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Oh, so this one's where it gets tricky and it's not very fun. I was just talking to our team about this yesterday, actually. It's really interesting that you've called. So when it comes to existing properties, they've been grandfathered to existing negatively geared properties are fine. The only ones beyond that budget high point are new builds. New builds can be negatively geared, but there was a technicality at the moment with second dwelling, almost like subdivision and second dwellings that people would have to knock down the original home and build two to qualify for the negative gearing side of things. No. That's okay. New new built. So if you buy a an existing home, secondhand existing home established, they won't be able to do the negative gearing, only in new build, plan builds, that type of thing. That's for the negative gearing. Correct. If it's a second dwelling, you would essentially have to knock down the first one and build two. Yeah. Not so good. To make them both new, if we're just talking negative gearing, not CGT. That's okay. It's not a firm legislation. Mhmm. Essentially, unless it's a full, fresh, new built property. So all I'm saying there is that tax deductions for the loan? Yeah. Yeah. I did too. I did too. Oh, I know. Oh, I know, aren't they? Would you pay CGT on that? Yeah. So just walk me through it again just quickly. Are you going to be living in one portion of it and renting out the other, or they'll both be renting this? Two different rentals. Yeah. Well yeah. I think one thing that might make it easier is at the moment, you're you're still renting at the moment, aren't you? Yeah. So you can still claim the main residence exemption for that property. It shouldn't really be too much of a problem, especially if you go and move back into it. Yeah. That's what I was kinda getting at. Is CGT possible? Yeah. Like, you can you can waive a few things in and out there by, obviously, like, moving into the property and triggering the rules and things like that. That's not too much of a problem. It's the cash flow side of things, making sure that it's either positively geared or you can get by without the tax deductions for that part. I don't think it's practical for you to knock a place down to build two just to get some tax deductions on some interest on a loan. That's disappointment. No. Yeah. Yes. Yeah. Yes. Yep. For that financial year. Yeah. Yep. So it's all sole trader, personal services income. It would all count to your your personal income at the end of the day. It's not, you know, cell company type stuff. So yeah. Yeah. So how it basically works is Yeah. Yeah. That's right. There's not many overheads. Yep. Yeah. It doesn't make too much of a difference from my memory because, again, it's all gonna go up against your your personal income tax anyway. So that should be okay. If you were to put that in thousand dollars, claim it, it will reduce your taxable income by that much. But when you're a sole trader, it pretty well goes together. You're not getting a corporate tax rate because there's no PTY LTV company. So you're not gonna be getting that 30% company rate. It'll all be going against your personal your marginal tax rate, which for you, I think we had you at, like, 85,000. I did make a small note in one of our conversations that you'd made, say, 12 to $15 from the the hobby business. So that may push you up to, say, a 100,000 and whatever that bracket is. And then if you put $10 in your super, drops your taxable income back down to the 90 and then taxes you on what's left over. Yeah. Loans and debits and things like that. Not really. And that's where people start funneling things into, you know, people doing family trust and bucket companies and and distributing income to spouses and things like that. What your situation is is let's say you built that loan you were talking about before is if you're just getting clean profit from the hobby business, from your income, and from the property, they're just coming after you with the taxes for all three. Unless you start finding ways to make it look like, you know, higher expenses, more deductions, and things like that, you don't have Yeah. For them to approve lending to build on it? Yeah. It'll be a bit quicker. It'll be a bit quicker. They'd obviously have all the existing, especially if you're doing the same back. They've got all the existing dwelling details, talking about what you wanna get out for the equity release and the other one. Do you go through a specific broker or just bank? Or Mhmm. Yeah. Yeah. It shouldn't take too long to do it, but are you are you trying to get it done before financial year? Or Yeah. Yep. And just paying savings on it. Yeah. Yeah. Exactly right. Yeah. Yeah. And the interest won't have accrued much in between now and financial year anyway. Yeah. Potentially. Because at the end of the day, don't wanna be hiding it in the super where it's locked away until 60 just to avoid that little bit. Because that's that's twelve years that you could be accessing that for these other goals. Definitely don't do that. Yeah. Yeah. Yeah. A few. Yeah. I'm I'm picturing it in my mind at the moment because anytime that you you change the beneficial owner or something, you start to get some issues. What what's gonna happen for you in the future that you're gonna be very careful on is I'll come back to this in a sec. So let's say your mother gets the property into you and your sister's name. You've now got this other asset that you've got partial ownership. So now you've got two properties, and let's say you build that extra dwelling, you've now got, say, 2.5. Well, if it's half of the other one, you know what I mean? Three little ones. You now need to track those three properties. You're not gonna be getting away from CGT on one or two of them depending on which ones you move between. So you have to be very careful with the size and value of them and their ability to appreciate in capital value because you don't wanna be sitting in the one that's gone stagnant. And the one that doubles, you pay a heap of tax on when you sell it. K? So in terms of living situation, because that was big for for you as well, is your mother's home in a place that you can live in there, or are we talking about possibly moving back to the one where you built dwelling on? What would be most realistic? Fix up. Yeah. But it was fixer upper. And your mom's already got it as a rental? Yeah. Because I'm just thinking now straight away to those negative gearing changes. If you guys get ownership of it and you can prove that it was an investment property, yada yada yada, that might be okay. Yeah. Anyway, future things to worry about, but it's little things like that too. What you're taking on in your name. So you always give me the fun ones. I think you give me the most fun ones out of anyone. I've got this big this big running document with all the notes that I take from our conversation, and it's a rainbow of different colors that I highlight from it of interesting little tidbits that I can talk to the team about. Yep. Possibly. I'll have to confirm that because, again, it's all recent changes. But if it was always used for investment purposes, and I guess that the issue would be taking up any debt. And there's no loans left on it? So then oh, okay. I was just thinking of the idea of borrowing to purchase that property from your mom. Yeah. But that's not gonna work because it's an existing dwelling. You're not gonna be able to do that. Because if there's no loan to take over, you won't be able to make it. The flip side of things, which is probably a bit more attractive for you, we'll we'll have to keep an eye on the details of your mother's home. Do you know when that's happening? When she's looking to do that? Right. Gotcha. Gotcha. Gotcha. Yeah. Yep. I get you. Well, on the flip side of things, so you know how we were talking about the the dwelling that you wanna build on on the current property? Do you know how much you would get for that rental once it's built? Gotcha. Gotcha. Yeah. Yes. Right. So tonight just to get your head in the mind space of it. So let's say you're getting $2,000 a month for your hobby business. That was one of the things that you mentioned possibly for a contract. So let's just use that as an example. 24,000 a year, it's about $4.60 a week. Now if you get this dwelling built and there's a loan for that, you're getting $4.50 a week rent, but you're still getting your $4.60 from the hobby. So you're getting two sources of income. Does that make sense? So you're gonna get taxed out the arse because you're getting two lots of income on top of your wages. You're just compounding three lots of income on top of each other. The flip side is just for argument's sake. Let's say you build that dwelling and you run the hobby business out of it. And every single thing to do with that hobby business is I need this expense. I need this space, electricity, Internet, whatever it is for the business, and you start tying it in with the business to get lots of deductions, but you've got a loan to repay because you've built it. So you don't get that $4.50, but you can link in to all of the different deductions and things like that. Kind of two different pathways. You know what I'm saying? Like, build the business up within that tax effectively and use that and actually try and grow that thing somewhere or get an extra source of income, but just know that you've now got a third source to be taxed. Yeah. Is that to to afford it? Yeah. Yeah. Yeah. That wouldn't be ideal because alright. So that one that option goes out the window because one of the things that my mind started going to was if you go to that property, build the dwelling, build the business, all of a sudden you start leaning in the next five years towards a bucket company. And, you know, trust with a bucket company and all of a sudden everything to do with the rental and the business and everything is all tied into those entities. But if that all stops and all of a sudden you build it and you've got a loan, you've got an expense, and then the income's not coming in, I I wouldn't bother with that. It could be more of a come back to that in a few years type thing. Yeah. It's one of those things where yeah. I think so. Yeah. Yeah. Look. It's adding some assets. It can be used in a couple of different ways. I think you've been leaning in that direction for a while now, so it it definitely makes sense to to give it a go if you think the occupancies there and the figures make sense. Yeah. Look, Claire, it's it's one of those things with the government. They change this legislation. Everyone's gonna try and figure their way through the weeds a little bit, But we've got a bit better idea about what not to do, which is good. Got a bit more leaning in a direction, which is good. And if I come up with any new ideas, I'll I'll give you a call. And, yeah, there's a few different moving parts you've got between your property and the other ones. So keep leaning where you're leaning, and things will start to paint the picture over time. And when I come up with some new ideas, I'll let you know. Cool. Alright. I will be that's okay. I'll catch you in a few months for review. End of financial year, we'll just leave that. Yeah. Yep. I'm with you. Yeah. I don't think there'd be very much, to be honest. I don't think there'd be very much. Yeah. I don't think you've gotta rush it. I think Maybe. Maybe. Hang on. More investment, didn't they? Well, your property is yeah. So this is one of the ones that when you're building it, you're carrying forward a lot of claims for when it does produce an income. So you get all these expenses and capital works that you did to build that rental property. Expenses now. You're not reducing your income for this financial year. You're doing it for when it's built and rented. Provided your property is held to produce an assessable income in that year. Yeah. Loans and borrowing expenses, that can be done over many different years. Advertising for tenants and someone so that comes later. Council rates and things like that. Yeah. Nothing major. Potentially. No. Not until that place is once that's built, you can you can do some work on it. Oh, yeah. Yeah. Yeah. Yeah. Well, I've been hit with all the repairs on my place, and it's like a new air conditioner and all this kind of thing for that count. Do you have do you have an accountant that you can give a call for me, Or you're still looking for one? Do you have an accountant that you could call for? Alright. Yeah. Right. So I was gonna ask them about the capital all that up, but the capital works for the place that you're building, and the capital works for the listing place, how those two are treated differently. So I can look into it and send you an email, but if we've got someone to call, that'll be quicker. I just don't know off the top of my head. Gotcha. Gotcha. No. Okay. What I'll do is I'll do a little bit of research in the next half an hour or so, and I'll put you a little bit of an email about CapitalWorks for the existing or new build. And that should give you an indication about whether it's worth trying to rush it through now and which ones you'd be able to do. How does that sound? That's okay, Claire. Still got your oh, it's my favorite. Gmail still okay for you? Greentree. Greentreeroombroom@Gmail.com. Yeah. Cool. I'll have a chat with Savi tomorrow when I see him. That's okay. You have a good night, and just put me an email back if you got any questions. Thanks, Claire. 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I'm doing fantastic. How you been? Yeah. Yeah.\n\nYeah. Absolutely. Fair enough. Fair enough. It happened.\n\nYeah. Yeah. Yeah. This is for the second dwelling on the one property. Yep.\n\nOh, yes. Oh, so this one's where it gets tricky and it's not very fun. I was just talking to our team about this yesterday, actually. It's really interesting that you've called. So when it comes to existing properties, they've been grandfathered to existing negatively geared properties are fine.\n\nThe only ones beyond that budget high point are new builds. New builds can be negatively geared, but there was a technicality at the moment with second dwelling, almost like subdivision and second dwellings that people would have to knock down the original home and build two to qualify for the negative gearing side of things. No. That's okay. New new built.\n\nSo if you buy a an existing home, secondhand existing home established, they won't be able to do the negative gearing, only in new build, plan builds, that type of thing. That's for the negative gearing. Correct. If it's a second dwelling, you would essentially have to knock down the first one and build two. Yeah.\n\nNot so good. To make them both new, if we're just talking negative gearing, not CGT. That's okay. It's not a firm legislation. Mhmm.\n\nEssentially, unless it's a full, fresh, new built property. So all I'm saying there is that tax deductions for the loan? Yeah. Yeah. I did too.\n\nI did too. Oh, I know. Oh, I know, aren't they? Would you pay CGT on that? Yeah.\n\nSo just walk me through it again just quickly. Are you going to be living in one portion of it and renting out the other, or they'll both be renting this? Two different rentals. Yeah. Well yeah.\n\nI think one thing that might make it easier is at the moment, you're you're still renting at the moment, aren't you? Yeah. So you can still claim the main residence exemption for that property. It shouldn't really be too much of a problem, especially if you go and move back into it. Yeah.\n\nThat's what I was kinda getting at. Is CGT possible? Yeah. Like, you can you can waive a few things in and out there by, obviously, like, moving into the property and triggering the rules and things like that. That's not too much of a problem.\n\nIt's the cash flow side of things, making sure that it's either positively geared or you can get by without the tax deductions for that part. I don't think it's practical for you to knock a place down to build two just to get some tax deductions on some interest on a loan. That's disappointment. No. Yeah.\n\nYes. Yeah. Yes. Yep. For that financial year.\n\nYeah. Yep. So it's all sole trader, personal services income. It would all count to your your personal income at the end of the day. It's not, you know, cell company type stuff.\n\nSo yeah. Yeah. So how it basically works is Yeah. Yeah. That's right.\n\nThere's not many overheads. Yep. Yeah. It doesn't make too much of a difference from my memory because, again, it's all gonna go up against your your personal income tax anyway. So that should be okay.\n\nIf you were to put that in thousand dollars, claim it, it will reduce your taxable income by that much. But when you're a sole trader, it pretty well goes together. You're not getting a corporate tax rate because there's no PTY LTV company. So you're not gonna be getting that 30% company rate. It'll all be going against your personal your marginal tax rate, which for you, I think we had you at, like, 85,000.\n\nI did make a small note in one of our conversations that you'd made, say, 12 to $15 from the the hobby business. So that may push you up to, say, a 100,000 and whatever that bracket is. And then if you put $10 in your super, drops your taxable income back down to the 90 and then taxes you on what's left over. Yeah. Loans and debits and things like that.