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We've got the team working from home on Thursday from Friday, so I'm currently in nice comfy clothes and just plugging away from my home office, to be honest. And how are you? Yeah. How are you doing? Yeah. Perfect. Well, is now still a good beautiful. Now is now still a good time since you've had a bit of initial consultation? Or beautiful. Beautiful. Well, firstly first and foremost, thank you for reaching out then. I believe you were referred from your friend Elliot. So I'm glad that we you know, we did enough of a good job with him to be able to provide good word-of-mouth, which is nice. So it's quite cheap. And it's just just I've just had a quick, you know, review of the notes, just your conversation with my colleague, Maddie. And I think you're just looking at kind of getting some advice on superannuation insurance, things like that. But, yeah, give me a look let me give me a little bit of a load up. Kinda what you're looking for, what you're hoping for, what kind of service you're after, or where's your head at? Yep. Congratulations. Okay. Absolutely. That's the overall goal. Right? And what about while doing so, probably you probably agree with me, we also wanna try and pay as minimal tax as possible along the way because more often enough clients agree that we know how to spend our money. We know how to spend our money better than the government does. So we try and we try and work out the most tax effective ways to do that too. Perfect. Well, behind every let's let's break that down a little bit more. So when you say you wanna be set up financially for yourself and your family in the future, right, What does that look like for you? Do you wanna retire early? How old are you at the moment? 37. Beautiful. What's your date of birth? June. That is a great date of birth because it is the end of financial check. Okay. So so when we speak to it so when we start working at tax effective strategies, we'll be in touch, and I can say happy birthday the day before. Yeah. Perfect. Okay. So because you're 37 years old, when you say you want to retire and, like, financially be be in a financial position to look after your so for your family, what does that look like? Have you ever thought about, like, what that looks like? You know, most clients say, well, if we're looking at superannuation, you can only access super by age 60 without preservation age. So if we're using that kind of time horizon, right, to looking at what's that twenty twenty three years until 60, In twenty three years, what did you what did you want your super to be looking like? Do you wanna and the way I like to pitch this to clients is, well, do you like, what what what would be a comfortable retirement? Let's say you've got no mortgage. You've got so you got no mortgage, no debt. But if that was the case, then what what do you wanna live on per week? A thousand dollars, 1,500, 500? What what do you think is suitable income would be? Because your kids will be moved out, so I'm gonna be hearing the message. Right? Yep. Yep. Well, let's just say in today yeah. Well, you're absolutely right. Inflation will lead to that. But when we do our calculation, just so you're aware, like, do it in today's dollars because we include three percent inflation, actually, three and a half percent inflation at the moment. So in today's dollars, do you think a thousand dollars would be enough per week? That's to give you an idea, it's about a thousand dollars a week is somewhere in the realms of a couple. We're going and enjoying life. Don't worry too much about money because you still have a basis there. I'll explain that in a second. But about two to three overseas holidays a year. If that would get that. Okay? Beautiful. Alright. So let's let's let's let's put that down as some sort of goals to work towards together. So and the reason why I say that, you know, base base base value. So I guess that the concept of financial freedom, right, is a good point. So so financial freedom is have is essentially having enough of an asset pool of appreciating assets that can grow by a certain percentage every year, and then you can draw that out and not affect the baseline level, your your asset pool whatsoever. And then you're living on free money. It's interest. So that's essentially that's essentially financial freedom. So if you're looking at a thousand you know what I mean? So if you're looking at a thousand dollars a week, that's essentially $52,000 a year. There's 52 weeks in a year. And let's just say you wanna get a another five, you you know, nest of all fees, cash rate, it's currently 4.35%. If you only sits in, you know, very low risk major triple a rated bonds from, like, the top four banks. Right? The and inflation all that, it's their 5% return. Right? So if we can get a 5% return on a certain balance to achieve $52,000, that's essentially $1,040,000. Right? Because if you got $1,040,000, it grows by 5%. That means it'll grow by $52,000. You draw that out, you will have a thousand dollars per week, and you'll still be left the end of the financial year with $1,040,000. So is that is that a good number that we can start working towards in terms of the goal? Or well, we'll do math and make sure that, you know, all things all things aside, if we can get you into a better position, we would definitely be recommending. But just so you're aware, if we we do the numbers and for some reason we can't get you into a better position, then I'm gonna be the first one to call you and say, hey. Stay doing what you're doing because the only person that's gonna win out of the situation is me. Because you're gonna pay me fees and then you're gonna be going backwards. So what's the point? Right? So that's that's something to continue to give you peace of mind about as well. Okay. So what does retirement so let's say you get to age 60 and you you got the 1,000,040, hopefully more. Right? What does your time look like? What do you wanna kinda what do you wanna kinda achieve? I know that you've got your you settle on your home. You wanna try and build equity, and then you set investment properties. That's one goal. That's medium short to medium term goals. But, yeah, what does your time look like for you? Some some clients on super jobs and penthouses and some clients when I sit on the beach and what? Perfect. K. Okay. Yeah. Well, you've done the hard yards. That's the whole point of it. Right? And the sooner the better. Yeah. I got it. Okay. Beautiful. Now let's so you you you said something in there that was a little bit more about kind of indicate a little bit more behind your your pain of your home. You said you wanted to try and have no debt, no fee invest outside. So let's talk about that new settled property because we can do debt reduction strategies and show you the benefits of adding a bit more towards your mortgage. So when you say that you wanted to pay your home or five be debt free by the age of 60, do you want 60 to be a good time, like, a time frame for you to pay off your mortgage? So you're more than likely, I'm assuming, you settled on a thirty year term. Oh, k. K. And are you looking or k. Mhmm. It's terrible. Understood. Okay. So great idea. So in Australia, we pay some of the highest marginal tax rates in the world. We're kind of, like, 26 or something on the planet. But in saying that, we are number one for being an investor's haven. And what I mean by that is because we can deduct a 100% of the interest that is paid on on any sort of loan that's for investment purposes, which is crazy. Right? So when you're talking about a property strategy, I've done a few of them. You you broke out. It's from from, you know, what feels like a lifetime of doing financial advice, it's I've seen that strategy work really, really well from a tax perspective in buying a property and living in it for your primary place or residence and paying that off as much as possible so that you can start leveraging. So you don't wanna go there and send LVR because then you initiate loan mortgage insurance. But if we get a million dollar property, right, and you pay to the $800,000 loan, so a 20% deposit, then you pay that off down to just under 600,000. You can use another two and say the property increases in value of that time by 100,000. Okay? Then you're looking at about 300 k worth of LVR loan to valuation there. So you can leverage against that. So instead of selling, you just borrow against it and move into the next one. And I've seen it I've actually seen it in twelve years of client build a property portfolio of nine properties in twelve years. Yeah. So but the best thing is there's a thing called the six year rule. Some accounts just like it, they don't. We love it. Those financial planners because if you live in a property for more than twelve months, let's say, you disperse the next house you buy, living in as your primary property residence for twelve months, then if you can leverage and borrow and buy something else and go live in that. Because if you move back into that first property within six years or another six months, then you when you sell it, it's Gary says no capital gains tax on those five years. So that's important. That's important to us. So that's this is how you kinda get them. And then the first the fact of the matter is if you buy that and it's gone up by usually, property professional property investors, they sell at 1.8 times valuation of purchase price. So you buy something for 1,000,000, gets to grow some value, depreciates in value to 1.8 times, so 1.8 million, they'll sell it. That's the rule of thumb. No. There's no real no real correct or incorrect way to do it, but that's that's a good number to work towards. So, yeah, we can absolutely help out with that. But, yeah, by finding the buyer's agents, I find a lot of value in. I've used a few of them myself in regards to finding investment properties. But I suppose in your situation, for your purpose, because every investment needs a purpose. That's what a lot of people lose out. They lose they lose the purpose of, oh, I want a lot of money, and they start living on that money. Think of it as like a dog with a bone. Right? You got a loyal dog, you give it a bone, go to the market, bring me a bigger bone. And they will carry on doing that until you start keeping that bone for yourself because you stop caring and stop stop showing loyalty to the dog or your money. And sooner or later, that that dog's gonna lose loyalty for you. It's gonna take that money somewhere else, so that bone somewhere else. Alright? So it's a good mentality. I went through about a long time ago. But yeah. No. That that that makes sense. So five properties, hopefully, in the space of ten, twelve years. Is that what you're heading for? Beautiful. Okay. Anything else you kind of wanted to discuss? Because I'm I'm happy. I've got a pretty good idea of what you're looking for, what you wanna achieve, what you guys and objectives. So I like, if you unless there's anything else you wanted to kinda pick my brain about, but I can show you a little bit more about us on the financial services guide, and we can go from there. Yeah. Yeah. For sure. Amazing. So when Madison sent you an email, did she attach actually, you know what? I'll just send you I'll send you a new email with our financial services guide. I'm not too sure. I can see from your file. I don't think you received the the attachments. So and you're what's okay. What's your best email address? Mhmm. Yep. Yep. @gmail.com. Need a healthy base. Beautiful. There we go. Give me one second. I'm just gonna reply something very basic like, you know, as discussed or something like that. Beautiful. I'm gonna say it is lovely you virtually meet with you. Technically, we're in Port New South Wales. Right? Okay. Is that it says Balgola. Is that North Balgola or North Bangalore? Okay. Beautiful. But I don't know where that is. I thought South Bangalore. My parents are in Bangalore, actually. So that's why I thought I might just ask the question. Yeah. Okay. Oh, okay. Perfect. That's my my fiance is actually from down that way. She's Northern Beaches girl. So it's hard to find the nice Northern Beaches girl these days, but to tell you what, she's an absolute queen. Yeah. Yeah. I don't want to talk. Yeah. It's a bit expensive in the property market. No. That's what it is. Very. Yep. Yep. No. That's right. Well, like, we build a property portfolio that the thing is when you when you get to about, you know, three properties and you're living in the second or third one or the first one by that point, what usually happens is is that it's actually beneficial to from a tax perspective, from your kind of wage, nor anybody above the high in the anybody in the highest tax bracket. Anywhere between the 37, 39 percenters. So above a 120, a 130,000. It's usually more beneficial to actually rent where you wanna live and then rent the other all three properties out as investments because then you can use Yeah. So that usually, people say different property amounts. So I say three because it it just seems to be the right kind of medium to kinda get to that even breakeven point where you're property because your rent has been deductible. So, you know, you're using you've got these properties to manage. You need to use a past portion of your rental property that you're living in to pay for you know, to to manage those properties and do all the admin work and pay the rates and heat and all that stuff. So, you know, just I would assume that your office is in the largest area of your house in the living room, which makes up with the the, you know, the the kitchen, your bathroom, all that. It's about 60% of your property. If you got a thousand dollars a week for that property that you're living in nice apartment in, then, you know, it sounds like $600 or about a thousand is deductible to me. Perfect. Now I've sent you out that email. It's gonna be out there in the ether web somewhere. But beautiful. Okay. So the first attachment is your it's our Oakview services guide. So this tool will give you a little bit more about who we are, why we started, what the goal is, and then the next document, the financial services guide, which is more of the compliance side fees, forward license to do, things like that. Okay? So we are OP Financial. Are you looking at that front page with picture of Gold Coast? Beautiful. So myself and my business partner, we we got into a lot of deaths from an angel investor to start this vision of Oakview Financial in a garage in Pimpama, inland suburb far away. And, yeah, we we ended up just kinda going well, like, let's do this because we were you know, we've been I've been in the industry and financial industry since I left uni, all around the world, worked as a broker, spoke broke around the world as well. And, you know, I've seen a lot of shady characters out there. A lot of them. And because it's because it's easy. You know? It's easy in the finance to kind of manipulate these and the hide things through strange acronyms like ICRs. I mean, your super fund right now charging you an ICR, an indirect cost ratio, and MERs, and some some some bank or some investment bank or something. Our asset manager back in the sixties to eighties came up, said, well, now clients are switching on to know that, you know, fees aren't being charged. So let's just name them something different with some convoluted acronym. That's pretty much what they are. But at the end of the day, when you see a three letter acronym, it's just fee. Okay? So we thought during the time that we were kind of thinking about retail business plan and everything, we we during that time, we looked at we looked at starting the company, and it was right at the time of the Hain Royal Commission. It's banking provider. And we saw that a lot of individuals were doing things like charging exorbitant amounts on asset portfolios and deceased estates. And, you know, you can look at the broad commission yourself, but there's a lot of unethical behavior there. But there are a few of us that are trying to do the right thing. We like to do we are those people. So we started the company with the vision of being the most trusted financial planning firm in Australia. On that second page, there's a bit of a breakdown there and what what our core mission is and how we're gonna achieve that as well as our core values. We'll make this far from the team chance, those core values in detail. So they probably got PTSD about it from that kind of but HR for that gives you a bit of a breakdown on on the overall kind of algorithm strategy that I've seen work over time. I mean, CBA, the largest bank, is actually the most expensive share wise. Most expensive bank on the planet is Commonwealth Bank of Australia. Yeah. And if you have a look at their process, they do this same approach, exact same approach with their old financial plans that was a ladder. Seeing boutique firms in The UK, I work for them, Scania, as well as Old Mutual. They they do it in a base four pitch approach, like a base one, base two, base three, and then you get a home run. But at the end of it, it's all the same kind of thing. Right? It's all the same thing and it works. So at the moment, you know, you've got you've got some backing behind you. You've sold your property. How much was the proceeds from that property? Yep. Three hundred sixty thousand. Okay. Well, I think I will come and copy. Yeah. What kind of deposit were you thinking of using for that to purchase a new Alright. So if you say 700, let's let's bump it up a bit. So especially for your where you're at at the moment. So I would say let's give about 900,000 purchase price. Would that be too much? Or okay. So 900 thousand up the limit, 20% deposit, a 180,000 off that $3.50. K. 180 k for deposit. Yeah. When you say rainy day amount, how much would you like? 50? 25? 10? Yep. Let's go. On. Yeah. Let's let's let's go 25. So 25 k for rainy day account. Beautiful. So if I take that off, it's the other $3.50 minus $1.80 minus 25. You're looking at having a 145,000 left over. I'm assuming you would want to purchase new furniture and things like that. So would you would you think that, like, maybe a $100 for a share portfolio would be reasonable, or were you thinking less than that? Okay. Would you okay. Would you like me to create a share portfolio for you and remanage it, or would you like to do it yourself? Yeah. There's a lot. There's a lot. Yeah. There is every information with the boom of AI and things like that. It's amazing how many professional investors there are out there, and they end up putting, you know, outside of the demo account, and they lose all their money on the line. Right? So so, yeah, now we can I'll say 25. So just to reiterate, out of that $350,000 worth of cash in the bank, you wanna add about a 180,000 for a deposit on a on your Hotpeck's home. You're gonna use keep already so it's $371.80 is gonna go to the deposit of new home, 20,000 to pay back to parents, which leaves which is that $3.50 and then the $11.80. The $1.25 k on a rainy rainy day account just like an emergency back in somewhere savings. That leaves you with a 145,000. Your partner wants to go to Tanzania, purchase $75,000 to use about 70 depending, but use about $75,000 of that $1.45 remainder to to purchase property over there. And you're looking at a share portfolio with the remainder of that to purchase to of about $25,000 to purchase a shared portfolio. Right? That's why I got the upper limit. So keep my next 20% of $900. Yeah. Maybe about 12 percent or something, 12% of purchase points or That's pretty good. Well well, if I look at that and you go, well, you know, if you take the 75 from the TransUnion property, and you don't put it, that leaves you 70 that leaves you 70,000, And you minus up to 25,000, it leaves you with 45 about $45,000. So, yeah, that that should be more than enough for cash just to keep it going. You're still gonna be working on any income as well. So that's all. I think that's a pretty good rough estimate for us to work with. Beautiful. So let's go back to the process. Looking at your situation at the moment, you're kind of you're not really, but you're kind of at seedling again. Right? Because you sold your property. Now you got all this cash. What are we gonna do? Right? So the first step is essentially and we we're nerds, to be honest. Then so just just bear with me. But, like, you know, we're finance we're definitely finance. I'm the nerdiest finance there is. I can guarantee that. But yeah. So if you look at the roots, this is what I think about, you know, the tree, like a tree, it's an acorn. If you order oak view oak tree, there is a game, but bear with me. They started this evening in the ground. You got you're in the dark. You don't know which way is up. You don't know where the sun is. Yeah. You don't know what's going on. You have no real kind of growth plan, no strategy, and no real direction, but you you wanna do something. Right? You know you need to grow. So what we wanna do is set up these, like, something that works in the background, kinda like under the ground, like roots of a tree, and that is essentially your superannuation and your insurances first and foremost because you're super you're contributing to just automatically and it's great for the time. It's in the tax effective environment. Right? So if we set that up correctly to get you a better return and grow more every year compounding, we can you want that to work as hard as possible for you. But then at the same time, you also need to make sure that you're insured, and you need to make sure that you're insured for enough. Because if you're setting up a family and all those, you know, everything that you wanna achieve that were in line with your goals, if something goes wrong, you wanna make sure that you're happy. Right? Nope. You there? 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there, Ben. It's Debbie Sotto calling. RT Financial. How are you? I'm very well.\n\nVery well. Thank you. It's work from home. We've got the team working from home on Thursday from Friday, so I'm currently in nice comfy clothes and just plugging away from my home office, to be honest. And how are you?\n\nYeah. How are you doing? Yeah. Perfect. Well, is now still a good beautiful.\n\nNow is now still a good time since you've had a bit of initial consultation? Or beautiful. Beautiful. Well, firstly first and foremost, thank you for reaching out then. I believe you were referred from your friend Elliot.\n\nSo I'm glad that we you know, we did enough of a good job with him to be able to provide good word-of-mouth, which is nice. So it's quite cheap. And it's just just I've just had a quick, you know, review of the notes, just your conversation with my colleague, Maddie. And I think you're just looking at kind of getting some advice on superannuation insurance, things like that. But, yeah, give me a look let me give me a little bit of a load up.\n\nKinda what you're looking for, what you're hoping for, what kind of service you're after, or where's your head at? Yep. Congratulations. Okay. Absolutely.\n\nThat's the overall goal. Right? And what about while doing so, probably you probably agree with me, we also wanna try and pay as minimal tax as possible along the way because more often enough clients agree that we know how to spend our money. We know how to spend our money better than the government does. So we try and we try and work out the most tax effective ways to do that too.\n\nPerfect. Well, behind every let's let's break that down a little bit more. So when you say you wanna be set up financially for yourself and your family in the future, right, What does that look like for you? Do you wanna retire early? How old are you at the moment?\n\n37. Beautiful. What's your date of birth? June. That is a great date of birth because it is the end of financial check.\n\nOkay. So so when we speak to it so when we start working at tax effective strategies, we'll be in touch, and I can say happy birthday the day before. Yeah. Perfect. Okay.\n\nSo because you're 37 years old, when you say you want to retire and, like, financially be be in a financial position to look after your so for your family, what does that look like? Have you ever thought about, like, what that looks like? You know, most clients say, well, if we're looking at superannuation, you can only access super by age 60 without preservation age. So if we're using that kind of time horizon, right, to looking at what's that twenty twenty three years until 60, In twenty three years, what did you what did you want your super to be looking like? Do you wanna and the way I like to pitch this to clients is, well, do you like, what what what would be a comfortable retirement?\n\nLet's say you've got no mortgage. You've got so you got no mortgage, no debt. But if that was the case, then what what do you wanna live on per week? A thousand dollars, 1,500, 500? What what do you think is suitable income would be?\n\nBecause your kids will be moved out, so I'm gonna be hearing the message. Right? Yep. Yep. Well, let's just say in today yeah.\n\nWell, you're absolutely right. Inflation will lead to that. But when we do our calculation, just so you're aware, like, do it in today's dollars because we include three percent inflation, actually, three and a half percent inflation at the moment. So in today's dollars, do you think a thousand dollars would be enough per week? That's to give you an idea, it's about a thousand dollars a week is somewhere in the realms of a couple.\n\nWe're going and enjoying life. Don't worry too much about money because you still have a basis there. I'll explain that in a second. But about two to three overseas holidays a year. If that would get that.\n\nOkay? Beautiful. Alright. So let's let's let's let's put that down as some sort of goals to work towards together. So and the reason why I say that, you know, base base base value.\n\nSo I guess that the concept of financial freedom, right, is a good point. So so financial freedom is have is essentially having enough of an asset pool of appreciating assets that can grow by a certain percentage every year, and then you can draw that out and not affect the baseline level, your your asset pool whatsoever. And then you're living on free money. It's interest. So that's essentially that's essentially financial freedom.\n\nSo if you're looking at a thousand you know what I mean? So if you're looking at a thousand dollars a week, that's essentially $52,000 a year. There's 52 weeks in a year. And let's just say you wanna get a another five, you you know, nest of all fees, cash rate, it's currently 4.35%. If you only sits in, you know, very low risk major triple a rated bonds from, like, the top four banks.\n\nRight? The and inflation all that, it's their 5% return. Right? So if we can get a 5% return on a certain balance to achieve $52,000, that's essentially $1,040,000. Right?\n\nBecause if you got $1,040,000, it grows by 5%. That means it'll grow by $52,000. You draw that out, you will have a thousand dollars per week, and you'll still be left the end of the financial year with $1,040,000. So is that is that a good number that we can start working towards in terms of the goal? Or well, we'll do math and make sure that, you know, all things all things aside, if we can get you into a better position, we would definitely be recommending.\n\nBut just so you're aware, if we we do the numbers and for some reason we can't get you into a better position, then I'm gonna be the first one to call you and say, hey. Stay doing what you're doing because the only person that's gonna win out of the situation is me. Because you're gonna pay me fees and then you're gonna be going backwards. So what's the point? Right?\n\nSo that's that's something to continue to give you peace of mind about as well. Okay. So what does retirement so let's say you get to age 60 and you you got the 1,000,040, hopefully more. Right? What does your time look like?\n\nWhat do you wanna kinda what do you wanna kinda achieve? I know that you've got your you settle on your home. You wanna try and build equity, and then you set investment properties. That's one goal. That's medium short to medium term goals.\n\nBut, yeah, what does your time look like for you? Some some clients on super jobs and penthouses and some clients when I sit on the beach and what? Perfect. K. Okay.\n\nYeah. Well, you've done the hard yards. That's the whole point of it. Right? And the sooner the better.\n\nYeah. I got it. Okay. Beautiful. Now let's so you you you said something in there that was a little bit more about kind of indicate a little bit more behind your your pain of your home.\n\nYou said you wanted to try and have no debt, no fee invest outside. So let's talk about that new settled property because we can do debt reduction strategies and show you the benefits of adding a bit more towards your mortgage. So when you say that you wanted to pay your home or five be debt free by the age of 60, do you want 60 to be a good time, like, a time frame for you to pay off your mortgage? So you're more than likely, I'm assuming, you settled on a thirty year term. Oh, k.