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Just to get on with that one there, Joel, if I could pass you to security, that name, date of birth, and current address, we can get stuck into that today. Perfect. Thanks for that one. Now I had you scheduled in regarding sort of budgeting and saving potentially purchasing your first home. Is that correct? Yep. And then in regards to that one, Joel, is there sort of something that you're trying to implement or achieve or if you've started a budget? Yep. And and then with the budget both sides. Yep. And then with that one, your, like, your budget that you have at the moment, do you have that, like, in a a document? Is it just something you sort of do, like, just yeah. Okay. So I can send you the Oak View budget planner, and it's quite like a good tool. It's just an Excel document that you can utilize to be able to implement your sort of expenditures. Now I know you did have a few things like with the car and then the personal loan. If you managed to sort of keep track with those at least in regards to paying those down. Yep. Yep. Yep. And how much do you have in that currently? Yep. Yep. And then do you have an everyday spendings as well? Yep. Yep. And then as far as, like, your general savings, how much have you got in that one at the moment? Yep. No. Understandable. And in terms of, like, your you said your habits are quite bad at the moment. Do you set yourself aside an amount that you're trying to sort of use for discretionary spending each week, or is it just sort of here, there, everywhere? Yep. Yeah. Exactly. So that's generally sort of where the expenditure comes from. Obviously, you've still got your your car, which is an expense that's coming out. But apart from, like, obviously, you set aside money there in regards to, you know, the car, and then you do have a general savings account, something for your son, the house deposit. It just comes down to a bit of conviction in sort of what your spending habits look like and potentially for calling a few things. Now in regards to that, we can send you that that budget planner for you to be able to go through, fill out. And in that way, you can find out your bare minimum of, like, what you need to put aside for each sort of thing, and you can sort of change it around a little bit for the different accounts you hold and the different things you wanna do. And then you can see how much leftover and how much you're currently spending on your discretionary versus how much you should be putting towards, like, your house deposit. And then you've just gotta really sort of start sticking to those figures. So so I can send you that document. And then if you fill it out, you can sort of send it back, and then we can have a review of it and have a conversation about that as well. Not a problem. I'll book in a time next week because with that as well with your superannuation account, it was reviewing that one. And I know you had your interview at the end of last year, and it has taken quite a dip in regards to what's happened with the war and then also in regards to your managed fund, Benelon, you have quite a heavy portion to the actively managed account. Now back when you first came on board, you probably you know, you're still on the quite younger side of things to take on the active managed risk isn't an issue, but sort of having that much into the one active fund can when it does perform badly like Ben Long did with that underlying asset that was sort of deemed to not be reporting correctly has caused it to sort of take a bit of a downward skid in conjunction with the war as well. So we probably need to review that and sort of look at potentially changing that out of your portfolio as well, if that makes sense. Perfect. So today, I'll just update all your details so your fact finds up today. I'll send you out that budget planner, and I'll get you booked in a time next week that we can discuss that. So do afternoons normally work better or mornings work better for you? Yeah. I don't actually work Fridays at the moment just because I do longer days to catch people off to work generally. And you said you did okay. Not a problem. And then because of the time difference, it's still being around, would 10:00 work on next Wednesday? Yeah. So 09:00 for us, ten for you. Perfect. I'll chuck that in for a conversation there, and I'll get that budget planner sent out to you. So if you have a chance to go through it with your partner and fill that out and then send that back so we can have a review of it and then just sort of see where it goes. Because you're obviously on quite a a good income, and then sort of being on quite a nice income comes with the fact that your lifestyle tends to sort of creep up in terms of, like, your expenditures as well. So if you're looking to, yeah, cut back a little bit to try and save the house and things like that, it's important you sort of might have to make a couple of sacrifices that you may have gotten used to over the the last few years, which is a bit unfortunate. But then also, you gotta make a few sacrifices, especially with the housing market at the moment. Perfect. So I'll quickly go through and update everything. So I have here that you do have your your partner that you are engaged to. We don't have a name. Did you wanna check down her name, or you're happy leaving that blank? No. It's just it's just the spouse name. Yeah. Yep. And then last name for that one, just I think that's fine. And I've got your mother down as your next of kin contact. Is that still fine? Perfect. And two, just two kids at home there? Yep. And then as far as your occupation, I know you were the leading hand. Is that sort of changed at all, or is that largely the same? Yep. Any change to your duties at all or anything like that? Yep. So about 90 office then and about sort of 10% out on the floor? Not a problem. And how long have you been doing that leading hand supervisor role, if you don't mind me asking? I just don't have that there. And then industry wise, how long have you been in the industry? Yeah. Roughly for seven. Yeah. Perfect. And are you still in the one seventy mark at the moment with sort of overtime? Yep. And do you know what your base rate looks like? Okay. So the $1.70 is overtime plus allowances that your base is one thirty? 30. And then at the moment, I had you sort of you were trying to save roughly around the thousand of fortnight. Is that sort of still the same goal of what you're trying to get into, your savings or your your property sort of deposit? And you paid fortnightly, sir? Yeah. And as far as super is concerned, I know you were potentially looking at maybe starting some form of salary sacrifice. Is that on the back burner for the moment? Yep. No. Understandable. And then have you sort of had a thought about, like, the first time super scheme and potentially using your super for that and doing that process as well, or you just want to do it sort of outside that environment? Yep. Yeah. So yeah. So there's a a few different things when people sort of refer to property and then super. So first one there is everyone is like self made super just owning a house through that, but that means you can't actually utilize it because it's, like, an arm's length rule. So if you bought a property with your actual super balance, you wouldn't be able to actually use it for any personal uses because it's for your retirement. So the government sort of put that stipulation rule in place. The second is that first time super saver scheme. Now with that, it's, like, through additional contributions to superannuation, and you can do up to a certain amount each year up to a number of years that you can then draw down for your deposit. Now the risk of that is is if you didn't sort of purchase a house or withdraw the funds or you couldn't find a property, you can't just pull that money back out of super so it can lock it away, which is the risk with that one as opposed to, like, having a, like, house deposit just in a high interest savings account outside of that as well. But, yeah, if you did wanna sort of know a little bit more about the first time super savers scheme before we speak next week. You just type, like, basically, first time super saver scheme and just click on the ATO. I can even attach that in the link with the the email I'm gonna set up with the budget planner. And you can have a bit of a read through of the requirements what you can do for that. And then with the amount at the moment, it's, like, up to a maximum of 50,000, I believe, which given the current property market might not sort of even be enough to do the first sort of deposit if you're trying to get rid of, like, lenders mortgage insurance and things like that as well to reach that 20%. It could possibly be used in conjunction with, but then also carries the risk of the fact that if you're not using it for a home and decide to discontinue renting, then you sort of might have to leave it into in super if you don't ever go down the property purchase route. So that all comes down. Yeah. So that's to do with, like, your serviceability on a loan. Say if you're like you're only like, you've got your deposit, but you're only saving, you know, like, $500 a week, but your rent's nearly equivalent to your like, what a mortgage would be, they take that into consideration to how much money they'll lend you. Not so much in terms of, like, just going like, yeah. Yeah. So if you do, like, obviously pay a bit more in rent, obviously, if you move into a house with the personal primary house, you're not gonna be paying that rent. So that just helps, yeah, account for how much you can borrow and how much a bank's willing to lend you because of how much you're willing to pay off. And there's a few other details that should update there. So you've got your personal car worth around the 12. Is that sort of still about the same? Yep. And then the Kluger around the 43 mark with the bid on? Yep. And has that loan come down a little bit as well? So at around 23, does that come off a bit? Yep. I'll just knock a few. Off. Yeah. So it doesn't make much difference. And you've still got your tools in a motorbike currently? Yeah. I feel that I got my bike wheels done the other day, and it cost me an arm and a leg. They're definitely cheaper than a car these days. It used to go the other way where the bike's, you know, a lot cheaper, but it feels like everything on a bike now is four times the cost of what it is on a car to make up for the fact that there's only, you know, one or two of it. Yeah. Unfortunately, I'd made the mistake of buying as well as they have all specialty tools, so that makes it even harder to work on it yourself. So yeah. Not that it was a a crazy one, but in saying that, even the cheaper Ducatis when it comes to servicing them, they are not cheap. Yeah. Well, funnily enough, it was probably only 15 when I bought the the street legal one, but I swear every time I take it down there, it needs a few things that are gonna break the bank. But they're good fun. So no. And then with regards to your your son's account too, is that just in your name and you just put it aside for your son? Yeah. Okay. Because there are, like, investments that you can do, like investment bonds for your kids and stuff as well where it's basically much like having super you've got the funds invested. And then with a bond, because it's owned by the company, they actually pay a lower tax rate as to yourself. So, obviously, any interest earned on obviously, it's not a huge amount at the moment, but any interest earned on that thousand dollars, it basically adds to your income with the interest. And if you end up having, you know, quite a bit of money in there over the next sort of ten to fifteen sort of years, that interest on that can sort of, you know, get taxed at your your higher marginal tax rate as opposed to being in, like, an investment environment. That's sort of more beneficial. So instead of being taxed at, like, 37% plus, like, your Medicare, you can sort of get that down at least the company tax rate 30% as a minimum and then actually do things to be able to reduce taxes as well throughout the life of the bond. And if you hold it for ten years, the distribution becomes actually tax free to the holder. So you can, like, set that up for your child to continue to put your money into that investment. And even if you get to a point where you can't add to it anymore, you can still leave it. It remains invested into an investment option and account. And then when time times, yeah, they go past ten years, they can sort of draw down it for, like, first car, you know, education, things like that as well. Is that something you question? Yeah. So there's different investment options within that. You can do, like, a really sort of just base option and just do, like, a Vanguard investment, and that's sort of the, you know, that long term low cost passive index investing. You're not trying to outperform the market. You're just trying to track the market over the time you've got it invested because you're investing for that long period of time. Or you can go slightly more risky with the different sort of managed funds within the as underlying investments. But much like superannuation, the same sort of risk as having your money in super as to having it in one of those bonds. Like, they can go up and down with the markets as well. But in saying that, like, the cash rates is dependent on what the the banks have it at and the interest you're earning on it anyway. And as the cash, like, or interest rate comes down, obviously, that comes down. And as it goes up, it goes up. But then also inflation's generally at or nearly probably higher in recent years than what you're getting in interest anyway. So your money's kind of devaluing in terms of, like, your spending power anyway, just sitting in cash. Yeah. So with those investments, if you, like, it's not like a set term figure. It's just the bond itself, and the bond runs up until, like, the age of I can't remember the exact figure. It depends on the providers as well. But in saying that, you just hold the bond for as long as you want. If you take it out before the ten years, you've just gotta play all the applicable tax that's, like, this capital gains and things like that for the sell down of that, much like if you had any money invested outside of that anyway. But if you sort of even decide to open up an investment account on the side in your own name for your kid, same sort of thing, though, any capital gains and sort of interest earned or dividends still forms part of your individual tax return. But once in the bond environment, they deal with all that. And then it's not until you want the money that you have to worry about it. And if you hold it for the ten years, you get the benefit of it being a tax free distribution. Yeah. But if you did need the money early, you can just basically pull the bond and just pay all the applicable taxes associated with it to be able to access those funds. Yeah. Basically. And I'm pretty sure the yeah. The minimum, I think, is only, like, $50 a month. So across the two kids, it only works out to be, like, a $100 across that, which is, like, your $25 a week that you'd be putting towards those accounts if as, like, a minimum. So we can make that as a record So there's different providers for those. It is separate to, like, Hub twenty four. They have, like, IDPS accounts, but not investment bonds. So as part of the recommendation, there will obviously, we can review your budget plan, and next week can include some, like, cash flow budgeting type advice. And then we can look at the child bonds there in conjunction with that, and then just, like, an investment review as well just of your account and investments to ensure that if any changes need to be made, we can make those as well. But we can have a bit more of a conversation around the investment side of things and doing a risk profile next week when you've got the budget planning completed, and we can have a bit of a conversation around it. No problem. But as far as your insurance is concerned, you're pretty happy with your level of insurance cover and everything at the moment until such time you potentially, you know, purchase a house and things like that? Yeah. So with, obviously, the retail cover that's, like, for your lifetime, just the income protection, you can, like, even look at potentially trauma insurance. As far as, like, those other general insurances. We don't make recommendation on those, but you can obviously put those in conjunction with that to make sure you got yourself adequately protect protected. And like you said, if you have a home, generally, you've got some sort of, like, home end contents in the event anything did happen anyway. And income protection. That's all through through Clearview paid for you through your super at the moment. Yeah. Yeah. Six 100 70 three, yeah, of the life and TPD and as a monthly benefit around $7,198. Obviously, that's, like, pretax dollars, which you can sort of review as well as a part of that, like, when you do wanna review it to see if that still adequately meets your needs because you can cover up to, like, 70% of your income. And then given that, yeah. Exactly. And then if, like, the amount that you're covered for covers the bills and things like that, you don't have to do up to 70% of what your your income is, but you could increase that given how much you're taking home. I think it's sort of mainly was originally based probably more on your your base rate as opposed to, like, what's included with the overtime and your allowances and things like that anyway. Exactly. And then also, like you said, like, you don't want to be injured and you want to be sort of back at work, which is the the main thing there. And then also in conjunction with that, if you are injured, you're probably not going out and doing, like, your normal activities as well, so your expenses do come down a bit generally as well. Yeah. Probably your back pocket might thank you for it, but at least your weekends will be a bit bit more boring. So yeah. Yeah. Well, that's the thing. It's not for them, is it? The thing is too is that, like, you know, you'd be home on the weekend, then she'd be like, why don't you go out and do something? Then you're sitting on the couch. She'd be like, you made me sell my bike. So and then as far as yeah. That's a problem with having kids in that as well, isn't it? It's just like there's always something that can be spent on them as opposed to going out and buying a thousand north to $5,000 new bike. And then in regards to state planning there, have you managed to get around to drawing up a will with your partner and everything? Yep. Obviously, you do have the beneficiary nomination on your your accounts in regards to like, if anything happened with that. But, obviously, in regards to your assets outside of that, it forms part of your estate versus, like, your non estate super assets. Now the probably biggest thing with that is is, like, I'm assuming given your one of your kids doesn't stay with you, so you have a separate ex partner as well. Unfortunately, when things like that do happen, obviously, money brings out the worst in people, and you'd rather have it in a document than sort of whoever's left squabbling over what is left to to get their hands on. Not to say that everything probably, you know, is amicable or not, but, yeah, it's just more often than not even families that aren't sort of fighting or anything like that. There's still squabbles, after someone goes. Yeah. Exactly. No problem. We'll make a note of that as well just to something to be included just to give you a general reminder for wheels in The States, and we can also send you through some lawyer information of a locals listed just in regards to general pricing if you wanna have a look at that as well. Yep. And then I should mention to you, like, obviously, you do have access to the mortgage brokers here. Like you said, you're probably not in the process of looking just yet in terms of that, and you want to go see someone in person. So if you did wanna have a chat with someone just over the phone or things like that, we can refer you to one of the people that we've worked with as well. Not a problem. But is there anything else there that you wanted to have a discussion there about today there, Joel, before I let you go away with that and then come back next week? Yeah. Yeah. Completely understand. So, obviously, we'll have a a look at that and look at getting your advice updated and then also look at that cash flow by James. So you can potentially cut back a little bit to help sort of build that deposit up to sort of give you a chance to get into the market. Not a problem. If you do think of anything else, obviously, just, you know, write the questions down. We can have a discussion about it next week, but we'll go a bit more in-depth in regards to the investments and everything there and then sort of review that budget planner with you. No problem. Well, thanks for your time this morning, Joe, or this afternoon, I should say, for you, and I'll see you next week. Sounds good. Thank you. 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Joel. It's Kyle calling from OQ Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just scheduled in for a bit of a catch up. Perfect. Just to get on with that one there, Joel, if I could pass you to security, that name, date of birth, and current address, we can get stuck into that today. Perfect.\n\nThanks for that one. Now I had you scheduled in regarding sort of budgeting and saving potentially purchasing your first home. Is that correct? Yep. And then in regards to that one, Joel, is there sort of something that you're trying to implement or achieve or if you've started a budget?\n\nYep. And and then with the budget both sides. Yep. And then with that one, your, like, your budget that you have at the moment, do you have that, like, in a a document? Is it just something you sort of do, like, just yeah.\n\nOkay. So I can send you the Oak View budget planner, and it's quite like a good tool. It's just an Excel document that you can utilize to be able to implement your sort of expenditures. Now I know you did have a few things like with the car and then the personal loan. If you managed to sort of keep track with those at least in regards to paying those down.\n\nYep. Yep. Yep. And how much do you have in that currently? Yep.\n\nYep. And then do you have an everyday spendings as well? Yep. Yep. And then as far as, like, your general savings, how much have you got in that one at the moment?\n\nYep. No. Understandable. And in terms of, like, your you said your habits are quite bad at the moment. Do you set yourself aside an amount that you're trying to sort of use for discretionary spending each week, or is it just sort of here, there, everywhere?\n\nYep. Yeah. Exactly. So that's generally sort of where the expenditure comes from. Obviously, you've still got your your car, which is an expense that's coming out.\n\nBut apart from, like, obviously, you set aside money there in regards to, you know, the car, and then you do have a general savings account, something for your son, the house deposit. It just comes down to a bit of conviction in sort of what your spending habits look like and potentially for calling a few things. Now in regards to that, we can send you that that budget planner for you to be able to go through, fill out. And in that way, you can find out your bare minimum of, like, what you need to put aside for each sort of thing, and you can sort of change it around a little bit for the different accounts you hold and the different things you wanna do. And then you can see how much leftover and how much you're currently spending on your discretionary versus how much you should be putting towards, like, your house deposit.\n\nAnd then you've just gotta really sort of start sticking to those figures. So so I can send you that document. And then if you fill it out, you can sort of send it back, and then we can have a review of it and have a conversation about that as well. Not a problem. I'll book in a time next week because with that as well with your superannuation account, it was reviewing that one.\n\nAnd I know you had your interview at the end of last year, and it has taken quite a dip in regards to what's happened with the war and then also in regards to your managed fund, Benelon, you have quite a heavy portion to the actively managed account. Now back when you first came on board, you probably you know, you're still on the quite younger side of things to take on the active managed risk isn't an issue, but sort of having that much into the one active fund can when it does perform badly like Ben Long did with that underlying asset that was sort of deemed to not be reporting correctly has caused it to sort of take a bit of a downward skid in conjunction with the war as well. So we probably need to review that and sort of look at potentially changing that out of your portfolio as well, if that makes sense. Perfect. So today, I'll just update all your details so your fact finds up today.\n\nI'll send you out that budget planner, and I'll get you booked in a time next week that we can discuss that. So do afternoons normally work better or mornings work better for you? Yeah. I don't actually work Fridays at the moment just because I do longer days to catch people off to work generally. And you said you did okay.\n\nNot a problem. And then because of the time difference, it's still being around, would 10:00 work on next Wednesday? Yeah. So 09:00 for us, ten for you. Perfect.\n\nI'll chuck that in for a conversation there, and I'll get that budget planner sent out to you. So if you have a chance to go through it with your partner and fill that out and then send that back so we can have a review of it and then just sort of see where it goes. Because you're obviously on quite a a good income, and then sort of being on quite a nice income comes with the fact that your lifestyle tends to sort of creep up in terms of, like, your expenditures as well. So if you're looking to, yeah, cut back a little bit to try and save the house and things like that, it's important you sort of might have to make a couple of sacrifices that you may have gotten used to over the the last few years, which is a bit unfortunate. But then also, you gotta make a few sacrifices, especially with the housing market at the moment.\n\nPerfect. So I'll quickly go through and update everything. So I have here that you do have your your partner that you are engaged to. We don't have a name. Did you wanna check down her name, or you're happy leaving that blank?\n\nNo. It's just it's just the spouse name. Yeah. Yep. And then last name for that one, just I think that's fine.\n\nAnd I've got your mother down as your next of kin contact. Is that still fine? Perfect. And two, just two kids at home there? Yep.\n\nAnd then as far as your occupation, I know you were the leading hand. Is that sort of changed at all, or is that largely the same? Yep. Any change to your duties at all or anything like that? Yep.\n\nSo about 90 office then and about sort of 10% out on the floor? Not a problem. And how long have you been doing that leading hand supervisor role, if you don't mind me asking? I just don't have that there. And then industry wise, how long have you been in the industry?\n\nYeah. Roughly for seven. Yeah. Perfect. And are you still in the one seventy mark at the moment with sort of overtime?\n\nYep. And do you know what your base rate looks like? Okay. So the $1.70 is overtime plus allowances that your base is one thirty? 30.\n\nAnd then at the moment, I had you sort of you were trying to save roughly around the thousand of fortnight. Is that sort of still the same goal of what you're trying to get into, your savings or your your property sort of deposit? And you paid fortnightly, sir? Yeah. And as far as super is concerned, I know you were potentially looking at maybe starting some form of salary sacrifice.\n\nIs that on the back burner for the moment? Yep. No. Understandable. And then have you sort of had a thought about, like, the first time super scheme and potentially using your super for that and doing that process as well, or you just want to do it sort of outside that environment?\n\nYep. Yeah. So yeah. So there's a a few different things when people sort of refer to property and then super. So first one there is everyone is like self made super just owning a house through that, but that means you can't actually utilize it because it's, like, an arm's length rule.\n\nSo if you bought a property with your actual super balance, you wouldn't be able to actually use it for any personal uses because it's for your retirement. So the government sort of put that stipulation rule in place. The second is that first time super saver scheme. Now with that, it's, like, through additional contributions to superannuation, and you can do up to a certain amount each year up to a number of years that you can then draw down for your deposit. Now the risk of that is is if you didn't sort of purchase a house or withdraw the funds or you couldn't find a property, you can't just pull that money back out of super so it can lock it away, which is the risk with that one as opposed to, like, having a, like, house deposit just in a high interest savings account outside of that as well.