other areas of invest. Other investments. Yep. Mhmm.\n\nYeah. Absolutely. Yes. Yes. So it's when it comes to property advice, it it becomes a blend between financial advice and, like, and the mortgage broker.\n\nBrokers obviously set up all the accounts, and they choose the provider that you wanna go with. So, you know, whether it's Bank of Queensland or CommBank or NAB or whatever based on the loan rates and you as an individual and what that's gonna look like. And then, yeah, like, I can advise on how to lifestyle that. But the mortgage broker can also kind of meld into that. I've had a couple of clients who have done really complex fun plans for where, like, the mortgage broker and I have come together and, like, written the whole thing.\n\nIt just depends on how nitty gritty you wanna get to and what you wanna do. But, essentially, what your mate is saying is correct because an offset account so so you know how comp I just explained compounding. Interest kind of works a little bit the same. Right. You good?\n\nWell, organized workplace. Anyway I don't know. Oh, yeah. It's logistics of it all. No.\n\nI I I get it. When you're beholden to, you know, other people arriving on time and wherever else and not having boys stand around, so it's like I I get it. Okay. Okay. So your mate's not wrong in what they're saying.\n\nSo like compounding a a debt like a mortgage, while they charge interest monthly so you know how when when you have a when you have a mortgage on a mortgage statement each month, you will basically make your payment, and the interest amount will be charged to the account. So your payment may be, like, say, a thousand dollars for the month, and the interest calculated might be, say, three 100 three $100. Correct. But the but the interest is actually calculated daily. So each day, the more money you have in your offset each day benefits your mortgage because the offset basically says, well, I have this amount of money against my mortgage.\n\nSo instead of my mortgage being, say, $500,000, it might be $499,000 because I have a thousand dollars in my offset. And then tomorrow, I might spend $200 on a new pair of shoes. So my mortgage tomorrow will be calculated off, say, 200 dollars less. Charged monthly. Yeah.\n\nYeah. Monthly. So it's so what your mate's basically saying is if you can have a credit card where and you have to be strict with it, and this is why it doesn't work for all people because you have to be you you are you are you are beholden to your own strategy in this, is that you live on your credit card and you have to make sure that you sit down and you reconcile that credit card and pay everything off before you get charged interest on the credit card. Because the credit card interest is generally gonna be somewhere in the 20% vicinity. So if you I guess, for lack of lack of a better phrase, if you screw yourself over and you don't sit down and reconcile it, you're gonna get hit with 20% interest when all you did was save yourself 6% interest over here.\n\nNow granted, 6% interest on a million dollar loan is is a fair whack versus, you know, you got a couple grand sitting on a credit card at 20%. It it you know, the 6% that you saved every like, it's not much, but you're not gonna have a thousand or you're gonna have you're not gonna have a million dollars sitting in an offset account. You're gonna a month's worth of wages sitting in an offset account. So you have, you know, a few thousand dollars sitting in offset account. So you are going to you were gonna hit yourself hard if you don't do it right.\n\nSo it's just about being really strict and making sure that you basically sit down in life admin properly. And, generally, I recommend my clients sit down and they have a day that they sit down every single week and they reconcile their their credit card every single week. And what you do is you don't live outside your means. So while your credit card might be, say, a $10 credit card, if you only get paid thousand dollars a week I'm sticking with round figures. Yep.\n\nCorrect. You don't live outside your means. Because otherwise, all you're doing is racking up debt over there, and you're not doing what you need to do. So it is about being very strict. Generally, if we get a credit card, it's something that I would only recommend you get, like, a $22.5 credit card that basically sits within your income realm.\n\nSo that way, you can never really spend more than you've earned anyway. But, theoretically, you could because you could wipe out your income and then still rack up $2.5 on the credit card. And I have had people do that. So it it does it does does definitely does work. The math behind is a little bit convoluted without knowing what the mortgage is and everything else, but it definitely it definitely does work on on the fact that, you know, over the life of the loan, the more you're putting in the in the offset account and how you are actually running it does actually help you to decrease everything.\n\nBut it's just about being really strict with reconciling and paying off the credit card before the month. And that's the biggest thing. It has to happen before the month's end. So it's just dependent on you have to know the product. You have to really know your your credit card product before you can kind of go that way.\n\nAnd those that product like, the credit card and the mortgage account is something that I would bring a broker in to actually help us with. And then sitting down and actually getting a game plan is what you and I would do. We would sit down, get a game plan, and go, cool. Now that we've done this, how are we actually gonna make sure that we hit this target? How we make sure that we do this?\n\nWhat are you gonna do within your life to do these things? And I kind of life coach a little bit, I guess. So many hats. Yep. No.\n\nThat's yeah. You can talk to me. You can talk to any of my any any of my advisers as soon as you're Oh, thanks. Yeah. Yeah.\n\nSo yeah. Yeah. We would just we would just schedule an appointment. You would just call up and say, hey. I'm ready to go.\n\nOne of the things I can do, if you wanna kind of have a bit of a foresight, and it's something I generally recommend, but it does take some input from you, is I can preconnect you with my broker. And what my broker can do is kind of just get you mentally in the position of if you wanna purchase a house that is blah dollar figure, you need to have blah saved. And what does that look like for you? Cool. Alright.\n\nAre you happy for me to send your details to them? So what I'll do is I'll basically send them, like, a summary of where you stand right now and your contact details. They can reach out to you and go from there. I will let them know that after twelve before two is best. Yep.\n\nYep. Yep. Yeah. This is why I always call twice because sometimes you miss the first call and, again, it's important they'll ring again. Absolutely.\n\nAbsolutely. All the time. Oh, no. Too many times. I have done it too many times.\n\nI am right there with you. Yep. Yep. Yep. No.\n\nCool. Well, what I'll do is I'll see for you in the in on the email so that way you're connected with the broker anyway, And they can kind of you can preconnect and they'll email you anyway. So that way, if they don't connect, the email's there and all that kind of stuff. Okay. Perfection.\n\nAlright. Well, I'll get that all sent off and go from there. And let me have a look and actually make sure. Did you do the same? Oh, you signed it.\n\nOh, fantastic. Perfect. Oh, yeah. Put a dot or an exit, Larissa said. Yeah.\n\nFair enough. Cool. Well, I will let you go so that way you can clock off, go home, and probably grab a nap before you have to get up at 2AM to be at work. I'll do it. Yeah.\n\nI'll try. No. I will. No. Gold Coast.\n\nGold Coast. Southport. Oh, she's a stone throwaway. Yeah. Absolutely.\n\nI'm I'm a little bit north, so I'm quite, like, up to towards Brisbane. Not not Brisbane, but still yeah. Still the coast, but not not not central. It's up to you. We can keep it three to six months if you want.\n\nSo I can I can at the moment, you have yearly as a preference? So he can we can tape it? Yeah. Six months, and I'll touch base with you again, and we can swing in from there. Amazing.\n\nAlright. Well, I will get my team to touch base with you in that in that time frame. Otherwise, I'll be involved with the broker side of things anyway, so I'll get updates on that front. I'll be able to slap you over the back of the wrist if you don't end up reaching out and doing the things. Right?\n\nPerfect. Well, you go get a naps, get some food, do your things, and enjoy the rest of your day, night thing. Yep. I'll talk talk to you later, Sam. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sam.","start":2.8,"end":3.76,"sentiment":"neutral","sentiment_score":0.21991492062807083},{"text":"Larissa, Oaktree Financial.","start":3.76,"end":5.04,"sentiment":"neutral","sentiment_score":0.20282646516958872},{"text":"How are you going?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.28813130408525467},{"text":"That's good.","start":8.24,"end":9.139999,"sentiment":"positive","sentiment_score":0.4842115342617035},{"text":"Yep.","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":-0.0848318338394165}],"sentiment":"neutral","sentiment_score":0.2570354739824931,"num_words":12,"start":2.8,"end":12.42},{"sentences":[{"text":"Yeah.","start":18.705,"end":19.025,"sentiment":"neutral","sentiment_score":-0.018919330090284348},{"text":"Hi.","start":19.025,"end":19.185,"sentiment":"neutral","sentiment_score":-0.0037139402702450752},{"text":"There's a thing happening.","start":19.185,"end":20.325,"sentiment":"neutral","sentiment_score":-0.018578511895611882},{"text":"Yeah.","start":28.86,"end":29.36,"sentiment":"neutral","sentiment_score":0.015657108277082443},{"text":"Yep.","start":30.060001,"end":30.54,"sentiment":"neutral","sentiment_score":0.019954349845647812}],"sentiment":"neutral","sentiment_score":-0.007666982477530837,"num_words":8,"start":18.705,"end":30.54},{"sentences":[{"text":"From from couple weeks ago.","start":30.54,"end":32.3,"sentiment":"neutral","sentiment_score":0.006923091411590576},{"text":"Yep.","start":32.3,"end":32.8,"sentiment":"neutral","sentiment_score":0.032760895788669586},{"text":"We're both all over it.","start":37.1,"end":38.4,"sentiment":"neutral","sentiment_score":0.07845362424850463},{"text":"I essentially, yes.","start":43.135002,"end":44.895,"sentiment":"neutral","sentiment_score":0.020396592716375988},{"text":"But also, like, it would be nice to know that you know what I'm talking about, but yes.","start":44.895,"end":48.915,"sentiment":"neutral","sentiment_score":-0.04471327571405305}],"sentiment":"neutral","sentiment_score":-0.008875147206708789,"num_words":32,"start":30.54,"end":48.915},{"sentences":[{"text":"That's good.","start":58.989998,"end":59.39,"sentiment":"neutral","sentiment_score":0.19513101130723953},{"text":"You've started reading it.","start":59.39,"end":60.77,"sentiment":"neutral","sentiment_score":-0.031199393793940544},{"text":"Yes.","start":67.15,"end":67.65,"sentiment":"neutral","sentiment_score":0.002188941463828087},{"text":"Pulled in 13 thousand directions.","start":68.145004,"end":70.245,"sentiment":"neutral","sentiment_score":0.020821044221520424},{"text":"Mhmm.","start":72.225,"end":72.725,"sentiment":"neutral","sentiment_score":0.01016024500131607}],"sentiment":"neutral","sentiment_score":0.029378373462420244,"num_words":13,"start":58.989998,"end":72.725},{"sentences":[{"text":"Cool.","start":77.985,"end":78.485,"sentiment":"neutral","sentiment_score":0.10333006083965302},{"text":"Perfect.","start":80.82,"end":81.060005,"sentiment":"positive","sentiment_score":0.4754745960235596},{"text":"Well, before I jump into it, I do need to let you know our calls are recorded.","start":81.060005,"end":83.700005,"sentiment":"neutral","sentiment_score":0.04800349539693664},{"text":"And if I could get you confirmed security, full name, date of birth, address, we can run through it.","start":83.700005,"end":87.8,"sentiment":"neutral","sentiment_score":0.06732875187146037},{"text":"Oh, fantastic.","start":94.020004,"end":94.68,"sentiment":"positive","sentiment_score":0.4703957140445709}],"sentiment":"neutral","sentiment_score":0.0903725448064506,"num_words":40,"start":77.985,"end":94.68},{"sentences":[{"text":"Cool.","start":97.475,"end":97.954994,"sentiment":"positive","sentiment_score":0.43618106842041016},{"text":"So it's it's, like, really nice easy scope of advice is basically limited to the underlying investments, changing those up.","start":97.954994,"end":112.15,"sentiment":"neutral","sentiment_score":0.18687033485621213},{"text":"I updated all the figures from the last document I did up, and then it's salary sacrifice contributions, looking at making $75 per week into the fund, and how that and how that triggers the tax implications for you, where what that's gonna mean in terms of what your taxable income turns into, what that means in terms of your contributions as well, and how that's gonna kinda play off.","start":112.15,"end":141.62001,"sentiment":"neutral","sentiment_score":-0.09493193312415055},{"text":"So there's what I would say is a beautiful table on page 14 that kind of outlines that, but it's basically salary is a 100 and So yep.","start":141.62001,"end":164.29,"sentiment":"neutral","sentiment_score":0.24830950676862681},{"text":"That one.","start":164.29,"end":165.03,"sentiment":"neutral","sentiment_score":0.03085971623659134}],"sentiment":"neutral","sentiment_score":0.03754328982519709,"num_words":121,"start":97.475,"end":165.03},{"sentences":[{"text":"So it's, like, salary $10.05 current, no salary sacrifice proposed.","start":190.98001,"end":196.20001,"sentiment":"neutral","sentiment_score":0.05212766416370869},{"text":"By the time we're 75 each week, that's the the 3,900.","start":196.5,"end":201.0,"sentiment":"neutral","sentiment_score":0.04907004670663313},{"text":"Taxable income's gonna drop, obviously, by that 3,900, which means that your tax on your taxable income drops from the $42 to the $22.08, which means that your net income is dropping from basically $80 to $78 per annum, which means that your contributions are gonna be instead of the $12.60 flat that your employer currently pays, you have the additional salary sacrifice contributions there, which then flows on.","start":201.14,"end":231.18001,"sentiment":"neutral","sentiment_score":0.025117926353561706},{"text":"So it means that we're gonna end up with more in our super fund.","start":231.32,"end":234.015,"sentiment":"positive","sentiment_score":0.5543848297425679},{"text":"It means that we're going to end up with a little bit less tax paid on that side, and it balances out really nicely, actually.","start":234.895,"end":244.83499,"sentiment":"positive","sentiment_score":0.6046614849567413}],"sentiment":"neutral","sentiment_score":0.19900859545829686,"num_words":129,"start":190.98001,"end":244.83499},{"sentences":[{"text":"Mhmm.","start":249.46999,"end":249.96999,"sentiment":"neutral","sentiment_score":0.018687359988689423},{"text":"Yep.","start":250.43,"end":250.93,"sentiment":"neutral","sentiment_score":0.05436205118894577},{"text":"Yeah.","start":251.15,"end":251.65,"sentiment":"neutral","sentiment_score":0.04468641057610512},{"text":"Yes.","start":259.47,"end":259.97,"sentiment":"neutral","sentiment_score":0.015623789280653},{"text":"Isn't it nice?","start":260.99,"end":261.97,"sentiment":"neutral","sentiment_score":-0.2847554037968318}],"sentiment":"neutral","sentiment_score":-0.10298665719372886,"num_words":7,"start":249.46999,"end":261.97},{"sentences":[{"text":"It is always I know.","start":262.99,"end":265.155,"sentiment":"neutral","sentiment_score":-0.03888957668095827},{"text":"You're right.","start":265.155,"end":265.735,"sentiment":"neutral","sentiment_score":0.0011898856610059738},{"text":"Oh, yeah.","start":269.475,"end":270.055,"sentiment":"neutral","sentiment_score":0.02313998620957136},{"text":"Correct.","start":270.355,"end":270.855,"sentiment":"neutral","sentiment_score":0.05167437717318535},{"text":"Yeah.","start":270.915,"end":271.415,"sentiment":"neutral","sentiment_score":0.07925648987293243}],"sentiment":"neutral","sentiment_score":-0.0013506611470471728,"num_words":11,"start":262.99,"end":271.415},{"sentences":[{"text":"Yeah.","start":271.635,"end":272.135,"sentiment":"positive","sentiment_score":0.354592502117157},{"text":"It's just because of the because of the nice little tax savings because you're no longer paying your marginal tax rate, which is the 37% tax.","start":272.195,"end":280.38998,"sentiment":"positive","sentiment_score":0.42864121955174667},{"text":"You're paying yeah.","start":280.44998,"end":287.34998,"sentiment":"neutral","sentiment_score":0.1574577142794927},{"text":"And then the investment's down on page 30 is it page 17?","start":287.81,"end":291.65,"sentiment":"neutral","sentiment_score":0.04063300074388584},{"text":"Sorry.","start":291.65,"end":292.095,"sentiment":"neutral","sentiment_score":-0.04299400374293327}],"sentiment":"neutral","sentiment_score":0.288749752522901,"num_words":43,"start":271.635,"end":292.095},{"sentences":[{"text":"I just updated those with the the the new figures where we're sitting.","start":293.295,"end":297.135,"sentiment":"neutral","sentiment_score":-0.0027025263899793993},{"text":"Same recommendations as last time, just updated it based on, you know, current current position and where we're going from there.","start":297.135,"end":305.535,"sentiment":"neutral","sentiment_score":0.015427157859362307},{"text":"So all in all, same as what we discussed, just obviously incorporating the salary sacrifice positioning in and how that's gonna kind of play off in the long term.","start":305.535,"end":315.62,"sentiment":"neutral","sentiment_score":-0.018475562719435526},{"text":"Because we're salary sacrificing, we're gonna obviously have a much better compound over the next ten years to the degree of nearly $200.","start":317.76,"end":326.785,"sentiment":"neutral","sentiment_score":-0.04799279100869013},{"text":"Well, it's so, like, put put a $100 in and it earns $5, you know, worth of interest over a month.","start":336.58,"end":344.03998,"sentiment":"neutral","sentiment_score":0.09578561463526317}],"sentiment":"neutral","sentiment_score":0.006174858572466351,"num_words":107,"start":293.295,"end":344.03998},{"sentences":[{"text":"The next month is a $105.","start":344.18,"end":346.28,"sentiment":"neutral","sentiment_score":0.025730447843670845},{"text":"And then, you know, you earn 5% interest on that, which is no longer $5.","start":346.58,"end":350.88596,"sentiment":"neutral","sentiment_score":0.044282464186350505},{"text":"It's gonna be, say, a 100 it's gonna be $5.05, which turns you a $105 into a hundred and ten dollars and 5¢.","start":350.88596,"end":359.0097,"sentiment":"neutral","sentiment_score":0.06289556351574985},{"text":"And then that compounds at 5% and so on and so forth.","start":359.0097,"end":362.31,"sentiment":"neutral","sentiment_score":-0.011289658723399043},{"text":"Well, yeah.","start":367.03,"end":368.01,"sentiment":"neutral","sentiment_score":-0.028962877579033375}],"sentiment":"neutral","sentiment_score":0.03524421732219165,"num_words":58,"start":344.18,"end":368.01},{"sentences":[{"text":"So all I need you to do, realistically, is sign the documents if you're happy to go ahead.","start":371.83,"end":377.32498,"sentiment":"neutral","sentiment_score":0.3026154223415587},{"text":"And what that means is that my team will, a, get the investment swapped over, and then, b, send you a letter to for you to give your boss or payroll, and they can trigger that Salsak arrangement for you through their payroll system.","start":377.38498,"end":395.43,"sentiment":"neutral","sentiment_score":0.31267101351510396},{"text":"I'll make it nice and easy, as simple as possible, generally.","start":398.69,"end":401.27,"sentiment":"positive","sentiment_score":0.6504000425338745},{"text":"Always work shenanigans.","start":409.755,"end":410.975,"sentiment":"neutral","sentiment_score":-0.20668989419937134},{"text":"So there's a multiline bit.","start":437.805,"end":439.245,"sentiment":"neutral","sentiment_score":-0.018507453426718713}],"sentiment":"neutral","sentiment_score":0.3166221693204141,"num_words":81,"start":371.83,"end":439.245},{"sentences":[{"text":"So on the SOA, if you're already up there.","start":439.245,"end":441.16498,"sentiment":"neutral","sentiment_score":-0.0029470015368941757},{"text":"Sorry.","start":441.16498,"end":441.66498,"sentiment":"neutral","sentiment_score":-0.06433035433292389},{"text":"There's where just above the signature, there's that, like, box.","start":441.72498,"end":445.13998,"sentiment":"neutral","sentiment_score":-0.021949916146695614},{"text":"Just put a put a dot or an x or something in it.","start":445.13998,"end":447.96,"sentiment":"neutral","sentiment_score":-0.03444010807344547},{"text":"It's if you don't wanna proceed with all of the advice, you could choose