\n\nK. And are you looking or k. Mhmm. It's terrible. Understood.\n\nOkay. So great idea. So in Australia, we pay some of the highest marginal tax rates in the world. We're kind of, like, 26 or something on the planet. But in saying that, we are number one for being an investor's haven.\n\nAnd what I mean by that is because we can deduct a 100% of the interest that is paid on on any sort of loan that's for investment purposes, which is crazy. Right? So when you're talking about a property strategy, I've done a few of them. You you broke out. It's from from, you know, what feels like a lifetime of doing financial advice, it's I've seen that strategy work really, really well from a tax perspective in buying a property and living in it for your primary place or residence and paying that off as much as possible so that you can start leveraging.\n\nSo you don't wanna go there and send LVR because then you initiate loan mortgage insurance. But if we get a million dollar property, right, and you pay to the $800,000 loan, so a 20% deposit, then you pay that off down to just under 600,000. You can use another two and say the property increases in value of that time by 100,000. Okay? Then you're looking at about 300 k worth of LVR loan to valuation there.\n\nSo you can leverage against that. So instead of selling, you just borrow against it and move into the next one. And I've seen it I've actually seen it in twelve years of client build a property portfolio of nine properties in twelve years. Yeah. So but the best thing is there's a thing called the six year rule.\n\nSome accounts just like it, they don't. We love it. Those financial planners because if you live in a property for more than twelve months, let's say, you disperse the next house you buy, living in as your primary property residence for twelve months, then if you can leverage and borrow and buy something else and go live in that. Because if you move back into that first property within six years or another six months, then you when you sell it, it's Gary says no capital gains tax on those five years. So that's important.\n\nThat's important to us. So that's this is how you kinda get them. And then the first the fact of the matter is if you buy that and it's gone up by usually, property professional property investors, they sell at 1.8 times valuation of purchase price. So you buy something for 1,000,000, gets to grow some value, depreciates in value to 1.8 times, so 1.8 million, they'll sell it. That's the rule of thumb.\n\nNo. There's no real no real correct or incorrect way to do it, but that's that's a good number to work towards. So, yeah, we can absolutely help out with that. But, yeah, by finding the buyer's agents, I find a lot of value in. I've used a few of them myself in regards to finding investment properties.\n\nBut I suppose in your situation, for your purpose, because every investment needs a purpose. That's what a lot of people lose out. They lose they lose the purpose of, oh, I want a lot of money, and they start living on that money. Think of it as like a dog with a bone. Right?\n\nYou got a loyal dog, you give it a bone, go to the market, bring me a bigger bone. And they will carry on doing that until you start keeping that bone for yourself because you stop caring and stop stop showing loyalty to the dog or your money. And sooner or later, that that dog's gonna lose loyalty for you. It's gonna take that money somewhere else, so that bone somewhere else. Alright?\n\nSo it's a good mentality. I went through about a long time ago. But yeah. No. That that that makes sense.\n\nSo five properties, hopefully, in the space of ten, twelve years. Is that what you're heading for? Beautiful. Okay. Anything else you kind of wanted to discuss?\n\nBecause I'm I'm happy. I've got a pretty good idea of what you're looking for, what you wanna achieve, what you guys and objectives. So I like, if you unless there's anything else you wanted to kinda pick my brain about, but I can show you a little bit more about us on the financial services guide, and we can go from there. Yeah. Yeah.\n\nFor sure. Amazing. So when Madison sent you an email, did she attach actually, you know what? I'll just send you I'll send you a new email with our financial services guide. I'm not too sure.\n\nI can see from your file. I don't think you received the the attachments. So and you're what's okay. What's your best email address? Mhmm.\n\nYep. Yep. @gmail.com. Need a healthy base. Beautiful.\n\nThere we go. Give me one second. I'm just gonna reply something very basic like, you know, as discussed or something like that. Beautiful. I'm gonna say it is lovely you virtually meet with you.\n\nTechnically, we're in Port New South Wales. Right? Okay. Is that it says Balgola. Is that North Balgola or North Bangalore?\n\nOkay. Beautiful. But I don't know where that is. I thought South Bangalore. My parents are in Bangalore, actually.\n\nSo that's why I thought I might just ask the question. Yeah. Okay. Oh, okay. Perfect.\n\nThat's my my fiance is actually from down that way. She's Northern Beaches girl. So it's hard to find the nice Northern Beaches girl these days, but to tell you what, she's an absolute queen. Yeah. Yeah.\n\nI don't want to talk. Yeah. It's a bit expensive in the property market. No. That's what it is.\n\nVery. Yep. Yep. No. That's right.\n\nWell, like, we build a property portfolio that the thing is when you when you get to about, you know, three properties and you're living in the second or third one or the first one by that point, what usually happens is is that it's actually beneficial to from a tax perspective, from your kind of wage, nor anybody above the high in the anybody in the highest tax bracket. Anywhere between the 37, 39 percenters. So above a 120, a 130,000. It's usually more beneficial to actually rent where you wanna live and then rent the other all three properties out as investments because then you can use Yeah. So that usually, people say different property amounts.\n\nSo I say three because it it just seems to be the right kind of medium to kinda get to that even breakeven point where you're property because your rent has been deductible. So, you know, you're using you've got these properties to manage. You need to use a past portion of your rental property that you're living in to pay for you know, to to manage those properties and do all the admin work and pay the rates and heat and all that stuff. So, you know, just I would assume that your office is in the largest area of your house in the living room, which makes up with the the, you know, the the kitchen, your bathroom, all that. It's about 60% of your property.\n\nIf you got a thousand dollars a week for that property that you're living in nice apartment in, then, you know, it sounds like $600 or about a thousand is deductible to me. Perfect. Now I've sent you out that email. It's gonna be out there in the ether web somewhere. But beautiful.\n\nOkay. So the first attachment is your it's our Oakview services guide. So this tool will give you a little bit more about who we are, why we started, what the goal is, and then the next document, the financial services guide, which is more of the compliance side fees, forward license to do, things like that. Okay? So we are OP Financial.\n\nAre you looking at that front page with picture of Gold Coast? Beautiful. So myself and my business partner, we we got into a lot of deaths from an angel investor to start this vision of Oakview Financial in a garage in Pimpama, inland suburb far away. And, yeah, we we ended up just kinda going well, like, let's do this because we were you know, we've been I've been in the industry and financial industry since I left uni, all around the world, worked as a broker, spoke broke around the world as well. And, you know, I've seen a lot of shady characters out there.\n\nA lot of them. And because it's because it's easy. You know? It's easy in the finance to kind of manipulate these and the hide things through strange acronyms like ICRs. I mean, your super fund right now charging you an ICR, an indirect cost ratio, and MERs, and some some some bank or some investment bank or something.\n\nOur asset manager back in the sixties to eighties came up, said, well, now clients are switching on to know that, you know, fees aren't being charged. So let's just name them something different with some convoluted acronym. That's pretty much what they are. But at the end of the day, when you see a three letter acronym, it's just fee. Okay?\n\nSo we thought during the time that we were kind of thinking about retail business plan and everything, we we during that time, we looked at we looked at starting the company, and it was right at the time of the Hain Royal Commission. It's banking provider. And we saw that a lot of individuals were doing things like charging exorbitant amounts on asset portfolios and deceased estates. And, you know, you can look at the broad commission yourself, but there's a lot of unethical behavior there. But there are a few of us that are trying to do the right thing.\n\nWe like to do we are those people. So we started the company with the vision of being the most trusted financial planning firm in Australia. On that second page, there's a bit of a breakdown there and what what our core mission is and how we're gonna achieve that as well as our core values. We'll make this far from the team chance, those core values in detail. So they probably got PTSD about it from that kind of but HR for that gives you a bit of a breakdown on on the overall kind of algorithm strategy that I've seen work over time.\n\nI mean, CBA, the largest bank, is actually the most expensive share wise. Most expensive bank on the planet is Commonwealth Bank of Australia. Yeah. And if you have a look at their process, they do this same approach, exact same approach with their old financial plans that was a ladder. Seeing boutique firms in The UK, I work for them, Scania, as well as Old Mutual.\n\nThey they do it in a base four pitch approach, like a base one, base two, base three, and then you get a home run. But at the end of it, it's all the same kind of thing. Right? It's all the same thing and it works. So at the moment, you know, you've got you've got some backing behind you.\n\nYou've sold your property. How much was the proceeds from that property? Yep. Three hundred sixty thousand. Okay.\n\nWell, I think I will come and copy. Yeah. What kind of deposit were you thinking of using for that to purchase a new Alright. So if you say 700, let's let's bump it up a bit. So especially for your where you're at at the moment.\n\nSo I would say let's give about 900,000 purchase price. Would that be too much? Or okay. So 900 thousand up the limit, 20% deposit, a 180,000 off that $3.50. K.\n\n180 k for deposit. Yeah. When you say rainy day amount, how much would you like? 50? 25?\n\n10? Yep. Let's go. On. Yeah.\n\nLet's let's let's go 25. So 25 k for rainy day account. Beautiful. So if I take that off, it's the other $3.50 minus $1.80 minus 25. You're looking at having a 145,000 left over.\n\nI'm assuming you would want to purchase new furniture and things like that. So would you would you think that, like, maybe a $100 for a share portfolio would be reasonable, or were you thinking less than that? Okay. Would you okay. Would you like me to create a share portfolio for you and remanage it, or would you like to do it yourself?\n\nYeah. There's a lot. There's a lot. Yeah. There is every information with the boom of AI and things like that.\n\nIt's amazing how many professional investors there are out there, and they end up putting, you know, outside of the demo account, and they lose all their money on the line. Right? So so, yeah, now we can I'll say 25. So just to reiterate, out of that $350,000 worth of cash in the bank, you wanna add about a 180,000 for a deposit on a on your Hotpeck's home. You're gonna use keep already so it's $371.80 is gonna go to the deposit of new home, 20,000 to pay back to parents, which leaves which is that $3.50 and then the $11.80.\n\nThe $1.25 k on a rainy rainy day account just like an emergency back in somewhere savings. That leaves you with a 145,000. Your partner wants to go to Tanzania, purchase $75,000 to use about 70 depending, but use about $75,000 of that $1.45 remainder to to purchase property over there. And you're looking at a share portfolio with the remainder of that to purchase to of about $25,000 to purchase a shared portfolio. Right?\n\nThat's why I got the upper limit. So keep my next 20% of $900. Yeah. Maybe about 12 percent or something, 12% of purchase points or That's pretty good. Well well, if I look at that and you go, well, you know, if you take the 75 from the TransUnion property, and you don't put it, that leaves you 70 that leaves you 70,000, And you minus up to 25,000, it leaves you with 45 about $45,000.\n\nSo, yeah, that that should be more than enough for cash just to keep it going. You're still gonna be working on any income as well. So that's all. I think that's a pretty good rough estimate for us to work with. Beautiful.\n\nSo let's go back to the process. Looking at your situation at the moment, you're kind of you're not really, but you're kind of at seedling again. Right? Because you sold your property. Now you got all this cash.\n\nWhat are we gonna do? Right? So the first step is essentially and we we're nerds, to be honest. Then so just just bear with me. But, like, you know, we're finance we're definitely finance.\n\nI'm the nerdiest finance there is. I can guarantee that. But yeah. So if you look at the roots, this is what I think about, you know, the tree, like a tree, it's an acorn. If you order oak view oak tree, there is a game, but bear with me.\n\nThey started this evening in the ground. You got you're in the dark. You don't know which way is up. You don't know where the sun is. Yeah.\n\nYou don't know what's going on. You have no real kind of growth plan, no strategy, and no real direction, but you you wanna do something. Right? You know you need to grow. So what we wanna do is set up these, like, something that works in the background, kinda like under the ground, like roots of a tree, and that is essentially your superannuation and your insurances first and foremost because you're super you're contributing to just automatically and it's great for the time.\n\nIt's in the tax effective environment. Right? So if we set that up correctly to get you a better return and grow more every year compounding, we can you want that to work as hard as possible for you. But then at the same time, you also need to make sure that you're insured, and you need to make sure that you're insured for enough. Because if you're setting up a family and all those, you know, everything that you wanna achieve that were in line with your goals, if something goes wrong, you wanna make sure that you're happy.\n\nRight? Nope. You there? Then I've lost you.","paragraphs":[{"sentences":[{"text":"Hey there, Ben.","start":3.36,"end":4.08,"sentiment":"neutral","sentiment_score":0.0670267070333163},{"text":"It's Debbie Sotto calling.","start":4.08,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.06364471185952425},{"text":"RT Financial.","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.06466206163167953},{"text":"How are you?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.11899618804454803},{"text":"I'm very well.","start":8.8,"end":9.5199995,"sentiment":"positive","sentiment_score":0.541612446308136}],"sentiment":"neutral","sentiment_score":0.17112059965729715,"num_words":15,"start":3.36,"end":9.5199995},{"sentences":[{"text":"Very well.","start":9.5199995,"end":10.08,"sentiment":"positive","sentiment_score":0.6613211631774902},{"text":"Thank you.","start":10.08,"end":10.559999,"sentiment":"positive","sentiment_score":0.6910931468009949},{"text":"It's work from home.","start":10.559999,"end":11.84,"sentiment":"positive","sentiment_score":0.36524752527475357},{"text":"We've got the team working from home on Thursday from Friday, so I'm currently in nice comfy clothes and just plugging away from my home office, to be honest.","start":11.84,"end":20.965,"sentiment":"positive","sentiment_score":0.3597776900077688},{"text":"And how are you?","start":21.585,"end":22.565,"sentiment":"neutral","sentiment_score":0.2538601867854595}],"sentiment":"positive","sentiment_score":0.38084908483958824,"num_words":41,"start":9.5199995,"end":22.565},{"sentences":[{"text":"Yeah.","start":22.625,"end":22.865,"sentiment":"neutral","sentiment_score":0.14039047062397003},{"text":"How are you doing?","start":22.865,"end":23.765,"sentiment":"neutral","sentiment_score":0.13440405204892159},{"text":"Yeah.","start":30.24,"end":30.56,"sentiment":"neutral","sentiment_score":0.1743554174900055},{"text":"Perfect.","start":30.56,"end":30.960001,"sentiment":"positive","sentiment_score":0.34513717889785767},{"text":"Well, is now still a good beautiful.","start":30.960001,"end":32.9,"sentiment":"neutral","sentiment_score":0.3126785840306963}],"sentiment":"neutral","sentiment_score":0.241874954530171,"num_words":14,"start":22.625,"end":32.9},{"sentences":[{"text":"Now is now still a good time since you've had a bit of initial consultation?","start":33.12,"end":36.42,"sentiment":"neutral","sentiment_score":0.1221899742881457},{"text":"Or beautiful.","start":36.48,"end":39.7,"sentiment":"neutral","sentiment_score":0.18365471437573433},{"text":"Beautiful.","start":41.28,"end":41.78,"sentiment":"positive","sentiment_score":0.5502928495407104},{"text":"Well, firstly first and foremost, thank you for reaching out then.","start":42.08,"end":45.125,"sentiment":"positive","sentiment_score":0.46729693629524927},{"text":"I believe you were referred from your friend Elliot.","start":45.125,"end":49.305,"sentiment":"neutral","sentiment_score":0.31745639112260604}],"sentiment":"neutral","sentiment_score":0.2828375187359358,"num_words":38,"start":33.12,"end":49.305},{"sentences":[{"text":"So I'm glad that we you know, we did enough of a good job with him to be able to provide good word-of-mouth, which is nice.","start":49.445,"end":57.15,"sentiment":"positive","sentiment_score":0.476197491471584},{"text":"So it's quite cheap.","start":58.030003,"end":59.170002,"sentiment":"neutral","sentiment_score":0.2651956155896187},{"text":"And it's just just I've just had a quick, you know, review of the notes, just your conversation with my colleague, Maddie.","start":59.63,"end":65.89,"sentiment":"neutral","sentiment_score":0.15330635315992616},{"text":"And I think you're just looking at kind of getting some advice on superannuation insurance, things like that.","start":66.35,"end":71.55,"sentiment":"neutral","sentiment_score":0.06477762282722527},{"text":"But, yeah, give me a look let me give me a little bit of a load up.","start":71.55,"end":75.415,"sentiment":"neutral","sentiment_score":0.06391844482106321}],"sentiment":"neutral","sentiment_score":0.2191639975055881,"num_words":87,"start":49.445,"end":75.415},{"sentences":[{"text":"Kinda what you're looking for, what you're hoping for, what kind of service you're after, or where's your head at?","start":75.715004,"end":81.095,"sentiment":"neutral","sentiment_score":0.023486670991405844},{"text":"Yep.","start":106.825,"end":107.325,"sentiment":"neutral","sentiment_score":0.039059948176145554},{"text":"Congratulations.","start":130.045,"end":130.545,"sentiment":"positive","sentiment_score":0.6907362341880798},{"text":"Okay.","start":137.165,"end":137.665,"sentiment":"neutral","sentiment_score":0.23151209950447085},{"text":"Absolutely.","start":139.805,"end":140.305,"sentiment":"positive","sentiment_score":0.5676437616348267}],"sentiment":"neutral","sentiment_score":0.08327856097215165,"num_words":24,"start":75.715004,"end":140.305},{"sentences":[{"text":"That's the overall goal.","start":140.605,"end":141.645,"sentiment":"positive","sentiment_score":0.5149660408496857},{"text":"Right?","start":141.645,"end":142.145,"sentiment":"neutral","sentiment_score":0.30753952264785767},{"text":"And what about while doing so, probably you probably agree with me, we also wanna try and pay as minimal tax as possible along the way because more often enough clients agree that we know how to spend our money.","start":142.44499,"end":154.41,"sentiment":"neutral","sentiment_score":0.1959891963750124},{"text":"We know how to spend our money better than the government does.","start":155.11,"end":157.83,"sentiment":"neutral","sentiment_score":0.26292648538947105},{"text":"So we try and we try and work out the most tax effective ways to do that too.","start":157.83,"end":162.735,"sentiment":"neutral","sentiment_score":0.24058693481816185}],"sentiment":"neutral","sentiment_score":0.23590205589930216,"num_words":75,"start":140.605,"end":162.735},{"sentences":[{"text":"Perfect.","start":163.515,"end":164.015,"sentiment":"positive","sentiment_score":0.45807328820228577},{"text":"Well, behind every let's let's break that down a little bit more.","start":164.235,"end":168.79501,"sentiment":"neutral","sentiment_score":0.14486742516358694},{"text":"So when you say you wanna be set up financially for yourself and your family in the future, right, What does that look like for you?","start":168.79501,"end":175.48,"sentiment":"neutral","sentiment_score":0.15243347046466973},{"text":"Do you wanna retire early?","start":175.54,"end":178.12,"sentiment":"neutral","sentiment_score":0.018717473931610586},{"text":"How old are you at the moment?","start":178.26,"end":179.72,"sentiment":"neutral","sentiment_score":-0.0052525946604354045}],"sentiment":"neutral","sentiment_score":0.12189356528003426,"num_words":51,"start":163.515,"end":179.72},{"sentences":[{"text":"37.","start":182.58,"end":183.37999,"sentiment":"neutral","sentiment_score":0.03605501353740692},{"text":"Beautiful.","start":183.37999,"end":183.86,"sentiment":"neutral","sentiment_score":0.19719713926315308},{"text":"What's your date of birth?","start":183.86,"end":185.0,"sentiment":"neutral","sentiment_score":0.055408962070941925},{"text":"June.","start":188.355,"end":188.855,"sentiment":"neutral","sentiment_score":0.055751532316207886},{"text":"That is a great date of birth because it is the end of financial check.","start":189.715,"end":195.095,"sentiment":"neutral","sentiment_score":0.27509856124718984}],"sentiment":"neutral","sentiment_score":0.20402290931214456,"num_words":23,"start":182.58,"end":195.095},{"sentences":[{"text":"Okay.","start":195.635,"end":196.035,"sentiment":"neutral","sentiment_score":0.0710083395242691},{"text":"So so when we speak to it so when we start working at tax effective strategies, we'll be in touch, and I can say happy birthday the day before.","start":196.035,"end":206.18,"sentiment":"neutral","sentiment_score":0.12975608531771035},{"text":"Yeah.","start":207.68,"end":208.0,"sentiment":"neutral","sentiment_score":0.18907201290130615},{"text":"Perfect.","start":208.0,"end":208.5,"sentiment":"neutral","sentiment_score":0.26024845242500305},{"text":"Okay.","start":209.2,"end":209.7,"sentiment":"neutral","sentiment_score":0.1033237725496292}],"sentiment":"neutral","sentiment_score":0.13292663792769113,"num_words":33,"start":195.635,"end":209.7},{"sentences":[{"text":"So because you're 37 years old, when you say you want to retire and, like, financially be be in a financial position to look after your so for your family, what does that look like?","start":210.095,"end":221.775,"sentiment":"neutral","sentiment_score":0.13296631297894887},{"text":"Have you ever thought about, like, what that looks like?","start":221.775,"end":223.935,"sentiment":"neutral","sentiment_score":0.008232966251671314},{"text":"You know, most clients say, well, if we're looking at superannuation, you can only access super by age 60 without preservation age.","start":223.935,"end":231.47,"sentiment":"neutral","sentiment_score":-0.008438000921159983},{"text":"So if we're using that kind of time horizon, right, to looking at what's that twenty twenty three years until 60, In twenty three years, what did you what did you want your super to be looking like?","start":231.93001,"end":245.335,"sentiment":"neutral","sentiment_score":0.05408123410061786},{"text":"Do you wanna and the way I like to pitch this to clients is, well, do you like, what what what would be a comfortable retirement?","start":245.335,"end":253.255,"sentiment":"neutral","sentiment_score":0.12433629748053275}],"sentiment":"neutral","sentiment_score":0.07510187196054759,"num_words":131,"start":210.095,"end":253.255},{"sentences":[{"text":"Let's say you've got no mortgage.","start":253.255,"end":254.63501,"sentiment":"neutral","sentiment_score":0.03675397423406442},{"text":"You've got so you got no mortgage, no debt.","start":255.1,"end":258.16,"sentiment":"neutral","sentiment_score":0.03689804197185569},{"text":"But if that was the case, then what what do you wanna live on per week?","start":258.22,"end":262.38,"sentiment":"neutral","sentiment_score":0.03833807725459337},{"text":"A thousand dollars, 1,500, 500?","start":262.38,"end":264.96,"sentiment":"neutral","sentiment_score":0.03499006181955337},{"text":"What what do you think is suitable income would be?","start":265.1,"end":268.14,"sentiment":"neutral","sentiment_score":0.04727708846330643}],"sentiment":"neutral","sentiment_score":0.03942905767294376,"num_words":46,"start":253.255,"end":268.14},{"sentences":[{"text":"Because your kids will be moved out, so I'm gonna be hearing the message.","start":268.14,"end":270.585,"sentiment":"neutral","sentiment_score":0.03483899789197104},{"text":"Right?","start":270.66498,"end":271.16498,"sentiment":"neutral","sentiment_score":0.06409764289855957},{"text":"Yep.","start":286.11002,"end":286.61002,"sentiment":"neutral","sentiment_score":0.05176408216357231},{"text":"Yep.","start":303.095,"end":303.595,"sentiment":"neutral","sentiment_score":0.1522320806980133},{"text":"Well, let's just say in today yeah.","start":318.47998,"end":320.96,"sentiment":"neutral","sentiment_score":-0.020305735724312917}],"sentiment":"neutral","sentiment_score":0.02557081775739789,"num_words":24,"start":268.14,"end":320.96},{"sentences":[{"text":"Well, you're absolutely right.","start":320.96,"end":322.0,"sentiment":"neutral","sentiment_score":0.05287901684641838},{"text":"Inflation will lead to that.","start":322.0,"end":323.46,"sentiment":"neutral","sentiment_score":-0.002813361212611199},{"text":"But when we do our calculation, just so you're aware, like, do it in today's dollars because we include three percent inflation, actually, three and a half percent inflation at the moment.","start":324.72,"end":332.505,"sentiment":"neutral","sentiment_score":0.025359160033985972},{"text":"So in today's dollars, do you think a thousand dollars would be enough per week?","start":332.505,"end":336.925,"sentiment":"neutral","sentiment_score":0.03830245447655519},{"text":"That's to give you an idea, it's about a thousand dollars a week is somewhere in the realms of a couple.","start":339.0,"end":345.34,"sentiment":"neutral","sentiment_score":0.11274550961596626}],"sentiment":"neutral","sentiment_score":0.0513134402791401,"num_words":77,"start":320.96,"end":345.34},{"sentences":[{"text":"We're going and enjoying life.","start":345.80002,"end":348.04,"sentiment":"positive","sentiment_score":0.6179080367088318},{"text":"Don't worry too much about money because you still have a basis there.","start":348.04,"end":351.045,"sentiment":"neutral","sentiment_score":0.09858635125251916},{"text":"I'll explain that in a second.","start":351.52502,"end":352.80502,"sentiment":"neutral","sentiment_score":0.03179312404245138},{"text":"But about two to three overseas holidays a year.","start":352.80502,"end":356.105,"sentiment":"neutral","sentiment_score":0.014843530125088163},{"text":"If that would get that.","start":356.165,"end":357.385,"sentiment":"neutral","sentiment_score":0.025947430357336997}],"sentiment":"neutral","sentiment_score":0.12698027413142354,"num_words":38,"start":345.80002,"end":357.385},{"sentences":[{"text":"Okay?","start":359.045,"end":359.545,"sentiment":"neutral","sentiment_score":0.16048339009284973},{"text":"Beautiful.","start":360.885,"end":361.36502,"sentiment":"positive","sentiment_score":0.805106520652771},{"text":"Alright.","start":361.36502,"end":361.765,"sentiment":"neutral","sentiment_score":0.30718719959259033},{"text":"So let's let's let's let's put that down as some sort of goals to work towards together.","start":361.765,"end":366.47998,"sentiment":"neutral","sentiment_score":0.23577171388794393},{"text":"So and the reason why I say that, you know, base base base value.","start":367.66,"end":372.22,"sentiment":"neutral","sentiment_score":0.1284979677626065}],"sentiment":"neutral","sentiment_score":0.20823140573852203,"num_words":34,"start":359.045,"end":372.22},{"sentences":[{"text":"So I guess that the concept of financial freedom, right, is a good point.","start":372.22,"end":377.25998,"sentiment":"neutral","sentiment_score":0.3118010652916772},{"text":"So so financial freedom is have is essentially having enough of an asset pool of appreciating assets that can grow by a certain percentage every year, and then