\n\nBut, yeah, if you did wanna sort of know a little bit more about the first time super savers scheme before we speak next week. You just type, like, basically, first time super saver scheme and just click on the ATO. I can even attach that in the link with the the email I'm gonna set up with the budget planner. And you can have a bit of a read through of the requirements what you can do for that. And then with the amount at the moment, it's, like, up to a maximum of 50,000, I believe, which given the current property market might not sort of even be enough to do the first sort of deposit if you're trying to get rid of, like, lenders mortgage insurance and things like that as well to reach that 20%.\n\nIt could possibly be used in conjunction with, but then also carries the risk of the fact that if you're not using it for a home and decide to discontinue renting, then you sort of might have to leave it into in super if you don't ever go down the property purchase route. So that all comes down. Yeah. So that's to do with, like, your serviceability on a loan. Say if you're like you're only like, you've got your deposit, but you're only saving, you know, like, $500 a week, but your rent's nearly equivalent to your like, what a mortgage would be, they take that into consideration to how much money they'll lend you.\n\nNot so much in terms of, like, just going like, yeah. Yeah. So if you do, like, obviously pay a bit more in rent, obviously, if you move into a house with the personal primary house, you're not gonna be paying that rent. So that just helps, yeah, account for how much you can borrow and how much a bank's willing to lend you because of how much you're willing to pay off. And there's a few other details that should update there.\n\nSo you've got your personal car worth around the 12. Is that sort of still about the same? Yep. And then the Kluger around the 43 mark with the bid on? Yep.\n\nAnd has that loan come down a little bit as well? So at around 23, does that come off a bit? Yep. I'll just knock a few. Off.\n\nYeah. So it doesn't make much difference. And you've still got your tools in a motorbike currently? Yeah. I feel that I got my bike wheels done the other day, and it cost me an arm and a leg.\n\nThey're definitely cheaper than a car these days. It used to go the other way where the bike's, you know, a lot cheaper, but it feels like everything on a bike now is four times the cost of what it is on a car to make up for the fact that there's only, you know, one or two of it. Yeah. Unfortunately, I'd made the mistake of buying as well as they have all specialty tools, so that makes it even harder to work on it yourself. So yeah.\n\nNot that it was a a crazy one, but in saying that, even the cheaper Ducatis when it comes to servicing them, they are not cheap. Yeah. Well, funnily enough, it was probably only 15 when I bought the the street legal one, but I swear every time I take it down there, it needs a few things that are gonna break the bank. But they're good fun. So no.\n\nAnd then with regards to your your son's account too, is that just in your name and you just put it aside for your son? Yeah. Okay. Because there are, like, investments that you can do, like investment bonds for your kids and stuff as well where it's basically much like having super you've got the funds invested. And then with a bond, because it's owned by the company, they actually pay a lower tax rate as to yourself.\n\nSo, obviously, any interest earned on obviously, it's not a huge amount at the moment, but any interest earned on that thousand dollars, it basically adds to your income with the interest. And if you end up having, you know, quite a bit of money in there over the next sort of ten to fifteen sort of years, that interest on that can sort of, you know, get taxed at your your higher marginal tax rate as opposed to being in, like, an investment environment. That's sort of more beneficial. So instead of being taxed at, like, 37% plus, like, your Medicare, you can sort of get that down at least the company tax rate 30% as a minimum and then actually do things to be able to reduce taxes as well throughout the life of the bond. And if you hold it for ten years, the distribution becomes actually tax free to the holder.\n\nSo you can, like, set that up for your child to continue to put your money into that investment. And even if you get to a point where you can't add to it anymore, you can still leave it. It remains invested into an investment option and account. And then when time times, yeah, they go past ten years, they can sort of draw down it for, like, first car, you know, education, things like that as well. Is that something you question?\n\nYeah. So there's different investment options within that. You can do, like, a really sort of just base option and just do, like, a Vanguard investment, and that's sort of the, you know, that long term low cost passive index investing. You're not trying to outperform the market. You're just trying to track the market over the time you've got it invested because you're investing for that long period of time.\n\nOr you can go slightly more risky with the different sort of managed funds within the as underlying investments. But much like superannuation, the same sort of risk as having your money in super as to having it in one of those bonds. Like, they can go up and down with the markets as well. But in saying that, like, the cash rates is dependent on what the the banks have it at and the interest you're earning on it anyway. And as the cash, like, or interest rate comes down, obviously, that comes down.\n\nAnd as it goes up, it goes up. But then also inflation's generally at or nearly probably higher in recent years than what you're getting in interest anyway. So your money's kind of devaluing in terms of, like, your spending power anyway, just sitting in cash. Yeah. So with those investments, if you, like, it's not like a set term figure.\n\nIt's just the bond itself, and the bond runs up until, like, the age of I can't remember the exact figure. It depends on the providers as well. But in saying that, you just hold the bond for as long as you want. If you take it out before the ten years, you've just gotta play all the applicable tax that's, like, this capital gains and things like that for the sell down of that, much like if you had any money invested outside of that anyway. But if you sort of even decide to open up an investment account on the side in your own name for your kid, same sort of thing, though, any capital gains and sort of interest earned or dividends still forms part of your individual tax return.\n\nBut once in the bond environment, they deal with all that. And then it's not until you want the money that you have to worry about it. And if you hold it for the ten years, you get the benefit of it being a tax free distribution. Yeah. But if you did need the money early, you can just basically pull the bond and just pay all the applicable taxes associated with it to be able to access those funds.\n\nYeah. Basically. And I'm pretty sure the yeah. The minimum, I think, is only, like, $50 a month. So across the two kids, it only works out to be, like, a $100 across that, which is, like, your $25 a week that you'd be putting towards those accounts if as, like, a minimum.\n\nSo we can make that as a record So there's different providers for those. It is separate to, like, Hub twenty four. They have, like, IDPS accounts, but not investment bonds. So as part of the recommendation, there will obviously, we can review your budget plan, and next week can include some, like, cash flow budgeting type advice. And then we can look at the child bonds there in conjunction with that, and then just, like, an investment review as well just of your account and investments to ensure that if any changes need to be made, we can make those as well.\n\nBut we can have a bit more of a conversation around the investment side of things and doing a risk profile next week when you've got the budget planning completed, and we can have a bit of a conversation around it. No problem. But as far as your insurance is concerned, you're pretty happy with your level of insurance cover and everything at the moment until such time you potentially, you know, purchase a house and things like that? Yeah. So with, obviously, the retail cover that's, like, for your lifetime, just the income protection, you can, like, even look at potentially trauma insurance.\n\nAs far as, like, those other general insurances. We don't make recommendation on those, but you can obviously put those in conjunction with that to make sure you got yourself adequately protect protected. And like you said, if you have a home, generally, you've got some sort of, like, home end contents in the event anything did happen anyway. And income protection. That's all through through Clearview paid for you through your super at the moment.\n\nYeah. Yeah. Six 100 70 three, yeah, of the life and TPD and as a monthly benefit around $7,198. Obviously, that's, like, pretax dollars, which you can sort of review as well as a part of that, like, when you do wanna review it to see if that still adequately meets your needs because you can cover up to, like, 70% of your income. And then given that, yeah.\n\nExactly. And then if, like, the amount that you're covered for covers the bills and things like that, you don't have to do up to 70% of what your your income is, but you could increase that given how much you're taking home. I think it's sort of mainly was originally based probably more on your your base rate as opposed to, like, what's included with the overtime and your allowances and things like that anyway. Exactly. And then also, like you said, like, you don't want to be injured and you want to be sort of back at work, which is the the main thing there.\n\nAnd then also in conjunction with that, if you are injured, you're probably not going out and doing, like, your normal activities as well, so your expenses do come down a bit generally as well. Yeah. Probably your back pocket might thank you for it, but at least your weekends will be a bit bit more boring. So yeah. Yeah.\n\nWell, that's the thing. It's not for them, is it? The thing is too is that, like, you know, you'd be home on the weekend, then she'd be like, why don't you go out and do something? Then you're sitting on the couch. She'd be like, you made me sell my bike.\n\nSo and then as far as yeah. That's a problem with having kids in that as well, isn't it? It's just like there's always something that can be spent on them as opposed to going out and buying a thousand north to $5,000 new bike. And then in regards to state planning there, have you managed to get around to drawing up a will with your partner and everything? Yep.\n\nObviously, you do have the beneficiary nomination on your your accounts in regards to like, if anything happened with that. But, obviously, in regards to your assets outside of that, it forms part of your estate versus, like, your non estate super assets. Now the probably biggest thing with that is is, like, I'm assuming given your one of your kids doesn't stay with you, so you have a separate ex partner as well. Unfortunately, when things like that do happen, obviously, money brings out the worst in people, and you'd rather have it in a document than sort of whoever's left squabbling over what is left to to get their hands on. Not to say that everything probably, you know, is amicable or not, but, yeah, it's just more often than not even families that aren't sort of fighting or anything like that.\n\nThere's still squabbles, after someone goes. Yeah. Exactly. No problem. We'll make a note of that as well just to something to be included just to give you a general reminder for wheels in The States, and we can also send you through some lawyer information of a locals listed just in regards to general pricing if you wanna have a look at that as well.\n\nYep. And then I should mention to you, like, obviously, you do have access to the mortgage brokers here. Like you said, you're probably not in the process of looking just yet in terms of that, and you want to go see someone in person. So if you did wanna have a chat with someone just over the phone or things like that, we can refer you to one of the people that we've worked with as well. Not a problem.\n\nBut is there anything else there that you wanted to have a discussion there about today there, Joel, before I let you go away with that and then come back next week? Yeah. Yeah. Completely understand. So, obviously, we'll have a a look at that and look at getting your advice updated and then also look at that cash flow by James.\n\nSo you can potentially cut back a little bit to help sort of build that deposit up to sort of give you a chance to get into the market. Not a problem. If you do think of anything else, obviously, just, you know, write the questions down. We can have a discussion about it next week, but we'll go a bit more in-depth in regards to the investments and everything there and then sort of review that budget planner with you. No problem.\n\nWell, thanks for your time this morning, Joe, or this afternoon, I should say, for you, and I'll see you next week. Sounds good. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Joel.","start":3.9199998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.1383032649755478},{"text":"It's Kyle calling from OQ Financial.","start":4.3199997,"end":6.08,"sentiment":"neutral","sentiment_score":0.1687700276573499},{"text":"How are you today?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.18603413552045822},{"text":"Yeah.","start":8.639999,"end":9.12,"sentiment":"neutral","sentiment_score":0.16003254055976868},{"text":"Not too bad at all.","start":9.12,"end":9.92,"sentiment":"neutral","sentiment_score":0.23708173632621765}],"sentiment":"neutral","sentiment_score":0.18771135889821583,"num_words":18,"start":3.9199998,"end":9.92},{"sentences":[{"text":"Thanks for asking.","start":9.92,"end":10.48,"sentiment":"positive","sentiment_score":0.5391399065653483},{"text":"I just scheduled in for a bit of a catch up.","start":10.48,"end":12.015,"sentiment":"neutral","sentiment_score":0.18787211586128583},{"text":"Perfect.","start":14.495001,"end":14.995001,"sentiment":"positive","sentiment_score":0.414798766374588},{"text":"Just to get on with that one there, Joel, if I could pass you to security, that name, date of birth, and current address, we can get stuck into that today.","start":15.295,"end":21.075,"sentiment":"neutral","sentiment_score":0.240134431469825},{"text":"Perfect.","start":29.630001,"end":29.95,"sentiment":"neutral","sentiment_score":0.3095173239707947}],"sentiment":"neutral","sentiment_score":0.2521807757463861,"num_words":47,"start":9.92,"end":29.95},{"sentences":[{"text":"Thanks for that one.","start":29.95,"end":30.990002,"sentiment":"positive","sentiment_score":0.5998717695474625},{"text":"Now I had you scheduled in regarding sort of budgeting and saving potentially purchasing your first home.","start":30.990002,"end":37.71,"sentiment":"neutral","sentiment_score":0.14377159274676266},{"text":"Is that correct?","start":37.71,"end":38.565,"sentiment":"neutral","sentiment_score":0.03325131659706434},{"text":"Yep.","start":40.965,"end":41.465,"sentiment":"neutral","sentiment_score":0.057244762778282166},{"text":"And then in regards to that one, Joel, is there sort of something that you're trying to implement or achieve or if you've started a budget?","start":41.684998,"end":49.225,"sentiment":"neutral","sentiment_score":0.013184935320168734}],"sentiment":"neutral","sentiment_score":0.10477276834860152,"num_words":51,"start":29.95,"end":49.225},{"sentences":[{"text":"Yep.","start":70.915,"end":71.315,"sentiment":"neutral","sentiment_score":-0.03424176573753357},{"text":"And and then with the budget both sides.","start":71.315,"end":73.975,"sentiment":"neutral","sentiment_score":-0.05556589923799038},{"text":"Yep.","start":77.97,"end":78.45,"sentiment":"neutral","sentiment_score":-0.04273006319999695},{"text":"And then with that one, your, like, your budget that you have at the moment, do you have that, like, in a a document?","start":78.45,"end":83.33,"sentiment":"neutral","sentiment_score":-0.02358264398450653},{"text":"Is it just something you sort of do, like, just yeah.","start":83.33,"end":87.825,"sentiment":"neutral","sentiment_score":-0.013364535248415037}],"sentiment":"neutral","sentiment_score":-0.027433163693381682,"num_words":45,"start":70.915,"end":87.825},{"sentences":[{"text":"Okay.","start":87.825,"end":88.305,"sentiment":"neutral","sentiment_score":0.07930079102516174},{"text":"So I can send you the Oak View budget planner, and it's quite like a good tool.","start":88.305,"end":92.065,"sentiment":"neutral","sentiment_score":0.24083207503837697},{"text":"It's just an Excel document that you can utilize to be able to implement your sort of expenditures.","start":92.065,"end":97.445,"sentiment":"neutral","sentiment_score":0.16784073619378936},{"text":"Now I know you did have a few things like with the car and then the personal loan.","start":97.585,"end":101.869995,"sentiment":"neutral","sentiment_score":0.029484230300618544},{"text":"If you managed to sort of keep track with those at least in regards to paying those down.","start":101.869995,"end":106.53,"sentiment":"neutral","sentiment_score":0.04192419826156563}],"sentiment":"neutral","sentiment_score":0.11777681989284854,"num_words":72,"start":87.825,"end":106.53},{"sentences":[{"text":"Yep.","start":110.909996,"end":111.409996,"sentiment":"neutral","sentiment_score":0.08764871954917908},{"text":"Yep.","start":118.604996,"end":119.104996,"sentiment":"neutral","sentiment_score":0.3126331567764282},{"text":"Yep.","start":131.34,"end":131.5,"sentiment":"neutral","sentiment_score":0.09723226726055144},{"text":"And how much do you have in that currently?","start":131.5,"end":133.2,"sentiment":"neutral","sentiment_score":0.0659931827750471},{"text":"Yep.","start":136.14,"end":136.64,"sentiment":"neutral","sentiment_score":0.10066978633403778}],"sentiment":"neutral","sentiment_score":0.09170173653043233,"num_words":13,"start":110.909996,"end":136.64},{"sentences":[{"text":"Yep.","start":141.995,"end":142.39499,"sentiment":"neutral","sentiment_score":0.0696871429681778},{"text":"And then do you have an everyday spendings as well?","start":142.39499,"end":144.815,"sentiment":"neutral","sentiment_score":0.015190762653946876},{"text":"Yep.","start":177.72,"end":178.22,"sentiment":"neutral","sentiment_score":0.1034066379070282},{"text":"Yep.","start":190.055,"end":190.295,"sentiment":"neutral","sentiment_score":0.06766824424266815},{"text":"And then as far as, like, your general savings, how much have you got in that one at the moment?","start":190.295,"end":194.155,"sentiment":"neutral","sentiment_score":0.03485008850693703}],"sentiment":"neutral","sentiment_score":0.03302034611503283,"num_words":33,"start":141.995,"end":194.155},{"sentences":[{"text":"Yep.","start":201.67,"end":202.17,"sentiment":"neutral","sentiment_score":-0.04262872040271759},{"text":"No.","start":202.31,"end":202.62999,"sentiment":"neutral","sentiment_score":-0.1514788269996643},{"text":"Understandable.","start":202.62999,"end":203.12999,"sentiment":"neutral","sentiment_score":-0.15711137652397156},{"text":"And in terms of, like, your you said your habits are quite bad at the moment.","start":203.26999,"end":208.06999,"sentiment":"neutral","sentiment_score":-0.21148108690977097},{"text":"Do you set yourself aside an amount that you're trying to sort of use for discretionary spending each week, or is it just sort of here, there, everywhere?","start":208.06999,"end":215.955,"sentiment":"neutral","sentiment_score":-0.0626534830246653}],"sentiment":"neutral","sentiment_score":-0.11679178381219824,"num_words":47,"start":201.67,"end":215.955},{"sentences":[{"text":"Yep.","start":222.49501,"end":222.99,"sentiment":"neutral","sentiment_score":0.10233549773693083},{"text":"Yeah.","start":237.335,"end":237.835,"sentiment":"neutral","sentiment_score":0.06566612422466278},{"text":"Exactly.","start":238.29501,"end":238.79501,"sentiment":"neutral","sentiment_score":0.06835168600082397},{"text":"So that's generally sort of where the expenditure comes from.","start":238.85501,"end":241.895,"sentiment":"neutral","sentiment_score":0.026150035578757523},{"text":"Obviously, you've still got your your car, which is an expense that's coming out.","start":241.895,"end":245.175,"sentiment":"neutral","sentiment_score":-0.11453446047380567}],"sentiment":"neutral","sentiment_score":-0.04094921418086246,"num_words":27,"start":222.49501,"end":245.175},{"sentences":[{"text":"But apart from, like, obviously, you set aside money there in regards to, you know, the car, and then you do have a general savings account, something for your son, the house deposit.","start":245.175,"end":254.13,"sentiment":"neutral","sentiment_score":0.21090498024767096},{"text":"It just comes down to a bit of conviction in sort of what your spending habits look like and potentially for calling a few things.","start":254.13,"end":260.15,"sentiment":"neutral","sentiment_score":0.19735606610774994},{"text":"Now in regards to that, we can send you that that budget planner for you to be able to go through, fill out.","start":262.095,"end":268.035,"sentiment":"neutral","sentiment_score":0.2540654624285905},{"text":"And in that way, you can find out your bare minimum of, like, what you need to put aside for each sort of thing, and you can sort of change it around a little bit for the different accounts you hold and the different things you wanna do.","start":268.255,"end":278.05,"sentiment":"neutral","sentiment_score":0.2133943911952277},{"text":"And then you can see how much leftover and how much you're currently spending on your discretionary versus how much you should be putting towards, like, your house deposit.","start":278.05,"end":285.66998,"sentiment":"neutral","sentiment_score":0.17020912673966637}],"sentiment":"neutral","sentiment_score":0.20833080436421347,"num_words":158,"start":245.175,"end":285.66998},{"sentences":[{"text":"And then you've just gotta really sort of start sticking to those figures.","start":285.88998,"end":289.11,"sentiment":"neutral","sentiment_score":0.11829686336792432},{"text":"So so I can send you that document.","start":290.05,"end":293.685,"sentiment":"neutral","sentiment_score":0.33253760263323784},{"text":"And then if you fill it out, you can sort of send it back, and then we can have a review of it and have a conversation about that as well.","start":293.825,"end":299.845,"sentiment":"neutral","sentiment_score":0.3078427925225227},{"text":"Not a problem.","start":302.305,"end":303.125,"sentiment":"positive","sentiment_score":0.4094236095746358},{"text":"I'll book in a time next week because with that as well with your superannuation account, it was reviewing that one.","start":303.52,"end":310.5,"sentiment":"neutral","sentiment_score":0.30860730154173716}],"sentiment":"neutral","sentiment_score":0.282240931238783,"num_words":76,"start":285.88998,"end":310.5},{"sentences":[{"text":"And I know you had your interview at the end of last year, and it has taken quite a dip in regards to what's happened with the war and then also in regards to your managed fund, Benelon, you have quite a heavy portion to the actively managed account.","start":311.12,"end":323.26498,"sentiment":"neutral","sentiment_score":-0.23957277967461518},{"text":"Now back when you first came on board, you probably you know, you're still on the quite younger side of things to take on the active managed risk isn't an issue, but sort of having that much into the one active fund can when it does perform badly like Ben Long did with that underlying asset that was sort of deemed to not be reporting correctly has caused it to sort of take a bit of a downward skid in conjunction with the war as well.","start":323.26498,"end":344.62003,"sentiment":"neutral","sentiment_score":-0.23023302064732062},{"text":"So we probably need to review that and sort of look at potentially changing that out of your portfolio as well, if that makes sense.","start":344.76,"end":352.95502,"sentiment":"neutral","sentiment_score":-0.13451547369360925},{"text":"Perfect.","start":355.33502,"end":355.83502,"sentiment":"positive","sentiment_score":0.6190393567085266},{"text":"So today, I'll just update all your details so your fact finds up today.","start":356.05502,"end":359.49503,"sentiment":"neutral","sentiment_score":0.32411851414612364}],"sentiment":"neutral","sentiment_score":-0.16997311009892396,"num_words":175,"start":311.12,"end":359.49503},{"sentences":[{"text":"I'll send you out that budget planner, and I'll get you booked in a time next week that we can discuss that.","start":359.49503,"end":364.95502,"sentiment":"neutral","sentiment_score":0.23854617706753992},{"text":"So do afternoons normally work better or mornings work better for you?","start":366.03,"end":369.81,"sentiment":"neutral","sentiment_score":0.04696327866986394},{"text":"Yeah.","start":392.41,"end":392.81,"sentiment":"neutral","sentiment_score":-0.06072194874286651},{"text":"I don't actually work Fridays at the moment just because I do longer days to catch people off to work generally.","start":392.81,"end":397.63,"sentiment":"neutral","sentiment_score":-0.16896140504451024},{"text":"And you said you did okay.","start":398.81,"end":412.185,"sentiment":"neutral","sentiment_score":-0.009650070530672869}],"sentiment":"neutral","sentiment_score":0.03459295744617139,"num_words":62,"start":359.49503,"end":412.185},{"sentences":[{"text":"Not a problem.","start":412.185,"end":413.005,"sentiment":"neutral","sentiment_score":0.12524772683779398},{"text":"And then because of the time difference, it's still being around, would 10:00 work on next Wednesday?","start":413.70502,"end":419.19,"sentiment":"neutral","sentiment_score":0.01834724980461247},{"text":"Yeah.","start":421.89,"end":422.29,"sentiment":"neutral","sentiment_score":0.012666771188378334},{"text":"So 09:00 for us, ten for you.","start":422.29,"end":424.15002,"sentiment":"neutral","sentiment_score":0.04359183753175395},{"text":"Perfect.","start":426.05002,"end":426.465,"sentiment":"positive","sentiment_score":0.3794004321098328}],"sentiment":"neutral","sentiment_score":0.047753672179733885,"num_words":29,"start":412.185,"end":426.465},{"sentences":[{"text":"I'll chuck that in for a conversation there, and I'll get that budget planner sent out to you.","start":427.025,"end":431.425,"sentiment":"neutral","sentiment_score":0.26699692259232205},{"text":"So if you have a chance to go through it with your partner and fill that out and then send that back so we can have a review of it and then just sort of see where it goes.","start":431.425,"end":440.08002,"sentiment":"neutral","sentiment_score":0.17701507944804737},{"text":"Because you're obviously on quite a a good income, and then sort of being on quite a nice income comes with the fact that your lifestyle tends to sort of creep up in terms of, like, your expenditures as well.","start":440.08002,"end":449.84,"sentiment":"positive","sentiment_score":0.36237593181431293},{"text":"So if you're looking to, yeah, cut back a little bit to try and save the house and things like that, it's important you sort of might have to make a couple of sacrifices that you may have gotten used to over the the last few years, which is a bit unfortunate.","start":449.84,"end":462.665,"sentiment":"neutral","sentiment_score":-0.09497539258490388},{"text":"But then also, you gotta make a few sacrifices, especially with the housing market at the moment.","start":462.725,"end":466.71,"sentiment":"neutral","sentiment_score":-0.15288021371645086}],"sentiment":"neutral","sentiment_score":0.11245112006092467,"num_words":166,"start":427.025,"end":466.71},{"sentences":[{"text":"Perfect.","start":471.11,"end":471.61,"sentiment":"positive","sentiment_score":0.5783299207687378},{"text":"So I'll quickly go through and update everything.","start":471.91,"end":477.37,"sentiment":"positive","sentiment_score":0.3512980155646801},{"text":"So I have here that you do have your your partner that you are engaged to.","start":477.59,"end":481.045,"sentiment":"neutral","sentiment_score":0.10004038317129016},{"text":"We don't have a name.","start":481.045,"end":481.845,"sentiment":"neutral","sentiment_score":0.008002827875316143},{"text":"Did you wanna check down her name, or you're happy leaving that blank?","start":481.845,"end":484.58502,"sentiment":"neutral","sentiment_score":0.06476001699383442}],"sentiment":"neutral","sentiment_score":0.13654080317030812,"num_words":43,"start":471.11,"end":484.58502},{"sentences":[{"text":"No.","start":489.36502,"end":489.685,"sentiment":"neutral","sentiment_score":-0.05922014266252518},{"text":"It's just it's just the spouse name.","start":489.685,"end":491.765,"sentiment":"neutral","sentiment_score":-0.04579664780093091},{"text":"Yeah.","start":491.765,"end":492.265,"sentiment":"neutral","sentiment_score":0.01626095548272133},{"text":"Yep.","start":496.9,"end":497.22,"sentiment":"neutral","sentiment_score":0.04823070392012596},{"text":"And then last name for that one, just I think that's fine.","start":497.22,"end":503.94,"sentiment":"neutral","sentiment_score":0.0756511278450489}],"sentiment":"neutral","sentiment_score":0.026932205285199663,"num_words":22,"start":489.36502,"end":503.94},{"sentences":[{"text":"And I've got your mother down as your next of kin contact.","start":503.94,"end":506.41998,"sentiment":"neutral","sentiment_score":0.13218788678447405},{"text":"Is