\n\nNot really. And that's where people start funneling things into, you know, people doing family trust and bucket companies and and distributing income to spouses and things like that. What your situation is is let's say you built that loan you were talking about before is if you're just getting clean profit from the hobby business, from your income, and from the property, they're just coming after you with the taxes for all three. Unless you start finding ways to make it look like, you know, higher expenses, more deductions, and things like that, you don't have Yeah. For them to approve lending to build on it?\n\nYeah. It'll be a bit quicker. It'll be a bit quicker. They'd obviously have all the existing, especially if you're doing the same back. They've got all the existing dwelling details, talking about what you wanna get out for the equity release and the other one.\n\nDo you go through a specific broker or just bank? Or Mhmm. Yeah. Yeah. It shouldn't take too long to do it, but are you are you trying to get it done before financial year?\n\nOr Yeah. Yep. And just paying savings on it. Yeah. Yeah.\n\nExactly right. Yeah. Yeah. And the interest won't have accrued much in between now and financial year anyway. Yeah.\n\nPotentially. Because at the end of the day, don't wanna be hiding it in the super where it's locked away until 60 just to avoid that little bit. Because that's that's twelve years that you could be accessing that for these other goals. Definitely don't do that. Yeah.\n\nYeah. Yeah. A few. Yeah. I'm I'm picturing it in my mind at the moment because anytime that you you change the beneficial owner or something, you start to get some issues.\n\nWhat what's gonna happen for you in the future that you're gonna be very careful on is I'll come back to this in a sec. So let's say your mother gets the property into you and your sister's name. You've now got this other asset that you've got partial ownership. So now you've got two properties, and let's say you build that extra dwelling, you've now got, say, 2.5. Well, if it's half of the other one, you know what I mean?\n\nThree little ones. You now need to track those three properties. You're not gonna be getting away from CGT on one or two of them depending on which ones you move between. So you have to be very careful with the size and value of them and their ability to appreciate in capital value because you don't wanna be sitting in the one that's gone stagnant. And the one that doubles, you pay a heap of tax on when you sell it.\n\nK? So in terms of living situation, because that was big for for you as well, is your mother's home in a place that you can live in there, or are we talking about possibly moving back to the one where you built dwelling on? What would be most realistic? Fix up. Yeah.\n\nBut it was fixer upper. And your mom's already got it as a rental? Yeah. Because I'm just thinking now straight away to those negative gearing changes. If you guys get ownership of it and you can prove that it was an investment property, yada yada yada, that might be okay.\n\nYeah. Anyway, future things to worry about, but it's little things like that too. What you're taking on in your name. So you always give me the fun ones. I think you give me the most fun ones out of anyone.\n\nI've got this big this big running document with all the notes that I take from our conversation, and it's a rainbow of different colors that I highlight from it of interesting little tidbits that I can talk to the team about. Yep. Possibly. I'll have to confirm that because, again, it's all recent changes. But if it was always used for investment purposes, and I guess that the issue would be taking up any debt.\n\nAnd there's no loans left on it? So then oh, okay. I was just thinking of the idea of borrowing to purchase that property from your mom. Yeah. But that's not gonna work because it's an existing dwelling.\n\nYou're not gonna be able to do that. Because if there's no loan to take over, you won't be able to make it. The flip side of things, which is probably a bit more attractive for you, we'll we'll have to keep an eye on the details of your mother's home. Do you know when that's happening? When she's looking to do that?\n\nRight. Gotcha. Gotcha. Gotcha. Yeah.\n\nYep. I get you. Well, on the flip side of things, so you know how we were talking about the the dwelling that you wanna build on on the current property? Do you know how much you would get for that rental once it's built? Gotcha.\n\nGotcha. Yeah. Yes. Right. So tonight just to get your head in the mind space of it.\n\nSo let's say you're getting $2,000 a month for your hobby business. That was one of the things that you mentioned possibly for a contract. So let's just use that as an example. 24,000 a year, it's about $4.60 a week. Now if you get this dwelling built and there's a loan for that, you're getting $4.50 a week rent, but you're still getting your $4.60 from the hobby.\n\nSo you're getting two sources of income. Does that make sense? So you're gonna get taxed out the arse because you're getting two lots of income on top of your wages. You're just compounding three lots of income on top of each other. The flip side is just for argument's sake.\n\nLet's say you build that dwelling and you run the hobby business out of it. And every single thing to do with that hobby business is I need this expense. I need this space, electricity, Internet, whatever it is for the business, and you start tying it in with the business to get lots of deductions, but you've got a loan to repay because you've built it. So you don't get that $4.50, but you can link in to all of the different deductions and things like that. Kind of two different pathways.\n\nYou know what I'm saying? Like, build the business up within that tax effectively and use that and actually try and grow that thing somewhere or get an extra source of income, but just know that you've now got a third source to be taxed. Yeah. Is that to to afford it? Yeah.\n\nYeah. Yeah. That wouldn't be ideal because alright. So that one that option goes out the window because one of the things that my mind started going to was if you go to that property, build the dwelling, build the business, all of a sudden you start leaning in the next five years towards a bucket company. And, you know, trust with a bucket company and all of a sudden everything to do with the rental and the business and everything is all tied into those entities.\n\nBut if that all stops and all of a sudden you build it and you've got a loan, you've got an expense, and then the income's not coming in, I I wouldn't bother with that. It could be more of a come back to that in a few years type thing. Yeah. It's one of those things where yeah. I think so.\n\nYeah. Yeah. Look. It's adding some assets. It can be used in a couple of different ways.\n\nI think you've been leaning in that direction for a while now, so it it definitely makes sense to to give it a go if you think the occupancies there and the figures make sense. Yeah. Look, Claire, it's it's one of those things with the government. They change this legislation. Everyone's gonna try and figure their way through the weeds a little bit, But we've got a bit better idea about what not to do, which is good.\n\nGot a bit more leaning in a direction, which is good. And if I come up with any new ideas, I'll I'll give you a call. And, yeah, there's a few different moving parts you've got between your property and the other ones. So keep leaning where you're leaning, and things will start to paint the picture over time. And when I come up with some new ideas, I'll let you know.\n\nCool. Alright. I will be that's okay. I'll catch you in a few months for review. End of financial year, we'll just leave that.\n\nYeah. Yep. I'm with you. Yeah. I don't think there'd be very much, to be honest.\n\nI don't think there'd be very much. Yeah. I don't think you've gotta rush it. I think Maybe. Maybe.\n\nHang on. More investment, didn't they? Well, your property is yeah. So this is one of the ones that when you're building it, you're carrying forward a lot of claims for when it does produce an income. So you get all these expenses and capital works that you did to build that rental property.\n\nExpenses now. You're not reducing your income for this financial year. You're doing it for when it's built and rented. Provided your property is held to produce an assessable income in that year. Yeah.\n\nLoans and borrowing expenses, that can be done over many different years. Advertising for tenants and someone so that comes later. Council rates and things like that. Yeah. Nothing major.\n\nPotentially. No. Not until that place is once that's built, you can you can do some work on it. Oh, yeah. Yeah.\n\nYeah. Yeah. Well, I've been hit with all the repairs on my place, and it's like a new air conditioner and all this kind of thing for that count. Do you have do you have an accountant that you can give a call for me, Or you're still looking for one? Do you have an accountant that you could call for?\n\nAlright. Yeah. Right. So I was gonna ask them about the capital all that up, but the capital works for the place that you're building, and the capital works for the listing place, how those two are treated differently. So I can look into it and send you an email, but if we've got someone to call, that'll be quicker.\n\nI just don't know off the top of my head. Gotcha. Gotcha. No. Okay.\n\nWhat I'll do is I'll do a little bit of research in the next half an hour or so, and I'll put you a little bit of an email about CapitalWorks for the existing or new build. And that should give you an indication about whether it's worth trying to rush it through now and which ones you'd be able to do. How does that sound? That's okay, Claire. Still got your oh, it's my favorite.\n\nGmail still okay for you? Greentree. Greentreeroombroom@Gmail.com. Yeah. Cool.\n\nI'll have a chat with Savi tomorrow when I see him. That's okay. You have a good night, and just put me an email back if you got any questions. Thanks, Claire. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":4.0,"end":4.24,"sentiment":"positive","sentiment_score":0.5324973464012146},{"text":"I'm doing fantastic.","start":4.24,"end":5.54,"sentiment":"positive","sentiment_score":0.7406142552693685},{"text":"How you been?","start":5.6,"end":6.42,"sentiment":"positive","sentiment_score":0.5073616703351339},{"text":"Yeah.","start":25.710001,"end":25.95,"sentiment":"neutral","sentiment_score":0.04042232409119606},{"text":"Yeah.","start":25.95,"end":26.27,"sentiment":"neutral","sentiment_score":0.05012509971857071}],"sentiment":"positive","sentiment_score":0.48521917189160985,"num_words":9,"start":4.0,"end":26.27},{"sentences":[{"text":"Yeah.","start":26.27,"end":26.43,"sentiment":"neutral","sentiment_score":0.0945923626422882},{"text":"Absolutely.","start":26.43,"end":26.93,"sentiment":"neutral","sentiment_score":0.2062421441078186},{"text":"Fair enough.","start":44.604996,"end":45.245,"sentiment":"neutral","sentiment_score":-0.037473415955901146},{"text":"Fair enough.","start":45.245,"end":45.984997,"sentiment":"neutral","sentiment_score":-0.02355047408491373},{"text":"It happened.","start":46.604996,"end":47.344997,"sentiment":"neutral","sentiment_score":-0.05866677686572075}],"sentiment":"neutral","sentiment_score":0.007681646617129446,"num_words":8,"start":26.27,"end":47.344997},{"sentences":[{"text":"Yeah.","start":51.519997,"end":52.019997,"sentiment":"neutral","sentiment_score":-0.04070435464382171},{"text":"Yeah.","start":72.095,"end":72.595,"sentiment":"neutral","sentiment_score":-0.03329286351799965},{"text":"Yeah.","start":89.965,"end":90.205,"sentiment":"neutral","sentiment_score":0.03403342142701149},{"text":"This is for the second dwelling on the one property.","start":90.205,"end":93.425,"sentiment":"neutral","sentiment_score":0.03364255502820015},{"text":"Yep.","start":95.645,"end":96.145,"sentiment":"neutral","sentiment_score":0.03488131985068321}],"sentiment":"neutral","sentiment_score":0.02366736238556249,"num_words":14,"start":51.519997,"end":96.145},{"sentences":[{"text":"Oh, yes.","start":128.23,"end":128.89,"sentiment":"neutral","sentiment_score":-0.004316073376685381},{"text":"Oh, so this one's where it gets tricky and it's not very fun.","start":147.925,"end":153.12,"sentiment":"neutral","sentiment_score":-0.29247370018408847},{"text":"I was just talking to our team about this yesterday, actually.","start":153.42,"end":157.12,"sentiment":"neutral","sentiment_score":-0.07367748394608498},{"text":"It's really interesting that you've called.","start":157.26,"end":159.12,"sentiment":"neutral","sentiment_score":-0.015862113796174526},{"text":"So when it comes to existing properties, they've been grandfathered to existing negatively geared properties are fine.","start":159.26,"end":168.045,"sentiment":"neutral","sentiment_score":-0.0856786418487044}],"sentiment":"neutral","sentiment_score":-0.1259786156481322,"num_words":49,"start":128.23,"end":168.045},{"sentences":[{"text":"The only ones beyond that budget high point are new builds.","start":168.585,"end":175.16501,"sentiment":"neutral","sentiment_score":-0.17645280808210373},{"text":"New builds can be negatively geared, but there was a technicality at the moment with second dwelling, almost like subdivision and second dwellings that people would have to knock down the original home and build two to qualify for the negative gearing side of things.","start":176.04001,"end":197.49501,"sentiment":"neutral","sentiment_score":-0.13829463438855277},{"text":"No.","start":206.29001,"end":206.45001,"sentiment":"neutral","sentiment_score":-0.1474027931690216},{"text":"That's okay.","start":206.45001,"end":207.19,"sentiment":"neutral","sentiment_score":-0.12982113659381866},{"text":"New new built.","start":227.425,"end":229.125,"sentiment":"neutral","sentiment_score":-0.0845257764061292}],"sentiment":"neutral","sentiment_score":-0.14233648116069456,"num_words":62,"start":168.585,"end":229.125},{"sentences":[{"text":"So if you buy a an existing home, secondhand existing home established, they won't be able to do the negative gearing, only in new build, plan builds, that type of thing.","start":229.82,"end":245.36499,"sentiment":"neutral","sentiment_score":-0.12411029636859894},{"text":"That's for the negative gearing.","start":245.665,"end":247.205,"sentiment":"neutral","sentiment_score":-0.14531275779008865},{"text":"Correct.","start":249.025,"end":249.525,"sentiment":"neutral","sentiment_score":-0.019375480711460114},{"text":"If it's a second dwelling, you would essentially have to knock down the first one and build two.","start":249.665,"end":254.965,"sentiment":"neutral","sentiment_score":-0.07438940989474456},{"text":"Yeah.","start":260.56,"end":261.06,"sentiment":"neutral","sentiment_score":-0.15381920337677002}],"sentiment":"neutral","sentiment_score":-0.10868191140304719,"num_words":56,"start":229.82,"end":261.06},{"sentences":[{"text":"Not so good.","start":261.91998,"end":262.63998,"sentiment":"negative","sentiment_score":-0.42113548517227173},{"text":"To make them both new, if we're just talking negative gearing, not CGT.","start":262.63998,"end":266.97998,"sentiment":"neutral","sentiment_score":-0.3231314191451439},{"text":"That's okay.","start":284.11,"end":284.75,"sentiment":"neutral","sentiment_score":-0.11528557538986206},{"text":"It's not a firm legislation.","start":284.75,"end":286.53,"sentiment":"neutral","sentiment_score":-0.20935101211071014},{"text":"Mhmm.","start":320.985,"end":321.485,"sentiment":"neutral","sentiment_score":-0.1108257621526718}],"sentiment":"neutral","sentiment_score":-0.28551111991206807,"num_words":24,"start":261.91998,"end":321.485},{"sentences":[{"text":"Essentially, unless it's a full, fresh, new built property.","start":323.305,"end":331.645,"sentiment":"neutral","sentiment_score":-0.18290037910143533},{"text":"So all I'm saying there is that tax deductions for the loan?","start":342.69,"end":346.39,"sentiment":"neutral","sentiment_score":-0.1271794562538465},{"text":"Yeah.","start":348.025,"end":348.525,"sentiment":"neutral","sentiment_score":-0.018600262701511383},{"text":"Yeah.","start":349.865,"end":350.185,"sentiment":"neutral","sentiment_score":0.06778419762849808},{"text":"I did too.","start":350.185,"end":351.145,"sentiment":"neutral","sentiment_score":0.0639015759030978}],"sentiment":"neutral","sentiment_score":-0.11274493170472291,"num_words":26,"start":323.305,"end":351.145},{"sentences":[{"text":"I did too.","start":351.145,"end":352.125,"sentiment":"neutral","sentiment_score":-0.0844510868191719},{"text":"Oh, I know.","start":356.345,"end":357.165,"sentiment":"neutral","sentiment_score":-0.31032073497772217},{"text":"Oh, I know, aren't they?","start":357.625,"end":358.76498,"sentiment":"neutral","sentiment_score":-0.1552724704146385},{"text":"Would you pay CGT on that?","start":411.82,"end":413.68,"sentiment":"neutral","sentiment_score":-0.11426743119955063},{"text":"Yeah.","start":429.11502,"end":429.435,"sentiment":"neutral","sentiment_score":0.002949502319097519}],"sentiment":"neutral","sentiment_score":-0.1468518279078934,"num_words":18,"start":351.145,"end":429.435},{"sentences":[{"text":"So just walk me through it again just quickly.","start":429.435,"end":431.435,"sentiment":"neutral","sentiment_score":0.04418177571561602},{"text":"Are you going to be living in one portion of it and renting out the other, or they'll