you can draw that out and not affect the baseline level, your your asset pool whatsoever.","start":377.25998,"end":394.70502,"sentiment":"neutral","sentiment_score":0.16358696313744242},{"text":"And then you're living on free money.","start":395.21,"end":396.49,"sentiment":"neutral","sentiment_score":0.276500472000667},{"text":"It's interest.","start":396.49,"end":397.21,"sentiment":"neutral","sentiment_score":0.2502174377441406},{"text":"So that's essentially that's essentially financial freedom.","start":397.21,"end":400.51,"sentiment":"neutral","sentiment_score":0.2044713944196701}],"sentiment":"neutral","sentiment_score":0.20851728692650795,"num_words":74,"start":372.22,"end":400.51},{"sentences":[{"text":"So if you're looking at a thousand you know what I mean?","start":400.65,"end":403.13,"sentiment":"neutral","sentiment_score":0.009862798227307698},{"text":"So if you're looking at a thousand dollars a week, that's essentially $52,000 a year.","start":403.13,"end":407.29,"sentiment":"neutral","sentiment_score":0.017405985047419865},{"text":"There's 52 weeks in a year.","start":407.29,"end":408.885,"sentiment":"neutral","sentiment_score":0.012898045281569162},{"text":"And let's just say you wanna get a another five, you you know, nest of all fees, cash rate, it's currently 4.35%.","start":409.125,"end":417.225,"sentiment":"neutral","sentiment_score":0.05601192875341936},{"text":"If you only sits in, you know, very low risk major triple a rated bonds from, like, the top four banks.","start":417.52502,"end":425.75,"sentiment":"neutral","sentiment_score":0.08472962712957746}],"sentiment":"neutral","sentiment_score":0.04563705563716786,"num_words":76,"start":400.65,"end":425.75},{"sentences":[{"text":"Right?","start":425.75,"end":426.25,"sentiment":"neutral","sentiment_score":0.07331594079732895},{"text":"The and inflation all that, it's their 5% return.","start":426.71,"end":431.28998,"sentiment":"neutral","sentiment_score":0.09090341710382038},{"text":"Right?","start":431.66998,"end":432.16998,"sentiment":"neutral","sentiment_score":0.06972018629312515},{"text":"So if we can get a 5% return on a certain balance to achieve $52,000, that's essentially $1,040,000.","start":432.46997,"end":441.10498,"sentiment":"neutral","sentiment_score":0.08726581972506312},{"text":"Right?","start":441.88498,"end":442.04498,"sentiment":"neutral","sentiment_score":0.08175357431173325}],"sentiment":"neutral","sentiment_score":0.08712350701292355,"num_words":30,"start":425.75,"end":442.04498},{"sentences":[{"text":"Because if you got $1,040,000, it grows by 5%.","start":442.04498,"end":445.10498,"sentiment":"neutral","sentiment_score":0.11307351663708687},{"text":"That means it'll grow by $52,000.","start":445.245,"end":447.72498,"sentiment":"positive","sentiment_score":0.6027839183807373},{"text":"You draw that out, you will have a thousand dollars per week, and you'll still be left the end of the financial year with $1,040,000.","start":447.72498,"end":455.22,"sentiment":"positive","sentiment_score":0.5299482548236847},{"text":"So is that is that a good number that we can start working towards in terms of the goal?","start":455.52002,"end":459.68002,"sentiment":"positive","sentiment_score":0.5282114195196252},{"text":"Or well, we'll do math and make sure that, you know, all things all things aside, if we can get you into a better position, we would definitely be recommending.","start":459.68002,"end":474.33502,"sentiment":"positive","sentiment_score":0.5055337617794673}],"sentiment":"positive","sentiment_score":0.4841022624142384,"num_words":89,"start":442.04498,"end":474.33502},{"sentences":[{"text":"But just so you're aware, if we we do the numbers and for some reason we can't get you into a better position, then I'm gonna be the first one to call you and say, hey.","start":474.39502,"end":482.815,"sentiment":"neutral","sentiment_score":0.010424982963336838},{"text":"Stay doing what you're doing because the only person that's gonna win out of the situation is me.","start":483.14,"end":489.14,"sentiment":"neutral","sentiment_score":0.0927222329709265},{"text":"Because you're gonna pay me fees and then you're gonna be going backwards.","start":489.14,"end":492.42,"sentiment":"neutral","sentiment_score":-0.07485454604746057},{"text":"So what's the point?","start":492.42,"end":493.48,"sentiment":"neutral","sentiment_score":0.08095190860331059},{"text":"Right?","start":493.62,"end":494.12,"sentiment":"neutral","sentiment_score":0.22160372138023376}],"sentiment":"neutral","sentiment_score":0.022452803296295717,"num_words":72,"start":474.39502,"end":494.12},{"sentences":[{"text":"So that's that's something to continue to give you peace of mind about as well.","start":495.60498,"end":499.625,"sentiment":"positive","sentiment_score":0.6182469884554546},{"text":"Okay.","start":500.405,"end":500.905,"sentiment":"neutral","sentiment_score":0.17621877789497375},{"text":"So what does retirement so let's say you get to age 60 and you you got the 1,000,040, hopefully more.","start":501.04498,"end":506.965,"sentiment":"neutral","sentiment_score":0.13383845537900924},{"text":"Right?","start":506.965,"end":507.465,"sentiment":"neutral","sentiment_score":0.07621316611766815},{"text":"What does your time look like?","start":507.62,"end":508.9,"sentiment":"neutral","sentiment_score":0.0522388598571221}],"sentiment":"neutral","sentiment_score":0.29107765203645064,"num_words":43,"start":495.60498,"end":508.9},{"sentences":[{"text":"What do you wanna kinda what do you wanna kinda achieve?","start":508.9,"end":511.38,"sentiment":"neutral","sentiment_score":0.08732462064786391},{"text":"I know that you've got your you settle on your home.","start":511.38,"end":513.7,"sentiment":"neutral","sentiment_score":0.13749123364686966},{"text":"You wanna try and build equity, and then you set investment properties.","start":513.7,"end":516.84,"sentiment":"neutral","sentiment_score":0.23936003943284354},{"text":"That's one goal.","start":516.98,"end":517.86,"sentiment":"neutral","sentiment_score":0.2968032757441203},{"text":"That's medium short to medium term goals.","start":517.86,"end":520.04004,"sentiment":"neutral","sentiment_score":0.23913292161055974}],"sentiment":"neutral","sentiment_score":0.17976443520323795,"num_words":44,"start":508.9,"end":520.04004},{"sentences":[{"text":"But, yeah, what does your time look like for you?","start":522.255,"end":524.41504,"sentiment":"neutral","sentiment_score":0.05979175791144371},{"text":"Some some clients on super jobs and penthouses and some clients when I sit on the beach and what?","start":524.41504,"end":531.075,"sentiment":"neutral","sentiment_score":0.0335612880360139},{"text":"Perfect.","start":532.97504,"end":533.47504,"sentiment":"positive","sentiment_score":0.3855190873146057},{"text":"K.","start":533.61505,"end":534.11505,"sentiment":"neutral","sentiment_score":0.10868008434772491},{"text":"Okay.","start":578.84,"end":579.255,"sentiment":"neutral","sentiment_score":0.22549936175346377}],"sentiment":"neutral","sentiment_score":0.06110251828795299,"num_words":32,"start":522.255,"end":579.255},{"sentences":[{"text":"Yeah.","start":580.695,"end":581.015,"sentiment":"neutral","sentiment_score":0.2667672634124756},{"text":"Well, you've done the hard yards.","start":581.015,"end":582.375,"sentiment":"neutral","sentiment_score":0.16044472654660544},{"text":"That's the whole point of it.","start":582.375,"end":583.415,"sentiment":"neutral","sentiment_score":0.16803382337093353},{"text":"Right?","start":583.415,"end":583.735,"sentiment":"neutral","sentiment_score":0.16610604524612427},{"text":"And the sooner the better.","start":583.735,"end":585.03503,"sentiment":"neutral","sentiment_score":0.12524498701095582}],"sentiment":"neutral","sentiment_score":0.15947208122203224,"num_words":19,"start":580.695,"end":585.03503},{"sentences":[{"text":"Yeah.","start":587.015,"end":587.255,"sentiment":"neutral","sentiment_score":0.1830342710018158},{"text":"I got it.","start":587.255,"end":587.815,"sentiment":"neutral","sentiment_score":0.21164515117804208},{"text":"Okay.","start":587.815,"end":588.215,"sentiment":"positive","sentiment_score":0.34635794162750244},{"text":"Beautiful.","start":588.215,"end":588.715,"sentiment":"positive","sentiment_score":0.5233180522918701},{"text":"Now let's so you you you said something in there that was a little bit more about kind of indicate a little bit more behind your your pain of your home.","start":589.015,"end":598.79004,"sentiment":"neutral","sentiment_score":-0.04107419641748551}],"sentiment":"neutral","sentiment_score":0.011198530527385505,"num_words":37,"start":587.015,"end":598.79004},{"sentences":[{"text":"You said you wanted to try and have no debt, no fee invest outside.","start":598.79004,"end":601.85004,"sentiment":"neutral","sentiment_score":0.024651251467210904},{"text":"So let's talk about that new settled property because we can do debt reduction strategies and show you the benefits of adding a bit more towards your mortgage.","start":602.15,"end":609.69,"sentiment":"neutral","sentiment_score":0.18309334386140108},{"text":"So when you say that you wanted to pay your home or five be debt free by the age of 60, do you want 60 to be a good time, like, a time frame for you to pay off your mortgage?","start":610.925,"end":622.205,"sentiment":"neutral","sentiment_score":0.03986396586022726},{"text":"So you're more than likely, I'm assuming, you settled on a thirty year term.","start":622.205,"end":626.35004,"sentiment":"neutral","sentiment_score":-0.04967239419264453},{"text":"Oh, k.","start":633.77,"end":634.59,"sentiment":"neutral","sentiment_score":-0.06002925895154476}],"sentiment":"neutral","sentiment_score":0.06354223951847866,"num_words":99,"start":598.79004,"end":634.59},{"sentences":[{"text":"K.","start":637.61,"end":638.085,"sentiment":"neutral","sentiment_score":-0.04048753157258034},{"text":"And are you looking or k.","start":639.04504,"end":644.025,"sentiment":"neutral","sentiment_score":-0.06745213580628236},{"text":"Mhmm.","start":651.36505,"end":651.86505,"sentiment":"neutral","sentiment_score":-0.09552866220474245},{"text":"It's terrible.","start":658.41003,"end":659.07,"sentiment":"negative","sentiment_score":-0.6253405213356018},{"text":"Understood.","start":672.355,"end":672.855,"sentiment":"neutral","sentiment_score":-0.04227673262357712}],"sentiment":"neutral","sentiment_score":-0.16669879853725433,"num_words":11,"start":637.61,"end":672.855},{"sentences":[{"text":"Okay.","start":675.875,"end":676.375,"sentiment":"neutral","sentiment_score":0.23517879843711853},{"text":"So great idea.","start":676.51495,"end":678.055,"sentiment":"positive","sentiment_score":0.5364660521348318},{"text":"So in Australia, we pay some of the highest marginal tax rates in the world.","start":678.595,"end":682.195,"sentiment":"neutral","sentiment_score":0.09378086825211843},{"text":"We're kind of, like, 26 or something on the planet.","start":682.195,"end":684.84,"sentiment":"neutral","sentiment_score":0.07120361477136612},{"text":"But in saying that, we are number one for being an investor's haven.","start":686.34,"end":689.88,"sentiment":"neutral","sentiment_score":0.1399459302998506}],"sentiment":"neutral","sentiment_score":0.13768150524369308,"num_words":42,"start":675.875,"end":689.88},{"sentences":[{"text":"And what I mean by that is because we can deduct a 100% of the interest that is paid on on any sort of loan that's for investment purposes, which is crazy.","start":690.42,"end":700.375,"sentiment":"neutral","sentiment_score":0.030087917461059988},{"text":"Right?","start":700.435,"end":700.935,"sentiment":"neutral","sentiment_score":0.044674430042505264},{"text":"So when you're talking about a property strategy, I've done a few of them.","start":702.59503,"end":706.375,"sentiment":"neutral","sentiment_score":0.08562204348189491},{"text":"You you broke out.","start":706.515,"end":708.67004,"sentiment":"neutral","sentiment_score":0.07191597856581211},{"text":"It's from from, you know, what feels like a lifetime of doing financial advice, it's I've seen that strategy work really, really well from a tax perspective in buying a property and living in it for your primary place or residence and paying that off as much as possible so that you can start leveraging.","start":708.89,"end":728.60504,"sentiment":"neutral","sentiment_score":0.24228316680951553}],"sentiment":"neutral","sentiment_score":0.1492399479842411,"num_words":106,"start":690.42,"end":728.60504},{"sentences":[{"text":"So you don't wanna go there and send LVR because then you initiate loan mortgage insurance.","start":728.98505,"end":733.48505,"sentiment":"neutral","sentiment_score":-0.025231786465155892},{"text":"But if we get a million dollar property, right, and you pay to the $800,000 loan, so a 20% deposit, then you pay that off down to just under 600,000.","start":733.77997,"end":744.83997,"sentiment":"neutral","sentiment_score":0.05988279723872741},{"text":"You can use another two and say the property increases in value of that time by 100,000.","start":744.9,"end":750.205,"sentiment":"neutral","sentiment_score":0.09087048383320079},{"text":"Okay?","start":750.265,"end":750.765,"sentiment":"neutral","sentiment_score":0.05541517585515976},{"text":"Then you're looking at about 300 k worth of LVR loan to valuation there.","start":751.545,"end":756.28503,"sentiment":"neutral","sentiment_score":0.06358843163720199}],"sentiment":"neutral","sentiment_score":0.04978495868794525,"num_words":78,"start":728.98505,"end":756.28503},{"sentences":[{"text":"So you can leverage against that.","start":756.905,"end":758.665,"sentiment":"neutral","sentiment_score":0.17713856200377145},{"text":"So instead of selling, you just borrow against it and move into the next one.","start":758.665,"end":762.445,"sentiment":"neutral","sentiment_score":0.12444569369157156},{"text":"And I've seen it I've actually seen it in twelve years of client build a property portfolio of nine properties in twelve years.","start":762.8,"end":770.42,"sentiment":"neutral","sentiment_score":0.16652172220789868},{"text":"Yeah.","start":771.04,"end":771.27997,"sentiment":"neutral","sentiment_score":0.08153631538152695},{"text":"So but the best thing is there's a thing called the six year rule.","start":771.27997,"end":775.54,"sentiment":"neutral","sentiment_score":0.11223968171647616}],"sentiment":"neutral","sentiment_score":0.14258319063711974,"num_words":59,"start":756.905,"end":775.54},{"sentences":[{"text":"Some accounts just like it, they don't.","start":775.795,"end":777.495,"sentiment":"neutral","sentiment_score":-0.04953294726354735},{"text":"We love it.","start":777.795,"end":779.075,"sentiment":"positive","sentiment_score":0.764335831006368},{"text":"Those financial planners because if you live in a property for more than twelve months, let's say, you disperse the next house you buy, living in as your primary property residence for twelve months, then if you can leverage and borrow and buy something else and go live in that.","start":779.075,"end":793.05,"sentiment":"neutral","sentiment_score":0.2047226145863533},{"text":"Because if you move back into that first property within six years or another six months, then you when you sell it, it's Gary says no capital gains tax on those five years.","start":793.05,"end":803.87,"sentiment":"neutral","sentiment_score":0.07565975076321399},{"text":"So that's important.","start":805.305,"end":806.28503,"sentiment":"neutral","sentiment_score":0.18987698356310526}],"sentiment":"neutral","sentiment_score":0.15884177413924286,"num_words":96,"start":775.795,"end":806.28503},{"sentences":[{"text":"That's important to us.","start":806.66504,"end":808.125,"sentiment":"neutral","sentiment_score":0.1688170749694109},{"text":"So that's this is how you kinda get them.","start":808.34503,"end":810.66504,"sentiment":"neutral","sentiment_score":0.14125505420896742},{"text":"And then the first the fact of the matter is if you buy that and it's gone up by usually, property professional property investors, they sell at 1.8 times valuation of purchase price.","start":810.66504,"end":821.10004,"sentiment":"neutral","sentiment_score":0.07162649523128163},{"text":"So you buy something for 1,000,000, gets to grow some value, depreciates in value to 1.8 times, so 1.8 million, they'll sell it.","start":821.10004,"end":829.68,"sentiment":"neutral","sentiment_score":0.08314056500144627},{"text":"That's the rule of thumb.","start":830.485,"end":832.265,"sentiment":"neutral","sentiment_score":0.13063752949237822}],"sentiment":"neutral","sentiment_score":0.0929143077417,"num_words":74,"start":806.66504,"end":832.265},{"sentences":[{"text":"No.","start":832.325,"end":832.485,"sentiment":"neutral","sentiment_score":0.04891830310225487},{"text":"There's no real no real correct or incorrect way to do it, but that's that's a good number to work towards.","start":832.485,"end":838.745,"sentiment":"neutral","sentiment_score":0.05040609038301876},{"text":"So, yeah, we can absolutely help out with that.","start":839.525,"end":841.765,"sentiment":"positive","sentiment_score":0.3805840528673596},{"text":"But, yeah, by finding the buyer's agents, I find a lot of value in.","start":841.765,"end":845.89996,"sentiment":"neutral","sentiment_score":0.27410999685525894},{"text":"I've used a few of them myself in regards to finding investment properties.","start":845.89996,"end":852.07996,"sentiment":"neutral","sentiment_score":0.1751528439613489}],"sentiment":"neutral","sentiment_score":0.18357292421419044,"num_words":58,"start":832.325,"end":852.07996},{"sentences":[{"text":"But I suppose in your situation, for your purpose, because every investment needs a purpose.","start":853.33997,"end":858.63995,"sentiment":"neutral","sentiment_score":0.0017133129139741262},{"text":"That's what a lot of people lose out.","start":858.985,"end":860.745,"sentiment":"neutral","sentiment_score":-0.21636056248098612},{"text":"They lose they lose the purpose of, oh, I want a lot of money, and they start living on that money.","start":860.745,"end":865.545,"sentiment":"neutral","sentiment_score":-0.1434358846218813},{"text":"Think of it as like a dog with a bone.","start":865.545,"end":867.465,"sentiment":"neutral","sentiment_score":0.04664219431579113},{"text":"Right?","start":867.465,"end":867.705,"sentiment":"neutral","sentiment_score":0.09107159823179244}],"sentiment":"neutral","sentiment_score":-0.07563354257832874,"num_words":55,"start":853.33997,"end":867.705},{"sentences":[{"text":"You got a loyal dog, you give it a bone, go to the market, bring me a bigger bone.","start":867.705,"end":871.965,"sentiment":"neutral","sentiment_score":0.16047453997950806},{"text":"And they will carry on doing that until you start keeping that bone for yourself because you stop caring and stop stop showing loyalty to the dog or your money.","start":872.17,"end":880.01,"sentiment":"neutral","sentiment_score":0.10725286404291788},{"text":"And sooner or later, that that dog's gonna lose loyalty for you.","start":880.01,"end":882.89,"sentiment":"negative","sentiment_score":-0.37717037958403427},{"text":"It's gonna take that money somewhere else, so that bone somewhere else.","start":882.89,"end":885.45,"sentiment":"negative","sentiment_score":-0.4429858848452568},{"text":"Alright?","start":885.45,"end":885.95,"sentiment":"neutral","sentiment_score":-0.06449469178915024}],"sentiment":"neutral","sentiment_score":-0.049186049784357484,"num_words":74,"start":867.705,"end":885.95},{"sentences":[{"text":"So it's a good mentality.","start":887.335,"end":888.455,"sentiment":"positive","sentiment_score":0.3550400614738464},{"text":"I went through about a long time ago.","start":888.455,"end":889.915,"sentiment":"neutral","sentiment_score":0.04239860223606229},{"text":"But yeah.","start":890.135,"end":891.095,"sentiment":"neutral","sentiment_score":0.0012247385457158089},{"text":"No.","start":891.095,"end":891.255,"sentiment":"neutral","sentiment_score":-0.05864354595541954},{"text":"That that that makes sense.","start":891.255,"end":892.695,"sentiment":"neutral","sentiment_score":0.013296131044626236}],"sentiment":"neutral","sentiment_score":0.1011750338865178,"num_words":21,"start":887.335,"end":892.695},{"sentences":[{"text":"So five properties, hopefully, in the space of ten, twelve years.","start":892.695,"end":897.015,"sentiment":"neutral","sentiment_score":0.06390580992129716},{"text":"Is that what you're heading for?","start":897.015,"end":898.395,"sentiment":"neutral","sentiment_score":0.09193713963031769},{"text":"Beautiful.","start":900.455,"end":900.955,"sentiment":"positive","sentiment_score":0.5740461945533752},{"text":"Okay.","start":901.175,"end":901.675,"sentiment":"positive","sentiment_score":0.35600292682647705},{"text":"Anything else you kind of wanted to discuss?","start":902.68,"end":905.0,"sentiment":"neutral","sentiment_score":0.229813102632761}],"sentiment":"neutral","sentiment_score":0.14900521071696723,"num_words":27,"start":892.695,"end":905.0},{"sentences":[{"text":"Because I'm I'm happy.","start":905.0,"end":906.12,"sentiment":"positive","sentiment_score":0.5019121542572975},{"text":"I've got a pretty good idea of what you're looking for, what you wanna achieve, what you guys and objectives.","start":906.12,"end":911.1,"sentiment":"positive","sentiment_score":0.5836329489946366},{"text":"So I like, if you unless there's anything else you wanted to kinda pick my brain about, but I can show you a little bit more about us on the financial services guide, and we can go from there.","start":913.56,"end":924.395,"sentiment":"neutral","sentiment_score":0.08951479301620753},{"text":"Yeah.","start":927.655,"end":927.895,"sentiment":"neutral","sentiment_score":0.04103501886129379},{"text":"Yeah.","start":927.895,"end":928.135,"sentiment":"neutral","sentiment_score":0.042235374450683594}],"sentiment":"neutral","sentiment_score":0.26545622950563064,"num_words":65,"start":905.0,"end":928.135},{"sentences":[{"text":"For sure.","start":928.135,"end":928.875,"sentiment":"neutral","sentiment_score":0.039595723152160645},{"text":"Amazing.","start":930.00995,"end":930.50995,"sentiment":"neutral","sentiment_score":0.25854212045669556},{"text":"So when Madison sent you an email, did she attach actually, you know what?","start":930.81,"end":936.08997,"sentiment":"neutral","sentiment_score":0.018160432377564057},{"text":"I'll just send you I'll send you a new email with our financial services guide.","start":936.08997,"end":941.76996,"sentiment":"neutral","sentiment_score":-0.0031735119642689823},{"text":"I'm not too sure.","start":941.76996,"end":942.41,"sentiment":"neutral","sentiment_score":-0.10038309171795845}],"sentiment":"neutral","sentiment_score":0.003967904825306808,"num_words":36,"start":928.135,"end":942.41},{"sentences":[{"text":"I can see from your file.","start":942.41,"end":943.44995,"sentiment":"neutral","sentiment_score":-0.06995749721924464},{"text":"I don't think you received the the attachments.","start":943.44995,"end":945.745,"sentiment":"neutral","sentiment_score":-0.13675188925117254},{"text":"So and you're what's okay.","start":946.04504,"end":949.325,"sentiment":"neutral","sentiment_score":-0.07562670595943928},{"text":"What's your best email address?","start":949.325,"end":950.865,"sentiment":"neutral","sentiment_score":0.010918191447854043},{"text":"Mhmm.","start":958.685,"end":959.185,"sentiment":"neutral","sentiment_score":0.008769195526838303}],"sentiment":"neutral","sentiment_score":-0.07314133897423744,"num_words":25,"start":942.41,"end":959.185},{"sentences":[{"text":"Yep.","start":960.51,"end":961.01,"sentiment":"neutral","sentiment_score":0.017744477838277817},{"text":"Yep.","start":963.15,"end":963.65,"sentiment":"neutral","sentiment_score":0.022532230243086815},{"text":"@gmail.com.","start":967.23004,"end":968.45,"sentiment":"neutral","sentiment_score":0.018220527097582817},{"text":"Need a healthy base.","start":969.55005,"end":972.29004,"sentiment":"neutral","sentiment_score":0.10611925460398197},{"text":"Beautiful.","start":972.555,"end":973.055,"sentiment":"neutral","sentiment_score":0.3325687646865845}],"sentiment":"neutral","sentiment_score":0.10194287728518248,"num_words":8,"start":960.51,"end":973.055},{"sentences":[{"text":"There we go.","start":973.915,"end":978.815,"sentiment":"neutral","sentiment_score":0.2065420299768448},{"text":"Give me one second.","start":978.875,"end":979.915,"sentiment":"neutral","sentiment_score":0.11492536030709743},{"text":"I'm just gonna reply something very basic like, you know, as discussed or something like that.","start":979.915,"end":985.535,"sentiment":"neutral","sentiment_score":0.11164009338244796},{"text":"Beautiful.","start":1028.985,"end":1029.485,"sentiment":"positive","sentiment_score":0.5355674624443054},{"text":"I'm gonna say it is lovely you virtually meet with you.","start":1029.545,"end":1032.765,"sentiment":"positive","sentiment_score":0.5810850235548887}],"sentiment":"neutral","sentiment_score":0.2798020499093192,"num_words":35,"start":973.915,"end":1032.765},{"sentences":[{"text":"Technically, we're in Port New South Wales.","start":1034.345,"end":1037.885,"sentiment":"neutral","sentiment_score":0.07403012577976499},{"text":"Right?","start":1037.9451,"end":1038.4451,"sentiment":"neutral","sentiment_score":0.0934564769268036},{"text":"Okay.","start":1040.5,"end":1040.82,"sentiment":"neutral","sentiment_score":0.021327422931790352},{"text":"Is that it says Balgola.","start":1040.82,"end":1042.84,"sentiment":"neutral","sentiment_score":-0.0037365006282925606},{"text":"Is that North Balgola or North Bangalore?","start":1043.2999,"end":1045.72,"sentiment":"neutral","sentiment_score":-0.0011975186810429608}],"sentiment":"neutral","sentiment_score":0.028853792686104066,"num_words":21,"start":1034.345,"end":1045.72},{"sentences":[{"text":"Okay.","start":1047.86,"end":1048.1799,"sentiment":"neutral","sentiment_score":0.1685300171375275},{"text":"Beautiful.","start":1048.1799,"end":1048.6799,"sentiment":"positive","sentiment_score":0.4441625475883484},{"text":"But I don't know where that is.","start":1049.5399,"end":1050.98,"sentiment":"neutral","sentiment_score":-0.03203571694237845},{"text":"I thought South Bangalore.","start":1050.98,"end":1052.1,"sentiment":"neutral","sentiment_score":-0.030747121199965477},{"text":"My parents are in Bangalore, actually.","start":1052.1,"end":1053.7,"sentiment":"neutral","sentiment_score":-0.01840995562573274}],"sentiment":"neutral","sentiment_score":0.008157596188156228,"num_words":19,"start":1047.86,"end":1053.7},{"sentences":[{"text":"So that's why I thought I might just ask the question.","start":1053.7,"end":1055.88,"sentiment":"neutral","sentiment_score":-0.004113884473388845},{"text":"Yeah.","start":1061.5149,"end":1061.755,"sentiment":"neutral","sentiment_score":0.049008093774318695},{"text":"Okay.","start":1061.755,"end":1062.255,"sentiment":"neutral","sentiment_score":0.05816352367401123},{"text":"Oh, okay.","start":1066.315,"end":1066.955,"sentiment":"neutral","sentiment_score":0.21948368847370148},{"text":"Perfect.","start":1066.955,"end":1067.455,"sentiment":"positive","sentiment_score":0.5477060079574585}],"sentiment":"neutral","sentiment_score":0.06553701707161963,"num_words":16,"start":1053.7,"end":1067.455},{"sentences":[{"text":"That's my my fiance is actually from down that way.","start":1067.5149,"end":1070.5499,"sentiment":"neutral","sentiment_score":0.26007615476846696},{"text":"She's Northern Beaches girl.","start":1070.5499,"end":1072.09,"sentiment":"neutral","sentiment_score":0.18809744715690613},{"text":"So it's hard to find the nice Northern Beaches girl these days, but to tell you what, she's an absolute queen.","start":1073.19,"end":1078.8899,"sentiment":"neutral","sentiment_score":0.04991664045623371},{"text":"Yeah.","start":1082.595,"end":1083.095,"sentiment":"neutral","sentiment_score":0.062075212597846985},{"text":"Yeah.","start":1083.395,"end":1083.635,"sentiment":"neutral","sentiment_score":0.05307039991021156}],"sentiment":"neutral","sentiment_score":0.12206882157841244,"num_words":37,"start":1067.5149,"end":1083.635},{"sentences":[{"text":"I don't want to talk.","start":1083.635,"end":1084.695,"sentiment":"neutral","sentiment_score":-0.14036222398281098},{"text":"Yeah.","start":1089.795,"end":1090.295,"sentiment":"neutral","sentiment_score":-0.08837230503559113},{"text":"It's a bit expensive in the property market.","start":1090.595,"end":1092.695,"sentiment":"neutral","sentiment_score":-0.3050020318478346},{"text":"No.","start":1093.955,"end":1094.195,"sentiment":"neutral","sentiment_score":-0.09608106315135956},{"text":"That's what it is.","start":1094.195,"end":1095.255,"sentiment":"neutral","sentiment_score":-0.027929045259952545}],"sentiment":"neutral","sentiment_score":-0.18094720652228907,"num_words":19,"start":1083.635,"end":1095.255},{"sentences":[{"text":"Very.","start":1095.635,"end":1096.135,"sentiment":"neutral","sentiment_score":0.08618344366550446},{"text":"Yep.","start":1102.98,"end":1103.48,"sentiment":"neutral","sentiment_score":-0.027161849662661552},{"text":"Yep.","start":1112.9149,"end":1113.315,"sentiment":"neutral","sentiment_score":0.040865086019039154},{"text":"No.","start":1113.315,"end":1113.475,"sentiment":"neutral","sentiment_score":-0.028682034462690353},{"text":"That's