that still fine?","start":506.41998,"end":507.47998,"sentiment":"neutral","sentiment_score":0.11988480761647224},{"text":"Perfect.","start":509.415,"end":509.915,"sentiment":"positive","sentiment_score":0.382093608379364},{"text":"And two, just two kids at home there?","start":510.055,"end":512.315,"sentiment":"neutral","sentiment_score":0.1105591431260109},{"text":"Yep.","start":526.47003,"end":526.97003,"sentiment":"neutral","sentiment_score":0.05704766511917114}],"sentiment":"neutral","sentiment_score":0.13036185732254615,"num_words":26,"start":503.94,"end":526.97003},{"sentences":[{"text":"And then as far as your occupation, I know you were the leading hand.","start":529.67,"end":532.95,"sentiment":"neutral","sentiment_score":0.0191556578502059},{"text":"Is that sort of changed at all, or is that largely the same?","start":532.95,"end":535.65497,"sentiment":"neutral","sentiment_score":0.008346609484690886},{"text":"Yep.","start":537.955,"end":538.27496,"sentiment":"neutral","sentiment_score":0.03626711666584015},{"text":"Any change to your duties at all or anything like that?","start":538.27496,"end":540.615,"sentiment":"neutral","sentiment_score":0.001880748282102021},{"text":"Yep.","start":543.555,"end":544.055,"sentiment":"neutral","sentiment_score":0.00027311284793540835}],"sentiment":"neutral","sentiment_score":0.010847839845519047,"num_words":40,"start":529.67,"end":544.055},{"sentences":[{"text":"So about 90 office then and about sort of 10% out on the floor?","start":546.93,"end":551.83,"sentiment":"neutral","sentiment_score":0.007304882031998464},{"text":"Not a problem.","start":569.745,"end":570.48505,"sentiment":"neutral","sentiment_score":0.1453681786855062},{"text":"And how long have you been doing that leading hand supervisor role, if you don't mind me asking?","start":571.04,"end":574.63995,"sentiment":"neutral","sentiment_score":0.04836477287527588},{"text":"I just don't have that there.","start":574.63995,"end":576.01996,"sentiment":"neutral","sentiment_score":-0.0814710184931755},{"text":"And then industry wise, how long have you been in the industry?","start":580.63995,"end":583.22,"sentiment":"neutral","sentiment_score":0.0158920392083625}],"sentiment":"neutral","sentiment_score":0.020958814260391694,"num_words":53,"start":546.93,"end":583.22},{"sentences":[{"text":"Yeah.","start":589.455,"end":589.935,"sentiment":"neutral","sentiment_score":0.03153744339942932},{"text":"Roughly for seven.","start":589.935,"end":591.155,"sentiment":"neutral","sentiment_score":0.010073439218103886},{"text":"Yeah.","start":594.175,"end":594.675,"sentiment":"neutral","sentiment_score":0.2746615409851074},{"text":"Perfect.","start":594.895,"end":595.395,"sentiment":"positive","sentiment_score":0.5641012787818909},{"text":"And are you still in the one seventy mark at the moment with sort of overtime?","start":596.69,"end":600.23004,"sentiment":"neutral","sentiment_score":0.10186479450203478}],"sentiment":"neutral","sentiment_score":0.11501624058424072,"num_words":22,"start":589.455,"end":600.23004},{"sentences":[{"text":"Yep.","start":603.17004,"end":603.41003,"sentiment":"neutral","sentiment_score":0.07167018949985504},{"text":"And do you know what your base rate looks like?","start":603.41003,"end":606.15,"sentiment":"neutral","sentiment_score":0.0062120981514453884},{"text":"Okay.","start":619.185,"end":619.58496,"sentiment":"neutral","sentiment_score":0.04259137809276581},{"text":"So the $1.70 is overtime plus allowances that your base is one thirty?","start":619.58496,"end":623.64,"sentiment":"neutral","sentiment_score":0.059533925010607794},{"text":"30.","start":628.92004,"end":629.42004,"sentiment":"neutral","sentiment_score":0.024924973025918007}],"sentiment":"neutral","sentiment_score":0.037509559510419004,"num_words":26,"start":603.17004,"end":629.42004},{"sentences":[{"text":"And then at the moment, I had you sort of you were trying to save roughly around the thousand of fortnight.","start":630.44,"end":637.515,"sentiment":"neutral","sentiment_score":0.029312187539679662},{"text":"Is that sort of still the same goal of what you're trying to get into, your savings or your your property sort of deposit?","start":637.655,"end":644.555,"sentiment":"neutral","sentiment_score":0.09569433253879349},{"text":"And you paid fortnightly, sir?","start":656.15,"end":657.93005,"sentiment":"neutral","sentiment_score":-0.004218617314472794},{"text":"Yeah.","start":659.67004,"end":660.17004,"sentiment":"neutral","sentiment_score":-0.007955916225910187},{"text":"And as far as super is concerned, I know you were potentially looking at maybe starting some form of salary sacrifice.","start":662.575,"end":669.535,"sentiment":"neutral","sentiment_score":-0.24857793074278606}],"sentiment":"neutral","sentiment_score":-0.032457855960173115,"num_words":72,"start":630.44,"end":669.535},{"sentences":[{"text":"Is that on the back burner for the moment?","start":669.535,"end":671.315,"sentiment":"neutral","sentiment_score":-0.325424912903044},{"text":"Yep.","start":689.48505,"end":689.98505,"sentiment":"neutral","sentiment_score":-0.025789663195610046},{"text":"No.","start":690.125,"end":690.36505,"sentiment":"neutral","sentiment_score":-0.22808966040611267},{"text":"Understandable.","start":690.36505,"end":690.86505,"sentiment":"neutral","sentiment_score":-0.10531076043844224},{"text":"And then have you sort of had a thought about, like, the first time super scheme and potentially using your super for that and doing that process as well, or you just want to do it sort of outside that environment?","start":691.085,"end":701.25,"sentiment":"neutral","sentiment_score":0.19629217048243777}],"sentiment":"neutral","sentiment_score":0.08981065452098846,"num_words":53,"start":669.535,"end":701.25},{"sentences":[{"text":"Yep.","start":725.82,"end":726.32,"sentiment":"neutral","sentiment_score":-0.057328056544065475},{"text":"Yeah.","start":730.30005,"end":730.7,"sentiment":"neutral","sentiment_score":0.0271378755569458},{"text":"So yeah.","start":730.7,"end":736.635,"sentiment":"neutral","sentiment_score":-0.03018198534846306},{"text":"So there's a a few different things when people sort of refer to property and then super.","start":736.635,"end":742.875,"sentiment":"neutral","sentiment_score":-0.1069218895452864},{"text":"So first one there is everyone is like self made super just owning a house through that, but that means you can't actually utilize it because it's, like, an arm's length rule.","start":742.875,"end":750.97,"sentiment":"neutral","sentiment_score":-0.08244995272252709}],"sentiment":"neutral","sentiment_score":-0.08578537285046757,"num_words":53,"start":725.82,"end":750.97},{"sentences":[{"text":"So if you bought a property with your actual super balance, you wouldn't be able to actually use it for any personal uses because it's for your retirement.","start":751.11,"end":758.07,"sentiment":"neutral","sentiment_score":0.012279476438249861},{"text":"So the government sort of put that stipulation rule in place.","start":758.07,"end":760.97,"sentiment":"neutral","sentiment_score":-0.03916377438740297},{"text":"The second is that first time super saver scheme.","start":761.59,"end":765.515,"sentiment":"neutral","sentiment_score":0.2430577145682441},{"text":"Now with that, it's, like, through additional contributions to superannuation, and you can do up to a certain amount each year up to a number of years that you can then draw down for your deposit.","start":765.815,"end":777.9,"sentiment":"neutral","sentiment_score":0.16345043832229245},{"text":"Now the risk of that is is if you didn't sort of purchase a house or withdraw the funds or you couldn't find a property, you can't just pull that money back out of super so it can lock it away, which is the risk with that one as opposed to, like, having a, like, house deposit just in a high interest savings account outside of that as well.","start":777.96,"end":796.885,"sentiment":"negative","sentiment_score":-0.3351796462699987}],"sentiment":"neutral","sentiment_score":-0.0989714807836838,"num_words":153,"start":751.11,"end":796.885},{"sentences":[{"text":"But, yeah, if you did wanna sort of know a little bit more about the first time super savers scheme before we speak next week.","start":799.185,"end":806.62006,"sentiment":"neutral","sentiment_score":0.23860589951276778},{"text":"You just type, like, basically, first time super saver scheme and just click on the ATO.","start":806.62006,"end":810.62006,"sentiment":"neutral","sentiment_score":0.3228535521775484},{"text":"I can even attach that in the link with the the email I'm gonna set up with the budget planner.","start":810.62006,"end":816.72003,"sentiment":"positive","sentiment_score":0.3516883820295334},{"text":"And you can have a bit of a read through of the requirements what you can do for that.","start":817.125,"end":821.22504,"sentiment":"neutral","sentiment_score":0.3124849325732181},{"text":"And then with the amount at the moment, it's, like, up to a maximum of 50,000, I believe, which given the current property market might not sort of even be enough to do the first sort of deposit if you're trying to get rid of, like, lenders mortgage insurance and things like that as well to reach that 20%.","start":822.005,"end":841.73,"sentiment":"neutral","sentiment_score":-0.05459832895736573}],"sentiment":"neutral","sentiment_score":0.15021931132127483,"num_words":139,"start":799.185,"end":841.73},{"sentences":[{"text":"It could possibly be used in conjunction with, but then also carries the risk of the fact that if you're not using it for a home and decide to discontinue renting, then you sort of might have to leave it into in super if you don't ever go down the property purchase route.","start":843.305,"end":857.76,"sentiment":"neutral","sentiment_score":-0.24814068371394896},{"text":"So that all comes down.","start":875.375,"end":876.995,"sentiment":"neutral","sentiment_score":-0.018108128011226653},{"text":"Yeah.","start":879.29504,"end":879.61505,"sentiment":"neutral","sentiment_score":0.009071029722690582},{"text":"So that's to do with, like, your serviceability on a loan.","start":879.61505,"end":882.335,"sentiment":"neutral","sentiment_score":0.04075700891288844},{"text":"Say if you're like you're only like, you've got your deposit, but you're only saving, you know, like, $500 a week, but your rent's nearly equivalent to your like, what a mortgage would be, they take that into consideration to how much money they'll lend you.","start":882.335,"end":895.47003,"sentiment":"neutral","sentiment_score":0.0002733240227984346}],"sentiment":"neutral","sentiment_score":-0.11010367106967445,"num_words":116,"start":843.305,"end":895.47003},{"sentences":[{"text":"Not so much in terms of, like, just going like, yeah.","start":895.53,"end":900.535,"sentiment":"neutral","sentiment_score":-0.051807832311500206},{"text":"Yeah.","start":900.535,"end":901.035,"sentiment":"neutral","sentiment_score":0.032058410346508026},{"text":"So if you do, like, obviously pay a bit more in rent, obviously, if you move into a house with the personal primary house, you're not gonna be paying that rent.","start":901.175,"end":908.295,"sentiment":"neutral","sentiment_score":0.001627130974684992},{"text":"So that just helps, yeah, account for how much you can borrow and how much a bank's willing to lend you because of how much you're willing to pay off.","start":908.295,"end":915.77,"sentiment":"neutral","sentiment_score":0.18275052619477114},{"text":"And there's a few other details that should update there.","start":919.99005,"end":921.67004,"sentiment":"neutral","sentiment_score":0.16552077531814574}],"sentiment":"neutral","sentiment_score":0.08012454041156424,"num_words":83,"start":895.53,"end":921.67004},{"sentences":[{"text":"So you've got your personal car worth around the 12.","start":921.67004,"end":923.83,"sentiment":"neutral","sentiment_score":0.08972465544939041},{"text":"Is that sort of still about the same?","start":923.83,"end":925.53,"sentiment":"neutral","sentiment_score":0.06443039327859879},{"text":"Yep.","start":929.045,"end":929.445,"sentiment":"neutral","sentiment_score":0.09239153563976288},{"text":"And then the Kluger around the 43 mark with the bid on?","start":929.445,"end":934.245,"sentiment":"neutral","sentiment_score":0.07749460979054372},{"text":"Yep.","start":934.245,"end":934.565,"sentiment":"neutral","sentiment_score":0.09344126284122468}],"sentiment":"neutral","sentiment_score":0.07901430677156895,"num_words":32,"start":921.67004,"end":934.565},{"sentences":[{"text":"And has that loan come down a little bit as well?","start":934.565,"end":936.40497,"sentiment":"neutral","sentiment_score":0.0665135078809478},{"text":"So at around 23, does that come off a bit?","start":936.40497,"end":938.76,"sentiment":"neutral","sentiment_score":0.012874416261911392},{"text":"Yep.","start":951.17505,"end":951.575,"sentiment":"neutral","sentiment_score":0.006180414464324713},{"text":"I'll just knock a few.","start":951.575,"end":952.335,"sentiment":"neutral","sentiment_score":-0.05945856273174286},{"text":"Off.","start":952.455,"end":952.955,"sentiment":"neutral","sentiment_score":0.0034603681415319443}],"sentiment":"neutral","sentiment_score":0.020455025652024363,"num_words":28,"start":934.565,"end":952.955},{"sentences":[{"text":"Yeah.","start":953.97504,"end":954.47504,"sentiment":"neutral","sentiment_score":0.011887025088071825},{"text":"So it doesn't make much difference.","start":954.53503,"end":955.73505,"sentiment":"neutral","sentiment_score":-0.032357526322205864},{"text":"And you've still got your tools in a motorbike currently?","start":955.73505,"end":958.075,"sentiment":"neutral","sentiment_score":0.021416733972728252},{"text":"Yeah.","start":970.23,"end":970.63,"sentiment":"neutral","sentiment_score":0.04840698093175888},{"text":"I feel that I got my bike wheels done the other day, and it cost me an arm and a leg.","start":970.63,"end":975.52997,"sentiment":"neutral","sentiment_score":0.053880256556329276}],"sentiment":"neutral","sentiment_score":0.031071835269148532,"num_words":39,"start":953.97504,"end":975.52997},{"sentences":[{"text":"They're definitely cheaper than a car these days.","start":975.67,"end":978.265,"sentiment":"neutral","sentiment_score":0.052685985807329416},{"text":"It used to go the other way where the bike's, you know, a lot cheaper, but it feels like everything on a bike now is four times the cost of what it is on a car to make up for the fact that there's only, you know, one or two of it.","start":978.265,"end":989.245,"sentiment":"neutral","sentiment_score":-0.11068807570980145},{"text":"Yeah.","start":1013.67,"end":1014.07,"sentiment":"neutral","sentiment_score":-0.0510101318359375},{"text":"Unfortunately, I'd made the mistake of buying as well as they have all specialty tools, so that makes it even harder to work on it yourself.","start":1014.07,"end":1021.37,"sentiment":"negative","sentiment_score":-0.3558454221257797},{"text":"So yeah.","start":1021.43,"end":1022.81,"sentiment":"neutral","sentiment_score":-0.07984568551182747}],"sentiment":"neutral","sentiment_score":-0.16625814077057197,"num_words":89,"start":975.67,"end":1022.81},{"sentences":[{"text":"Not that it was a a crazy one, but in saying that, even the cheaper Ducatis when it comes to servicing them, they are not cheap.","start":1023.02997,"end":1035.955,"sentiment":"neutral","sentiment_score":-0.15534032179185978},{"text":"Yeah.","start":1036.175,"end":1036.415,"sentiment":"neutral","sentiment_score":0.03301980718970299},{"text":"Well, funnily enough, it was probably only 15 when I bought the the street legal one, but I swear every time I take it down there, it needs a few things that are gonna break the bank.","start":1036.415,"end":1048.27,"sentiment":"neutral","sentiment_score":0.017978040400791814},{"text":"But they're good fun.","start":1050.89,"end":1051.85,"sentiment":"positive","sentiment_score":0.4594150148332119},{"text":"So no.","start":1051.85,"end":1055.15,"sentiment":"neutral","sentiment_score":0.1650269478559494}],"sentiment":"neutral","sentiment_score":-0.016756101564637253,"num_words":70,"start":1023.02997,"end":1055.15},{"sentences":[{"text":"And then with regards to your your son's account too, is that just in your name and you just put it aside for your son?","start":1058.125,"end":1064.4651,"sentiment":"neutral","sentiment_score":0.20365222036838532},{"text":"Yeah.","start":1066.3651,"end":1066.525,"sentiment":"neutral","sentiment_score":0.1651707887649536},{"text":"Okay.","start":1066.525,"end":1067.025,"sentiment":"neutral","sentiment_score":0.1831619143486023},{"text":"Because there are, like, investments that you can do, like investment bonds for your kids and stuff as well where it's basically much like having super you've got the funds invested.","start":1067.0851,"end":1079.85,"sentiment":"neutral","sentiment_score":0.23912181969611876},{"text":"And then with a bond, because it's owned by the company, they actually pay a lower tax rate as to yourself.","start":1080.23,"end":1086.685,"sentiment":"neutral","sentiment_score":0.2097319939306804}],"sentiment":"neutral","sentiment_score":0.21844033538540708,"num_words":79,"start":1058.125,"end":1086.685},{"sentences":[{"text":"So, obviously, any interest earned on obviously, it's not a huge amount at the moment, but any interest earned on that thousand dollars, it basically adds to your income with the interest.","start":1086.685,"end":1096.4651,"sentiment":"neutral","sentiment_score":0.22143938485533},{"text":"And if you end up having, you know, quite a bit of money in there over the next sort of ten to fifteen sort of years, that interest on that can sort of, you know, get taxed at your your higher marginal tax rate as opposed to being in, like, an investment environment.","start":1097.39,"end":1111.2301,"sentiment":"neutral","sentiment_score":0.2008360115424642},{"text":"That's sort of more beneficial.","start":1111.2301,"end":1113.095,"sentiment":"neutral","sentiment_score":0.26616773307323455},{"text":"So instead of being taxed at, like, 37% plus, like, your Medicare, you can sort of get that down at least the company tax rate 30% as a minimum and then actually do things to be able to reduce taxes as well throughout the life of the bond.","start":1113.475,"end":1126.08,"sentiment":"neutral","sentiment_score":0.28364453837275505},{"text":"And if you hold it for ten years, the distribution becomes actually tax free to the holder.","start":1126.08,"end":1130.1,"sentiment":"neutral","sentiment_score":0.2853434304980671}],"sentiment":"neutral","sentiment_score":0.24210957259901109,"num_words":155,"start":1086.685,"end":1130.1},{"sentences":[{"text":"So you can, like, set that up for your child to continue to put your money into that investment.","start":1130.32,"end":1134.4,"sentiment":"positive","sentiment_score":0.6275507666562733},{"text":"And even if you get to a point where you can't add to it anymore, you can still leave it.","start":1134.4,"end":1137.84,"sentiment":"neutral","sentiment_score":0.26895536072552206},{"text":"It remains invested into an investment option and account.","start":1137.84,"end":1141.22,"sentiment":"positive","sentiment_score":0.3907073901759254},{"text":"And then when time times, yeah, they go past ten years, they can sort of draw down it for, like, first car, you know, education, things like that as well.","start":1141.925,"end":1149.465,"sentiment":"neutral","sentiment_score":-0.02604110079507033},{"text":"Is that something you question?","start":1152.085,"end":1154.33,"sentiment":"neutral","sentiment_score":-0.16458301097154618}],"sentiment":"neutral","sentiment_score":0.23150349655244723,"num_words":83,"start":1130.32,"end":1154.33},{"sentences":[{"text":"Yeah.","start":1159.99,"end":1160.3099,"sentiment":"neutral","sentiment_score":-0.010701123625040054},{"text":"So there's different investment options within that.","start":1160.3099,"end":1162.39,"sentiment":"neutral","sentiment_score":0.03557490450995309},{"text":"You can do, like, a really sort of just base option and just do, like, a Vanguard investment, and that's sort of the, you know, that long term low cost passive index investing.","start":1162.39,"end":1170.285,"sentiment":"neutral","sentiment_score":0.16120595372084415},{"text":"You're not trying to outperform the market.","start":1170.285,"end":1171.805,"sentiment":"neutral","sentiment_score":0.07793913036584854},{"text":"You're just trying to track the market over the time you've got it invested because you're investing for that long period of time.","start":1171.805,"end":1177.265,"sentiment":"neutral","sentiment_score":0.15043053063361542}],"sentiment":"neutral","sentiment_score":0.13469853236431806,"num_words":71,"start":1159.99,"end":1177.265},{"sentences":[{"text":"Or you can go slightly more risky with the different sort of managed funds within the as underlying investments.","start":1178.285,"end":1183.005,"sentiment":"neutral","sentiment_score":-0.08967245821105807},{"text":"But much like superannuation, the same sort of risk as having your money in super as to having it in one of those bonds.","start":1183.005,"end":1188.4,"sentiment":"neutral","sentiment_score":-0.22672006053229174},{"text":"Like, they can go up and down with the markets as well.","start":1188.4,"end":1190.98,"sentiment":"neutral","sentiment_score":-0.23174521575371423},{"text":"But in saying that, like, the cash rates is dependent on what the the banks have it at and the interest you're earning on it anyway.","start":1194.16,"end":1200.145,"sentiment":"neutral","sentiment_score":-0.0445074002043559},{"text":"And as the cash, like, or interest rate comes down, obviously, that comes down.","start":1200.145,"end":1203.505,"sentiment":"neutral","sentiment_score":-0.07949783400233303}],"sentiment":"neutral","sentiment_score":-0.12838066135974308,"num_words":95,"start":1178.285,"end":1203.505},{"sentences":[{"text":"And as it goes up, it goes up.","start":1203.505,"end":1204.865,"sentiment":"neutral","sentiment_score":-0.05337641341611743},{"text":"But then also inflation's generally at or nearly probably higher in recent years than what you're getting in interest anyway.","start":1204.865,"end":1211.6799,"sentiment":"neutral","sentiment_score":-0.27218094691634176},{"text":"So your money's kind of devaluing in terms of, like, your spending power anyway, just sitting in cash.","start":1211.6799,"end":1216.5,"sentiment":"negative","sentiment_score":-0.36401279932922787},{"text":"Yeah.","start":1233.855,"end":1234.255,"sentiment":"neutral","sentiment_score":0.10503065586090088},{"text":"So with those investments, if you, like, it's not like a set term figure.","start":1234.255,"end":1238.21,"sentiment":"neutral","sentiment_score":0.09613905288279057}],"sentiment":"neutral","sentiment_score":-0.17986693831740833,"num_words":61,"start":1203.505,"end":1238.21},{"sentences":[{"text":"It's just the bond itself, and the bond runs up until, like, the age of I can't remember the exact figure.","start":1238.21,"end":1243.09,"sentiment":"neutral","sentiment_score":0.08405621988432747},{"text":"It depends on the providers as well.","start":1243.09,"end":1245.11,"sentiment":"neutral","sentiment_score":0.07356121178184237},{"text":"But in saying that, you just hold the bond for as long as you want.","start":1245.6499,"end":1248.9299,"sentiment":"neutral","sentiment_score":0.15206974198420842},{"text":"If you take it out before the ten years, you've just gotta play all the applicable tax that's, like, this capital gains and things like that for the sell down of that, much like if you had any money invested outside of that anyway.","start":1248.9299,"end":1259.885,"sentiment":"neutral","sentiment_score":0.08574656016108664},{"text":"But if you sort of even decide to open up an investment account on the side in your own name for your kid, same sort of thing, though, any capital gains and sort of interest earned or dividends still forms part of your individual tax return.","start":1260.665,"end":1271.73,"sentiment":"neutral","sentiment_score":0.22906497363810954}],"sentiment":"neutral","sentiment_score":0.14188716288908085,"num_words":133,"start":1238.21,"end":1271.73},{"sentences":[{"text":"But once in the bond environment, they deal with all that.","start":1271.73,"end":1274.77,"sentiment":"neutral","sentiment_score":0.2217410233887759},{"text":"And then it's not until you want the money that you have to worry about it.","start":1274.77,"end":1278.21,"sentiment":"neutral","sentiment_score":0.2802758291363716},{"text":"And if you hold it for the ten years, you get the benefit of it being a tax free distribution.","start":1278.21,"end":1281.59,"sentiment":"positive","sentiment_score":0.40423532873392104},{"text":"Yeah.","start":1281.705,"end":1282.205,"sentiment":"neutral","sentiment_score":0.19321376085281372},{"text":"But if you did need the money early, you can just basically pull the bond and just pay all the applicable taxes associated with it to be able to access those funds.","start":1282.521,"end":1292.2849,"sentiment":"neutral","sentiment_score":0.24555094353854656}],"sentiment":"neutral","sentiment_score":0.28823893815279006,"num_words":80,"start":1271.73,"end":1292.2849},{"sentences":[{"text":"Yeah.","start":1310.615,"end":1311.115,"sentiment":"neutral","sentiment_score":0.20912742614746097},{"text":"Basically.","start":1313.095,"end":1313.595,"sentiment":"neutral","sentiment_score":0.16588908433914185},{"text":"And I'm pretty sure the yeah.","start":1313.735,"end":1315.895,"sentiment":"neutral","sentiment_score":0.07947782054543495},{"text":"The minimum, I think, is only, like, $50 a month.","start":1315.895,"end":1318.215,"sentiment":"neutral","sentiment_score":0.0834133954718709},{"text":"So across the two kids, it only works out to be, like, a $100 across that, which is, like, your $25 a week that you'd be putting towards those accounts if as, like, a minimum.","start":1318.215,"end":1328.14,"sentiment":"neutral","sentiment_score":0.10189293612326894}],"sentiment":"neutral","sentiment_score":0.09909943684513839,"num_words":53,"start":1310.615,"end":1328.14},{"sentences":[{"text":"So we can make that as a record So there's different providers for those.","start":1336.055,"end":1341.335,"sentiment":"neutral","sentiment_score":0.0295924723281392},{"text":"It is separate to, like, Hub twenty four.","start":1341.335,"end":1343.335,"sentiment":"neutral","sentiment_score":0.02825542283244431},{"text":"They have, like, IDPS accounts, but not investment bonds.","start":1343.335,"end":1346.055,"sentiment":"neutral","sentiment_score":0.022818352095782757},{"text":"So as part of the recommendation, there will obviously, we can review your budget plan, and next week can include some, like, cash flow budgeting type advice.","start":1346.055,"end":1355.28,"sentiment":"neutral","sentiment_score":0.13124247088476462},{"text":"And then we can look at the child bonds there in conjunction with that, and then just, like, an investment review as well just of your account and investments to ensure that if any changes need to be made, we can make those as well.","start":1356.06,"end":1366.755,"sentiment":"neutral","sentiment_score":0.10099742983778318}],"sentiment":"neutral","sentiment_score":0.08673916719130521,"num_words":103,"start":1336.055,"end":1366.755},{"sentences":[{"text":"But we can have a bit more of a conversation around the investment side of things and doing a risk profile next week when you've got the budget planning completed, and we can have a bit of a conversation around it.","start":1369.375,"end":1378.92,"sentiment":"neutral","sentiment_score":0.1452411678506107},{"text":"No problem.","start":1381.4801,"end":1382.2201,"sentiment":"neutral","sentiment_score":0.2115163505077362},{"text":"But as far as your insurance is concerned, you're pretty happy with your level of insurance cover and everything at the moment until such time you potentially, you know, purchase a house and things like that?","start":1382.52,"end":1390.86,"sentiment":"neutral","sentiment_score":0.09652077654997508},{"text":"Yeah.","start":1407.6699,"end":1407.9099,"sentiment":"neutral","sentiment_score":0.04201886057853699},{"text":"So with, obviously, the retail cover that's, like, for your lifetime, just the income protection, you can, like, even look at potentially trauma insurance.","start":1407.9099,"end":1414.71,"sentiment":"neutral","sentiment_score":0.04079449347530802}],"sentiment":"neutral","sentiment_score":0.10455533887188022,"num_words":104,"start":1369.375,"end":1414.71},{"sentences":[{"text":"As far as, like, those other general insurances.","start":1414.71,"end":1417.1749,"sentiment":"neutral","sentiment_score":-0.06454985169693828},{"text":"We don't make recommendation on those, but you can obviously put those in conjunction with that to make sure you got yourself adequately protect protected.","start":1417.235,"end":1424.515,"sentiment":"neutral","sentiment_score":0.012737029790878296},{"text":"And like you said, if you have a home, generally, you've got some sort of, like, home end contents in the event anything did happen anyway.","start":1424.515,"end":1431.1749,"sentiment":"neutral","sentiment_score":0.019537070855641596},{"text":"And income protection.","start":1440.15,"end":1441.29,"sentiment":"neutral","sentiment_score":0.03089315816760063},{"text":"That's all through through Clearview paid for you through your super at the