to, like, disregard.","start":448.41998,"end":455.06,"sentiment":"neutral","sentiment_score":-0.13021884025896296}],"sentiment":"neutral","sentiment_score":-0.059435884379781784,"num_words":50,"start":439.245,"end":455.06},{"sentences":[{"text":"So if you turn around, wait, Larissa, thanks so much for doing it up, but I actually don't want to do the salary sacrifice because I've decided to do something else, then you could say you could basically reject that piece of advice.","start":455.06,"end":465.285,"sentiment":"neutral","sentiment_score":-0.22105068037676256},{"text":"So it's just an option for you to basically word in your own words what you wanna do, but otherwise, just put a dot in it, and it'll let you move on.","start":465.985,"end":472.805,"sentiment":"neutral","sentiment_score":0.0469378679554211},{"text":"Hello?","start":476.94,"end":477.44,"sentiment":"neutral","sentiment_score":0.01706378534436226},{"text":"I have actually had a client.","start":479.1,"end":480.56,"sentiment":"neutral","sentiment_score":0.0287064453586936},{"text":"Yeah.","start":481.34,"end":481.84,"sentiment":"neutral","sentiment_score":0.08791323751211166}],"sentiment":"neutral","sentiment_score":-0.0930837564652853,"num_words":83,"start":455.06,"end":481.84},{"sentences":[{"text":"I'm sure I will.","start":484.06,"end":485.2,"sentiment":"neutral","sentiment_score":0.14332754537463188},{"text":"Nice.","start":489.885,"end":490.285,"sentiment":"neutral","sentiment_score":0.2524750828742981},{"text":"Yeah.","start":490.285,"end":490.52502,"sentiment":"neutral","sentiment_score":0.15295812487602234},{"text":"That's perfect.","start":490.52502,"end":491.265,"sentiment":"neutral","sentiment_score":0.16956253349781036},{"text":"I can't wait to say it.","start":495.40503,"end":496.625,"sentiment":"positive","sentiment_score":0.5979888538519541}],"sentiment":"positive","sentiment_score":0.35041439852544237,"num_words":14,"start":484.06,"end":496.625},{"sentences":[{"text":"And then Yes.","start":505.66,"end":507.6,"sentiment":"neutral","sentiment_score":0.06403560439745586},{"text":"Other areas of invest.","start":514.7,"end":515.805,"sentiment":"neutral","sentiment_score":0.036121669225394726},{"text":"Other investments.","start":515.96497,"end":516.785,"sentiment":"neutral","sentiment_score":0.024946395307779312},{"text":"Yep.","start":541.68,"end":542.18,"sentiment":"neutral","sentiment_score":0.011753318831324576},{"text":"Mhmm.","start":544.16504,"end":544.66504,"sentiment":"neutral","sentiment_score":-0.009025419130921364}],"sentiment":"neutral","sentiment_score":0.03538310730999166,"num_words":11,"start":505.66,"end":544.66504},{"sentences":[{"text":"Yeah.","start":549.685,"end":549.925,"sentiment":"neutral","sentiment_score":0.009285490959882736},{"text":"Absolutely.","start":549.925,"end":550.425,"sentiment":"neutral","sentiment_score":0.007952699437737465},{"text":"Yes.","start":553.125,"end":553.445,"sentiment":"neutral","sentiment_score":0.03783734887838363},{"text":"Yes.","start":553.445,"end":553.765,"sentiment":"neutral","sentiment_score":0.04975061863660813},{"text":"So it's when it comes to property advice, it it becomes a blend between financial advice and, like, and the mortgage broker.","start":553.765,"end":561.00995,"sentiment":"neutral","sentiment_score":0.049819504164836624}],"sentiment":"neutral","sentiment_score":0.0461867403668853,"num_words":26,"start":549.685,"end":561.00995},{"sentences":[{"text":"Brokers obviously set up all the accounts, and they choose the provider that you wanna go with.","start":561.31,"end":567.465,"sentiment":"neutral","sentiment_score":0.08989301017102073},{"text":"So, you know, whether it's Bank of Queensland or CommBank or NAB or whatever based on the loan rates and you as an individual and what that's gonna look like.","start":567.465,"end":577.16504,"sentiment":"neutral","sentiment_score":0.07605202371875446},{"text":"And then, yeah, like, I can advise on how to lifestyle that.","start":577.705,"end":583.53,"sentiment":"neutral","sentiment_score":0.07987981910506885},{"text":"But the mortgage broker can also kind of meld into that.","start":583.67,"end":586.97003,"sentiment":"neutral","sentiment_score":0.030593961815942417},{"text":"I've had a couple of clients who have done really complex fun plans for where, like, the mortgage broker and I have come together and, like, written the whole thing.","start":587.43,"end":594.89,"sentiment":"neutral","sentiment_score":0.07718798418839773}],"sentiment":"neutral","sentiment_score":0.07420472819358111,"num_words":100,"start":561.31,"end":594.89},{"sentences":[{"text":"It just depends on how nitty gritty you wanna get to and what you wanna do.","start":595.425,"end":598.385,"sentiment":"neutral","sentiment_score":0.05348263029009104},{"text":"But, essentially, what your mate is saying is correct because an offset account so so you know how comp I just explained compounding.","start":598.385,"end":608.645,"sentiment":"neutral","sentiment_score":0.03474413720971864},{"text":"Interest kind of works a little bit the same.","start":609.17,"end":613.30994,"sentiment":"neutral","sentiment_score":0.03667133073839876},{"text":"Right.","start":613.64996,"end":613.88995,"sentiment":"neutral","sentiment_score":0.20242124795913696},{"text":"You good?","start":613.88995,"end":614.55,"sentiment":"positive","sentiment_score":0.3793216496706009}],"sentiment":"neutral","sentiment_score":0.05776360322374339,"num_words":51,"start":595.425,"end":614.55},{"sentences":[{"text":"Well, organized workplace.","start":699.535,"end":700.835,"sentiment":"neutral","sentiment_score":0.011527799380322298},{"text":"Anyway I don't know.","start":700.895,"end":706.995,"sentiment":"neutral","sentiment_score":-0.06646221037954092},{"text":"Oh, yeah.","start":707.055,"end":710.995,"sentiment":"neutral","sentiment_score":-0.012131796218454838},{"text":"It's logistics of it all.","start":711.775,"end":713.055,"sentiment":"neutral","sentiment_score":0.021315859258174898},{"text":"No.","start":713.055,"end":713.215,"sentiment":"neutral","sentiment_score":-0.10919521749019624}],"sentiment":"neutral","sentiment_score":-0.017209663800895215,"num_words":15,"start":699.535,"end":713.215},{"sentences":[{"text":"I I I get it.","start":713.215,"end":714.015,"sentiment":"neutral","sentiment_score":-0.06920638754963875},{"text":"When you're beholden to, you know, other people arriving on time and wherever else and not having boys stand around, so it's like I I get it.","start":714.015,"end":722.03,"sentiment":"neutral","sentiment_score":-0.0753295039413152},{"text":"Okay.","start":723.85004,"end":724.35004,"sentiment":"neutral","sentiment_score":0.020964141935110092},{"text":"Okay.","start":727.13,"end":727.63,"sentiment":"neutral","sentiment_score":0.0601559653878212},{"text":"So your mate's not wrong in what they're saying.","start":728.33,"end":732.065,"sentiment":"neutral","sentiment_score":0.05276898460255729}],"sentiment":"neutral","sentiment_score":-0.04241599012599435,"num_words":43,"start":713.215,"end":732.065},{"sentences":[{"text":"So like compounding a a debt like a mortgage, while they charge interest monthly so you know how when when you have a when you have a mortgage on a mortgage statement each month, you will basically make your payment, and the interest amount will be charged to the account.","start":732.065,"end":753.19995,"sentiment":"neutral","sentiment_score":0.054503175169229506},{"text":"So your payment may be, like, say, a thousand dollars for the month, and the interest calculated might be, say, three 100 three $100.","start":753.19995,"end":760.84503,"sentiment":"neutral","sentiment_score":0.051825879607349634},{"text":"Correct.","start":768.10504,"end":768.42505,"sentiment":"neutral","sentiment_score":0.0671081468462944},{"text":"But the but the interest is actually calculated daily.","start":768.42505,"end":771.645,"sentiment":"neutral","sentiment_score":0.05172791797667742},{"text":"So each day, the more money you have in your offset each day benefits your mortgage because the offset basically says, well, I have this amount of money against my mortgage.","start":772.4,"end":785.04004,"sentiment":"neutral","sentiment_score":0.12771390330406926}],"sentiment":"neutral","sentiment_score":0.07357191547913396,"num_words":115,"start":732.065,"end":785.04004},{"sentences":[{"text":"So instead of my mortgage being, say, $500,000, it might be $499,000 because I have a thousand dollars in my offset.","start":785.04004,"end":794.39496,"sentiment":"neutral","sentiment_score":0.09770217768493153},{"text":"And then tomorrow, I might spend $200 on a new pair of shoes.","start":794.535,"end":798.63495,"sentiment":"neutral","sentiment_score":0.10263182050906695},{"text":"So my mortgage tomorrow will be calculated off, say, 200 dollars less.","start":798.77496,"end":805.04004,"sentiment":"neutral","sentiment_score":0.09053877632444103},{"text":"Charged monthly.","start":807.5,"end":808.80005,"sentiment":"neutral","sentiment_score":-0.011702669318765402},{"text":"Yeah.","start":809.34,"end":809.84,"sentiment":"neutral","sentiment_score":0.011001798324286938}],"sentiment":"neutral","sentiment_score":0.09102084027717308,"num_words":49,"start":785.04004,"end":809.84},{"sentences":[{"text":"Yeah.","start":810.14,"end":810.38,"sentiment":"neutral","sentiment_score":0.033630646765232086},{"text":"Monthly.","start":810.38,"end":810.88,"sentiment":"neutral","sentiment_score":0.05424337834119797},{"text":"So it's so what your mate's basically saying is if you can have a credit card where and you have to be strict with it, and this is why it doesn't work for all people because you have to be you you are you are you are beholden to your own strategy in this, is that you live on your credit card and you have to make sure that you sit down and you reconcile that credit card and pay everything off before you get charged interest on the credit card.","start":811.26,"end":835.91,"sentiment":"neutral","sentiment_score":-0.043699110397598245},{"text":"Because the credit card interest is generally gonna be somewhere in the 20% vicinity.","start":835.91,"end":839.85,"sentiment":"neutral","sentiment_score":-0.118991455329316},{"text":"So if you I guess, for lack of lack of a better phrase, if you screw yourself over and you don't sit down and reconcile it, you're gonna get hit with 20% interest when all you did was save yourself 6% interest over here.","start":841.43,"end":852.565,"sentiment":"negative","sentiment_score":-0.4425845120991157}],"sentiment":"neutral","sentiment_score":-0.1657506220400432,"num_words":151,"start":810.14,"end":852.565},{"sentences":[{"text":"Now granted, 6% interest on a million dollar loan is is a fair whack versus, you know, you got a couple grand sitting on a credit card at 20%.","start":852.565,"end":862.03,"sentiment":"neutral","sentiment_score":-0.06890534905010257},{"text":"It it you know, the 6% that you saved every like, it's not much, but you're not gonna have a thousand or you're gonna have you're not gonna have a million dollars sitting in an offset account.","start":862.03,"end":869.79004,"sentiment":"neutral","sentiment_score":-0.148255690479198},{"text":"You're gonna a month's worth of wages sitting in an offset account.","start":869.79004,"end":873.325,"sentiment":"neutral","sentiment_score":-0.11634020693600178},{"text":"So you have, you know, a few thousand dollars sitting in offset account.","start":873.325,"end":875.965,"sentiment":"neutral","sentiment_score":-0.14457371888252404},{"text":"So you are going to you were gonna hit yourself hard if you don't do it right.","start":875.965,"end":881.48505,"sentiment":"negative","sentiment_score":-0.453065128010862}],"sentiment":"neutral","sentiment_score":-0.17093855254697027,"num_words":108,"start":852.565,"end":881.48505},{"sentences":[{"text":"So it's just about being really strict and making sure that you basically sit down in life admin properly.","start":881.48505,"end":886.73,"sentiment":"neutral","sentiment_score":-0.1453943448631387},{"text":"And, generally, I recommend my clients sit down and they have a day that they sit down every single week and they reconcile their their credit card every single week.","start":887.35,"end":897.35,"sentiment":"neutral","sentiment_score":0.15056533540288608},{"text":"And what you do is you don't live outside your means.","start":897.35,"end":899.51,"sentiment":"neutral","sentiment_score":-0.1242963895201683},{"text":"So while your credit card might be, say, a $10 credit card, if you only get paid thousand dollars a week I'm sticking with round figures.","start":899.51,"end":907.695,"sentiment":"neutral","sentiment_score":-0.06659223755391744},{"text":"Yep.","start":908.315,"end":908.815,"sentiment":"neutral","sentiment_score":-0.0316799022257328}],"sentiment":"neutral","sentiment_score":-0.015814607513361965,"num_words":87,"start":881.48505,"end":908.815},{"sentences":[{"text":"Correct.","start":909.275,"end":909.59503,"sentiment":"neutral","sentiment_score":-0.05770938843488693},{"text":"You don't live outside your means.","start":909.59503,"end":910.875,"sentiment":"neutral","sentiment_score":-0.22486827770868936},{"text":"Because otherwise, all you're doing is racking up debt over there, and you're not doing what you need to do.","start":910.875,"end":915.03,"sentiment":"negative","sentiment_score":-0.4045319803059101},{"text":"So it is about being very strict.","start":915.27,"end":917.19,"sentiment":"neutral","sentiment_score":-0.11512221076658793},{"text":"Generally, if we get a credit card, it's something that I would only recommend you get, like, a $22.5 credit card that basically sits within your income realm.","start":917.19,"end":926.33,"sentiment":"neutral","sentiment_score":0.10037382465920278}],"sentiment":"neutral","sentiment_score":-0.12085398460828489,"num_words":62,"start":909.275,"end":926.33},{"sentences":[{"text":"So that way, you can never really spend more than you've earned anyway.","start":926.39,"end":929.61005,"sentiment":"neutral","sentiment_score":0.0976536271090691},{"text":"But, theoretically, you could because you could wipe out your income and then still rack up $2.5 on the credit card.","start":931.225,"end":936.045,"sentiment":"neutral","sentiment_score":0.0340089454714741},{"text":"And I have had people do that.","start":937.545,"end":939.08496,"sentiment":"neutral","sentiment_score":0.20822053296225412},{"text":"So it it does it does does definitely does work.","start":939.785,"end":942.72,"sentiment":"positive","sentiment_score":0.592440614104271},{"text":"The math behind is a little bit convoluted without knowing what the mortgage is and everything else, but it definitely it definitely does work on on the fact that, you know, over the life of the loan, the more you're putting in the in the offset account and how you are actually running it does actually help you to decrease everything.","start":942.95996,"end":959.075,"sentiment":"neutral","sentiment_score":0.17348827467467942}],"sentiment":"neutral","sentiment_score":0.17811088959154273,"num_words":112,"start":926.39,"end":959.075},{"sentences":[{"text":"But it's just about being really strict with reconciling and paying off the credit card before the month.","start":959.29504,"end":963.55505,"sentiment":"neutral","sentiment_score":-0.050920916772964925},{"text":"And that's the biggest thing.","start":963.775,"end":964.575,"sentiment":"neutral","sentiment_score":-0.049896933138370514},{"text":"It has to happen before the month's end.","start":964.575,"end":966.59503,"sentiment":"neutral","sentiment_score":-0.06225726567208767},{"text":"So it's just dependent on you have to know the product.","start":968.255,"end":970.5,"sentiment":"neutral","sentiment_score":-0.0013347977603023703},{"text":"You have to really know your your credit card product before you can kind of go that way.","start":970.58,"end":974.68,"sentiment":"neutral","sentiment_score":-0.009671542483071486}],"sentiment":"neutral","sentiment_score":-0.030881497217342256,"num_words":60,"start":959.29504,"end":974.68},{"sentences":[{"text":"And those that product like, the credit card and the mortgage account is something that I would bring a broker in to actually help us with.","start":974.74,"end":980.42,"sentiment":"neutral","sentiment_score":0.10093918671974769},{"text":"And then sitting down and actually getting a game plan is what you and I would do.","start":980.42,"end":984.045,"sentiment":"neutral","sentiment_score":0.1279615299666629},{"text":"We would sit down, get a game plan, and go, cool.","start":984.125,"end":986.20496,"sentiment":"neutral","sentiment_score":0.16668100316416135},{"text":"Now that we've done this, how are we actually gonna make sure that we hit this target?","start":986.20496,"end":989.245,"sentiment":"neutral","sentiment_score":0.16164545320412693},{"text":"How we make sure that we do this?","start":989.245,"end":990.76495,"sentiment":"neutral","sentiment_score":0.11509200651198626}],"sentiment":"neutral","sentiment_score":0.13040461589263963,"num_words":79,"start":974.74,"end":990.76495},{"sentences":[{"text":"What are you gonna do within your life to do these things?","start":990.76495,"end":994.045,"sentiment":"neutral","sentiment_score":0.11777656649549802},{"text":"And I kind of life coach a little bit, I guess.","start":994.045,"end":996.865,"sentiment":"neutral","sentiment_score":0.11581086909229105},{"text":"So many hats.","start":998.445,"end":999.18,"sentiment":"neutral","sentiment_score":0.0940074622631073},{"text":"Yep.","start":1015.455,"end":1015.955,"sentiment":"neutral","sentiment_score":0.25175774097442627},{"text":"No.","start":1034.3301,"end":1034.8301,"sentiment":"neutral","sentiment_score":-0.07663928717374802}],"sentiment":"neutral","sentiment_score":0.1122992570911135,"num_words":28,"start":990.76495,"end":1034.8301},{"sentences":[{"text":"That's yeah.","start":1035.4501,"end":1037.05,"sentiment":"neutral","sentiment_score":0.0025456976145505905},{"text":"You can talk to me.","start":1037.05,"end":1037.8501,"sentiment":"neutral","sentiment_score":0.03397523276507854},{"text":"You can talk to any of my any any of my advisers as soon as you're Oh, thanks.","start":1037.8501,"end":1043.765,"sentiment":"neutral","sentiment_score":0.1674902815785673},{"text":"Yeah.","start":1046.225,"end":1046.4651,"sentiment":"neutral","sentiment_score":0.2105288207530975},{"text":"Yeah.","start":1046.4651,"end":1046.7051,"sentiment":"neutral","sentiment_score":0.1688363254070282}],"sentiment":"neutral","sentiment_score":0.13219102865291965,"num_words":27,"start":1035.4501,"end":1046.7051},{"sentences":[{"text":"So yeah.","start":1046.7051,"end":1047.185,"sentiment":"neutral","sentiment_score":0.1311625838279724},{"text":"Yeah.","start":1047.185,"end":1047.3451,"sentiment":"neutral","sentiment_score":0.13999754190444946},{"text":"We would just we would just schedule an appointment.","start":1047.3451,"end":1049.265,"sentiment":"neutral","sentiment_score":0.2382270163959927},{"text":"You would just call up and say, hey.","start":1049.265,"end":1050.385,"sentiment":"neutral","sentiment_score":0.2268217634409666},{"text":"I'm ready to go.","start":1050.385,"end":1051.3451,"sentiment":"positive","sentiment_score":0.334732748568058}],"sentiment":"neutral","sentiment_score":0.23749462328851223,"num_words":24,"start":1046.7051,"end":1051.3451},{"sentences":[{"text":"One of the things I can do, if you wanna kind of have a bit of a foresight, and it's something I generally recommend, but it does take some input from you, is I can preconnect you with my broker.","start":1051.3451,"end":1061.0,"sentiment":"neutral","sentiment_score":0.16363178454339505},{"text":"And what my broker can do is kind of just get you mentally in the position of if you wanna purchase a house that is blah dollar figure, you need to have blah saved.","start":1061.7001,"end":1072.36,"sentiment":"neutral","sentiment_score":0.10554391069009024},{"text":"And what does that look like for you?","start":1072.625,"end":1077.365,"sentiment":"neutral","sentiment_score":0.1150735835544765},{"text":"Cool.","start":1079.985,"end":1080.305,"sentiment":"positive","sentiment_score":0.4791564345359802},{"text":"Alright.","start":1080.305,"end":1080.785,"sentiment":"neutral","sentiment_score":0.23059940338134768}],"sentiment":"neutral","sentiment_score":0.1400489148994287,"num_words":84,"start":1051.3451,"end":1080.785},{"sentences":[{"text":"Are you happy for me to send your details to them?","start":1080.785,"end":1082.7051,"sentiment":"neutral","sentiment_score":0.2123143198815259},{"text":"So what I'll do is I'll basically send them, like, a summary of where you stand right now and your contact details.","start":1082.7051,"end":1088.4299,"sentiment":"neutral","sentiment_score":0.10869416459040208},{"text":"They can reach out to you and go from there.","start":1088.4299,"end":1089.95,"sentiment":"neutral","sentiment_score":0.1538802295923233},{"text":"I will let them know that after twelve before two is