both be renting this?","start":431.435,"end":438.21,"sentiment":"neutral","sentiment_score":-0.001284394243901426},{"text":"Two different rentals.","start":440.03,"end":441.00998,"sentiment":"neutral","sentiment_score":0.04290111487110456},{"text":"Yeah.","start":453.005,"end":453.505,"sentiment":"neutral","sentiment_score":0.04599158465862274},{"text":"Well yeah.","start":457.245,"end":463.13,"sentiment":"neutral","sentiment_score":-0.17705858498811722}],"sentiment":"neutral","sentiment_score":0.005133974793794993,"num_words":37,"start":429.435,"end":463.13},{"sentences":[{"text":"I think one thing that might make it easier is at the moment, you're you're still renting at the moment, aren't you?","start":463.13,"end":469.95,"sentiment":"neutral","sentiment_score":0.02422030782327056},{"text":"Yeah.","start":472.18503,"end":472.68503,"sentiment":"neutral","sentiment_score":0.16681766510009766},{"text":"So you can still claim the main residence exemption for that property.","start":472.90503,"end":480.845,"sentiment":"neutral","sentiment_score":0.22391573836406073},{"text":"It shouldn't really be too much of a problem, especially if you go and move back into it.","start":484.2,"end":492.54,"sentiment":"neutral","sentiment_score":0.1926946561369631},{"text":"Yeah.","start":510.03,"end":510.43,"sentiment":"neutral","sentiment_score":-0.04046589136123657}],"sentiment":"neutral","sentiment_score":0.12619798549416442,"num_words":54,"start":463.13,"end":510.43},{"sentences":[{"text":"That's what I was kinda getting at.","start":510.43,"end":511.87,"sentiment":"neutral","sentiment_score":-0.07757281139492989},{"text":"Is CGT possible?","start":511.87,"end":513.57,"sentiment":"neutral","sentiment_score":-0.013061157427728176},{"text":"Yeah.","start":525.565,"end":525.965,"sentiment":"neutral","sentiment_score":0.08919227868318558},{"text":"Like, you can you can waive a few things in and out there by, obviously, like, moving into the property and triggering the rules and things like that.","start":525.965,"end":534.4,"sentiment":"neutral","sentiment_score":0.09390263033232518},{"text":"That's not too much of a problem.","start":534.62,"end":536.56,"sentiment":"neutral","sentiment_score":0.3218597833599363}],"sentiment":"neutral","sentiment_score":0.09541937520565547,"num_words":46,"start":510.43,"end":536.56},{"sentences":[{"text":"It's the cash flow side of things, making sure that it's either positively geared or you can get by without the tax deductions for that part.","start":536.94,"end":545.52,"sentiment":"neutral","sentiment_score":0.24349459833823717},{"text":"I don't think it's practical for you to knock a place down to build two just to get some tax deductions on some interest on a loan.","start":547.865,"end":554.585,"sentiment":"neutral","sentiment_score":-0.3209101331454736},{"text":"That's disappointment.","start":554.585,"end":555.645,"sentiment":"negative","sentiment_score":-0.721131294965744},{"text":"No.","start":561.48004,"end":561.98004,"sentiment":"neutral","sentiment_score":-0.19707432389259336},{"text":"Yeah.","start":574.97504,"end":575.47504,"sentiment":"neutral","sentiment_score":-0.08453580737113953}],"sentiment":"neutral","sentiment_score":-0.07118573261980425,"num_words":57,"start":536.94,"end":575.47504},{"sentences":[{"text":"Yes.","start":585.95,"end":586.45,"sentiment":"neutral","sentiment_score":-0.07490947842597961},{"text":"Yeah.","start":607.025,"end":607.525,"sentiment":"neutral","sentiment_score":-0.15231925249099731},{"text":"Yes.","start":652.225,"end":652.625,"sentiment":"neutral","sentiment_score":0.028328340500593185},{"text":"Yep.","start":652.625,"end":653.02496,"sentiment":"neutral","sentiment_score":-0.007972120307385921},{"text":"For that financial year.","start":653.02496,"end":654.40497,"sentiment":"neutral","sentiment_score":0.2880534902215004}],"sentiment":"neutral","sentiment_score":0.11816768127027899,"num_words":8,"start":585.95,"end":654.40497},{"sentences":[{"text":"Yeah.","start":695.505,"end":696.005,"sentiment":"neutral","sentiment_score":0.1465820670127869},{"text":"Yep.","start":704.705,"end":705.10504,"sentiment":"neutral","sentiment_score":0.16004812717437744},{"text":"So it's all sole trader, personal services income.","start":705.10504,"end":708.145,"sentiment":"neutral","sentiment_score":0.1790082734078169},{"text":"It would all count to your your personal income at the end of the day.","start":708.145,"end":712.18,"sentiment":"neutral","sentiment_score":0.2715254912773768},{"text":"It's not, you know, cell company type stuff.","start":712.95996,"end":716.01996,"sentiment":"neutral","sentiment_score":-0.000775839202105999}],"sentiment":"neutral","sentiment_score":0.1759203647573789,"num_words":33,"start":695.505,"end":716.01996},{"sentences":[{"text":"So yeah.","start":717.2,"end":720.39996,"sentiment":"neutral","sentiment_score":0.011334896087646484},{"text":"Yeah.","start":720.39996,"end":720.63995,"sentiment":"neutral","sentiment_score":0.119736447930336},{"text":"So how it basically works is Yeah.","start":720.63995,"end":737.23,"sentiment":"neutral","sentiment_score":0.23006578854152135},{"text":"Yeah.","start":746.01,"end":746.41,"sentiment":"neutral","sentiment_score":0.07061660289764404},{"text":"That's right.","start":746.41,"end":746.88995,"sentiment":"neutral","sentiment_score":0.22675617039203644}],"sentiment":"neutral","sentiment_score":0.1751535156598458,"num_words":13,"start":717.2,"end":746.88995},{"sentences":[{"text":"There's not many overheads.","start":746.88995,"end":748.02997,"sentiment":"neutral","sentiment_score":0.20587947592139244},{"text":"Yep.","start":774.315,"end":774.815,"sentiment":"neutral","sentiment_score":0.12799179553985596},{"text":"Yeah.","start":783.275,"end":783.59503,"sentiment":"neutral","sentiment_score":0.1363724321126938},{"text":"It doesn't make too much of a difference from my memory because, again, it's all gonna go up against your your personal income tax anyway.","start":783.59503,"end":791.65,"sentiment":"neutral","sentiment_score":-0.06296951591968536},{"text":"So that should be okay.","start":791.87,"end":793.17,"sentiment":"positive","sentiment_score":0.4226203680038452}],"sentiment":"neutral","sentiment_score":0.04518739092681143,"num_words":36,"start":746.88995,"end":793.17},{"sentences":[{"text":"If you were to put that in thousand dollars, claim it, it will reduce your taxable income by that much.","start":794.67,"end":801.81,"sentiment":"positive","sentiment_score":0.42590652299113574},{"text":"But when you're a sole trader, it pretty well goes together.","start":811.205,"end":813.625,"sentiment":"positive","sentiment_score":0.42755940556526184},{"text":"You're not getting a corporate tax rate because there's no PTY LTV company.","start":814.005,"end":818.53,"sentiment":"neutral","sentiment_score":-0.2577706426382065},{"text":"So you're not gonna be getting that 30% company rate.","start":818.67004,"end":821.95,"sentiment":"neutral","sentiment_score":-0.27629713118076327},{"text":"It'll all be going against your personal your marginal tax rate, which for you, I think we had you at, like, 85,000.","start":821.95,"end":829.65,"sentiment":"neutral","sentiment_score":-0.030224210836670616}],"sentiment":"neutral","sentiment_score":0.08476791600696743,"num_words":76,"start":794.67,"end":829.65},{"sentences":[{"text":"I did make a small note in one of our conversations that you'd made, say, 12 to $15 from the the hobby business.","start":831.185,"end":838.325,"sentiment":"neutral","sentiment_score":0.2834961045047511},{"text":"So that may push you up to, say, a 100,000 and whatever that bracket is.","start":838.78503,"end":843.205,"sentiment":"positive","sentiment_score":0.33609742522239683},{"text":"And then if you put $10 in your super, drops your taxable income back down to the 90 and then taxes you on what's left over.","start":843.32,"end":852.14,"sentiment":"neutral","sentiment_score":0.23139277702340713},{"text":"Yeah.","start":874.71,"end":875.21,"sentiment":"neutral","sentiment_score":0.06853730976581573},{"text":"Loans and debits and things like that.","start":875.43,"end":877.69,"sentiment":"neutral","sentiment_score":0.08291627253804888}],"sentiment":"neutral","sentiment_score":0.2531532666956385,"num_words":72,"start":831.185,"end":877.69},{"sentences":[{"text":"Not really.","start":889.76495,"end":890.58496,"sentiment":"negative","sentiment_score":-0.42633888125419617},{"text":"And that's where people start funneling things into, you know, people doing family trust and bucket companies and and distributing income to spouses and things like that.","start":890.64496,"end":902.11,"sentiment":"neutral","sentiment_score":-0.07394499635254895},{"text":"What your situation is is let's say you built that loan you were talking about before is if you're just getting clean profit from the hobby business, from your income, and from the property, they're just coming after you with the taxes for all three.","start":902.33,"end":917.28503,"sentiment":"neutral","sentiment_score":-0.033368775967715515},{"text":"Unless you start finding ways to make it look like, you know, higher expenses, more deductions, and things like that, you don't have Yeah.","start":917.505,"end":956.71,"sentiment":"neutral","sentiment_score":-0.3275993751594797},{"text":"For them to approve lending to build on it?","start":968.395,"end":971.295,"sentiment":"neutral","sentiment_score":-0.00542309849212567}],"sentiment":"neutral","sentiment_score":-0.11459794834421547,"num_words":107,"start":889.76495,"end":971.295},{"sentences":[{"text":"Yeah.","start":978.01,"end":978.33,"sentiment":"neutral","sentiment_score":0.04844340309500694},{"text":"It'll be a bit quicker.","start":978.33,"end":979.55,"sentiment":"neutral","sentiment_score":0.08153901249170303},{"text":"It'll be a bit quicker.","start":979.93,"end":981.07,"sentiment":"neutral","sentiment_score":0.11153111606836319},{"text":"They'd obviously have all the existing, especially if you're doing the same back.","start":981.53,"end":984.885,"sentiment":"neutral","sentiment_score":0.027927498404796306},{"text":"They've got all the existing dwelling details, talking about what you wanna get out for the equity release and the other one.","start":984.965,"end":991.625,"sentiment":"neutral","sentiment_score":0.01667665388562124}],"sentiment":"neutral","sentiment_score":0.03790734588350777,"num_words":46,"start":978.01,"end":991.625},{"sentences":[{"text":"Do you go through a specific broker or just bank?","start":992.005,"end":994.565,"sentiment":"neutral","sentiment_score":-0.003779683168977499},{"text":"Or Mhmm.","start":994.565,"end":997.8,"sentiment":"neutral","sentiment_score":-0.0031544421799480915},{"text":"Yeah.","start":997.8,"end":998.3,"sentiment":"neutral","sentiment_score":0.00620264932513237},{"text":"Yeah.","start":999.72,"end":999.96,"sentiment":"neutral","sentiment_score":0.015284133143723013},{"text":"It shouldn't take too long to do it, but are you are you trying to get it done before financial year?","start":999.96,"end":1005.64,"sentiment":"neutral","sentiment_score":-0.03434251346403644}],"sentiment":"neutral","sentiment_score":-0.02125176332358803,"num_words":35,"start":992.005,"end":1005.64},{"sentences":[{"text":"Or Yeah.","start":1005.64,"end":1032.63,"sentiment":"neutral","sentiment_score":-0.08472357410937548},{"text":"Yep.","start":1065.635,"end":1066.135,"sentiment":"neutral","sentiment_score":0.21532222628593445},{"text":"And just paying savings on it.","start":1074.29,"end":1076.37,"sentiment":"neutral","sentiment_score":0.1974110926191012},{"text":"Yeah.","start":1076.37,"end":1076.87,"sentiment":"neutral","sentiment_score":0.12490583956241608},{"text":"Yeah.","start":1085.935,"end":1086.255,"sentiment":"neutral","sentiment_score":0.019546668976545337}],"sentiment":"neutral","sentiment_score":0.12498128566552293,"num_words":11,"start":1005.64,"end":1086.255},{"sentences":[{"text":"Exactly right.","start":1086.255,"end":1087.235,"sentiment":"neutral","sentiment_score":-0.007503142580389976},{"text":"Yeah.","start":1107.47,"end":1107.97,"sentiment":"neutral","sentiment_score":-0.2817251682281494},{"text":"Yeah.","start":1128.59,"end":1128.99,"sentiment":"neutral","sentiment_score":-0.009562524035573006},{"text":"And the interest won't have accrued much in between now and financial year anyway.","start":1128.99,"end":1133.25,"sentiment":"neutral","sentiment_score":-0.05305404295878751},{"text":"Yeah.","start":1143.7649,"end":1144.1649,"sentiment":"neutral","sentiment_score":-0.016550034284591675}],"sentiment":"neutral","sentiment_score":-0.056084242796427326,"num_words":19,"start":1086.255,"end":1144.1649},{"sentences":[{"text":"Potentially.","start":1144.1649,"end":1144.6649,"sentiment":"neutral","sentiment_score":0.007132942788302898},{"text":"Because at the end of the day, don't wanna be hiding it in the super where it's locked away until 60 just to avoid that little bit.","start":1144.8049,"end":1152.73,"sentiment":"neutral","sentiment_score":-0.11562127344034336},{"text":"Because that's that's twelve years that you could be accessing that for these other goals.","start":1152.73,"end":1157.07,"sentiment":"neutral","sentiment_score":0.01772587513551116},{"text":"Definitely don't do that.","start":1158.09,"end":1159.39,"sentiment":"negative","sentiment_score":-0.4116164483129978},{"text":"Yeah.","start":1215.975,"end":1216.475,"sentiment":"neutral","sentiment_score":0.09183402359485626}],"sentiment":"neutral","sentiment_score":-0.09173718922344658,"num_words":48,"start":1144.1649,"end":1216.475},{"sentences":[{"text":"Yeah.","start":1239.765,"end":1240.265,"sentiment":"neutral","sentiment_score":-0.015376519411802292},{"text":"Yeah.","start":1250.1001,"end":1250.6001,"sentiment":"neutral","sentiment_score":-0.05610676109790802},{"text":"A few.","start":1250.98,"end":1251.7201,"sentiment":"neutral","sentiment_score":-0.04871518909931183},{"text":"Yeah.","start":1257.945,"end":1258.445,"sentiment":"neutral","sentiment_score":-0.09043221175670624},{"text":"I'm I'm picturing it in my mind at the moment because anytime that you you change the beneficial owner or something, you start to get some issues.","start":1259.7849,"end":1268.2849,"sentiment":"neutral","sentiment_score":-0.17144100147264976}],"sentiment":"neutral","sentiment_score":-0.15275790344458073,"num_words":32,"start":1239.765,"end":1268.2849},{"sentences":[{"text":"What what's gonna happen for you in the future that you're gonna be very careful on is I'll come back to this in a sec.","start":1269.945,"end":1277.3401,"sentiment":"neutral","sentiment_score":-0.22693762958049774},{"text":"So let's say your mother gets the property into you and your sister's name.","start":1277.4801,"end":1281.56,"sentiment":"neutral","sentiment_score":-0.04260883427092007},{"text":"You've now got this other asset that you've got partial ownership.","start":1281.56,"end":1284.62,"sentiment":"neutral","sentiment_score":-0.026445590806278316},{"text":"So now you've got two properties, and let's say you build that extra dwelling, you've now got, say, 2.5.","start":1288.375,"end":1295.355,"sentiment":"neutral","sentiment_score":0.01491227986193017},{"text":"Well, if it's half of the other one, you know what I mean?","start":1295.815,"end":1298.215,"sentiment":"neutral","sentiment_score":-0.027383403207820196}],"sentiment":"neutral","sentiment_score":-0.08089654685974848,"num_words":82,"start":1269.945,"end":1298.215},{"sentences":[{"text":"Three little ones.","start":1298.215,"end":1299.195,"sentiment":"neutral","sentiment_score":-0.014042808984716734},{"text":"You now need to track those three properties.","start":1301.61,"end":1304.0299,"sentiment":"neutral","sentiment_score":-0.029500548727810383},{"text":"You're not gonna be getting away from CGT on one or two of them depending on which ones you move between.","start":1304.33,"end":1313.07,"sentiment":"neutral","sentiment_score":-0.08717607955137889},{"text":"So you have to be very careful with the size and value of them and their ability to appreciate in capital value because you don't wanna be sitting in the one that's gone stagnant.","start":1313.745,"end":1323.765,"sentiment":"neutral","sentiment_score":-0.029381460126708534},{"text":"And the one that doubles, you pay a heap of tax on when you sell it.","start":1324.305,"end":1329.2001,"sentiment":"neutral","sentiment_score":0.19094401830807328}],"sentiment":"neutral","sentiment_score":-0.0006426321796891166,"num_words":82,"start":1298.215,"end":1329.2001},{"sentences":[{"text":"K?","start":1331.42,"end":1331.92,"sentiment":"neutral","sentiment_score":0.11838042736053468},{"text":"So in terms of living situation, because that was big for for you as well, is your mother's home in a place that you can live in there, or are we talking about possibly moving back to the one where you built dwelling on?","start":1332.14,"end":1346.915,"sentiment":"neutral","sentiment_score":0.148307253183289},{"text":"What would be most realistic?","start":1347.695,"end":1348.995,"sentiment":"neutral","sentiment_score":0.0784151554107666},{"text":"Fix up.","start":1410.6799,"end":1411.4199,"sentiment":"neutral","sentiment_score":-0.2304368019104004},{"text":"Yeah.","start":1411.5599,"end":1411.7999,"sentiment":"neutral","sentiment_score":-0.06555615365505219}],"sentiment":"neutral","sentiment_score":0.12282161484911756,"num_words":53,"start":1331.42,"end":1411.7999},{"sentences":[{"text":"But it was fixer upper.","start":1411.7999,"end":1413.1,"sentiment":"neutral","sentiment_score":-0.06970161050558091},{"text":"And