moment.","start":1446.245,"end":1450.9651,"sentiment":"neutral","sentiment_score":0.09486639499664307}],"sentiment":"neutral","sentiment_score":0.022773681288143915,"num_words":76,"start":1414.71,"end":1450.9651},{"sentences":[{"text":"Yeah.","start":1450.9651,"end":1451.4651,"sentiment":"neutral","sentiment_score":0.04791554808616638},{"text":"Yeah.","start":1453.765,"end":1454.265,"sentiment":"neutral","sentiment_score":0.03706452250480652},{"text":"Six 100 70 three, yeah, of the life and TPD and as a monthly benefit around $7,198.","start":1458.26,"end":1466.4401,"sentiment":"neutral","sentiment_score":0.05159799294436679},{"text":"Obviously, that's, like, pretax dollars, which you can sort of review as well as a part of that, like, when you do wanna review it to see if that still adequately meets your needs because you can cover up to, like, 70% of your income.","start":1467.62,"end":1478.815,"sentiment":"neutral","sentiment_score":0.16245630896753735},{"text":"And then given that, yeah.","start":1480.475,"end":1483.13,"sentiment":"neutral","sentiment_score":-0.16318216323852539}],"sentiment":"neutral","sentiment_score":0.10806911649263423,"num_words":69,"start":1450.9651,"end":1483.13},{"sentences":[{"text":"Exactly.","start":1483.13,"end":1483.61,"sentiment":"neutral","sentiment_score":0.0422838032245636},{"text":"And then if, like, the amount that you're covered for covers the bills and things like that, you don't have to do up to 70% of what your your income is, but you could increase that given how much you're taking home.","start":1483.61,"end":1493.3099,"sentiment":"neutral","sentiment_score":0.07398138248494693},{"text":"I think it's sort of mainly was originally based probably more on your your base rate as opposed to, like, what's included with the overtime and your allowances and things like that anyway.","start":1493.37,"end":1500.985,"sentiment":"neutral","sentiment_score":0.009758490109533974},{"text":"Exactly.","start":1527.2351,"end":1527.7351,"sentiment":"neutral","sentiment_score":-0.09350312501192092},{"text":"And then also, like you said, like, you don't want to be injured and you want to be sort of back at work, which is the the main thing there.","start":1527.795,"end":1534.115,"sentiment":"neutral","sentiment_score":0.03396054208278656}],"sentiment":"neutral","sentiment_score":0.04109201101568815,"num_words":107,"start":1483.13,"end":1534.115},{"sentences":[{"text":"And then also in conjunction with that, if you are injured, you're probably not going out and doing, like, your normal activities as well, so your expenses do come down a bit generally as well.","start":1534.115,"end":1543.47,"sentiment":"neutral","sentiment_score":0.009093628451228141},{"text":"Yeah.","start":1547.145,"end":1547.645,"sentiment":"neutral","sentiment_score":0.01276449766010046},{"text":"Probably your back pocket might thank you for it, but at least your weekends will be a bit bit more boring.","start":1550.985,"end":1555.625,"sentiment":"neutral","sentiment_score":0.029454902257947696},{"text":"So yeah.","start":1555.625,"end":1560.52,"sentiment":"neutral","sentiment_score":0.03727373853325844},{"text":"Yeah.","start":1560.52,"end":1560.68,"sentiment":"neutral","sentiment_score":0.01304163783788681}],"sentiment":"neutral","sentiment_score":0.017286392596239843,"num_words":60,"start":1534.115,"end":1560.68},{"sentences":[{"text":"Well, that's the thing.","start":1560.68,"end":1561.4,"sentiment":"neutral","sentiment_score":-0.04890426527708769},{"text":"It's not for them, is it?","start":1561.4,"end":1562.7001,"sentiment":"neutral","sentiment_score":-0.20814417054255804},{"text":"The thing is too is that, like, you know, you'd be home on the weekend, then she'd be like, why don't you go out and do something?","start":1569.56,"end":1574.705,"sentiment":"neutral","sentiment_score":-0.054492275403053674},{"text":"Then you're sitting on the couch.","start":1574.705,"end":1575.825,"sentiment":"neutral","sentiment_score":-0.07738326117396355},{"text":"She'd be like, you made me sell my bike.","start":1575.825,"end":1577.505,"sentiment":"neutral","sentiment_score":-0.10815772124462658}],"sentiment":"neutral","sentiment_score":-0.08372101112483786,"num_words":52,"start":1560.68,"end":1577.505},{"sentences":[{"text":"So and then as far as yeah.","start":1577.505,"end":1585.78,"sentiment":"neutral","sentiment_score":-0.0524536839553288},{"text":"That's a problem with having kids in that as well, isn't it?","start":1586.0801,"end":1588.24,"sentiment":"neutral","sentiment_score":-0.1961384185900291},{"text":"It's just like there's always something that can be spent on them as opposed to going out and buying a thousand north to $5,000 new bike.","start":1588.24,"end":1594.98,"sentiment":"neutral","sentiment_score":-0.12246942405517285},{"text":"And then in regards to state planning there, have you managed to get around to drawing up a will with your partner and everything?","start":1598.415,"end":1604.275,"sentiment":"neutral","sentiment_score":0.04659629970168074},{"text":"Yep.","start":1611.55,"end":1612.05,"sentiment":"neutral","sentiment_score":0.044191084802150726}],"sentiment":"neutral","sentiment_score":-0.0677505651222808,"num_words":70,"start":1577.505,"end":1612.05},{"sentences":[{"text":"Obviously, you do have the beneficiary nomination on your your accounts in regards to like, if anything happened with that.","start":1612.1101,"end":1618.8301,"sentiment":"neutral","sentiment_score":0.04607014786452055},{"text":"But, obviously, in regards to your assets outside of that, it forms part of your estate versus, like, your non estate super assets.","start":1618.8301,"end":1626.285,"sentiment":"neutral","sentiment_score":0.047437886747977005},{"text":"Now the probably biggest thing with that is is, like, I'm assuming given your one of your kids doesn't stay with you, so you have a separate ex partner as well.","start":1627.865,"end":1635.3251,"sentiment":"neutral","sentiment_score":-0.13072477545469038},{"text":"Unfortunately, when things like that do happen, obviously, money brings out the worst in people, and you'd rather have it in a document than sort of whoever's left squabbling over what is left to to get their hands on.","start":1637.39,"end":1648.545,"sentiment":"negative","sentiment_score":-0.5828808332100893},{"text":"Not to say that everything probably, you know, is amicable or not, but, yeah, it's just more often than not even families that aren't sort of fighting or anything like that.","start":1650.385,"end":1659.3451,"sentiment":"neutral","sentiment_score":-0.13585144750052883}],"sentiment":"neutral","sentiment_score":-0.20127597954382914,"num_words":144,"start":1612.1101,"end":1659.3451},{"sentences":[{"text":"There's still squabbles, after someone goes.","start":1659.3451,"end":1662.405,"sentiment":"neutral","sentiment_score":-0.21164562180638313},{"text":"Yeah.","start":1662.545,"end":1662.9451,"sentiment":"neutral","sentiment_score":0.02731931582093239},{"text":"Exactly.","start":1662.9451,"end":1663.4451,"sentiment":"neutral","sentiment_score":0.06508047878742218},{"text":"No problem.","start":1665.63,"end":1666.0299,"sentiment":"neutral","sentiment_score":0.1739044040441513},{"text":"We'll make a note of that as well just to something to be included just to give you a general reminder for wheels in The States, and we can also send you through some lawyer information of a locals listed just in regards to general pricing if you wanna have a look at that as well.","start":1666.0299,"end":1679.115,"sentiment":"neutral","sentiment_score":0.13137037326980913}],"sentiment":"neutral","sentiment_score":0.09889508749951016,"num_words":66,"start":1659.3451,"end":1679.115},{"sentences":[{"text":"Yep.","start":1681.515,"end":1681.915,"sentiment":"neutral","sentiment_score":0.1802469938993454},{"text":"And then I should mention to you, like, obviously, you do have access to the mortgage brokers here.","start":1681.915,"end":1685.275,"sentiment":"neutral","sentiment_score":0.14736166348059973},{"text":"Like you said, you're probably not in the process of looking just yet in terms of that, and you want to go see someone in person.","start":1685.275,"end":1692.315,"sentiment":"neutral","sentiment_score":0.08020949506988892},{"text":"So if you did wanna have a chat with someone just over the phone or things like that, we can refer you to one of the people that we've worked with as well.","start":1692.315,"end":1698.0399,"sentiment":"neutral","sentiment_score":0.13775597738497186},{"text":"Not a problem.","start":1700.98,"end":1701.7999,"sentiment":"neutral","sentiment_score":0.2084400455156962}],"sentiment":"neutral","sentiment_score":0.12456137282244953,"num_words":81,"start":1681.515,"end":1701.7999},{"sentences":[{"text":"But is there anything else there that you wanted to have a discussion there about today there, Joel, before I let you go away with that and then come back next week?","start":1702.1,"end":1709.835,"sentiment":"neutral","sentiment_score":0.03116812789812684},{"text":"Yeah.","start":1732.1699,"end":1732.6699,"sentiment":"neutral","sentiment_score":-0.013516089878976343},{"text":"Yeah.","start":1739.785,"end":1740.105,"sentiment":"neutral","sentiment_score":0.17150896787643433},{"text":"Completely understand.","start":1740.105,"end":1741.385,"sentiment":"neutral","sentiment_score":0.2294793576002121},{"text":"So, obviously, we'll have a a look at that and look at getting your advice updated and then also look at that cash flow by James.","start":1741.385,"end":1746.985,"sentiment":"neutral","sentiment_score":0.22618637176660392}],"sentiment":"neutral","sentiment_score":0.12088995728822004,"num_words":62,"start":1702.1,"end":1746.985},{"sentences":[{"text":"So you can potentially cut back a little bit to help sort of build that deposit up to sort of give you a chance to get into the market.","start":1746.985,"end":1753.5801,"sentiment":"neutral","sentiment_score":0.20555540251320806},{"text":"Not a problem.","start":1756.12,"end":1756.9401,"sentiment":"positive","sentiment_score":0.34862564007441205},{"text":"If you do think of anything else, obviously, just, you know, write the questions down.","start":1757.0801,"end":1760.12,"sentiment":"neutral","sentiment_score":0.19706225196520488},{"text":"We can have a discussion about it next week, but we'll go a bit more in-depth in regards to the investments and everything there and then sort of review that budget planner with you.","start":1760.12,"end":1768.115,"sentiment":"neutral","sentiment_score":0.169300408266923},{"text":"No problem.","start":1770.071,"end":1770.551,"sentiment":"positive","sentiment_score":0.4210902750492096}],"sentiment":"neutral","sentiment_score":0.1995338771537126,"num_words":83,"start":1746.985,"end":1770.551},{"sentences":[{"text":"Well, thanks for your time this morning, Joe, or this afternoon, I should say, for you, and I'll see you next week.","start":1770.551,"end":1775.291,"sentiment":"positive","sentiment_score":0.6245087412270632},{"text":"Sounds good.","start":1777.511,"end":1778.071,"sentiment":"positive","sentiment_score":0.7895574569702148},{"text":"Thank you.","start":1778.071,"end":1778.551,"sentiment":"positive","sentiment_score":0.7500585913658142},{"text":"Bye.","start":1778.551,"end":1779.051,"sentiment":"positive","sentiment_score":0.4931477904319763}],"sentiment":"positive","sentiment_score":0.641169340522201,"num_words":27,"start":1770.551,"end":1779.051}]}}]},{"alternatives":[{"transcript":"Hi. Joel speaking. Good. Thanks, mate. Yourself? Yeah. Yeah. No dramas. Joel Anthony Gaylor, 09/26/1993, and 62 North Grove, North Rockford, New South Wales. Yeah. I've done I've been doing for a partner, I've been doing our own budgets for, like, a while now, and it just seems that it just never works for not for myself, really. Like, to get money in my account, and there's always seems to be something that comes up that I have to fork the money up for. And yeah. Yeah. I also yeah. I I I have it. It's a pretty terrible office just spending as well. Just on a piece of paper. Yep. Yes. So the personal loan, I've actually paid off. I had about, I think, $4 or $5 left on it, like, a couple of months ago, and I've decided just to pay it off to get rid of it. So that's straight up an extra $600 a fortnight, which is which is awesome. And I've put that onto what I usually put away every fortnight into a house savings account. In the house savings, the as tomorrow will be $5. So not much. Yeah. Every day is spending. And then I've got so my idea was I've got a account for my son, which I put $50 a fortnight into, and that's up to about a thousand dollars now. Then I have account for, say, car expenditures, so of servicing and whatnot. I have an a savings account for general savings, which is to do with maybe more so to do with, say, like, holidays and stuff like that. We're on a plan. And then I've got my bills account, which is just it's a card account, and then my general card account, which is what I usually pay everything off. Got nothing because I keep dipping into that to buy other pay for other things. It's here there at the moment. I do wanna set aside money for that for and not try and stick to, say, a $100 a fortnight or $200 a fortnight just for things that aren't accounted for and, like, I guess, wants and not needs. Yes. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Of course. Yeah. Yeah. Yep. Yeah. Cool. Yep. It depends on the day because I do shift work. So next week when am I working next week? It'll be Monday, Tuesday, Wednesday, Thursday. So I'll be off Friday, Saturday, Sunday. I'll come off night shift Friday morning. So Friday afternoon would work. I know it's Friday, and everyone wants to get out of the afternoon. But yep, Wednesday morning might work because I'll do day shift Monday, Tuesday, and then Wednesday, Thursday night. So I've got that little bit of a lull. It's called pajama day Wednesday. New South Wales time? Yeah. That yeah. That'll work fine. Wednesday next week. Yep. Yeah. Five seven. Yeah. Alrighty. Yeah. No. That's that's a 100%. You can put it in name. It doesn't tie her up to anything really, does it? That's because she's not a customer. Yeah. Yeah. Kara, k a r I. Baker, b a k e r. Yeah. That's fine. Yeah. So one's only with me one weekend every month, another one's full time. That's the same. Yeah. No. That's fine. So now computer might still might still be there. I don't get on the tools anymore. Only when I do overtime, but pretty much my whole job is office work. I'll, like, get out and I'll walk around, and I don't really get on tools. Since January. In the 2019, so nearly seven years. Nearly six years. I'd say six years. Yeah. I'd say around for that. Base rate, I one thirty, but that doesn't factor in a few and I think that's factors in the rough surveillance. Just the way they do the e I. Okay. Yeah. Yeah. Yeah. It's always been a seven, but since I've paid this other personal loan off, I've bumped it up to 1,600 or not. Yes. Yeah. I I want them to get as much money into getting a house first and then review and start doing salary stuff and forth, but it's just, yeah, one of those things I haven't haven't been so strict on myself and their spending. Well, my partner I've been talking about, like, the first time buyers grants and stuff like that and what our options are. We do actually wanna talk go see them all with the program in person and sit down and have a chat about it and see what our options are. I know when right now, we're not in any place to buy a house, say, this year, but what we need to do and where we need to be before we then start that process of actually purchasing anything else. So I thought there was something to do with being able to use your super and whatnot, but I wasn't a 100 percent sure. Yep. Yeah. Yep. Yes. Yeah. Yeah. Yes. Yes. Yeah. Yeah. Yeah. Yeah. Excuse me. I was I think I have heard that you can use, like, some banks would allow recognize potential savings through rent. Is that a thing? So rent money spent on rent. Yeah. Yeah. Alright, Taylor. Yeah. Yeah. Yeah. Fair enough. I would say it's probably more 10 now. Yeah. Yeah. I'd say I haven't actually checked it since we bought it, but I'd say as well my partner has been paying that down. She hasn't missed any payments, so I'm not a 100 percent sure where it'd be. But yeah. Yeah. Yeah. The motorbike has just had some money spent. Hence, this is the the we're spending. I've got new wheels and well, not for it. Yeah. All good. Yeah. Yeah. I cracked the rear rim, so I've just gone out and bought a whole front and rear wheel set, which is $1,200 and then tires on top. And it adds up pretty quick, and then I'll pull there's I need to do all the string out bearings and steering stem bearings and stuff. So I've got all that stuff, and I'm like, oh, I need new I need this and that, and then it it adds up real quick. Oh, wow. Wow. Yeah. Yeah. 100%. Well, I'm just a dirt box. I've not I know any of that for our smart bot. Yeah. Okay. Yeah. Yeah. The motor box is definitely not a cheap cheap hobby. Yeah. They are definitely good fun. Yeah. Yep. Oh, yeah. Yes. Yeah. Yep. Yeah. Yeah. Yeah. Right Yeah. Yeah. Is there much risk in those sort of the same risk as that it's susceptible to the market, like Azure Super. Yeah. Yeah. Yeah. Right. Yeah. Yeah. So so if I take out five finance bonds for, say, a fifteen year term, am I able to say things go bad on, like, something happens and I need that money? Can I get that money back? Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Right on. Cool. That's good to know because I've gotta set up an account for my daughter as well. But if I was to go down that sort of path, I could just say, hold on two separate and fund a thousand dollars in each and then just pay for $50 a fortnight or a $100 a fortnight or whatever, and then just keep that rolling until they turn 18, essentially. Yeah. Yep. Yeah. Alright. So who provides these spots? Is it something that more, like, hub 20 four or whatever? Yep. Yep. Yeah. Mhmm. Yeah. Right on. Yeah. Sure. Yeah. Yep. Yeah. Yeah. I've been thinking of, not adding extra, like, home contents insurance and stuff like that, but I don't think I'll do it until I do get a home, and then I'll just bundle everything together. Oh, okay. Yeah. Yeah. Yeah. Yeah. So I'm still currently covered as so I've got my block, death, and PPD as a part of me an income protection. I I don't think of the word, but I've been income protection as well through my super. Yeah. Yeah. Yeah. So that's still what was it? Like, 800 pears or 700 pears or something on top of four for death and TPD? Yeah. Yeah. Obviously, it's more expensive. Yeah. Yeah. I think with someone that if I do get injured, then I can't work for for any reason, I pretty much would only wanna cover the necessities. I don't wanna be I don't want that 70% because then that's no. Obviously, not on the fence to hurt themselves. That's why we get these covers, but I don't really wanna be paying too much into it when I don't need to. I don't need that level of cover. Yeah. Also, I gotta narrow it off up and fog off through those four fifth if I need to, if it comes down to it. Yeah. Yeah. The missus would probably thank me for it too. No. That's it. Anytime we go think about money, so I could always sell the bar and all that. Yeah. Definitely not. Mhmm. Yep. Yep. That's it. 100%. If I'll sell it, I'll never get another one pretty much. It's just gonna be too odd. Yeah. Yeah. Yeah. Not probably something that she'll be doing on five 30 three. She is fine. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Shit. It comes away. Yeah. Unfortunately. Yeah. Yep. Yeah. Yeah. For sure. No. That should be alright. It's mainly just the budgeting and kind of seeing getting advice on better ways to go about it and the all buying a house thing and obviously the figuring out exactly where we need to be in this where the market is at the moment and is more about the mortgage brokers sort of things, I guess. But, yeah, it's just pretty much a boss, I guess. Never been never been good with money, and I think it's something changed. Yep. Yep. Yeah. Yeah. For sure. So, Izzy, thanks, man. Have a good one. See you. 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Joel speaking. Good. Thanks, mate. Yourself?\n\nYeah. Yeah. No dramas. Joel Anthony Gaylor, 09/26/1993, and 62 North Grove, North Rockford, New South Wales. Yeah.\n\nI've done I've been doing for a partner, I've been doing our own budgets for, like, a while now, and it just seems that it just never works for not for myself, really. Like, to get money in my account, and there's always seems to be something that comes up that I have to fork the money up for. And yeah. Yeah. I also yeah.\n\nI I I have it. It's a pretty terrible office just spending as well. Just on a piece of paper. Yep. Yes.\n\nSo the personal loan, I've actually paid off. I had about, I think, $4 or $5 left on it, like, a couple of months ago, and I've decided just to pay it off to get rid of it. So that's straight up an extra $600 a fortnight, which is which is awesome. And I've put that onto what I usually put away every fortnight into a house savings account. In the house savings, the as tomorrow will be $5.\n\nSo not much. Yeah. Every day is spending. And then I've got so my idea was I've got a account for my son, which I put $50 a fortnight into, and that's up to about a thousand dollars now. Then I have account for, say, car expenditures, so of servicing and whatnot.\n\nI have an a savings account for general savings, which is to do with maybe more so to do with, say, like, holidays and stuff like that. We're on a plan. And then I've got my bills account, which is just it's a card account, and then my general card account, which is what I usually pay everything off. Got nothing because I keep dipping into that to buy other pay for other things. It's here there at the moment.\n\nI do wanna set aside money for that for and not try and stick to, say, a $100 a fortnight or $200 a fortnight just for things that aren't accounted for and, like, I guess, wants and not needs. Yes. Yep. Yeah. Yeah.\n\nYeah. Yep. Yeah. Of course. Yeah.\n\nYeah. Yep. Yeah. Cool. Yep.\n\nIt depends on the day because I do shift work. So next week when am I working next week? It'll be Monday, Tuesday, Wednesday, Thursday. So I'll be off Friday, Saturday, Sunday. I'll come off night shift Friday morning.\n\nSo Friday afternoon would work. I know it's Friday, and everyone wants to get out of the afternoon. But yep, Wednesday morning might work because I'll do day shift Monday, Tuesday, and then Wednesday, Thursday night. So I've got that little bit of a lull. It's called pajama day Wednesday.\n\nNew South Wales time? Yeah. That yeah. That'll work fine. Wednesday next week.\n\nYep. Yeah. Five seven. Yeah. Alrighty.\n\nYeah. No. That's that's a 100%. You can put it in name. It doesn't tie her up to anything really, does it?\n\nThat's because she's not a customer. Yeah. Yeah. Kara, k a r I. Baker, b a k e r.\n\nYeah. That's fine. Yeah. So one's only with me one weekend every month, another one's full time. That's the same.\n\nYeah. No. That's fine. So now computer might still might still be there. I don't get on the tools anymore.\n\nOnly when I do overtime, but pretty much my whole job is office work. I'll, like, get out and I'll walk around, and I don't really get on tools. Since January. In the 2019, so nearly seven years. Nearly six years.\n\nI'd say six years. Yeah. I'd say around for that. Base rate, I one thirty, but that doesn't factor in a few and I think that's factors in the rough surveillance. Just the way they do the e I.\n\nOkay. Yeah. Yeah. Yeah. It's always been a seven, but since I've paid this other personal loan off, I've bumped it up to 1,600 or not.\n\nYes. Yeah. I I want them to get as much money into getting a house first and then review and start doing salary stuff and forth, but it's just, yeah, one of those things I haven't haven't been so strict on myself and their spending. Well, my partner I've been talking about, like, the first time buyers grants and stuff like that and what our options are. We do actually wanna talk go see them all with the program in person and sit down and have a chat about it and see what our options are.\n\nI know when right now, we're not in any place to buy a house, say, this year, but what we need to do and where we need to be before we then start that process of actually purchasing anything else. So I thought there was something to do with being able to use your super and whatnot, but I wasn't a 100 percent sure. Yep. Yeah. Yep.\n\nYes. Yeah. Yeah. Yes. Yes.\n\nYeah. Yeah. Yeah. Yeah. Excuse me.\n\nI was I think I have heard that you can use, like, some banks would allow recognize potential savings through rent. Is that a thing? So rent money spent on rent. Yeah. Yeah.\n\nAlright, Taylor. Yeah. Yeah. Yeah. Fair enough.\n\nI would say it's probably more 10 now. Yeah. Yeah. I'd say I haven't actually checked it since we bought it, but I'd say as well my partner has been paying that down. She hasn't missed any payments, so I'm not a 100 percent sure where it'd be.\n\nBut yeah. Yeah. Yeah. The motorbike has just had some money spent. Hence, this is the the we're spending.\n\nI've got new wheels and well, not for it. Yeah. All good. Yeah. Yeah.\n\nI cracked the rear rim, so I've just gone out and bought a whole front and rear wheel set, which is $1,200 and then tires on top. And it adds up pretty quick, and then I'll pull there's I need to do all the string out bearings and steering stem bearings and stuff. So I've got all that stuff, and I'm like, oh, I need new I need this and that, and then it it adds up real quick. Oh, wow. Wow.\n\nYeah. Yeah. 100%. Well, I'm just a dirt box. I've not I know any of that for our smart bot.\n\nYeah. Okay. Yeah. Yeah. The motor box is definitely not a cheap cheap hobby.\n\nYeah. They are definitely good fun. Yeah. Yep. Oh, yeah.\n\nYes. Yeah. Yep. Yeah. Yeah.\n\nYeah. Right Yeah. Yeah. Is there much risk in those sort of the same risk as that it's susceptible to the market, like Azure Super. Yeah.\n\nYeah. Yeah. Right. Yeah. Yeah.\n\nSo so if I take out five finance bonds for, say, a fifteen year term, am I able to say things go bad on, like, something happens and I need that money? Can I get that money back? Yeah. Yeah. Yeah.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nYeah. Right on. Cool. That's good to know because I've gotta set up an account for my daughter as well. But if I was to go down that sort of path, I could just say, hold on two separate and fund a thousand dollars in each and then just pay for $50 a fortnight or a $100 a fortnight or whatever, and then just keep that rolling until they turn 18, essentially.\n\nYeah. Yep. Yeah. Alright. So who provides these spots?\n\nIs it something that more, like, hub 20 four or whatever? Yep. Yep. Yeah. Mhmm.\n\nYeah. Right on. Yeah. Sure. Yeah.\n\nYep. Yeah. Yeah. I've been thinking of, not adding extra, like, home contents insurance and stuff like that, but I don't think I'll do it until I do get a home, and then I'll just bundle everything together. Oh, okay.\n\nYeah. Yeah. Yeah. Yeah. So I'm still currently covered as so I've got my block, death, and PPD as a part of me an income protection.\n\nI I don't think of the word, but I've been income protection as well through my super. Yeah. Yeah. Yeah. So that's still what was it?\n\nLike, 800 pears or 700 pears or something on top of four for death and TPD? Yeah. Yeah. Obviously, it's more expensive. Yeah.\n\nYeah. I think with someone that if I do get injured, then I can't work for for any reason, I pretty much would only wanna cover the necessities. I don't wanna be I don't want that 70% because then that's no. Obviously, not on the fence to hurt themselves. That's why we get these covers, but I don't really wanna be paying too much into it when I don't need to.\n\nI don't need that level of cover. Yeah. Also, I gotta narrow it off up and fog off through those four fifth if I need to, if it comes down to it. Yeah. Yeah.\n\nThe missus would probably thank me for it too. No. That's it. Anytime we go think about money, so I could always sell the bar and all that. Yeah.\n\nDefinitely not. Mhmm. Yep. Yep. That's it.\n\n100%. If I'll sell it, I'll never get another one pretty much. It's just gonna be too odd. Yeah. Yeah.\n\nYeah. Not probably something that she'll be doing on five 30 three. She is fine. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Shit.\n\nIt comes away. Yeah. Unfortunately. Yeah. Yep.\n\nYeah. Yeah. For sure. No. That should be alright.\n\nIt's mainly just the budgeting and kind of seeing getting advice on better ways to go about it and the all buying a house thing and obviously the figuring out exactly where we need to be in this where the market is at the moment and is more about the mortgage brokers sort of things, I guess. But, yeah, it's just pretty much a boss, I guess. Never been never been good with money, and I think it's something changed. Yep. Yep.\n\nYeah. Yeah. For sure. So, Izzy, thanks, man. Have a good one.