best.","start":1089.95,"end":1093.65,"sentiment":"neutral","sentiment_score":0.08423242190231879},{"text":"Yep.","start":1101.965,"end":1102.465,"sentiment":"neutral","sentiment_score":-0.11101158708333968}],"sentiment":"neutral","sentiment_score":0.12795194484559552,"num_words":56,"start":1080.785,"end":1102.465},{"sentences":[{"text":"Yep.","start":1111.8049,"end":1112.125,"sentiment":"neutral","sentiment_score":0.032224223017692566},{"text":"Yep.","start":1112.125,"end":1112.22,"sentiment":"neutral","sentiment_score":0.04142707213759422},{"text":"Yeah.","start":1116.7,"end":1117.2,"sentiment":"neutral","sentiment_score":-0.013830449432134628},{"text":"This is why I always call twice because sometimes you miss the first call and, again, it's important they'll ring again.","start":1120.0599,"end":1126.4,"sentiment":"neutral","sentiment_score":-0.020846605123508544},{"text":"Absolutely.","start":1135.3151,"end":1135.715,"sentiment":"neutral","sentiment_score":-0.05245042592287064}],"sentiment":"neutral","sentiment_score":-0.017216331511735915,"num_words":25,"start":1111.8049,"end":1135.715},{"sentences":[{"text":"Absolutely.","start":1135.715,"end":1136.215,"sentiment":"neutral","sentiment_score":-0.028001384809613228},{"text":"All the time.","start":1136.515,"end":1137.415,"sentiment":"neutral","sentiment_score":-0.09050475557645161},{"text":"Oh, no.","start":1139.7899,"end":1140.35,"sentiment":"neutral","sentiment_score":-0.08022609353065491},{"text":"Too many times.","start":1140.35,"end":1141.07,"sentiment":"neutral","sentiment_score":-0.0897338738044103},{"text":"I have done it too many times.","start":1141.07,"end":1142.2699,"sentiment":"neutral","sentiment_score":-0.03511480587933745}],"sentiment":"neutral","sentiment_score":-0.06093581882305443,"num_words":16,"start":1135.715,"end":1142.2699},{"sentences":[{"text":"I am right there with you.","start":1142.2699,"end":1143.57,"sentiment":"neutral","sentiment_score":0.23363239566485086},{"text":"Yep.","start":1143.87,"end":1144.37,"sentiment":"neutral","sentiment_score":0.1187395676970482},{"text":"Yep.","start":1145.87,"end":1146.2699,"sentiment":"neutral","sentiment_score":0.09646304696798325},{"text":"Yep.","start":1146.2699,"end":1146.7699,"sentiment":"neutral","sentiment_score":0.05893684923648834},{"text":"No.","start":1147.3899,"end":1147.63,"sentiment":"neutral","sentiment_score":0.040021754801273346}],"sentiment":"neutral","sentiment_score":0.17159555926918985,"num_words":10,"start":1142.2699,"end":1147.63},{"sentences":[{"text":"Cool.","start":1147.63,"end":1147.7899,"sentiment":"neutral","sentiment_score":0.09891115128993988},{"text":"Well, what I'll do is I'll see for you in the in on the email so that way you're connected with the broker anyway, And they can kind of you can preconnect and they'll email you anyway.","start":1147.7899,"end":1157.945,"sentiment":"neutral","sentiment_score":0.10249719506985433},{"text":"So that way, if they don't connect, the email's there and all that kind of stuff.","start":1157.945,"end":1161.1649,"sentiment":"neutral","sentiment_score":0.04029077920131385},{"text":"Okay.","start":1161.625,"end":1162.125,"sentiment":"neutral","sentiment_score":0.22347046434879303},{"text":"Perfection.","start":1163.865,"end":1164.365,"sentiment":"positive","sentiment_score":0.4564452171325683}],"sentiment":"neutral","sentiment_score":0.09314063424244523,"num_words":56,"start":1147.63,"end":1164.365},{"sentences":[{"text":"Alright.","start":1164.505,"end":1164.825,"sentiment":"neutral","sentiment_score":0.1992127895355225},{"text":"Well, I'll get that all sent off and go from there.","start":1164.825,"end":1167.3,"sentiment":"neutral","sentiment_score":0.14150067418813705},{"text":"And let me have a look and actually make sure.","start":1169.2201,"end":1171.4601,"sentiment":"neutral","sentiment_score":0.08626862838864327},{"text":"Did you do the same?","start":1171.4601,"end":1172.5801,"sentiment":"neutral","sentiment_score":0.030088915675878524},{"text":"Oh, you signed it.","start":1172.5801,"end":1173.54,"sentiment":"neutral","sentiment_score":0.055149796418845654}],"sentiment":"neutral","sentiment_score":0.09643387914665284,"num_words":31,"start":1164.505,"end":1173.54},{"sentences":[{"text":"Oh, fantastic.","start":1173.54,"end":1174.92,"sentiment":"neutral","sentiment_score":0.23337209969758987},{"text":"Perfect.","start":1177.78,"end":1178.28,"sentiment":"neutral","sentiment_score":0.26283231377601624},{"text":"Oh, yeah.","start":1178.3401,"end":1178.74,"sentiment":"neutral","sentiment_score":0.08819830417633057},{"text":"Put a dot or an exit, Larissa said.","start":1178.74,"end":1180.66,"sentiment":"neutral","sentiment_score":0.06933322874829173},{"text":"Yeah.","start":1180.66,"end":1180.9,"sentiment":"neutral","sentiment_score":0.12853917479515076}],"sentiment":"neutral","sentiment_score":0.1135127233075244,"num_words":14,"start":1173.54,"end":1180.9},{"sentences":[{"text":"Fair enough.","start":1180.9,"end":1181.56,"sentiment":"neutral","sentiment_score":0.21607345342636108},{"text":"Cool.","start":1186.855,"end":1187.095,"sentiment":"positive","sentiment_score":0.38716864585876465},{"text":"Well, I will let you go so that way you can clock off, go home, and probably grab a nap before you have to get up at 2AM to be at work.","start":1187.095,"end":1194.155,"sentiment":"neutral","sentiment_score":0.25814799312502146},{"text":"I'll do 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Brisbane.","start":1243.205,"end":1247.065,"sentiment":"neutral","sentiment_score":0.017141902054260885},{"text":"Not not Brisbane, but still yeah.","start":1247.2849,"end":1250.8049,"sentiment":"neutral","sentiment_score":-0.016784286747376125},{"text":"Still the coast, but not not not central.","start":1250.8049,"end":1253.625,"sentiment":"neutral","sentiment_score":-0.011052678106352687},{"text":"It's up to you.","start":1269.865,"end":1270.585,"sentiment":"neutral","sentiment_score":0.07910791970789433},{"text":"We can keep it three to six months if you want.","start":1270.585,"end":1273.1649,"sentiment":"neutral","sentiment_score":0.08719374916770241}],"sentiment":"neutral","sentiment_score":0.030847032630252978,"num_words":43,"start":1243.205,"end":1273.1649},{"sentences":[{"text":"So I can I can at the moment, you have yearly as a preference?","start":1274.265,"end":1279.32,"sentiment":"neutral","sentiment_score":0.0014413394965231419},{"text":"So he can we can tape it?","start":1280.84,"end":1282.7,"sentiment":"neutral","sentiment_score":0.00911430362612009},{"text":"Yeah.","start":1284.0399,"end":1284.36,"sentiment":"neutral","sentiment_score":0.0613156333565712},{"text":"Six months, and I'll touch base with you again, and we can swing in from there.","start":1284.36,"end":1287.98,"sentiment":"neutral","sentiment_score":0.12159341108053923},{"text":"Amazing.","start":1289.88,"end":1290.38,"sentiment":"positive","sentiment_score":0.7152127027511597}],"sentiment":"neutral","sentiment_score":0.07194876389052623,"num_words":39,"start":1274.265,"end":1290.38},{"sentences":[{"text":"Alright.","start":1290.44,"end":1290.84,"sentiment":"positive","sentiment_score":0.4394910931587219},{"text":"Well, I will get my team to touch base with you in that in that time frame.","start":1290.84,"end":1294.12,"sentiment":"neutral","sentiment_score":0.30958771004396324},{"text":"Otherwise, I'll be involved with the broker side of things anyway, so I'll get updates on that front.","start":1294.12,"end":1299.9349,"sentiment":"neutral","sentiment_score":0.1915403977036476},{"text":"I'll be able to slap you over the back of the wrist if you don't end up reaching out and doing the things.","start":1301.915,"end":1306.255,"sentiment":"neutral","sentiment_score":-0.014030369889477024},{"text":"Right?","start":1313.0,"end":1313.5,"sentiment":"neutral","sentiment_score":0.07035139203071594}],"sentiment":"neutral","sentiment_score":0.1482977034524083,"num_words":60,"start":1290.44,"end":1313.5},{"sentences":[{"text":"Perfect.","start":1317.5599,"end":1317.96,"sentiment":"positive","sentiment_score":0.7670990228652954},{"text":"Well, you go get a naps, get some food, do your things, and enjoy the rest of your day, night thing.","start":1317.96,"end":1326.675,"sentiment":"positive","sentiment_score":0.5326650710332961},{"text":"Yep.","start":1327.375,"end":1327.875,"sentiment":"neutral","sentiment_score":0.24726764857769012},{"text":"I'll talk talk to you later, Sam.","start":1329.695,"end":1331.715,"sentiment":"positive","sentiment_score":0.3401670455932617},{"text":"Bye.","start":1333.295,"end":1333.795,"sentiment":"neutral","sentiment_score":-0.10645338892936708}],"sentiment":"positive","sentiment_score":0.4669370675279248,"num_words":31,"start":1317.5599,"end":1333.795}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Yeah. Good. Thanks, mate. Tuesday. Did we say Tuesday at midday? I think we did. My my calendar doesn't tell me about anything anymore. It's in there, but it just it doesn't go, hey. Reminder. Yeah. That's right. This was our catch up from was it last Friday or Friday Friday before, I think? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's alright. I just I just you just need me to sign something, don't you? Because I I got this thing in, and then what what was I thinking when I well, I think I started to read it, but I was I started reading I can't remember what I oh, I think I started reading it at work, and then I got distracted and then yeah. That's that that's that's the one. Okay. Oh, yeah. We can quickly oh, we can run through a bit now if you want, and then I'll just sign it all off. Smitty t spark. 04/15/1988. 9 Colorado Drive, Springfield Lakes 4300, Queensland, Australia. Yep. Oh, that's right. Okay. I am. Page 14. Let me just see if I can keep up with you here. It is believe this is it. SOA, statement of advice. There oh, no. That's the invite for the thing. Signature request. Here it is. Sign request. Do do do do. Sign documents. Alright. Well, it's on page 14. Yep. Okay. Yep. Yep. Yeah. It's almost like I mean, quick math, but it's almost like a grand more than a grand difference, isn't it? Yeah. One was, like, roughly around the four ish, and the other one was around the minus two k, but plus four on income, roughly. But I have the wrong way around. But, yeah, you know what I mean. This split is plus four into super, but minus two on on salary on net incomes. Yeah. Yeah. Yeah. Oh, yeah. That's brilliant. Yep. Yeah. Okay. Sounds good. Yeah. Yep. Mhmm. That's crazy, isn't it? Compounding failure. I still can't. Yeah. It's wrapped me at around out of that. But yeah. That's awesome. Gotcha. 1 whatever that is. Right. And then twenty year or ten years, thirty years later, it's yeah. That's crazy. Alright. Okay. Sensational. Yep. Okay. Sorry. We just got some work shenanigans down on here. Someone's see you. Yeah. No. We're right at the very end of the day. I was was expecting to be done by now, but it was only me first week. So I was still sort of figuring out yeah. Me. I'm just trying to work out what is this it's not letting me I hear about a multiline. Please sign below. I did that. Yeah. Oh, okay. Oh, I put something in there. Yeah. Yeah. You'll probably find it funny. If you if you can see it, you'll find it funny. I think I literally put a dot or an x in there as in those words. Put a dot or an x in here, Larissa said. Okay. That's I believe that is fine. It's just waiting. It's just doing a little load. Have a little sync still loading. Oh, do you guys do, like, other what am I trying to say? Like yeah. Yeah. Or just sort of, like, someone I don't know if it's part of the package of being with you guys, but just talk to someone about sort of, like, you know, if I'm looking to buy a house, sort of, like, how that works, different ways to go about it, ways you can sort of, you know because I've I've had a mate talk to me about, you know, having an offset account and paying every all your bills and expenses and stuff off of credit card and keeping your offset account. They're like, yeah. All this stuff I don't really understand, but I wouldn't mind talking to someone about. Not today. But do you guys do that sort of stuff? Yep. Yep. Yeah. Give me give me one sec, sir. You alright? I'm good. Yeah. Yeah. If you need to go, Nickles say. So Alrighty. Yeah. Only one of us have to hang around a load of truck. Okay. Do you know if the trucks Yes. That's what I was just organized. The Roy calling Mark? Yeah. Okay. Should be here. Should be here the next call. They're sending a trailer or rigid? It's 12 and a half. Oh, okay. Yeah. Yeah. Alright. No worries. Otherwise We're coming in tomorrow. I know we get here in. Yeah. Okay. Alright. I just like to be here. Why don't Roy didn't say what's I'll give him a call. I don't know what time he wants me to start tomorrow. He gave me a surprise 02:00 start this morning, start at four for him. But When did he say say that? Last like, five five, 06:00 last night. Lucky I was still awake. Yeah. Because when I was there, I was like, oh, okay. Because he doesn't tell me. Yeah. Yeah. I think he I think he was trying to surprise us all with that one. Just a little chuck him in the deep end, see what he does. Yeah. Yeah. I'll go I'll sort it out with Nick. Because if they're gonna be here at two, then you really need to be in the thing. Before. But if you you're coming in at two to do the start? Yeah. I'll come in at two to get intake in. Yeah. Then yeah. All good. See you tomorrow, Ted. Yeah. Okay. Alright. Where were we? You're also? Is it? No. Yeah. It's it's they do alright. We do alright here. Yeah. Yeah. Yeah. That's it. I think it was yeah. Sorry. Carry on. Let's go. Yeah. But how how much interest calculated depends goes down the more money you have in in your offset account. Is that sort of right? So Yes. Gotcha. Okay. So it's it's calculated daily, but then I think it what charged monthly or weekly? Monthly. Yeah. Okay. Okay. Yeah. Yep. And that's that's gonna sting if it yeah. Yeah. Yeah. Yep. Yep. Yep. Okay. Yeah. You don't wanna be spending $2 a week. Yeah. Gotcha. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Okay. Okay. Okay. Okay. Okay. Alright. That's been so so you alright. Well, that's sensational. It's good to know that you're because I think probably within the next year, year and a half, I'd sort of would really like to make moves towards buying a property or something if I can. So I'm just gonna, yeah, save as much as I can over the next, like, year and a half just sort of see. But, yeah, it's it's do do you guys do you know if that, like, comes with the, like, the package of being with you? Or do you do we pay extra for to speak talk to advisers and stuff like that? Or is it would it be you that I talk to? Or oh, sweet. Oh, that's good. I like talking to you, so that's that works out. Okay. Okay. Yeah. Alright. Yeah. Yeah. That that'd be brilliant. I'd I would love to for that something like that to be organized. That'd be great. Yeah. Yep. Yep. Just yeah. And just let them know, if you don't mind as well, that if they do call and don't answer, just to leave a message or something. Because I I do, for some reason, get, like, a lot of spam. So if it's not a number that I recognize, I'll I'll usually, like, leave it and then wait to see if they leave a message or text. Because I know if it's important, they'll they'll message you. I might have just missed it or something. And if I if they've left a message, I'll see it and make sure I call them back because yeah. That's right. Sometimes you're sprinting out from the toilet. You're still pulling your pants out, and you get to the phone and the last ring goes, yeah. No. Just ran through the house, butt naked for nothing. No. Kidding. It's really nice. Oh, okay. Alright. We're just being human too. All good. Yep. Yep. Sensational. Yeah. Hold on. You? Excellent. Yes. Go home, nap, then dinner, and then nap again, and then, yeah, work. Let's go. Thank you so much for your time, mate. I appreciate you explaining that stuff for me and going going through all of that. Looking forward to getting in touch with your broker and yeah. You have yourself a lovely day. Yeah. You will. You will. But you're in Sydney, aren't you? That's where you guys are? Oh, you're on the Gold Coast. Whereabouts? Oh, Southport. Okay. My mom's down in Tweed Heads. Yeah. Okay. Yeah. Just down the road. Oh, it's it's lovely down there. No. Good hang up. You live down there too? Like, Southport or near? Oh, okay. Still on that coastal coastal area? Yeah. Nice. Not central. Nice, Barry. Nice. Oh, yeah. You have yourself enjoy the rest of your RV, and I will catch you shit. Next time won't be till when's the next thing? Usually, what do we do? These six monthly or they want yearly things or something? What do we got around at the moment? What yearly. Okay. I mean, we we we wanna go six months. Yeah. Sweet. Yep. Okay. It's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it Need a little bit of that. No. That'd be excellent. Yeah. You're looking after us well. Yeah. We'll go with that. Good afternoon. Bye. See you later as well. 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Yeah. Yeah. Good. Thanks, mate.\n\nTuesday. Did we say Tuesday at midday? I think we did. My my calendar doesn't tell me about anything anymore. It's in there, but it just it doesn't go, hey.\n\nReminder. Yeah. That's right. This was our catch up from was it last Friday or Friday Friday before, I think? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. That's alright. I just I just you just need me to sign something, don't you? Because I I got this thing in, and then what what was I thinking when I well, I think I started to read it, but I was I started reading I can't remember what I oh, I think I started reading it at work, and then I got distracted and then yeah.\n\nThat's that that's that's the one. Okay. Oh, yeah. We can quickly oh, we can run through a bit now if you want, and then I'll just sign it all off. Smitty t spark.\n\n04/15/1988. 9 Colorado Drive, Springfield Lakes 4300, Queensland, Australia. Yep. Oh, that's right. Okay.\n\nI am. Page 14. Let me just see if I can keep up with you here. It is believe this is it. SOA, statement of advice.\n\nThere oh, no. That's the invite for the thing. Signature request. Here it is. Sign request.\n\nDo do do do. Sign documents. Alright. Well, it's on page 14. Yep.\n\nOkay. Yep. Yep. Yeah. It's almost like I mean, quick math, but it's almost like a grand more than a grand difference, isn't it?\n\nYeah. One was, like, roughly around the four ish, and the other one was around the minus two k, but plus four on income, roughly. But I have the wrong way around. But, yeah, you know what I mean. This split is plus four into super, but minus two on on salary on net incomes.\n\nYeah. Yeah. Yeah. Oh, yeah. That's brilliant.\n\nYep. Yeah. Okay. Sounds good. Yeah.\n\nYep. Mhmm. That's crazy, isn't it? Compounding failure. I still can't.\n\nYeah. It's wrapped me at around out of that. But yeah. That's awesome. Gotcha.\n\n1 whatever that is. Right. And then twenty year or ten years, thirty years later, it's yeah. That's crazy. Alright.\n\nOkay. Sensational. Yep. Okay. Sorry.\n\nWe just got some work shenanigans down on here. Someone's see you. Yeah. No. We're right at the very end of the day.\n\nI was was expecting to be done by now, but it was only me first week. So I was still sort of figuring out yeah. Me. I'm just trying to work out what is this it's not letting me I hear about a multiline. Please sign below.\n\nI did that. Yeah. Oh, okay. Oh, I put something in there. Yeah.\n\nYeah. You'll probably find it funny. If you if you can see it, you'll find it funny. I think I literally put a dot or an x in there as in those words. Put a dot or an x in here, Larissa said.\n\nOkay. That's I believe that is fine. It's just waiting. It's just doing a little load. Have a little sync still loading.\n\nOh, do you guys do, like, other what am I trying to say? Like yeah. Yeah. Or just sort of, like, someone I don't know if it's part of the package of being with you guys, but just talk to someone about sort of, like, you know, if I'm looking to buy a house, sort of, like, how that works, different ways to go about it, ways you can sort of, you know because I've I've had a mate talk to me about, you know, having an offset account and paying every all your bills and expenses and stuff off of credit card and keeping your offset account. They're like, yeah.\n\nAll this stuff I don't really understand, but I wouldn't mind talking to someone about. Not today. But do you guys do that sort of stuff? Yep. Yep.\n\nYeah. Give me give me one sec, sir. You alright? I'm good. Yeah.\n\nYeah. If you need to go, Nickles say. So Alrighty. Yeah. Only one of us have to hang around a load of truck.\n\nOkay. Do you know if the trucks Yes. That's what I was just organized. The Roy calling Mark? Yeah.\n\nOkay. Should be here. Should be here the next call. They're sending a trailer or rigid? It's 12 and a half.\n\nOh, okay. Yeah. Yeah. Alright. No worries.\n\nOtherwise We're coming in tomorrow. I know we get here in. Yeah. Okay. Alright.\n\nI just like to be here. Why don't Roy didn't say what's I'll give him a call. I don't know what time he wants me to start tomorrow. He gave me a surprise 02:00 start this morning, start at four for him. But When did he say say that?