your mom's already got it as a rental?","start":1416.215,"end":1418.235,"sentiment":"neutral","sentiment_score":-0.009444430160025755},{"text":"Yeah.","start":1437.27,"end":1437.59,"sentiment":"neutral","sentiment_score":-0.0002879612147808075},{"text":"Because I'm just thinking now straight away to those negative gearing changes.","start":1437.59,"end":1440.97,"sentiment":"neutral","sentiment_score":-0.12703970416138569},{"text":"If you guys get ownership of it and you can prove that it was an investment property, yada yada yada, that might be okay.","start":1441.215,"end":1449.315,"sentiment":"neutral","sentiment_score":0.016863365036745865}],"sentiment":"neutral","sentiment_score":-0.03046179557328715,"num_words":51,"start":1411.7999,"end":1449.315},{"sentences":[{"text":"Yeah.","start":1450.6549,"end":1450.895,"sentiment":"neutral","sentiment_score":-0.00949309766292572},{"text":"Anyway, future things to worry about, but it's little things like that too.","start":1450.895,"end":1455.1549,"sentiment":"neutral","sentiment_score":-0.05898200605924313},{"text":"What you're taking on in your name.","start":1456.25,"end":1458.83,"sentiment":"neutral","sentiment_score":-0.0016619599690394743},{"text":"So you always give me the fun ones.","start":1479.5299,"end":1481.2899,"sentiment":"neutral","sentiment_score":0.21226128283888102},{"text":"I think you give me the most fun ones out of anyone.","start":1481.2899,"end":1483.69,"sentiment":"positive","sentiment_score":0.4900137012203534}],"sentiment":"neutral","sentiment_score":0.1656185800277787,"num_words":41,"start":1450.6549,"end":1483.69},{"sentences":[{"text":"I've got this big this big running document with all the notes that I take from our conversation, and it's a rainbow of different colors that I highlight from it of interesting little tidbits that I can talk to the team about.","start":1483.69,"end":1496.135,"sentiment":"neutral","sentiment_score":0.20363827546437582},{"text":"Yep.","start":1503.875,"end":1504.375,"sentiment":"neutral","sentiment_score":0.07859782129526138},{"text":"Possibly.","start":1528.145,"end":1528.645,"sentiment":"neutral","sentiment_score":-0.03092013299465179},{"text":"I'll have to confirm that because, again, it's all recent changes.","start":1528.785,"end":1533.77,"sentiment":"neutral","sentiment_score":-0.024927908978001637},{"text":"But if it was always used for investment purposes, and I guess that the issue would be taking up any debt.","start":1534.3099,"end":1543.53,"sentiment":"neutral","sentiment_score":-0.034693142044402304}],"sentiment":"neutral","sentiment_score":0.09997002994886746,"num_words":76,"start":1483.69,"end":1543.53},{"sentences":[{"text":"And there's no loans left on it?","start":1549.6549,"end":1552.7949,"sentiment":"neutral","sentiment_score":-0.05805237538048199},{"text":"So then oh, okay.","start":1556.5499,"end":1561.9299,"sentiment":"neutral","sentiment_score":-0.07666648738086224},{"text":"I was just thinking of the idea of borrowing to purchase that property from your mom.","start":1562.3099,"end":1569.21,"sentiment":"neutral","sentiment_score":-0.058229706482961774},{"text":"Yeah.","start":1573.625,"end":1574.025,"sentiment":"neutral","sentiment_score":-0.08338327705860138},{"text":"But that's not gonna work because it's an existing dwelling.","start":1574.025,"end":1576.525,"sentiment":"neutral","sentiment_score":-0.15989261865615845}],"sentiment":"neutral","sentiment_score":-0.08755308801406309,"num_words":38,"start":1549.6549,"end":1576.525},{"sentences":[{"text":"You're not gonna be able to do that.","start":1576.585,"end":1578.205,"sentiment":"neutral","sentiment_score":-0.1474624378606677},{"text":"Because if there's no loan to take over, you won't be able to make it.","start":1578.4249,"end":1581.405,"sentiment":"neutral","sentiment_score":-0.16601932048797607},{"text":"The flip side of things, which is probably a bit more attractive for you, we'll we'll have to keep an eye on the details of your mother's home.","start":1585.08,"end":1592.76,"sentiment":"neutral","sentiment_score":0.02014141928936754},{"text":"Do you know when that's happening?","start":1592.76,"end":1593.88,"sentiment":"neutral","sentiment_score":-0.004647516955931981},{"text":"When she's looking to do that?","start":1593.88,"end":1595.415,"sentiment":"neutral","sentiment_score":-0.008373592669765154}],"sentiment":"neutral","sentiment_score":-0.05054216234693452,"num_words":63,"start":1576.585,"end":1595.415},{"sentences":[{"text":"Right.","start":1618.31,"end":1618.81,"sentiment":"neutral","sentiment_score":-0.12269744277000429},{"text":"Gotcha.","start":1654.115,"end":1654.615,"sentiment":"neutral","sentiment_score":-0.2721833884716034},{"text":"Gotcha.","start":1654.9149,"end":1655.315,"sentiment":"neutral","sentiment_score":-0.1802102029323578},{"text":"Gotcha.","start":1655.315,"end":1655.815,"sentiment":"neutral","sentiment_score":-0.0951099842786789},{"text":"Yeah.","start":1665.89,"end":1666.2899,"sentiment":"neutral","sentiment_score":0.07375922054052353}],"sentiment":"neutral","sentiment_score":-0.11928835958242416,"num_words":5,"start":1618.31,"end":1666.2899},{"sentences":[{"text":"Yep.","start":1666.2899,"end":1666.7899,"sentiment":"neutral","sentiment_score":0.07703274488449097},{"text":"I get you.","start":1667.25,"end":1668.07,"sentiment":"neutral","sentiment_score":0.0010343939065933228},{"text":"Well, on the flip side of things, so you know how we were talking about the the dwelling that you wanna build on on the current property?","start":1671.425,"end":1678.885,"sentiment":"neutral","sentiment_score":0.002031335262236772},{"text":"Do you know how much you would get for that rental once it's built?","start":1680.865,"end":1684.165,"sentiment":"neutral","sentiment_score":0.02598412148654461},{"text":"Gotcha.","start":1716.78,"end":1717.28,"sentiment":"neutral","sentiment_score":-0.3278280794620514}],"sentiment":"neutral","sentiment_score":0.0037159043485703674,"num_words":46,"start":1666.2899,"end":1717.28},{"sentences":[{"text":"Gotcha.","start":1717.42,"end":1717.92,"sentiment":"neutral","sentiment_score":-0.294083833694458},{"text":"Yeah.","start":1725.035,"end":1725.535,"sentiment":"neutral","sentiment_score":-0.01746528595685959},{"text":"Yes.","start":1747.69,"end":1748.19,"sentiment":"neutral","sentiment_score":0.050427649170160294},{"text":"Right.","start":1761.45,"end":1761.95,"sentiment":"neutral","sentiment_score":0.007830850780010223},{"text":"So tonight just to get your head in the mind space of it.","start":1768.01,"end":1771.63,"sentiment":"neutral","sentiment_score":0.15489209529299003}],"sentiment":"neutral","sentiment_score":0.10354744818280726,"num_words":17,"start":1717.42,"end":1771.63},{"sentences":[{"text":"So let's say you're getting $2,000 a month for your hobby business.","start":1771.9299,"end":1779.095,"sentiment":"neutral","sentiment_score":0.16979332827031612},{"text":"That was one of the things that you mentioned possibly for a contract.","start":1780.115,"end":1782.595,"sentiment":"neutral","sentiment_score":0.11475228174374653},{"text":"So let's just use that as an example.","start":1782.595,"end":1784.295,"sentiment":"neutral","sentiment_score":0.09454125724732876},{"text":"24,000 a year, it's about $4.60 a week.","start":1784.675,"end":1788.0,"sentiment":"neutral","sentiment_score":0.05850976472720504},{"text":"Now if you get this dwelling built and there's a loan for that, you're getting $4.50 a week rent, but you're still getting your $4.60 from the hobby.","start":1791.6,"end":1801.86,"sentiment":"neutral","sentiment_score":0.2173602735357625}],"sentiment":"neutral","sentiment_score":0.15709848459000172,"num_words":69,"start":1771.9299,"end":1801.86},{"sentences":[{"text":"So you're getting two sources of income.","start":1802.145,"end":1804.145,"sentiment":"neutral","sentiment_score":0.28126478620937895},{"text":"Does that make sense?","start":1804.145,"end":1805.125,"sentiment":"neutral","sentiment_score":0.17582067847251892},{"text":"So you're gonna get taxed out the arse because you're getting two lots of income on top of your wages.","start":1806.9451,"end":1812.885,"sentiment":"neutral","sentiment_score":0.1676304467022419},{"text":"You're just compounding three lots of income on top of each other.","start":1813.105,"end":1816.165,"sentiment":"neutral","sentiment_score":0.17232668275634447},{"text":"The flip side is just for argument's sake.","start":1819.2101,"end":1822.51,"sentiment":"neutral","sentiment_score":0.04508966952562332}],"sentiment":"neutral","sentiment_score":0.1657526019741507,"num_words":51,"start":1802.145,"end":1822.51},{"sentences":[{"text":"Let's say you build that dwelling and you run the hobby business out of it.","start":1822.65,"end":1827.05,"sentiment":"neutral","sentiment_score":0.13548714816570281},{"text":"And every single thing to do with that hobby business is I need this expense.","start":1827.05,"end":1831.985,"sentiment":"neutral","sentiment_score":0.08038864036401112},{"text":"I need this space, electricity, Internet, whatever it is for the business, and you start tying it in with the business to get lots of deductions, but you've got a loan to repay because you've built it.","start":1832.525,"end":1845.9,"sentiment":"neutral","sentiment_score":0.13229371788533958},{"text":"So you don't get that $4.50, but you can link in to all of the different deductions and things like that.","start":1846.7001,"end":1852.56,"sentiment":"neutral","sentiment_score":0.13923959540469305},{"text":"Kind of two different pathways.","start":1852.62,"end":1854.0,"sentiment":"neutral","sentiment_score":0.04376247376203537}],"sentiment":"neutral","sentiment_score":0.12124568023668822,"num_words":93,"start":1822.65,"end":1854.0},{"sentences":[{"text":"You know what I'm saying?","start":1854.06,"end":1855.2001,"sentiment":"neutral","sentiment_score":0.039759697020053865},{"text":"Like, build the business up within that tax effectively and use that and actually try and grow that thing somewhere or get an extra source of income, but just know that you've now got a third source to be taxed.","start":1858.4751,"end":1869.295,"sentiment":"neutral","sentiment_score":0.27633920181542637},{"text":"Yeah.","start":1888.345,"end":1888.845,"sentiment":"neutral","sentiment_score":-0.04942420497536659},{"text":"Is that to to afford it?","start":1889.945,"end":1892.0449,"sentiment":"neutral","sentiment_score":-0.11061939721306165},{"text":"Yeah.","start":1913.975,"end":1914.475,"sentiment":"neutral","sentiment_score":-0.056305959820747375}],"sentiment":"neutral","sentiment_score":0.1977909435781668,"num_words":53,"start":1854.06,"end":1914.475},{"sentences":[{"text":"Yeah.","start":1924.17,"end":1924.67,"sentiment":"neutral","sentiment_score":-0.09587813168764114},{"text":"Yeah.","start":1943.64,"end":1943.9601,"sentiment":"neutral","sentiment_score":-0.16127771139144895},{"text":"That wouldn't be ideal because alright.","start":1943.9601,"end":1946.6001,"sentiment":"neutral","sentiment_score":-0.3007320413986842},{"text":"So that one that option goes out the window because one of the things that my mind started going to was if you go to that property, build the dwelling, build the business, all of a sudden you start leaning in the next five years towards a bucket company.","start":1946.6001,"end":1961.875,"sentiment":"neutral","sentiment_score":-0.06374690461219573},{"text":"And, you know, trust with a bucket company and all of a sudden everything to do with the rental and the business and everything is all tied into those entities.","start":1962.735,"end":1971.155,"sentiment":"neutral","sentiment_score":-0.04615074594815572}],"sentiment":"neutral","sentiment_score":-0.07551343443578687,"num_words":87,"start":1924.17,"end":1971.155},{"sentences":[{"text":"But if that all stops and all of a sudden you build it and you've got a loan, you've got an expense, and then the income's not coming in, I I wouldn't bother with that.","start":1972.08,"end":1982.16,"sentiment":"neutral","sentiment_score":-0.2706897396062102},{"text":"It could be more of a come back to that in a few years type thing.","start":1982.16,"end":1986.275,"sentiment":"neutral","sentiment_score":-0.2655587298795581},{"text":"Yeah.","start":2007.23,"end":2007.73,"sentiment":"neutral","sentiment_score":0.02639826573431492},{"text":"It's one of those things where yeah.","start":2007.95,"end":2011.815,"sentiment":"neutral","sentiment_score":-0.01845248748681375},{"text":"I think so.","start":2013.395,"end":2014.375,"sentiment":"neutral","sentiment_score":0.04060702522595724}],"sentiment":"neutral","sentiment_score":-0.22103271992396442,"num_words":62,"start":1972.08,"end":2014.375},{"sentences":[{"text":"Yeah.","start":2039.505,"end":2040.005,"sentiment":"neutral","sentiment_score":0.06041431427001953},{"text":"Yeah.","start":2042.305,"end":2042.705,"sentiment":"neutral","sentiment_score":0.06393035501241684},{"text":"Look.","start":2042.705,"end":2042.945,"sentiment":"neutral","sentiment_score":0.08731899410486221},{"text":"It's adding some assets.","start":2042.945,"end":2044.325,"sentiment":"neutral","sentiment_score":0.13239002786576748},{"text":"It can be used in a couple of different ways.","start":2044.705,"end":2046.965,"sentiment":"neutral","sentiment_score":0.20532512813806533}],"sentiment":"neutral","sentiment_score":0.16438088566064835,"num_words":17,"start":2039.505,"end":2046.965},{"sentences":[{"text":"I think you've been leaning in that direction for a while now, so it it definitely makes sense to to give it a go if you think the occupancies there and the figures make sense.","start":2047.345,"end":2059.42,"sentiment":"neutral","sentiment_score":0.18588142735617502},{"text":"Yeah.","start":2077.11,"end":2077.4302,"sentiment":"neutral","sentiment_score":0.03004126623272896},{"text":"Look, Claire, it's it's one of those things with the government.","start":2077.4302,"end":2082.07,"sentiment":"neutral","sentiment_score":-0.04521946490488269},{"text":"They change this legislation.","start":2082.07,"end":2083.21,"sentiment":"neutral","sentiment_score":-0.10676882602274418},{"text":"Everyone's gonna try and figure their way through the weeds a little bit, But we've got a bit better idea about what not to do, which is good.","start":2083.35,"end":2091.465,"sentiment":"neutral","sentiment_score":-0.18330197062875545}],"sentiment":"neutral","sentiment_score":0.006062615544924253,"num_words":79,"start":2047.345,"end":2091.465},{"sentences":[{"text":"Got a bit more leaning in a direction, which is good.","start":2091.925,"end":2095.225,"sentiment":"neutral","sentiment_score":0.20588819682598114},{"text":"And if I come up with any new ideas, I'll I'll give you a call.","start":2095.445,"end":2099.7852,"sentiment":"neutral","sentiment_score":0.19870583415031434},{"text":"And, yeah, there's a few different moving parts you've got between your property and the other ones.","start":2100.09,"end":2107.1501,"sentiment":"neutral","sentiment_score":0.07662629467599533},{"text":"So keep leaning where you're leaning, and things will start to paint the picture over time.","start":2107.37,"end":2112.49,"sentiment":"neutral","sentiment_score":0.17828812031075358},{"text":"And when I come up with some new ideas, I'll let you know.","start":2112.49,"end":2115.195,"sentiment":"neutral","sentiment_score":0.11980077738945301}],"sentiment":"neutral","sentiment_score":0.15219478774815798,"num_words":72,"start":2091.925,"end":2115.195},{"sentences":[{"text":"Cool.","start":2119.915,"end":2120.415,"sentiment":"positive","sentiment_score":0.370181679725647},{"text":"Alright.","start":2120.955,"end":2121.355,"sentiment":"neutral","sentiment_score":0.2916123867034912},{"text":"I will be that's okay.","start":2121.355,"end":2124.155,"sentiment":"neutral","sentiment_score":0.28157961964607237},{"text":"I'll catch you in a few months for review.","start":2124.155,"end":2126.0151,"sentiment":"neutral","sentiment_score":0.15883714788489872},{"text":"End of financial year, we'll just leave that.","start":2127.995,"end":2130.095,"sentiment":"neutral","sentiment_score":0.028993050334975123}],"sentiment":"neutral","sentiment_score":0.15546545409597456,"num_words":24,"start":2119.915,"end":2130.095},{"sentences":[{"text":"Yeah.","start":2143.2551,"end":2143.655,"sentiment":"neutral","sentiment_score":0.025528069585561752},{"text":"Yep.","start":2143.655,"end":2143.895,"sentiment":"neutral","sentiment_score":0.008451621048152447},{"text":"I'm with you.","start":2143.895,"end":2144.875,"sentiment":"neutral","sentiment_score":-0.027750596404075623},{"text":"Yeah.","start":2159.1099,"end":2159.6099,"sentiment":"neutral","sentiment_score":0.11448514461517334},{"text":"I don't think there'd be very much, to be honest.","start":2187.6702,"end":2190.09,"sentiment":"neutral","sentiment_score":-0.09370754268020391}],"sentiment":"neutral","sentiment_score":-0.054491398797836155,"num_words":16,"start":2143.2551,"end":2190.09},{"sentences":[{"text":"I don't think there'd be very much.","start":2191.4302,"end":2193.1301,"sentiment":"neutral","sentiment_score":-0.21525405773094722},{"text":"Yeah.","start":2197.245,"end":2197.565,"sentiment":"neutral","sentiment_score":-0.09803088009357452},{"text":"I don't think you've gotta rush it.","start":2197.565,"end":2199.165,"sentiment":"neutral","sentiment_score":-0.14058992266654968},{"text":"I think