right.","start":1113.475,"end":1114.035,"sentiment":"neutral","sentiment_score":0.02109687216579914}],"sentiment":"neutral","sentiment_score":0.018899731648464996,"num_words":6,"start":1095.635,"end":1114.035},{"sentences":[{"text":"Well, like, we build a property portfolio that the thing is when you when you get to about, you know, three properties and you're living in the second or third one or the first one by that point, what usually happens is is that it's actually beneficial to from a tax perspective, from your kind of wage, nor anybody above the high in the anybody in the highest tax bracket.","start":1114.035,"end":1134.37,"sentiment":"neutral","sentiment_score":0.07003691313522202},{"text":"Anywhere between the 37, 39 percenters.","start":1134.9099,"end":1137.4099,"sentiment":"neutral","sentiment_score":0.03269254261006912},{"text":"So above a 120, a 130,000.","start":1137.865,"end":1140.125,"sentiment":"neutral","sentiment_score":0.025063611567020416},{"text":"It's usually more beneficial to actually rent where you wanna live and then rent the other all three properties out as investments because then you can use Yeah.","start":1141.465,"end":1151.22,"sentiment":"neutral","sentiment_score":0.2623093349726072},{"text":"So that usually, people say different property amounts.","start":1151.22,"end":1154.42,"sentiment":"neutral","sentiment_score":0.06148069258779287}],"sentiment":"neutral","sentiment_score":0.11089515054630021,"num_words":118,"start":1114.035,"end":1154.42},{"sentences":[{"text":"So I say three because it it just seems to be the right kind of medium to kinda get to that even breakeven point where you're property because your rent has been deductible.","start":1154.42,"end":1165.205,"sentiment":"neutral","sentiment_score":0.18385668302124197},{"text":"So, you know, you're using you've got these properties to manage.","start":1166.0651,"end":1169.505,"sentiment":"neutral","sentiment_score":0.05542872304266149},{"text":"You need to use a past portion of your rental property that you're living in to pay for you know, to to manage those properties and do all the admin work and pay the rates and heat and all that stuff.","start":1169.505,"end":1180.22,"sentiment":"neutral","sentiment_score":0.05708005629116442},{"text":"So, you know, just I would assume that your office is in the largest area of your house in the living room, which makes up with the the, you know, the the kitchen, your bathroom, all that.","start":1180.22,"end":1192.0549,"sentiment":"neutral","sentiment_score":0.02639470697456115},{"text":"It's about 60% of your property.","start":1192.0549,"end":1194.155,"sentiment":"neutral","sentiment_score":0.03189892880618572}],"sentiment":"neutral","sentiment_score":0.07957239478128031,"num_words":128,"start":1154.42,"end":1194.155},{"sentences":[{"text":"If you got a thousand dollars a week for that property that you're living in nice apartment in, then, you know, it sounds like $600 or about a thousand is deductible to me.","start":1194.455,"end":1202.715,"sentiment":"neutral","sentiment_score":-0.007852057333696972},{"text":"Perfect.","start":1205.9299,"end":1206.4299,"sentiment":"positive","sentiment_score":0.39118361473083496},{"text":"Now I've sent you out that email.","start":1206.57,"end":1207.85,"sentiment":"neutral","sentiment_score":0.15456123224326543},{"text":"It's gonna be out there in the ether web somewhere.","start":1207.85,"end":1210.11,"sentiment":"neutral","sentiment_score":0.07420891001820565},{"text":"But beautiful.","start":1212.8899,"end":1213.63,"sentiment":"positive","sentiment_score":0.3651310056447983}],"sentiment":"neutral","sentiment_score":0.05068576339421407,"num_words":53,"start":1194.455,"end":1213.63},{"sentences":[{"text":"Okay.","start":1214.25,"end":1214.75,"sentiment":"neutral","sentiment_score":0.10607683658599854},{"text":"So the first attachment is your it's our Oakview services guide.","start":1214.8099,"end":1219.425,"sentiment":"neutral","sentiment_score":0.07007582079280507},{"text":"So this tool will give you a little bit more about who we are, why we started, what the goal is, and then the next document, the financial services guide, which is more of the compliance side fees, forward license to do, things like that.","start":1220.2251,"end":1232.785,"sentiment":"neutral","sentiment_score":0.0733398434602552},{"text":"Okay?","start":1232.785,"end":1233.285,"sentiment":"neutral","sentiment_score":0.03272233158349991},{"text":"So we are OP Financial.","start":1233.73,"end":1235.8099,"sentiment":"neutral","sentiment_score":0.0330729853361845}],"sentiment":"neutral","sentiment_score":0.06944906475052001,"num_words":63,"start":1214.25,"end":1235.8099},{"sentences":[{"text":"Are you looking at that front page with picture of Gold Coast?","start":1235.8099,"end":1238.3099,"sentiment":"neutral","sentiment_score":0.023679925594478846},{"text":"Beautiful.","start":1240.13,"end":1240.63,"sentiment":"neutral","sentiment_score":0.2984510064125061},{"text":"So myself and my business partner, we we got into a lot of deaths from an angel investor to start this vision of Oakview Financial in a garage in Pimpama, inland suburb far away.","start":1241.01,"end":1256.9149,"sentiment":"neutral","sentiment_score":-0.1520289497121292},{"text":"And, yeah, we we ended up just kinda going well, like, let's do this because we were you know, we've been I've been in the industry and financial industry since I left uni, all around the world, worked as a broker, spoke broke around the world as well.","start":1257.0549,"end":1270.77,"sentiment":"neutral","sentiment_score":0.14215877516350398},{"text":"And, you know, I've seen a lot of shady characters out there.","start":1270.77,"end":1274.0449,"sentiment":"neutral","sentiment_score":-0.3051334122816722}],"sentiment":"neutral","sentiment_score":-0.013311718842972105,"num_words":107,"start":1235.8099,"end":1274.0449},{"sentences":[{"text":"A lot of them.","start":1274.0449,"end":1275.2649,"sentiment":"neutral","sentiment_score":-0.12440300174057484},{"text":"And because it's because it's easy.","start":1275.725,"end":1277.725,"sentiment":"neutral","sentiment_score":0.08576965021590392},{"text":"You know?","start":1277.725,"end":1278.0449,"sentiment":"neutral","sentiment_score":-0.008059447631239891},{"text":"It's easy in the finance to kind of manipulate these and the hide things through strange acronyms like ICRs.","start":1278.0449,"end":1285.5599,"sentiment":"neutral","sentiment_score":-0.20731857497441142},{"text":"I mean, your super fund right now charging you an ICR, an indirect cost ratio, and MERs, and some some some bank or some investment bank or something.","start":1285.62,"end":1294.5199,"sentiment":"neutral","sentiment_score":0.000870590763432639}],"sentiment":"neutral","sentiment_score":-0.06633541328927219,"num_words":59,"start":1274.0449,"end":1294.5199},{"sentences":[{"text":"Our asset manager back in the sixties to eighties came up, said, well, now clients are switching on to know that, you know, fees aren't being charged.","start":1294.74,"end":1303.315,"sentiment":"neutral","sentiment_score":0.08190388163482701},{"text":"So let's just name them something different with some convoluted acronym.","start":1303.315,"end":1306.9349,"sentiment":"neutral","sentiment_score":0.03685419837182218},{"text":"That's pretty much what they are.","start":1307.235,"end":1308.515,"sentiment":"neutral","sentiment_score":0.06265149948497613},{"text":"But at the end of the day, when you see a three letter acronym, it's just fee.","start":1308.515,"end":1311.875,"sentiment":"neutral","sentiment_score":0.022710841733736314},{"text":"Okay?","start":1311.875,"end":1312.375,"sentiment":"neutral","sentiment_score":0.03651908040046692}],"sentiment":"neutral","sentiment_score":0.05508569956474539,"num_words":62,"start":1294.74,"end":1312.375},{"sentences":[{"text":"So we thought during the time that we were kind of thinking about retail business plan and everything, we we during that time, we looked at we looked at starting the company, and it was right at the time of the Hain Royal Commission.","start":1313.04,"end":1328.075,"sentiment":"neutral","sentiment_score":0.027649374890395186},{"text":"It's banking provider.","start":1328.075,"end":1329.215,"sentiment":"neutral","sentiment_score":0.005118833854794502},{"text":"And we saw that a lot of individuals were doing things like charging exorbitant amounts on asset portfolios and deceased estates.","start":1331.115,"end":1340.64,"sentiment":"neutral","sentiment_score":-0.15908551251604444},{"text":"And, you know, you can look at the broad commission yourself, but there's a lot of unethical behavior there.","start":1340.78,"end":1346.4801,"sentiment":"neutral","sentiment_score":-0.2356751561164856},{"text":"But there are a few of us that are trying to do the right thing.","start":1346.54,"end":1349.2001,"sentiment":"neutral","sentiment_score":0.08608773822585741}],"sentiment":"neutral","sentiment_score":-0.051915477048240455,"num_words":102,"start":1313.04,"end":1349.2001},{"sentences":[{"text":"We like to do we are those people.","start":1349.5,"end":1351.3401,"sentiment":"positive","sentiment_score":0.5336665213108063},{"text":"So we started the company with the vision of being the most trusted financial planning firm in Australia.","start":1351.3401,"end":1356.945,"sentiment":"positive","sentiment_score":0.5394066113254262},{"text":"On that second page, there's a bit of a breakdown there and what what our core mission is and how we're gonna achieve that as well as our core values.","start":1357.565,"end":1364.145,"sentiment":"neutral","sentiment_score":0.31379856492082275},{"text":"We'll make this far from the team chance, those core values in detail.","start":1364.5,"end":1368.76,"sentiment":"neutral","sentiment_score":0.20353561066664183},{"text":"So they probably got PTSD about it from that kind of but HR for that gives you a bit of a breakdown on on the overall kind of algorithm strategy that I've seen work over time.","start":1369.94,"end":1383.625,"sentiment":"neutral","sentiment_score":-0.09736242072863711}],"sentiment":"neutral","sentiment_score":0.2146049896609925,"num_words":105,"start":1349.5,"end":1383.625},{"sentences":[{"text":"I mean, CBA, the largest bank, is actually the most expensive share wise.","start":1383.625,"end":1387.785,"sentiment":"neutral","sentiment_score":-0.10672534486422172},{"text":"Most expensive bank on the planet is Commonwealth Bank of Australia.","start":1387.785,"end":1391.005,"sentiment":"neutral","sentiment_score":-0.06635449894449928},{"text":"Yeah.","start":1392.4401,"end":1392.84,"sentiment":"neutral","sentiment_score":0.12453771382570268},{"text":"And if you have a look at their process, they do this same approach, exact same approach with their old financial plans that was a ladder.","start":1392.84,"end":1400.3,"sentiment":"neutral","sentiment_score":0.08847134202145614},{"text":"Seeing boutique firms in The UK, I work for them, Scania, as well as Old Mutual.","start":1400.76,"end":1406.12,"sentiment":"neutral","sentiment_score":0.1328795375302434}],"sentiment":"neutral","sentiment_score":0.03632143634691167,"num_words":67,"start":1383.625,"end":1406.12},{"sentences":[{"text":"They they do it in a base four pitch approach, like a base one, base two, base three, and then you get a home run.","start":1406.12,"end":1412.335,"sentiment":"neutral","sentiment_score":0.14346276074647904},{"text":"But at the end of it, it's all the same kind of thing.","start":1412.335,"end":1415.295,"sentiment":"neutral","sentiment_score":0.17063040744799834},{"text":"Right?","start":1415.295,"end":1415.535,"sentiment":"neutral","sentiment_score":0.22716781497001648},{"text":"It's all the same thing and it works.","start":1415.535,"end":1418.035,"sentiment":"neutral","sentiment_score":0.31125108897686005},{"text":"So at the moment, you know, you've got you've got some backing behind you.","start":1418.655,"end":1422.2201,"sentiment":"neutral","sentiment_score":0.05718328005501202}],"sentiment":"neutral","sentiment_score":0.15282797972198392,"num_words":61,"start":1406.12,"end":1422.2201},{"sentences":[{"text":"You've sold your property.","start":1422.2201,"end":1423.26,"sentiment":"neutral","sentiment_score":0.06126518361270428},{"text":"How much was the proceeds from that property?","start":1423.26,"end":1425.2001,"sentiment":"neutral","sentiment_score":0.06325623765587807},{"text":"Yep.","start":1431.26,"end":1431.76,"sentiment":"neutral","sentiment_score":0.08496177196502686},{"text":"Three hundred sixty thousand.","start":1436.005,"end":1437.305,"sentiment":"neutral","sentiment_score":0.04653527960181236},{"text":"Okay.","start":1438.725,"end":1438.885,"sentiment":"neutral","sentiment_score":0.1100601851940155}],"sentiment":"neutral","sentiment_score":0.06290409507022963,"num_words":18,"start":1422.2201,"end":1438.885},{"sentences":[{"text":"Well, I think I will come and copy.","start":1438.885,"end":1440.245,"sentiment":"neutral","sentiment_score":0.13293644320219755},{"text":"Yeah.","start":1440.245,"end":1440.485,"sentiment":"neutral","sentiment_score":0.1271849274635315},{"text":"What kind of deposit were you thinking of using for that to purchase a new Alright.","start":1440.485,"end":1480.67,"sentiment":"neutral","sentiment_score":0.06277833692729473},{"text":"So if you say 700, let's let's bump it up a bit.","start":1480.9701,"end":1484.81,"sentiment":"neutral","sentiment_score":0.04284257317582766},{"text":"So especially for your where you're at at the moment.","start":1484.81,"end":1488.0901,"sentiment":"neutral","sentiment_score":0.02459776047617197}],"sentiment":"neutral","sentiment_score":0.06287698610190381,"num_words":47,"start":1438.885,"end":1488.0901},{"sentences":[{"text":"So I would say let's give about 900,000 purchase price.","start":1488.0901,"end":1492.885,"sentiment":"neutral","sentiment_score":0.017037977930158377},{"text":"Would that be too much?","start":1492.885,"end":1494.085,"sentiment":"neutral","sentiment_score":-0.06545987091958523},{"text":"Or okay.","start":1494.085,"end":1498.725,"sentiment":"neutral","sentiment_score":-0.009369529783725732},{"text":"So 900 thousand up the limit, 20% deposit, a 180,000 off that $3.50.","start":1498.725,"end":1503.865,"sentiment":"neutral","sentiment_score":0.10700722325306672},{"text":"K.","start":1504.965,"end":1505.465,"sentiment":"neutral","sentiment_score":0.04870166257023811}],"sentiment":"neutral","sentiment_score":0.04077861064504231,"num_words":31,"start":1488.0901,"end":1505.465},{"sentences":[{"text":"180 k for deposit.","start":1505.8301,"end":1507.6901,"sentiment":"neutral","sentiment_score":0.0667708283290267},{"text":"Yeah.","start":1508.15,"end":1508.4701,"sentiment":"neutral","sentiment_score":0.07139290869235992},{"text":"When you say rainy day amount, how much would you like?","start":1508.4701,"end":1511.11,"sentiment":"neutral","sentiment_score":0.06144523417407816},{"text":"50?","start":1511.11,"end":1511.61,"sentiment":"neutral","sentiment_score":0.008932847529649734},{"text":"25?","start":1511.67,"end":1512.31,"sentiment":"neutral","sentiment_score":0.010653921402990818}],"sentiment":"neutral","sentiment_score":0.05744225371422039,"num_words":18,"start":1505.8301,"end":1512.31},{"sentences":[{"text":"10?","start":1512.31,"end":1512.81,"sentiment":"neutral","sentiment_score":0.014969496987760069},{"text":"Yep.","start":1515.67,"end":1516.17,"sentiment":"neutral","sentiment_score":0.10710066556930542},{"text":"Let's go.","start":1516.39,"end":1517.13,"sentiment":"neutral","sentiment_score":0.09035918861627579},{"text":"On.","start":1518.735,"end":1519.135,"sentiment":"neutral","sentiment_score":0.049851223826408386},{"text":"Yeah.","start":1519.135,"end":1519.4551,"sentiment":"neutral","sentiment_score":0.0646149069070816}],"sentiment":"neutral","sentiment_score":0.0695424450871845,"num_words":6,"start":1512.31,"end":1519.4551},{"sentences":[{"text":"Let's let's let's go 25.","start":1519.4551,"end":1521.555,"sentiment":"neutral","sentiment_score":0.05588513016700745},{"text":"So 25 k for rainy day account.","start":1522.5751,"end":1525.555,"sentiment":"neutral","sentiment_score":0.10063281655311584},{"text":"Beautiful.","start":1526.3351,"end":1526.8351,"sentiment":"positive","sentiment_score":0.5873448252677917},{"text":"So if I take that off, it's the other $3.50 minus $1.80 minus 25.","start":1528.495,"end":1535.0299,"sentiment":"neutral","sentiment_score":0.13425888413829462},{"text":"You're looking at having a 145,000 left over.","start":1535.0299,"end":1538.25,"sentiment":"neutral","sentiment_score":0.016920280177146196}],"sentiment":"neutral","sentiment_score":0.10246248032365526,"num_words":35,"start":1519.4551,"end":1538.25},{"sentences":[{"text":"I'm assuming you would want to purchase new furniture and things like that.","start":1538.5499,"end":1543.69,"sentiment":"neutral","sentiment_score":0.0014512251632717939},{"text":"So would you would you think that, like, maybe a $100 for a share portfolio would be reasonable, or were you thinking less than that?","start":1543.75,"end":1550.405,"sentiment":"neutral","sentiment_score":-0.02277673602104187},{"text":"Okay.","start":1552.865,"end":1553.365,"sentiment":"neutral","sentiment_score":-0.056093595921993256},{"text":"Would you okay.","start":1577.275,"end":1578.0751,"sentiment":"neutral","sentiment_score":0.10678204149007797},{"text":"Would you like me to create a share portfolio for you and remanage it, or would you like to do it yourself?","start":1578.0751,"end":1582.895,"sentiment":"neutral","sentiment_score":0.07967801849273118}],"sentiment":"neutral","sentiment_score":0.022915882218512706,"num_words":64,"start":1538.5499,"end":1582.895},{"sentences":[{"text":"Yeah.","start":1592.96,"end":1593.28,"sentiment":"neutral","sentiment_score":-0.043556805700063705},{"text":"There's a lot.","start":1593.28,"end":1594.0,"sentiment":"neutral","sentiment_score":-0.10028333216905594},{"text":"There's a lot.","start":1594.0,"end":1594.9,"sentiment":"neutral","sentiment_score":-0.17329415182272592},{"text":"Yeah.","start":1595.52,"end":1595.76,"sentiment":"neutral","sentiment_score":-0.04793110489845276},{"text":"There is every information with the boom of AI and things like that.","start":1595.76,"end":1599.76,"sentiment":"neutral","sentiment_score":-0.10454822016450074}],"sentiment":"neutral","sentiment_score":-0.10815939165297009,"num_words":21,"start":1592.96,"end":1599.76},{"sentences":[{"text":"It's amazing how many professional investors there are out there, and they end up putting, you know, outside of the demo account, and they lose all their money on the line.","start":1599.76,"end":1608.6951,"sentiment":"neutral","sentiment_score":-0.27496792904792294},{"text":"Right?","start":1608.6951,"end":1609.1951,"sentiment":"neutral","sentiment_score":-0.04129039868712425},{"text":"So so, yeah, now we can I'll say 25.","start":1609.415,"end":1612.775,"sentiment":"neutral","sentiment_score":0.02640900036527051},{"text":"So just to reiterate, out of that $350,000 worth of cash in the bank, you wanna add about a 180,000 for a deposit on a on your Hotpeck's home.","start":1612.775,"end":1621.84,"sentiment":"neutral","sentiment_score":0.06824998435532224},{"text":"You're gonna use keep already so it's $371.80 is gonna go to the deposit of new home, 20,000 to pay back to parents, which leaves which is that $3.50 and then the $11.80.","start":1622.22,"end":1635.515,"sentiment":"neutral","sentiment_score":0.08515791538538355}],"sentiment":"neutral","sentiment_score":-0.0343510139986728,"num_words":103,"start":1599.76,"end":1635.515},{"sentences":[{"text":"The $1.25 k on a rainy rainy day account just like an emergency back in somewhere savings.","start":1635.515,"end":1640.735,"sentiment":"neutral","sentiment_score":-0.009556367445517988},{"text":"That leaves you with a 145,000.","start":1641.115,"end":1643.455,"sentiment":"neutral","sentiment_score":0.03664171136915684},{"text":"Your partner wants to go to Tanzania, purchase $75,000 to use about 70 depending, but use about $75,000 of that $1.45 remainder to to purchase property over there.","start":1643.595,"end":1657.74,"sentiment":"neutral","sentiment_score":0.039278290167983086},{"text":"And you're looking at a share portfolio with the remainder of that to purchase to of about $25,000 to purchase a shared portfolio.","start":1658.12,"end":1666.645,"sentiment":"neutral","sentiment_score":0.02874972080082997},{"text":"Right?","start":1666.645,"end":1667.145,"sentiment":"neutral","sentiment_score":0.021439669653773308}],"sentiment":"neutral","sentiment_score":0.024531565258900323,"num_words":75,"start":1635.515,"end":1667.145},{"sentences":[{"text":"That's why I got the upper limit.","start":1677.33,"end":1678.85,"sentiment":"neutral","sentiment_score":-0.0275390733565603},{"text":"So keep my next 20% of $900.","start":1678.85,"end":1681.9099,"sentiment":"neutral","sentiment_score":0.00921779837725418},{"text":"Yeah.","start":1687.9049,"end":1688.4049,"sentiment":"neutral","sentiment_score":0.01577560044825077},{"text":"Maybe about 12 percent or something, 12% of purchase points or That's pretty good.","start":1689.9049,"end":1700.8049,"sentiment":"neutral","sentiment_score":0.04987399938649365},{"text":"Well well, if I look at that and you go, well, you know, if you take the 75 from the TransUnion property, and you don't put it, that leaves you 70 that leaves you 70,000, And you minus up to 25,000, it leaves you with 45 about $45,000.","start":1703.85,"end":1721.635,"sentiment":"neutral","sentiment_score":0.12600123851249614}],"sentiment":"neutral","sentiment_score":0.08615353396888097,"num_words":77,"start":1677.33,"end":1721.635},{"sentences":[{"text":"So, yeah, that that should be more than enough for cash just to keep it going.","start":1722.895,"end":1727.295,"sentiment":"positive","sentiment_score":0.5064021609723568},{"text":"You're still gonna be working on any income as well.","start":1727.295,"end":1729.83,"sentiment":"positive","sentiment_score":0.5190251111984253},{"text":"So that's all.","start":1730.1499,"end":1731.0499,"sentiment":"positive","sentiment_score":0.35180697838465375},{"text":"I think that's a pretty good rough estimate for us to work with.","start":1731.19,"end":1734.89,"sentiment":"positive","sentiment_score":0.535306277183386},{"text":"Beautiful.","start":1737.6699,"end":1738.1699,"sentiment":"positive","sentiment_score":0.7233370542526245}],"sentiment":"positive","sentiment_score":0.5123354716356411,"num_words":43,"start":1722.895,"end":1738.1699},{"sentences":[{"text":"So let's go back to the process.","start":1738.5499,"end":1740.25,"sentiment":"neutral","sentiment_score":0.21662683572087968},{"text":"Looking at your situation at the moment, you're kind of you're not really, but you're kind of at seedling again.","start":1740.7899,"end":1746.3251,"sentiment":"neutral","sentiment_score":-0.004605329781770706},{"text":"Right?","start":1746.385,"end":1746.545,"sentiment":"neutral","sentiment_score":0.032915085554122925},{"text":"Because you sold your property.","start":1746.545,"end":1747.665,"sentiment":"neutral","sentiment_score":-0.006334099918603897},{"text":"Now you got all this cash.","start":1747.665,"end":1749.045,"sentiment":"neutral","sentiment_score":0.008796635394295057}],"sentiment":"neutral","sentiment_score":0.0379052731471184,"num_words":39,"start":1738.5499,"end":1749.045},{"sentences":[{"text":"What are we gonna do?","start":1749.105,"end":1750.3251,"sentiment":"neutral","sentiment_score":-0.012968073785305022},{"text":"Right?","start":1750.7051,"end":1751.2051,"sentiment":"neutral","sentiment_score":0.049578629434108734},{"text":"So the first step is essentially and we we're nerds, to be honest.","start":1751.5851,"end":1756.5651,"sentiment":"neutral","sentiment_score":0.009607298823539168},{"text":"Then so just just bear with me.","start":1757.105,"end":1759.105,"sentiment":"neutral","sentiment_score":-0.024203577478017126},{"text":"But, like, you know, we're finance we're definitely finance.","start":1759.105,"end":1762.78,"sentiment":"neutral","sentiment_score":-0.004652453896900018}],"sentiment":"neutral","sentiment_score":-0.002904685205846493,"num_words":35,"start":1749.105,"end":1762.78},{"sentences":[{"text":"I'm the nerdiest finance there is.","start":1762.78,"end":1765.42,"sentiment":"neutral","sentiment_score":0.01015769193569819},{"text":"I can guarantee that.","start":1765.42,"end":1766.88,"sentiment":"neutral","sentiment_score":0.05497792176902294},{"text":"But yeah.","start":1766.94,"end":1768.3,"sentiment":"neutral","sentiment_score":0.01739100832492113},{"text":"So if you look at the roots, this is what I think about, you know, the tree, like a tree, it's an acorn.","start":1768.3,"end":1773.1,"sentiment":"neutral","sentiment_score":0.019846093557451084},{"text":"If you order oak view oak tree, there is a game, but bear with me.","start":1773.1,"end":1777.255,"sentiment":"neutral","sentiment_score":-0.0052281965191165606}],"sentiment":"neutral","sentiment_score":0.013873541187494993,"num_words":50,"start":1762.78,"end":1777.255},{"sentences":[{"text":"They started this evening in the ground.","start":1777.255,"end":1779.015,"sentiment":"neutral","sentiment_score":-0.14036806992122106},{"text":"You got you're in the dark.","start":1779.015,"end":1780.295,"sentiment":"neutral","sentiment_score":-0.2805496503909429},{"text":"You don't know which way is up.","start":1780.295,"end":1781.3351,"sentiment":"neutral","sentiment_score":-0.2980110262121473},{"text":"You don't know where the sun is.","start":1781.3351,"end":1782.615,"sentiment":"neutral","sentiment_score":-0.2587002771241324},{"text":"Yeah.","start":1782.615,"end":1782.6951,"sentiment":"neutral","sentiment_score":-0.15378858149051666}],"sentiment":"neutral","sentiment_score":-0.23988007487995283,"num_words":28,"start":1777.255,"end":1782.6951},{"sentences":[{"text":"You don't know what's going on.","start":1782.6951,"end":1783.735,"sentiment":"neutral","sentiment_score":-0.27650544544061023},{"text":"You have no real kind of growth plan, no strategy, and no real direction, but you you wanna do something.","start":1783.735,"end":1790.64,"sentiment":"neutral","sentiment_score":-0.26967917419970033},{"text":"Right?","start":1791.12,"end":1791.4401,"sentiment":"neutral","sentiment_score":-0.006246529519557953},{"text":"You know you need to grow.","start":1791.4401,"end":1792.74,"sentiment":"neutral","sentiment_score":-0.04942496741811434},{"text":"So what we wanna do is set up these, like, something that works in the background, kinda like under the ground, like roots of a tree, and that is essentially your superannuation and your insurances first and foremost because you're super you're contributing to just automatically and it's great for the time.","start":1793.28,"end":1811.165,"sentiment":"positive","sentiment_score":0.3380187696848924}],"sentiment":"neutral","sentiment_score":0.12025368862292346,"num_words":85,"start":1782.6951,"end":1811.165},{"sentences":[{"text":"It's in the tax effective environment.","start":1811.165,"end":1812.685,"sentiment":"positive","sentiment_score":0.6295472979545593},{"text":"Right?","start":1812.685,"end":1813.005,"sentiment":"positive","sentiment_score":0.40279263257980347},{"text":"So if we set that up correctly to get you a better return and grow more every year compounding, we can you want that to work as hard as possible for you.","start":1813.005,"end":1822.7,"sentiment":"positive","sentiment_score":0.6272645331919193},{"text":"But then at the same time, you also need to make sure that you're insured, and you need to make sure that you're insured for enough.","start":1822.76,"end":1828.2,"sentiment":"neutral","sentiment_score":0.1539440444455697},{"text":"Because if you're setting up a family and all those, you know, everything that you wanna achieve that were in line with your goals, if something goes wrong, you wanna make sure that you're happy.","start":1828.2,"end":1837.185,"sentiment":"positive","sentiment_score":0.37837988947119033}],"sentiment":"positive","sentiment_score":0.4149838276952505,"num_words":100,"start":1811.165,"end":1837.185},{"sentences":[{"text":"Right?","start":1840.0449,"end":1840.5449,"sentiment":"neutral","sentiment_score":0.059017132967710495},{"text":"Nope.","start":1842.205,"end":1842.5249,"sentiment":"negative","sentiment_score":-0.5462595224380493},{"text":"You there?","start":1842.5249,"end":1843.1849,"sentiment":"negative","sentiment_score":-0.39940066635608673},{"text":"Then I've lost you.","start":1845.245,"end":1846.705,"sentiment":"negative","sentiment_score":-0.38418515026569366}],"sentiment":"negative","sentiment_score":-0.35284804040566087,"num_words":8,"start":1840.0449,"end":1846.705}]}}]},{"alternatives":[{"transcript":"Hello. Ben speaking. I'm good. How are you? That sounds good. Not too bad. Just running around. Few things in the morning took longer than I thought, but I'm alright. Yeah. Here with you now. Yep. Yep. I'm I'm all ready to go. Yeah. That's right. Yeah. Yeah. Yep. Yes. Mhmm. Yeah. Well, I've never really engaged with any kind of financial adviser before, but I've, I've yeah. Elliot told me mostly about how well his super has performed since going with you guys. So I thought about doing that, sort of trying to be a bit more prudent looking ahead into the future, making wiser financial decisions. And then, yeah, I'm more I'm more curious otherwise about, you know, other forms of financial advice you guys offer and what the what how that works, how you how I pay for that and yeah. Because I'm looking at making some in investing in some property in the next little while as well because we just settled on a place. Yeah. Thank you. And, yeah, I'm just trying to make wise investments in the future just to sort of set up my family. It is. Yes. Yes. For sure. Yep. Yes. Mhmm. I'm 37. 