\n\nLast like, five five, 06:00 last night. Lucky I was still awake. Yeah. Because when I was there, I was like, oh, okay. Because he doesn't tell me.\n\nYeah. Yeah. I think he I think he was trying to surprise us all with that one. Just a little chuck him in the deep end, see what he does. Yeah.\n\nYeah. I'll go I'll sort it out with Nick. Because if they're gonna be here at two, then you really need to be in the thing. Before. But if you you're coming in at two to do the start?\n\nYeah. I'll come in at two to get intake in. Yeah. Then yeah. All good.\n\nSee you tomorrow, Ted. Yeah. Okay. Alright. Where were we?\n\nYou're also? Is it? No. Yeah. It's it's they do alright.\n\nWe do alright here. Yeah. Yeah. Yeah. That's it.\n\nI think it was yeah. Sorry. Carry on. Let's go. Yeah.\n\nBut how how much interest calculated depends goes down the more money you have in in your offset account. Is that sort of right? So Yes. Gotcha. Okay.\n\nSo it's it's calculated daily, but then I think it what charged monthly or weekly? Monthly. Yeah. Okay. Okay.\n\nYeah. Yep. And that's that's gonna sting if it yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Okay. Yeah.\n\nYou don't wanna be spending $2 a week. Yeah. Gotcha. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yep. Okay. Okay. Okay.\n\nOkay. Okay. Alright. That's been so so you alright. Well, that's sensational.\n\nIt's good to know that you're because I think probably within the next year, year and a half, I'd sort of would really like to make moves towards buying a property or something if I can. So I'm just gonna, yeah, save as much as I can over the next, like, year and a half just sort of see. But, yeah, it's it's do do you guys do you know if that, like, comes with the, like, the package of being with you? Or do you do we pay extra for to speak talk to advisers and stuff like that? Or is it would it be you that I talk to?\n\nOr oh, sweet. Oh, that's good. I like talking to you, so that's that works out. Okay. Okay.\n\nYeah. Alright. Yeah. Yeah. That that'd be brilliant.\n\nI'd I would love to for that something like that to be organized. That'd be great. Yeah. Yep. Yep.\n\nJust yeah. And just let them know, if you don't mind as well, that if they do call and don't answer, just to leave a message or something. Because I I do, for some reason, get, like, a lot of spam. So if it's not a number that I recognize, I'll I'll usually, like, leave it and then wait to see if they leave a message or text. Because I know if it's important, they'll they'll message you.\n\nI might have just missed it or something. And if I if they've left a message, I'll see it and make sure I call them back because yeah. That's right. Sometimes you're sprinting out from the toilet. You're still pulling your pants out, and you get to the phone and the last ring goes, yeah.\n\nNo. Just ran through the house, butt naked for nothing. No. Kidding. It's really nice.\n\nOh, okay. Alright. We're just being human too. All good. Yep.\n\nYep. Sensational. Yeah. Hold on. You?\n\nExcellent. Yes. Go home, nap, then dinner, and then nap again, and then, yeah, work. Let's go. Thank you so much for your time, mate.\n\nI appreciate you explaining that stuff for me and going going through all of that. Looking forward to getting in touch with your broker and yeah. You have yourself a lovely day. Yeah. You will.\n\nYou will. But you're in Sydney, aren't you? That's where you guys are? Oh, you're on the Gold Coast. Whereabouts?\n\nOh, Southport. Okay. My mom's down in Tweed Heads. Yeah. Okay.\n\nYeah. Just down the road. Oh, it's it's lovely down there. No. Good hang up.\n\nYou live down there too? Like, Southport or near? Oh, okay. Still on that coastal coastal area? Yeah.\n\nNice. Not central. Nice, Barry. Nice. Oh, yeah.\n\nYou have yourself enjoy the rest of your RV, and I will catch you shit. Next time won't be till when's the next thing? Usually, what do we do? These six monthly or they want yearly things or something? What do we got around at the moment?\n\nWhat yearly. Okay. I mean, we we we wanna go six months. Yeah. Sweet.\n\nYep. Okay. It's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it Need a little bit of that. No. That'd be excellent.\n\nYeah. You're looking after us well. Yeah. We'll go with that. Good afternoon.\n\nBye. See you later as well. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.04901667311787605},{"text":"Yeah.","start":6.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.22821348905563352},{"text":"Yeah.","start":6.3199997,"end":6.56,"sentiment":"positive","sentiment_score":0.3651916980743408},{"text":"Good.","start":6.56,"end":6.7999997,"sentiment":"positive","sentiment_score":0.6624022722244263},{"text":"Thanks, mate.","start":6.7999997,"end":7.54,"sentiment":"positive","sentiment_score":0.7252895534038544}],"sentiment":"positive","sentiment_score":0.4592338732133309,"num_words":6,"start":1.4399999,"end":7.54},{"sentences":[{"text":"Tuesday.","start":8.48,"end":8.98,"sentiment":"positive","sentiment_score":0.4750670790672302},{"text":"Did we say Tuesday at midday?","start":9.28,"end":10.639999,"sentiment":"neutral","sentiment_score":0.09867840881148975},{"text":"I think we did.","start":10.639999,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.08052261918783188},{"text":"My my calendar doesn't tell me about anything anymore.","start":11.5199995,"end":14.259999,"sentiment":"neutral","sentiment_score":-0.22476988037427267},{"text":"It's in there, but it just it doesn't go, hey.","start":15.155001,"end":17.575,"sentiment":"neutral","sentiment_score":-0.19634176418185234}],"sentiment":"neutral","sentiment_score":-0.0865706185499827,"num_words":30,"start":8.48,"end":17.575},{"sentences":[{"text":"Reminder.","start":17.795,"end":18.295,"sentiment":"neutral","sentiment_score":-0.062107160687446594},{"text":"Yeah.","start":20.595001,"end":20.915,"sentiment":"neutral","sentiment_score":0.03521092236042023},{"text":"That's right.","start":20.915,"end":21.655,"sentiment":"neutral","sentiment_score":0.08019163087010384},{"text":"This was our catch up from was it last Friday or Friday Friday before, I think?","start":24.195,"end":30.0,"sentiment":"neutral","sentiment_score":0.028783228364773095},{"text":"Yeah.","start":32.86,"end":33.1,"sentiment":"neutral","sentiment_score":0.04293309152126312}],"sentiment":"neutral","sentiment_score":0.030331036608133997,"num_words":21,"start":17.795,"end":33.1},{"sentences":[{"text":"Yeah.","start":33.1,"end":33.260002,"sentiment":"neutral","sentiment_score":0.047083623707294464},{"text":"Yeah.","start":33.260002,"end":33.420002,"sentiment":"neutral","sentiment_score":0.050952084362506866},{"text":"Yeah.","start":33.420002,"end":33.920002,"sentiment":"neutral","sentiment_score":0.06151767075061798},{"text":"Yeah.","start":38.54,"end":38.58,"sentiment":"neutral","sentiment_score":0.06296827644109726},{"text":"Yeah.","start":38.58,"end":38.62,"sentiment":"neutral","sentiment_score":0.05504920333623886}],"sentiment":"neutral","sentiment_score":0.055514171719551086,"num_words":5,"start":33.1,"end":38.62},{"sentences":[{"text":"Yeah.","start":38.62,"end":38.78,"sentiment":"neutral","sentiment_score":0.03431253507733345},{"text":"No.","start":38.78,"end":39.02,"sentiment":"neutral","sentiment_score":-0.020363949239254},{"text":"That's alright.","start":39.02,"end":39.675,"sentiment":"neutral","sentiment_score":0.05722083896398544},{"text":"I just I just you just need me to sign something, don't you?","start":39.835,"end":48.655,"sentiment":"neutral","sentiment_score":0.0319072761787818},{"text":"Because I I got this thing in, and then what what was I thinking when I well, I think I started to read it, but I was I started reading I can't remember what I oh, I think I started reading it at work, and then I got distracted and then yeah.","start":50.475,"end":68.415,"sentiment":"neutral","sentiment_score":-0.031251006526872516}],"sentiment":"neutral","sentiment_score":-0.01567923891749503,"num_words":69,"start":38.62,"end":68.415},{"sentences":[{"text":"That's that that's that's the one.","start":68.415,"end":71.634995,"sentiment":"neutral","sentiment_score":0.02601037562514345},{"text":"Okay.","start":72.975,"end":73.295,"sentiment":"neutral","sentiment_score":0.044804662466049194},{"text":"Oh, yeah.","start":73.295,"end":73.775,"sentiment":"neutral","sentiment_score":0.07843932881951332},{"text":"We can quickly oh, we can run through a bit now if you want, and then I'll just sign it all off.","start":73.775,"end":80.034996,"sentiment":"neutral","sentiment_score":0.12000687521967021},{"text":"Smitty t spark.","start":88.27,"end":89.869995,"sentiment":"neutral","sentiment_score":0.021915655583143234}],"sentiment":"neutral","sentiment_score":0.09010717045406208,"num_words":34,"start":68.415,"end":89.869995},{"sentences":[{"text":"04/15/1988.","start":89.869995,"end":91.229996,"sentiment":"neutral","sentiment_score":0.011570370756089687},{"text":"9 Colorado Drive, Springfield Lakes 4300, Queensland, Australia.","start":91.229996,"end":94.69,"sentiment":"neutral","sentiment_score":0.045658241491764784},{"text":"Yep.","start":103.345,"end":103.845,"sentiment":"neutral","sentiment_score":0.23127657175064087},{"text":"Oh, that's right.","start":123.479996,"end":124.46,"sentiment":"neutral","sentiment_score":0.00484952578941981},{"text":"Okay.","start":148.45,"end":148.95,"sentiment":"neutral","sentiment_score":0.06515961140394211}],"sentiment":"neutral","sentiment_score":0.04913007594378931,"num_words":14,"start":89.869995,"end":148.95},{"sentences":[{"text":"I am.","start":149.09,"end":149.75,"sentiment":"neutral","sentiment_score":0.02801250386983156},{"text":"Page 14.","start":151.73,"end":152.55,"sentiment":"neutral","sentiment_score":0.03602077439427376},{"text":"Let me just see if I can keep up with you here.","start":152.76999,"end":156.52501,"sentiment":"neutral","sentiment_score":0.05403533981492122},{"text":"It is believe this is it.","start":156.825,"end":161.005,"sentiment":"neutral","sentiment_score":0.04002483313282331},{"text":"SOA, statement of advice.","start":161.945,"end":163.645,"sentiment":"neutral","sentiment_score":0.023417470511049032}],"sentiment":"neutral","sentiment_score":0.04270421212109236,"num_words":26,"start":149.09,"end":163.645},{"sentences":[{"text":"There oh, no.","start":169.56999,"end":170.20999,"sentiment":"neutral","sentiment_score":-0.03162068190673987},{"text":"That's the invite for the thing.","start":170.20999,"end":171.83,"sentiment":"neutral","sentiment_score":0.04751875173921386},{"text":"Signature request.","start":172.29,"end":173.09,"sentiment":"neutral","sentiment_score":0.029355790466070175},{"text":"Here it is.","start":173.09,"end":173.97,"sentiment":"neutral","sentiment_score":0.04823482036590576},{"text":"Sign request.","start":173.97,"end":174.70999,"sentiment":"neutral","sentiment_score":0.035499691031873226}],"sentiment":"neutral","sentiment_score":0.02904161805054173,"num_words":16,"start":169.56999,"end":174.70999},{"sentences":[{"text":"Do do do do.","start":175.09,"end":176.61,"sentiment":"neutral","sentiment_score":0.11323569156229496},{"text":"Sign documents.","start":176.61,"end":177.35,"sentiment":"neutral","sentiment_score":0.028573965653777122},{"text":"Alright.","start":180.75499,"end":181.25499,"sentiment":"neutral","sentiment_score":0.05867398902773857},{"text":"Well, it's on page 14.","start":182.03499,"end":184.055,"sentiment":"neutral","sentiment_score":0.04238076731562614},{"text":"Yep.","start":189.235,"end":189.735,"sentiment":"neutral","sentiment_score":0.05532028526067734}],"sentiment":"neutral","sentiment_score":0.06430683141717544,"num_words":13,"start":175.09,"end":189.735},{"sentences":[{"text":"Okay.","start":190.595,"end":191.075,"sentiment":"neutral","sentiment_score":0.06149841099977493},{"text":"Yep.","start":191.075,"end":191.575,"sentiment":"neutral","sentiment_score":0.10228924453258514},{"text":"Yep.","start":219.43501,"end":219.93501,"sentiment":"neutral","sentiment_score":0.236933171749115},{"text":"Yeah.","start":244.8,"end":245.28,"sentiment":"neutral","sentiment_score":0.17117011547088623},{"text":"It's almost like I mean, quick math, but it's almost like a grand more than a grand difference, isn't it?","start":245.28,"end":250.81999,"sentiment":"neutral","sentiment_score":0.04844129849225283}],"sentiment":"neutral","sentiment_score":0.0641965380248924,"num_words":24,"start":190.595,"end":250.81999},{"sentences":[{"text":"Yeah.","start":251.44,"end":251.94,"sentiment":"neutral","sentiment_score":0.016638269647955894},{"text":"One was, like, roughly around the four ish, and the other one was around the minus two k, but plus four on income, roughly.","start":252.08,"end":260.17502,"sentiment":"neutral","sentiment_score":-0.04580884845927358},{"text":"But I have the wrong way around.","start":260.875,"end":262.255,"sentiment":"neutral","sentiment_score":-0.24401008018425532},{"text":"But, yeah, you know what I mean.","start":263.035,"end":264.075,"sentiment":"neutral","sentiment_score":-0.044656532151358466},{"text":"This split is plus four into super, but minus two on on salary on net incomes.","start":264.075,"end":269.935,"sentiment":"neutral","sentiment_score":-0.012778898235410452}],"sentiment":"neutral","sentiment_score":-0.06014368639073588,"num_words":55,"start":251.44,"end":269.935},{"sentences":[{"text":"Yeah.","start":270.315,"end":270.635,"sentiment":"neutral","sentiment_score":0.02478122711181641},{"text":"Yeah.","start":270.635,"end":270.875,"sentiment":"neutral","sentiment_score":0.04430559277534485},{"text":"Yeah.","start":270.875,"end":271.355,"sentiment":"neutral","sentiment_score":0.053101252764463425},{"text":"Oh, yeah.","start":271.355,"end":271.835,"sentiment":"neutral","sentiment_score":0.139169380068779},{"text":"That's brilliant.","start":271.835,"end":272.575,"sentiment":"positive","sentiment_score":0.813127726316452}],"sentiment":"neutral","sentiment_score":0.2895403264888695,"num_words":7,"start":270.315,"end":272.575},{"sentences":[{"text":"Yep.","start":280.69,"end":281.19,"sentiment":"neutral","sentiment_score":0.17831265926361084},{"text":"Yeah.","start":283.17,"end":283.57,"sentiment":"neutral","sentiment_score":0.20842692255973816},{"text":"Okay.","start":283.57,"end":284.07,"sentiment":"neutral","sentiment_score":0.2783694267272949},{"text":"Sounds 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can't.","start":329.8,"end":330.82,"sentiment":"negative","sentiment_score":-0.33603374163309735}],"sentiment":"neutral","sentiment_score":-0.2650623345239596,"num_words":11,"start":316.355,"end":330.82},{"sentences":[{"text":"Yeah.","start":332.24002,"end":332.74002,"sentiment":"neutral","sentiment_score":-0.10692455619573592},{"text":"It's wrapped me at around out of that.","start":332.88,"end":334.98,"sentiment":"neutral","sentiment_score":-0.14659650065004826},{"text":"But yeah.","start":335.12003,"end":335.86002,"sentiment":"neutral","sentiment_score":-0.05730109289288521},{"text":"That's awesome.","start":337.28003,"end":338.1,"sentiment":"positive","sentiment_score":0.344151109457016},{"text":"Gotcha.","start":351.705,"end":352.205,"sentiment":"neutral","sentiment_score":0.04728008806705475}],"sentiment":"neutral","sentiment_score":-0.04705117430005755,"num_words":14,"start":332.24002,"end":352.205},{"sentences":[{"text":"1 whatever that is.","start":357.06,"end":359.16,"sentiment":"neutral","sentiment_score":0.025527823716402054},{"text":"Right.","start":359.94,"end":360.44,"sentiment":"neutral","sentiment_score":-0.02558998391032219},{"text":"And then twenty year or ten years, thirty years later, it's yeah.","start":362.58,"end":366.25998,"sentiment":"neutral","sentiment_score":-0.08947854985793431},{"text":"That's crazy.","start":366.25998,"end":367.08,"sentiment":"neutral","sentiment_score":-0.2649483382701874},{"text":"Alright.","start":367.975,"end":368.475,"sentiment":"neutral","sentiment_score":0.016884855926036835}],"sentiment":"neutral","sentiment_score":-0.07551165539771318,"num_words":20,"start":357.06,"end":368.475},{"sentences":[{"text":"Okay.","start":368.855,"end":369.355,"sentiment":"neutral","sentiment_score":-0.020464187487959865},{"text":"Sensational.","start":369.49503,"end":369.99503,"sentiment":"neutral","sentiment_score":-0.06005057692527771},{"text":"Yep.","start":388.53003,"end":389.03003,"sentiment":"neutral","sentiment_score":0.32904142141342163},{"text":"Okay.","start":394.155,"end":394.655,"sentiment":"neutral","sentiment_score":0.32060378789901733},{"text":"Sorry.","start":405.03497,"end":405.435,"sentiment":"neutral","sentiment_score":-0.2112792283296585}],"sentiment":"neutral","sentiment_score":0.07157024331390857,"num_words":5,"start":368.855,"end":405.435},{"sentences":[{"text":"We just got some work shenanigans down on here.","start":405.435,"end":407.935,"sentiment":"neutral","sentiment_score":-0.2619829658004973},{"text":"Someone's see you.","start":409.87,"end":415.65,"sentiment":"neutral","sentiment_score":-0.11357107261816661},{"text":"Yeah.","start":416.19,"end":416.69,"sentiment":"neutral","sentiment_score":-0.06807488203048706},{"text":"No.","start":417.31,"end":417.47,"sentiment":"neutral","sentiment_score":-0.18403969705104828},{"text":"We're right at the very end of the day.","start":417.47,"end":418.91,"sentiment":"neutral","sentiment_score":-0.1358900707628992}],"sentiment":"neutral","sentiment_score":-0.18146457069593927,"num_words":23,"start":405.435,"end":418.91},{"sentences":[{"text":"I was was expecting to be done by now, but it was only me first week.","start":418.91,"end":424.665,"sentiment":"neutral","sentiment_score":-0.19153730385005474},{"text":"So I was still sort of figuring out yeah.","start":424.665,"end":427.305,"sentiment":"neutral","sentiment_score":-0.2141974816719691},{"text":"Me.","start":427.305,"end":427.805,"sentiment":"neutral","sentiment_score":-0.07895303517580032},{"text":"I'm just trying to work out what is this it's not letting me I hear about a multiline.","start":428.665,"end":434.525,"sentiment":"neutral","sentiment_score":-0.11877973853713936},{"text":"Please sign below.","start":435.23,"end":436.43,"sentiment":"neutral","sentiment_score":-0.029618748774131138}],"sentiment":"neutral","sentiment_score":-0.1552812504641553,"num_words":47,"start":418.91,"end":436.43},{"sentences":[{"text":"I did that.","start":436.43,"end":437.25,"sentiment":"neutral","sentiment_score":-0.007869664579629898},{"text":"Yeah.","start":445.23,"end":445.73,"sentiment":"neutral","sentiment_score":-0.01678575947880745},{"text":"Oh, okay.","start":466.42,"end":467.0,"sentiment":"neutral","sentiment_score":0.0770033597946167},{"text":"Oh, I put something in there.","start":470.74002,"end":475.0,"sentiment":"neutral","sentiment_score":-0.00044305001695950943},{"text":"Yeah.","start":478.035,"end":478.535,"sentiment":"neutral","sentiment_score":0.03913043811917305}],"sentiment":"neutral","sentiment_score":0.01154493110684248,"num_words":13,"start":436.43,"end":478.535},{"sentences":[{"text":"Yeah.","start":479.315,"end":479.555,"sentiment":"neutral","sentiment_score":0.04193861037492752},{"text":"You'll probably find it funny.","start":479.555,"end":480.935,"sentiment":"neutral","sentiment_score":0.035643404349684715},{"text":"If you if you can see it, you'll find it funny.","start":480.995,"end":483.255,"sentiment":"neutral","sentiment_score":0.11148645017634738},{"text":"I think I literally put a dot or an x in there as in those words.","start":485.79498,"end":491.13,"sentiment":"neutral","sentiment_score":0.07791210035793483},{"text":"Put a dot or an x in here, Larissa 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other what am I trying to say?","start":505.50497,"end":514.325,"sentiment":"neutral","sentiment_score":0.04810005555359217},{"text":"Like yeah.","start":515.105,"end":517.90497,"sentiment":"neutral","sentiment_score":0.032565128058195114},{"text":"Yeah.","start":517.90497,"end":518.225,"sentiment":"neutral","sentiment_score":0.03830984979867935},{"text":"Or just sort of, like, someone I don't know if it's part of the package of being with you guys, but just talk to someone about sort of, like, you know, if I'm looking to buy a house, sort of, like, how that works, different ways to go about it, ways you can sort of, you know because I've I've had a mate talk to me about, you know, having an offset account and paying every all your bills and expenses and stuff off of credit card and keeping your offset account.","start":518.225,"end":545.145,"sentiment":"neutral","sentiment_score":0.03180745309826149},{"text":"They're like, yeah.","start":545.145,"end":545.78503,"sentiment":"neutral","sentiment_score":-0.04518051321307818}],"sentiment":"neutral","sentiment_score":0.03170707183344676,"num_words":111,"start":505.50497,"end":545.78503},{"sentences":[{"text":"All this stuff I don't really understand, but I wouldn't mind talking to someone about.","start":545.78503,"end":549.24,"sentiment":"neutral","sentiment_score":-0.05289166184763114},{"text":"Not today.","start":550.12,"end":550.92,"sentiment":"neutral","sentiment_score":-0.06401724554598331},{"text":"But do you