Maybe.","start":2199.165,"end":2206.88,"sentiment":"neutral","sentiment_score":-0.09942842399080594},{"text":"Maybe.","start":2209.3398,"end":2209.8398,"sentiment":"neutral","sentiment_score":-0.03925904631614685}],"sentiment":"neutral","sentiment_score":-0.15402542427182198,"num_words":19,"start":2191.4302,"end":2209.8398},{"sentences":[{"text":"Hang on.","start":2210.2998,"end":2211.2,"sentiment":"neutral","sentiment_score":-0.03371688909828663},{"text":"More investment, didn't they?","start":2216.78,"end":2218.5598,"sentiment":"neutral","sentiment_score":0.0017327128443866968},{"text":"Well, your property is yeah.","start":2224.5051,"end":2227.865,"sentiment":"neutral","sentiment_score":0.05112167373299599},{"text":"So this is one of the ones that when you're building it, you're carrying forward a lot of claims for when it does produce an income.","start":2227.865,"end":2235.325,"sentiment":"neutral","sentiment_score":0.03348114971931164},{"text":"So you get all these expenses and capital works that you did to build that rental property.","start":2237.76,"end":2244.5,"sentiment":"neutral","sentiment_score":0.05235177015557008}],"sentiment":"neutral","sentiment_score":0.03621473013319903,"num_words":54,"start":2210.2998,"end":2244.5},{"sentences":[{"text":"Expenses now.","start":2248.335,"end":2249.135,"sentiment":"neutral","sentiment_score":0.2180376648902893},{"text":"You're not reducing your income for this financial year.","start":2249.135,"end":2251.375,"sentiment":"neutral","sentiment_score":0.19831594659222496},{"text":"You're doing it for when it's built and rented.","start":2251.375,"end":2253.875,"sentiment":"neutral","sentiment_score":0.23756870792971718},{"text":"Provided your property is held to produce an assessable income in that year.","start":2258.175,"end":2262.595,"sentiment":"neutral","sentiment_score":0.22121675885640657},{"text":"Yeah.","start":2270.48,"end":2270.98,"sentiment":"neutral","sentiment_score":0.04283451661467552}],"sentiment":"neutral","sentiment_score":0.2140496941831182,"num_words":34,"start":2248.335,"end":2270.98},{"sentences":[{"text":"Loans and borrowing expenses, that can be done over many different years.","start":2271.04,"end":2275.46,"sentiment":"neutral","sentiment_score":0.08708880857254069},{"text":"Advertising for tenants and someone so that comes later.","start":2278.6348,"end":2281.375,"sentiment":"neutral","sentiment_score":0.07669816124770376},{"text":"Council rates and things like that.","start":2285.355,"end":2287.035,"sentiment":"neutral","sentiment_score":0.03797684796154499},{"text":"Yeah.","start":2287.035,"end":2287.535,"sentiment":"neutral","sentiment_score":0.06559526175260544},{"text":"Nothing major.","start":2290.33,"end":2291.15,"sentiment":"neutral","sentiment_score":-0.01568948570638895}],"sentiment":"neutral","sentiment_score":0.06658088440696398,"num_words":30,"start":2271.04,"end":2291.15},{"sentences":[{"text":"Potentially.","start":2308.7449,"end":2309.2449,"sentiment":"neutral","sentiment_score":-0.010773825459182262},{"text":"No.","start":2310.105,"end":2310.605,"sentiment":"neutral","sentiment_score":-0.06588122248649597},{"text":"Not until that place is once that's built, you can you can do some work on it.","start":2312.2,"end":2317.58,"sentiment":"neutral","sentiment_score":-0.01366863794186536},{"text":"Oh, yeah.","start":2328.535,"end":2329.095,"sentiment":"neutral","sentiment_score":0.03107130527496338},{"text":"Yeah.","start":2329.095,"end":2329.255,"sentiment":"neutral","sentiment_score":0.034908927977085114}],"sentiment":"neutral","sentiment_score":-0.009635016110471704,"num_words":22,"start":2308.7449,"end":2329.255},{"sentences":[{"text":"Yeah.","start":2329.255,"end":2329.755,"sentiment":"neutral","sentiment_score":0.049667879939079285},{"text":"Yeah.","start":2337.11,"end":2337.4302,"sentiment":"neutral","sentiment_score":-0.003900578245520592},{"text":"Well, I've been hit with all the repairs on my place, and it's like a new air conditioner and all this kind of thing for that count.","start":2337.4302,"end":2343.29,"sentiment":"neutral","sentiment_score":-0.23636956167993722},{"text":"Do you have do you have an accountant that you can give a call for me, Or you're still looking for one?","start":2344.79,"end":2352.195,"sentiment":"neutral","sentiment_score":-0.037934167733923954},{"text":"Do you have an accountant that you could call for?","start":2352.195,"end":2354.455,"sentiment":"neutral","sentiment_score":-0.02362219486385584}],"sentiment":"neutral","sentiment_score":-0.12142597544999396,"num_words":61,"start":2329.255,"end":2354.455},{"sentences":[{"text":"Alright.","start":2358.515,"end":2359.015,"sentiment":"neutral","sentiment_score":-0.05029773339629173},{"text":"Yeah.","start":2362.75,"end":2363.0698,"sentiment":"neutral","sentiment_score":-0.038053035736083984},{"text":"Right.","start":2363.0698,"end":2363.3098,"sentiment":"neutral","sentiment_score":-0.046089399605989456},{"text":"So I was gonna ask them about the capital all that up, but the capital works for the place that you're building, and the capital works for the listing place, how those two are treated differently.","start":2363.3098,"end":2374.7698,"sentiment":"neutral","sentiment_score":-0.09035128003193273},{"text":"So I can look into it and send you an email, but if we've got someone to call, that'll be quicker.","start":2377.6648,"end":2383.4448,"sentiment":"neutral","sentiment_score":-0.015517722105696088}],"sentiment":"neutral","sentiment_score":-0.06188264023512602,"num_words":60,"start":2358.515,"end":2383.4448},{"sentences":[{"text":"I just don't know off the top of my head.","start":2383.825,"end":2385.6848,"sentiment":"neutral","sentiment_score":-0.17507928162813186},{"text":"Gotcha.","start":2393.44,"end":2393.84,"sentiment":"neutral","sentiment_score":-0.278653085231781},{"text":"Gotcha.","start":2393.84,"end":2394.34,"sentiment":"neutral","sentiment_score":-0.2630264461040497},{"text":"No.","start":2402.7852,"end":2403.105,"sentiment":"neutral","sentiment_score":-0.23688730597496033},{"text":"Okay.","start":2403.105,"end":2403.605,"sentiment":"neutral","sentiment_score":-0.14030024409294128}],"sentiment":"neutral","sentiment_score":-0.19068999269178935,"num_words":14,"start":2383.825,"end":2403.605},{"sentences":[{"text":"What I'll do is I'll do a little bit of research in the next half an hour or so, and I'll put you a little bit of an email about CapitalWorks for the existing or new build.","start":2403.905,"end":2414.0051,"sentiment":"neutral","sentiment_score":0.009343354459348563},{"text":"And that should give you an indication about whether it's worth trying to rush it through now and which ones you'd be able to do.","start":2414.2898,"end":2422.0698,"sentiment":"neutral","sentiment_score":-0.0270778613910079},{"text":"How does that sound?","start":2422.69,"end":2423.67,"sentiment":"neutral","sentiment_score":0.23551486432552338},{"text":"That's okay, Claire.","start":2427.665,"end":2428.805,"sentiment":"positive","sentiment_score":0.4763899048169454},{"text":"Still got your oh, it's my favorite.","start":2430.145,"end":2433.525,"sentiment":"positive","sentiment_score":0.38694217588220325}],"sentiment":"neutral","sentiment_score":0.062481341883540154,"num_words":76,"start":2403.905,"end":2433.525},{"sentences":[{"text":"Gmail still okay for you?","start":2434.625,"end":2436.145,"sentiment":"neutral","sentiment_score":0.15653017461299895},{"text":"Greentree.","start":2436.145,"end":2436.645,"sentiment":"neutral","sentiment_score":0.08596335351467133},{"text":"Greentreeroombroom@Gmail.com.","start":2440.1301,"end":2442.9502,"sentiment":"neutral","sentiment_score":0.0905412584543228},{"text":"Yeah.","start":2445.4102,"end":2445.6501,"sentiment":"neutral","sentiment_score":0.1857952177524567},{"text":"Cool.","start":2445.6501,"end":2445.8901,"sentiment":"positive","sentiment_score":0.35181325674057007}],"sentiment":"neutral","sentiment_score":0.16630710661411285,"num_words":9,"start":2434.625,"end":2445.8901},{"sentences":[{"text":"I'll have a chat with Savi tomorrow when I see him.","start":2445.8901,"end":2448.23,"sentiment":"neutral","sentiment_score":0.1295936473391273},{"text":"That's okay.","start":2451.303,"end":2451.783,"sentiment":"positive","sentiment_score":0.4946894198656082},{"text":"You have a good night, and just put me an email back if you got any questions.","start":2451.783,"end":2455.403,"sentiment":"positive","sentiment_score":0.5076780003659865},{"text":"Thanks, Claire.","start":2459.063,"end":2459.9631,"sentiment":"positive","sentiment_score":0.5473995506763458},{"text":"Bye.","start":2460.663,"end":2461.163,"sentiment":"neutral","sentiment_score":-0.09834307432174684}],"sentiment":"positive","sentiment_score":0.3649057876883131,"num_words":33,"start":2445.8901,"end":2461.163}]}}]},{"alternatives":[{"transcript":"Hey, Tommy. How are you going? Yeah. Look. I'm okay. Thank you for asking. I was ringing up today because I am hoping to have a quick gun with you about, you know, what's going on financially in my little world over here. So I just yeah. Yeah. So I couple of things I wanted to talk about is so I haven't bought that joint because they were they were asking too much, and I was being tired. So, you know, so between the two of us, no one won that one. But, you know, I mean, look, it's it's still on the market. It's still well, as far as I know. But, anyway, I've kind of sort of been umming and ahhing, and I basically still haven't, you know, put my money where my mouth is as far as, like, getting an investment property and therefore offsetting what cash I do have against that loan. So what I have done is I think and I keep think I kinda briefly mentioned it to you anyway was I did get a quote for a build, like, of a of a modular. Yeah. That's yes. So I guess my question is is with the financing of that, like, the when I've spoken to my broker, she has said that they will do, like, a separate loan. I I guess I just wanted to sort of speak to you in regards to, like, the capital gains changes that are coming in. So is is it correct that if I build at this point in time that it will be grandfathered or whatever the terminology is that I won't have to pay capital gains if I sell it? Yeah. Right. Okay. Just like just like, I'm a little bit I'm a bit confused. Sorry. I was with you up until about the last five words. Just like so so you said that, like okay. Sorry. So you said that it with existing properties, can they can carry on being negatively negatively geared? So is there any new is it only new buyers? Yep. Yep. Yep. But not if it's the second dwelling. I work. Oh my god. My brain I'm not picking up what's being put down at all. Sorry. My my my sweet brain's not quite registering. So are you saying that basic basically, if I'm to build on my existing property an ancillary dwelling, I'm only going to be able to negative gear one of them, or none of them until I demolish the other one. Is that what So oh, goodness me. I I I was about to come out with some super colorful language. What a bunch of fuckers. Just just like oh, yeah. Yeah. While they're, you know, like anyway, it doesn't matter. We're trying not to get too political at this time of the day. So I guess my thing is is that I'm kinda trying to suss out. There's a there's a couple of things going on as well, and I just I get trying to work out. So if if I build, like, an ancillary dwelling, would that then like, would we then if I sell it in, you know, I guess, six years, would that have would that that would would that would that still get yeah. Would you still pay the CGT? I mean, if I live there for a year, like, is it is it still that six year old artist? I don't even know what that's. Does that make does that still count, the six year old? Well, as a loan, I would probably go for them at as, like, currently as an investment, but I guess, you know, it would be I mean, I would at some point wanna go and live there. Yes. Yeah. I'm just a little bit bewildered by it all at the minute. Sorry. I just yes. Okay. So okay. So so the base I I guess but I guess the point is is if I'm having to pay extra money, I actually can't use negative gearing on that unless I remove unless I remove yeah. But c c g t is possible. Yep. Yeah. No. No. No. No. It doesn't make sense. Okay. Sorry. I'm just kind of like you know, I I sort of was thinking about all the stuff last night, and I was like, oh, I'll have to give OQ Finance a call because I'm I'm my head's all over the place. So I guess my other question as well was about some super. So I am a little bit concerned that so because I've still got that cash sitting against, like, in a, like, a high tax thing I mean, a high interest loan I mean, thing. A high interest account sort of not touching it. So it's getting taxed. So and I haven't like, in my business, I probably haven't really spent a huge amount. I guess my concern is is that I'm a little bit worried that, like, when I do eventually do my tax, which I've I've I've been avoiding, Not for any specific reason, just because I hate doing tax. I'm, like, I can put, say, like, a bulk amount into my super, can I? And that will and that will reduce, like and that how does that kind of so if I contribute to my super, can I I can use that as like, from my business? So if I take money out of my business account and say I'm paying this towards my super, Can that be deducted? Well, I do get an income from the business. Like, it I don't I my business is quite small. It's more like a you know, like, what they call a hobby. You know? It's it's not yes. Yes. The no. Most definitely not. So so my income from that so, basically, I don't get I don't so it it's quite a good little business in that I don't have a lot of overheads. I don't it doesn't cost me a great deal to to run it and manage it. So a lot of it is you know, there's not a huge amount of deductions. You know, I've got, like, insurance and, you know, like, replacement costs, you know, a little bit of phone and, you know, all the, you know, water and whatnot, but things like that. But how, I guess, like so if if I wanna kind of I try and protect myself from getting some kind of bill from the ATO, Can I put that, like, from my business? Does that make any difference? Is that, like, the business tax and my personal tax, or do they just go together anyway? Yep. Yep. Okay. Yep. Okay. And I guess the only other real way to reduce that is, like, by, like, debits, you know, costs associated with the business. Yeah. Okay. Because I mean, I don't I don't know if I really wanna put it into my suit because, you know, like, I mean, I'd rather have cash in my pocket. Is there any there's no other real sort of alternative? Yep. Well, that's what I'm worrying about. That's kind of why I'm ringing you because, you know, so, like, with me having and that's why I kind of just just out of curiosity, you may or may not know, but, like so I haven't, like, I haven't completed the quote. Like, I haven't signed a quote to get this build, which is, like, a modular. It'll take twelve months. But, like, for a bank to approve that, is it quicker than it would be for, like, a settlement for, like, an existing house? Do you know? Not sure. Yeah. Like I get her barcode. Well, I I yes. I am. And this is yeah. That's yeah. I am. Because I I kind of you know, I've had this in my head. Like, you know, I just feel like a fucking idiot because, like, I haven't actually fucking done anything yet. And, you know, like, you know, I'm kind of, I guess, you know, wanting to, you know, act base you know, act smartly and not get burnt. You know, because I do have additional ink you know, like so I've got my my current income's at about 87 k just from my general employment, then I'm you know, I think my business, like, income has gone you know, like, I've just got an additional contract. So it's probably I'm getting maybe, like, two grand a month. You know? Like but on average, it's been like so what is it like? So the majority of the last twelve months has been what? Say, 1,600 a month. So whatever that adds up to. But, like, you know, so that on top. And then I've had this bank account that's, you know, earning me interest. And so and so I'm even though I'm getting taxed on that, it's still adding to my income. So I'm just sort of like you know, I kinda guess I've been holding off because I haven't really sort of known what the fuck I'm doing. But at the same time, like, I I don't wanna shoot myself in the foot and then have to pay the fucking government any more taxes, especially when I wanna do something anyway. You know? So I'm just sort of, like, now I'm just wondering if I because, I mean, I'm pretty sure, like, any kind of loan, like, for an existing property would take about two months on average. Like, I think it's twenty one days minimum. Like, well no. No. But I'm thinking, like, with costs associated with a bill, it might actually be able to sort of, you know, like, take a whack out of it. I don't know. So No. That's fine. Yeah. Yep. Alright. So I think I'll try and go with that then. And I just I'm gonna bite the bullet and go for it. Because I've also potentially got and I don't know how this will impact my finances and if you can maybe give me any sort of foresight. But my mother has a property in her name. However, she is wanting to put it into myself and my sister's name through either, like, some kind of I don't know what the process is, but, hopefully, we'll only have to pay stamp duty because of her because she's owned it for a long time. So have you got any kind