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.76,"end":1.92,"sentiment":"neutral","sentiment_score":0.03015260025858879},{"text":"Joel speaking.","start":1.92,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.030048761516809464},{"text":"Good.","start":7.04,"end":7.3599997,"sentiment":"positive","sentiment_score":0.505151093006134},{"text":"Thanks, mate.","start":7.3599997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5299536883831024},{"text":"Yourself?","start":7.9199996,"end":8.42,"sentiment":"neutral","sentiment_score":0.3122729957103729}],"sentiment":"neutral","sentiment_score":0.28108308411070276,"num_words":7,"start":1.76,"end":8.42},{"sentences":[{"text":"Yeah.","start":12.559999,"end":12.96,"sentiment":"neutral","sentiment_score":0.09147989749908449},{"text":"Yeah.","start":12.96,"end":13.28,"sentiment":"neutral","sentiment_score":0.09174422174692154},{"text":"No dramas.","start":13.28,"end":13.905,"sentiment":"neutral","sentiment_score":0.08553187549114227},{"text":"Joel Anthony Gaylor, 09/26/1993, and 62 North Grove, North Rockford, New South Wales.","start":21.585,"end":39.7,"sentiment":"neutral","sentiment_score":0.0532821175427391},{"text":"Yeah.","start":39.7,"end":39.945,"sentiment":"neutral","sentiment_score":0.0595804899930954}],"sentiment":"neutral","sentiment_score":0.06147421601538857,"num_words":18,"start":12.559999,"end":39.945},{"sentences":[{"text":"I've done I've been doing for a partner, I've been doing our own budgets for, like, a while now, and it just seems that it just never works for not for myself, really.","start":50.025,"end":60.76,"sentiment":"neutral","sentiment_score":-0.1897933380396077},{"text":"Like, to get money in my account, and there's always seems to be something that comes up that I have to fork the money up for.","start":60.76,"end":69.66501,"sentiment":"neutral","sentiment_score":-0.19815167440817907},{"text":"And yeah.","start":69.66501,"end":70.685005,"sentiment":"neutral","sentiment_score":-0.060343993827700615},{"text":"Yeah.","start":71.865005,"end":72.065,"sentiment":"neutral","sentiment_score":-0.036521390080451965},{"text":"I also yeah.","start":72.065,"end":73.465004,"sentiment":"neutral","sentiment_score":-0.06047216057777405}],"sentiment":"neutral","sentiment_score":-0.1808269161444444,"num_words":65,"start":50.025,"end":73.465004},{"sentences":[{"text":"I I I have it.","start":73.465004,"end":74.265,"sentiment":"neutral","sentiment_score":-0.12630837112665178},{"text":"It's a pretty terrible office just spending as well.","start":74.265,"end":77.485,"sentiment":"negative","sentiment_score":-0.43705947200457257},{"text":"Just on a piece of paper.","start":85.71,"end":87.090004,"sentiment":"neutral","sentiment_score":-0.015400894917547703},{"text":"Yep.","start":98.284996,"end":98.784996,"sentiment":"neutral","sentiment_score":0.03647148609161377},{"text":"Yes.","start":106.845,"end":107.345,"sentiment":"neutral","sentiment_score":0.04869788512587547}],"sentiment":"neutral","sentiment_score":-0.20783241372555494,"num_words":22,"start":73.465004,"end":107.345},{"sentences":[{"text":"So the personal loan, I've actually paid off.","start":107.485,"end":110.384995,"sentiment":"neutral","sentiment_score":0.024829215370118618},{"text":"I had about, I think, $4 or $5 left on it, like, a couple of months ago, and I've decided just to pay it off to get rid of it.","start":111.325,"end":118.43,"sentiment":"neutral","sentiment_score":-0.11873037082453569},{"text":"So that's straight up an extra $600 a fortnight, which is which is awesome.","start":118.43,"end":123.869995,"sentiment":"positive","sentiment_score":0.5376215939010892},{"text":"And I've put that onto what I usually put away every fortnight into a house savings account.","start":123.869995,"end":130.815,"sentiment":"neutral","sentiment_score":0.3267184829010683},{"text":"In the house savings, the as tomorrow will be $5.","start":134.63501,"end":139.92,"sentiment":"neutral","sentiment_score":0.12661008574068547}],"sentiment":"neutral","sentiment_score":0.13903468328563473,"num_words":79,"start":107.485,"end":139.92},{"sentences":[{"text":"So not much.","start":142.72,"end":143.78,"sentiment":"neutral","sentiment_score":0.013147606203953425},{"text":"Yeah.","start":145.2,"end":145.44,"sentiment":"neutral","sentiment_score":0.03977653384208679},{"text":"Every day is spending.","start":145.44,"end":146.48,"sentiment":"neutral","sentiment_score":0.04431524034589529},{"text":"And then I've got so my idea was I've got a account for my son, which I put $50 a fortnight into, and that's up to about a thousand dollars now.","start":146.48,"end":156.505,"sentiment":"neutral","sentiment_score":0.10077478724621958},{"text":"Then I have account for, say, car expenditures, so of servicing and whatnot.","start":157.445,"end":162.905,"sentiment":"neutral","sentiment_score":0.02284784199526677}],"sentiment":"neutral","sentiment_score":0.07072155123863083,"num_words":52,"start":142.72,"end":162.905},{"sentences":[{"text":"I have an a savings account for general savings, which is to do with maybe more so to do with, say, like, holidays and stuff like that.","start":164.565,"end":176.24,"sentiment":"neutral","sentiment_score":0.10970253000656764},{"text":"We're on a plan.","start":176.24,"end":177.22,"sentiment":"neutral","sentiment_score":0.169753085821867},{"text":"And then I've got my bills account, which is just it's a card account, and then my general card account, which is what I usually pay everything off.","start":178.0,"end":186.955,"sentiment":"neutral","sentiment_score":0.057364257983863354},{"text":"Got nothing because I keep dipping into that to buy other pay for other things.","start":194.455,"end":200.48,"sentiment":"neutral","sentiment_score":-0.2363445818424225},{"text":"It's here there at the moment.","start":216.445,"end":217.88501,"sentiment":"neutral","sentiment_score":-0.011768352085103592}],"sentiment":"neutral","sentiment_score":0.020392512960825115,"num_words":80,"start":164.565,"end":217.88501},{"sentences":[{"text":"I do wanna set aside money for that for and not try and stick to, say, a $100 a fortnight or $200 a fortnight just for things that aren't accounted for and, like, I guess, wants and not needs.","start":217.88501,"end":235.7,"sentiment":"neutral","sentiment_score":-0.008626320996345619},{"text":"Yes.","start":258.96,"end":259.46,"sentiment":"neutral","sentiment_score":0.17757907509803772},{"text":"Yep.","start":260.63998,"end":261.13998,"sentiment":"neutral","sentiment_score":0.2645540237426758},{"text":"Yeah.","start":270.67502,"end":271.17502,"sentiment":"neutral","sentiment_score":0.1648731529712677},{"text":"Yeah.","start":276.035,"end":276.535,"sentiment":"neutral","sentiment_score":0.13401083648204803}],"sentiment":"neutral","sentiment_score":0.009409083010152329,"num_words":43,"start":217.88501,"end":276.535},{"sentences":[{"text":"Yeah.","start":289.69,"end":290.19,"sentiment":"neutral","sentiment_score":0.3033081293106079},{"text":"Yep.","start":300.335,"end":300.655,"sentiment":"neutral","sentiment_score":0.1523926854133606},{"text":"Yeah.","start":300.655,"end":301.055,"sentiment":"neutral","sentiment_score":0.2062201052904129},{"text":"Of course.","start":301.055,"end":301.635,"sentiment":"neutral","sentiment_score":0.19603564590215683},{"text":"Yeah.","start":345.13,"end":345.63,"sentiment":"neutral","sentiment_score":-0.08856192976236343}],"sentiment":"neutral","sentiment_score":0.1609050470093886,"num_words":6,"start":289.69,"end":345.63},{"sentences":[{"text":"Yeah.","start":352.475,"end":352.975,"sentiment":"neutral","sentiment_score":0.05656185001134872},{"text":"Yep.","start":353.355,"end":353.835,"sentiment":"neutral","sentiment_score":0.10256610810756683},{"text":"Yeah.","start":353.835,"end":354.23502,"sentiment":"neutral","sentiment_score":0.23149001598358152},{"text":"Cool.","start":354.23502,"end":354.73502,"sentiment":"positive","sentiment_score":0.5218103528022766},{"text":"Yep.","start":365.72998,"end":366.22998,"sentiment":"neutral","sentiment_score":0.0986308977007866}],"sentiment":"neutral","sentiment_score":0.20221184492111205,"num_words":5,"start":352.475,"end":366.22998},{"sentences":[{"text":"It depends on the day because I do shift work.","start":370.37,"end":373.56998,"sentiment":"neutral","sentiment_score":-0.004240441229194402},{"text":"So next week when am I working next week?","start":373.56998,"end":378.28998,"sentiment":"neutral","sentiment_score":0.003124840661055512},{"text":"It'll be Monday, Tuesday, Wednesday, Thursday.","start":378.28998,"end":380.05,"sentiment":"neutral","sentiment_score":0.012761476294447979},{"text":"So I'll be off Friday, Saturday, Sunday.","start":380.05,"end":382.955,"sentiment":"neutral","sentiment_score":0.017233510900821005},{"text":"I'll come off night shift Friday morning.","start":383.415,"end":385.975,"sentiment":"neutral","sentiment_score":0.02204894141427108}],"sentiment":"neutral","sentiment_score":0.008647825067433028,"num_words":39,"start":370.37,"end":385.975},{"sentences":[{"text":"So Friday afternoon would work.","start":385.975,"end":387.755,"sentiment":"neutral","sentiment_score":0.04335642531514168},{"text":"I know it's Friday, and everyone wants to get out of the afternoon.","start":388.535,"end":391.815,"sentiment":"neutral","sentiment_score":-0.012538204041238014},{"text":"But yep, Wednesday morning might work because I'll do day shift Monday, Tuesday, and then Wednesday, Thursday night.","start":391.815,"end":405.77,"sentiment":"neutral","sentiment_score":-0.036017581147866115},{"text":"So I've got that little bit of a lull.","start":405.77,"end":408.39502,"sentiment":"neutral","sentiment_score":-0.1519726895623737},{"text":"It's called pajama day Wednesday.","start":408.45502,"end":410.715,"sentiment":"neutral","sentiment_score":-0.027057733759284018}],"sentiment":"neutral","sentiment_score":-0.041951477229595184,"num_words":50,"start":385.975,"end":410.715},{"sentences":[{"text":"New South Wales time?","start":420.375,"end":421.38,"sentiment":"neutral","sentiment_score":-4.62785828858614e-6},{"text":"Yeah.","start":422.82,"end":423.30002,"sentiment":"neutral","sentiment_score":0.03459674119949341},{"text":"That yeah.","start":423.30002,"end":424.58002,"sentiment":"neutral","sentiment_score":0.10936954990029335},{"text":"That'll work fine.","start":424.58002,"end":425.46,"sentiment":"neutral","sentiment_score":0.20946436127026877},{"text":"Wednesday next week.","start":425.46,"end":426.68,"sentiment":"neutral","sentiment_score":0.2203185906012853}],"sentiment":"neutral","sentiment_score":0.11866662962935291,"num_words":13,"start":420.375,"end":426.68},{"sentences":[{"text":"Yep.","start":435.62,"end":436.12,"sentiment":"neutral","sentiment_score":0.06262226402759552},{"text":"Yeah.","start":436.26498,"end":436.76498,"sentiment":"neutral","sentiment_score":0.14664997160434723},{"text":"Five seven.","start":450.345,"end":451.245,"sentiment":"neutral","sentiment_score":0.05752238444983959},{"text":"Yeah.","start":459.57,"end":460.07,"sentiment":"neutral","sentiment_score":-0.08295097947120667},{"text":"Alrighty.","start":464.93,"end":465.43,"sentiment":"neutral","sentiment_score":-0.07643446326255798}],"sentiment":"neutral","sentiment_score":0.027488593632976215,"num_words":6,"start":435.62,"end":465.43},{"sentences":[{"text":"Yeah.","start":467.445,"end":467.685,"sentiment":"neutral","sentiment_score":-0.007491704076528549},{"text":"No.","start":467.685,"end":468.005,"sentiment":"neutral","sentiment_score":-0.05532361939549446},{"text":"That's that's a 100%.","start":468.005,"end":469.625,"sentiment":"neutral","sentiment_score":0.08062913920730352},{"text":"You can put it in name.","start":485.66998,"end":486.63,"sentiment":"neutral","sentiment_score":0.036664540568987526},{"text":"It doesn't tie her up to anything really, does it?","start":486.63,"end":490.09,"sentiment":"neutral","sentiment_score":0.0033915139734745025}],"sentiment":"neutral","sentiment_score":0.023345618932084602,"num_words":22,"start":467.445,"end":490.09},{"sentences":[{"text":"That's because she's not a customer.","start":490.47,"end":491.93,"sentiment":"neutral","sentiment_score":-0.05819765105843544},{"text":"Yeah.","start":491.99,"end":492.255,"sentiment":"neutral","sentiment_score":0.02312916144728661},{"text":"Yeah.","start":492.655,"end":492.89502,"sentiment":"neutral","sentiment_score":0.025522850453853607},{"text":"Kara, k a r I.","start":492.89502,"end":494.595,"sentiment":"neutral","sentiment_score":0.02009352669119835},{"text":"Baker, b a k e r.","start":500.415,"end":502.275,"sentiment":"neutral","sentiment_score":0.045559883738557495}],"sentiment":"neutral","sentiment_score":0.0038575284967297,"num_words":19,"start":490.47,"end":502.275},{"sentences":[{"text":"Yeah.","start":508.12,"end":508.28,"sentiment":"neutral","sentiment_score":0.1268121898174286},{"text":"That's fine.","start":508.28,"end":509.09998,"sentiment":"neutral","sentiment_score":0.2161129266023636},{"text":"Yeah.","start":513.48,"end":513.88,"sentiment":"neutral","sentiment_score":0.0398726686835289},{"text":"So one's only with me one weekend every month, another one's full time.","start":513.88,"end":519.18,"sentiment":"neutral","sentiment_score":0.042933528813032},{"text":"That's the same.","start":536.31995,"end":539.69995,"sentiment":"neutral","sentiment_score":0.019107548519968987}],"sentiment":"neutral","sentiment_score":0.060718461591750386,"num_words":20,"start":508.12,"end":539.69995},{"sentences":[{"text":"Yeah.","start":540.63995,"end":540.95996,"sentiment":"neutral","sentiment_score":0.018824920058250427},{"text":"No.","start":540.95996,"end":541.36,"sentiment":"neutral","sentiment_score":-0.01612098142504692},{"text":"That's fine.","start":541.36,"end":542.1,"sentiment":"neutral","sentiment_score":0.050791822373867035},{"text":"So now computer might still might still be there.","start":543.12,"end":545.93994,"sentiment":"neutral","sentiment_score":-0.06352787940866417},{"text":"I don't get on the tools anymore.","start":553.445,"end":555.205,"sentiment":"neutral","sentiment_score":-0.32867126379694256}],"sentiment":"neutral","sentiment_score":-0.1384081088937819,"num_words":20,"start":540.63995,"end":555.205},{"sentences":[{"text":"Only when I do overtime, but pretty much my whole job is office work.","start":555.205,"end":560.405,"sentiment":"neutral","sentiment_score":-0.13956794781344278},{"text":"I'll, like, get out and I'll walk around, and I don't really get on tools.","start":560.405,"end":564.0,"sentiment":"neutral","sentiment_score":-0.1451425698896249},{"text":"Since January.","start":576.16,"end":577.755,"sentiment":"neutral","sentiment_score":0.008764203637838364},{"text":"In the 2019, so nearly seven years.","start":585.755,"end":588.815,"sentiment":"neutral","sentiment_score":0.012285311440271991},{"text":"Nearly six years.","start":590.235,"end":591.03503,"sentiment":"neutral","sentiment_score":0.010688466019928455}],"sentiment":"neutral","sentiment_score":-0.09745119103207821,"num_words":41,"start":555.205,"end":591.03503},{"sentences":[{"text":"I'd say six years.","start":591.03503,"end":591.78,"sentiment":"neutral","sentiment_score":0.027851715683937073},{"text":"Yeah.","start":601.38,"end":601.62006,"sentiment":"neutral","sentiment_score":0.04071696475148201},{"text":"I'd say around for that.","start":601.62006,"end":602.84,"sentiment":"neutral","sentiment_score":0.04079356975853443},{"text":"Base rate, I one thirty, but that doesn't factor in a few and I think that's factors in the rough surveillance.","start":607.06006,"end":615.295,"sentiment":"neutral","sentiment_score":-0.02327231867682366},{"text":"Just the way they do the e 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not.","start":646.235,"end":655.7,"sentiment":"neutral","sentiment_score":-0.04331276695434512}],"sentiment":"neutral","sentiment_score":-0.03277391541408948,"num_words":26,"start":619.03503,"end":655.7},{"sentences":[{"text":"Yes.","start":658.64,"end":659.14,"sentiment":"neutral","sentiment_score":0.049214042723178864},{"text":"Yeah.","start":671.675,"end":672.175,"sentiment":"neutral","sentiment_score":-0.12326791882514954},{"text":"I I want them to get as much money into getting a house first and then review and start doing salary stuff and forth, but it's just, yeah, one of those things I haven't haven't been so strict on myself and their spending.","start":672.235,"end":688.38,"sentiment":"neutral","sentiment_score":-0.13946182887221492},{"text":"Well, my partner I've been talking about, like, the first time buyers grants and stuff like that and what our options are.","start":701.965,"end":707.325,"sentiment":"neutral","sentiment_score":0.241193335164677},{"text":"We do actually wanna talk go see them all with the program in person and sit down and have a chat about it and see what our options are.","start":707.325,"end":715.45996,"sentiment":"positive","sentiment_score":0.4119028151035309}],"sentiment":"neutral","sentiment_score":0.11646377597935498,"num_words":96,"start":658.64,"end":715.45996},{"sentences":[{"text":"I know when right now, we're not in any place to buy a house, say, this year, but what we need to do and where we need to be before we then start that process of actually purchasing anything else.","start":715.45996,"end":729.66504,"sentiment":"neutral","sentiment_score":-0.07813174789771438},{"text":"So I thought there was something to do with being able to use your super and whatnot, but I wasn't a 100 percent 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that.","start":1564.54,"end":1568.3201,"sentiment":"neutral","sentiment_score":-0.20595910772681236},{"text":"Yeah.","start":1568.535,"end":1569.035,"sentiment":"neutral","sentiment_score":-0.1115242838859558}],"sentiment":"neutral","sentiment_score":-0.06904656054644749,"num_words":29,"start":1556.425,"end":1569.035},{"sentences":[{"text":"Definitely not.","start":1569.25,"end":1570.0,"sentiment":"neutral","sentiment_score":-0.1912747174501419},{"text":"Mhmm.","start":1575.5,"end":1576.0,"sentiment":"neutral","sentiment_score":-0.0774657279253006},{"text":"Yep.","start":1577.905,"end":1578.405,"sentiment":"neutral","sentiment_score":0.051363930106163025},{"text":"Yep.","start":1578.545,"end":1578.865,"sentiment":"neutral","sentiment_score":0.0644756406545639},{"text":"That's it.","start":1578.865,"end":1579.665,"sentiment":"neutral","sentiment_score":0.05806405656039715}],"sentiment":"neutral","sentiment_score":-0.03257821127772331,"num_words":7,"start":1569.25,"end":1579.665},{"sentences":[{"text":"100%.","start":1579.665,"end":1580.645,"sentiment":"neutral","sentiment_score":0.09765051305294035},{"text":"If I'll sell it, I'll never get another one pretty much.","start":1582.0651,"end":1584.4651,"sentiment":"neutral","sentiment_score":-0.15043576671318573},{"text":"It's just gonna be too odd.","start":1584.4651,"end":1585.765,"sentiment":"neutral","sentiment_score":-0.2904387166102727},{"text":"Yeah.","start":1595.33,"end":1595.73,"sentiment":"neutral","sentiment_score":0.021467948332428932},{"text":"Yeah.","start":1595.73,"end":1596.23,"sentiment":"neutral","sentiment_score":0.03700033575296402}],"sentiment":"neutral","sentiment_score":-0.1620653468184173,"num_words":20,"start":1579.665,"end":1596.23},{"sentences":[{"text":"Yeah.","start":1605.1699,"end":1605.6699,"sentiment":"neutral","sentiment_score":0.03869692236185074},{"text":"Not probably something that she'll be doing on five 30 three.","start":1605.735,"end":1617.356,"sentiment":"neutral","sentiment_score":0.04896799712018533},{"text":"She is fine.","start":1617.8671,"end":1620.389,"sentiment":"neutral","sentiment_score":0.07421459630131721},{"text":"Yeah.","start":1626.9,"end":1627.4,"sentiment":"neutral","sentiment_score":0.0029428433626890182},{"text":"Yeah.","start":1635.54,"end":1636.04,"sentiment":"neutral","sentiment_score":-0.2783399522304535}],"sentiment":"neutral","sentiment_score":0.03085832768941627,"num_words":17,"start":1605.1699,"end":1636.04},{"sentences":[{"text":"Yeah.","start":1649.265,"end":1649.765,"sentiment":"neutral","sentiment_score":-0.09609383344650269},{"text":"Yeah.","start":1650.145,"end":1650.54,"sentiment":"neutral","sentiment_score":-0.07504455745220184},{"text":"Yeah.","start":1650.54,"end":1651.04,"sentiment":"neutral","sentiment_score":-0.10292348265647888},{"text":"Yeah.","start":1653.74,"end":1654.24,"sentiment":"neutral","sentiment_score":-0.07525987178087234},{"text":"Shit.","start":1656.9401,"end":1657.4401,"sentiment":"neutral","sentiment_score":-0.17346546053886414}],"sentiment":"neutral","sentiment_score":-0.10455744117498397,"num_words":5,"start":1649.265,"end":1657.4401},{"sentences":[{"text":"It comes away.","start":1661.3401,"end":1662.3201,"sentiment":"neutral","sentiment_score":-0.20856545368830362},{"text":"Yeah.","start":1664.14,"end":1664.64,"sentiment":"neutral","sentiment_score":0.022688746452331543},{"text":"Unfortunately.","start":1665.5,"end":1666.0,"sentiment":"neutral","sentiment_score":-0.06105803698301315},{"text":"Yeah.","start":1679.635,"end":1679.955,"sentiment":"neutral","sentiment_score":0.1566523164510727},{"text":"Yep.","start":1679.955,"end":1680.21,"sentiment":"neutral","sentiment_score":0.1411157101392746}],"sentiment":"neutral","sentiment_score":-0.052328232143606455,"num_words":7,"start":1661.3401,"end":1680.21},{"sentences":[{"text":"Yeah.","start":1698.5449,"end":1698.945,"sentiment":"neutral","sentiment_score":0.09401492774486542},{"text":"Yeah.","start":1698.945,"end":1699.345,"sentiment":"neutral","sentiment_score":0.10003115236759186},{"text":"For sure.","start":1699.345,"end":1700.085,"sentiment":"neutral","sentiment_score":0.10970962047576904},{"text":"No.","start":1710.65,"end":1710.8099,"sentiment":"neutral","sentiment_score":-0.1198434978723526},{"text":"That should be alright.","start":1710.8099,"end":1711.61,"sentiment":"neutral","sentiment_score":-0.09552758000791073}],"sentiment":"neutral","sentiment_score":-0.00983205520444446,"num_words":9,"start":1698.5449,"end":1711.61},{"sentences":[{"text":"It's mainly just the budgeting and kind of seeing getting advice on better ways to go about it and the all buying a house thing and obviously the figuring out exactly where we need to be in this where the market is at the moment and is more about the mortgage brokers sort of things, I guess.","start":1711.61,"end":1731.505,"sentiment":"neutral","sentiment_score":-0.06730681814645466},{"text":"But, yeah, it's just pretty much a boss, I guess.","start":1731.505,"end":1735.08,"sentiment":"neutral","sentiment_score":-0.09509867448359728},{"text":"Never been never been good with money, and I think it's something changed.","start":1735.5599,"end":1739.1799,"sentiment":"neutral","sentiment_score":-0.21984784648968622},{"text":"Yep.","start":1754.225,"end":1754.725,"sentiment":"neutral","sentiment_score":0.12765882909297943},{"text":"Yep.","start":1754.785,"end":1755.285,"sentiment":"neutral","sentiment_score":0.14939457178115845}],"sentiment":"neutral","sentiment_score":-0.08985907295945941,"num_words":82,"start":1711.61,"end":1755.285},{"sentences":[{"text":"Yeah.","start":1768.08,"end":1768.4,"sentiment":"neutral","sentiment_score":0.1548359841108322},{"text":"Yeah.","start":1768.4,"end":1768.8,"sentiment":"neutral","sentiment_score":0.15267035365104675},{"text":"For sure.","start":1768.8,"end":1769.511,"sentiment":"neutral","sentiment_score":0.15188737213611603},{"text":"So, Izzy, thanks, man.","start":1775.511,"end":1776.551,"sentiment":"positive","sentiment_score":0.7212429344654083},{"text":"Have a good one.","start":1776.551,"end":1777.4509,"sentiment":"positive","sentiment_score":0.7745806276798248}],"sentiment":"positive","sentiment_score":0.5495479442179203,"num_words":12,"start":1768.08,"end":1777.4509},{"sentences":[{"text":"See you.","start":1779.191,"end":1779.511,"sentiment":"positive","sentiment_score":0.4980749189853668},{"text":"Bye.","start":1779.511,"end":1780.011,"sentiment":"neutral","sentiment_score":-0.10023797303438188}],"sentiment":"neutral","sentiment_score":0.2986372883121173,"num_words":3,"start":1779.191,"end":1780.011}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Joel speaking.\n\nChannel 0: Hi, Joel. It's Kyle calling from OQ Financial. How are you today?\n\nChannel 1: Good. Thanks, mate. Yourself?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in for a bit of a catch up.\n\nChannel 1: Yeah. Yeah. No dramas.\n\nChannel 0: Perfect. Just to get on with that one there, Joel, if I could pass you to security, that name, date of birth, and current address, we can get stuck into that today.\n\nChannel 1: Joel Anthony Gaylor, 09/26/1993, and 62 North Grove, North\n\nChannel 0: Perfect. Thanks for that one. Now I had you scheduled in regarding sort of budgeting and saving potentially purchasing your first home.\n\nChannel 1: Rockford,\n\nChannel 0: Is that correct?\n\nChannel 1: New South Wales. Yeah.\n\nChannel 0: Yep. And then in regards to that one, Joel, is there sort of something that you're trying to implement or achieve or if you've started a budget?\n\nChannel 1: I've done I've been doing for a partner, I've been doing our own budgets for, like, a while now, and it just seems that it just never works for not for myself, really. Like, to get money in my account, and there's always seems to be something that comes up that I have to fork the money up for. And yeah.\n\nChannel 0: Yep. And and then\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: also\n\nChannel 0: budget\n\nChannel 1: yeah.\n\nChannel 0: both\n\nChannel 1: I\n\nChannel 0: sides.\n\nChannel 1: I I have it. It's a pretty terrible office just spending as well.\n\nChannel 0: Yep. And then with that one, your, like, your budget that you have at the moment, do you have that, like, in a a document? Is it just something you sort of do,\n\nChannel 1: Just on\n\nChannel 0: like,\n\nChannel 1: a piece\n\nChannel 0: just\n\nChannel 1: of paper.\n\nChannel 0: yeah. Okay. So I can send you the Oak View budget planner, and it's quite like a good tool. It's just an Excel document that you can utilize to be able to implement your sort of expenditures. Now I\n\nChannel 1: Yep.\n\nChannel 0: know you did have a few things like with the car and then the personal loan. If you managed to sort of keep track with those at least in regards to paying those down.\n\nChannel 1: Yes. So the personal loan, I've actually paid off.\n\nChannel 0: Yep.\n\nChannel 1: I had about, I think, $4 or $5 left on it, like, a couple of months ago, and I've decided just to pay it off to get rid of it. So that's\n\nChannel 0: Yep.\n\nChannel 1: straight up an extra $600 a fortnight, which is which is awesome. And I've put that onto what I usually put away every fortnight into a house savings account.\n\nChannel 0: Yep. And how much do you have in that currently?\n\nChannel 1: In the house savings,\n\nChannel 0: Yep.\n\nChannel 1: the as tomorrow will be $5.\n\nChannel 0: Yep. And then do\n\nChannel 1: So\n\nChannel 0: you have\n\nChannel 1: not\n\nChannel 0: an everyday\n\nChannel 1: much.\n\nChannel 0: spendings as well?\n\nChannel 1: Yeah. Every day is spending. And then I've got so my idea was I've got a account for my son, which I put $50 a fortnight into, and that's up to about a thousand dollars now. Then I have account for, say, car expenditures, so of servicing and whatnot. I have an a savings account for general savings, which is to do with maybe more so to do with, say, like, holidays and stuff like that.\n\nWe're on a plan.\n\nChannel 0: Yep.\n\nChannel 1: And then I've got my bills account, which is just it's a card account, and then my general card account, which is what I usually pay everything off.\n\nChannel 0: Yep. And then as far as, like, your general savings, how much have you got in that one at the moment?\n\nChannel 1: Got nothing because I keep dipping into that to buy other pay for other things.\n\nChannel 0: Yep. No. Understandable. And in terms of, like, your you said your habits are quite bad at the moment. Do you set yourself aside an amount that you're trying to sort of use for discretionary spending each week, or is it just sort of here, there, everywhere?\n\nChannel 1: It's here there at the moment. I do wanna set aside money for that for\n\nChannel 0: Yep.\n\nChannel 1: and not try and stick to, say, a $100 a fortnight or $200 a fortnight just for things that aren't accounted for and, like, I guess, wants and not needs.\n\nChannel 0: Yeah. Exactly. So that's generally sort of where the expenditure comes from. Obviously, you've still got your your car, which is an expense that's coming out. But apart from, like, obviously, you set aside money there in regards to, you know, the car, and then you do have a general savings account, something for your son, the house deposit.\n\nIt just comes down to a bit of conviction in sort of what your spending habits look like and potentially for\n\nChannel 1: Yes.\n\nChannel 0: calling a few things.\n\nChannel 1: Yep.\n\nChannel 0: Now in regards to that, we can send you that that budget planner for you to be able to go through, fill out. And in that way, you can find out your bare minimum of, like, what\n\nChannel 1: Yeah.\n\nChannel 0: you need to put aside for each sort of thing, and you can sort of change it around a little bit for the different\n\nChannel 1: Yeah.\n\nChannel 0: accounts you hold and the different things you wanna do. And then you can see how much leftover and how much you're currently spending on your discretionary versus how much you should be putting towards, like, your house deposit. And then you've just gotta really sort of start sticking to those figures.\n\nChannel 1: Yeah.\n\nChannel 0: So so I can send you that document. And then if you fill it out, you can sort of send it back, and then we can have a review of it and have a conversation about that as well.\n\nChannel 1: Yep. Yeah. Of course.