guys do that sort of 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good.","start":615.86,"end":616.42,"sentiment":"positive","sentiment_score":0.5630988478660583},{"text":"Yeah.","start":616.42,"end":616.82,"sentiment":"neutral","sentiment_score":0.2590219974517822}],"sentiment":"neutral","sentiment_score":0.18229590671566817,"num_words":13,"start":577.125,"end":616.82},{"sentences":[{"text":"Yeah.","start":616.82,"end":617.06,"sentiment":"neutral","sentiment_score":0.14392796158790588},{"text":"If you need to go, Nickles say.","start":617.06,"end":618.82,"sentiment":"neutral","sentiment_score":0.04126579740217754},{"text":"So Alrighty.","start":618.82,"end":619.90497,"sentiment":"neutral","sentiment_score":0.07087085023522377},{"text":"Yeah.","start":619.90497,"end":620.14496,"sentiment":"neutral","sentiment_score":0.023060301318764687},{"text":"Only one of us have to hang around a load of truck.","start":620.14496,"end":622.40497,"sentiment":"neutral","sentiment_score":-0.009742974303662777}],"sentiment":"neutral","sentiment_score":0.02089890667601772,"num_words":23,"start":616.82,"end":622.40497},{"sentences":[{"text":"Okay.","start":622.46497,"end":622.705,"sentiment":"neutral","sentiment_score":0.011158507317304611},{"text":"Do you know if the trucks Yes.","start":622.705,"end":624.385,"sentiment":"neutral","sentiment_score":0.006942386073725564},{"text":"That's what I was just organized.","start":624.385,"end":625.765,"sentiment":"neutral","sentiment_score":0.06375560226539771},{"text":"The Roy calling Mark?","start":626.14496,"end":627.285,"sentiment":"neutral","sentiment_score":0.038105917163193226},{"text":"Yeah.","start":628.065,"end":628.305,"sentiment":"neutral","sentiment_score":0.04521038383245468}],"sentiment":"neutral","sentiment_score":0.033680151363736706,"num_words":19,"start":622.46497,"end":628.305},{"sentences":[{"text":"Okay.","start":628.305,"end":628.705,"sentiment":"neutral","sentiment_score":0.06842587888240814},{"text":"Should be here.","start":628.705,"end":629.505,"sentiment":"neutral","sentiment_score":0.08420564979314804},{"text":"Should be here the next call.","start":629.505,"end":630.545,"sentiment":"neutral","sentiment_score":0.08698200434446335},{"text":"They're sending a trailer or rigid?","start":630.545,"end":632.005,"sentiment":"neutral","sentiment_score":0.00841598150630792},{"text":"It's 12 and a 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good.","start":1145.23,"end":1145.89,"sentiment":"neutral","sentiment_score":0.32823991775512695},{"text":"Yep.","start":1159.225,"end":1159.725,"sentiment":"neutral","sentiment_score":0.013714882545173168}],"sentiment":"neutral","sentiment_score":0.14402843359857798,"num_words":11,"start":1143.3099,"end":1159.725},{"sentences":[{"text":"Yep.","start":1161.305,"end":1161.805,"sentiment":"neutral","sentiment_score":0.084339439868927},{"text":"Sensational.","start":1173.4501,"end":1173.9501,"sentiment":"neutral","sentiment_score":0.15637552738189697},{"text":"Yeah.","start":1174.41,"end":1174.89,"sentiment":"neutral","sentiment_score":0.23505772650241852},{"text":"Hold on.","start":1174.89,"end":1175.6901,"sentiment":"neutral","sentiment_score":0.1730058789253235},{"text":"You?","start":1175.6901,"end":1176.1901,"sentiment":"neutral","sentiment_score":0.18498000502586365}],"sentiment":"neutral","sentiment_score":0.16779407610495886,"num_words":6,"start":1161.305,"end":1176.1901},{"sentences":[{"text":"Excellent.","start":1185.405,"end":1185.905,"sentiment":"positive","sentiment_score":0.4611371159553528},{"text":"Yes.","start":1193.99,"end":1194.49,"sentiment":"neutral","sentiment_score":0.19548270106315613},{"text":"Go home, nap, then dinner, and then nap again, and then, yeah, work.","start":1195.99,"end":1201.37,"sentiment":"neutral","sentiment_score":0.19218635329833397},{"text":"Let's go.","start":1201.675,"end":1202.415,"sentiment":"neutral","sentiment_score":0.21769198775291443},{"text":"Thank you so much for your time, mate.","start":1203.1951,"end":1204.975,"sentiment":"positive","sentiment_score":0.7148303091526031}],"sentiment":"positive","sentiment_score":0.3723627543449402,"num_words":25,"start":1185.405,"end":1204.975},{"sentences":[{"text":"I appreciate you explaining that stuff for me and going going through all of that.","start":1205.035,"end":1209.1951,"sentiment":"positive","sentiment_score":0.7127736330032348},{"text":"Looking forward to getting in touch with your broker and yeah.","start":1209.1951,"end":1213.6951,"sentiment":"positive","sentiment_score":0.6446439840576865},{"text":"You have yourself a lovely day.","start":1214.155,"end":1219.95,"sentiment":"positive","sentiment_score":0.564380856230855},{"text":"Yeah.","start":1219.95,"end":1220.27,"sentiment":"neutral","sentiment_score":0.08938810229301453},{"text":"You will.","start":1220.27,"end":1220.83,"sentiment":"neutral","sentiment_score":0.12287774309515953}],"sentiment":"positive","sentiment_score":0.6144033441586154,"num_words":35,"start":1205.035,"end":1220.83},{"sentences":[{"text":"You will.","start":1220.83,"end":1221.49,"sentiment":"neutral","sentiment_score":0.0678159836679697},{"text":"But you're in Sydney, aren't you?","start":1221.79,"end":1223.65,"sentiment":"neutral","sentiment_score":-0.05016380796829859},{"text":"That's where you guys are?","start":1224.35,"end":1225.65,"sentiment":"neutral","sentiment_score":-0.048414118587970734},{"text":"Oh, you're on the Gold Coast.","start":1226.11,"end":1227.15,"sentiment":"neutral","sentiment_score":0.010507502127438784},{"text":"Whereabouts?","start":1227.15,"end":1227.65,"sentiment":"neutral","sentiment_score":0.00645293015986681}],"sentiment":"neutral","sentiment_score":-0.016896176524460314,"num_words":20,"start":1220.83,"end":1227.65},{"sentences":[{"text":"Oh, Southport.","start":1230.615,"end":1231.255,"sentiment":"neutral","sentiment_score":0.010153267532587051},{"text":"Okay.","start":1231.255,"end":1231.495,"sentiment":"neutral","sentiment_score":0.020026784390211105},{"text":"My mom's down in Tweed Heads.","start":1231.495,"end":1233.0349,"sentiment":"neutral","sentiment_score":0.03789864511539539},{"text":"Yeah.","start":1233.495,"end":1233.735,"sentiment":"neutral","sentiment_score":0.026539325714111328},{"text":"Okay.","start":1233.735,"end":1234.235,"sentiment":"neutral","sentiment_score":0.015639953315258026}],"sentiment":"neutral","sentiment_score":0.028173133561556988,"num_words":11,"start":1230.615,"end":1234.235},{"sentences":[{"text":"Yeah.","start":1235.815,"end":1236.2949,"sentiment":"neutral","sentiment_score":0.022292673587799072},{"text":"Just down the road.","start":1236.2949,"end":1237.335,"sentiment":"neutral","sentiment_score":0.042340048123151064},{"text":"Oh, it's it's lovely down there.","start":1237.335,"end":1238.855,"sentiment":"neutral","sentiment_score":0.28366783012946445},{"text":"No.","start":1238.855,"end":1239.015,"sentiment":"neutral","sentiment_score":0.02406427636742592},{"text":"Good hang up.","start":1239.015,"end":1239.6549,"sentiment":"neutral","sentiment_score":0.016927643368641537}],"sentiment":"neutral","sentiment_score":0.13123380355536937,"num_words":15,"start":1235.815,"end":1239.6549},{"sentences":[{"text":"You live down there too?","start":1239.6549,"end":1240.955,"sentiment":"neutral","sentiment_score":0.029980302974581718},{"text":"Like, Southport or near?","start":1241.095,"end":1242.8,"sentiment":"neutral","sentiment_score":0.016325852135196328},{"text":"Oh, okay.","start":1245.3401,"end":1246.0801,"sentiment":"neutral","sentiment_score":0.029957380145788193},{"text":"Still on that coastal coastal area?","start":1247.42,"end":1249.8401,"sentiment":"neutral","sentiment_score":-0.01806189368168513},{"text":"Yeah.","start":1251.8201,"end":1252.3201,"sentiment":"neutral","sentiment_score":-0.001185169443488121}],"sentiment":"neutral","sentiment_score":0.009197952898426188,"num_words":18,"start":1239.6549,"end":1252.3201},{"sentences":[{"text":"Nice.","start":1253.42,"end":1253.8201,"sentiment":"neutral","sentiment_score":0.18957307934761047},{"text":"Not central.","start":1253.8201,"end":1254.64,"sentiment":"neutral","sentiment_score":0.08084779232740402},{"text":"Nice, Barry.","start":1255.135,"end":1255.9349,"sentiment":"positive","sentiment_score":0.3943762630224228},{"text":"Nice.","start":1255.9349,"end":1256.335,"sentiment":"positive","sentiment_score":0.47134995460510254},{"text":"Oh, yeah.","start":1256.335,"end":1257.695,"sentiment":"positive","sentiment_score":0.3665846586227417}],"sentiment":"neutral","sentiment_score":0.29306755773723125,"num_words":8,"start":1253.42,"end":1257.695},{"sentences":[{"text":"You have yourself enjoy the rest of your RV, and I will catch you shit.","start":1257.695,"end":1262.4149,"sentiment":"positive","sentiment_score":0.44427384734153746},{"text":"Next time won't be till when's the next thing?","start":1262.4149,"end":1265.615,"sentiment":"neutral","sentiment_score":-0.029378525705801115},{"text":"Usually, what do we do?","start":1265.615,"end":1266.495,"sentiment":"neutral","sentiment_score":-0.016469738632440566},{"text":"These six monthly or they want yearly things or something?","start":1266.495,"end":1269.075,"sentiment":"neutral","sentiment_score":0.01018644254654646},{"text":"What do we got around at the moment?","start":1273.97,"end":1275.59,"sentiment":"neutral","sentiment_score":0.010512644657865167}],"sentiment":"neutral","sentiment_score":0.1383684652837667,"num_words":47,"start":1257.695,"end":1275.59},{"sentences":[{"text":"What yearly.","start":1277.77,"end":1281.09,"sentiment":"neutral","sentiment_score":-0.0016222151461988679},{"text":"Okay.","start":1281.09,"end":1281.21,"sentiment":"neutral","sentiment_score":0.017558835446834564},{"text":"I mean, we we we wanna go six months.","start":1281.21,"end":1283.4099,"sentiment":"neutral","sentiment_score":0.004810417691866557},{"text":"Yeah.","start":1283.4099,"end":1283.9099,"sentiment":"neutral","sentiment_score":0.05079261213541031},{"text":"Sweet.","start":1288.065,"end":1288.565,"sentiment":"positive","sentiment_score":0.6843535900115967}],"sentiment":"neutral","sentiment_score":0.056625311894874485,"num_words":14,"start":1277.77,"end":1288.565},{"sentences":[{"text":"Yep.","start":1300.22,"end":1300.72,"sentiment":"neutral","sentiment_score":0.15102185308933258},{"text":"Okay.","start":1301.02,"end":1301.52,"sentiment":"neutral","sentiment_score":0.11174792796373367},{"text":"It's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it Need a little bit of that.","start":1303.26,"end":1312.4349,"sentiment":"neutral","sentiment_score":0.021764832671339576},{"text":"No.","start":1312.4349,"end":1312.835,"sentiment":"neutral","sentiment_score":-0.10509423911571504},{"text":"That'd be excellent.","start":1312.835,"end":1313.815,"sentiment":"positive","sentiment_score":0.34527452290058136}],"sentiment":"neutral","sentiment_score":0.0459218807306818,"num_words":44,"start":1300.22,"end":1313.815},{"sentences":[{"text":"Yeah.","start":1313.875,"end":1314.375,"sentiment":"positive","sentiment_score":0.5525237321853638},{"text":"You're looking after us well.","start":1315.075,"end":1316.5349,"sentiment":"positive","sentiment_score":0.5934148073196411},{"text":"Yeah.","start":1325.1,"end":1325.6,"sentiment":"neutral","sentiment_score":0.21591095626354215},{"text":"We'll go with that.","start":1326.22,"end":1327.2,"sentiment":"positive","sentiment_score":0.4037593901157379},{"text":"Good afternoon.","start":1329.34,"end":1330.16,"sentiment":"positive","sentiment_score":0.5405317842960358}],"sentiment":"positive","sentiment_score":0.49473921954631805,"num_words":13,"start":1313.875,"end":1330.16},{"sentences":[{"text":"Bye.","start":1331.74,"end":1331.82,"sentiment":"neutral","sentiment_score":0.2807735204696655},{"text":"See you later as well.","start":1331.82,"end":1332.62,"sentiment":"positive","sentiment_score":0.3498957395553589},{"text":"Bye.","start":1332.62,"end":1333.12,"sentiment":"neutral","sentiment_score":0.14442700147628784}],"sentiment":"neutral","sentiment_score":0.31066845996039255,"num_words":7,"start":1331.74,"end":1333.12}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Sam. Larissa, Oaktree Financial. How are you going?\n\nChannel 1: Yeah. Yeah. Good. Thanks, mate.\n\nChannel 0: That's\n\nChannel 1: Tuesday.\n\nChannel 0: good.\n\nChannel 1: Did we say Tuesday at midday? I think we did. My\n\nChannel 0: Yep.\n\nChannel 1: my calendar doesn't tell me about anything anymore. It's in there, but it just it doesn't go, hey. Reminder.\n\nChannel 0: Yeah. Hi. There's a thing happening.\n\nChannel 1: Yeah. That's right. This was our catch up from was it last Friday or Friday Friday\n\nChannel 0: Yeah.\n\nChannel 1: before, I think?\n\nChannel 0: Yep. From from couple weeks ago. Yep.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: We're both all over it.\n\nChannel 1: Yeah. Yeah. Yeah. No. That's alright.\n\nI just I just you just need me to sign\n\nChannel 0: I\n\nChannel 1: something,\n\nChannel 0: essentially, yes. But also, like, it\n\nChannel 1: don't\n\nChannel 0: would be nice to know that you know what I'm talking about, but\n\nChannel 1: you?\n\nChannel 0: yes.\n\nChannel 1: Because I I got this thing in, and then what what was I thinking when I well, I think I started to read it,\n\nChannel 0: That's good. You've started\n\nChannel 1: but\n\nChannel 0: reading\n\nChannel 1: I was\n\nChannel 0: it.\n\nChannel 1: I started reading I can't remember what I oh, I think I started reading it at work, and then I got distracted and then\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: Pulled\n\nChannel 1: That's\n\nChannel 0: in\n\nChannel 1: that\n\nChannel 0: 13\n\nChannel 1: that's\n\nChannel 0: thousand directions.\n\nChannel 1: that's the one.\n\nChannel 0: Mhmm.\n\nChannel 1: Okay. Oh, yeah. We can quickly oh, we can run through a bit now if you want, and then I'll\n\nChannel 0: Cool.\n\nChannel 1: just sign it all off.\n\nChannel 0: Perfect. Well, before I jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security, full name, date of birth, address, we can run through it.\n\nChannel 1: Smitty t spark. 04/15/1988. 9 Colorado Drive, Springfield Lakes 4300, Queensland,\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Australia.\n\nChannel 0: Cool. So it's it's, like, really nice easy\n\nChannel 1: Yep.\n\nChannel 0: scope of advice is basically limited to the underlying investments, changing those up. I updated all the figures from the last document I did up, and then it's salary sacrifice contributions, looking at making $75 per week into the fund, and\n\nChannel 1: Oh, that's\n\nChannel 0: how\n\nChannel 1: right.\n\nChannel 0: that and how that triggers the tax implications for you, where what that's gonna mean in terms of what your taxable income turns into, what that means in terms of your contributions as well, and how that's gonna kinda play off. So there's what I would say is a beautiful table on page 14 that kind of outlines that, but it's\n\nChannel 1: Okay.\n\nChannel 0: basically\n\nChannel 1: I\n\nChannel 0: salary\n\nChannel 1: am.\n\nChannel 0: is a 100 and\n\nChannel 1: Page 14. Let me just see if I can keep up with you here. It is believe this is it. SOA,\n\nChannel 0: So\n\nChannel 1: statement of advice.\n\nChannel 0: yep. That one.\n\nChannel 1: There oh, no. That's the invite for the thing. Signature request. Here it is. Sign request.\n\nDo do do do. Sign documents. Alright. Well, it's on page 14. Yep.\n\nOkay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it's, like, salary $10.05 current, no salary sacrifice proposed. By the time we're 75 each week, that's the the 3,900. Taxable income's gonna drop, obviously, by that 3,900, which means that your tax on your taxable income drops from the $42 to the $22.08, which means that your net income is dropping from basically $80 to $78 per annum,\n\nChannel 1: Yep.\n\nChannel 0: which means that your contributions are gonna be instead of the $12.60 flat that your employer currently pays, you have the additional salary sacrifice contributions there, which then flows on. So it means that we're gonna end up with more in our super fund. It means that we're going to end up with a little bit less tax paid on that side, and it balances out really nicely, actually.\n\nChannel 1: Yeah. It's almost like I mean, quick math, but it's almost like a grand more than a grand\n\nChannel 0: Mhmm.\n\nChannel 1: difference, isn't it?\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Yeah. One was, like, roughly around the four ish, and the other one was around the minus two k, but plus four on income,\n\nChannel 0: Yes.\n\nChannel 1: roughly. But\n\nChannel 0: Isn't\n\nChannel 1: I have the\n\nChannel 0: it nice?\n\nChannel 1: wrong way around.\n\nChannel 0: It\n\nChannel 1: But,\n\nChannel 0: is\n\nChannel 1: yeah,\n\nChannel 0: always\n\nChannel 1: you know what I mean. This split is\n\nChannel 0: I know.\n\nChannel 1: plus\n\nChannel 0: You're right.\n\nChannel 1: four into super, but minus two on on salary on net incomes.\n\nChannel 0: Oh, yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's brilliant.\n\nChannel 0: It's just because of the because of the nice little tax savings because you're no longer paying your marginal tax rate, which is the 37% tax. You're\n\nChannel 1: Yep.\n\nChannel 0: paying\n\nChannel 1: Yeah. Okay. Sounds good.\n\nChannel 0: yeah. And then the investment's down on page 30 is it page 17? Sorry. I just updated those with the the the new figures where we're sitting. Same recommendations as last time, just updated it based on,\n\nChannel 1: Yeah.\n\nChannel 0: you know, current current position and where we're going from there. So all in all, same as what we discussed, just obviously incorporating the salary sacrifice positioning in and how that's gonna kind of play off in the long term.\n\nChannel 1: Yep.\n\nChannel 0: Because we're salary sacrificing, we're gonna obviously have a much better compound over the next ten years\n\nChannel 1: Mhmm.\n\nChannel 0: to the degree of nearly $200.\n\nChannel 1: That's crazy, isn't it? Compounding failure. I still can't. Yeah. It's wrapped me at around out of that.\n\nBut yeah.\n\nChannel 0: Well, it's\n\nChannel 1: That's awesome.\n\nChannel 0: so, like, put put a $100 in and it earns $5, you know, worth of interest over a month. The next month is a $105. And then, you know, you earn 5% interest on that, which is no longer $5. It's gonna be, say,\n\nChannel 1: Gotcha.\n\nChannel 0: a 100 it's gonna be $5.05, which turns you a $105 into a\n\nChannel 1: 1\n\nChannel 0: hundred and ten dollars\n\nChannel 1: whatever\n\nChannel 0: and\n\nChannel 1: that\n\nChannel 0: 5¢.\n\nChannel 1: is.\n\nChannel 0: And then that compounds\n\nChannel 1: Right.\n\nChannel 0: at 5% and so on and so forth.\n\nChannel 1: And then twenty year or ten years, thirty years later, it's yeah. That's crazy.\n\nChannel 0: Well, yeah.\n\nChannel 1: Alright. Okay. Sensational.\n\nChannel 0: So all I need you to do, realistically, is sign the documents if you're happy to go ahead. And what that means is that my team will, a, get the investment swapped over, and then, b, send you a letter to for you to give your boss or payroll,\n\nChannel 1: Yep.\n\nChannel 0: and they can trigger that Salsak arrangement for you through their\n\nChannel 1: Okay.\n\nChannel 0: payroll system. I'll make it nice and easy, as simple as possible, generally.\n\nChannel 1: Sorry. We just got some work shenanigans down on here.\n\nChannel 0: Always\n\nChannel 1: Someone's\n\nChannel 0: work shenanigans.\n\nChannel 1: see you. Yeah. No. We're right at the very end of the day. I was was expecting to be done by now, but it was only me first week.\n\nSo I was still sort of figuring out yeah. Me. I'm just trying to work out what is this it's not letting me I hear about a multiline. Please sign below. I did that.\n\nChannel 0: So there's a multiline bit. So on the SOA, if you're already up there. Sorry. There's where just above the signature, there's that, like, box. Just\n\nChannel 1: Yeah.\n\nChannel 0: put a put a dot or an x or something in it. It's if you don't wanna proceed with all of the advice, you could choose to, like, disregard. So if you turn around, wait, Larissa, thanks so much for doing it up, but I actually don't want to do the salary sacrifice because I've decided to do something else, then you could say you could basically reject that piece of advice. So it's just\n\nChannel 1: Oh,\n\nChannel 0: an\n\nChannel 1: okay.\n\nChannel 0: option for you to basically word in your own words what you wanna do, but otherwise, just put\n\nChannel 1: Oh,\n\nChannel 0: a dot in it, and it'll let\n\nChannel 1: I\n\nChannel 0: you move on.\n\nChannel 1: put something in there.\n\nChannel 0: Hello?\n\nChannel 1: Yeah.\n\nChannel 0: I have\n\nChannel 1: Yeah.\n\nChannel 0: actually\n\nChannel 1: You'll\n\nChannel 0: had\n\nChannel 1: probably\n\nChannel 0: a client.\n\nChannel 1: find it funny. If you if\n\nChannel 0: Yeah.\n\nChannel 1: you can see it, you'll find it funny.\n\nChannel 0: I'm sure I will.\n\nChannel 1: I think I literally put a dot or an x in there\n\nChannel 0: Nice.