of, like just, again, a heads up for me in regards to because, I mean, if if the value of a that property then goes into, like, my name and we have a 50% thing of it each, I think the property is, you know, potentially worth maybe 600 at the at the most. Do you have any kind of, like, watch out for this? Or is this I mean, do you know what I mean? Like, is that like a how long is a piece of art question? Oh, shit. Yeah. Yeah. Yep. Yep. Yep. Okay. Yes. Yep. Yep. Right. Yep. Well, I would probably say oh god. That's it's a little bit high in the sky at the minute, to be honest. But I would say that the the house my my mother's place is being lived in by this woman who has been there for however long paying absolutely nothing. It's an absolute joke. I don't wanna go into that too much. But, you know, it's kind of, I guess, been somewhat neglected. It is livable. But, you know, and I mean, it's it's a place that I would go and live. I know it would be a hard place house to sort of go to just because it's got water tanks and pumps and, you know, and, yeah, she's a fixer upper. So I guess if you you could call yeah. Yes. Yes. It is a rental, but it's, you know, it's it's a I don't even know what kind of agreement you would call it, but, yes, it was a rental, like a private rental. But prior to that, it was just a verbal agreement. So Yeah. Well, that's kind of why I'm sort of asking the question because I'm obviously your finance guy who, you know, is is the is the the person who I'm ring and, you know, it's like, Tommy. Tommy, what do I do? Yeah. Yeah. Oh, well, that's good. That's good. I'm glad to be a case model a case study. So so yeah. So I guess in that, like, question so so you're saying that if the property has always been a investment, we could potentially, even if it's changed into our names, they used to do negative gear. Possibly. Yeah. Well, it wasn't it wasn't always. We we did used to live there, but no one in the family's lived there in the last six years. No. There's no loans on it. No. Borrowing to purchase. Okay. No. Alright. So I think so, basically, between, you know, between you and I and the wall, Tommy, the only reason that my mother is wanting to flip it to us as her daughters is because the government has taken her pension off her. So regardless of the fact that she's really received no income for it, predominantly over the last ten years or more, yeah, because of its value, it's and it's her like, she owns both her primary residence and that property as, like, she has paid for that, you know, like, however many years ago now. So but because of the value of it, it's gone up, and so it's impacting her pension. So that is the only reason that she is wanting to flick it into our names, not because we will actually do something positive with it potentially. But that's beside the point. I'm trying not to dwell on that thing. But yeah. Sorry. Yep. Well, I reckon we would probably get maybe well, yeah. I reckon, like, maybe $4.50. And that would probably be at a high, like, probably because it would only be, like, a little two bedroom. You know? And when I say it because of the current, like, it's it's be gone it's gonna be an ancillary building, so it's it's only allowed to be, like, 70 square meters. So it's not gonna be a big it's not a big joint, you know, which is kind of a fucking rip off. But anyway, like, you know and it's like 300 and you know? So it's like 360 odd thousand for a, you know, 70 odd square meter modular home, but which includes all the, like, approvals and things like that. So, like, through a build up. But, you know, but quite expensive really considering what the actual building is. So the I reckon, like, at the absolute most, I reckon we'd possibly get, like, $4.50. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Okay. Okay. Okay. Alright. Well, I I think well, because the thing is, I guess, if I actually go and live there, I would probably my my business would either have to be sold or dissolved. So I guess no. Well, because if I was to go and live in that in that dwelling, you know, the new build in the exist like, the new build would it would be like, I would have to, I guess, recreate my business from the ground up again. Because it's a it's a plant hire business. It's not like so, you know, the offices that I have here in Broome that I go and do plant maintenance for, you know, they are in Broome. So unless I, you know, am flying in and flying out, which wouldn't be all bad, that I would probably have to you know, if I I'd either have to sell or dissolve my business. Yeah. Yeah. Okay. So I guess, like, I guess but if there was some, like so say, for example, that say it was somewhere where I could build my business up, I could then go ahead and do that. Like, I could sort of contemplate doing that. Anyway, we might need to leave that one for a minute. Okay. Alright. Well, I think I'll possibly gonna, you know because it's I think I'll just jump on this, like, you know, second building, ancillary building. I think it'll I think they took take about twelve months to actually build anyway. Yeah. Yep. Yeah. Yeah. Okay. Alright. Well, I mean yeah. Okay. Thank you. I think I I don't know. I still am like a confused little deer in the headlights over here, but that's I appreciate your yeah. Yeah. Alright. That sounds good, Tommy. Alright. Go, Jane. Alright. Thanks, mate. You have a good afternoon. Sorry. Really, with as far as super anyway, look, well, I don't really wanna throw away my super. I'd rather put it like, I'd rather have access to it. So I think that's you know, if I can potentially sort of, you know, get this rushed through and I mean, it's not like it's being rushed through. I've been, you know, sort of looking at it for months, but, you know, obviously, it's now at that time at end of year. You know, I'm just like and I just wanna be able to sort of, you know, I guess like, what what kind of sort of like, if that can be sort of, say, approved, like, within, you know, the four weeks, I mean, what kind of tax stuff can I like, stamp duty and things like that or whatever what kind of monies would I be sort of looking at even being able to, you know, use as deductions against my personal tax? Yeah. Yeah. Right. So what if so what about, like, no so so even, like, fees for, like, council approvals and things like that? Maybe. Okay. Mhmm. Yep. Okay. Okay. So no no need to hurry. Not gonna make any difference anyway. Okay. I'm guessing maybe the only other thing is. Yeah. Okay. And the other thing I can think would be to actually, you know, like like, fix a shed or something, like, a small renovation. I don't know if that would no? What about the existing one? Like, the existing one that's in my name? Like, if I was to say, like, put a, you know, brand new $10,000 oven in there, is that is that tax deductible? Because it's an investment. Must be. Right? Yeah. Sorry? Accountant. No. I have an account I've just got a I've just got a tax accountant. Okay. Yeah. No. Well, I don't have an accountant as such. So, yeah, it's just my regular tax accountant, and they don't give any advice. Yep. Yep. Yeah. Yeah. That sounds great. Okay. Thank you. Thanks for that, Tony. Alright. I love a good brainstorm, mate. Thank you. I green. Yep. Green tree. Yep. Yep. That's it. No. I appreciate that. I appreciate that a lot. Thank you for your time. Cheers. Okay. Thank you. Thanks, Tommy. 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Tommy. How are you going? Yeah. Look. I'm okay.\n\nThank you for asking. I was ringing up today because I am hoping to have a quick gun with you about, you know, what's going on financially in my little world over here. So I just yeah. Yeah. So I couple of things I wanted to talk about is so I haven't bought that joint because they were they were asking too much, and I was being tired.\n\nSo, you know, so between the two of us, no one won that one. But, you know, I mean, look, it's it's still on the market. It's still well, as far as I know. But, anyway, I've kind of sort of been umming and ahhing, and I basically still haven't, you know, put my money where my mouth is as far as, like, getting an investment property and therefore offsetting what cash I do have against that loan. So what I have done is I think and I keep think I kinda briefly mentioned it to you anyway was I did get a quote for a build, like, of a of a modular.\n\nYeah. That's yes. So I guess my question is is with the financing of that, like, the when I've spoken to my broker, she has said that they will do, like, a separate loan. I I guess I just wanted to sort of speak to you in regards to, like, the capital gains changes that are coming in. So is is it correct that if I build at this point in time that it will be grandfathered or whatever the terminology is that I won't have to pay capital gains if I sell it?\n\nYeah. Right. Okay. Just like just like, I'm a little bit I'm a bit confused. Sorry.\n\nI was with you up until about the last five words. Just like so so you said that, like okay. Sorry. So you said that it with existing properties, can they can carry on being negatively negatively geared? So is there any new is it only new buyers?\n\nYep. Yep. Yep. But not if it's the second dwelling. I work.\n\nOh my god. My brain I'm not picking up what's being put down at all. Sorry. My my my sweet brain's not quite registering. So are you saying that basic basically, if I'm to build on my existing property an ancillary dwelling, I'm only going to be able to negative gear one of them, or none of them until I demolish the other one.\n\nIs that what So oh, goodness me. I I I was about to come out with some super colorful language. What a bunch of fuckers. Just just like oh, yeah. Yeah.\n\nWhile they're, you know, like anyway, it doesn't matter. We're trying not to get too political at this time of the day. So I guess my thing is is that I'm kinda trying to suss out. There's a there's a couple of things going on as well, and I just I get trying to work out. So if if I build, like, an ancillary dwelling, would that then like, would we then if I sell it in, you know, I guess, six years, would that have would that that would would that would that still get yeah.\n\nWould you still pay the CGT? I mean, if I live there for a year, like, is it is it still that six year old artist? I don't even know what that's. Does that make does that still count, the six year old? Well, as a loan, I would probably go for them at as, like, currently as an investment, but I guess, you know, it would be I mean, I would at some point wanna go and live there.\n\nYes. Yeah. I'm just a little bit bewildered by it all at the minute. Sorry. I just yes.\n\nOkay. So okay. So so the base I I guess but I guess the point is is if I'm having to pay extra money, I actually can't use negative gearing on that unless I remove unless I remove yeah. But c c g t is possible. Yep.\n\nYeah. No. No. No. No.\n\nIt doesn't make sense. Okay. Sorry. I'm just kind of like you know, I I sort of was thinking about all the stuff last night, and I was like, oh, I'll have to give OQ Finance a call because I'm I'm my head's all over the place. So I guess my other question as well was about some super.\n\nSo I am a little bit concerned that so because I've still got that cash sitting against, like, in a, like, a high tax thing I mean, a high interest loan I mean, thing. A high interest account sort of not touching it. So it's getting taxed. So and I haven't like, in my business, I probably haven't really spent a huge amount. I guess my concern is is that I'm a little bit worried that, like, when I do eventually do my tax, which I've I've I've been avoiding, Not for any specific reason, just because I hate doing tax.\n\nI'm, like, I can put, say, like, a bulk amount into my super, can I? And that will and that will reduce, like and that how does that kind of so if I contribute to my super, can I I can use that as like, from my business? So if I take money out of my business account and say I'm paying this towards my super, Can that be deducted? Well, I do get an income from the business. Like, it I don't I my business is quite small.\n\nIt's more like a you know, like, what they call a hobby. You know? It's it's not yes. Yes. The no.\n\nMost definitely not. So so my income from that so, basically, I don't get I don't so it it's quite a good little business in that I don't have a lot of overheads. I don't it doesn't cost me a great deal to to run it and manage it. So a lot of it is you know, there's not a huge amount of deductions. You know, I've got, like, insurance and, you know, like, replacement costs, you know, a little bit of phone and, you know, all the, you know, water and whatnot, but things like that.\n\nBut how, I guess, like so if if I wanna kind of I try and protect myself from getting some kind of bill from the ATO, Can I put that, like, from my business? Does that make any difference? Is that, like, the business tax and my personal tax, or do they just go together anyway? Yep. Yep.\n\nOkay. Yep. Okay. And I guess the only other real way to reduce that is, like, by, like, debits, you know, costs associated with the business. Yeah.\n\nOkay. Because I mean, I don't I don't know if I really wanna put it into my suit because, you know, like, I mean, I'd rather have cash in my pocket. Is there any there's no other real sort of alternative? Yep. Well, that's what I'm worrying about.\n\nThat's kind of why I'm ringing you because, you know, so, like, with me having and that's why I kind of just just out of curiosity, you may or may not know, but, like so I haven't, like, I haven't completed the quote. Like, I haven't signed a quote to get this build, which is, like, a modular. It'll take twelve months. But, like, for a bank to approve that, is it quicker than it would be for, like, a settlement for, like, an existing house? Do you know?\n\nNot sure. Yeah. Like I get her barcode. Well, I I yes. I am.\n\nAnd this is yeah. That's yeah. I am. Because I I kind of you know, I've had this in my head. Like, you know, I just feel like a fucking idiot because, like, I haven't actually fucking done anything yet.\n\nAnd, you know, like, you know, I'm kind of, I guess, you know, wanting to, you know, act base you know, act smartly and not get burnt. You know, because I do have additional ink you know, like so I've got my my current income's at about 87 k just from my general employment, then I'm you know, I think my business, like, income has gone you know, like, I've just got an additional contract. So it's probably I'm getting maybe, like, two grand a month. You know? Like but on average, it's been like so what is it like?\n\nSo the majority of the last twelve months has been what? Say, 1,600 a month. So whatever that adds up to. But, like, you know, so that on top. And then I've had this bank account that's, you know, earning me interest.\n\nAnd so and so I'm even though I'm getting taxed on that, it's still adding to my income. So I'm just sort of like you know, I kinda guess I've been holding off because I haven't really sort of known what the fuck I'm doing. But at the same time, like, I I don't wanna shoot myself in the foot and then have to pay the fucking government any more taxes, especially when I wanna do something anyway. You know? So I'm just sort of, like, now I'm just wondering if I because, I mean, I'm pretty sure, like, any kind of loan, like, for an existing property would take about two months on average.\n\nLike, I think it's twenty one days minimum. Like, well no. No. But I'm thinking, like, with costs associated with a bill, it might actually be able to sort of, you know, like, take a whack out of it. I don't know.\n\nSo No. That's fine. Yeah. Yep. Alright.\n\nSo I think I'll try and go with that then. And I just I'm gonna bite the bullet and go for it. Because I've also potentially got and I don't know how this will impact my finances and if you can maybe give me any sort of foresight. But my mother has a property in her name. However, she is wanting to put it into myself and my sister's name through either, like, some kind of I don't know what the process is, but, hopefully, we'll only have to pay stamp duty because of her because she's owned it for a long time.\n\nSo have you got any kind of, like just, again, a heads up for me in regards to because, I mean, if if the value of a that property then goes into, like, my name and we have a 50% thing of it each, I think the property is, you know, potentially worth maybe 600 at the at the most. Do you have any kind of, like, watch out for this? Or is this I mean, do you know what I mean? Like, is that like a how long is a piece of art question? Oh, shit.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nOkay. Yes. Yep. Yep. Right.\n\nYep. Well, I would probably say oh god. That's it's a little bit high in the sky at the minute, to be honest. But I would say that the the house my my mother's place is being lived in by this woman who has been there for however long paying absolutely nothing. It's an absolute joke.\n\nI don't wanna go into that too much. But, you know, it's kind of, I guess, been somewhat neglected. It is livable. But, you know, and I mean, it's it's a place that I would go and live. I know it would be a hard place house to sort of go to just because it's got water tanks and pumps and, you know, and, yeah, she's a fixer upper.