\n\nChannel 0: Not a problem. I'll book in a time next week because with that as well with your superannuation account, it was reviewing that one. And I know you had your interview at the end of last year, and it has taken quite a dip in regards to what's happened with the war and then also in regards to your managed fund, Benelon, you have quite a heavy portion to the actively managed account. Now back when you first came on board, you probably you know, you're still on the quite younger side of things to take on the active managed risk isn't an issue, but sort of having that much into the one active fund can when it does perform badly like Ben Long did with that underlying asset that was sort of deemed to not be reporting correctly has caused it to sort of take a bit of a downward skid in conjunction with the war as well. So we probably\n\nChannel 1: Yeah.\n\nChannel 0: need to review that and sort of look at potentially changing that out of your portfolio as well, if that makes sense.\n\nChannel 1: Yeah. Yep. Yeah. Cool.\n\nChannel 0: Perfect. So today, I'll just update all your details so your fact finds up today. I'll send you out that budget planner, and I'll get you booked in a time next week that we can discuss that.\n\nChannel 1: Yep.\n\nChannel 0: So do afternoons normally work better or mornings work better for you?\n\nChannel 1: It depends on the day because I do shift work. So next week when am I working next week? It'll be Monday, Tuesday, Wednesday, Thursday. So I'll be off Friday, Saturday, Sunday. I'll come off night shift Friday morning.\n\nSo Friday afternoon would work. I know it's Friday, and everyone wants to get out of the afternoon. But\n\nChannel 0: Yeah. I don't actually work Fridays at the moment just because I do longer days to catch people off to work generally.\n\nChannel 1: yep,\n\nChannel 0: And you said\n\nChannel 1: Wednesday\n\nChannel 0: you did\n\nChannel 1: morning might work because I'll do day shift Monday, Tuesday, and then Wednesday, Thursday night. So I've got that little bit of a lull. It's called pajama day Wednesday.\n\nChannel 0: okay. Not a problem. And then because of the time difference, it's still being around, would 10:00 work on next Wednesday?\n\nChannel 1: New South Wales time?\n\nChannel 0: Yeah. So 09:00\n\nChannel 1: Yeah.\n\nChannel 0: for us,\n\nChannel 1: That\n\nChannel 0: ten for you.\n\nChannel 1: yeah. That'll work fine. Wednesday next\n\nChannel 0: Perfect.\n\nChannel 1: week.\n\nChannel 0: I'll chuck that in for a conversation there, and I'll get that budget planner sent out to you. So if you have a chance to go through it with your partner and fill that out and then\n\nChannel 1: Yep.\n\nChannel 0: send that back\n\nChannel 1: Yeah.\n\nChannel 0: so we can have a review of it and then just sort of see where it goes. Because you're obviously on quite a a good income, and then sort of being on quite a nice income comes with the fact that your lifestyle tends to sort of creep up in terms of, like, your expenditures as well. So\n\nChannel 1: Five\n\nChannel 0: if you're looking\n\nChannel 1: seven.\n\nChannel 0: to, yeah, cut back a little bit to try and save the house and things like that, it's important you sort of might have to make a couple of sacrifices that you may have gotten used to over\n\nChannel 1: Yeah.\n\nChannel 0: the the last few years, which is a bit unfortunate. But then also, you gotta make a few sacrifices, especially\n\nChannel 1: Alrighty.\n\nChannel 0: with the housing market at the moment.\n\nChannel 1: Yeah. No. That's that's a 100%.\n\nChannel 0: Perfect. So I'll quickly go through and update everything. So I have here that you do have your your partner that you are engaged to. We don't have a name. Did you wanna check down her name, or you're happy leaving that blank?\n\nChannel 1: You can put it in name. It doesn't tie her up to anything really, does\n\nChannel 0: No.\n\nChannel 1: it?\n\nChannel 0: It's just it's just\n\nChannel 1: That's because\n\nChannel 0: the\n\nChannel 1: she's\n\nChannel 0: spouse\n\nChannel 1: not a\n\nChannel 0: name.\n\nChannel 1: customer.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Kara, k a r I.\n\nChannel 0: Yep. And then last name for that one, just\n\nChannel 1: Baker, b a k e r.\n\nChannel 0: I think that's fine. And I've got your mother down as your next of kin contact. Is that still fine?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And two, just two kids at home there?\n\nChannel 1: Yeah. So one's only with me one weekend every month, another one's full time.\n\nChannel 0: Yep. And then as far as your occupation, I know you were the leading hand. Is that sort of changed at all, or is that largely the same?\n\nChannel 1: That's the\n\nChannel 0: Yep. Any change to your duties\n\nChannel 1: same.\n\nChannel 0: at all or anything like that?\n\nChannel 1: Yeah. No. That's fine. So now\n\nChannel 0: Yep.\n\nChannel 1: computer might still might still be there.\n\nChannel 0: So about 90 office then and about sort of 10% out on the floor?\n\nChannel 1: I don't get on the tools anymore. Only when I do overtime, but pretty much my whole job is office work. I'll, like, get out and I'll walk around, and I don't really get on tools.\n\nChannel 0: Not a problem. And how long have you been doing that leading hand supervisor role, if you don't mind me asking? I just don't have that there.\n\nChannel 1: Since January.\n\nChannel 0: And then industry wise, how long have you been in the industry?\n\nChannel 1: In the 2019, so nearly seven years.\n\nChannel 0: Yeah. Roughly\n\nChannel 1: Nearly\n\nChannel 0: for\n\nChannel 1: six\n\nChannel 0: seven.\n\nChannel 1: years. I'd say six years.\n\nChannel 0: Yeah. Perfect. And are you still in the one seventy mark at the moment with sort of overtime?\n\nChannel 1: Yeah. I'd say around for that.\n\nChannel 0: Yep. And do you know what your base rate looks like?\n\nChannel 1: Base rate, I one thirty, but that doesn't factor in a few and I think that's factors in the rough surveillance. Just the way they do the e I. Okay.\n\nChannel 0: Okay. So the $1.70 is overtime plus allowances that your base is one thirty?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: 30. And then at the moment, I had you sort of you were trying to save roughly around the thousand of fortnight. Is that sort of still the same goal of what you're trying to get into, your savings or your your property sort of deposit?\n\nChannel 1: Yeah. It's always been a seven, but since I've paid this other personal loan off, I've bumped it up to 1,600 or not.\n\nChannel 0: And you paid fortnightly, sir?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And as far as super is concerned, I know you were potentially looking at maybe starting some form of salary sacrifice. Is that on the back burner for the moment?\n\nChannel 1: Yeah. I I want them to get as much money into getting a house first and then review and start doing salary stuff and forth, but it's just, yeah, one of those things I haven't haven't been so strict on myself and their spending.\n\nChannel 0: Yep. No. Understandable. And then have you sort of had a thought about, like, the first time super scheme and potentially using your super for that and doing that process as well, or you just want to do it sort of outside that environment?\n\nChannel 1: Well, my partner I've been talking about, like, the first time buyers grants and stuff like that and what our options are. We do actually wanna talk go see them all with the program in person and sit down and have a chat about it and see what our options are. I know when right now, we're not in any place to buy a house, say, this year, but what we need to do and where we need to be before we then\n\nChannel 0: Yep.\n\nChannel 1: start that process of actually purchasing anything else.\n\nChannel 0: Yeah. So\n\nChannel 1: So I thought there was something to do with being able to use your super and whatnot, but\n\nChannel 0: yeah.\n\nChannel 1: I wasn't\n\nChannel 0: So there's\n\nChannel 1: a 100\n\nChannel 0: a a few different things when people sort of refer to property and then super. So first one there is everyone is like self made super just owning a house through that, but that means you can't actually utilize it because it's, like, an arm's length rule.\n\nChannel 1: percent\n\nChannel 0: So if you\n\nChannel 1: sure.\n\nChannel 0: bought\n\nChannel 1: Yep.\n\nChannel 0: a property with your actual super balance, you wouldn't be able to actually use it for any personal uses because it's for your retirement. So the government sort of put that stipulation rule in place.\n\nChannel 1: Yeah.\n\nChannel 0: The second\n\nChannel 1: Yep.\n\nChannel 0: is that first time super saver scheme. Now with that, it's, like, through additional contributions to superannuation, and you can do up to a certain amount each year up to a number of years that you can then draw down for your deposit. Now the risk of that is is if you didn't sort of purchase a house or withdraw the funds or you couldn't find a property, you can't just pull that money back out of super so it can lock it away, which is the risk with that one as opposed to, like, having a, like, house deposit just in a high interest savings account outside of that as well.\n\nChannel 1: Yes. Yeah. Yeah.\n\nChannel 0: But, yeah, if you did wanna sort of know a little bit more about the first time super savers scheme before we speak next week. You just type, like, basically, first time super saver scheme and just click on the ATO. I can even attach that in the link with the the email I'm gonna set up with the budget planner. And you can have a bit of a read through of the requirements what you can do for that.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And then with the amount at the moment, it's, like, up to a maximum of 50,000, I believe, which given the current property market might not sort of even be enough to do the first sort of deposit if you're trying to get rid of, like, lenders mortgage insurance and things like that as\n\nChannel 1: Yeah.\n\nChannel 0: well to reach\n\nChannel 1: Yeah.\n\nChannel 0: that 20%. It could possibly be used in conjunction with, but then also carries the risk of the fact that if you're not using it for a home and decide to discontinue renting, then you sort of might have to leave it into in super if you don't\n\nChannel 1: Yeah.\n\nChannel 0: ever go down the property purchase route.\n\nChannel 1: Yeah. Excuse me. I was I think I have heard that you can use, like, some banks would allow recognize potential savings through rent. Is that a thing?\n\nChannel 0: So that all\n\nChannel 1: So\n\nChannel 0: comes\n\nChannel 1: rent\n\nChannel 0: down.\n\nChannel 1: money spent on rent.\n\nChannel 0: Yeah. So that's to do with, like, your serviceability on a loan. Say if you're like you're only like, you've got your deposit, but you're only saving, you know, like, $500 a week, but your rent's nearly equivalent to your like, what a mortgage would be, they take that into consideration to how much money they'll lend you.\n\nChannel 1: Yeah.\n\nChannel 0: Not so\n\nChannel 1: Yeah.\n\nChannel 0: much in terms of, like, just going like,\n\nChannel 1: Alright, Taylor.\n\nChannel 0: yeah. Yeah. So if you do, like, obviously pay a bit more in rent, obviously, if you move into a house with the personal primary house, you're not gonna be paying that rent. So that just helps, yeah, account for how much you can borrow and how much a bank's\n\nChannel 1: Yeah.\n\nChannel 0: willing to lend you because of how much you're willing to pay off.\n\nChannel 1: Yeah. Yeah. Fair enough.\n\nChannel 0: And there's a few other details that should update there. So you've got your personal car worth around the 12. Is that sort of still about the same?\n\nChannel 1: I would say it's probably more 10 now.\n\nChannel 0: Yep. And then the Kluger around the 43 mark with the bid\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: on? Yep. And has that loan come down a little bit as well? So at around 23, does that come off a bit?\n\nChannel 1: I'd say I haven't actually checked it since we bought it, but I'd say as well my partner has been paying that down. She hasn't missed any payments, so\n\nChannel 0: Yep. I'll just\n\nChannel 1: I'm\n\nChannel 0: knock\n\nChannel 1: not\n\nChannel 0: a\n\nChannel 1: a\n\nChannel 0: few.\n\nChannel 1: 100\n\nChannel 0: Off.\n\nChannel 1: percent sure where it'd be. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: So it doesn't make much difference. And you've still got your tools in a motorbike currently?\n\nChannel 1: Yeah. Yeah. The motorbike has just had some money spent. Hence, this is the the we're spending. I've got new wheels and well, not for it.\n\nYeah.\n\nChannel 0: Yeah. I feel that I got my bike wheels done the other day, and it cost me an arm and a leg. They're definitely cheaper\n\nChannel 1: All\n\nChannel 0: than a\n\nChannel 1: good.\n\nChannel 0: car these days. It used to go the other way where the bike's, you know, a lot cheaper, but it\n\nChannel 1: Yeah.\n\nChannel 0: feels like everything on a bike now is four times the cost of what it is on a car to\n\nChannel 1: Yeah.\n\nChannel 0: make up for the fact that there's only, you know, one or two of it.\n\nChannel 1: I cracked the rear rim, so I've just gone out and bought a whole front and rear wheel set, which is $1,200 and then tires on top. And it adds up pretty quick, and then I'll pull there's I need to do all the string out bearings and steering stem bearings and stuff. So I've got all that stuff, and I'm like, oh, I need new I need this and that, and then it it adds up real\n\nChannel 0: Yeah. Unfortunately, I'd made the mistake\n\nChannel 1: quick.\n\nChannel 0: of buying as well as they have all specialty tools, so that makes it even harder to\n\nChannel 1: Oh, wow.\n\nChannel 0: work on it yourself. So\n\nChannel 1: Wow.\n\nChannel 0: yeah. Not that it was a a crazy one, but in saying that, even the cheaper Ducatis when it comes to servicing them, they are not\n\nChannel 1: Yeah. Yeah. 100%. Well, I'm just a dirt box. I've not I know any of that for our smart bot.\n\nChannel 0: cheap. Yeah. Well, funnily enough, it was probably only 15 when I bought the the street legal one, but I swear every\n\nChannel 1: Yeah.\n\nChannel 0: time I take it down there, it needs a few things that are gonna\n\nChannel 1: Okay.\n\nChannel 0: break the bank.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But\n\nChannel 1: The\n\nChannel 0: they're\n\nChannel 1: motor\n\nChannel 0: good\n\nChannel 1: box is\n\nChannel 0: fun.\n\nChannel 1: definitely\n\nChannel 0: So\n\nChannel 1: not a cheap cheap hobby.\n\nChannel 0: no.\n\nChannel 1: Yeah. They are definitely good fun.\n\nChannel 0: And then with regards to your your son's account too, is that just in your name and you just put it aside for your son?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. Because there are, like, investments that you can do, like investment bonds for your kids and stuff as well where it's\n\nChannel 1: Oh,\n\nChannel 0: basically\n\nChannel 1: yeah.\n\nChannel 0: much like having super you've got the funds invested. And then with a bond, because it's owned by the company, they actually pay a lower tax rate as to yourself. So, obviously, any interest earned on obviously, it's not a huge amount at the moment, but any interest earned on that thousand dollars, it basically adds to your income with the interest.\n\nChannel 1: Yes.\n\nChannel 0: And if you end up having, you know, quite a bit of money in there over the next sort of ten to fifteen sort of years, that interest on that can sort of, you know, get taxed at your your higher marginal tax rate as opposed to being in, like, an investment environment. That's sort of more beneficial.\n\nChannel 1: Yeah.\n\nChannel 0: So instead of being taxed at, like, 37% plus, like, your Medicare, you can sort of get that down at least the company tax rate 30% as a minimum and then actually\n\nChannel 1: Yep.\n\nChannel 0: do things to be able to reduce taxes as well throughout the life of the bond. And if you hold it for ten years, the distribution becomes\n\nChannel 1: Yeah.\n\nChannel 0: actually tax free to the holder. So you can, like, set that up for your child to continue to put your money into that investment. And even if you get to a point where you can't add to it anymore, you can still leave it. It remains invested into an investment option and account.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: Right\n\nChannel 0: time times, yeah, they go past ten years, they can sort of draw down it for, like, first car, you know, education, things like that as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Is that something\n\nChannel 1: Is\n\nChannel 0: you\n\nChannel 1: there much risk\n\nChannel 0: question?\n\nChannel 1: in those sort of the same risk as that it's susceptible to the market, like Azure Super.\n\nChannel 0: Yeah. So there's different investment options within that. You can do, like, a really sort of just base option and just do, like, a Vanguard investment, and that's sort of the, you know, that long term low cost passive index investing. You're not trying to outperform the market. You're just trying to track the market over the time you've got it invested because you're investing for that long period of time.\n\nChannel 1: Yeah.\n\nChannel 0: Or you can go slightly more risky with the different sort of managed funds within the as underlying investments. But much like superannuation, the same sort of risk as having your money in super as to having it in one of those bonds. Like, they can go up and down with the markets as well.\n\nChannel 1: Yeah. Yeah. Right.\n\nChannel 0: But in saying that, like, the cash rates is dependent on what the the banks have it at and the interest you're earning on it anyway. And as the cash, like, or\n\nChannel 1: Yeah.\n\nChannel 0: interest rate comes down, obviously, that comes down. And as it goes up, it goes up. But then also inflation's generally at or nearly probably higher in recent years than what you're getting in interest anyway. So your money's kind of devaluing in terms of, like, your spending power anyway, just sitting in cash.\n\nChannel 1: Yeah. So so if I take out five finance bonds for, say, a fifteen year term, am I able to say things go bad on, like, something happens and I need that money? Can I get that money back?\n\nChannel 0: Yeah. So with those investments, if you, like, it's not like a set term figure. It's just the bond itself, and the bond runs up until, like, the age of I can't remember the exact figure. It depends on the providers as well. But in saying that, you just hold the bond for as long as you want.\n\nIf you take it out before the ten years, you've just gotta play all the applicable tax that's, like, this capital gains and things like that for the sell down\n\nChannel 1: Yeah.\n\nChannel 0: of that, much like if you had any money invested outside of that anyway.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: if you sort of even decide to open up an investment account on the side in your own name for your kid, same sort of thing, though, any capital gains and sort of interest earned or dividends still forms part of your individual tax return. But once in the bond environment, they deal with all that. And then it's not until you want the money that you have to worry about it. And if you hold it for the ten years, you get the benefit of it being a tax free distribution. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Yeah. Okay.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: you did need the money early, you can just basically pull the bond and just pay all the applicable taxes associated with it to be able to access those funds.\n\nChannel 1: Yeah. Yeah. Right on. Cool. That's good to know because I've gotta set up an account for my daughter as well.\n\nBut if I was to go down that sort of path, I could just say, hold on two separate and fund a thousand dollars in each and then just pay for $50 a fortnight or a $100 a fortnight or whatever, and then just\n\nChannel 0: Yeah.\n\nChannel 1: keep that rolling\n\nChannel 0: Basically.\n\nChannel 1: until\n\nChannel 0: And I'm pretty\n\nChannel 1: they\n\nChannel 0: sure\n\nChannel 1: turn\n\nChannel 0: the\n\nChannel 1: 18, essentially.\n\nChannel 0: yeah. The minimum, I think, is only, like, $50 a month. So across the two kids, it only works out to be, like, a $100 across that, which is, like, your $25 a week that you'd be putting\n\nChannel 1: Yeah.\n\nChannel 0: towards those accounts if as, like, a minimum.\n\nChannel 1: Yep. Yeah. Alright. So who provides these spots? Is it something that\n\nChannel 0: So we\n\nChannel 1: more,\n\nChannel 0: can make\n\nChannel 1: like,\n\nChannel 0: that\n\nChannel 1: hub\n\nChannel 0: as\n\nChannel 1: 20\n\nChannel 0: a record\n\nChannel 1: four or whatever?\n\nChannel 0: So there's different providers for those. It is separate to, like, Hub twenty four. They have, like,\n\nChannel 1: Yep.\n\nChannel 0: IDPS accounts, but not investment bonds. So\n\nChannel 1: Yep.\n\nChannel 0: as part of the recommendation, there will obviously, we can review your budget plan, and next week can include some, like, cash flow budgeting type advice. And then we can look at the child bonds there in conjunction with that, and then just, like, an investment review as well just of your account and investments to\n\nChannel 1: Yeah.\n\nChannel 0: ensure that if any\n\nChannel 1: Mhmm.\n\nChannel 0: changes need to be made, we can make those as well.\n\nChannel 1: Yeah. Right on.\n\nChannel 0: But we can have a bit more of a conversation around the investment side of things and doing a risk profile next week when you've got the budget planning completed, and we can have a bit of a conversation around it.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: No problem. But as far as your insurance is concerned, you're pretty happy with your level of insurance cover and everything at the moment until such time you potentially, you know, purchase a house and things like that?\n\nChannel 1: Yeah. Yep. Yeah. Yeah. I've been thinking of, not adding extra, like, home contents insurance and stuff like that, but I don't think I'll do it until I do get a home, and then I'll just\n\nChannel 0: Yeah. So with, obviously,\n\nChannel 1: bundle\n\nChannel 0: the retail cover that's, like, for your lifetime, just the income protection, you can, like,\n\nChannel 1: everything\n\nChannel 0: even look at potentially trauma insurance. As far as, like, those other\n\nChannel 1: together.\n\nChannel 0: general insurances. We don't make recommendation on those, but you can obviously put\n\nChannel 1: Oh,\n\nChannel 0: those\n\nChannel 1: okay.\n\nChannel 0: in conjunction\n\nChannel 1: Yeah.\n\nChannel 0: with that to make sure you got yourself adequately protect protected. And like you said, if you have a home, generally, you've got some sort of, like, home end contents in the event\n\nChannel 1: Yeah.\n\nChannel 0: anything did happen anyway.\n\nChannel 1: Yeah. Yeah. So I'm still currently covered as so I've got my block, death, and PPD\n\nChannel 0: And income\n\nChannel 1: as\n\nChannel 0: protection.\n\nChannel 1: a part of me an income protection. I I don't think of the word, but I've been income protection as well\n\nChannel 0: That's\n\nChannel 1: through\n\nChannel 0: all\n\nChannel 1: my super.\n\nChannel 0: through through Clearview paid for you through your super at the moment. Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. So that's still\n\nChannel 0: Yeah.\n\nChannel 1: what was it? Like, 800 pears or 700 pears or something on top of four\n\nChannel 0: Six\n\nChannel 1: for\n\nChannel 0: 100\n\nChannel 1: death and\n\nChannel 0: 70\n\nChannel 1: TPD?\n\nChannel 0: three,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, of the life and TPD and as a monthly benefit around $7,198. Obviously, that's, like, pretax dollars, which you can sort of review as well as a part of that, like, when you do wanna review it to see if that still adequately meets your needs because you can cover up to, like, 70% of your income.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Obviously,\n\nChannel 0: then given\n\nChannel 1: it's more\n\nChannel 0: that,\n\nChannel 1: expensive.\n\nChannel 0: yeah. Exactly. And then if, like, the amount that you're covered for covers the bills and things like that, you don't have to do up to 70% of what your your income is, but you could increase that given how much you're taking home. I think it's\n\nChannel 1: Yeah.\n\nChannel 0: sort of mainly was originally based probably more on your your base rate as opposed to, like, what's included with the overtime and your allowances and things like that\n\nChannel 1: Yeah.\n\nChannel 0: anyway.\n\nChannel 1: I think with someone that if I do get injured, then I can't work for for any reason, I pretty much would only wanna cover the necessities. I don't wanna be I don't want that 70% because then that's no. Obviously, not on the fence to hurt themselves. That's why we get these covers, but I don't really wanna be paying too much into it when I don't need to. I don't need that level of cover.\n\nChannel 0: Exactly. And then also, like you said, like, you don't want to be injured and you want to be sort of back at work, which is the the main thing there. And then also in conjunction with that, if you are injured, you're probably not going out and doing, like, your normal activities as well, so your expenses do come down a bit generally as well.\n\nChannel 1: Yeah. Also, I gotta narrow it off up and fog off through those\n\nChannel 0: Yeah.\n\nChannel 1: four fifth if I need to, if it comes down to\n\nChannel 0: Probably your back pocket\n\nChannel 1: it.\n\nChannel 0: might thank you for it, but at least your weekends\n\nChannel 1: Yeah.\n\nChannel 0: will be a bit\n\nChannel 1: Yeah.\n\nChannel 0: bit more boring. So\n\nChannel 1: The missus would probably thank me for it too.\n\nChannel 0: yeah. Yeah. Well, that's the thing. It's not for them, is it?\n\nChannel 1: No. That's it. Anytime we go think about money, so I could always sell the bar and all that. Yeah. Definitely not.\n\nChannel 0: The thing is too is that, like, you know, you'd be home on the weekend, then she'd be like, why don't you go out and do something? Then you're sitting on the\n\nChannel 1: Mhmm.\n\nChannel 0: couch. She'd be like, you made me sell my bike. So\n\nChannel 1: Yep. Yep. That's it. 100%.\n\nChannel 0: and\n\nChannel 1: If\n\nChannel 0: then\n\nChannel 1: I'll\n\nChannel 0: as\n\nChannel 1: sell it,\n\nChannel 0: far\n\nChannel 1: I'll\n\nChannel 0: as\n\nChannel 1: never get another one pretty much. It's just gonna be too odd.\n\nChannel 0: yeah. That's a problem with having kids in that as well, isn't it? It's just like there's always something that can be spent on them as opposed to going out and buying a thousand north to $5,000 new bike.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then in regards to state planning there, have you managed to get around to drawing up a will with your partner and everything?\n\nChannel 1: Yeah. Not probably something that she'll\n\nChannel 0: Yep.\n\nChannel 1: be\n\nChannel 0: Obviously, you\n\nChannel 1: doing\n\nChannel 0: do have\n\nChannel 1: on\n\nChannel 0: the beneficiary nomination\n\nChannel 1: five\n\nChannel 0: on\n\nChannel 1: 30\n\nChannel 0: your your accounts in\n\nChannel 1: three.\n\nChannel 0: regards to like,\n\nChannel 1: She\n\nChannel 0: if anything happened with that. But,\n\nChannel 1: is\n\nChannel 0: obviously, in regards\n\nChannel 1: fine.\n\nChannel 0: to your assets outside of that, it forms part of your estate versus, like, your non estate super assets.\n\nChannel 1: Yeah.\n\nChannel 0: Now the probably biggest thing with that is is, like, I'm assuming given your one of your kids doesn't stay with you, so you have a separate ex partner as well.\n\nChannel 1: Yeah.\n\nChannel 0: Unfortunately, when things like that do happen, obviously, money brings out the worst in people, and you'd rather have it in a document than sort of whoever's left squabbling over what is left to to get their hands on.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Not\n\nChannel 1: Yeah.\n\nChannel 0: to say that everything probably, you know, is amicable or not, but,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, it's just more often than not even families that\n\nChannel 1: Shit.\n\nChannel 0: aren't sort of fighting or anything like that. There's still squabbles, after\n\nChannel 1: It comes\n\nChannel 0: someone\n\nChannel 1: away.\n\nChannel 0: goes. Yeah. Exactly.\n\nChannel 1: Yeah. Unfortunately.\n\nChannel 0: No problem. We'll make a note of that as well just to something to be included just to give you a general reminder for wheels in The States, and we can also send you through some lawyer information of a locals listed just in regards to general pricing if you wanna have a look at that as well.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. And then I should mention to you, like, obviously, you do have access to the mortgage brokers here. Like you said, you're probably not in the process of looking just yet in terms of that, and you want to go see someone in person. So if you did wanna have a chat with someone just over the phone or things like that, we can refer you to one of the people that we've worked with as well.\n\nChannel 1: Yeah. Yeah. For sure.\n\nChannel 0: Not a problem. But is there anything else there that you wanted to have a discussion there about today there, Joel, before I let you go away with that and then come back next week?