\n\nChannel 1: as in\n\nChannel 0: Yeah.\n\nChannel 1: those\n\nChannel 0: That's\n\nChannel 1: words.\n\nChannel 0: perfect.\n\nChannel 1: Put a dot or an x in here, Larissa said.\n\nChannel 0: I can't wait to say it.\n\nChannel 1: Okay. That's I believe that is fine. It's just waiting. It's just doing a little load. Have a little sync still loading.\n\nOh,\n\nChannel 0: And\n\nChannel 1: do\n\nChannel 0: then\n\nChannel 1: you guys do,\n\nChannel 0: Yes.\n\nChannel 1: like, other what am I trying to say?\n\nChannel 0: Other areas\n\nChannel 1: Like\n\nChannel 0: of invest. Other investments.\n\nChannel 1: yeah. Yeah. Or just sort of, like, someone I don't know if it's part of the package of being with you guys, but just talk to someone about sort of, like, you know, if I'm looking to buy a house, sort of, like, how that works, different ways to go about it, ways you can sort of, you know because I've I've had a mate talk to me about, you know, having an offset account and paying every all your bills and expenses\n\nChannel 0: Yep.\n\nChannel 1: and stuff off of credit card and keeping\n\nChannel 0: Mhmm.\n\nChannel 1: your offset account. They're like, yeah. All this stuff I don't really understand, but I wouldn't mind talking to someone about.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Not today. But do you guys do that sort of stuff?\n\nChannel 0: Yes. Yes. So it's when it comes to property advice, it it becomes a blend between financial advice and, like, and the mortgage broker. Brokers obviously set up all the accounts,\n\nChannel 1: Yep.\n\nChannel 0: and they choose the provider that you wanna go with. So, you know, whether it's Bank of Queensland or CommBank or NAB or whatever\n\nChannel 1: Yep.\n\nChannel 0: based on the loan rates and you as an individual and what that's gonna look like.\n\nChannel 1: Yeah.\n\nChannel 0: And then, yeah, like, I can advise on how to lifestyle that. But the mortgage broker can also kind of meld into that. I've had a couple of clients who have done really complex fun plans for where, like, the mortgage broker and I have come together and, like, written the whole thing. It just depends on how nitty gritty you wanna get to and what you wanna do. But, essentially, what your mate is saying is correct because an offset account so so you know how comp I just explained compounding.\n\nInterest kind of works a little bit the\n\nChannel 1: Give me give me\n\nChannel 0: same.\n\nChannel 1: one sec, sir.\n\nChannel 0: Right. You good?\n\nChannel 1: You alright? I'm good. Yeah. Yeah. If you need to go, Nickles say.\n\nSo Alrighty. Yeah. Only one of us have to hang around a load of truck. Okay. Do you know if the trucks Yes.\n\nThat's what I was just organized. The Roy calling Mark? Yeah. Okay. Should be here.\n\nShould be here the next call. They're sending a trailer or rigid? It's 12 and a half. Oh, okay. Yeah.\n\nYeah. Alright. No worries. Otherwise We're coming in tomorrow. I know we get here in.\n\nYeah. Okay. Alright. I just like to be here. Why don't Roy didn't say what's I'll give him a call.\n\nI don't know what time he wants me to start tomorrow. He gave me a surprise 02:00 start this morning, start at four for him. But When did he say say that? Last like, five five, 06:00 last night. Lucky I was still awake.\n\nYeah. Because when I was there, I was like, oh, okay. Because he doesn't tell me. Yeah. Yeah.\n\nI think he I think he was trying to surprise us all with that one. Just a little chuck him in the deep end, see what he does. Yeah. Yeah. I'll go I'll sort it out with Nick.\n\nBecause if they're gonna be here at two, then you really need to be in the thing. Before. But if you you're coming in at two to do the start? Yeah. I'll come in at two to get intake in.\n\nYeah. Then yeah. All good. See you tomorrow, Ted. Yeah.\n\nOkay. Alright. Where were we? You're also?\n\nChannel 0: Well, organized workplace. Anyway\n\nChannel 1: Is it?\n\nChannel 0: I don't know. Oh,\n\nChannel 1: No. Yeah. It's it's they do alright. We do alright here.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's logistics of it all. No. I I I get it. When you're beholden to, you know, other people arriving on time and wherever else and not having boys stand around, so it's like I I\n\nChannel 1: Yeah.\n\nChannel 0: get it.\n\nChannel 1: Yeah. That's it. I think\n\nChannel 0: Okay.\n\nChannel 1: it was yeah. Sorry. Carry on. Let's go.\n\nChannel 0: Okay. So your mate's not wrong in what they're saying. So like compounding a a debt like a mortgage, while they charge interest monthly so you know how when when you have a when you have a mortgage on a mortgage statement each month, you will basically make your payment, and the interest amount will be charged to the account. So your payment may be, like, say, a thousand dollars for the month, and\n\nChannel 1: Yeah.\n\nChannel 0: the interest calculated might be, say,\n\nChannel 1: But how\n\nChannel 0: three\n\nChannel 1: how\n\nChannel 0: 100\n\nChannel 1: much\n\nChannel 0: three\n\nChannel 1: interest\n\nChannel 0: $100.\n\nChannel 1: calculated depends goes down the more money you have in in your offset account. Is that sort\n\nChannel 0: Correct.\n\nChannel 1: of\n\nChannel 0: But\n\nChannel 1: right?\n\nChannel 0: the but\n\nChannel 1: So\n\nChannel 0: the interest is actually calculated daily. So each day, the more money you have in your offset each day benefits your mortgage because the offset basically says, well, I have this amount of money against my mortgage. So instead of my mortgage being, say, $500,000, it might be $499,000 because I have a thousand dollars in my offset. And then\n\nChannel 1: Yes.\n\nChannel 0: tomorrow, I might spend $200 on a new pair of shoes. So my mortgage tomorrow will be calculated off, say,\n\nChannel 1: Gotcha. Okay. So it's\n\nChannel 0: 200\n\nChannel 1: it's\n\nChannel 0: dollars less.\n\nChannel 1: calculated daily, but then I think it what charged\n\nChannel 0: Charged\n\nChannel 1: monthly\n\nChannel 0: monthly.\n\nChannel 1: or weekly?\n\nChannel 0: Yeah.\n\nChannel 1: Monthly. Yeah. Okay.\n\nChannel 0: Yeah. Monthly. So it's so what your\n\nChannel 1: Okay.\n\nChannel 0: mate's basically saying is if you can have a credit card where and you have to be strict with it, and this is why it doesn't work for all people because you have to be you you are you are you are beholden to your own strategy in this, is that you live on your credit card and you have to make sure that you sit down and you reconcile that credit card and pay everything off before you get charged interest on the credit card. Because the credit card interest is generally gonna be somewhere in the 20% vicinity.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So if you\n\nChannel 1: And that's that's gonna\n\nChannel 0: I guess,\n\nChannel 1: sting if it yeah.\n\nChannel 0: for lack of lack of a better phrase, if you screw yourself over and you don't sit down and reconcile it, you're gonna get hit with 20% interest when all you did was save yourself 6% interest over here. Now granted, 6% interest on a million dollar loan is is a fair whack\n\nChannel 1: Yeah.\n\nChannel 0: versus, you know, you got a couple grand sitting on a credit card at 20%. It it you know, the 6% that you saved every like, it's not much, but\n\nChannel 1: Yeah.\n\nChannel 0: you're not gonna have a thousand or you're gonna have you're not gonna have a million dollars sitting in an offset account. You're gonna a month's worth of wages sitting in an\n\nChannel 1: Yep.\n\nChannel 0: offset account. So you have, you\n\nChannel 1: Yep.\n\nChannel 0: know, a few thousand dollars sitting in offset account. So you are going to you were gonna hit yourself hard if you don't do it right. So it's just about being really strict and making sure that you basically sit down in life admin properly.\n\nChannel 1: Yep.\n\nChannel 0: And, generally, I recommend my clients sit down and they have a day that they sit down every single week and they reconcile their their credit card\n\nChannel 1: Okay.\n\nChannel 0: every single week. And what you do is you don't live outside your means. So while your credit card might be, say, a $10 credit card, if you only get paid thousand dollars a week\n\nChannel 1: Yeah.\n\nChannel 0: I'm\n\nChannel 1: You\n\nChannel 0: sticking\n\nChannel 1: don't wanna\n\nChannel 0: with round\n\nChannel 1: be\n\nChannel 0: figures.\n\nChannel 1: spending $2\n\nChannel 0: Yep.\n\nChannel 1: a week. Yeah. Gotcha.\n\nChannel 0: Correct. You don't live outside your means. Because otherwise,\n\nChannel 1: Yep.\n\nChannel 0: all\n\nChannel 1: Yep.\n\nChannel 0: you're doing is racking up debt over there, and you're not doing what you need to do.\n\nChannel 1: Yep.\n\nChannel 0: So it is\n\nChannel 1: Yep.\n\nChannel 0: about being very strict. Generally, if we get a credit card, it's something that I would only recommend you get, like, a $22.5 credit card that basically sits within your income realm. So that way, you\n\nChannel 1: Yep.\n\nChannel 0: can never really spend more than you've earned anyway.\n\nChannel 1: Yeah.\n\nChannel 0: But, theoretically, you could because you could wipe out your income and then still rack up $2.5 on the credit card. And I have had people do that. So it it does it does does definitely does work. The math behind is a little bit convoluted without knowing what the mortgage is and everything else, but it\n\nChannel 1: Yeah.\n\nChannel 0: definitely it definitely does work on on the fact that, you know, over the life of the loan, the more you're putting in the in the offset account and how you are actually running it does actually help you to decrease everything. But it's just about being really strict with reconciling and paying off the credit card before the month. And that's the biggest thing. It has to happen before the month's end.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So it's just dependent on you have to know the product. You have to really know your your credit card product before you can kind of go that way. And those that product\n\nChannel 1: Okay.\n\nChannel 0: like, the credit card and the mortgage account is something that I would bring a broker in to actually help us with. And then sitting down and actually\n\nChannel 1: Okay.\n\nChannel 0: getting a game plan is what you and I would do. We would sit down,\n\nChannel 1: Okay.\n\nChannel 0: get a game plan, and go, cool. Now that we've done this, how are we actually gonna make sure that we hit this target? How we make sure that we do this? What are\n\nChannel 1: Okay.\n\nChannel 0: you gonna do within your life to do these things? And I kind of life coach a little bit, I guess.\n\nChannel 1: Okay.\n\nChannel 0: So many\n\nChannel 1: Alright.\n\nChannel 0: hats.\n\nChannel 1: That's been so so you alright. Well, that's sensational. It's good to know that you're because I think probably within the next year, year and a half, I'd sort of would really like to make moves towards buying a property or something if I can.\n\nChannel 0: Yep.\n\nChannel 1: So I'm just gonna, yeah, save as much as I can over the next, like, year and a half just sort of see. But, yeah, it's it's do do you guys do you know if that, like, comes with the, like, the package of being with you? Or do you do we pay extra for to speak talk to advisers and stuff like that? Or\n\nChannel 0: No.\n\nChannel 1: is it would it be you that\n\nChannel 0: That's\n\nChannel 1: I talk to? Or\n\nChannel 0: yeah. You can talk to me. You can talk to any\n\nChannel 1: oh,\n\nChannel 0: of my\n\nChannel 1: sweet.\n\nChannel 0: any any of my advisers as soon\n\nChannel 1: Oh, that's\n\nChannel 0: as\n\nChannel 1: good.\n\nChannel 0: you're\n\nChannel 1: I like talking to you, so that's that works\n\nChannel 0: Oh, thanks. Yeah. Yeah. So\n\nChannel 1: out.\n\nChannel 0: yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. We would just we would just schedule an appointment. You would just call up and say, hey. I'm ready to go. One of the things I can do, if you wanna kind of have a bit of a foresight, and it's something I generally recommend, but it does take some input from you, is I can preconnect you with my broker.\n\nAnd what\n\nChannel 1: Okay.\n\nChannel 0: my broker can do is kind of just get you mentally in the position of if you wanna purchase a house that is blah dollar figure, you need to have blah saved.\n\nChannel 1: Yeah.\n\nChannel 0: And what\n\nChannel 1: Alright.\n\nChannel 0: does that look\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: like for\n\nChannel 1: That that'd be brilliant. I'd I would love to\n\nChannel 0: you?\n\nChannel 1: for that something like that to be organized. That'd be great.\n\nChannel 0: Cool. Alright. Are you happy for me to send your details to them? So what I'll do is I'll basically send\n\nChannel 1: Yeah.\n\nChannel 0: them, like, a summary of where you stand right now\n\nChannel 1: Yep.\n\nChannel 0: and your contact details. They can reach\n\nChannel 1: Yep.\n\nChannel 0: out to you and go from there. I will let them\n\nChannel 1: Just\n\nChannel 0: know that after twelve before two is best.\n\nChannel 1: yeah. And just let them know, if you don't mind as well, that if they do call and don't answer, just to leave a message or something. Because I I\n\nChannel 0: Yep.\n\nChannel 1: do, for some reason, get, like, a lot of spam. So if it's not a number that I recognize, I'll I'll usually, like, leave it and then wait to see if they leave a message or text.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Because I know if it's important, they'll they'll message you. I might have just missed it or something. And if I\n\nChannel 0: Yeah.\n\nChannel 1: if they've left a message, I'll see it and make sure I call them back because\n\nChannel 0: This is why I always\n\nChannel 1: yeah.\n\nChannel 0: call twice because sometimes you miss the first call and,\n\nChannel 1: That's\n\nChannel 0: again,\n\nChannel 1: right.\n\nChannel 0: it's important\n\nChannel 1: Sometimes\n\nChannel 0: they'll ring again.\n\nChannel 1: you're sprinting out from the toilet. You're still pulling your pants out, and you get to the phone and the last ring goes, yeah. No.\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: Just ran through\n\nChannel 0: All\n\nChannel 1: the house,\n\nChannel 0: the\n\nChannel 1: butt\n\nChannel 0: time.\n\nChannel 1: naked for nothing. No.\n\nChannel 0: Oh,\n\nChannel 1: Kidding.\n\nChannel 0: no. Too many times. I\n\nChannel 1: It's\n\nChannel 0: have done it too many times. I am right\n\nChannel 1: really\n\nChannel 0: there\n\nChannel 1: nice.\n\nChannel 0: with you.\n\nChannel 1: Oh, okay. Alright.\n\nChannel 0: Yep.\n\nChannel 1: We're just being human too. All good.\n\nChannel 0: Yep. Yep. No. Cool. Well, what I'll do is I'll see for you in the in on the email so that way you're connected with the broker anyway, And they can kind of you can preconnect and they'll email you anyway.\n\nSo that way, if they don't connect,\n\nChannel 1: Yep.\n\nChannel 0: the email's there and all that kind of stuff.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfection. Alright. Well, I'll get that all sent off and go from there. And let me have a look and actually make sure.\n\nDid you do the same? Oh, you signed it.\n\nChannel 1: Sensational.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: fantastic.\n\nChannel 1: Hold on. You?\n\nChannel 0: Perfect. Oh, yeah. Put a dot or an exit, Larissa said. Yeah. Fair enough.\n\nChannel 1: Excellent.\n\nChannel 0: Cool. Well, I will let you go so that way you can clock off, go home, and probably grab a nap before you have to get up at 2AM to be at work.\n\nChannel 1: Yes. Go home, nap, then dinner, and then nap again, and then, yeah, work. Let's go. Thank you so much for your time, mate. I appreciate you explaining that stuff for me and going going through all of that.\n\nLooking forward to getting in touch with your broker and yeah. You have yourself\n\nChannel 0: I'll\n\nChannel 1: a lovely\n\nChannel 0: do it. Yeah. I'll try. No. I will.\n\nChannel 1: day. Yeah. You will. You will. But you're in Sydney, aren't you?\n\nChannel 0: No.\n\nChannel 1: That's where you guys\n\nChannel 0: Gold\n\nChannel 1: are?\n\nChannel 0: Coast. Gold\n\nChannel 1: Oh,\n\nChannel 0: Coast.\n\nChannel 1: you're on the Gold Coast. Whereabouts?\n\nChannel 0: Southport.\n\nChannel 1: Oh, Southport. Okay. My mom's down in Tweed Heads. Yeah. Okay.\n\nChannel 0: Oh, she's a stone throwaway.\n\nChannel 1: Yeah. Just down the road. Oh, it's it's\n\nChannel 0: Yeah.\n\nChannel 1: lovely down there. No. Good hang up. You live\n\nChannel 0: Absolutely.\n\nChannel 1: down there too? Like, Southport or near?\n\nChannel 0: I'm I'm a little bit north, so I'm quite, like,\n\nChannel 1: Oh,\n\nChannel 0: up\n\nChannel 1: okay.\n\nChannel 0: to towards Brisbane. Not\n\nChannel 1: Still\n\nChannel 0: not\n\nChannel 1: on\n\nChannel 0: Brisbane,\n\nChannel 1: that coastal\n\nChannel 0: but\n\nChannel 1: coastal area?\n\nChannel 0: still yeah. Still the coast, but\n\nChannel 1: Yeah.\n\nChannel 0: not not not central.\n\nChannel 1: Nice. Not central. Nice, Barry. Nice. Oh, yeah.\n\nYou have yourself enjoy the rest of your RV, and I will catch you shit. Next time won't be till when's the next thing? Usually, what do we do? These six monthly or they want yearly things or something?\n\nChannel 0: It's up to you. We can keep it three to six months if you want.\n\nChannel 1: What do\n\nChannel 0: So\n\nChannel 1: we\n\nChannel 0: I\n\nChannel 1: got\n\nChannel 0: can\n\nChannel 1: around\n\nChannel 0: I can\n\nChannel 1: at the moment?\n\nChannel 0: at the moment, you\n\nChannel 1: What\n\nChannel 0: have yearly as a preference?\n\nChannel 1: yearly.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: he\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: mean,\n\nChannel 0: we\n\nChannel 1: we\n\nChannel 0: can\n\nChannel 1: we we\n\nChannel 0: tape\n\nChannel 1: wanna\n\nChannel 0: it?\n\nChannel 1: go six months. Yeah.\n\nChannel 0: Yeah. Six months, and I'll touch base with you again, and we can swing in from there.\n\nChannel 1: Sweet.\n\nChannel 0: Amazing. Alright. Well, I will get my team to touch base with you in that in that time frame. Otherwise, I'll be involved with the broker side of things anyway, so I'll get updates on that front.\n\nChannel 1: Yep. Okay.\n\nChannel 0: I'll be able to slap you over the back\n\nChannel 1: It's\n\nChannel 0: of the wrist if you don't end up reaching out and doing\n\nChannel 1: it's\n\nChannel 0: the\n\nChannel 1: it's\n\nChannel 0: things.\n\nChannel 1: it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it Need a little bit of that. No. That'd\n\nChannel 0: Right?\n\nChannel 1: be excellent. Yeah. You're looking after us well.\n\nChannel 0: Perfect. Well, you go get a naps, get some food, do your things, and enjoy the rest of your day, night\n\nChannel 1: Yeah.\n\nChannel 0: thing.\n\nChannel 1: We'll go with that.\n\nChannel 0: Yep.\n\nChannel 1: Good afternoon.\n\nChannel 0: I'll talk talk to you later, Sam.\n\nChannel 1: Bye. See you later as well. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.04901667311787605}],"sentiment":"neutral","sentiment_score":0.04901667311787605,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Hi, Sam.","start":2.8,"end":3.76,"sentiment":"neutral","sentiment_score":0.21991492062807083},{"text":"Larissa, Oaktree Financial.","start":3.76,"end":5.04,"sentiment":"neutral","sentiment_score":0.20282646516958872},{"text":"How are you going?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.28813130408525467}],"sentiment":"neutral","sentiment_score":0.24453716145621407,"channel":0,"num_words":9,"start":2.8,"end":5.8599997},{"sentences":[{"text":"Yeah.","start":6.