\n\nSo I guess if you you could call yeah. Yes. Yes. It is a rental, but it's, you know, it's it's a I don't even know what kind of agreement you would call it, but, yes, it was a rental, like a private rental. But prior to that, it was just a verbal agreement.\n\nSo Yeah. Well, that's kind of why I'm sort of asking the question because I'm obviously your finance guy who, you know, is is the is the the person who I'm ring and, you know, it's like, Tommy. Tommy, what do I do? Yeah. Yeah.\n\nOh, well, that's good. That's good. I'm glad to be a case model a case study. So so yeah. So I guess in that, like, question so so you're saying that if the property has always been a investment, we could potentially, even if it's changed into our names, they used to do negative gear.\n\nPossibly. Yeah. Well, it wasn't it wasn't always. We we did used to live there, but no one in the family's lived there in the last six years. No.\n\nThere's no loans on it. No. Borrowing to purchase. Okay. No.\n\nAlright. So I think so, basically, between, you know, between you and I and the wall, Tommy, the only reason that my mother is wanting to flip it to us as her daughters is because the government has taken her pension off her. So regardless of the fact that she's really received no income for it, predominantly over the last ten years or more, yeah, because of its value, it's and it's her like, she owns both her primary residence and that property as, like, she has paid for that, you know, like, however many years ago now. So but because of the value of it, it's gone up, and so it's impacting her pension. So that is the only reason that she is wanting to flick it into our names, not because we will actually do something positive with it potentially.\n\nBut that's beside the point. I'm trying not to dwell on that thing. But yeah. Sorry. Yep.\n\nWell, I reckon we would probably get maybe well, yeah. I reckon, like, maybe $4.50. And that would probably be at a high, like, probably because it would only be, like, a little two bedroom. You know? And when I say it because of the current, like, it's it's be gone it's gonna be an ancillary building, so it's it's only allowed to be, like, 70 square meters.\n\nSo it's not gonna be a big it's not a big joint, you know, which is kind of a fucking rip off. But anyway, like, you know and it's like 300 and you know? So it's like 360 odd thousand for a, you know, 70 odd square meter modular home, but which includes all the, like, approvals and things like that. So, like, through a build up. But, you know, but quite expensive really considering what the actual building is.\n\nSo the I reckon, like, at the absolute most, I reckon we'd possibly get, like, $4.50. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Okay. Okay.\n\nOkay. Alright. Well, I I think well, because the thing is, I guess, if I actually go and live there, I would probably my my business would either have to be sold or dissolved. So I guess no. Well, because if I was to go and live in that in that dwelling, you know, the new build in the exist like, the new build would it would be like, I would have to, I guess, recreate my business from the ground up again.\n\nBecause it's a it's a plant hire business. It's not like so, you know, the offices that I have here in Broome that I go and do plant maintenance for, you know, they are in Broome. So unless I, you know, am flying in and flying out, which wouldn't be all bad, that I would probably have to you know, if I I'd either have to sell or dissolve my business. Yeah. Yeah.\n\nOkay. So I guess, like, I guess but if there was some, like so say, for example, that say it was somewhere where I could build my business up, I could then go ahead and do that. Like, I could sort of contemplate doing that. Anyway, we might need to leave that one for a minute. Okay.\n\nAlright. Well, I think I'll possibly gonna, you know because it's I think I'll just jump on this, like, you know, second building, ancillary building. I think it'll I think they took take about twelve months to actually build anyway. Yeah. Yep.\n\nYeah. Yeah. Okay. Alright. Well, I mean yeah.\n\nOkay. Thank you. I think I I don't know. I still am like a confused little deer in the headlights over here, but that's I appreciate your yeah. Yeah.\n\nAlright. That sounds good, Tommy. Alright. Go, Jane. Alright.\n\nThanks, mate. You have a good afternoon. Sorry. Really, with as far as super anyway, look, well, I don't really wanna throw away my super. I'd rather put it like, I'd rather have access to it.\n\nSo I think that's you know, if I can potentially sort of, you know, get this rushed through and I mean, it's not like it's being rushed through. I've been, you know, sort of looking at it for months, but, you know, obviously, it's now at that time at end of year. You know, I'm just like and I just wanna be able to sort of, you know, I guess like, what what kind of sort of like, if that can be sort of, say, approved, like, within, you know, the four weeks, I mean, what kind of tax stuff can I like, stamp duty and things like that or whatever what kind of monies would I be sort of looking at even being able to, you know, use as deductions against my personal tax? Yeah. Yeah.\n\nRight. So what if so what about, like, no so so even, like, fees for, like, council approvals and things like that? Maybe. Okay. Mhmm.\n\nYep. Okay. Okay. So no no need to hurry. Not gonna make any difference anyway.\n\nOkay. I'm guessing maybe the only other thing is. Yeah. Okay. And the other thing I can think would be to actually, you know, like like, fix a shed or something, like, a small renovation.\n\nI don't know if that would no? What about the existing one? Like, the existing one that's in my name? Like, if I was to say, like, put a, you know, brand new $10,000 oven in there, is that is that tax deductible? Because it's an investment.\n\nMust be. Right? Yeah. Sorry? Accountant.\n\nNo. I have an account I've just got a I've just got a tax accountant. Okay. Yeah. No.\n\nWell, I don't have an accountant as such. So, yeah, it's just my regular tax accountant, and they don't give any advice. Yep. Yep. Yeah.\n\nYeah. That sounds great. Okay. Thank you. Thanks for that, Tony.\n\nAlright. I love a good brainstorm, mate. Thank you. I green. Yep.\n\nGreen tree. Yep. Yep. That's it. No.\n\nI appreciate that. I appreciate that a lot. Thank you for your time. Cheers. Okay.\n\nThank you. Thanks, Tommy. Have a goodbye.","paragraphs":[{"sentences":[{"text":"Hey, Tommy.","start":1.5999999,"end":2.32,"sentiment":"neutral","sentiment_score":0.21650581061840057},{"text":"How are you going?","start":2.32,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.25615743175148964},{"text":"Yeah.","start":7.3599997,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.26224809885025024},{"text":"Look.","start":7.7599998,"end":8.24,"sentiment":"neutral","sentiment_score":0.2231136709451675},{"text":"I'm okay.","start":8.24,"end":9.059999,"sentiment":"positive","sentiment_score":0.3397863358259201}],"sentiment":"neutral","sentiment_score":0.26225757896900176,"num_words":10,"start":1.5999999,"end":9.059999},{"sentences":[{"text":"Thank you for asking.","start":9.12,"end":10.5,"sentiment":"positive","sentiment_score":0.5674406588077545},{"text":"I was ringing up today because I am hoping to have a quick gun with you about, you know, what's going on financially in my little world over here.","start":10.96,"end":24.835,"sentiment":"neutral","sentiment_score":0.04853990789631318},{"text":"So I just yeah.","start":25.695,"end":27.539999,"sentiment":"neutral","sentiment_score":0.05985456611961126},{"text":"Yeah.","start":27.539999,"end":28.039999,"sentiment":"neutral","sentiment_score":0.044333793222904205},{"text":"So I couple of things I wanted to talk about is so I haven't bought that joint because they were they were asking too much, and I was being tired.","start":28.18,"end":43.325,"sentiment":"neutral","sentiment_score":-0.15498600273082655}],"sentiment":"neutral","sentiment_score":-0.010123647941166864,"num_words":68,"start":9.12,"end":43.325},{"sentences":[{"text":"So, you know, so between the two of us, no one won that one.","start":46.025,"end":50.845,"sentiment":"neutral","sentiment_score":-0.12392538945589747},{"text":"But, you know, I mean, look, it's it's still on the market.","start":52.600002,"end":56.28,"sentiment":"neutral","sentiment_score":-0.0411272244527936},{"text":"It's still well, as far as I know.","start":56.28,"end":58.54,"sentiment":"neutral","sentiment_score":0.046021304558962584},{"text":"But, anyway, I've kind of sort of been umming and ahhing, and I basically still haven't, you know, put my money where my mouth is as far as, like, getting an investment property and therefore offsetting what cash I do have against that loan.","start":58.6,"end":77.945,"sentiment":"neutral","sentiment_score":-0.11548742508007721},{"text":"So what I have done is I think and I keep think I kinda briefly mentioned it to you anyway was I did get a quote for a build, like, of a of a modular.","start":78.36,"end":90.62,"sentiment":"neutral","sentiment_score":0.03180202570344721}],"sentiment":"neutral","sentiment_score":-0.05158130542696577,"num_words":113,"start":46.025,"end":90.62},{"sentences":[{"text":"Yeah.","start":92.44,"end":92.76,"sentiment":"neutral","sentiment_score":0.03158622980117798},{"text":"That's yes.","start":92.76,"end":94.655,"sentiment":"neutral","sentiment_score":0.04187525250017643},{"text":"So I guess my question is is with the financing of that, like, the when I've spoken to my broker, she has said that they will do, like, a separate loan.","start":95.915,"end":113.57,"sentiment":"neutral","sentiment_score":-0.005463350744497391},{"text":"I I guess I just wanted to sort of speak to you in regards to, like, the capital gains changes that are coming in.","start":115.71001,"end":124.534996,"sentiment":"neutral","sentiment_score":-0.0015803432712952297},{"text":"So is is it correct that if I build at this point in time that it will be grandfathered or whatever the terminology is that I won't have to pay capital gains if I sell it?","start":124.534996,"end":146.51999,"sentiment":"neutral","sentiment_score":-0.03527143933913774}],"sentiment":"neutral","sentiment_score":-0.014486459499978005,"num_words":94,"start":92.44,"end":146.51999},{"sentences":[{"text":"Yeah.","start":187.81499,"end":188.135,"sentiment":"neutral","sentiment_score":-0.029628392308950424},{"text":"Right.","start":188.135,"end":188.635,"sentiment":"neutral","sentiment_score":-0.04900673404335976},{"text":"Okay.","start":195.62001,"end":196.02,"sentiment":"neutral","sentiment_score":-0.09780045598745346},{"text":"Just like just like, I'm a little bit I'm a bit confused.","start":196.02,"end":198.84001,"sentiment":"negative","sentiment_score":-0.33831745634476346},{"text":"Sorry.","start":199.70001,"end":200.20001,"sentiment":"neutral","sentiment_score":-0.1983739584684372}],"sentiment":"neutral","sentiment_score":-0.27716368855908513,"num_words":16,"start":187.81499,"end":200.20001},{"sentences":[{"text":"I was with you up until about the last five words.","start":200.58,"end":205.48001,"sentiment":"neutral","sentiment_score":-0.11118698391047391},{"text":"Just like so so you said that, like okay.","start":206.42001,"end":211.22499,"sentiment":"neutral","sentiment_score":-0.12560879935820898},{"text":"Sorry.","start":211.22499,"end":211.72499,"sentiment":"neutral","sentiment_score":-0.14996320009231567},{"text":"So you said that it with existing properties, can they can carry on being negatively negatively geared?","start":212.265,"end":221.86499,"sentiment":"neutral","sentiment_score":-0.17703093413044424},{"text":"So is there any new is it only new buyers?","start":221.86499,"end":225.90001,"sentiment":"neutral","sentiment_score":-0.08309355825185775}],"sentiment":"neutral","sentiment_score":-0.13216584750140706,"num_words":48,"start":200.58,"end":225.90001},{"sentences":[{"text":"Yep.","start":234.44,"end":234.94,"sentiment":"neutral","sentiment_score":-0.05246192216873169},{"text":"Yep.","start":237.22499,"end":237.72499,"sentiment":"neutral","sentiment_score":-0.08391325175762177},{"text":"Yep.","start":244.98499,"end":245.22499,"sentiment":"neutral","sentiment_score":-0.026437563821673393},{"text":"But not if it's the second dwelling.","start":245.22499,"end":247.325,"sentiment":"neutral","sentiment_score":-0.12158138251730374},{"text":"I work.","start":258.34,"end":259.08,"sentiment":"neutral","sentiment_score":-0.03427944891154766}],"sentiment":"neutral","sentiment_score":-0.0902034427660207,"num_words":12,"start":234.44,"end":259.08},{"sentences":[{"text":"Oh my god.","start":266.415,"end":272.255,"sentiment":"negative","sentiment_score":-0.5008536676565806},{"text":"My brain I'm not picking up what's being put down at all.","start":272.255,"end":276.195,"sentiment":"negative","sentiment_score":-0.5084850465257963},{"text":"Sorry.","start":276.975,"end":277.475,"sentiment":"neutral","sentiment_score":-0.2890017032623291},{"text":"My my my sweet brain's not quite registering.","start":277.535,"end":282.59998,"sentiment":"neutral","sentiment_score":-0.2569145429879427},{"text":"So are you saying that basic basically, if I'm to build on my existing property an ancillary dwelling, I'm only going to be able to negative gear one of them, or none of them until I demolish the other one.","start":283.3,"end":316.78,"sentiment":"neutral","sentiment_score":-0.20484864711761475}],"sentiment":"neutral","sentiment_score":-0.28347883583046496,"num_words":64,"start":266.415,"end":316.78},{"sentences":[{"text":"Is that what So oh, goodness me.","start":323.585,"end":343.74,"sentiment":"neutral","sentiment_score":-0.17994777964694159},{"text":"I I I was about to come out with some super colorful language.","start":343.74,"end":348.16,"sentiment":"neutral","sentiment_score":-0.08727066534069869},{"text":"What a bunch of fuckers.","start":353.155,"end":354.695,"sentiment":"negative","sentiment_score":-0.8551510334014892},{"text":"Just just like oh, yeah.","start":356.755,"end":360.595,"sentiment":"neutral","sentiment_score":-0.10457213968038559},{"text":"Yeah.","start":360.595,"end":360.995,"sentiment":"neutral","sentiment_score":-0.02762647531926632}],"sentiment":"neutral","sentiment_score":-0.23291598218342952,"num_words":31,"start":323.585,"end":360.995},{"sentences":[{"text":"While they're, you know, like anyway, it doesn't matter.","start":360.995,"end":363.635,"sentiment":"neutral","sentiment_score":-0.1163797817296452},{"text":"We're trying not to get too political at this time of the day.","start":363.635,"end":366.69,"sentiment":"negative","sentiment_score":-0.3563791926090534},{"text":"So I guess my thing is is that I'm kinda trying to suss out.","start":371.57,"end":377.17,"sentiment":"neutral","sentiment_score":-0.1933135555258819},{"text":"There's a there's a couple of things going on as well, and I just I get trying to work out.","start":377.17,"end":383.135,"sentiment":"neutral","sentiment_score":-0.0959543464705348},{"text":"So if if I build, like, an ancillary dwelling, would that then like, would we then if I sell it in, you know, I guess, six years, would that have would that that would would that would that still get yeah.","start":387.115,"end":413.32498,"sentiment":"neutral","sentiment_score":-0.06095039521957316}],"sentiment":"neutral","sentiment_score":-0.13200814897175303,"num_words":97,"start":360.995,"end":413.32498},{"sentences":[{"text":"Would you still pay the CGT?","start":413.32498,"end":414.865,"sentiment":"neutral","sentiment_score":-0.09529949973026912},{"text":"I mean, if I live there for a year, like, is it is it still that six year old artist?","start":417.005,"end":421.505,"sentiment":"neutral","sentiment_score":-0.11313327513635159},{"text":"I don't even know what that's.","start":422.925,"end":424.32,"sentiment":"neutral","sentiment_score":-0.314487561583519},{"text":"Does that make does that still count, the six year old?","start":424.4,"end":427.78,"sentiment":"neutral","sentiment_score":-0.15829547426917337},{"text":"Well, as a loan, I would probably go for them at as, like, currently as an investment, but I guess, you know, it would be I mean, I would at some point wanna go and live there.","start":438.865,"end":449.985,"sentiment":"neutral","sentiment_score":0.05946066628235418}],"sentiment":"neutral","sentiment_score":-0.053282417939044535,"num_words":80,"start":413.32498,"end":449.985},{"sentences":[{"text":"Yes.","start":449.985,"end":450.39,"sentiment":"neutral","sentiment_score":0.07733913511037827},{"text":"Yeah.","start":456.31003,"end":456.47,"sentiment":"neutral","sentiment_score":0.005302423611283302},{"text":"I'm just a little bit bewildered by it all at the minute.","start":456.47,"end":459.51,"sentiment":"neutral","sentiment_score":-0.3234758408119281},{"text":"Sorry.","start":459.51,"end":459.91,"sentiment":"neutral","sentiment_score":-0.220359206199646},{"text":"I just yes.","start":459.91,"end":470.645,"sentiment":"neutral","sentiment_score":-0.06221896161635717}],"sentiment":"neutral","sentiment_score":-0.23367136789278853,"num_words":18,"start":449.985,"end":470.645},{"sentences":[{"text":"Okay.","start":490.24,"end":490.64,"sentiment":"neutral","sentiment_score":0.20189370214939115},{"text":"So okay.","start":490.64,"end":496.965,"sentiment":"neutral","sentiment_score":0.10153473820537329},{"text":"So so the base I I guess but I guess the point is is if I'm having to pay extra money, I actually can't use negative gearing on that unless I