\n\nChannel 1: No. That should be alright. It's mainly just the budgeting and kind of seeing getting advice on better ways to go about it and the all buying a house thing and obviously the figuring out exactly where we need to be in this where the market is at the moment and is more about the mortgage brokers sort of things, I guess. But, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: it's just pretty much a boss, I guess. Never been never been good with money, and I think it's something changed.\n\nChannel 0: Yeah. Completely understand. So, obviously, we'll have a a look at that and look at getting your advice updated and then also look at that cash flow by James. So you can potentially cut back a little bit to help sort of build that deposit up to sort of give you a chance to get into the market.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Not a problem. If you do think of anything else, obviously, just, you know, write the questions down. We can have a discussion about it next week, but we'll go a bit more in-depth in regards to the investments and everything there and then sort of review that budget planner with you.\n\nChannel 1: Yeah. Yeah. For sure.\n\nChannel 0: No problem. Well, thanks for your time this morning, Joe, or this afternoon, I should say, for you, and I'll see you next week.\n\nChannel 1: So, Izzy, thanks, man. Have a good one.\n\nChannel 0: Sounds good. Thank you. Bye.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.76,"end":1.92,"sentiment":"neutral","sentiment_score":0.03015260025858879},{"text":"Joel speaking.","start":1.92,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.030048761516809464}],"sentiment":"neutral","sentiment_score":0.030083374430735905,"channel":1,"num_words":3,"start":1.76,"end":2.6599998},{"sentences":[{"text":"Hi, Joel.","start":3.9199998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.1383032649755478},{"text":"It's Kyle calling from OQ Financial.","start":4.3199997,"end":6.08,"sentiment":"neutral","sentiment_score":0.1687700276573499},{"text":"How are you today?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.18603413552045822}],"sentiment":"neutral","sentiment_score":0.16944693649808565,"channel":0,"num_words":12,"start":3.9199998,"end":6.8999996},{"sentences":[{"text":"Good.","start":7.04,"end":7.3599997,"sentiment":"positive","sentiment_score":0.505151093006134},{"text":"Thanks, mate.","start":7.3599997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5299536883831024},{"text":"Yourself?","start":7.9199996,"end":8.42,"sentiment":"neutral","sentiment_score":0.3122729957103729}],"sentiment":"positive","sentiment_score":0.46933286637067795,"channel":1,"num_words":4,"start":7.04,"end":8.42},{"sentences":[{"text":"Yeah.","start":8.639999,"end":9.12,"sentiment":"neutral","sentiment_score":0.16003254055976868},{"text":"Not too bad at all.","start":9.12,"end":9.92,"sentiment":"neutral","sentiment_score":0.23708173632621765},{"text":"Thanks for asking.","start":9.92,"end":10.48,"sentiment":"positive","sentiment_score":0.5391399065653483},{"text":"I just scheduled in for a bit of a catch up.","start":10.48,"end":12.015,"sentiment":"neutral","sentiment_score":0.18787211586128583}],"sentiment":"neutral","sentiment_score":0.2514727108180523,"channel":0,"num_words":20,"start":8.639999,"end":12.015},{"sentences":[{"text":"Yeah.","start":12.559999,"end":12.96,"sentiment":"neutral","sentiment_score":0.09147989749908449},{"text":"Yeah.","start":12.96,"end":13.28,"sentiment":"neutral","sentiment_score":0.09174422174692154},{"text":"No dramas.","start":13.28,"end":13.905,"sentiment":"neutral","sentiment_score":0.08553187549114227}],"sentiment":"neutral","sentiment_score":0.08857196755707264,"channel":1,"num_words":4,"start":12.559999,"end":13.905},{"sentences":[{"text":"Perfect.","start":14.495001,"end":14.995001,"sentiment":"positive","sentiment_score":0.414798766374588},{"text":"Just to get on with that one there, Joel, if I could pass you to security, that name, date of birth, and current address, we can get stuck into that today.","start":15.295,"end":21.075,"sentiment":"neutral","sentiment_score":0.240134431469825}],"sentiment":"neutral","sentiment_score":0.24559269193559885,"channel":0,"num_words":32,"start":14.495001,"end":21.075},{"sentences":[{"text":"Joel Anthony Gaylor, 09/26/1993, and 62 North Grove, North","start":21.585,"end":27.445,"sentiment":"neutral","sentiment_score":0.07030065026548174}],"sentiment":"neutral","sentiment_score":0.07030065026548174,"channel":1,"num_words":9,"start":21.585,"end":27.445},{"sentences":[{"text":"Perfect.","start":29.630001,"end":29.95,"sentiment":"neutral","sentiment_score":0.3095173239707947},{"text":"Thanks for that one.","start":29.95,"end":30.990002,"sentiment":"positive","sentiment_score":0.5998717695474625},{"text":"Now I had you scheduled in regarding sort of budgeting and saving potentially purchasing your first home.","start":30.990002,"end":37.71,"sentiment":"neutral","sentiment_score":0.14377159274676266}],"sentiment":"neutral","sentiment_score":0.2342327944934368,"channel":0,"num_words":22,"start":29.630001,"end":37.71},{"sentences":[{"text":"Rockford,","start":37.54,"end":38.04,"sentiment":"neutral","sentiment_score":0.020497862249612808}],"sentiment":"neutral","sentiment_score":0.020497862249612808,"channel":1,"num_words":1,"start":37.54,"end":38.04},{"sentences":[{"text":"Is that correct?","start":37.71,"end":38.565,"sentiment":"neutral","sentiment_score":0.03325131659706434}],"sentiment":"neutral","sentiment_score":0.03325131659706434,"channel":0,"num_words":3,"start":37.71,"end":38.565},{"sentences":[{"text":"New South Wales.","start":38.18,"end":39.7,"sentiment":"neutral","sentiment_score":0.013154604472219944},{"text":"Yeah.","start":39.7,"end":39.945,"sentiment":"neutral","sentiment_score":0.0595804899930954}],"sentiment":"neutral","sentiment_score":0.024761075852438807,"channel":1,"num_words":4,"start":38.18,"end":39.945},{"sentences":[{"text":"Yep.","start":40.965,"end":41.465,"sentiment":"neutral","sentiment_score":0.057244762778282166},{"text":"And then in regards to that one, Joel, is there sort of something that you're trying to implement or achieve or if you've started a budget?","start":41.684998,"end":49.225,"sentiment":"neutral","sentiment_score":0.013184935320168734}],"sentiment":"neutral","sentiment_score":0.014816780781580342,"channel":0,"num_words":27,"start":40.965,"end":49.225},{"sentences":[{"text":"I've done I've been doing for a partner, I've been doing our own budgets for, like, a while now, and it just seems that it just never works for not for myself, really.","start":50.025,"end":60.76,"sentiment":"neutral","sentiment_score":-0.1897933380396077},{"text":"Like, to get money in my account, and there's always seems to be something that comes up that I have to fork the money up for.","start":60.76,"end":69.66501,"sentiment":"neutral","sentiment_score":-0.19815167440817907},{"text":"And yeah.","start":69.66501,"end":70.685005,"sentiment":"neutral","sentiment_score":-0.060343993827700615}],"sentiment":"neutral","sentiment_score":-0.18911166684549363,"channel":1,"num_words":61,"start":50.025,"end":70.685005},{"sentences":[{"text":"Yep.","start":70.915,"end":71.315,"sentiment":"neutral","sentiment_score":-0.03424176573753357},{"text":"And and 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I have it.","start":73.785,"end":74.265,"sentiment":"neutral","sentiment_score":-0.14104614779353142},{"text":"It's a pretty terrible office just spending as well.","start":74.265,"end":77.485,"sentiment":"negative","sentiment_score":-0.43705947200457257}],"sentiment":"negative","sentiment_score":-0.34597844917040604,"channel":1,"num_words":13,"start":73.785,"end":77.485},{"sentences":[{"text":"Yep.","start":77.97,"end":78.45,"sentiment":"neutral","sentiment_score":-0.04273006319999695},{"text":"And then with that one, your, like, your budget that you have at the moment, do you have that, like, in a a document?","start":78.45,"end":83.33,"sentiment":"neutral","sentiment_score":-0.02358264398450653},{"text":"Is it just something you sort of do,","start":83.33,"end":85.270004,"sentiment":"neutral","sentiment_score":-0.016610225779004395}],"sentiment":"neutral","sentiment_score":-0.02247258560788451,"channel":0,"num_words":33,"start":77.97,"end":85.270004},{"sentences":[{"text":"Just 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chance to get into the market.","start":1746.985,"end":1753.5801,"sentiment":"neutral","sentiment_score":0.20555540251320806}],"sentiment":"neutral","sentiment_score":0.21504172451537232,"channel":0,"num_words":58,"start":1739.785,"end":1753.5801},{"sentences":[{"text":"Yep.","start":1754.225,"end":1754.725,"sentiment":"neutral","sentiment_score":0.12765882909297943},{"text":"Yep.","start":1754.785,"end":1755.285,"sentiment":"neutral","sentiment_score":0.14939457178115845}],"sentiment":"neutral","sentiment_score":0.13852670043706894,"channel":1,"num_words":2,"start":1754.225,"end":1755.285},{"sentences":[{"text":"Not a problem.","start":1756.12,"end":1756.9401,"sentiment":"positive","sentiment_score":0.34862564007441205},{"text":"If you do think of anything else, obviously, just, you know, write the questions down.","start":1757.0801,"end":1760.12,"sentiment":"neutral","sentiment_score":0.19706225196520488},{"text":"We can have a discussion about it next week, but we'll go a bit more in-depth in regards to the investments and everything there and then sort of review that budget planner with you.","start":1760.12,"end":1768.115,"sentiment":"neutral","sentiment_score":0.169300408266923}],"sentiment":"neutral","sentiment_score":0.1876543188610902,"channel":0,"num_words":52,"start":1756.12,"end":1768.115},{"sentences":[{"text":"Yeah.","start":1768.08,"end":1768.4,"sentiment":"neutral","sentiment_score":0.1548359841108322},{"text":"Yeah.","start":1768.4,"end":1768.8,"sentiment":"neutral","sentiment_score":0.15267035365104675},{"text":"For sure.","start":1768.8,"end":1769.511,"sentiment":"neutral","sentiment_score":0.15188737213611603}],"sentiment":"neutral","sentiment_score":0.15282027050852776,"channel":1,"num_words":4,"start":1768.08,"end":1769.511},{"sentences":[{"text":"No problem.","start":1770.071,"end":1770.551,"sentiment":"positive","sentiment_score":0.4210902750492096},{"text":"Well, thanks for your time this morning, Joe, or this afternoon, I should say, for you, and I'll see you next week.","start":1770.551,"end":1775.291,"sentiment":"positive","sentiment_score":0.6245087412270632}],"sentiment":"positive","sentiment_score":0.6075572023789088,"channel":0,"num_words":24,"start":1770.071,"end":1775.291},{"sentences":[{"text":"So, Izzy, thanks, man.","start":1775.511,"end":1776.551,"sentiment":"positive","sentiment_score":0.7212429344654083},{"text":"Have a good one.","start":1776.551,"end":1777.4509,"sentiment":"positive","sentiment_score":0.7745806276798248}],"sentiment":"positive","sentiment_score":0.7479117810726166,"channel":1,"num_words":8,"start":1775.511,"end":1777.4509},{"sentences":[{"text":"Sounds good.","start":1777.511,"end":1778.071,"sentiment":"positive","sentiment_score":0.7895574569702148},{"text":"Thank you.","start":1778.071,"end":1778.551,"sentiment":"positive","sentiment_score":0.7500585913658142},{"text":"Bye.","start":1778.551,"end":1779.051,"sentiment":"positive","sentiment_score":0.4931477904319763}],"sentiment":"positive","sentiment_score":0.7144759774208069,"channel":0,"num_words":5,"start":1777.511,"end":1779.051},{"sentences":[{"text":"See you.","start":1779.191,"end":1779.511,"sentiment":"positive","sentiment_score":0.4980749189853668},{"text":"Bye.","start":1779.511,"end":1780.011,"sentiment":"neutral","sentiment_score":-0.10023797303438188}],"sentiment":"neutral","sentiment_score":0.2986372883121173,"channel":1,"num_words":3,"start":1779.191,"end":1780.011}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial discuss budgeting and saving for Joel's first home. They provide a budget planner for Joel to fill out and review, and schedule a review for next week. The agent provides information on savings and options for working on a personal loan, updates Joel's information, and discusses investment options and risk factors. They emphasize the benefits of investing in a long-term plan and the importance of covering expenses and not being injured while traveling. The speakers also mention the possibility of selling a bike and updating Joel's budget and cash flow."},"intents":{"segments":[{"text":"I just scheduled in for a bit of a catch up. Yeah.","start_word":28,"end_word":39,"intents":[{"intent":"Schedule a catch up","confidence_score":0.07938652}]},{"text":"And in terms of, like, your you said your habits are quite bad at the moment.","start_word":599,"end_word":614,"intents":[{"intent":"Review spending habits","confidence_score":0.00074273825}]},{"text":"need to review that and sort of look at potentially changing that out of your portfolio as well, if that makes sense. Yeah.","start_word":1097,"end_word":1119,"intents":[{"intent":"Discuss portfolio","confidence_score":0.09128584}]},{"text":"So today, I'll just update all your details so your fact finds up today. I'll send you out that budget planner, and I'll get you booked in a time next week that we can discuss that.","start_word":1124,"end_word":1159,"intents":[{"intent":"Schedule meeting","confidence_score":0.03935572}]},{"text":"So today, I'll just update all your details so your fact finds up today. I'll send you out that budget planner, and I'll get you booked in a time next week that we can discuss that. Yep.","start_word":1124,"end_word":1160,"intents":[{"intent":"Update details","confidence_score":0.3008466}]},{"text":"So if you have a chance to go through it with your partner and fill that out and then Yep.","start_word":1350,"end_word":1369,"intents":[{"intent":"Fill out with information","confidence_score":0.020935757}]},{"text":"so we can have a review of it and then just sort of see where it goes. Because you're obviously on quite a a good income, and then sort of being on quite a nice income comes with the fact that your lifestyle tends to sort of creep up in terms of, like, your expenditures as well.","start_word":1374,"end_word":1430,"intents":[{"intent":"Review income and lifestyle","confidence_score":0.18747842}]},{"text":"to, yeah, cut back a little bit to try and save the house and things like that, it's important you sort of might have to make a couple of sacrifices that you may have gotten used to over Yeah.","start_word":1437,"end_word":1475,"intents":[{"intent":"Make sacrifices","confidence_score":0.43157557}]},{"text":"So I have here that you do have your your partner that you are engaged to. We don't have a name. Did you wanna check down her name, or you're happy leaving that blank? You can put it in name. It doesn't tie her up to anything really, does No. it? It's just it's just That's because the she's spouse not a name. customer.","start_word":1519,"end_word":1582,"intents":[{"intent":"Update partner and spouse","confidence_score":0.004337914}]},{"text":"And I've got your mother down as your next of kin contact. Is that still fine? Yeah.","start_word":1610,"end_word":1626,"intents":[{"intent":"Confirm contact","confidence_score":0.0061846976}]},{"text":"And then as far as your occupation, I know you were the leading hand. Is that sort of changed at all, or is that largely the same?","start_word":1653,"end_word":1679,"intents":[{"intent":"Clarify role","confidence_score":0.0005390031}]},{"text":"And then as far as your occupation, I know you were the leading hand. Is that sort of changed at all, or is that largely the same? That's the Yep.","start_word":1653,"end_word":1682,"intents":[{"intent":"Discuss changes to occupation","confidence_score":0.00012239357}]},{"text":"Any change to your duties same. at all or anything like that? Yeah.","start_word":1683,"end_word":1695,"intents":[{"intent":"Determine changes to duties","confidence_score":0.0005486385}]},{"text":"So about 90 office then and about sort of 10% out on the floor?","start_word":1710,"end_word":1723,"intents":[{"intent":"Discuss office schedule","confidence_score":0.0149362255}]},{"text":"And then industry wise, how long have you been in the industry?","start_word":1788,"end_word":1799,"intents":[{"intent":"Inquire about industry experience","confidence_score":0.23001939}]},{"text":"And then at the moment, I had you sort of you were trying to save roughly around the thousand of fortnight. Is that sort of still the same goal of what you're trying to get into, your savings or your your property sort of deposit? Yeah.","start_word":1900,"end_word":1945,"intents":[{"intent":"Discuss cost savings","confidence_score":0.00213362}]},{"text":"And as far as super is concerned, I know you were potentially looking at maybe starting some form of salary sacrifice. Is that on the back burner for the moment? Yeah.","start_word":1975,"end_word":2005,"intents":[{"intent":"Inquire about salary sacrifice","confidence_score":0.009888762}]},{"text":"I I want them to get as much money into getting a house first and then review and start doing salary stuff and forth, but it's just, yeah, one of those things I haven't haven't been so strict on myself and their spending. Yep.","start_word":2006,"end_word":2049,"intents":[{"intent":"Discuss house purchase","confidence_score":0.0061596115}]},{"text":"And then have you sort of had a thought about, like, the first time super scheme and potentially using your super for that and doing that process as well, or you just want to do it sort of outside that environment?","start_word":2053,"end_word":2093,"intents":[{"intent":"Discuss super scheme and options","confidence_score":0.06240493}]},{"text":"Well, my partner I've been talking about, like, the first time buyers grants and stuff like that and what our options are.","start_word":2093,"end_word":2114,"intents":[{"intent":"Discuss super options","confidence_score":0.007568493}]},{"text":"is that first time super saver scheme. Now with that, it's, like, through additional contributions to superannuation, and you can do up to a certain amount each year up to a number of years that you can then draw down for your deposit.","start_word":2305,"end_word":2347,"intents":[{"intent":"Discuss the benefit of super saving","confidence_score":0.00025871632},{"intent":"Suggest additional contributions to superannuation","confidence_score":0.00018408184},{"intent":"Clarify super saver scheme","confidence_score":0.000043008073}]},{"text":"Now the risk of that is is if you didn't sort of purchase a house or withdraw the funds or you couldn't find a property, you can't just pull that money back out of super so it can lock it away, which is the risk with that one as opposed to, like, having a, like, house deposit just in a high interest savings account outside of that as well. Yes. Yeah.","start_word":2348,"end_word":2418,"intents":[{"intent":"Understand the risks of using super","confidence_score":0.000015476571}]},{"text":"So there's different investment options within that. You can do, like, a really sort of just base option and just do, like, a Vanguard investment, and that's sort of the, you know, that long term low cost passive index investing. You're not trying to outperform the market. You're just trying to track the market over the time you've got it invested because you're investing for that long period of time.","start_word":3619,"end_word":3688,"intents":[{"intent":"Inform about investment options","confidence_score":0.032491293}]},{"text":"So so if I take out five finance bonds for, say, a fifteen year term, am I able to say things go bad on, like, something happens and I need that money? Can I get that money back? Yeah.","start_word":3837,"end_word":3875,"intents":[{"intent":"Discuss investment goals","confidence_score":0.0024333321},{"intent":"Explain financial planning","confidence_score":0.0027938979}]},{"text":"So with those investments, if you, like, it's not like a set term figure. It's just the bond itself, and the bond runs up until, like, the age of I can't remember the exact figure.","start_word":3875,"end_word":3909,"intents":[{"intent":"Clarify bond terms","confidence_score":0.0030495424}]},{"text":"And if you hold it for the ten years, you get the benefit of it being a tax free distribution. Yeah.","start_word":4052,"end_word":4072,"intents":[{"intent":"Report tax benefits","confidence_score":0.00017407569}]},{"text":"as part of the recommendation, there will obviously, we can review your budget plan, and next week can include some, like, cash flow budgeting type advice. And then we can look at the child bonds there in conjunction with that, and then just, like, an investment review as well just of your account and investments to Yeah.","start_word":4289,"end_word":4345,"intents":[{"intent":"Discuss investment review","confidence_score":0.0023182223}]},{"text":"But we can have a bit more of a conversation around the investment side of things and doing a risk profile next week when you've got the budget planning completed, and we can have a bit of a conversation around it. Yeah.","start_word":4365,"end_word":4406,"intents":[{"intent":"Arrange discussion","confidence_score":0.0019230518}]},{"text":"But as far as your insurance is concerned, you're pretty happy with your level of insurance cover and everything at the moment until such time you potentially, you know, purchase a house and things like that? Yeah.","start_word":4410,"end_word":4446,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.25106767}]},{"text":"yeah, of the life and TPD and as a monthly benefit around $7,198. Obviously, that's, like, pretax dollars, which you can sort of review as well as a part of that, like, when you do wanna review it to see if that still adequately meets your needs because you can cover up to, like, 70% of your income. Yeah.","start_word":4663,"end_word":4721,"intents":[{"intent":"Analyze benefits","confidence_score":0.00014744577}]},{"text":"And then also, like you said, like, you don't want to be injured and you want to be sort of back at work, which is the the main thing there. And then also in conjunction with that, if you are injured, you're probably not going out and doing, like, your normal activities as well, so your expenses do come down a bit generally as well. Yeah.","start_word":4888,"end_word":4953,"intents":[{"intent":"Prepare will","confidence_score":0.00005134192}]},{"text":"And then also in conjunction with that, if you are injured, you're probably not going out and doing, like, your normal activities as well, so your expenses do come down a bit generally as well. Yeah.","start_word":4917,"end_word":4952,"intents":[{"intent":"Reduce expenses","confidence_score":0.07992531}]},{"text":"Anytime we go think about money, so I could always sell the bar and all that. Yeah. Definitely not. The thing is too is that, like, you know, you'd be home on the weekend, then she'd be like, why don't you go out and do something? Then you're sitting on the Mhmm. couch. She'd be like, you made me sell my bike. So Yep. Yep.","start_word":5026,"end_word":5090,"intents":[{"intent":"Sell the bike","confidence_score":0.0028308546}]},{"text":"It's mainly just the budgeting and kind of seeing getting advice on better ways to go about it and the all buying a house thing and obviously the figuring out exactly where we need to be in this where the market is at the moment and is more about the mortgage brokers sort of things, I guess. But, yeah, Yeah.","start_word":5543,"end_word":5602,"intents":[{"intent":"Discuss budgeting and mortgage brokers","confidence_score":0.23128316}]}]},"sentiments":{"segments":[{"text":"Hi. Joel speaking. Hi, Joel. It's Kyle calling from OQ Financial. How are you today?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.14099077880382538},{"text":"Good. Thanks, mate.","start_word":15,"end_word":17,"sentiment":"positive","sentiment_score":0.51530921459198},{"text":"Yourself? Yeah. Not too bad at all.","start_word":18,"end_word":24,"sentiment":"neutral","sentiment_score":0.2511003613471985},{"text":"Thanks for asking.","start_word":25,"end_word":27,"sentiment":"positive","sentiment_score":0.5342066884040833},{"text":"I just scheduled in for a bit of a catch up. Yeah. Yeah. No dramas.","start_word":28,"end_word":42,"sentiment":"neutral","sentiment_score":0.1512104570865631},{"text":"Perfect.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.414798766374588},{"text":"Just to get on with that one there, Joel, if I could pass you to security, that name, date of birth, and current address, we can get stuck into that today. Joel Anthony Gaylor, 09/26/1993, and 62 North Grove, North Perfect.","start_word":44,"end_word":84,"sentiment":"neutral","sentiment_score":0.18737266957759857},{"text":"Thanks for that one.","start_word":85,"end_word":88,"sentiment":"positive","sentiment_score":0.5886877179145813},{"text":"Now I had you scheduled in regarding sort of budgeting and saving potentially purchasing your first home. Rockford, Is that correct? New South Wales. Yeah. Yep. And then in regards to that one, Joel, is there sort of something that you're trying to implement or achieve or if you've started a budget? I've done I've been doing for a partner, I've been doing our own budgets for, like, a while now, and it just seems that it just never works for not for myself, really. Like, to get money in my account, and there's always seems to be something that comes up that I have to fork the money up for. And yeah. Yep. And and then Yeah. with I the also budget yeah. both I sides. I I have it.","start_word":89,"end_word":219,"sentiment":"neutral","sentiment_score":-0.07285958528518677},{"text":"It's a pretty terrible office just spending as well.","start_word":220,"end_word":228,"sentiment":"negative","sentiment_score":-0.43038275837898254},{"text":"Yep. And then with that one, your, like, your budget that you have at the moment, do you have that, like, in a a document? Is it just something you sort of do, Just on like, a piece just of paper. yeah. Okay. So I can send you the Oak View budget planner, and it's quite like a good tool. It's just an Excel document that you can utilize to be able to implement your sort of expenditures. Now I Yep. know you did have a few things like with the car and then the personal loan. If you managed to sort of keep track with those at least in regards to paying those down. Yes. So the personal loan, I've actually paid off. Yep. I had about, I think, $4 or $5 left on it, like, a couple of months ago, and I've decided just to pay it off to get rid of it. So that's Yep.","start_word":229,"end_word":386,"sentiment":"neutral","sentiment_score":0.03779762648517573},{"text":"straight up an extra $600 a fortnight, which is which is awesome.","start_word":387,"end_word":398,"sentiment":"positive","sentiment_score":0.5821358561515808},{"text":"And I've put that onto what I usually put away every fortnight into a house savings account. Yep. And how much do you have in that currently? In the house savings, Yep. the as tomorrow will be $5. Yep. And then do So you have not an everyday much. spendings as well? Yeah. Every day is spending. And then I've got so my idea was I've got a account for my son, which I put $50 a fortnight into, and that's up to about a thousand dollars now. Then I have account for, say, car expenditures, so of servicing and whatnot. I have an a savings account for general savings, which is to do with maybe more so to do with, say, like, holidays and stuff like that. We're on a plan. Yep. And then I've got my bills account, which is just it's a card account, and then my general card account, which is what I usually pay everything off. Yep. And then as far as, like, your general savings, how much have you got in that one at the moment? Got nothing because I keep dipping into that to buy other pay for other things. Yep. No. Understandable. And in terms of, like, your you said your habits are quite bad at the moment. Do you set yourself aside an amount that you're trying to sort of use for discretionary spending each week, or is it just sort of here, there, everywhere? It's here there at the moment. I do wanna set aside money for that for Yep. and not try and stick to, say, a $100 a fortnight or $200 a fortnight just for things that aren't accounted for and, like, I guess, wants and not needs. Yeah. Exactly. So that's generally sort of where the expenditure comes from. Obviously, you've still got your your car, which is an expense that's coming out. But apart from, like, obviously, you set aside money there in regards to, you know, the car, and then you do have a general savings account, something for your son, the house deposit. It just comes down to a bit of conviction in sort of what your spending habits look like and potentially for Yes. calling a few things. Yep. Now in regards to that, we can send you that that budget planner for you to be able to go through, fill out. And in that way, you can find out your bare minimum of, like, what Yeah. you need to put aside for each sort of thing, and you can sort of change it around a little bit for the different Yeah. accounts you hold and the different things you wanna do. And then you can see how much leftover and how much you're currently spending on your discretionary versus how much you should be putting towards, like, your house deposit. And then you've just gotta really sort of start sticking to those figures. Yeah. So so I can send you that document. And then if you fill it out, you can sort of send it back, and then we can have a review of it and have a conversation about that as well. Yep. Yeah. Of course.","start_word":399,"end_word":933,"sentiment":"neutral","sentiment_score":0.10198512495121108},{"text":"Not