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.22821348905563352},{"text":"Yeah.","start":6.3199997,"end":6.56,"sentiment":"positive","sentiment_score":0.3651916980743408},{"text":"Good.","start":6.56,"end":6.7999997,"sentiment":"positive","sentiment_score":0.6624022722244263},{"text":"Thanks, mate.","start":6.7999997,"end":7.54,"sentiment":"positive","sentiment_score":0.7252895534038544}],"sentiment":"positive","sentiment_score":0.5412773132324219,"channel":1,"num_words":5,"start":6.08,"end":7.54},{"sentences":[{"text":"That's","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.5335401296615601}],"sentiment":"positive","sentiment_score":0.5335401296615601,"channel":0,"num_words":1,"start":8.24,"end":8.639999},{"sentences":[{"text":"Tuesday.","start":8.48,"end":8.98,"sentiment":"positive","sentiment_score":0.4750670790672302}],"sentiment":"positive","sentiment_score":0.4750670790672302,"channel":1,"num_words":1,"start":8.48,"end":8.98},{"sentences":[{"text":"good.","start":8.639999,"end":9.139999,"sentiment":"positive","sentiment_score":0.4348829388618469}],"sentiment":"positive","sentiment_score":0.4348829388618469,"channel":0,"num_words":1,"start":8.639999,"end":9.139999},{"sentences":[{"text":"Did we say Tuesday at midday?","start":9.28,"end":10.639999,"sentiment":"neutral","sentiment_score":0.09867840881148975},{"text":"I think we did.","start":10.639999,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.08052261918783188},{"text":"My","start":11.5199995,"end":12.0,"sentiment":"neutral","sentiment_score":-0.0975729078054428}],"sentiment":"neutral","sentiment_score":0.07423527471043846,"channel":1,"num_words":11,"start":9.28,"end":12.0},{"sentences":[{"text":"Yep.","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":-0.0848318338394165}],"sentiment":"neutral","sentiment_score":-0.0848318338394165,"channel":0,"num_words":1,"start":11.92,"end":12.42},{"sentences":[{"text":"my calendar doesn't tell me about anything anymore.","start":12.0,"end":14.259999,"sentiment":"neutral","sentiment_score":-0.2406695019453764},{"text":"It's in there, but it just it doesn't go, hey.","start":15.155001,"end":17.575,"sentiment":"neutral","sentiment_score":-0.19634176418185234},{"text":"Reminder.","start":17.795,"end":18.295,"sentiment":"neutral","sentiment_score":-0.062107160687446594}],"sentiment":"neutral","sentiment_score":-0.2079410956878411,"channel":1,"num_words":19,"start":12.0,"end":18.295},{"sentences":[{"text":"Yeah.","start":18.705,"end":19.025,"sentiment":"neutral","sentiment_score":-0.018919330090284348},{"text":"Hi.","start":19.025,"end":19.185,"sentiment":"neutral","sentiment_score":-0.0037139402702450752},{"text":"There's a thing happening.","start":19.185,"end":20.325,"sentiment":"neutral","sentiment_score":-0.018578511895611882}],"sentiment":"neutral","sentiment_score":-0.01615788632382949,"channel":0,"num_words":6,"start":18.705,"end":20.325},{"sentences":[{"text":"Yeah.","start":20.595001,"end":20.915,"sentiment":"neutral","sentiment_score":0.03521092236042023},{"text":"That's right.","start":20.915,"end":21.655,"sentiment":"neutral","sentiment_score":0.08019163087010384},{"text":"This was our catch up from was it last Friday or Friday Friday","start":24.195,"end":29.1,"sentiment":"neutral","sentiment_score":0.03220246882679371}],"sentiment":"neutral","sentiment_score":0.03838914242805913,"channel":1,"num_words":16,"start":20.595001,"end":29.1},{"sentences":[{"text":"Yeah.","start":28.86,"end":29.36,"sentiment":"neutral","sentiment_score":0.015657108277082443}],"sentiment":"neutral","sentiment_score":0.015657108277082443,"channel":0,"num_words":1,"start":28.86,"end":29.36},{"sentences":[{"text":"before, I think?","start":29.1,"end":30.0,"sentiment":"neutral","sentiment_score":0.013966519696017107}],"sentiment":"neutral","sentiment_score":0.013966519696017107,"channel":1,"num_words":3,"start":29.1,"end":30.0},{"sentences":[{"text":"Yep.","start":30.060001,"end":30.54,"sentiment":"neutral","sentiment_score":0.019954349845647812},{"text":"From from couple weeks ago.","start":30.54,"end":32.3,"sentiment":"neutral","sentiment_score":0.006923091411590576},{"text":"Yep.","start":32.3,"end":32.8,"sentiment":"neutral","sentiment_score":0.032760895788669586}],"sentiment":"neutral","sentiment_score":0.012475814670324326,"channel":0,"num_words":7,"start":30.060001,"end":32.8},{"sentences":[{"text":"Yeah.","start":32.86,"end":33.1,"sentiment":"neutral","sentiment_score":0.04293309152126312},{"text":"Yeah.","start":33.1,"end":33.260002,"sentiment":"neutral","sentiment_score":0.047083623707294464},{"text":"Yeah.","start":33.260002,"end":33.420002,"sentiment":"neutral","sentiment_score":0.050952084362506866},{"text":"Yeah.","start":33.420002,"end":33.920002,"sentiment":"neutral","sentiment_score":0.06151767075061798}],"sentiment":"neutral","sentiment_score":0.05062161758542061,"channel":1,"num_words":4,"start":32.86,"end":33.920002},{"sentences":[{"text":"We're both all over it.","start":37.1,"end":38.4,"sentiment":"neutral","sentiment_score":0.07845362424850463}],"sentiment":"neutral","sentiment_score":0.07845362424850463,"channel":0,"num_words":5,"start":37.1,"end":38.4},{"sentences":[{"text":"Yeah.","start":38.54,"end":38.58,"sentiment":"neutral","sentiment_score":0.06296827644109726},{"text":"Yeah.","start":38.58,"end":38.62,"sentiment":"neutral","sentiment_score":0.05504920333623886},{"text":"Yeah.","start":38.62,"end":38.78,"sentiment":"neutral","sentiment_score":0.03431253507733345},{"text":"No.","start":38.78,"end":39.02,"sentiment":"neutral","sentiment_score":-0.020363949239254},{"text":"That's alright.","start":39.02,"end":39.675,"sentiment":"neutral","sentiment_score":0.05722083896398544}],"sentiment":"neutral","sentiment_score":0.04106795725723108,"channel":1,"num_words":6,"start":38.54,"end":39.675},{"sentences":[{"text":"I just I just you just need me to sign","start":39.835,"end":41.695,"sentiment":"neutral","sentiment_score":0.04857767298817635}],"sentiment":"neutral","sentiment_score":0.04857767298817635,"channel":1,"num_words":10,"start":39.835,"end":41.695},{"sentences":[{"text":"I","start":43.135002,"end":43.215,"sentiment":"neutral","sentiment_score":0.019056886434555057}],"sentiment":"neutral","sentiment_score":0.019056886434555057,"channel":0,"num_words":1,"start":43.135002,"end":43.215},{"sentences":[{"text":"something,","start":43.515,"end":44.015,"sentiment":"neutral","sentiment_score":0.029452692717313766}],"sentiment":"neutral","sentiment_score":0.029452692717313766,"channel":1,"num_words":1,"start":43.515,"end":44.015},{"sentences":[{"text":"essentially, yes.","start":43.535,"end":44.895,"sentiment":"neutral","sentiment_score":0.021066445857286453},{"text":"But also, like, 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Financial discusses the retirement savings and tax implications of the investment with a customer named Larissa. They emphasize the importance of signing documents and being mindful of options for investment. The speaker advises clients to use a credit card to avoid overdraft fees and avoid sitting on a credit card with a balance of over $1,000. The goal is to make progress towards buying a property and get a broker to help with credit card payments. The agent will send a summary of their current situation and touch base with the customer's broker to provide updates on their situation."},"intents":{"segments":[{"text":"We can quickly oh, we can run through a bit now if you want, and then I'll Cool. just sign it all off. Perfect.","start_word":205,"end_word":228,"intents":[{"intent":"Run through documents","confidence_score":0.018525694}]},{"text":"Well, before I jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security, full name, date of birth, address, we can run through it.","start_word":229,"end_word":264,"intents":[{"intent":"Confirm security","confidence_score":0.019142017}]},{"text":"9 Colorado Drive, Springfield Lakes 4300, Queensland, Oh, fantastic.","start_word":269,"end_word":277,"intents":[{"intent":"Confirm address","confidence_score":0.058313258}]},{"text":"So it's it's, like, really nice easy Yep. scope of advice is basically limited to the underlying investments, changing those up.","start_word":280,"end_word":300,"intents":[{"intent":"Change investments","confidence_score":0.13582884}]},{"text":"I updated all the figures from the last document I did up, and then it's salary sacrifice contributions, looking at making $75 per week into the fund, and Oh, that's how right.","start_word":302,"end_word":333,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.0016054627},{"intent":"Discuss salary deduction","confidence_score":0.02678492}]},{"text":"I updated all the figures from the last document I did up, and then it's salary sacrifice contributions, looking at making $75 per week into the fund, and Oh, that's how right. that and how that triggers the tax implications for you, where what that's gonna mean in terms of what your taxable income turns into, what that means in terms of your contributions as well, and how that's gonna kinda play off.","start_word":302,"end_word":374,"intents":[{"intent":"Discuss contribution amount","confidence_score":0.00292919},{"intent":"Explain benefits of salary sacrifice contributions","confidence_score":0.0011012328}]},{"text":"that and how that triggers the tax implications for you, where what that's gonna mean in terms of what your taxable income turns into, what that means in terms of your contributions as well, and how that's gonna kinda play off.","start_word":333,"end_word":373,"intents":[{"intent":"Explain tax implications","confidence_score":0.0015578936},{"intent":"Explain tax implications","confidence_score":0.079093896}]},{"text":"Yeah.","start_word":592,"end_word":592,"intents":[{"intent":"Express gratitude","confidence_score":0.0048548616}]},{"text":"four into super, but minus two on on salary on net incomes. Oh, yeah.","start_word":670,"end_word":683,"intents":[{"intent":"Clarify income allocation","confidence_score":0.0015365637}]},{"text":"I'm just trying to work out what is this it's not letting me I hear about a multiline. Please sign below.","start_word":1082,"end_word":1102,"intents":[{"intent":"Address document concerns","confidence_score":0.000036431815}]},{"text":"The Roy calling Mark? Yeah.","start_word":1710,"end_word":1714,"intents":[{"intent":"Schedule call with roy","confidence_score":0.2684483}]},{"text":"So your mate's not wrong in what they're saying. So like compounding a a debt like a mortgage, while they charge interest monthly so you know how when when you have a when you have a mortgage on a mortgage statement each month, you will basically make your payment, and the interest amount will be charged to the account. So your payment may be, like, say, a thousand dollars for the month, and Yeah.","start_word":2008,"end_word":2081,"intents":[{"intent":"Explain payment strategy","confidence_score":0.015593527}]},{"text":"So like compounding a a debt like a mortgage, while they charge interest monthly so you know how when when you have a when you have a mortgage on a mortgage statement each month, you will basically make your payment, and the interest amount will be charged to the account. So your payment may be, like, say, a thousand dollars for the month, and Yeah.","start_word":2017,"end_word":2081,"intents":[{"intent":"Explain compounding","confidence_score":0.000043096752},{"intent":"Explain compounding debt","confidence_score":0.07870572},{"intent":"Explain amortization","confidence_score":0.027346618},{"intent":"Explain mortgage payment strategy","confidence_score":0.0070715244}]},{"text":"the interest calculated might be, say, But how three how 100 much three interest $100. calculated depends goes down the more money you have in in your offset account. Is that sort Correct.","start_word":2082,"end_word":2114,"intents":[{"intent":"Explain interest rate calculation","confidence_score":0.33587366},{"intent":"Explain interest rate calculation","confidence_score":0.13965805},{"intent":"Explain interest rate calculation","confidence_score":0.22696374},{"intent":"Explain interest rate calculations","confidence_score":0.008585985},{"intent":"Explain cost calculation","confidence_score":0.00052986987},{"intent":"Explain interest rate","confidence_score":0.18741907},{"intent":"Explain interest rate calculation","confidence_score":0.03966219}]},{"text":"mate's basically saying is if you can have a credit card where and you have to be strict with it, and this is why it doesn't work for all people because you have to be you you are you are you are beholden to your own strategy in this, is that you live on your credit card and you have to make sure that you sit down and you reconcile that credit card and pay everything off before you get charged interest on the credit card.","start_word":2236,"end_word":2321,"intents":[{"intent":"Clarify credit card balance","confidence_score":0.0058181197}]},{"text":"can never really spend more than you've earned anyway. Yeah.","start_word":2673,"end_word":2682,"intents":[{"intent":"Suggest avoiding excessive expenditure","confidence_score":0.000021526928}]},{"text":"But, theoretically, you could because you could wipe out your income and then still rack up $2.5 on the credit card.","start_word":2684,"end_word":2704,"intents":[{"intent":"Decrease income","confidence_score":0.019930791},{"intent":"Understand credit card process","confidence_score":0.0011640983},{"intent":"Help with credit card balance","confidence_score":0.0019274032}]},{"text":"getting a game plan is what you and I would do. We would sit down, Okay. get a game plan, and go, cool.","start_word":2879,"end_word":2901,"intents":[{"intent":"Get a game plan","confidence_score":0.0043209097}]},{"text":"It's good to know that you're because I think probably within the next year, year and a half, I'd sort of would really like to make moves towards buying a property or something if I can.","start_word":2965,"end_word":3000,"intents":[{"intent":"Make decisions towards purchasing a property","confidence_score":0.035133187}]},{"text":"We would just we would just schedule an appointment. You would just call up and say, hey. I'm ready to go. One of the things I can do, if you wanna kind of have a bit of a foresight, and it's something I generally recommend, but it does take some input from you, is I can preconnect you with my broker. And what Okay.","start_word":3125,"end_word":3188,"intents":[{"intent":"Schedule appointment","confidence_score":0.65712714}]},{"text":"Are you happy for me to send your details to them?","start_word":3255,"end_word":3265,"intents":[{"intent":"Provide information","confidence_score":0.09235298},{"intent":"Send details","confidence_score":0.56515247}]},{"text":"do, for some reason, get, like, a lot of spam. So if it's not a number that I recognize, I'll I'll usually, like, leave it and then wait to see if they leave a message or text.","start_word":3345,"end_word":3381,"intents":[{"intent":"Notify spammer","confidence_score":0.00026504174}]},{"text":"Well, I will let you go so that way you can clock off, go home, and probably grab a nap before you have to get up at 2AM to be at work.","start_word":3635,"end_word":3666,"intents":[{"intent":"Schedule meeting","confidence_score":0.003815776}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Sam. Larissa, Oaktree Financial. How are you going? Yeah.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.21284298598766327},{"text":"Yeah. Good. Thanks, mate. That's Tuesday. good.","start_word":11,"end_word":17,"sentiment":"positive","sentiment_score":0.5668923854827881},{"text":"Did we say Tuesday at midday? I think we did. My Yep. my calendar doesn't tell me about anything anymore. It's in there, but it just it doesn't go, hey. Reminder. Yeah. Hi. There's a thing happening. Yeah. That's right. This was our catch up from was it last Friday or Friday Yeah. Friday before, I think? Yep. From from couple weeks ago. Yep. Yeah. Yeah. Yeah. Yeah. We're both all over it. Yeah. Yeah. Yeah. No. That's alright. I just I just you just need me to sign I something, essentially, yes. But also, like, it don't would be nice to know that you know what I'm talking about, but you? yes. Because I I got this thing in, and then what what was I thinking when I well, I think I started to read it, That's good. You've started but reading I was it. I started reading I can't remember what I oh, I think I started reading it at work, and then I got distracted and then Yes. yeah. Pulled That's in that 13 that's thousand directions. that's the one. Mhmm. Okay. Oh, yeah. We can quickly oh, we can run through a bit now if you want, and then I'll Cool. just sign it all off.","start_word":18,"end_word":227,"sentiment":"neutral","sentiment_score":3.914290118700592e-6},{"text":"Perfect.","start_word":228,"end_word":228,"sentiment":"positive","sentiment_score":0.4754745960235596},{"text":"Well, before I jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security, full name, date of birth, address, we can run through it. Smitty t spark. 04/15/1988. 9 Colorado Drive, Springfield Lakes 4300, Queensland, Oh, fantastic. Australia.","start_word":229,"end_word":278,"sentiment":"neutral","sentiment_score":0.07221376150846481},{"text":"Cool. So it's it's, like, really nice easy Yep.","start_word":279,"end_word":287,"sentiment":"positive","sentiment_score":0.4165076613426209},{"text":"scope of advice is basically limited to the underlying investments, changing those up. I updated all the figures from the last document I did up, and then it's salary sacrifice contributions, looking at making $75 per week into the fund, and Oh, that's how right. that and how that triggers the tax implications for you, where what that's gonna mean in terms of what your taxable income turns into, what that means in terms of your contributions as well, and how that's gonna kinda play off. So there's what I would say is a beautiful table on page 14 that kind of outlines that, but it's Okay. basically I salary am. is a 100 and Page 14. Let me just see if I can keep up with you here. It is believe this is it. SOA, So statement of advice. yep. That one. There oh, no. That's the invite for the thing. Signature request. Here it is. Sign request. Do do do do. Sign documents. Alright. Well, it's on page 14. Yep. Okay. So Yep. it's, like, salary $10.05 current, no salary sacrifice proposed. By the time we're 75 each week, that's the the 3,900. Taxable income's gonna drop, obviously, by that 3,900, which means that your tax on your taxable income drops from the $42 to the $22.08, which means that your net income is dropping from basically $80 to $78 per annum, Yep. which means that your contributions are gonna be instead of the $12.60 flat that your employer currently pays, you have the additional salary sacrifice contributions there, which then flows on.","start_word":288,"end_word":552,"sentiment":"neutral","sentiment_score":0.020029411254064093},{"text":"So it means that we're gonna end up with more in our super fund. It means that we're going to end up with a little bit less tax paid on that side, and it balances out really nicely, actually.","start_word":553,"end_word":591,"sentiment":"positive","sentiment_score":0.5923882722854614},{"text":"Yeah. It's almost like I mean, quick math, but it's almost like a grand more than a grand Mhmm. difference, isn't it? Yep. Yeah. Yeah. One was, like, roughly around the four ish, and the other one was around the minus two k, but plus four on income, Yes. roughly. But Isn't I have the it nice? wrong way around. It But, is yeah, always you know what I mean. This split is I know. plus You're right. four into super, but minus two on on salary on net incomes. Oh, yeah. Yeah. Correct. Yeah. Yeah. Yeah. Oh, yeah.","start_word":592,"end_word":690,"sentiment":"neutral","sentiment_score":-0.018577482212673534},{"text":"Yeah. That's brilliant. It's just because of the because of the nice little tax savings because you're no longer paying your marginal tax rate, which is the 37% tax.","start_word":691,"end_word":719,"sentiment":"positive","sentiment_score":0.47759467363357544},{"text":"You're paying Yep. Yeah. Okay.","start_word":720,"end_word":724,"sentiment":"neutral","sentiment_score":0.1978400945663452},{"text":"Sounds good.","start_word":725,"end_word":726,"sentiment":"positive","sentiment_score":0.44464775919914246},{"text":"yeah. And then the investment's down on page 30 is it page 17? Sorry. I just updated those with the the the new figures where we're sitting. Same recommendations as last time, just updated it based on, Yeah. you know, current current position and where we're going from there. So all in all, same as what we discussed, just obviously incorporating the salary sacrifice positioning in and how that's gonna kind of play off in the long term. Yep. Because we're salary sacrificing, we're gonna obviously have a much better compound over the next ten years Mhmm. to the degree of nearly $200. That's crazy, isn't it?","start_word":727,"end_word":833,"sentiment":"neutral","sentiment_score":-0.02901208773255348},{"text":"Compounding failure.","start_word":834,"end_word":835,"sentiment":"negative","sentiment_score":-0.3616266250610352},{"text":"I still can't. Yeah. It's wrapped me at around out of that. But yeah. Well, it's That's awesome. so, like, put put a $100 in and it earns $5, you know, worth of interest over a month. The next month is a $105. And then, you know, you earn 5% interest on that, which is no longer $5. It's gonna be, say, Gotcha. a 100 it's gonna be $5.05, which turns you a $105 into a 1 hundred and ten dollars whatever and that 5<unk>. is. And then that compounds Right. at 5% and so on and so forth. And then twenty year or ten years, thirty years later, it's yeah.","start_word":836,"end_word":948,"sentiment":"neutral","sentiment_score":0.01736634224653244},{"text":"That's crazy.","start_word":948,"end_word":950,"sentiment":"negative","sentiment_score":-0.35048091411590576},{"text":"Well, yeah. Alright. Okay. Sensational. So all I need you to do, realistically, is sign the documents if you're happy to go ahead. And what that means is that my team will, a, get the investment swapped over, and then, b, send you a letter to for you to give your boss or payroll, Yep.","start_word":950,"end_word":1003,"sentiment":"neutral","sentiment_score":0.26806644164025784},{"text":"and they can trigger that Salsak arrangement for you through their Okay.","start_word":1004,"end_word":1015,"sentiment":"positive","sentiment_score":0.3859193921089173},{"text":"payroll