06/30/1989. Yeah. Yes. Yes. It is. That's right. Yeah. Yeah. Yeah. It's an easy one to remember. Yes. Yep. Yeah. Mhmm. Mhmm. Yeah. Yeah. Yeah. Yeah. Correct. Yeah. It's a good question. I haven't really thought about in terms of figures. It's interesting. I try and use my my parents who I live next door to as an example because they get they're on the pension. They have no super because they use all the super to pay off their mortgage. So they're on the full pension. So I get I think they get about $3,000 a month from that, and then I I pay them $2,000 to live next door to them because they're in a situation. So they get about $5,000 a month, and they and they got no other debts. So I guess four probably $4,000 a month, thousand dollars a week would be comfortable enough provided I'm not paying a mortgage. I feel like that would be comfortable. But who knows? In twenty three years, a thousand dollars might not be worth. Yeah. Okay. Yeah. Okay. Yeah. I reckon. Yep. Yeah. Mhmm. Yeah. Okay. No worries. Yeah. Very comfortable, I suppose. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. For sure. Mhmm. Yep. Mhmm. Yep. Yeah. Yeah. That sounds like a good number. A good, fairly reasonable, hopefully, achievable number. Yes. Yeah. Yeah. For sure. Mhmm. Yes. No. No. Well, yeah, sitting on the beach would be a good part of it, but I think just owning owning a property outright, for sure, would be a big goal. And just to be comfortable week to week, I don't have any, like, grand aspirations and just be able to support my kids if they need it. I have one child who has special needs, So who knows what's gonna happen in the future with him? It's a little bit uncertain. He may be living with us forever. Not sure. Yeah. So it's it's just to have our own home that's paid for, maybe still have an investment on the side that is also generating a little bit of income. And, yeah, like you said, not not have to worry about money so much. Just be able to enjoy retirement. Yeah. Yeah. That's right. So when I say we settled, we sold recently. So we had a property which we sold. Yeah. So the opposite. So we no longer have a property. We were yeah. So we're now so I've got a very rough strategy, which I've developed. I'm probably gonna use a buyer's agent to move ahead from here, where we're looking to try and accumulate four or five properties in the next ten years, investment properties. Yeah. And and then after ten years ish, probably sell three or four of them and use that equity to have a large deposit on our forever and go from there. That's kind of a that's that's a rough idea. Yeah. Yep. Okay. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Mhmm. Yep. Yep. Yeah. Wow. Yeah. Okay. Wow. Pretty good. Yeah. Yep. Yeah. It rates at yeah. Yeah. Yeah. Yeah. It's a good thing. Yeah. For sure. Mhmm. Yep. Yeah. Yep. Yeah. Yep. Yep. Yep. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. That's right. Yep. Yeah. Yeah. Yeah. Yeah. A little bit more about you guys, I suppose. And yep. Mhmm. I don't think so. No. Yeah. It is ben j mccaskill, m c c a s k I, l l, @gmail.com. Yeah. Yeah. Yeah. Yeah. Yeah. Please. Okay. I am. North North By Gala. Yeah. Oh, okay. Yeah. No. Yeah. It's it's just on Nolan Beaches of Sydney. Pretty close to pretty close to Manly, I guess. Ten minutes away from Manly. Yep. Yeah. Okay. Yeah. Yeah. Yeah. No. That is very true. Very true. Yeah. The Inti Insula Peninsula. That's that's what it is. It's a nice place to live. Very. Very, very, very. We would like to yeah. Ideally, we'd like to buy a a forever place around here, but I don't think we'll ever be able to afford a current title property here. It may just have to be a spacious three bedroom apartment or something, but, you know, that's okay. Yes. Yep. Yeah. Yep. Yep. I have heard this. Mhmm. Yep. Yeah. Exactly. Yes. Yeah. Yeah. Yep. For sure. Yep. I've I've received it. Yeah. I can see. Mhmm. Mhmm. Yep. Yep. Yeah. Yeah. Yep. I bet. Yeah. Yeah. Yeah. That's right. It shows. Mhmm. Mhmm. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Right. Yep. Okay. Yep. Mhmm. Well, yeah, after I pay my parents back $20, which I owe them, we'll we'll have about just over 360,000 in the bank. Yep. Thinking of using helping me get a property in, like, the $70,750,000 range and using, yeah, at least a 20% deposit for that. We left them about like, my wife is Tanzanian, and she wants to explore some property stuff over there. So I have to give her some money to explore that, and hopefully, it goes well. And, yeah, I'm sort of thinking about investing in some shares with some of the other bits of money and keeping some money for a rainy day, but, yeah, that's sort of what we're thinking property wise at the moment. Yeah. Mhmm. I think that would be the the upper limit. Yeah. That would be right up there. Yep. 25 ish, I think. Mhmm. I'm thinking less. I was because I'm probably gonna my wife's I I don't know what's gonna happen with the 10 to 18 thing, but we're probably gonna if I she's probably gonna use about 75,000 to fill over there, roughly, and then probably just use 20,000 maybe on shares to start with to as, like, an initial investment and then, yeah, maybe invest more over the coming years. Yeah. No. No. That would be good, actually. Yeah. I've I've been doing my own research, but I'm yeah. I'm still just cramming all this learning into my head over the last couple of months. So I I certainly don't know anything. Yeah. Yep. That's it. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yeah. It sounds pretty pretty rough. I suppose I've gotta factor in all the other fees associated with purchasing the property, like stamp duty mainly. Yeah. Yep. And then buyer's agency is a fair bit too if I do end up going with them. But yeah. Yeah. He's the one I'm thinking of going with is $16,000 to use successors. Yep. Just a flat fee. Yes. Yeah. Yeah. Cool. Alright. Yeah. Correct. Yeah. That's fine. Yeah. Yep. Yep. Yeah. Yeah. Mhmm. 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Ben speaking. I'm good. How are you? That sounds good.\n\nNot too bad. Just running around. Few things in the morning took longer than I thought, but I'm alright. Yeah. Here with you now.\n\nYep. Yep. I'm I'm all ready to go. Yeah. That's right.\n\nYeah. Yeah. Yep. Yes. Mhmm.\n\nYeah. Well, I've never really engaged with any kind of financial adviser before, but I've, I've yeah. Elliot told me mostly about how well his super has performed since going with you guys. So I thought about doing that, sort of trying to be a bit more prudent looking ahead into the future, making wiser financial decisions. And then, yeah, I'm more I'm more curious otherwise about, you know, other forms of financial advice you guys offer and what the what how that works, how you how I pay for that and yeah.\n\nBecause I'm looking at making some in investing in some property in the next little while as well because we just settled on a place. Yeah. Thank you. And, yeah, I'm just trying to make wise investments in the future just to sort of set up my family. It is.\n\nYes. Yes. For sure. Yep. Yes.\n\nMhmm. I'm 37. 06/30/1989. Yeah. Yes.\n\nYes. It is. That's right. Yeah. Yeah.\n\nYeah. It's an easy one to remember. Yes. Yep. Yeah.\n\nMhmm. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Correct. Yeah. It's a good question. I haven't really thought about in terms of figures.\n\nIt's interesting. I try and use my my parents who I live next door to as an example because they get they're on the pension. They have no super because they use all the super to pay off their mortgage. So they're on the full pension. So I get I think they get about $3,000 a month from that, and then I I pay them $2,000 to live next door to them because they're in a situation.\n\nSo they get about $5,000 a month, and they and they got no other debts. So I guess four probably $4,000 a month, thousand dollars a week would be comfortable enough provided I'm not paying a mortgage. I feel like that would be comfortable. But who knows? In twenty three years, a thousand dollars might not be worth.\n\nYeah. Okay. Yeah. Okay. Yeah.\n\nI reckon. Yep. Yeah. Mhmm. Yeah.\n\nOkay. No worries. Yeah. Very comfortable, I suppose. Yeah.\n\nYeah. Yeah. Yeah. Mhmm. Yeah.\n\nYeah. For sure. Mhmm. Yep. Mhmm.\n\nYep. Yeah. Yeah. That sounds like a good number. A good, fairly reasonable, hopefully, achievable number.\n\nYes. Yeah. Yeah. For sure. Mhmm.\n\nYes. No. No. Well, yeah, sitting on the beach would be a good part of it, but I think just owning owning a property outright, for sure, would be a big goal. And just to be comfortable week to week, I don't have any, like, grand aspirations and just be able to support my kids if they need it.\n\nI have one child who has special needs, So who knows what's gonna happen in the future with him? It's a little bit uncertain. He may be living with us forever. Not sure. Yeah.\n\nSo it's it's just to have our own home that's paid for, maybe still have an investment on the side that is also generating a little bit of income. And, yeah, like you said, not not have to worry about money so much. Just be able to enjoy retirement. Yeah. Yeah.\n\nThat's right. So when I say we settled, we sold recently. So we had a property which we sold. Yeah. So the opposite.\n\nSo we no longer have a property. We were yeah. So we're now so I've got a very rough strategy, which I've developed. I'm probably gonna use a buyer's agent to move ahead from here, where we're looking to try and accumulate four or five properties in the next ten years, investment properties. Yeah.\n\nAnd and then after ten years ish, probably sell three or four of them and use that equity to have a large deposit on our forever and go from there. That's kind of a that's that's a rough idea. Yeah. Yep. Okay.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYeah. Mhmm. Yep. Yep. Yeah.\n\nWow. Yeah. Okay. Wow. Pretty good.\n\nYeah. Yep. Yeah. It rates at yeah. Yeah.\n\nYeah. Yeah. It's a good thing. Yeah. For sure.\n\nMhmm. Yep. Yeah. Yep. Yeah.\n\nYep. Yep. Yep. Yes. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That's right.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nA little bit more about you guys, I suppose. And yep. Mhmm. I don't think so. No.\n\nYeah. It is ben j mccaskill, m c c a s k I, l l, @gmail.com. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Please. Okay. I am.\n\nNorth North By Gala. Yeah. Oh, okay. Yeah. No.\n\nYeah. It's it's just on Nolan Beaches of Sydney. Pretty close to pretty close to Manly, I guess. Ten minutes away from Manly. Yep.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nNo. That is very true. Very true. Yeah. The Inti Insula Peninsula.\n\nThat's that's what it is. It's a nice place to live. Very. Very, very, very. We would like to yeah.\n\nIdeally, we'd like to buy a a forever place around here, but I don't think we'll ever be able to afford a current title property here. It may just have to be a spacious three bedroom apartment or something, but, you know, that's okay. Yes. Yep. Yeah.\n\nYep. Yep. I have heard this. Mhmm. Yep.\n\nYeah. Exactly. Yes. Yeah. Yeah.\n\nYep. For sure. Yep. I've I've received it. Yeah.\n\nI can see. Mhmm. Mhmm. Yep. Yep.\n\nYeah. Yeah. Yep. I bet. Yeah.\n\nYeah. Yeah. That's right. It shows. Mhmm.\n\nMhmm. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Right. Yep.\n\nOkay. Yep. Mhmm. Well, yeah, after I pay my parents back $20, which I owe them, we'll we'll have about just over 360,000 in the bank. Yep.\n\nThinking of using helping me get a property in, like, the $70,750,000 range and using, yeah, at least a 20% deposit for that. We left them about like, my wife is Tanzanian, and she wants to explore some property stuff over there. So I have to give her some money to explore that, and hopefully, it goes well. And, yeah, I'm sort of thinking about investing in some shares with some of the other bits of money and keeping some money for a rainy day, but, yeah, that's sort of what we're thinking property wise at the moment. Yeah.\n\nMhmm. I think that would be the the upper limit. Yeah. That would be right up there. Yep.\n\n25 ish, I think. Mhmm. I'm thinking less. I was because I'm probably gonna my wife's I I don't know what's gonna happen with the 10 to 18 thing, but we're probably gonna if I she's probably gonna use about 75,000 to fill over there, roughly, and then probably just use 20,000 maybe on shares to start with to as, like, an initial investment and then, yeah, maybe invest more over the coming years. Yeah.\n\nNo. No. That would be good, actually. Yeah. I've I've been doing my own research, but I'm yeah.\n\nI'm still just cramming all this learning into my head over the last couple of months. So I I certainly don't know anything. Yeah. Yep. That's it.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nMhmm. Yeah. It sounds pretty pretty rough. I suppose I've gotta factor in all the other fees associated with purchasing the property, like stamp duty mainly. Yeah.\n\nYep. And then buyer's agency is a fair bit too if I do end up going with them. But yeah. Yeah. He's the one I'm thinking of going with is $16,000 to use successors.\n\nYep. Just a flat fee. Yes. Yeah. Yeah.\n\nCool. Alright. Yeah. Correct. Yeah.\n\nThat's fine. Yeah. Yep. Yep. Yeah.\n\nYeah. Mhmm. Yes.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.023572294041514397},{"text":"Ben speaking.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.01858562882989645},{"text":"I'm good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.44008949398994446},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.30551637212435406},{"text":"That sounds good.","start":21.355,"end":22.335,"sentiment":"neutral","sentiment_score":0.30450590948263806}],"sentiment":"neutral","sentiment_score":0.2519081258638339,"num_words":11,"start":1.8399999,"end":22.335},{"sentences":[{"text":"Not too bad.","start":24.634998,"end":25.275,"sentiment":"neutral","sentiment_score":0.0996557002266248},{"text":"Just running around.","start":25.275,"end":26.769999,"sentiment":"neutral","sentiment_score":0.089115376273791},{"text":"Few things in the morning took longer than 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sounds pretty pretty rough.","start":1668.215,"end":1669.815,"sentiment":"neutral","sentiment_score":-0.03598514497280121},{"text":"I suppose I've gotta factor in all the other fees associated with purchasing the property, like stamp duty mainly.","start":1669.815,"end":1676.5549,"sentiment":"neutral","sentiment_score":-0.063764328431142},{"text":"Yeah.","start":1682.4601,"end":1682.78,"sentiment":"neutral","sentiment_score":0.040705401450395584}],"sentiment":"neutral","sentiment_score":-0.048812754176281115,"num_words":27,"start":1658.1799,"end":1682.78},{"sentences":[{"text":"Yep.","start":1682.78,"end":1683.28,"sentiment":"neutral","sentiment_score":0.0439048632979393},{"text":"And then buyer's agency is a fair bit too if I do end up going with them.","start":1683.9801,"end":1689.28,"sentiment":"neutral","sentiment_score":0.012656304108745912},{"text":"But yeah.","start":1689.3401,"end":1690.9701,"sentiment":"neutral","sentiment_score":0.014075346756726503},{"text":"Yeah.","start":1694.105,"end":1694.605,"sentiment":"neutral","sentiment_score":0.02841443009674549},{"text":"He's the one I'm thinking of going with is $16,000 to use successors.","start":1694.6649,"end":1700.6849,"sentiment":"neutral","sentiment_score":0.06118123605847359}],"sentiment":"neutral","sentiment_score":0.0326759772210875,"num_words":34,"start":1682.78,"end":1700.6849},{"sentences":[{"text":"Yep.","start":1701.5449,"end":1702.0449,"sentiment":"neutral","sentiment_score":0.11683690547943117},{"text":"Just a flat fee.","start":1702.825,"end":1704.125,"sentiment":"neutral","sentiment_score":0.04163470026105642},{"text":"Yes.","start":1724.095,"end":1724.175,"sentiment":"positive","sentiment_score":0.3380779027938843},{"text":"Yeah.","start":1724.175,"end":1724.675,"sentiment":"positive","sentiment_score":0.37658336758613586},{"text":"Yeah.","start":1735.215,"end":1735.715,"sentiment":"positive","sentiment_score":0.414467453956604}],"sentiment":"neutral","sentiment_score":0.17656305385753512,"num_words":8,"start":1701.5449,"end":1735.715},{"sentences":[{"text":"Cool.","start":1735.93,"end":1736.41,"sentiment":"positive","sentiment_score":0.5666091442108154},{"text":"Alright.","start":1736.41,"end":1736.91,"sentiment":"positive","sentiment_score":0.5441874861717224},{"text":"Yeah.","start":1746.81,"end":1747.31,"sentiment":"neutral","sentiment_score":0.01795840449631214},{"text":"Correct.","start":1748.3301,"end":1748.8301,"sentiment":"neutral","sentiment_score":0.06378211826086044},{"text":"Yeah.","start":1750.89,"end":1751.39,"sentiment":"neutral","sentiment_score":0.059304818511009216}],"sentiment":"neutral","sentiment_score":0.2503683943301439,"num_words":5,"start":1735.93,"end":1751.39},{"sentences":[{"text":"That's fine.","start":1760.705,"end":1761.525,"sentiment":"neutral","sentiment_score":0.034734003245830536},{"text":"Yeah.","start":1775.72,"end":1776.12,"sentiment":"neutral","sentiment_score":0.014746525324881077},{"text":"Yep.","start":1776.12,"end":1776.62,"sentiment":"neutral","sentiment_score":-0.007851464673876762},{"text":"Yep.","start":1791.42,"end":1791.92,"sentiment":"neutral","sentiment_score":0.05079176649451256},{"text":"Yeah.","start":1793.1001,"end":1793.5801,"sentiment":"neutral","sentiment_score":0.04229622334241867}],"sentiment":"neutral","sentiment_score":0.028241842829932768,"num_words":6,"start":1760.705,"end":1793.5801},{"sentences":[{"text":"Yeah.","start":1793.5801,"end":1794.0801,"sentiment":"neutral","sentiment_score":-0.07332846522331238},{"text":"Mhmm.","start":1806.795,"end":1807.295,"sentiment":"neutral","sentiment_score":0.13591349124908447},{"text":"Yes.","start":1813.0575,"end":1813.5575,"sentiment":"positive","sentiment_score":0.46405258774757385}],"sentiment":"neutral","sentiment_score":0.17554587125778198,"num_words":3,"start":1793.5801,"end":1813.5575}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Ben speaking.\n\nChannel 0: Hey there, Ben. It's Debbie Sotto calling. RT Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm very well. Very well. Thank you. It's work from home. We've got the team working from home on Thursday from Friday, so I'm currently in nice comfy clothes and just plugging away from my home office, to be honest.\n\nChannel 1: That sounds\n\nChannel 0: And how\n\nChannel 1: good.\n\nChannel 0: are you? Yeah. How are you doing?\n\nChannel 1: Not too bad. Just running around. Few things in the morning took longer than I thought, but I'm alright. Yeah.\n\nChannel 0: Yeah. Perfect. Well,\n\nChannel 1: Here\n\nChannel 0: is\n\nChannel 1: with\n\nChannel 0: now\n\nChannel 1: you now.\n\nChannel 0: still a good beautiful. Now is now still a good time since you've had a bit of initial consultation? Or\n\nChannel 1: Yep.\n\nChannel 0: beautiful.\n\nChannel 1: Yep. I'm I'm all ready to go.\n\nChannel 0: Beautiful. Well, firstly first and foremost, thank you for reaching out then. I believe you were referred from your friend Elliot. So I'm glad that\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: That's right.\n\nChannel 0: you know, we did enough of a good job with him to be able to provide good word-of-mouth, which is nice.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So it's quite cheap. And it's just just I've just had a quick, you know, review of the notes, just your conversation with my colleague, Maddie.\n\nChannel 1: Yep.\n\nChannel 0: And I think you're just looking at kind of getting some advice on superannuation insurance, things like that. But, yeah,\n\nChannel 1: Yes.\n\nChannel 0: give me a look let me give me a little bit of a load up. Kinda what you're\n\nChannel 1: Mhmm.\n\nChannel 0: looking for, what you're hoping for, what kind of service you're after, or where's your head at?\n\nChannel 1: Yeah. Well, I've never really engaged with any kind of financial adviser before, but I've, I've yeah. Elliot told me mostly about how well his super has performed since going with you guys. So I thought about doing that, sort of trying to be a bit more prudent looking ahead into the future, making wiser financial decisions. And\n\nChannel 0: Yep.\n\nChannel 1: then, yeah, I'm more I'm more curious otherwise about, you know, other forms of financial advice you guys offer and what the what how that works, how you how I pay for that and yeah. Because I'm looking at making some in investing in some property in the next little while as well because we just settled on a place.\n\nChannel 0: Congratulations.\n\nChannel 1: Yeah. Thank you. And, yeah, I'm just trying to make wise investments in the future just to sort\n\nChannel 0: Okay.\n\nChannel 1: of set up my family.\n\nChannel 0: Absolutely. That's the overall goal. Right? And\n\nChannel 1: It is.\n\nChannel 0: what about while doing so, probably you probably agree with me, we also wanna try and pay as minimal tax as possible along the way because more\n\nChannel 1: Yes.\n\nChannel 0: often enough clients agree that we know how to spend our money. We know how to spend our money better than the government does. So we\n\nChannel 1: Yes.\n\nChannel 0: try and\n\nChannel 1: For sure.\n\nChannel 0: we try and work out the most tax effective ways to do that too.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Well, behind every let's let's break that down a little bit more. So when you say you wanna be set up financially for yourself and your family in the future, right, What does that\n\nChannel 1: Yes.\n\nChannel 0: look like for you? Do you wanna retire\n\nChannel 1: Mhmm.\n\nChannel 0: early? How old are you at the moment?\n\nChannel 1: I'm 37.\n\nChannel 0: 37. Beautiful. What's your date of birth?\n\nChannel 1: 06/30/1989.\n\nChannel 0: June. That is a great date of birth because it is the end of financial check.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So so when\n\nChannel 1: Yes. Yes.\n\nChannel 0: we\n\nChannel 1: It\n\nChannel 0: speak\n\nChannel 1: is.\n\nChannel 0: to it so when we start working at tax effective strategies, we'll be in touch, and I can say happy birthday the day\n\nChannel 1: That's right. Yeah. Yeah. Yeah. It's\n\nChannel 0: before.\n\nChannel 1: an easy one to remember.\n\nChannel 0: Yeah. Perfect. Okay. So because you're 37 years old, when you say you want to retire and, like, financially be be in a financial position to look after your so for your family, what does that look like? Have you ever thought about, like, what that looks like?\n\nYou know, most clients say, well, if we're looking at superannuation, you can only access super by age 60 without preservation\n\nChannel 1: Yes.\n\nChannel 0: age.\n\nChannel 1: Yep.\n\nChannel 0: So if we're using that kind of time horizon, right, to looking at what's that twenty twenty three years until 60,\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: In twenty three years, what did you what did you want your super to be looking like? Do you wanna and the way\n\nChannel 1: Mhmm.\n\nChannel 0: I like to pitch this to clients is, well, do you like, what what what would be a comfortable retirement? Let's say you've got no mortgage. You've got\n\nChannel 1: Yeah.\n\nChannel 0: so you got no mortgage, no debt. But if that was the case, then what what do you wanna live on per week? A thousand dollars, 1,500, 500? What what do you think is suitable income would be? Because your kids will be moved out, so I'm gonna be hearing the message.\n\nRight?\n\nChannel 1: Yeah. Yeah. Yeah. Correct. Yeah.\n\nIt's a good question. I haven't really thought about in terms of figures. It's interesting. I try and use my my parents who I live next door to as an example because they get they're on the pension. They have no super because they use all the super\n\nChannel 0: Yep.\n\nChannel 1: to pay off their mortgage. So they're on the full pension. So I get I think they get about $3,000 a month from that, and then I I pay them $2,000 to live next door to them because they're in a situation. So they get about $5,000 a month,\n\nChannel 0: Yep.\n\nChannel 1: and they and they got no other debts. So I guess four probably $4,000 a month, thousand dollars a week would be comfortable enough provided I'm not paying a mortgage. I feel like that would be comfortable. But who knows? In twenty three years, a thousand dollars might not be\n\nChannel 0: Well, let's just say\n\nChannel 1: worth.\n\nChannel 0: in today yeah. Well, you're absolutely\n\nChannel 1: Yeah.\n\nChannel 0: right. Inflation will lead to that. But when we do our calculation, just so you're aware, like, do it in today's dollars because we include three percent inflation, actually, three and a\n\nChannel 1: Okay.\n\nChannel 0: half percent inflation at\n\nChannel 1: Yeah.\n\nChannel 0: the moment.\n\nChannel 1: Okay.\n\nChannel 0: So in today's dollars, do you think a thousand dollars would be enough per week?\n\nChannel 1: Yeah. I reckon. Yep.\n\nChannel 0: That's to give you an idea, it's about a thousand dollars a week is somewhere in the realms of a couple. We're going and enjoying life. Don't worry too much about money because you still have a basis there.\n\nChannel 1: Yeah.\n\nChannel 0: I'll explain that in a second. But\n\nChannel 1: Mhmm.\n\nChannel 0: about two to three overseas holidays a year. If that would get that.\n\nChannel 1: Yeah. Okay. No worries.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Very comfortable,\n\nChannel 0: Beautiful.\n\nChannel 1: I suppose.\n\nChannel 0: Alright. So let's let's let's let's put that down as some sort of goals to work towards together.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So and the reason why I say that, you know, base base base value. So I guess that the concept of financial freedom, right, is a good point. So so financial\n\nChannel 1: Yeah.\n\nChannel 0: freedom is have is essentially having enough of an asset pool of appreciating assets that can grow by a certain percentage every year, and then you\n\nChannel 1: Mhmm.\n\nChannel 0: can draw that out and not affect the baseline level, your your asset pool whatsoever. And then you're living on free money. It's interest. So that's essentially that's essentially financial freedom.\n\nChannel 1: Yeah.\n\nChannel 0: So if\n\nChannel 1: Yeah.\n\nChannel 0: you're looking\n\nChannel 1: For\n\nChannel 0: at a\n\nChannel 1: sure.\n\nChannel 0: thousand you know what I mean? So if you're looking at a thousand dollars a week, that's essentially $52,000 a year. There's 52\n\nChannel 1: Mhmm.\n\nChannel 0: weeks in a year. And let's just say you wanna get a another five, you you know, nest of all fees, cash rate, it's currently 4.35%. If you only sits in, you know, very low risk major triple a rated bonds from, like, the top four banks. Right?\n\nChannel 1: Yep.\n\nChannel 0: The and inflation all that, it's their 5% return. Right?\n\nChannel 1: Mhmm.\n\nChannel 0: So if we can get a 5% return on a certain balance to achieve $52,000, that's essentially $1,040,000.\n\nChannel 1: Yep.\n\nChannel 0: Right? Because if you got $1,040,000, it grows by 5%. That means it'll grow by $52,000. You draw that out, you will have a thousand dollars per week, and you'll still be left the end of the financial year with $1,040,000. So is that\n\nChannel 1: Yeah.\n\nChannel 0: is that a good number that we can start working towards in terms of the goal? Or\n\nChannel 1: Yeah. That sounds like a good number. A good, fairly reasonable, hopefully, achievable number.\n\nChannel 0: well, we'll do math and make sure that, you know, all things all things aside, if we can get you into a better position, we would definitely be recommending. But just so you're\n\nChannel 1: Yes.\n\nChannel 0: aware, if we we do the numbers and for some reason we can't get you into a better position, then I'm gonna be the first one to call you and say, hey. Stay doing what you're doing because the only person that's gonna win out of the situation is me. Because you're gonna pay me fees and then you're gonna be going backwards. So what's the point?\n\nChannel 1: Yeah.\n\nChannel 0: Right?\n\nChannel 1: Yeah. For sure.\n\nChannel 0: So that's that's something to continue to give you peace of mind about as well. Okay. So what does retirement so let's say you get to age 60 and you you got the 1,000,040, hopefully more. Right? What does your time look like?\n\nWhat do you wanna kinda what do you wanna kinda achieve?\n\nChannel 1: Mhmm.\n\nChannel 0: I\n\nChannel 1: Yes.