a problem.","start_word":934,"end_word":936,"sentiment":"positive","sentiment_score":0.4085925221443176},{"text":"I'll book in a time next week because with that as well with your superannuation account, it was reviewing that one. And I know you had your interview at the end of last year, and it has taken quite a dip in regards to what's happened with the war and then also in regards to your managed fund, Benelon, you have quite a heavy portion to the actively managed account. Now back when you first came on board, you probably you know, you're still on the quite younger side of things to take on the active managed risk isn't an issue, but sort of having that much into the one active fund can when it does perform badly like Ben Long did with that underlying asset that was sort of deemed to not be reporting correctly has caused it to sort of take a bit of a downward skid in conjunction with the war as well. So we probably Yeah. need to review that and sort of look at potentially changing that out of your portfolio as well, if that makes sense. Yeah. Yep. Yeah.","start_word":937,"end_word":1121,"sentiment":"neutral","sentiment_score":-0.13176550555068092},{"text":"Cool. Perfect.","start_word":1122,"end_word":1123,"sentiment":"positive","sentiment_score":0.5704248547554016},{"text":"So today, I'll just update all your details so your fact finds up today. I'll send you out that budget planner, and I'll get you booked in a time next week that we can discuss that. Yep. So do afternoons normally work better or mornings work better for you? It depends on the day because I do shift work. So next week when am I working next week? It'll be Monday, Tuesday, Wednesday, Thursday. So I'll be off Friday, Saturday, Sunday. I'll come off night shift Friday morning. So Friday afternoon would work. I know it's Friday, and everyone wants to get out of the afternoon. But Yeah. I don't actually work Fridays at the moment just because I do longer days to catch people off to work generally. yep, And you said Wednesday you did morning might work because I'll do day shift Monday, Tuesday, and then Wednesday, Thursday night. So I've got that little bit of a lull. It's called pajama day Wednesday. okay. Not a problem. And then because of the time difference, it's still being around, would 10:00 work on next Wednesday? New South Wales time? Yeah. So 09:00 Yeah. for us, That ten for you. yeah. That'll work fine. Wednesday next Perfect. week. I'll chuck that in for a conversation there, and I'll get that budget planner sent out to you. So if you have a chance to go through it with your partner and fill that out and then Yep. send that back Yeah. so we can have a review of it and then just sort of see where it goes.","start_word":1124,"end_word":1390,"sentiment":"neutral","sentiment_score":0.07248117749610644},{"text":"Because you're obviously on quite a a good income, and then sort of being on quite a nice income comes with the fact that your lifestyle tends to sort of creep up in terms of, like, your expenditures as well.","start_word":1391,"end_word":1430,"sentiment":"positive","sentiment_score":0.36690226197242737},{"text":"So Five if you're looking seven. to, yeah, cut back a little bit to try and save the house and things like that, it's important you sort of might have to make a couple of sacrifices that you may have gotten used to over Yeah. the the last few years, which is a bit unfortunate. But then also, you gotta make a few sacrifices, especially Alrighty. with the housing market at the moment. Yeah. No. That's that's a 100%.","start_word":1431,"end_word":1509,"sentiment":"neutral","sentiment_score":-0.0855327695608139},{"text":"Perfect. So I'll quickly go through and update everything.","start_word":1510,"end_word":1518,"sentiment":"positive","sentiment_score":0.3879374563694},{"text":"So I have here that you do have your your partner that you are engaged to. We don't have a name. Did you wanna check down her name, or you're happy leaving that blank? You can put it in name. It doesn't tie her up to anything really, does No. it? It's just it's just That's because the she's spouse not a name. customer. Yeah. Yeah. Yeah. Kara, k a r I. Yep. And then last name for that one, just Baker, b a k e r. I think that's fine. And I've got your mother down as your next of kin contact. Is that still fine? Yeah. That's fine.","start_word":1519,"end_word":1628,"sentiment":"neutral","sentiment_score":0.051437344402074814},{"text":"Perfect.","start_word":1629,"end_word":1629,"sentiment":"positive","sentiment_score":0.382093608379364},{"text":"And two, just two kids at home there? Yeah. So one's only with me one weekend every month, another one's full time. Yep. And then as far as your occupation, I know you were the leading hand. Is that sort of changed at all, or is that largely the same? That's the Yep. Any change to your duties same. at all or anything like that? Yeah. No. That's fine. So now Yep. computer might still might still be there. So about 90 office then and about sort of 10% out on the floor? I don't get on the tools anymore. Only when I do overtime, but pretty much my whole job is office work. I'll, like, get out and I'll walk around, and I don't really get on tools. Not a problem. And how long have you been doing that leading hand supervisor role, if you don't mind me asking? I just don't have that there. Since January. And then industry wise, how long have you been in the industry? In the 2019, so nearly seven years. Yeah. Roughly Nearly for six seven. years. I'd say six years. Yeah.","start_word":1630,"end_word":1818,"sentiment":"neutral","sentiment_score":-0.01634531444500363},{"text":"Perfect.","start_word":1819,"end_word":1819,"sentiment":"positive","sentiment_score":0.5641012787818909},{"text":"And are you still in the one seventy mark at the moment with sort of overtime? Yeah. I'd say around for that. Yep. And do you know what your base rate looks like? Base rate, I one thirty, but that doesn't factor in a few and I think that's factors in the rough surveillance. Just the way they do the e I. Okay. Okay. So the $1.70 is overtime plus allowances that your base is one thirty? Yeah. Yeah. 30. And then at the moment, I had you sort of you were trying to save roughly around the thousand of fortnight. Is that sort of still the same goal of what you're trying to get into, your savings or your your property sort of deposit? Yeah. It's always been a seven, but since I've paid this other personal loan off, I've bumped it up to 1,600 or not. And you paid fortnightly, sir? Yes. Yeah. And as far as super is concerned, I know you were potentially looking at maybe starting some form of salary sacrifice. Is that on the back burner for the moment? Yeah. I I want them to get as much money into getting a house first and then review and start doing salary stuff and forth, but it's just, yeah, one of those things I haven't haven't been so strict on myself and their spending. Yep. No. Understandable. And then have you sort of had a thought about, like, the first time super scheme and potentially using your super for that and doing that process as well, or you just want to do it sort of outside that environment? Well, my partner I've been talking about, like, the first time buyers grants and stuff like that and what our options are.","start_word":1820,"end_word":2114,"sentiment":"neutral","sentiment_score":0.01160130253282644},{"text":"We do actually wanna talk go see them all with the program in person and sit down and have a chat about it and see what our options are.","start_word":2115,"end_word":2143,"sentiment":"positive","sentiment_score":0.409362256526947},{"text":"I know when right now, we're not in any place to buy a house, say, this year, but what we need to do and where we need to be before we then Yep. start that process of actually purchasing anything else. Yeah. So So I thought there was something to do with being able to use your super and whatnot, but yeah. I wasn't So there's a 100 a a few different things when people sort of refer to property and then super. So first one there is everyone is like self made super just owning a house through that, but that means you can't actually utilize it because it's, like, an arm's length rule. percent So if you sure. bought Yep. a property with your actual super balance, you wouldn't be able to actually use it for any personal uses because it's for your retirement. So the government sort of put that stipulation rule in place. Yeah. The second Yep. is that first time super saver scheme. Now with that, it's, like, through additional contributions to superannuation, and you can do up to a certain amount each year up to a number of years that you can then draw down for your deposit. Now the risk of that is is if you didn't sort of purchase a house or withdraw the funds or you couldn't find a property, you can't just pull that money back out of super so it can lock it away, which is the risk with that one as opposed to, like, having a, like, house deposit just in a high interest savings account outside of that as well. Yes. Yeah. Yeah. But, yeah, if you did wanna sort of know a little bit more about the first time super savers scheme before we speak next week. You just type, like, basically, first time super saver scheme and just click on the ATO.","start_word":2144,"end_word":2460,"sentiment":"neutral","sentiment_score":-0.028578202995216056},{"text":"I can even attach that in the link with the the email I'm gonna set up with the budget planner.","start_word":2461,"end_word":2480,"sentiment":"positive","sentiment_score":0.3509092330932617},{"text":"And you can have a bit of a read through of the requirements what you can do for that. Yes. Yes. And then with the amount at the moment, it's, like, up to a maximum of 50,000, I believe, which given the current property market might not sort of even be enough to do the first sort of deposit if you're trying to get rid of, like, lenders mortgage insurance and things like that as Yeah. well to reach Yeah. that 20%. It could possibly be used in conjunction with, but then also carries the risk of the fact that if you're not using it for a home and decide to discontinue renting, then you sort of might have to leave it into in super if you don't Yeah. ever go down the property purchase route. Yeah. Excuse me. I was I think I have heard that you can use, like, some banks would allow recognize potential savings through rent. Is that a thing? So that all So comes rent down. money spent on rent. Yeah. So that's to do with, like, your serviceability on a loan. Say if you're like you're only like, you've got your deposit, but you're only saving, you know, like, $500 a week, but your rent's nearly equivalent to your like, what a mortgage would be, they take that into consideration to how much money they'll lend you. Yeah. Not so Yeah. much in terms of, like, just going like, Alright, Taylor. yeah. Yeah. So if you do, like, obviously pay a bit more in rent, obviously, if you move into a house with the personal primary house, you're not gonna be paying that rent. So that just helps, yeah, account for how much you can borrow and how much a bank's Yeah. willing to lend you because of how much you're willing to pay off. Yeah. Yeah. Fair enough. And there's a few other details that should update there. So you've got your personal car worth around the 12. Is that sort of still about the same? I would say it's probably more 10 now. Yep. And then the Kluger around the 43 mark with the bid Yeah. Yeah. on? Yep. And has that loan come down a little bit as well? So at around 23, does that come off a bit? I'd say I haven't actually checked it since we bought it, but I'd say as well my partner has been paying that down. She hasn't missed any payments, so Yep. I'll just I'm knock not a a few. 100 Off. percent sure where it'd be. But Yeah. yeah. So it doesn't make much difference. And you've still got your tools in a motorbike currently? Yeah. Yeah. The motorbike has just had some money spent. Hence, this is the the we're spending. I've got new wheels and well, not for it. Yeah. Yeah. I feel that I got my bike wheels done the other day, and it cost me an arm and a leg. They're definitely cheaper All than a good. car these days. It used to go the other way where the bike's, you know, a lot cheaper, but it Yeah. feels like everything on a bike now is four times the cost of what it is on a car to Yeah. make up for the fact that there's only, you know, one or two of it. I cracked the rear rim, so I've just gone out and bought a whole front and rear wheel set, which is $1,200 and then tires on top. And it adds up pretty quick, and then I'll pull there's I need to do all the string out bearings and steering stem bearings and stuff. So I've got all that stuff, and I'm like, oh, I need new I need this and that, and then it it adds up real Yeah.","start_word":2481,"end_word":3124,"sentiment":"neutral","sentiment_score":-0.023237577205674247},{"text":"Unfortunately, I'd made the mistake quick. of buying as well as they have all specialty tools, so that makes it even harder to Oh, wow.","start_word":3125,"end_word":3149,"sentiment":"negative","sentiment_score":-0.36363285779953},{"text":"work on it yourself. So Wow. yeah. Not that it was a a crazy one, but in saying that, even the cheaper Ducatis when it comes to servicing them, they are not Yeah. Yeah. 100%. Well, I'm just a dirt box. I've not I know any of that for our smart bot. cheap. Yeah. Well, funnily enough, it was probably only 15 when I bought the the street legal one, but I swear every Yeah. time I take it down there, it needs a few things that are gonna Okay. break the bank. Yeah. Yeah.","start_word":3150,"end_word":3244,"sentiment":"neutral","sentiment_score":-0.04777722805738449},{"text":"But The they're motor good box is fun.","start_word":3245,"end_word":3252,"sentiment":"positive","sentiment_score":0.5116580724716187},{"text":"definitely So not a cheap cheap hobby. no.","start_word":3253,"end_word":3260,"sentiment":"neutral","sentiment_score":0.0982540100812912},{"text":"Yeah. They are definitely good fun.","start_word":3261,"end_word":3266,"sentiment":"positive","sentiment_score":0.6614334583282471},{"text":"And then with regards to your your son's account too, is that just in your name and you just put it aside for your son? Yeah. Yep. Yeah. Okay. Because there are, like, investments that you can do, like investment bonds for your kids and stuff as well where it's Oh, basically yeah. much like having super you've got the funds invested. And then with a bond, because it's owned by the company, they actually pay a lower tax rate as to yourself. So, obviously, any interest earned on obviously, it's not a huge amount at the moment, but any interest earned on that thousand dollars, it basically adds to your income with the interest. Yes. And if you end up having, you know, quite a bit of money in there over the next sort of ten to fifteen sort of years, that interest on that can sort of, you know, get taxed at your your higher marginal tax rate as opposed to being in, like, an investment environment. That's sort of more beneficial. Yeah. So instead of being taxed at, like, 37% plus, like, your Medicare, you can sort of get that down at least the company tax rate 30% as a minimum and then actually Yep. do things to be able to reduce taxes as well throughout the life of the bond. And if you hold it for ten years, the distribution becomes Yeah.","start_word":3267,"end_word":3502,"sentiment":"neutral","sentiment_score":0.22277828899480528},{"text":"actually tax free to the holder. So you can, like, set that up for your child to continue to put your money into that investment.","start_word":3503,"end_word":3527,"sentiment":"positive","sentiment_score":0.5795744061470032},{"text":"And even if you get to a point where you can't add to it anymore, you can still leave it.","start_word":3528,"end_word":3547,"sentiment":"neutral","sentiment_score":0.26087823510169983},{"text":"It remains invested into an investment option and account.","start_word":3548,"end_word":3556,"sentiment":"positive","sentiment_score":0.38362082839012146},{"text":"Yeah. And then Yeah. when Right time times, yeah, they go past ten years, they can sort of draw down it for, like, first car, you know, education, things like that as well. Yeah. Yeah. Is that something Is you there much risk question? in those sort of the same risk as that it's susceptible to the market, like Azure Super. Yeah. So there's different investment options within that. You can do, like, a really sort of just base option and just do, like, a Vanguard investment, and that's sort of the, you know, that long term low cost passive index investing. You're not trying to outperform the market. You're just trying to track the market over the time you've got it invested because you're investing for that long period of time. Yeah. Or you can go slightly more risky with the different sort of managed funds within the as underlying investments. But much like superannuation, the same sort of risk as having your money in super as to having it in one of those bonds. Like, they can go up and down with the markets as well. Yeah. Yeah. Right. But in saying that, like, the cash rates is dependent on what the the banks have it at and the interest you're earning on it anyway. And as the cash, like, or Yeah. interest rate comes down, obviously, that comes down. And as it goes up, it goes up. But then also inflation's generally at or nearly probably higher in recent years than what you're getting in interest anyway.","start_word":3557,"end_word":3816,"sentiment":"neutral","sentiment_score":-0.05233258754014969},{"text":"So your money's kind of devaluing in terms of, like, your spending power anyway, just sitting in cash.","start_word":3817,"end_word":3834,"sentiment":"negative","sentiment_score":-0.3811972141265869},{"text":"Yeah. So so if I take out five finance bonds for, say, a fifteen year term, am I able to say things go bad on, like, something happens and I need that money? Can I get that money back? Yeah. So with those investments, if you, like, it's not like a set term figure. It's just the bond itself, and the bond runs up until, like, the age of I can't remember the exact figure. It depends on the providers as well. But in saying that, you just hold the bond for as long as you want. If you take it out before the ten years, you've just gotta play all the applicable tax that's, like, this capital gains and things like that for the sell down Yeah. of that, much like if you had any money invested outside of that anyway. Yeah. But Yeah. if you sort of even decide to open up an investment account on the side in your own name for your kid, same sort of thing, though, any capital gains and sort of interest earned or dividends still forms part of your individual tax return. But once in the bond environment, they deal with all that. And then it's not until you want the money that you have to worry about it.","start_word":3835,"end_word":4051,"sentiment":"neutral","sentiment_score":0.13111656684479955},{"text":"And if you hold it for the ten years, you get the benefit of it being a tax free distribution.","start_word":4052,"end_word":4071,"sentiment":"positive","sentiment_score":0.3984434306621551},{"text":"Yeah. Yeah. But Yeah. Okay. if Yeah. you did need the money early, you can just basically pull the bond and just pay all the applicable taxes associated with it to be able to access those funds. Yeah. Yeah.","start_word":4072,"end_word":4110,"sentiment":"neutral","sentiment_score":0.2325754463672638},{"text":"Right on. Cool. That's good to know because I've gotta set up an account for my daughter as well.","start_word":4111,"end_word":4129,"sentiment":"positive","sentiment_score":0.5652670860290527},{"text":"But if I was to go down that sort of path, I could just say, hold on two separate and fund a thousand dollars in each and then just pay for $50 a fortnight or a $100 a fortnight or whatever, and then just Yeah. keep that rolling Basically. until And I'm pretty they sure turn the 18, essentially. yeah. The minimum, I think, is only, like, $50 a month. So across the two kids, it only works out to be, like, a $100 across that, which is, like, your $25 a week that you'd be putting Yeah. towards those accounts if as, like, a minimum. Yep. Yeah. Alright. So who provides these spots? Is it something that So we more, can make like, that hub as 20 a record four or whatever? So there's different providers for those. It is separate to, like, Hub twenty four. They have, like, Yep. IDPS accounts, but not investment bonds. So Yep. as part of the recommendation, there will obviously, we can review your budget plan, and next week can include some, like, cash flow budgeting type advice. And then we can look at the child bonds there in conjunction with that, and then just, like, an investment review as well just of your account and investments to Yeah. ensure that if any Mhmm. changes need to be made, we can make those as well. Yeah. Right on. But we can have a bit more of a conversation around the investment side of things and doing a risk profile next week when you've got the budget planning completed, and we can have a bit of a conversation around it. Yeah. Sure. No problem. But as far as your insurance is concerned, you're pretty happy with your level of insurance cover and everything at the moment until such time you potentially, you know, purchase a house and things like that? Yeah. Yep. Yeah. Yeah. I've been thinking of, not adding extra, like, home contents insurance and stuff like that, but I don't think I'll do it until I do get a home, and then I'll just Yeah. So with, obviously, bundle the retail cover that's, like, for your lifetime, just the income protection, you can, like, everything even look at potentially trauma insurance. As far as, like, those other together. general insurances. We don't make recommendation on those, but you can obviously put Oh, those okay. in conjunction Yeah. with that to make sure you got yourself adequately protect protected. And like you said, if you have a home, generally, you've got some sort of, like, home end contents in the event Yeah. anything did happen anyway. Yeah. Yeah. So I'm still currently covered as so I've got my block, death, and PPD And income as protection. a part of me an income protection. I I don't think of the word, but I've been income protection as well That's through all my super. through through Clearview paid for you through your super at the moment. Yeah. Yeah. Yeah. Yeah. So that's still Yeah. what was it? Like, 800 pears or 700 pears or something on top of four Six for 100 death and 70 TPD? three, Yeah. yeah, of the life and TPD and as a monthly benefit around $7,198. Obviously, that's, like, pretax dollars, which you can sort of review as well as a part of that, like, when you do wanna review it to see if that still adequately meets your needs because you can cover up to, like, 70% of your income. Yeah. And Obviously, then given it's more that, expensive. yeah. Exactly. And then if, like, the amount that you're covered for covers the bills and things like that, you don't have to do up to 70% of what your your income is, but you could increase that given how much you're taking home. I think it's Yeah. sort of mainly was originally based probably more on your your base rate as opposed to, like, what's included with the overtime and your allowances and things like that Yeah. anyway.","start_word":4130,"end_word":4808,"sentiment":"neutral","sentiment_score":0.07179243925174311},{"text":"I think with someone that if I do get injured, then I can't work for for any reason, I pretty much would only wanna cover the necessities. I don't wanna be I don't want that 70% because then that's no. Obviously, not on the fence to hurt themselves. That's why we get these covers, but I don't really wanna be paying too much into it when I don't need to. I don't need that level of cover.","start_word":4809,"end_word":4885,"sentiment":"negative","sentiment_score":-0.4108738601207733},{"text":"Exactly. And then also, like you said, like, you don't want to be injured and you want to be sort of back at work, which is the the main thing there. And then also in conjunction with that, if you are injured, you're probably not going out and doing, like, your normal activities as well, so your expenses do come down a bit generally as well. Yeah. Also, I gotta narrow it off up and fog off through those Yeah. four fifth if I need to, if it comes down to Probably your back pocket it. might thank you for it, but at least your weekends will Yeah. be a bit Yeah. bit more boring. So The missus would probably thank me for it too. yeah. Yeah. Well, that's the thing. It's not for them, is it? No. That's it. Anytime we go think about money, so I could always sell the bar and all that. Yeah. Definitely not. The thing is too is that, like, you know, you'd be home on the weekend, then she'd be like, why don't you go out and do something? Then you're sitting on the Mhmm. couch. She'd be like, you made me sell my bike. So Yep. Yep. That's it. 100%. and If then I'll as sell far it, I'll as never get another one pretty much. It's just gonna be too odd. yeah. That's a problem with having kids in that as well, isn't it? It's just like there's always something that can be spent on them as opposed to going out and buying a thousand north to $5,000 new bike. Yeah. Yeah. And then in regards to state planning there, have you managed to get around to drawing up a will with your partner and everything? Yeah. Not probably something that she'll Yep. be Obviously, you doing do have on the beneficiary nomination five on 30 your your accounts in three. regards to like, She if anything happened with that. But, is obviously, in regards fine. to your assets outside of that, it forms part of your estate versus, like, your non estate super assets. Yeah. Now the probably biggest thing with that is is, like, I'm assuming given your one of your kids doesn't stay with you, so you have a separate ex partner as well. Yeah.","start_word":4886,"end_word":5272,"sentiment":"neutral","sentiment_score":-0.04082153522883583},{"text":"Unfortunately, when things like that do happen, obviously, money brings out the worst in people, and you'd rather have it in a document than sort of whoever's left squabbling over what is left to to get their hands on.","start_word":5273,"end_word":5311,"sentiment":"negative","sentiment_score":-0.5792292356491089},{"text":"Yeah. Yeah. Not Yeah. to say that everything probably, you know, is amicable or not, but, Yeah. yeah, it's just more often than not even families that Shit. aren't sort of fighting or anything like that. There's still squabbles, after It comes someone away. goes. Yeah. Exactly. Yeah. Unfortunately. No problem. We'll make a note of that as well just to something to be included just to give you a general reminder for wheels in The States, and we can also send you through some lawyer information of a locals listed just in regards to general pricing if you wanna have a look at that as well. Yeah. Yep. Yep. And then I should mention to you, like, obviously, you do have access to the mortgage brokers here. Like you said, you're probably not in the process of looking just yet in terms of that, and you want to go see someone in person. So if you did wanna have a chat with someone just over the phone or things like that, we can refer you to one of the people that we've worked with as well. Yeah. Yeah. For sure. Not a problem. But is there anything else there that you wanted to have a discussion there about today there, Joel, before I let you go away with that and then come back next week? No. That should be alright. It's mainly just the budgeting and kind of seeing getting advice on better ways to go about it and the all buying a house thing and obviously the figuring out exactly where we need to be in this where the market is at the moment and is more about the mortgage brokers sort of things, I guess. But, yeah, Yeah. it's just pretty much a boss, I guess. Never been never been good with money, and I think it's something changed. Yeah. Completely understand. So, obviously, we'll have a a look at that and look at getting your advice updated and then also look at that cash flow by James. So you can potentially cut back a little bit to help sort of build that deposit up to sort of give you a chance to get into the market. Yep. Yep.","start_word":5312,"end_word":5683,"sentiment":"neutral","sentiment_score":0.04262181653851463},{"text":"Not a problem.","start_word":5684,"end_word":5686,"sentiment":"positive","sentiment_score":0.34504932165145874},{"text":"If you do think of anything else, obviously, just, you know, write the questions down. We can have a discussion about it next week, but we'll go a bit more in-depth in regards to the investments and everything there and then sort of review that budget planner with you. Yeah. Yeah. For sure.","start_word":5687,"end_word":5739,"sentiment":"neutral","sentiment_score":0.17258889973163605},{"text":"No problem. Well, thanks for your time this morning, Joe, or this afternoon, I should say, for you, and I'll see you next week. So, Izzy, thanks, man. Have a good one. Sounds good. Thank you. Bye. See you.","start_word":5740,"end_word":5778,"sentiment":"positive","sentiment_score":0.6370519399642944},{"text":"Bye.","start_word":5779,"end_word":5779,"sentiment":"neutral","sentiment_score":0.26756346225738525}],"average":{"sentiment":"neutral","sentiment_score":0.037321950946914845}}}}