system.","start_word":1016,"end_word":1017,"sentiment":"neutral","sentiment_score":0.3269253373146057},{"text":"I'll make it nice and easy, as simple as possible, generally.","start_word":1018,"end_word":1028,"sentiment":"positive","sentiment_score":0.64018315076828},{"text":"Sorry. We just got some work shenanigans down on here. Always Someone's work shenanigans. see you. Yeah. No. We're right at the very end of the day. I was was expecting to be done by now, but it was only me first week. So I was still sort of figuring out yeah. Me. I'm just trying to work out what is this it's not letting me I hear about a multiline. Please sign below. I did that. So there's a multiline bit. So on the SOA, if you're already up there. Sorry. There's where just above the signature, there's that, like, box. Just Yeah. put a put a dot or an x or something in it. It's if you don't wanna proceed with all of the advice, you could choose to, like, disregard. So if you turn around, wait, Larissa, thanks so much for doing it up, but I actually don't want to do the salary sacrifice because I've decided to do something else, then you could say you could basically reject that piece of advice. So it's just Oh, an okay. option for you to basically word in your own words what you wanna do, but otherwise, just put Oh, a dot in it, and it'll let I you move on. put something in there. Hello? Yeah. I have Yeah. actually You'll had probably a client. find it funny. If you if Yeah. you can see it, you'll find it funny. I'm sure I will. I think I literally put a dot or an x in there Nice. as in Yeah. those That's words.","start_word":1029,"end_word":1293,"sentiment":"neutral","sentiment_score":-0.06563497334718704},{"text":"perfect.","start_word":1294,"end_word":1294,"sentiment":"positive","sentiment_score":0.49036556482315063},{"text":"Put a dot or an x in here, Larissa said.","start_word":1295,"end_word":1304,"sentiment":"neutral","sentiment_score":0.11858121305704115},{"text":"I can't wait to say it. Okay. That's I believe that is fine. It's just waiting. It's just doing a little load.","start_word":1305,"end_word":1326,"sentiment":"positive","sentiment_score":0.5239198803901672},{"text":"Have a little sync still loading. Oh, And do then you guys do, Yes. like, other what am I trying to say? Other areas Like of invest. Other investments. yeah. Yeah. Or just sort of, like, someone I don't know if it's part of the package of being with you guys, but just talk to someone about sort of, like, you know, if I'm looking to buy a house, sort of, like, how that works, different ways to go about it, ways you can sort of, you know because I've I've had a mate talk to me about, you know, having an offset account and paying every all your bills and expenses Yep. and stuff off of credit card and keeping Mhmm. your offset account. They're like, yeah. All this stuff I don't really understand, but I wouldn't mind talking to someone about. Yeah. Absolutely. Not today. But do you guys do that sort of stuff? Yes. Yes. So it's when it comes to property advice, it it becomes a blend between financial advice and, like, and the mortgage broker. Brokers obviously set up all the accounts, Yep. and they choose the provider that you wanna go with. So, you know, whether it's Bank of Queensland or CommBank or NAB or whatever Yep. based on the loan rates and you as an individual and what that's gonna look like. Yeah. And then, yeah, like, I can advise on how to lifestyle that. But the mortgage broker can also kind of meld into that. I've had a couple of clients who have done really complex fun plans for where, like, the mortgage broker and I have come together and, like, written the whole thing. It just depends on how nitty gritty you wanna get to and what you wanna do. But, essentially, what your mate is saying is correct because an offset account so so you know how comp I just explained compounding. Interest kind of works a little bit the Give me give me same. one sec, sir. Right.","start_word":1327,"end_word":1665,"sentiment":"neutral","sentiment_score":0.046729135719899936},{"text":"You good?","start_word":1666,"end_word":1667,"sentiment":"positive","sentiment_score":0.38248810172080994},{"text":"You alright?","start_word":1668,"end_word":1669,"sentiment":"neutral","sentiment_score":0.3035682439804077},{"text":"I'm good.","start_word":1670,"end_word":1671,"sentiment":"positive","sentiment_score":0.5631549954414368},{"text":"Yeah. Yeah. If you need to go, Nickles say. So Alrighty. Yeah. Only one of us have to hang around a load of truck. Okay. Do you know if the trucks Yes. That's what I was just organized. The Roy calling Mark? Yeah. Okay. Should be here. Should be here the next call. They're sending a trailer or rigid? It's 12 and a half. Oh, okay. Yeah. Yeah. Alright. No worries. Otherwise We're coming in tomorrow. I know we get here in. Yeah. Okay. Alright. I just like to be here. Why don't Roy didn't say what's I'll give him a call. I don't know what time he wants me to start tomorrow. He gave me a surprise 02:00 start this morning, start at four for him. But When did he say say that? Last like, five five, 06:00 last night. Lucky I was still awake. Yeah. Because when I was there, I was like, oh, okay. Because he doesn't tell me. Yeah. Yeah. I think he I think he was trying to surprise us all with that one. Just a little chuck him in the deep end, see what he does. Yeah. Yeah. I'll go I'll sort it out with Nick. Because if they're gonna be here at two, then you really need to be in the thing. Before. But if you you're coming in at two to do the start? Yeah. I'll come in at two to get intake in. Yeah. Then yeah.","start_word":1672,"end_word":1916,"sentiment":"neutral","sentiment_score":0.011081202886998652},{"text":"All good. See you tomorrow, Ted.","start_word":1917,"end_word":1922,"sentiment":"positive","sentiment_score":0.35470178723335266},{"text":"Yeah. Okay. Alright. Where were we? You're also? Well, organized workplace. Anyway Is it? I don't know. Oh, No. Yeah. It's it's they do alright. We do alright here. yeah. Yeah. It's logistics of it all. No. I I I get it. When you're beholden to, you know, other people arriving on time and wherever else and not having boys stand around, so it's like I I Yeah. get it. Yeah. That's it. I think Okay. it was yeah. Sorry. Carry on. Let's go. Okay. So your mate's not wrong in what they're saying. So like compounding a a debt like a mortgage, while they charge interest monthly so you know how when when you have a when you have a mortgage on a mortgage statement each month, you will basically make your payment, and the interest amount will be charged to the account. So your payment may be, like, say, a thousand dollars for the month, and Yeah. the interest calculated might be, say, But how three how 100 much three interest $100. calculated depends goes down the more money you have in in your offset account. Is that sort Correct. of But right? the but So the interest is actually calculated daily. So each day, the more money you have in your offset each day benefits your mortgage because the offset basically says, well, I have this amount of money against my mortgage. So instead of my mortgage being, say, $500,000, it might be $499,000 because I have a thousand dollars in my offset. And then Yes. tomorrow, I might spend $200 on a new pair of shoes. So my mortgage tomorrow will be calculated off, say, Gotcha. Okay. So it's 200 it's dollars less. calculated daily, but then I think it what charged Charged monthly monthly. or weekly? Yeah. Monthly. Yeah. Okay. Yeah. Monthly. So it's so what your Okay. mate's basically saying is if you can have a credit card where and you have to be strict with it, and this is why it doesn't work for all people because you have to be you you are you are you are beholden to your own strategy in this, is that you live on your credit card and you have to make sure that you sit down and you reconcile that credit card and pay everything off before you get charged interest on the credit card. Because the credit card interest is generally gonna be somewhere in the 20% vicinity. Yeah. Yep. So if you And that's that's gonna I guess, sting if it yeah.","start_word":1923,"end_word":2350,"sentiment":"neutral","sentiment_score":0.008280342723303866},{"text":"for lack of lack of a better phrase, if you screw yourself over and you don't sit down and reconcile it, you're gonna get hit with 20% interest when all you did was save yourself 6% interest over here.","start_word":2351,"end_word":2389,"sentiment":"negative","sentiment_score":-0.4808120131492615},{"text":"Now granted, 6% interest on a million dollar loan is is a fair whack Yeah. versus, you know, you got a couple grand sitting on a credit card at 20%. It it you know, the 6% that you saved every like, it's not much, but Yeah. you're not gonna have a thousand or you're gonna have you're not gonna have a million dollars sitting in an offset account. You're gonna a month's worth of wages sitting in an Yep. offset account. So you have, you Yep. know, a few thousand dollars sitting in offset account.","start_word":2390,"end_word":2484,"sentiment":"neutral","sentiment_score":-0.1162799596786499},{"text":"So you are going to you were gonna hit yourself hard if you don't do it right.","start_word":2485,"end_word":2501,"sentiment":"negative","sentiment_score":-0.4564870595932007},{"text":"So it's just about being really strict and making sure that you basically sit down in life admin properly. Yep. And, generally, I recommend my clients sit down and they have a day that they sit down every single week and they reconcile their their credit card Okay. every single week. And what you do is you don't live outside your means. So while your credit card might be, say, a $10 credit card, if you only get paid thousand dollars a week Yeah. I'm You sticking don't wanna with round be figures. spending $2 Yep. a week. Yeah. Gotcha. Correct. You don't live outside your means. Because otherwise, Yep. all Yep.","start_word":2502,"end_word":2613,"sentiment":"neutral","sentiment_score":-0.05218984931707382},{"text":"you're doing is racking up debt over there, and you're not doing what you need to do.","start_word":2614,"end_word":2630,"sentiment":"negative","sentiment_score":-0.4257599711418152},{"text":"Yep. So it is Yep. about being very strict. Generally, if we get a credit card, it's something that I would only recommend you get, like, a $22.5 credit card that basically sits within your income realm. So that way, you Yep. can never really spend more than you've earned anyway. Yeah. But, theoretically, you could because you could wipe out your income and then still rack up $2.5 on the credit card. And I have had people do that.","start_word":2631,"end_word":2710,"sentiment":"neutral","sentiment_score":0.07075168043375016},{"text":"So it it does it does does definitely does work.","start_word":2711,"end_word":2720,"sentiment":"positive","sentiment_score":0.5792935490608215},{"text":"The math behind is a little bit convoluted without knowing what the mortgage is and everything else, but it Yeah. definitely it definitely does work on on the fact that, you know, over the life of the loan, the more you're putting in the in the offset account and how you are actually running it does actually help you to decrease everything. But it's just about being really strict with reconciling and paying off the credit card before the month. And that's the biggest thing. It has to happen before the month's end. Yep. Yep. So it's just dependent on you have to know the product. You have to really know your your credit card product before you can kind of go that way. And those that product Okay. like, the credit card and the mortgage account is something that I would bring a broker in to actually help us with. And then sitting down and actually Okay. getting a game plan is what you and I would do. We would sit down, Okay. get a game plan, and go, cool. Now that we've done this, how are we actually gonna make sure that we hit this target? How we make sure that we do this? What are Okay. you gonna do within your life to do these things? And I kind of life coach a little bit, I guess. Okay. So many Alright. hats. That's been so so you alright.","start_word":2721,"end_word":2961,"sentiment":"neutral","sentiment_score":0.10062293708324432},{"text":"Well, that's sensational. It's good to know that you're because I think probably within the next year, year and a half, I'd sort of would really like to make moves towards buying a property or something if I can.","start_word":2962,"end_word":3000,"sentiment":"positive","sentiment_score":0.4532310366630554},{"text":"Yep. So I'm just gonna, yeah, save as much as I can over the next, like, year and a half just sort of see. But, yeah, it's it's do do you guys do you know if that, like, comes with the, like, the package of being with you? Or do you do we pay extra for to speak talk to advisers and stuff like that? Or No. is it would it be you that That's I talk to? Or yeah. You can talk to me. You can talk to any oh, of my sweet. any any of my advisers as soon Oh, that's as good.","start_word":3001,"end_word":3105,"sentiment":"neutral","sentiment_score":0.141293547692753},{"text":"you're I like talking to you, so that's that works Oh, thanks.","start_word":3106,"end_word":3117,"sentiment":"positive","sentiment_score":0.4741084575653076},{"text":"Yeah. Yeah. So out. yeah. Okay. Yeah. We would just we would just schedule an appointment. You would just call up and say, hey. I'm ready to go. One of the things I can do, if you wanna kind of have a bit of a foresight, and it's something I generally recommend, but it does take some input from you, is I can preconnect you with my broker. And what Okay. my broker can do is kind of just get you mentally in the position of if you wanna purchase a house that is blah dollar figure, you need to have blah saved. Yeah. And what Alright. does that look Yeah. Yeah.","start_word":3118,"end_word":3229,"sentiment":"neutral","sentiment_score":0.15399838984012604},{"text":"like for That that'd be brilliant. I'd I would love to you? for that something like that to be organized. That'd be great. Cool.","start_word":3230,"end_word":3253,"sentiment":"positive","sentiment_score":0.5401430726051331},{"text":"Alright. Are you happy for me to send your details to them? So what I'll do is I'll basically send Yeah. them, like, a summary of where you stand right now Yep. and your contact details. They can reach Yep. out to you and go from there. I will let them Just know that after twelve before two is best. yeah. And just let them know, if you don't mind as well, that if they do call and don't answer, just to leave a message or something. Because I I Yep. do, for some reason, get, like, a lot of spam. So if it's not a number that I recognize, I'll I'll usually, like, leave it and then wait to see if they leave a message or text. Yep. Yep. Because I know if it's important, they'll they'll message you. I might have just missed it or something. And if I Yeah. if they've left a message, I'll see it and make sure I call them back because This is why I always yeah. call twice because sometimes you miss the first call and, That's again, right. it's important Sometimes they'll ring again. you're sprinting out from the toilet. You're still pulling your pants out, and you get to the phone and the last ring goes, yeah. No. Absolutely. Absolutely. Just ran through All the house, the butt time. naked for nothing. No. Oh, Kidding. no. Too many times. I have It's done it too many times. I am right really there with nice. you. Oh, okay. Alright. Yep. We're just being human too. All good. Yep. Yep. No. Cool. Well, what I'll do is I'll see for you in the in on the email so that way you're connected with the broker anyway, And they can kind of you can preconnect and they'll email you anyway. So that way, if they don't connect, Yep. the email's there and all that kind of stuff. Yep. Okay.","start_word":3254,"end_word":3579,"sentiment":"neutral","sentiment_score":0.024656039405545577},{"text":"Perfection.","start_word":3580,"end_word":3580,"sentiment":"positive","sentiment_score":0.4564452171325683},{"text":"Alright. Well, I'll get that all sent off and go from there. And let me have a look and actually make sure. Did you do the same? Oh, you signed it. Sensational. Oh, Yeah.","start_word":3581,"end_word":3614,"sentiment":"neutral","sentiment_score":0.11404908448457718},{"text":"fantastic.","start_word":3615,"end_word":3615,"sentiment":"positive","sentiment_score":0.34512436389923096},{"text":"Hold on. You? Perfect. Oh, yeah. Put a dot or an exit, Larissa said. Yeah. Fair enough.","start_word":3616,"end_word":3632,"sentiment":"neutral","sentiment_score":0.12496457993984222},{"text":"Excellent. Cool.","start_word":3633,"end_word":3634,"sentiment":"positive","sentiment_score":0.4241528809070587},{"text":"Well, I will let you go so that way you can clock off, go home, and probably grab a nap before you have to get up at 2AM to be at work. Yes. Go home, nap, then dinner, and then nap again, and then, yeah, work. Let's go.","start_word":3635,"end_word":3682,"sentiment":"neutral","sentiment_score":0.2311478555202484},{"text":"Thank you so much for your time, mate. I appreciate you explaining that stuff for me and going going through all of that. Looking forward to getting in touch with your broker and yeah. You have yourself I'll a lovely do it.","start_word":3683,"end_word":3724,"sentiment":"positive","sentiment_score":0.6890954375267029},{"text":"Yeah. I'll try. No. I will. day. Yeah. You will. You will. But you're in Sydney, aren't you? No. That's where you guys Gold are? Coast. Gold Oh, Coast. you're on the Gold Coast. Whereabouts? Southport. Oh, Southport. Okay. My mom's down in Tweed Heads. Yeah. Okay. Oh, she's a stone throwaway. Yeah. Just down the road. Oh, it's it's Yeah.","start_word":3725,"end_word":3785,"sentiment":"neutral","sentiment_score":0.020227655690863773},{"text":"lovely down there.","start_word":3786,"end_word":3788,"sentiment":"positive","sentiment_score":0.4863756000995636},{"text":"No. Good hang up. You live Absolutely. down there too? Like, Southport or near? I'm I'm a little bit north, so I'm quite, like, Oh, up okay. to towards Brisbane. Not Still not on Brisbane, that coastal but coastal area? still yeah. Still the coast, but Yeah. not not not central. Nice. Not central.","start_word":3789,"end_word":3842,"sentiment":"neutral","sentiment_score":0.018125256523489952},{"text":"Nice, Barry. Nice. Oh, yeah. You have yourself enjoy the rest of your RV, and I will catch you shit.","start_word":3843,"end_word":3862,"sentiment":"positive","sentiment_score":0.3800787329673767},{"text":"Next time won't be till when's the next thing? Usually, what do we do? These six monthly or they want yearly things or something? It's up to you. We can keep it three to six months if you want. What do So we I got can around I can at the moment? at the moment, you What have yearly as a preference? yearly. So Okay. he I can mean, we we can we we tape wanna it? go six months. Yeah. Yeah. Six months, and I'll touch base with you again, and we can swing in from there.","start_word":3863,"end_word":3960,"sentiment":"neutral","sentiment_score":0.032280899584293365},{"text":"Sweet. Amazing. Alright.","start_word":3961,"end_word":3963,"sentiment":"positive","sentiment_score":0.5882294774055481},{"text":"Well, I will get my team to touch base with you in that in that time frame. Otherwise, I'll be involved with the broker side of things anyway, so I'll get updates on that front. Yep. Okay. I'll be able to slap you over the back It's of the wrist if you don't end up reaching out and doing it's the it's things. it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it Need a little bit of that. No. That'd Right?","start_word":3964,"end_word":4064,"sentiment":"neutral","sentiment_score":0.09060209668656388},{"text":"be excellent. Yeah. You're looking after us well. Perfect. Well, you go get a naps, get some food, do your things, and enjoy the rest of your day, night Yeah.","start_word":4065,"end_word":4094,"sentiment":"positive","sentiment_score":0.5417291522026062},{"text":"thing.","start_word":4095,"end_word":4095,"sentiment":"neutral","sentiment_score":0.26171472668647766},{"text":"We'll go with that.","start_word":4096,"end_word":4099,"sentiment":"positive","sentiment_score":0.3765093088150024},{"text":"Yep.","start_word":4100,"end_word":4100,"sentiment":"neutral","sentiment_score":0.24726764857769012},{"text":"Good afternoon. I'll talk talk to you later, Sam.","start_word":4101,"end_word":4109,"sentiment":"positive","sentiment_score":0.3751868605613709},{"text":"Bye.","start_word":4110,"end_word":4110,"sentiment":"neutral","sentiment_score":0.2807735204696655},{"text":"See you later as well.","start_word":4111,"end_word":4115,"sentiment":"positive","sentiment_score":0.33473891019821167},{"text":"Bye. Bye.","start_word":4116,"end_word":4117,"sentiment":"neutral","sentiment_score":0.12966689467430115}],"average":{"sentiment":"neutral","sentiment_score":0.06256122914553885}}}}