\n\nChannel 0: know that you've got your you settle on your home. You wanna try and build equity, and then you set investment properties. That's one goal. That's medium short to medium term goals. But, yeah, what does your time look like for you?\n\nSome some clients on super jobs and penthouses and some clients when I sit on the beach\n\nChannel 1: No.\n\nChannel 0: and\n\nChannel 1: No. Well, yeah, sitting on\n\nChannel 0: what?\n\nChannel 1: the beach would be a good part of it, but\n\nChannel 0: Perfect. K.\n\nChannel 1: I think just owning owning a property outright, for sure, would be a big goal. And just to be comfortable week to week, I don't have any, like, grand aspirations and just be able to support my kids if they need it. I have one child who has special needs, So who knows what's gonna happen in the future with him? It's a little bit uncertain. He may be living with us forever.\n\nNot sure. Yeah. So it's it's just to have our own home that's paid for, maybe still have an investment on the side that is also generating a little bit of income. And, yeah, like you said, not not have to worry about money so much. Just be\n\nChannel 0: Okay.\n\nChannel 1: able to enjoy retirement.\n\nChannel 0: Yeah. Well, you've done the hard yards. That's the whole point of it. Right? And the sooner the better.\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: Yeah. I got it. Okay. Beautiful. Now let's so you you you said something in there that was a little bit more about kind of indicate a little bit more behind your your pain of your home.\n\nYou said you wanted to try and have no debt, no fee invest outside. So let's talk about that new settled property because we can do debt reduction strategies and show you the benefits of adding a bit more towards your mortgage. So when you say that you wanted to pay your home or five be debt free by the age of 60, do you want 60 to be a good time, like, a time frame for you to pay off your mortgage? So you're more than likely, I'm assuming, you settled on a thirty year term.\n\nChannel 1: So when I say we settled, we sold recently. So we had a property which we sold.\n\nChannel 0: Oh, k.\n\nChannel 1: Yeah. So the opposite. So we no longer have a property.\n\nChannel 0: K.\n\nChannel 1: We\n\nChannel 0: And\n\nChannel 1: were\n\nChannel 0: are you looking or\n\nChannel 1: yeah. So we're now so\n\nChannel 0: k.\n\nChannel 1: I've got a very rough strategy, which I've developed. I'm probably gonna use a buyer's agent to move ahead from here,\n\nChannel 0: Mhmm.\n\nChannel 1: where we're looking to try and accumulate four or five properties in the next ten years,\n\nChannel 0: It's terrible.\n\nChannel 1: investment properties. Yeah. And and then after ten years ish, probably sell three or four of them and use that equity to have a large deposit on our forever\n\nChannel 0: Understood.\n\nChannel 1: and go from there. That's kind of a that's that's a rough idea.\n\nChannel 0: Okay. So great idea. So\n\nChannel 1: Yeah.\n\nChannel 0: in Australia, we pay some of the highest marginal tax rates in the world. We're kind of, like, 26 or something on the planet. But in saying that, we are number one for being an investor's haven. And what I mean by\n\nChannel 1: Yep.\n\nChannel 0: that is because we can deduct a 100% of the interest that is paid on on any sort of loan that's for investment purposes, which is crazy.\n\nChannel 1: Okay.\n\nChannel 0: Right?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: So when you're talking about a property strategy, I've done a few of them. You you broke out. It's from from, you know, what feels like a lifetime of doing financial advice, it's I've seen that strategy work really, really well from a tax perspective in buying a property and living in it for your primary place or residence and paying that off as much as possible so that you can start leveraging. So you don't wanna\n\nChannel 1: Yep.\n\nChannel 0: go there and send LVR because then you initiate loan mortgage insurance. But if\n\nChannel 1: Yeah.\n\nChannel 0: we get\n\nChannel 1: Yeah.\n\nChannel 0: a million dollar property, right, and you pay to the $800,000 loan, so a 20% deposit, then\n\nChannel 1: Mhmm.\n\nChannel 0: you pay that off down to just under 600,000. You can use another two and say the property increases in value of that time by 100,000. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Then you're looking at about 300 k worth of LVR loan to valuation there.\n\nChannel 1: Yep.\n\nChannel 0: So you can leverage against that. So instead of selling, you just borrow against it and move into the next one. And\n\nChannel 1: Yeah.\n\nChannel 0: I've seen it I've actually seen it in twelve years of client build a property portfolio of nine properties in twelve years.\n\nChannel 1: Wow. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Wow. Pretty good.\n\nChannel 0: but the best thing is there's a thing called the six year rule. Some accounts just like\n\nChannel 1: Yeah.\n\nChannel 0: it, they don't. We love it. Those financial planners because if you live in a property for more than twelve months, let's say, you disperse the next house you buy, living in as\n\nChannel 1: Yep.\n\nChannel 0: your primary property residence for twelve months, then if you can leverage and borrow and buy something else and go live in that. Because if you move back into that first property within six years or another six months, then\n\nChannel 1: Yeah.\n\nChannel 0: you when\n\nChannel 1: It rates\n\nChannel 0: you\n\nChannel 1: at\n\nChannel 0: sell it,\n\nChannel 1: yeah.\n\nChannel 0: it's Gary says no capital gains tax on those five years.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So that's\n\nChannel 1: It's\n\nChannel 0: important.\n\nChannel 1: a good thing.\n\nChannel 0: That's important\n\nChannel 1: Yeah. For sure.\n\nChannel 0: to us. So that's this is how you kinda get them. And then the first the fact of the matter is if you buy that and it's gone up by usually, property professional property investors, they sell at 1.8 times valuation of purchase price. So you buy something for 1,000,000, gets to grow some value, depreciates in value to 1.8 times, so 1.8\n\nChannel 1: Mhmm.\n\nChannel 0: million, they'll sell\n\nChannel 1: Yep.\n\nChannel 0: it.\n\nChannel 1: Yeah.\n\nChannel 0: That's the\n\nChannel 1: Yep.\n\nChannel 0: rule of thumb. No. There's no real no real correct or incorrect way to do it, but that's that's a good number to work towards.\n\nChannel 1: Yeah.\n\nChannel 0: So, yeah, we can absolutely help out with that. But, yeah, by finding the buyer's agents, I find a lot of value in. I've used a few of them myself\n\nChannel 1: Yep.\n\nChannel 0: in regards to finding investment properties. But I suppose in your situation, for your purpose, because every investment needs a purpose. That's what a lot of people lose out. They lose they lose the purpose of, oh, I want a lot of money, and they start living on that money. Think of it as like a dog with a bone.\n\nRight? You got a loyal\n\nChannel 1: Yep.\n\nChannel 0: dog, you give it a bone, go to the market, bring me a bigger bone. And they will carry\n\nChannel 1: Yep.\n\nChannel 0: on doing that until you start keeping that bone for yourself because you stop caring and stop stop showing loyalty to the dog or your money. And sooner or\n\nChannel 1: Yes.\n\nChannel 0: later, that that dog's gonna lose loyalty for you. It's gonna take that money somewhere else, so that bone somewhere else. Alright?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So it's a good mentality. I went through about a long time ago. But yeah. No. That that that makes sense.\n\nSo five\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: properties, hopefully, in the space of ten, twelve years. Is that what you're heading for?\n\nChannel 1: Yeah. That's right. Yep.\n\nChannel 0: Beautiful. Okay. Anything else you kind of wanted to discuss? Because I'm I'm happy. I've got a pretty good idea of what you're looking for, what you wanna achieve, what you guys and objectives.\n\nChannel 1: Yeah.\n\nChannel 0: So I like, if you unless there's anything else you wanted to kinda pick my brain about, but I can show you a little bit more about us on the financial services guide, and we can go from\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: Yeah. Yeah. A little bit more about you guys, I suppose.\n\nChannel 0: Yeah. Yeah. For sure.\n\nChannel 1: And yep.\n\nChannel 0: Amazing. So when Madison sent you an email, did she attach actually, you know what? I'll just send you I'll send you a new email\n\nChannel 1: Mhmm.\n\nChannel 0: with our financial services guide. I'm not too sure. I can see from your file. I don't think you received the the attachments. So\n\nChannel 1: I don't\n\nChannel 0: and\n\nChannel 1: think\n\nChannel 0: you're\n\nChannel 1: so. No. Yeah.\n\nChannel 0: what's okay. What's your best email address?\n\nChannel 1: It is ben j mccaskill, m c c\n\nChannel 0: Mhmm.\n\nChannel 1: a s k\n\nChannel 0: Yep.\n\nChannel 1: I, l l,\n\nChannel 0: Yep.\n\nChannel 1: @gmail.com.\n\nChannel 0: @gmail.com. Need a healthy base. Beautiful. There we go. Give me one second.\n\nI'm just gonna reply something very basic like, you know, as discussed or something like that.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nPlease.\n\nChannel 0: Beautiful. I'm gonna say it is lovely you virtually meet with you. Technically,\n\nChannel 1: Okay.\n\nChannel 0: we're in Port New South Wales. Right?\n\nChannel 1: I am.\n\nChannel 0: Okay. Is that it says Balgola. Is that North Balgola or North Bangalore?\n\nChannel 1: North North By Gala. Yeah.\n\nChannel 0: Okay. Beautiful. But I don't know where that is. I thought South Bangalore. My parents are in Bangalore, actually.\n\nSo that's why I thought I might just ask the question.\n\nChannel 1: Oh, okay. Yeah. No. Yeah. It's it's just on Nolan Beaches of Sydney.\n\nChannel 0: Yeah.\n\nChannel 1: Pretty\n\nChannel 0: Okay.\n\nChannel 1: close to pretty close to Manly, I guess. Ten minutes away from Manly. Yep.\n\nChannel 0: Oh, okay. Perfect. That's my my fiance is actually from down that way. She's Northern Beaches girl.\n\nChannel 1: Yeah.\n\nChannel 0: So it's hard to find the nice Northern Beaches girl these days, but to tell you what, she's an\n\nChannel 1: Okay.\n\nChannel 0: absolute queen.\n\nChannel 1: Yeah. Yeah. Yeah. No. That is very true.\n\nVery true.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. The\n\nChannel 0: I don't want\n\nChannel 1: Inti\n\nChannel 0: to talk.\n\nChannel 1: Insula Peninsula. That's that's what it is. It's a nice place to live.\n\nChannel 0: Yeah. It's a bit expensive in the property market. No. That's what\n\nChannel 1: Very.\n\nChannel 0: it is. Very.\n\nChannel 1: Very, very, very. We would like to yeah. Ideally, we'd like to buy a a forever place around here, but I don't think we'll ever\n\nChannel 0: Yep.\n\nChannel 1: be able to afford a current title property here. It may just have to be a spacious three bedroom apartment or something, but, you know, that's okay.\n\nChannel 0: Yep. No. That's right. Well, like, we build a property portfolio that the thing is when you when you get to about, you know, three properties and you're living in the second or third one or the first one by that\n\nChannel 1: Yes.\n\nChannel 0: point, what usually happens is is that it's actually beneficial to from a tax perspective, from your kind of wage, nor anybody above the high in the anybody in the highest tax bracket. Anywhere between the 37, 39 percenters. So above a 120, a 130,000.\n\nChannel 1: Yep.\n\nChannel 0: It's usually more beneficial to actually rent where you wanna live and then rent the other all three properties out as investments\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: because\n\nChannel 1: I\n\nChannel 0: then\n\nChannel 1: have\n\nChannel 0: you\n\nChannel 1: heard\n\nChannel 0: can\n\nChannel 1: this.\n\nChannel 0: use Yeah. So that usually, people say different property amounts. So I say three because it it just seems to be the right kind of medium to kinda get to that even breakeven point where you're property because your rent has been deductible.\n\nChannel 1: Mhmm.\n\nChannel 0: So,\n\nChannel 1: Yep.\n\nChannel 0: you know, you're using you've got these properties to manage. You need to use a past portion of your rental property that you're living in to pay for you know, to to manage those properties and do all the admin work and pay the rates and heat and all that stuff. So,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: Exactly.\n\nChannel 0: just I would assume that your office is in the largest area of your house in the living room, which makes up with the the, you know, the\n\nChannel 1: Yes.\n\nChannel 0: the kitchen, your bathroom, all that. It's about 60% of your property. If you got a thousand dollars a week for that property that you're living in nice apartment in, then, you know, it sounds like $600 or about a thousand is deductible to me.\n\nChannel 1: Yeah. Yeah. Yep. For sure.\n\nChannel 0: Perfect. Now I've sent you out that email. It's gonna be out there in the ether web somewhere.\n\nChannel 1: Yep. I've I've received it. Yeah. I\n\nChannel 0: But\n\nChannel 1: can\n\nChannel 0: beautiful.\n\nChannel 1: see.\n\nChannel 0: Okay. So the first attachment is your it's our Oakview services guide. So\n\nChannel 1: Mhmm.\n\nChannel 0: this tool will give you a little bit more about who we are, why we started, what the goal is, and then the next document, the financial services guide, which is more of the compliance side fees, forward license to do, things like that. Okay? So we are OP Financial. Are you looking at that front page with picture of Gold Coast?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Beautiful. So myself and my business partner, we we got into a lot of deaths from an angel investor to start this vision of Oakview Financial in a garage in Pimpama, inland suburb far away. And,\n\nChannel 1: Yep.\n\nChannel 0: yeah, we we ended up just kinda going well, like, let's do this because we were you know, we've been I've been in the industry and financial industry since I left uni, all around the world, worked as a broker, spoke broke around the world as well. And, you know, I've seen a lot of shady characters out there. A lot\n\nChannel 1: Yeah.\n\nChannel 0: of them.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: because\n\nChannel 1: bet.\n\nChannel 0: it's because it's easy. You know? It's easy in the finance to kind of manipulate these and the hide things through strange acronyms like ICRs. I mean, your super fund right now charging you an ICR, an indirect cost ratio, and MERs, and some some some bank or some investment bank or something. Our asset manager back in the sixties to eighties came up, said, well, now clients are switching on to know that, you know, fees aren't being charged.\n\nSo let's just name them something different with some convoluted acronym. That's pretty much\n\nChannel 1: Yeah.\n\nChannel 0: what they are. But at the end of the day, when you see a three letter acronym, it's just fee. Okay?\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: So\n\nChannel 1: right. It shows.\n\nChannel 0: we thought during the time that we were kind of thinking about retail business plan and everything, we we during that time, we looked at we looked at starting the company, and\n\nChannel 1: Mhmm.\n\nChannel 0: it was right at the time of the Hain Royal Commission. It's banking provider.\n\nChannel 1: Mhmm.\n\nChannel 0: And we saw that a lot of individuals were doing things like charging exorbitant amounts on asset portfolios and deceased estates. And, you know, you can look at the broad commission yourself, but there's a lot of unethical behavior there. But there\n\nChannel 1: Yeah.\n\nChannel 0: are a\n\nChannel 1: Yep.\n\nChannel 0: few of us that are trying to do the right thing.\n\nChannel 1: Yep.\n\nChannel 0: We like to do we are those people. So we started\n\nChannel 1: Yep.\n\nChannel 0: the company with the vision of being the most trusted financial planning firm in Australia. On that second page, there's a bit of a breakdown there and what what our core mission is and how we're gonna achieve that as well as our core values. We'll\n\nChannel 1: Yep.\n\nChannel 0: make this far from the team chance, those core values in detail. So they probably got PTSD about it from that kind of\n\nChannel 1: Yep.\n\nChannel 0: but HR for that gives you a bit of a breakdown on on the overall kind of algorithm strategy that I've seen work over time. I mean, CBA, the largest bank, is actually the most expensive share wise. Most expensive bank on the planet is Commonwealth Bank of Australia.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Yeah. And if you have a look at their process, they do this same approach, exact same approach with their old financial plans that was a ladder. Seeing boutique firms in The UK, I work for them, Scania, as well as Old Mutual. They they do it in a base four pitch approach, like a base one, base two, base three, and then you get\n\nChannel 1: Yep.\n\nChannel 0: a home run. But\n\nChannel 1: Okay.\n\nChannel 0: at the end of it, it's all the same kind of thing. Right? It's all the\n\nChannel 1: Yep.\n\nChannel 0: same thing and it works.\n\nChannel 1: Mhmm.\n\nChannel 0: So at the moment, you know, you've got you've got some backing behind you. You've sold your property. How much was the proceeds from that property?\n\nChannel 1: Well, yeah, after I pay my parents back $20, which I owe them,\n\nChannel 0: Yep.\n\nChannel 1: we'll we'll have about just over 360,000\n\nChannel 0: Three hundred sixty\n\nChannel 1: in the\n\nChannel 0: thousand.\n\nChannel 1: bank. Yep.\n\nChannel 0: Okay. Well, I think I will come and copy. Yeah. What kind of deposit were you thinking of using for that to purchase a new\n\nChannel 1: Thinking of using helping me get a property in, like, the $70,750,000 range and using, yeah, at least a 20% deposit for that. We left them about like, my wife is Tanzanian, and she wants to explore some property stuff over there. So I have to give her some money to explore that, and hopefully, it goes well. And, yeah, I'm sort of thinking about investing in some shares with some of the other bits of money and keeping some money for a rainy day, but, yeah, that's sort of what we're thinking property wise\n\nChannel 0: Alright.\n\nChannel 1: at the moment.\n\nChannel 0: So if you say 700, let's let's bump it up a bit. So especially\n\nChannel 1: Yeah.\n\nChannel 0: for your where you're at at the moment. So I would say let's give about 900,000 purchase price. Would that be\n\nChannel 1: Mhmm.\n\nChannel 0: too much? Or\n\nChannel 1: I think that would be the the upper limit. Yeah.\n\nChannel 0: okay.\n\nChannel 1: That\n\nChannel 0: So\n\nChannel 1: would be\n\nChannel 0: 900\n\nChannel 1: right up\n\nChannel 0: thousand\n\nChannel 1: there.\n\nChannel 0: up the limit, 20% deposit, a 180,000 off that $3.50.\n\nChannel 1: Yep.\n\nChannel 0: K. 180 k for deposit. Yeah. When you say rainy day amount, how much would you like? 50?\n\n25? 10?\n\nChannel 1: 25 ish, I think.\n\nChannel 0: Yep. Let's go. On. Yeah. Let's let's let's go 25.\n\nSo 25 k for rainy day account. Beautiful. So if I take that off, it's the other $3.50 minus $1.80 minus 25. You're looking at having a 145,000\n\nChannel 1: Mhmm.\n\nChannel 0: left over. I'm assuming you would want to purchase new furniture and things like that. So would you would you think that, like, maybe a $100 for a share portfolio would be reasonable, or were you thinking less than that?\n\nChannel 1: I'm thinking less.\n\nChannel 0: Okay.\n\nChannel 1: I was because I'm probably gonna my wife's I I don't know what's gonna happen with the 10 to 18 thing, but we're probably gonna if I she's probably gonna use about 75,000 to fill over there, roughly, and then probably just use 20,000 maybe on shares to start with to as, like, an initial investment and then, yeah, maybe invest more over the coming years.\n\nChannel 0: Would you okay. Would you like me to create a share portfolio for you and remanage it, or would you like to do it yourself?\n\nChannel 1: Yeah. No. No. That would be good, actually. Yeah.\n\nI've I've been doing my own research, but I'm yeah. I'm still just cramming all this learning into my head over the last couple of months.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: There's a\n\nChannel 1: I\n\nChannel 0: lot.\n\nChannel 1: I certainly\n\nChannel 0: There's\n\nChannel 1: don't\n\nChannel 0: a lot.\n\nChannel 1: know anything.\n\nChannel 0: Yeah. There is every information\n\nChannel 1: Yeah.\n\nChannel 0: with the boom of AI and things like that. It's amazing how many professional investors there are out there, and they end up putting, you know, outside of the demo account, and they lose all their money on the line. Right? So\n\nChannel 1: Yep.\n\nChannel 0: so, yeah,\n\nChannel 1: That's\n\nChannel 0: now\n\nChannel 1: it.\n\nChannel 0: we can I'll say 25. So\n\nChannel 1: Yep.\n\nChannel 0: just to reiterate, out of that $350,000 worth of cash in the bank, you wanna add about a 180,000 for a deposit on a on your Hotpeck's home.\n\nChannel 1: Yep.\n\nChannel 0: You're gonna use keep already so it's $371.80 is gonna go to the deposit of new home, 20,000 to pay back to parents, which leaves\n\nChannel 1: Mhmm.\n\nChannel 0: which is that $3.50 and then the $11.80. The $1.25 k on a rainy rainy day account just like an emergency back in somewhere savings. That leaves\n\nChannel 1: Yep.\n\nChannel 0: you with a 145,000. Your partner wants to go to Tanzania, purchase $75,000 to use about 70 depending, but use about $75,000 of that $1.45 remainder to\n\nChannel 1: Yep.\n\nChannel 0: to purchase property over there. And\n\nChannel 1: Mhmm.\n\nChannel 0: you're looking at a share portfolio with the remainder of that to purchase to of about $25,000 to purchase a shared portfolio. Right?\n\nChannel 1: Yeah. It sounds pretty pretty rough. I suppose I've gotta factor in all the other fees associated with purchasing the property, like stamp duty mainly.\n\nChannel 0: That's why I got the upper limit. So keep my next 20% of $900.\n\nChannel 1: Yeah. Yep. And then buyer's agency is a fair bit too if I do\n\nChannel 0: Yeah.\n\nChannel 1: end up going with them. But\n\nChannel 0: Maybe about 12\n\nChannel 1: yeah.\n\nChannel 0: percent or something, 12% of purchase points or\n\nChannel 1: Yeah. He's the one I'm thinking of going with is $16,000\n\nChannel 0: That's\n\nChannel 1: to\n\nChannel 0: pretty\n\nChannel 1: use successors.\n\nChannel 0: good.\n\nChannel 1: Yep. Just a flat fee.\n\nChannel 0: Well well, if I look at that and you go, well, you know, if you take the 75 from the TransUnion property, and you don't put it, that leaves you 70 that leaves you 70,000, And you minus up to 25,000, it leaves you with 45 about $45,000. So, yeah,\n\nChannel 1: Yes. Yeah.\n\nChannel 0: that that should be more than enough for cash just to keep it going. You're still gonna be working on any income as well. So that's all. I think that's a pretty good rough estimate for us to work with.\n\nChannel 1: Yeah. Cool. Alright.\n\nChannel 0: Beautiful. So let's go back to the process. Looking at your situation at the moment, you're kind of you're not really, but you're kind of at seedling again. Right? Because you\n\nChannel 1: Yeah.\n\nChannel 0: sold your property. Now you got all\n\nChannel 1: Correct.\n\nChannel 0: this cash. What are we gonna do? Right?\n\nChannel 1: Yeah.\n\nChannel 0: So the first step is essentially and we we're nerds, to be honest. Then so just just bear with me. But, like, you know,\n\nChannel 1: That's\n\nChannel 0: we're\n\nChannel 1: fine.\n\nChannel 0: finance we're definitely finance. I'm the nerdiest finance there is. I can guarantee that. But yeah. So if you look at the roots, this is what I think about, you know, the tree, like a tree, it's an acorn.\n\nIf you order oak view oak tree, there is\n\nChannel 1: Yeah.\n\nChannel 0: a game, but\n\nChannel 1: Yep.\n\nChannel 0: bear with me. They started this evening in the ground. You got you're in the dark. You don't know which way is up. You don't know where the sun is.\n\nYeah. You don't know what's going on. You have no real kind of growth plan, no strategy, and no real direction, but you you wanna do something. Right?\n\nChannel 1: Yep.\n\nChannel 0: You know you need to grow.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: what we wanna do is set up these, like, something that works in the background, kinda like under the ground, like roots of a tree, and that is essentially your superannuation and your insurances first and foremost because you're super you're\n\nChannel 1: Mhmm.\n\nChannel 0: contributing to just automatically and it's great for the time. It's in the tax effective environment. Right? So\n\nChannel 1: Yes.\n\nChannel 0: if we set that up correctly to get you a better return and grow more every year compounding, we can you want that to work as hard as possible for you. But then at the same time, you also need to make sure that you're insured, and you need to make sure that you're insured for enough. Because if you're setting up a family and all those, you know, everything that you wanna achieve that were in line with your goals, if something goes wrong, you wanna make sure that you're happy. Right? Nope.\n\nYou there? Then I've lost you.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.023572294041514397},{"text":"Ben speaking.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.01858562882989645}],"sentiment":"neutral","sentiment_score":0.020247850567102432,"channel":1,"num_words":3,"start":1.8399999,"end":3.06},{"sentences":[{"text":"Hey there, Ben.","start":3.36,"end":4.08,"sentiment":"neutral","sentiment_score":0.0670267070333163},{"text":"It's Debbie Sotto calling.","start":4.08,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.06364471185952425},{"text":"RT Financial.","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.06466206163167953},{"text":"How are you?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.11899618804454803}],"sentiment":"neutral","sentiment_score":0.07849763799458742,"channel":0,"num_words":12,"start":3.36,"end":7.14},{"sentences":[{"text":"I'm good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.44008949398994446},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.30551637212435406}],"sentiment":"positive","sentiment_score":0.3593456208705902,"channel":1,"num_words":5,"start":7.44,"end":8.66},{"sentences":[{"text":"I'm very well.","start":8.8,"end":9.5199995,"sentiment":"positive","sentiment_score":0.541612446308136},{"text":"Very well.","start":9.5199995,"end":10.08,"sentiment":"positive","sentiment_score":0.6613211631774902},{"text":"Thank you.","start":10.08,"end":10.559999,"sentiment":"positive","sentiment_score":0.6910931468009949},{"text":"It's work from home.","start":10.559999,"end":11.84,"sentiment":"positive","sentiment_score":0.36524752527475357},{"text":"We've got the team working from home on Thursday from Friday, so I'm currently in nice comfy clothes and just plugging away from my home office, to be honest.","start":11.84,"end":20.965,"sentiment":"positive","sentiment_score":0.3597776900077688}],"sentiment":"positive","sentiment_score":0.4056052267551422,"channel":0,"num_words":40,"start":8.8,"end":20.965},{"sentences":[{"text":"That sounds","start":21.355,"end":21.835,"sentiment":"neutral","sentiment_score":0.2773490771651268}],"sentiment":"neutral","sentiment_score":0.2773490771651268,"channel":1,"num_words":2,"start":21.355,"end":21.835},{"sentences":[{"text":"And how","start":21.585,"end":21.985,"sentiment":"neutral","sentiment_score":0.3264409899711609}],"sentiment":"neutral","sentiment_score":0.3264409899711609,"channel":0,"num_words":2,"start":21.585,"end":21.985},{"sentences":[{"text":"good.","start":21.835,"end":22.335,"sentiment":"positive","sentiment_score":0.3588195741176605}],"sentiment":"positive","sentiment_score":0.3588195741176605,"channel":1,"num_words":1,"start":21.835,"end":22.335},{"sentences":[{"text":"are you?","start":21.985,"end":22.565,"sentiment":"neutral","sentiment_score":0.18127938359975815},{"text":"Yeah.","start":22.625,"end":22.865,"sentiment":"neutral","sentiment_score":0.14039047062397003},{"text":"How are you doing?","start":22.865,"end":23.765,"sentiment":"neutral","sentiment_score":0.13440405204892159}],"sentiment":"neutral","sentiment_score":0.14865220657416753,"channel":0,"num_words":7,"start":21.985,"end":23.765},{"sentences":[{"text":"Not too bad.","start":24.634998,"end":25.275,"sentiment":"neutral","sentiment_score":0.0996557002266248},{"text":"Just running around.","start":25.275,"end":26.769999,"sentiment":"neutral","sentiment_score":0.089115376273791},{"text":"Few things in the morning took longer than I thought, but I'm alright.","start":26.769999,"end":29.67,"sentiment":"neutral","sentiment_score":0.020479818949332602},{"text":"Yeah.","start":30.13,"end":30.63,"sentiment":"neutral","sentiment_score":0.1141653060913086}],"sentiment":"neutral","sentiment_score":0.04733580909669399,"channel":1,"num_words":20,"start":24.634998,"end":30.63},{"sentences":[{"text":"Yeah.","start":30.24,"end":30.56,"sentiment":"neutral","sentiment_score":0.1743554174900055},{"text":"Perfect.","start":30.56,"end":30.960001,"sentiment":"positive","sentiment_score":0.34513717889785767},{"text":"Well,","start":30.960001,"end":31.12,"sentiment":"neutral","sentiment_score":0.1723649799823761}],"sentiment":"neutral","sentiment_score":0.23061919212341309,"channel":0,"num_words":3,"start":30.24,"end":31.12},{"sentences":[{"text":"Here","start":31.009998,"end":31.25,"sentiment":"neutral","sentiment_score":0.23497864603996277}],"sentiment":"neutral","sentiment_score":0.23497864603996277,"channel":1,"num_words":1,"start":31.009998,"end":31.25},{"sentences":[{"text":"is","start":31.12,"end":31.36,"sentiment":"neutral","sentiment_score":0.19622759521007535}],"sentiment":"neutral","sentiment_score":0.19622759521007535,"channel":0,"num_words":1,"start":31.12,"end":31.36},{"sentences":[{"text":"with","start":31.25,"end":31.41,"sentiment":"neutral","sentiment_score":0.1959882825613022}],"sentiment":"neutral","sentiment_score":0.1959882825613022,"channel":1,"num_words":1,"start":31.25,"end":31.41},{"sentences":[{"text":"now","start":31.36,"end":31.52,"sentiment":"neutral","sentiment_score":0.17152847349643707}],"sentiment":"neutral","sentiment_score":0.17152847349643707,"channel":0,"num_words":1,"start":31.36,"end":31.52},{"sentences":[{"text":"you now.","start":31.41,"end":31.99,"sentiment":"neutral","sentiment_score":0.19190239906311035}],"sentiment":"neutral","sentiment_score":0.19190239906311035,"channel":1,"num_words":2,"start":31.41,"end":31.99},{"sentences":[{"text":"still a good beautiful.","start":31.52,"end":32.9,"sentiment":"positive","sentiment_score":0.41215725988149643},{"text":"Now is now still a good time since you've had a bit of initial consultation?","start":33.12,"end":36.42,"sentiment":"neutral","sentiment_score":0.1221899742881457},{"text":"Or","start":36.48,"end":36.72,"sentiment":"neutral","sentiment_score":0.06646225601434708}],"sentiment":"neutral","sentiment_score":0.1773970454931259,"channel":0,"num_words":20,"start":31.52,"end":36.72},{"sentences":[{"text":"Yep.","start":38.985,"end":39.305,"sentiment":"neutral","sentiment_score":0.15587565302848816}],"sentiment":"neutral","sentiment_score":0.15587565302848816,"channel":1,"num_words":1,"start":38.985,"end":39.305},{"sentences":[{"text":"beautiful.","start":39.2,"end":39.7,"sentiment":"neutral","sentiment_score":0.3008471727371216}],"sentiment":"neutral","sentiment_score":0.3008471727371216,"channel":0,"num_words":1,"start":39.2,"end":39.7},{"sentences":[{"text":"Yep.","start":39.305,"end":39.625,"sentiment":"neutral","sentiment_score":0.2941325902938843},{"text":"I'm I'm all ready to 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a good question.","start":273.9,"end":274.78,"sentiment":"neutral","sentiment_score":0.29731204360723495},{"text":"I haven't really thought about in terms of figures.","start":274.78,"end":277.185,"sentiment":"neutral","sentiment_score":0.006724572843975491},{"text":"It's interesting.","start":277.185,"end":277.905,"sentiment":"neutral","sentiment_score":0.058629851788282394},{"text":"I try and use my my parents who I live next door to as an example because they get they're on the pension.","start":277.905,"end":284.305,"sentiment":"neutral","sentiment_score":0.060204165623239846},{"text":"They have no super because they use all the 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they get about $5,000 a month,","start":300.39,"end":302.41,"sentiment":"neutral","sentiment_score":0.17628611624240875}],"sentiment":"neutral","sentiment_score":0.09715984419596438,"channel":1,"num_words":49,"start":286.22498,"end":302.41},{"sentences":[{"text":"Yep.","start":303.095,"end":303.595,"sentiment":"neutral","sentiment_score":0.1522320806980133}],"sentiment":"neutral","sentiment_score":0.1522320806980133,"channel":0,"num_words":1,"start":303.095,"end":303.595},{"sentences":[{"text":"and they and they got no other debts.","start":303.91,"end":305.77,"sentiment":"neutral","sentiment_score":0.13085787370800972},{"text":"So I guess four probably $4,000 a month, thousand dollars a week would be comfortable enough provided I'm not paying a mortgage.","start":305.91,"end":314.125,"sentiment":"neutral","sentiment_score":0.10572728785601529},{"text":"I feel like that would be 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me.","start":483.14,"end":489.14,"sentiment":"neutral","sentiment_score":0.0927222329709265},{"text":"Because you're gonna pay me fees and then you're gonna be going backwards.","start":489.14,"end":492.42,"sentiment":"neutral","sentiment_score":-0.07485454604746057},{"text":"So what's the 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sure.","start":494.18,"end":494.92,"sentiment":"positive","sentiment_score":0.401027649641037}],"sentiment":"positive","sentiment_score":0.379378875096639,"channel":1,"num_words":3,"start":493.7,"end":494.92},{"sentences":[{"text":"So that's that's something to continue to give you peace of mind about as well.","start":495.60498,"end":499.625,"sentiment":"positive","sentiment_score":0.6182469884554546},{"text":"Okay.","start":500.405,"end":500.905,"sentiment":"neutral","sentiment_score":0.17621877789497375},{"text":"So what does retirement so let's say you get to age 60 and you you got the 1,000,040, hopefully more.","start":501.04498,"end":506.965,"sentiment":"neutral","sentiment_score":0.13383845537900924},{"text":"Right?","start":506.965,"end":507.465,"sentiment":"neutral","sentiment_score":0.07621316611766815},{"text":"What does your time look 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achieve?","start":508.9,"end":511.38,"sentiment":"neutral","sentiment_score":0.08732462064786391}],"sentiment":"neutral","sentiment_score":0.08732462064786391,"channel":0,"num_words":11,"start":508.9,"end":511.38},{"sentences":[{"text":"Mhmm.","start":511.115,"end":511.51498,"sentiment":"neutral","sentiment_score":0.05798459053039551}],"sentiment":"neutral","sentiment_score":0.05798459053039551,"channel":1,"num_words":1,"start":511.115,"end":511.51498},{"sentences":[{"text":"I","start":511.38,"end":511.54,"sentiment":"neutral","sentiment_score":0.10369168221950532}],"sentiment":"neutral","sentiment_score":0.10369168221950532,"channel":0,"num_words":1,"start":511.38,"end":511.54},{"sentences":[{"text":"Yes.","start":511.51498,"end":512.015,"sentiment":"neutral","sentiment_score":0.14750276505947113}],"sentiment":"neutral","sentiment_score":0.14750276505947113,"channel":1,"num_words":1,"start":511.51498,"end":512.015},{"sentences":[{"text":"know that you've got your you settle on your home.","start":511.54,"end":513.7,"sentiment":"neutral","sentiment_score":0.14087118878960608},{"text":"You wanna try and build equity, and then you set investment properties.","start":513.7,"end":516.84,"sentiment":"neutral","sentiment_score":0.23936003943284354},{"text":"That's one goal.","start":516.98,"end":517.86,"sentiment":"neutral","sentiment_score":0.2968032757441203},{"text":"That's medium short to medium term goals.","start":517.86,"end":520.04004,"sentiment":"neutral","sentiment_score":0.23913292161055974},{"text":"But, yeah, what does your time look like for you?","start":522.255,"end":524.41504,"sentiment":"neutral","sentiment_score":0.05979175791144371}],"sentiment":"neutral","sentiment_score":0.17722119568359285,"channel":0,"num_words":42,"start":511.54,"end":524.41504},{"sentences":[{"text":"Some some clients on super jobs and penthouses and some clients when I sit on the beach","start":524.41504,"end":528.575,"sentiment":"neutral","sentiment_score":0.041075319709146726}],"sentiment":"neutral","sentiment_score":0.041075319709146726,"channel":0,"num_words":17,"start":524.41504,"end":528.575},{"sentences":[{"text":"No.","start":528.45,"end":528.93,"sentiment":"neutral","sentiment_score":-0.04671694338321686}],"sentiment":"neutral","sentiment_score":-0.04671694338321686,"channel":1,"num_words":1,"start":528.45,"end":528.93},{"sentences":[{"text":"and","start":528.575,"end":529.075,"sentiment":"neutral","sentiment_score":-0.06764142215251923}],"sentiment":"neutral","sentiment_score":-0.06764142215251923,"channel":0,"num_words":1,"start":528.575,"end":529.075},{"sentences":[{"text":"No.","start":528.93,"end":529.43,"sentiment":"neutral","sentiment_score":-0.0830024778842926},{"text":"Well, yeah, sitting 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but","start":530.61,"end":532.63,"sentiment":"neutral","sentiment_score":0.18457205817103386}],"sentiment":"neutral","sentiment_score":0.18457205817103386,"channel":1,"num_words":10,"start":530.61,"end":532.63},{"sentences":[{"text":"Perfect.","start":532.97504,"end":533.47504,"sentiment":"positive","sentiment_score":0.3855190873146057},{"text":"K.","start":533.61505,"end":534.11505,"sentiment":"neutral","sentiment_score":0.10868008434772491}],"sentiment":"neutral","sentiment_score":0.2470995858311653,"channel":0,"num_words":2,"start":532.97504,"end":534.11505},{"sentences":[{"text":"I think just owning owning a property outright, for sure, would be a big goal.","start":534.52997,"end":539.52496,"sentiment":"neutral","sentiment_score":0.29562031105160713},{"text":"And just to be comfortable week to week, I don't have any, like, grand aspirations and just be able to support my kids if they need 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leaves","start":1641.115,"end":1641.595,"sentiment":"neutral","sentiment_score":0.020197156816720963}],"sentiment":"neutral","sentiment_score":0.002693512718434687,"channel":0,"num_words":27,"start":1632.395,"end":1641.595},{"sentences":[{"text":"Yep.","start":1641.275,"end":1641.775,"sentiment":"neutral","sentiment_score":0.04472503811120987}],"sentiment":"neutral","sentiment_score":0.04472503811120987,"channel":1,"num_words":1,"start":1641.275,"end":1641.775},{"sentences":[{"text":"you with a 145,000.","start":1641.595,"end":1643.455,"sentiment":"neutral","sentiment_score":0.044863988645374775},{"text":"Your partner wants to go to Tanzania, purchase $75,000 to use about 70 depending, but use about $75,000 of that $1.45 remainder 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leaves you 70 that leaves you 70,000, And you minus up to 25,000, it leaves you with 45 about $45,000.","start":1703.85,"end":1721.635,"sentiment":"neutral","sentiment_score":0.12600123851249614},{"text":"So, yeah,","start":1722.895,"end":1724.255,"sentiment":"neutral","sentiment_score":0.16357089579105377}],"sentiment":"neutral","sentiment_score":0.12750402480363845,"channel":0,"num_words":50,"start":1703.85,"end":1724.255},{"sentences":[{"text":"Yes.","start":1724.095,"end":1724.175,"sentiment":"positive","sentiment_score":0.3380779027938843},{"text":"Yeah.","start":1724.175,"end":1724.675,"sentiment":"positive","sentiment_score":0.37658336758613586}],"sentiment":"positive","sentiment_score":0.35733063519001007,"channel":1,"num_words":2,"start":1724.095,"end":1724.675},{"sentences":[{"text":"that that should be more than enough for cash just to keep it going.","start":1724.255,"end":1727.295,"sentiment":"positive","sentiment_score":0.5553780559982572},{"text":"You're still gonna be working on any income as well.","start":1727.295,"end":1729.83,"sentiment":"positive","sentiment_score":0.5190251111984253},{"text":"So that's all.","start":1730.1499,"end":1731.0499,"sentiment":"positive","sentiment_score":0.35180697838465375},{"text":"I think that's a pretty good rough estimate for us to work 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kind of you're not really, but you're kind of at seedling again.","start":1740.7899,"end":1746.3251,"sentiment":"neutral","sentiment_score":-0.004605329781770706},{"text":"Right?","start":1746.385,"end":1746.545,"sentiment":"neutral","sentiment_score":0.032915085554122925},{"text":"Because you","start":1746.545,"end":1746.865,"sentiment":"neutral","sentiment_score":-0.003433370962738991}],"sentiment":"neutral","sentiment_score":0.07011827910619398,"channel":0,"num_words":31,"start":1737.6699,"end":1746.865},{"sentences":[{"text":"Yeah.","start":1746.81,"end":1747.31,"sentiment":"neutral","sentiment_score":0.01795840449631214}],"sentiment":"neutral","sentiment_score":0.01795840449631214,"channel":1,"num_words":1,"start":1746.81,"end":1747.31},{"sentences":[{"text":"sold your property.","start":1746.865,"end":1747.665,"sentiment":"neutral","sentiment_score":-0.008267919222513834},{"text":"Now you got 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do?","start":1749.105,"end":1750.3251,"sentiment":"neutral","sentiment_score":-0.012968073785305022},{"text":"Right?","start":1750.7051,"end":1751.2051,"sentiment":"neutral","sentiment_score":0.049578629434108734}],"sentiment":"neutral","sentiment_score":0.004042061045765877,"channel":0,"num_words":8,"start":1748.385,"end":1751.2051},{"sentences":[{"text":"Yeah.","start":1750.89,"end":1751.39,"sentiment":"neutral","sentiment_score":0.059304818511009216}],"sentiment":"neutral","sentiment_score":0.059304818511009216,"channel":1,"num_words":1,"start":1750.89,"end":1751.39},{"sentences":[{"text":"So the first step is essentially and we we're nerds, to be honest.","start":1751.5851,"end":1756.5651,"sentiment":"neutral","sentiment_score":0.009607298823539168},{"text":"Then so just just bear with me.","start":1757.105,"end":1759.105,"sentiment":"neutral","sentiment_score":-0.024203577478017126},{"text":"But, like, you 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up these, like, something that works in the background, kinda like under the ground, like roots of a tree, and that is essentially your superannuation and your insurances first and foremost because you're super you're","start":1794.48,"end":1806.8451,"sentiment":"neutral","sentiment_score":0.2783975059666285}],"sentiment":"neutral","sentiment_score":0.2783975059666285,"channel":0,"num_words":41,"start":1794.48,"end":1806.8451},{"sentences":[{"text":"Mhmm.","start":1806.795,"end":1807.295,"sentiment":"neutral","sentiment_score":0.13591349124908447}],"sentiment":"neutral","sentiment_score":0.13591349124908447,"channel":1,"num_words":1,"start":1806.795,"end":1807.295},{"sentences":[{"text":"contributing to just automatically and it's great for the time.","start":1806.8451,"end":1811.165,"sentiment":"positive","sentiment_score":0.6137996464967728},{"text":"It's in the tax effective 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The speakers emphasize the importance of maintaining financial freedom and finding investment properties. They also discuss their use of loan mortgage insurance and their focus on finding a good mentality to avoid losing the purpose of a property. The speakers emphasize the importance of setting up a successful foundation for growth and insuring the property for success."},"intents":{"segments":[{"text":"So it's quite cheap. And it's just just I've just had a quick, you know, review of the notes, just your conversation with my colleague, Maddie. Yep. And I think you're just looking at kind of getting some advice on superannuation insurance, things like that. But, yeah, Yes.","start_word":182,"end_word":229,"intents":[{"intent":"Promote insurance","confidence_score":0.000022172813}]},{"text":"then, yeah, I'm more I'm more curious otherwise about, you know, other forms of financial advice you guys offer and what the what how that works, how you how I pay for that and yeah.","start_word":326,"end_word":360,"intents":[{"intent":"Understand financial planning","confidence_score":0.0028013971}]},{"text":"of set up my family. Absolutely.","start_word":405,"end_word":410,"intents":[{"intent":"Set up family","confidence_score":0.018500695}]},{"text":"Do you wanna retire Mhmm. early?","start_word":533,"end_word":538,"intents":[{"intent":"Retire early","confidence_score":0.017601756},{"intent":"Discuss retirement strategies","confidence_score":0.008127153}]},{"text":"I like to pitch this to clients is, well, do you like, what what what would be a comfortable retirement?","start_word":737,"end_word":756,"intents":[{"intent":"Assess retirement options","confidence_score":0.026506618}]},{"text":"That's to give you an idea, it's about a thousand dollars a week is somewhere in the realms of a couple. We're going and enjoying life. Don't worry too much about money because you still have a basis there. I'll Yeah.","start_word":1045,"end_word":1085,"intents":[{"intent":"Educate about financial freedom","confidence_score":0.051700417}]},{"text":"That means it'll grow by $52,000. You draw that out, you will have a thousand dollars per week, and you'll still be left the end of the financial year with $1,040,000. So is that Yeah.","start_word":1352,"end_word":1386,"intents":[{"intent":"Educate about financial goals","confidence_score":0.014542541}]},{"text":"So it's it's just to have our own home that's paid for, maybe still have an investment on the side that is also generating a little bit of income.","start_word":1735,"end_word":1763,"intents":[{"intent":"Discuss home ownership","confidence_score":0.00012281984}]},{"text":"Now let's so you you you said something in there that was a little bit more about kind of indicate a little bit more behind your your pain of your home. You said you wanted to try and have no debt, no fee invest outside. So let's talk about that new settled property because we can do debt reduction strategies and show you the benefits of adding a bit more towards your mortgage.","start_word":1814,"end_word":1886,"intents":[{"intent":"Discuss debt reduction and home ownership","confidence_score":0.000016459333}]},{"text":"I'm probably gonna use a buyer's agent to move ahead from here, Mhmm.","start_word":1995,"end_word":2007,"intents":[{"intent":"Use buyer's agent","confidence_score":0.27160883}]},{"text":"where we're looking to try and accumulate four or five properties in the next ten years, It's terrible. investment properties. Yeah.","start_word":2008,"end_word":2028,"intents":[{"intent":"Attempt to accumulate properties","confidence_score":0.0004395644}]},{"text":"So when you're talking about a property strategy, I've done a few of them. You you broke out. It's from from, you know, what feels like a lifetime of doing financial advice, it's I've seen that strategy work really, really well from a tax perspective in buying a property and living in it for your primary place or residence and paying that off as much as possible so that you can start leveraging.","start_word":2150,"end_word":2222,"intents":[{"intent":"Analyze property strategies","confidence_score":0.0021522816}]},{"text":"Those financial planners because if you live in a property for more than twelve months, let's say, you disperse the next house you buy, living in as Yep. your primary property residence for twelve months, then if you can leverage and borrow and buy something else and go live in that.","start_word":2384,"end_word":2434,"intents":[{"intent":"Promote investing strategies","confidence_score":0.05636142}]},{"text":"Anything else you kind of wanted to discuss? Because I'm I'm happy. I've got a pretty good idea of what you're looking for, what you wanna achieve, what you guys and objectives. Yeah.","start_word":2804,"end_word":2836,"intents":[{"intent":"Discuss goals","confidence_score":0.116238035}]},{"text":"So I like, if you unless there's anything else you wanted to kinda pick my brain about, but I can show you a little bit more about us on the financial services guide, and we can go from Yeah. there.","start_word":2837,"end_word":2876,"intents":[{"intent":"Provide information","confidence_score":0.3525548}]},{"text":"It is ben j mccaskill, m c c Mhmm. a s k Yep. I, l l, Yep. @gmail.com. @gmail.com. Need a healthy base.","start_word":2959,"end_word":2981,"intents":[{"intent":"Provide contact information","confidence_score":0.028459009}]},{"text":"It's usually more beneficial to actually rent where you wanna live and then rent the other all three properties out as investments Yeah.","start_word":3344,"end_word":3366,"intents":[{"intent":"Describe property benefits","confidence_score":0.00064144854}]},{"text":"On that second page, there's a bit of a breakdown there and what what our core mission is and how we're gonna achieve that as well as our core values.","start_word":4028,"end_word":4057,"intents":[{"intent":"Discuss core values and strategy","confidence_score":0.0026072396},{"intent":"Explain process and process","confidence_score":0.002841159}]},{"text":"I mean, CBA, the largest bank, is actually the most expensive share wise. Most expensive bank on the planet is Commonwealth Bank of Australia. Yeah.","start_word":4108,"end_word":4132,"intents":[{"intent":"Confirm bank's approach","confidence_score":0.00071731454}]},{"text":"Well, yeah, after I pay my parents back $20, which I owe them, Yep. we'll we'll have about just over 360,000 Three hundred sixty in the thousand. bank.","start_word":4254,"end_word":4281,"intents":[{"intent":"Explain payout process","confidence_score":0.00019364378}]},{"text":"What kind of deposit were you thinking of using for that to purchase a new Thinking of using helping me get a property in, like, the $70,750,000 range and using, yeah, at least a 20% deposit for that.","start_word":4293,"end_word":4330,"intents":[{"intent":"Request deposit","confidence_score":0.0002234454}]}]},"sentiments":{"segments":[{"text":"Hello. Ben speaking. Hey there, Ben. It's Debbie Sotto calling. RT Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.06567716598510742},{"text":"I'm good.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.4349367618560791},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.3127172887325287},{"text":"I'm very well. Very well. Thank you. It's work from home. We've got the team working from home on Thursday from Friday, so I'm currently in nice comfy clothes and just plugging away from my home office, to be honest.","start_word":20,"end_word":59,"sentiment":"positive","sentiment_score":0.41346824169158936},{"text":"That sounds And how good. are you? Yeah. How are you doing? Not too bad. Just running around. Few things in the morning took longer than I thought, but I'm alright. Yeah. Yeah.","start_word":60,"end_word":92,"sentiment":"neutral","sentiment_score":0.11962225288152696},{"text":"Perfect.","start_word":93,"end_word":93,"sentiment":"positive","sentiment_score":0.34513717889785767},{"text":"Well, Here is with now you now.","start_word":94,"end_word":100,"sentiment":"neutral","sentiment_score":0.19263654947280884},{"text":"still a good beautiful.","start_word":101,"end_word":104,"sentiment":"positive","sentiment_score":0.42468374967575073},{"text":"Now is now still a good time since you've had a bit of initial consultation? Or Yep. beautiful. Yep.","start_word":105,"end_word":123,"sentiment":"neutral","sentiment_score":0.15341489017009735},{"text":"I'm I'm all ready to go. Beautiful. Well, firstly first and foremost, thank you for reaching out then.","start_word":124,"end_word":141,"sentiment":"positive","sentiment_score":0.4675370454788208},{"text":"I believe you were referred from your friend Elliot. So I'm glad that Yeah. we That's right.","start_word":142,"end_word":158,"sentiment":"neutral","sentiment_score":0.3178827166557312},{"text":"you know, we did enough of a good job with him to be able to provide good word-of-mouth, which is nice.","start_word":159,"end_word":179,"sentiment":"positive","sentiment_score":0.5228483080863953},{"text":"Yeah. Yeah. So it's quite cheap. And it's just just I've just had a quick, you know, review of the notes, just your conversation with my colleague, Maddie. Yep. And I think you're just looking at kind of getting some advice on superannuation insurance, things like that. But, yeah, Yes. give me a look let me give me a little bit of a load up. Kinda what you're Mhmm. looking for, what you're hoping for, what kind of service you're after, or where's your head at? Yeah. Well, I've never really engaged with any kind of financial adviser before, but I've, I've yeah. Elliot told me mostly about how well his super has performed since going with you guys. So I thought about doing that, sort of trying to be a bit more prudent looking ahead into the future, making wiser financial decisions. And Yep. then, yeah, I'm more I'm more curious otherwise about, you know, other forms of financial advice you guys offer and what the what how that works, how you how I pay for that and yeah. Because I'm looking at making some in investing in some property in the next little while as well because we just settled on a place.","start_word":180,"end_word":384,"sentiment":"neutral","sentiment_score":0.12383109349303129},{"text":"Congratulations. Yeah. Thank you. And, yeah, I'm just trying to make wise investments in the future just to sort Okay.","start_word":385,"end_word":404,"sentiment":"positive","sentiment_score":0.5045353770256042},{"text":"of set up my family.","start_word":405,"end_word":409,"sentiment":"neutral","sentiment_score":0.2533046007156372},{"text":"Absolutely. That's the overall goal.","start_word":410,"end_word":414,"sentiment":"positive","sentiment_score":0.5317214131355286},{"text":"Right? And It is. what about while doing so, probably you probably agree with me, we also wanna try and pay as minimal tax as possible along the way because more Yes. often enough clients agree that we know how to spend our money. We know how to spend our money better than the government does. So we Yes. try and For sure. we try and work out the most tax effective ways to do that too. Yep.","start_word":415,"end_word":492,"sentiment":"neutral","sentiment_score":0.22275133430957791},{"text":"Perfect.","start_word":493,"end_word":493,"sentiment":"positive","sentiment_score":0.45807328820228577},{"text":"Well, behind every let's let's break that down a little bit more. So when you say you wanna be set up financially for yourself and your family in the future, right, What does that Yes. look like for you? Do you wanna retire Mhmm. early? How old are you at the moment? I'm 37. 37. Beautiful. What's your date of birth? 06/30/1989. June. That is a great date of birth because it is the end of financial check. Yeah. Okay. So so when Yes. Yes. we It speak is. to it so when we start working at tax effective strategies, we'll be in touch, and I can say happy birthday the day That's right. Yeah. Yeah. Yeah. It's before. an easy one to remember. Yeah. Perfect. Okay. So because you're 37 years old, when you say you want to retire and, like, financially be be in a financial position to look after your so for your family, what does that look like? Have you ever thought about, like, what that looks like? You know, most clients say, well, if we're looking at superannuation, you can only access super by age 60 without preservation Yes. age. Yep. So if we're using that kind of time horizon, right, to looking at what's that twenty twenty three years until 60, Yeah. Mhmm. In twenty three years, what did you what did you want your super to be looking like? Do you wanna and the way Mhmm. I like to pitch this to clients is, well, do you like, what what what would be a comfortable retirement? Let's say you've got no mortgage. You've got Yeah. so you got no mortgage, no debt. But if that was the case, then what what do you wanna live on per week? A thousand dollars, 1,500, 500? What what do you think is suitable income would be? Because your kids will be moved out, so I'm gonna be hearing the message. Right? Yeah. Yeah. Yeah. Correct. Yeah. It's a good question. I haven't really thought about in terms of figures. It's interesting. I try and use my my parents who I live next door to as an example because they get they're on the pension. They have no super because they use all the super Yep. to pay off their mortgage. So they're on the full pension. So I get I think they get about $3,000 a month from that, and then I I pay them $2,000 to live next door to them because they're in a situation. So they get about $5,000 a month, Yep. and they and they got no other debts. So I guess four probably $4,000 a month, thousand dollars a week would be comfortable enough provided I'm not paying a mortgage. I feel like that would be comfortable. But who knows? In twenty three years, a thousand dollars might not be Well, let's just say worth. in today yeah. Well, you're absolutely Yeah. right. Inflation will lead to that. But when we do our calculation, just so you're aware, like, do it in today's dollars because we include three percent inflation, actually, three and a Okay. half percent inflation at Yeah. the moment. Okay. So in today's dollars, do you think a thousand dollars would be enough per week? Yeah. I reckon. Yep. That's to give you an idea, it's about a thousand dollars a week is somewhere in the realms of a couple.","start_word":494,"end_word":1065,"sentiment":"neutral","sentiment_score":0.07386604910130266},{"text":"We're going and enjoying life.","start_word":1066,"end_word":1070,"sentiment":"positive","sentiment_score":0.5778659582138062},{"text":"Don't worry too much about money because you still have a basis there. I'll Yeah. explain that in a second. But Mhmm. about two to three overseas holidays a year. If that would get that. Yeah. Okay. No worries. Okay?","start_word":1071,"end_word":1110,"sentiment":"neutral","sentiment_score":0.0670066773891449},{"text":"Yeah. Very comfortable, Beautiful. I suppose.","start_word":1111,"end_word":1116,"sentiment":"positive","sentiment_score":0.625005841255188},{"text":"Alright. So let's let's let's let's put that down as some sort of goals to work towards together. Yeah. Yeah. Yeah. So and the reason why I say that, you know, base base base value. So I guess that the concept of financial freedom, right, is a good point. So so financial Yeah. freedom is have is essentially having enough of an asset pool of appreciating assets that can grow by a certain percentage every year, and then you Mhmm. can draw that out and not affect the baseline level, your your asset pool whatsoever. And then you're living on free money. It's interest. So that's essentially that's essentially financial freedom. Yeah. So if Yeah. you're looking For at a sure. thousand you know what I mean? So if you're looking at a thousand dollars a week, that's essentially $52,000 a year. There's 52 Mhmm. weeks in a year. And let's just say you wanna get a another five, you you know, nest of all fees, cash rate, it's currently 4.35%. If you only sits in, you know, very low risk major triple a rated bonds from, like, the top four banks. Right? Yep. The and inflation all that, it's their 5% return. Right? Mhmm. So if we can get a 5% return on a certain balance to achieve $52,000, that's essentially $1,040,000. Yep. Right? Because if you got $1,040,000, it grows by 5%.","start_word":1117,"end_word":1350,"sentiment":"neutral","sentiment_score":0.12234165519475936},{"text":"That means it'll grow by $52,000. You draw that out, you will have a thousand dollars per week, and you'll still be left the end of the financial year with $1,040,000. So is that Yeah. is that a good number that we can start working towards in terms of the goal? Or Yeah. That sounds like a good number. A good, fairly reasonable, hopefully, achievable number. well, we'll do math and make sure that, you know, all things all things aside, if we can get you into a better position, we would definitely be recommending.","start_word":1351,"end_word":1445,"sentiment":"positive","sentiment_score":0.5489192008972168},{"text":"But just so you're Yes. aware, if we we do the numbers and for some reason we can't get you into a better position, then I'm gonna be the first one to call you and say, hey. Stay doing what you're doing because the only person that's gonna win out of the situation is me. Because you're gonna pay me fees and then you're gonna be going backwards. So what's the point? Yeah. Right?","start_word":1446,"end_word":1519,"sentiment":"neutral","sentiment_score":0.0252935029566288},{"text":"Yeah. For sure. So that's that's something to continue to give you peace of mind about as well.","start_word":1520,"end_word":1537,"sentiment":"positive","sentiment_score":0.568998396396637},{"text":"Okay. So what does retirement so let's say you get to age 60 and you you got the 1,000,040, hopefully more. Right? What does your time look like? What do you wanna kinda what do you wanna kinda achieve? Mhmm. I Yes. know that you've got your you settle on your home. You wanna try and build equity, and then you set investment properties. That's one goal. That's medium short to medium term goals. But, yeah, what does your time look like for you? Some some clients on super jobs and penthouses and some clients when I sit on the beach No. and No. Well, yeah, sitting on what? the beach would be a good part of it, but Perfect. K. I think just owning owning a property outright, for sure, would be a big goal.","start_word":1538,"end_word":1673,"sentiment":"neutral","sentiment_score":0.14929522573947906},{"text":"And just to be comfortable week to week, I don't have any, like, grand aspirations and just be able to support my kids if they need it.","start_word":1674,"end_word":1700,"sentiment":"negative","sentiment_score":-0.33525291085243225},{"text":"I have one child who has special needs, So who knows what's gonna happen in the future with him?","start_word":1701,"end_word":1719,"sentiment":"neutral","sentiment_score":-0.16508133709430697},{"text":"It's a little bit uncertain. He may be living with us forever.","start_word":1720,"end_word":1731,"sentiment":"negative","sentiment_score":-0.4061658084392547},{"text":"Not sure. Yeah. So it's it's just to have our own home that's paid for, maybe still have an investment on the side that is also generating a little bit of income. And, yeah, like you said, not not have to worry about money so much. Just be Okay.","start_word":1732,"end_word":1780,"sentiment":"neutral","sentiment_score":0.11700033396482468},{"text":"able to enjoy retirement.","start_word":1781,"end_word":1784,"sentiment":"positive","sentiment_score":0.4562169909477234},{"text":"Yeah. Well, you've done the hard yards. That's the whole point of it. Right? And the sooner the better. Yeah. Yeah. That's right. Yeah. I got it.","start_word":1785,"end_word":1811,"sentiment":"neutral","sentiment_score":0.17357467114925385},{"text":"Okay. Beautiful.","start_word":1812,"end_word":1813,"sentiment":"positive","sentiment_score":0.4348379969596863},{"text":"Now let's so you you you said something in there that was a little bit more about kind of indicate a little bit more behind your your pain of your home. You said you wanted to try and have no debt, no fee invest outside. So let's talk about that new settled property because we can do debt reduction strategies and show you the benefits of adding a bit more towards your mortgage. So when you say that you wanted to pay your home or five be debt free by the age of 60, do you want 60 to be a good time, like, a time frame for you to pay off your mortgage? So you're more than likely, I'm assuming, you settled on a thirty year term. So when I say we settled, we sold recently. So we had a property which we sold. Oh, k. Yeah. So the opposite. So we no longer have a property. K. We And were are you looking or yeah. So we're now so k. I've got a very rough strategy, which I've developed. I'm probably gonna use a buyer's agent to move ahead from here, Mhmm. where we're looking to try and accumulate four or five properties in the next ten years, It's terrible.","start_word":1814,"end_word":2025,"sentiment":"neutral","sentiment_score":-0.03079560399055481},{"text":"investment properties.","start_word":2026,"end_word":2027,"sentiment":"negative","sentiment_score":-0.3779529929161072},{"text":"Yeah. And and then after ten years ish, probably sell three or four of them and use that equity to have a large deposit on our forever Understood. and go from there. That's kind of a that's that's a rough idea. Okay.","start_word":2028,"end_word":2069,"sentiment":"neutral","sentiment_score":-0.05300332694536164},{"text":"So great idea.","start_word":2070,"end_word":2072,"sentiment":"positive","sentiment_score":0.5178831219673157},{"text":"So Yeah. in Australia, we pay some of the highest marginal tax rates in the world. We're kind of, like, 26 or something on the planet. But in saying that, we are number one for being an investor's haven. And what I mean by Yep. that is because we can deduct a 100% of the interest that is paid on on any sort of loan that's for investment purposes, which is crazy. Okay. Right? Yeah. Yeah. Yep. So when you're talking about a property strategy, I've done a few of them. You you broke out. It's from from, you know, what feels like a lifetime of doing financial advice, it's I've seen that strategy work really, really well from a tax perspective in buying a property and living in it for your primary place or residence and paying that off as much as possible so that you can start leveraging. So you don't wanna Yep. go there and send LVR because then you initiate loan mortgage insurance. But if Yeah. we get Yeah. a million dollar property, right, and you pay to the $800,000 loan, so a 20% deposit, then Mhmm. you pay that off down to just under 600,000. You can use another two and say the property increases in value of that time by 100,000. Okay? Yep. Then you're looking at about 300 k worth of LVR loan to valuation there. Yep. So you can leverage against that. So instead of selling, you just borrow against it and move into the next one. And Yeah. I've seen it I've actually seen it in twelve years of client build a property portfolio of nine properties in twelve years. Wow. Yeah. Yeah. Okay. So Wow.","start_word":2073,"end_word":2357,"sentiment":"neutral","sentiment_score":0.10745130479335784},{"text":"Pretty good.","start_word":2358,"end_word":2359,"sentiment":"positive","sentiment_score":0.3817214369773865},{"text":"but the best thing is there's a thing called the six year rule. Some accounts just like Yeah. it, they don't.","start_word":2360,"end_word":2380,"sentiment":"neutral","sentiment_score":0.04389837011694908},{"text":"We love it.","start_word":2381,"end_word":2383,"sentiment":"positive","sentiment_score":0.7619696855545044},{"text":"Those financial planners because if you live in a property for more than twelve months, let's say, you disperse the next house you buy, living in as Yep. your primary property residence for twelve months, then if you can leverage and borrow and buy something else and go live in that. Because if you move back into that first property within six years or another six months, then Yeah. you when It rates you at sell it, yeah. it's Gary says no capital gains tax on those five years. Yeah. Yeah. Yeah. So that's It's important.","start_word":2384,"end_word":2479,"sentiment":"neutral","sentiment_score":0.15242356061935425},{"text":"a good thing.","start_word":2480,"end_word":2482,"sentiment":"positive","sentiment_score":0.5093837380409241},{"text":"That's important Yeah. For sure. to us. So that's this is how you kinda get them. And then the first the fact of the matter is if you buy that and it's gone up by usually, property professional property investors, they sell at 1.8 times valuation of purchase price. So you buy something for 1,000,000, gets to grow some value, depreciates in value to 1.8 times, so 1.8 Mhmm. million, they'll sell Yep. it. Yeah. That's the Yep. rule of thumb. No. There's no real no real correct or incorrect way to do it, but that's that's a good number to work towards. Yeah.","start_word":2483,"end_word":2586,"sentiment":"neutral","sentiment_score":0.09554436802864076},{"text":"So, yeah, we can absolutely help out with that.","start_word":2587,"end_word":2595,"sentiment":"positive","sentiment_score":0.35500383377075195},{"text":"But, yeah, by finding the buyer's agents, I find a lot of value in. I've used a few of them myself Yep. in regards to finding investment properties. But I suppose in your situation, for your purpose, because every investment needs a purpose. That's what a lot of people lose out. They lose they lose the purpose of, oh, I want a lot of money, and they start living on that money. Think of it as like a dog with a bone. Right? You got a loyal Yep. dog, you give it a bone, go to the market, bring me a bigger bone. And they will carry Yep. on doing that until you start keeping that bone for yourself because you stop caring and stop stop showing loyalty to the dog or your money. And sooner or Yes.","start_word":2596,"end_word":2733,"sentiment":"neutral","sentiment_score":0.07004634290933609},{"text":"later, that that dog's gonna lose loyalty for you. It's gonna take that money somewhere else, so that bone somewhere else.","start_word":2734,"end_word":2754,"sentiment":"negative","sentiment_score":-0.4720989465713501},{"text":"Alright? Yeah. Yeah.","start_word":2755,"end_word":2757,"sentiment":"neutral","sentiment_score":0.0020832314621657133},{"text":"So it's a good mentality.","start_word":2758,"end_word":2762,"sentiment":"positive","sentiment_score":0.359048455953598},{"text":"I went through about a long time ago. But yeah. No. That that that makes sense. So five Yeah. Yeah. properties, hopefully, in the space of ten, twelve years. Is that what you're heading for? Yeah. That's right. Yep.","start_word":2763,"end_word":2801,"sentiment":"neutral","sentiment_score":0.07152390480041504},{"text":"Beautiful. Okay.","start_word":2802,"end_word":2803,"sentiment":"positive","sentiment_score":0.46502456068992615},{"text":"Anything else you kind of wanted to discuss?","start_word":2804,"end_word":2811,"sentiment":"neutral","sentiment_score":0.2286371886730194},{"text":"Because I'm I'm happy. I've got a pretty good idea of what you're looking for, what you wanna achieve, what you guys and objectives.","start_word":2812,"end_word":2835,"sentiment":"positive","sentiment_score":0.5699715614318848},{"text":"Yeah. So I like, if you unless there's anything else you wanted to kinda pick my brain about, but I can show you a little bit more about us on the financial services guide, and we can go from Yeah. there. Yeah. Yeah. A little bit more about you guys, I suppose. Yeah. Yeah. For sure. And yep. Amazing. So when Madison sent you an email, did she attach actually, you know what? I'll just send you I'll send you a new email Mhmm. with our financial services guide. I'm not too sure. I can see from your file. I don't think you received the the attachments. So I don't and think you're so. No. Yeah. what's okay. What's your best email address? It is ben j mccaskill, m c c Mhmm. a s k Yep. I, l l, Yep. @gmail.com. @gmail.com. Need a healthy base. Beautiful. There we go. Give me one second. I'm just gonna reply something very basic like, you know, as discussed or something like that. Yeah. Yeah. Yeah. Yeah. Yeah. Please.","start_word":2836,"end_word":3011,"sentiment":"neutral","sentiment_score":0.03587586060166359},{"text":"Beautiful. I'm gonna say it is lovely you virtually meet with you.","start_word":3012,"end_word":3023,"sentiment":"positive","sentiment_score":0.5582150816917419},{"text":"Technically, Okay. we're in Port New South Wales. Right? I am. Okay. Is that it says Balgola. Is that North Balgola or North Bangalore? North North By Gala. Yeah. Okay.","start_word":3024,"end_word":3053,"sentiment":"neutral","sentiment_score":0.0369812598451972},{"text":"Beautiful.","start_word":3054,"end_word":3054,"sentiment":"positive","sentiment_score":0.4441625475883484},{"text":"But I don't know where that is. I thought South Bangalore. My parents are in Bangalore, actually. So that's why I thought I might just ask the question. Oh, okay. Yeah. No. Yeah. It's it's just on Nolan Beaches of Sydney. Yeah. Pretty Okay. close to pretty close to Manly, I guess. Ten minutes away from Manly. Yep. Oh, okay.","start_word":3055,"end_word":3114,"sentiment":"neutral","sentiment_score":0.0230658445507288},{"text":"Perfect.","start_word":3115,"end_word":3115,"sentiment":"positive","sentiment_score":0.5477060079574585},{"text":"That's my my fiance is actually from down that way. She's Northern Beaches girl. Yeah. So it's hard to find the nice Northern Beaches girl these days, but to tell you what, she's an Okay. absolute queen. Yeah. Yeah. Yeah. No. That is very true. Very true. Yeah. Yeah. Yeah. The I don't want Inti to talk. Insula Peninsula. That's that's what it is.","start_word":3116,"end_word":3179,"sentiment":"neutral","sentiment_score":0.08971333503723145},{"text":"It's a nice place to live.","start_word":3180,"end_word":3185,"sentiment":"positive","sentiment_score":0.4683412611484528},{"text":"Yeah. It's a bit expensive in the property market. No. That's what Very. it is. Very. Very, very, very. We would like to yeah. Ideally, we'd like to buy a a forever place around here, but I don't think we'll ever Yep. be able to afford a current title property here. It may just have to be a spacious three bedroom apartment or something, but, you know, that's okay. Yep. No. That's right. Well, like, we build a property portfolio that the thing is when you when you get to about, you know, three properties and you're living in the second or third one or the first one by that Yes. point, what usually happens is is that it's actually beneficial to from a tax perspective, from your kind of wage, nor anybody above the high in the anybody in the highest tax bracket. Anywhere between the 37, 39 percenters. So above a 120, a 130,000. Yep. It's usually more beneficial to actually rent where you wanna live and then rent the other all three properties out as investments Yeah. Yep. Yep. because I then have you heard can this. use Yeah. So that usually, people say different property amounts. So I say three because it it just seems to be the right kind of medium to kinda get to that even breakeven point where you're property because your rent has been deductible. Mhmm. So, Yep. you know, you're using you've got these properties to manage. You need to use a past portion of your rental property that you're living in to pay for you know, to to manage those properties and do all the admin work and pay the rates and heat and all that stuff. So, Yeah. you know, Exactly. just I would assume that your office is in the largest area of your house in the living room, which makes up with the the, you know, the Yes. the kitchen, your bathroom, all that. It's about 60% of your property. If you got a thousand dollars a week for that property that you're living in nice apartment in, then, you know, it sounds like $600 or about a thousand is deductible to me. Yeah. Yeah. Yep. For sure.","start_word":3186,"end_word":3556,"sentiment":"neutral","sentiment_score":0.05763985284897838},{"text":"Perfect.","start_word":3557,"end_word":3557,"sentiment":"positive","sentiment_score":0.39118361473083496},{"text":"Now I've sent you out that email. It's gonna be out there in the ether web somewhere. Yep. I've I've received it. Yeah.","start_word":3558,"end_word":3580,"sentiment":"neutral","sentiment_score":0.10106822848320007},{"text":"I But can beautiful.","start_word":3581,"end_word":3584,"sentiment":"positive","sentiment_score":0.3781375288963318},{"text":"see. Okay. So the first attachment is your it's our Oakview services guide. So Mhmm. this tool will give you a little bit more about who we are, why we started, what the goal is, and then the next document, the financial services guide, which is more of the compliance side fees, forward license to do, things like that. Okay? So we are OP Financial. Are you looking at that front page with picture of Gold Coast? Mhmm. Yep. Beautiful. So myself and my business partner, we we got into a lot of deaths from an angel investor to start this vision of Oakview Financial in a garage in Pimpama, inland suburb far away. And, Yep. yeah, we we ended up just kinda going well, like, let's do this because we were you know, we've been I've been in the industry and financial industry since I left uni, all around the world, worked as a broker, spoke broke around the world as well. And, you know, I've seen a lot of shady characters out there. A lot Yeah. of them. Yeah. Yep. And I because bet. it's because it's easy. You know? It's easy in the finance to kind of manipulate these and the hide things through strange acronyms like ICRs. I mean, your super fund right now charging you an ICR, an indirect cost ratio, and MERs, and some some some bank or some investment bank or something. Our asset manager back in the sixties to eighties came up, said, well, now clients are switching on to know that, you know, fees aren't being charged. So let's just name them something different with some convoluted acronym. That's pretty much Yeah. what they are. But at the end of the day, when you see a three letter acronym, it's just fee. Okay? Yeah. Yeah. That's So right. It shows. we thought during the time that we were kind of thinking about retail business plan and everything, we we during that time, we looked at we looked at starting the company, and Mhmm. it was right at the time of the Hain Royal Commission. It's banking provider. Mhmm. And we saw that a lot of individuals were doing things like charging exorbitant amounts on asset portfolios and deceased estates. And, you know, you can look at the broad commission yourself, but there's a lot of unethical behavior there. But there Yeah. are a Yep. few of us that are trying to do the right thing. Yep.","start_word":3585,"end_word":3999,"sentiment":"neutral","sentiment_score":-0.0011515380377062111},{"text":"We like to do we are those people. So we started Yep. the company with the vision of being the most trusted financial planning firm in Australia.","start_word":4000,"end_word":4026,"sentiment":"positive","sentiment_score":0.5473902821540833},{"text":"On that second page, there's a bit of a breakdown there and what what our core mission is and how we're gonna achieve that as well as our core values. We'll Yep. make this far from the team chance, those core values in detail. So they probably got PTSD about it from that kind of Yep. but HR for that gives you a bit of a breakdown on on the overall kind of algorithm strategy that I've seen work over time. I mean, CBA, the largest bank, is actually the most expensive share wise. Most expensive bank on the planet is Commonwealth Bank of Australia. Yeah. Right. Yeah. And if you have a look at their process, they do this same approach, exact same approach with their old financial plans that was a ladder. Seeing boutique firms in The UK, I work for them, Scania, as well as Old Mutual. They they do it in a base four pitch approach, like a base one, base two, base three, and then you get Yep. a home run. But Okay. at the end of it, it's all the same kind of thing. Right? It's all the Yep. same thing and it works. Mhmm. So at the moment, you know, you've got you've got some backing behind you. You've sold your property. How much was the proceeds from that property? Well, yeah, after I pay my parents back $20, which I owe them, Yep. we'll we'll have about just over 360,000 Three hundred sixty in the thousand. bank. Yep. Okay. Well, I think I will come and copy. Yeah. What kind of deposit were you thinking of using for that to purchase a new Thinking of using helping me get a property in, like, the $70,750,000 range and using, yeah, at least a 20% deposit for that. We left them about like, my wife is Tanzanian, and she wants to explore some property stuff over there. So I have to give her some money to explore that, and hopefully, it goes well. And, yeah, I'm sort of thinking about investing in some shares with some of the other bits of money and keeping some money for a rainy day, but, yeah, that's sort of what we're thinking property wise Alright. at the moment. So if you say 700, let's let's bump it up a bit. So especially Yeah. for your where you're at at the moment. So I would say let's give about 900,000 purchase price. Would that be Mhmm. too much? Or I think that would be the the upper limit. Yeah. okay. That So would be 900 right up thousand there. up the limit, 20% deposit, a 180,000 off that $3.50. Yep. K. 180 k for deposit. Yeah. When you say rainy day amount, how much would you like? 50? 25? 10? 25 ish, I think. Yep. Let's go. On. Yeah. Let's let's let's go 25. So 25 k for rainy day account.","start_word":4027,"end_word":4518,"sentiment":"neutral","sentiment_score":0.09425281233540396},{"text":"Beautiful.","start_word":4519,"end_word":4519,"sentiment":"positive","sentiment_score":0.5873448252677917},{"text":"So if I take that off, it's the other $3.50 minus $1.80 minus 25. You're looking at having a 145,000 Mhmm. left over. I'm assuming you would want to purchase new furniture and things like that. So would you would you think that, like, maybe a $100 for a share portfolio would be reasonable, or were you thinking less than that? I'm thinking less. Okay. I was because I'm probably gonna my wife's I I don't know what's gonna happen with the 10 to 18 thing, but we're probably gonna if I she's probably gonna use about 75,000 to fill over there, roughly, and then probably just use 20,000 maybe on shares to start with to as, like, an initial investment and then, yeah, maybe invest more over the coming years. Would you okay. Would you like me to create a share portfolio for you and remanage it, or would you like to do it yourself? Yeah.","start_word":4520,"end_word":4676,"sentiment":"neutral","sentiment_score":0.018117006868124008},{"text":"No. No.","start_word":4677,"end_word":4678,"sentiment":"negative","sentiment_score":-0.3663203716278076},{"text":"That would be good, actually. Yeah. I've I've been doing my own research, but I'm yeah. I'm still just cramming all this learning into my head over the last couple of months. Yeah. So There's a I lot. I certainly There's don't a lot. know anything. Yeah. There is every information Yeah. with the boom of AI and things like that. It's amazing how many professional investors there are out there, and they end up putting, you know, outside of the demo account, and they lose all their money on the line. Right? So Yep. so, yeah, That's now it. we can I'll say 25. So Yep. just to reiterate, out of that $350,000 worth of cash in the bank, you wanna add about a 180,000 for a deposit on a on your Hotpeck's home. Yep. You're gonna use keep already so it's $371.80 is gonna go to the deposit of new home, 20,000 to pay back to parents, which leaves Mhmm. which is that $3.50 and then the $11.80. The $1.25 k on a rainy rainy day account just like an emergency back in somewhere savings. That leaves Yep. you with a 145,000. Your partner wants to go to Tanzania, purchase $75,000 to use about 70 depending, but use about $75,000 of that $1.45 remainder to Yep. to purchase property over there. And Mhmm. you're looking at a share portfolio with the remainder of that to purchase to of about $25,000 to purchase a shared portfolio. Right? Yeah. It sounds pretty pretty rough. I suppose I've gotta factor in all the other fees associated with purchasing the property, like stamp duty mainly. That's why I got the upper limit. So keep my next 20% of $900. Yeah. Yep. And then buyer's agency is a fair bit too if I do Yeah. end up going with them. But Maybe about 12 yeah. percent or something, 12% of purchase points or Yeah. He's the one I'm thinking of going with is $16,000 That's to pretty use successors. good. Yep. Just a flat fee. Well well, if I look at that and you go, well, you know, if you take the 75 from the TransUnion property, and you don't put it, that leaves you 70 that leaves you 70,000, And you minus up to 25,000, it leaves you with 45 about $45,000. So, yeah, Yes.","start_word":4679,"end_word":5071,"sentiment":"neutral","sentiment_score":0.009121607145431997},{"text":"Yeah. that that should be more than enough for cash just to keep it going. You're still gonna be working on any income as well. So that's all. I think that's a pretty good rough estimate for us to work with. Yeah. Cool. Alright. Beautiful.","start_word":5072,"end_word":5116,"sentiment":"positive","sentiment_score":0.5194846391677856},{"text":"So let's go back to the process. Looking at your situation at the moment, you're kind of you're not really, but you're kind of at seedling again. Right? Because you Yeah. sold your property. Now you got all Correct. this cash. What are we gonna do? Right? Yeah. So the first step is essentially and we we're nerds, to be honest. Then so just just bear with me. But, like, you know, That's we're fine. finance we're definitely finance. I'm the nerdiest finance there is. I can guarantee that. But yeah. So if you look at the roots, this is what I think about, you know, the tree, like a tree, it's an acorn. If you order oak view oak tree, there is Yeah. a game, but Yep. bear with me. They started this evening in the ground. You got you're in the dark. You don't know which way is up. You don't know where the sun is. Yeah. You don't know what's going on. You have no real kind of growth plan, no strategy, and no real direction, but you you wanna do something. Right? Yep. You know you need to grow. Yeah. So Yeah. what we wanna do is set up these, like, something that works in the background, kinda like under the ground, like roots of a tree, and that is essentially your superannuation and your insurances first and foremost because you're super you're Mhmm.","start_word":5117,"end_word":5354,"sentiment":"neutral","sentiment_score":0.004753633018802194},{"text":"contributing to just automatically and it's great for the time. It's in the tax effective environment. Right? So Yes. if we set that up correctly to get you a better return and grow more every year compounding, we can you want that to work as hard as possible for you.","start_word":5355,"end_word":5404,"sentiment":"positive","sentiment_score":0.6146199107170105},{"text":"But then at the same time, you also need to make sure that you're insured, and you need to make sure that you're insured for enough.","start_word":5405,"end_word":5430,"sentiment":"neutral","sentiment_score":0.15954506397247314},{"text":"Because if you're setting up a family and all those, you know, everything that you wanna achieve that were in line with your goals, if something goes wrong, you wanna make sure that you're happy.","start_word":5431,"end_word":5465,"sentiment":"positive","sentiment_score":0.36802423000335693},{"text":"Right?","start_word":5466,"end_word":5466,"sentiment":"neutral","sentiment_score":0.059017132967710495},{"text":"Nope. You there? Then I've lost you.","start_word":5467,"end_word":5473,"sentiment":"negative","sentiment_score":-0.45591655373573303}],"average":{"sentiment":"neutral","sentiment_score":0.09616318032063532}}}}