remove unless I remove yeah.","start":496.965,"end":513.10004,"sentiment":"neutral","sentiment_score":-0.07104597602867418},{"text":"But c c g t is possible.","start":515.16003,"end":523.485,"sentiment":"neutral","sentiment_score":0.019864199150885855},{"text":"Yep.","start":532.185,"end":532.685,"sentiment":"neutral","sentiment_score":0.08219678699970245}],"sentiment":"neutral","sentiment_score":-0.041094591008855944,"num_words":47,"start":490.24,"end":532.685},{"sentences":[{"text":"Yeah.","start":546.51,"end":547.01,"sentiment":"neutral","sentiment_score":-0.0941157042980194},{"text":"No.","start":552.615,"end":553.115,"sentiment":"negative","sentiment_score":-0.3402137756347656},{"text":"No.","start":553.89496,"end":554.39496,"sentiment":"negative","sentiment_score":-0.4322907924652099},{"text":"No.","start":558.295,"end":558.375,"sentiment":"negative","sentiment_score":-0.5500942468643188},{"text":"No.","start":558.375,"end":558.875,"sentiment":"negative","sentiment_score":-0.6153891682624817}],"sentiment":"negative","sentiment_score":-0.4064207375049591,"num_words":5,"start":546.51,"end":558.875},{"sentences":[{"text":"It doesn't make sense.","start":558.935,"end":560.075,"sentiment":"negative","sentiment_score":-0.5748620927333832},{"text":"Okay.","start":561.12994,"end":561.62994,"sentiment":"neutral","sentiment_score":-0.1309455633163452},{"text":"Sorry.","start":564.32996,"end":564.82996,"sentiment":"neutral","sentiment_score":-0.1858404576778412},{"text":"I'm just kind of like you know, I I sort of was thinking about all the stuff last night, and I was like, oh, I'll have to give OQ Finance a call because I'm I'm my head's all over the place.","start":565.05,"end":575.84503,"sentiment":"neutral","sentiment_score":-0.1096475721314186},{"text":"So I guess my other question as well was about some super.","start":578.545,"end":584.16504,"sentiment":"neutral","sentiment_score":-0.055646284483373165}],"sentiment":"neutral","sentiment_score":-0.13185661462909085,"num_words":59,"start":558.935,"end":584.16504},{"sentences":[{"text":"So I am a little bit concerned that so because I've still got that cash sitting against, like, in a, like, a high tax thing I mean, a high interest loan I mean, thing.","start":584.625,"end":608.45496,"sentiment":"neutral","sentiment_score":-0.22370520913425615},{"text":"A high interest account sort of not touching it.","start":609.71497,"end":613.495,"sentiment":"neutral","sentiment_score":-0.2449401749504937},{"text":"So it's getting taxed.","start":613.63495,"end":615.57495,"sentiment":"neutral","sentiment_score":-0.3276370167732239},{"text":"So and I haven't like, in my business, I probably haven't really spent a huge amount.","start":617.15497,"end":624.68,"sentiment":"negative","sentiment_score":-0.35507108829915524},{"text":"I guess my concern is is that I'm a little bit worried that, like, when I do eventually do my tax, which I've I've I've been avoiding, Not for any specific reason, just because I hate doing tax.","start":625.06,"end":638.895,"sentiment":"negative","sentiment_score":-0.33425715369613546}],"sentiment":"neutral","sentiment_score":-0.29211778223219487,"num_words":101,"start":584.625,"end":638.895},{"sentences":[{"text":"I'm, like, I can put, say, like, a bulk amount into my super, can I?","start":643.195,"end":650.25,"sentiment":"neutral","sentiment_score":-0.17987495561440786},{"text":"And that will and that will reduce, like and that how does that kind of so if I contribute to my super, can I I can use that as like, from my business?","start":652.97,"end":670.16504,"sentiment":"positive","sentiment_score":0.36400176629875647},{"text":"So if I take money out of my business account and say I'm paying this towards my super, Can that be deducted?","start":671.585,"end":681.45,"sentiment":"neutral","sentiment_score":0.03999631657180461},{"text":"Well, I do get an income from the business.","start":690.97504,"end":693.315,"sentiment":"neutral","sentiment_score":0.24604066378540462},{"text":"Like, it I don't I my business is quite small.","start":693.53503,"end":698.755,"sentiment":"neutral","sentiment_score":0.1585310362279415}],"sentiment":"neutral","sentiment_score":0.15723066578169217,"num_words":89,"start":643.195,"end":698.755},{"sentences":[{"text":"It's more like a you know, like, what they call a hobby.","start":698.815,"end":702.195,"sentiment":"neutral","sentiment_score":0.16291048129399618},{"text":"You know?","start":702.41504,"end":702.825,"sentiment":"neutral","sentiment_score":0.08560383319854736},{"text":"It's it's not yes.","start":702.825,"end":710.9,"sentiment":"neutral","sentiment_score":0.21249131858348846},{"text":"Yes.","start":712.32,"end":712.82,"sentiment":"neutral","sentiment_score":0.05633089691400528},{"text":"The no.","start":714.88,"end":716.96,"sentiment":"neutral","sentiment_score":-0.03319094516336918}],"sentiment":"neutral","sentiment_score":0.14124036775458426,"num_words":21,"start":698.815,"end":716.96},{"sentences":[{"text":"Most definitely not.","start":716.96,"end":718.42004,"sentiment":"neutral","sentiment_score":-0.033505240455269814},{"text":"So so my income from that so, basically, I don't get I don't so it it's quite a good little business in that I don't have a lot of overheads.","start":719.415,"end":729.975,"sentiment":"neutral","sentiment_score":0.30885359421372416},{"text":"I don't it doesn't cost me a great deal to to run it and manage it.","start":729.975,"end":736.47003,"sentiment":"positive","sentiment_score":0.44361912086606026},{"text":"So a lot of it is you know, there's not a huge amount of deductions.","start":737.97003,"end":743.59,"sentiment":"neutral","sentiment_score":0.24299795975287755},{"text":"You know, I've got, like, insurance and, you know, like, replacement costs, you know, a little bit of phone and, you know, all the, you know, water and whatnot, but things like that.","start":745.25,"end":761.1,"sentiment":"neutral","sentiment_score":0.10638884037281528}],"sentiment":"neutral","sentiment_score":0.24143091925256646,"num_words":97,"start":716.96,"end":761.1},{"sentences":[{"text":"But how, I guess, like so if if I wanna kind of I try and protect myself from getting some kind of bill from the ATO, Can I put that, like, from my business?","start":762.45996,"end":780.13495,"sentiment":"neutral","sentiment_score":0.06642544959836147},{"text":"Does that make any difference?","start":780.13495,"end":781.435,"sentiment":"neutral","sentiment_score":0.06299769878387451},{"text":"Is that, like, the business tax and my personal tax, or do they just go together anyway?","start":804.685,"end":809.825,"sentiment":"neutral","sentiment_score":0.01123443990945816},{"text":"Yep.","start":814.88,"end":815.38,"sentiment":"neutral","sentiment_score":-0.29917532205581665},{"text":"Yep.","start":819.2,"end":819.7,"sentiment":"neutral","sentiment_score":-0.27915629744529724}],"sentiment":"neutral","sentiment_score":0.03769151102109202,"num_words":58,"start":762.45996,"end":819.7},{"sentences":[{"text":"Okay.","start":826.635,"end":827.135,"sentiment":"neutral","sentiment_score":0.1036500334739685},{"text":"Yep.","start":838.79504,"end":839.25,"sentiment":"positive","sentiment_score":0.3745517134666443},{"text":"Okay.","start":853.77496,"end":854.27496,"sentiment":"neutral","sentiment_score":0.21707269549369812},{"text":"And I guess the only other real way to reduce that is, like, by, like, debits, you know, costs associated with the business.","start":854.65497,"end":872.69,"sentiment":"neutral","sentiment_score":0.17048131026651547},{"text":"Yeah.","start":878.26996,"end":878.75,"sentiment":"neutral","sentiment_score":0.1001361608505249}],"sentiment":"neutral","sentiment_score":0.17468447183017377,"num_words":27,"start":826.635,"end":878.75},{"sentences":[{"text":"Okay.","start":878.75,"end":879.045,"sentiment":"neutral","sentiment_score":0.08653964102268219},{"text":"Because I mean, I don't I don't know if I really wanna put it into my suit because, you know, like, I mean, I'd rather have cash in my pocket.","start":879.125,"end":884.825,"sentiment":"neutral","sentiment_score":-0.08487913186351458},{"text":"Is there any there's no other real sort of alternative?","start":884.885,"end":887.545,"sentiment":"neutral","sentiment_score":-0.21635017842054366},{"text":"Yep.","start":902.44,"end":902.94,"sentiment":"neutral","sentiment_score":-0.005877877585589886},{"text":"Well, that's what I'm worrying about.","start":928.22003,"end":929.98004,"sentiment":"negative","sentiment_score":-0.3403850644826889}],"sentiment":"neutral","sentiment_score":-0.13899009090770656,"num_words":48,"start":878.75,"end":929.98004},{"sentences":[{"text":"That's kind of why I'm ringing you because, you know, so, like, with me having and that's why I kind of just just out of curiosity, you may or may not know, but, like so I haven't, like, I haven't completed the quote.","start":929.98004,"end":950.85004,"sentiment":"neutral","sentiment_score":-0.06821226432572963},{"text":"Like, I haven't signed a quote to get this build, which is, like, a modular.","start":950.85004,"end":954.47003,"sentiment":"neutral","sentiment_score":-0.01177161888529857},{"text":"It'll take twelve months.","start":955.49,"end":957.03,"sentiment":"neutral","sentiment_score":0.00028970488347113176},{"text":"But, like, for a bank to approve that, is it quicker than it would be for, like, a settlement for, like, an existing house?","start":957.49,"end":964.675,"sentiment":"neutral","sentiment_score":0.005068974103778601},{"text":"Do you know?","start":964.675,"end":965.415,"sentiment":"neutral","sentiment_score":-0.016737345916529495}],"sentiment":"neutral","sentiment_score":-0.0341247133596727,"num_words":89,"start":929.98004,"end":965.415},{"sentences":[{"text":"Not sure.","start":968.595,"end":969.25494,"sentiment":"neutral","sentiment_score":-0.017745865043252707},{"text":"Yeah.","start":971.71497,"end":972.21497,"sentiment":"neutral","sentiment_score":0.014633165672421455},{"text":"Like I get her barcode.","start":974.675,"end":996.345,"sentiment":"neutral","sentiment_score":-0.001991710253059864},{"text":"Well, I I yes.","start":1004.39996,"end":1005.6,"sentiment":"neutral","sentiment_score":-0.03165336046367884},{"text":"I am.","start":1005.6,"end":1006.07996,"sentiment":"neutral","sentiment_score":-0.0324056763201952}],"sentiment":"neutral","sentiment_score":-0.015874422155320644,"num_words":14,"start":968.595,"end":1006.07996},{"sentences":[{"text":"And this is yeah.","start":1006.07996,"end":1006.8,"sentiment":"neutral","sentiment_score":-0.08743528835475445},{"text":"That's yeah.","start":1006.8,"end":1007.36,"sentiment":"neutral","sentiment_score":-0.14329494535923004},{"text":"I am.","start":1007.36,"end":1007.76,"sentiment":"neutral","sentiment_score":-0.18398188799619675},{"text":"Because I I kind of you know, I've had this in my head.","start":1007.76,"end":1010.8,"sentiment":"negative","sentiment_score":-0.4017669145877545},{"text":"Like, you know, I just feel like a fucking idiot because, like, I haven't actually fucking done anything yet.","start":1010.8,"end":1016.835,"sentiment":"negative","sentiment_score":-0.6218495965003967}],"sentiment":"negative","sentiment_score":-0.4510601760819554,"num_words":40,"start":1006.07996,"end":1016.835},{"sentences":[{"text":"And, you know, like, you know, I'm kind of, I guess, you know, wanting to, you know, act base you know, act smartly and not get burnt.","start":1017.715,"end":1029.255,"sentiment":"neutral","sentiment_score":-0.32815529295691737},{"text":"You know, because I do have additional ink you know, like so I've got my my current income's at about 87 k just from my general employment, then I'm you know, I think my business, like, income has gone you know, like, I've just got an additional contract.","start":1031.8301,"end":1047.845,"sentiment":"neutral","sentiment_score":-0.09096239980620642},{"text":"So it's probably I'm getting maybe, like, two grand a month.","start":1047.845,"end":1052.325,"sentiment":"neutral","sentiment_score":-0.034788872707973824},{"text":"You know?","start":1052.325,"end":1052.725,"sentiment":"neutral","sentiment_score":-0.03462645411491394},{"text":"Like but on average, it's been like so what is it like?","start":1052.725,"end":1056.085,"sentiment":"neutral","sentiment_score":-0.01801977896442016}],"sentiment":"neutral","sentiment_score":-0.1389455595612526,"num_words":100,"start":1017.715,"end":1056.085},{"sentences":[{"text":"So the majority of the last twelve months has been what?","start":1056.085,"end":1059.51,"sentiment":"neutral","sentiment_score":0.03590017133815722},{"text":"Say, 1,600 a month.","start":1059.59,"end":1063.91,"sentiment":"neutral","sentiment_score":0.05535579100251198},{"text":"So whatever that adds up to.","start":1063.91,"end":1065.77,"sentiment":"neutral","sentiment_score":0.08549930279453595},{"text":"But, like, you know, so that on top.","start":1065.99,"end":1069.43,"sentiment":"neutral","sentiment_score":0.11695981957018375},{"text":"And then I've had this bank account that's, you know, earning me interest.","start":1069.43,"end":1074.73,"sentiment":"neutral","sentiment_score":0.16171931074215815}],"sentiment":"neutral","sentiment_score":0.09922263004063141,"num_words":42,"start":1056.085,"end":1074.73},{"sentences":[{"text":"And so and so I'm even though I'm getting taxed on that, it's still adding to my income.","start":1077.345,"end":1084.085,"sentiment":"neutral","sentiment_score":0.012878152852257093},{"text":"So I'm just sort of like you know, I kinda guess I've been holding off because I haven't really sort of known what the fuck I'm doing.","start":1086.865,"end":1096.55,"sentiment":"negative","sentiment_score":-0.3960631898155919},{"text":"But at the same time, like, I I don't wanna shoot myself in the foot and then have to pay the fucking government any more taxes, especially when I wanna do something anyway.","start":1098.13,"end":1110.9451,"sentiment":"negative","sentiment_score":-0.3685466055617188},{"text":"You know?","start":1111.325,"end":1111.645,"sentiment":"neutral","sentiment_score":-0.15570265799760818},{"text":"So I'm just sort of, like, now I'm just wondering if I because, I mean, I'm pretty sure, like, any kind of loan, like, for an existing property would take about two months on average.","start":1111.645,"end":1124.06,"sentiment":"neutral","sentiment_score":-0.10415493675640651}],"sentiment":"neutral","sentiment_score":-0.2311370909537958,"num_words":115,"start":1077.345,"end":1124.06},{"sentences":[{"text":"Like, I think it's twenty one days minimum.","start":1124.28,"end":1127.26,"sentiment":"neutral","sentiment_score":-0.046000265050679445},{"text":"Like, well no.","start":1128.195,"end":1132.775,"sentiment":"neutral","sentiment_score":-0.05028615643580755},{"text":"No.","start":1133.7949,"end":1134.2949,"sentiment":"neutral","sentiment_score":-0.15689930319786072},{"text":"But I'm thinking, like, with costs associated with a bill, it might actually be able to sort of, you know, like, take a whack out of it.","start":1134.6749,"end":1141.015,"sentiment":"neutral","sentiment_score":-0.18102069475032664},{"text":"I don't know.","start":1142.515,"end":1143.4149,"sentiment":"neutral","sentiment_score":-0.1936372071504593}],"sentiment":"neutral","sentiment_score":-0.14629119696716467,"num_words":42,"start":1124.28,"end":1143.4149},{"sentences":[{"text":"So No.","start":1150.09,"end":1150.57,"sentiment":"neutral","sentiment_score":-0.14300766214728355},{"text":"That's fine.","start":1150.57,"end":1151.3899,"sentiment":"neutral","sentiment_score":-0.1045098528265953},{"text":"Yeah.","start":1158.09,"end":1158.585,"sentiment":"neutral","sentiment_score":-0.3099113404750824},{"text":"Yep.","start":1160.505,"end":1161.005,"sentiment":"neutral","sentiment_score":-0.0039261579513549805},{"text":"Alright.","start":1161.3049,"end":1161.705,"sentiment":"neutral","sentiment_score":0.21792273223400116}],"sentiment":"neutral","sentiment_score":-0.08442139944859914,"num_words":7,"start":1150.09,"end":1161.705},{"sentences":[{"text":"So I think I'll try and go with that then.","start":1161.705,"end":1164.0249,"sentiment":"neutral","sentiment_score":0.23644116818904876},{"text":"And I just I'm gonna bite the bullet and go for it.","start":1164.0249,"end":1169.7849,"sentiment":"neutral","sentiment_score":0.2264491623888413},{"text":"Because I've also potentially got and I don't know how this will impact my finances and if you can maybe give me any sort of foresight.","start":1169.7849,"end":1180.97,"sentiment":"negative","sentiment_score":-0.3882944050889749},{"text":"But my mother has a property in her name.","start":1183.35,"end":1190.405,"sentiment":"neutral","sentiment_score":-0.03279627963072724},{"text":"However, she is wanting to put it into myself and my sister's name through either, like, some kind of I don't know what the process is, but, hopefully, we'll only have to pay stamp duty because of her because she's owned it for a long time.","start":1190.405,"end":1214.535,"sentiment":"neutral","sentiment_score":-0.03140906523913145}],"sentiment":"neutral","sentiment_score":-0.06557122737313938,"num_words":103,"start":1161.705,"end":1214.535},{"sentences":[{"text":"So have you got any kind of, like just, again, a heads up for me in regards to because, I mean, if if the value of a that property then goes into, like, my name and we have a 50% thing of it each, I think the property is, you know, potentially worth maybe 600 at the at the most.","start":1217.8151,"end":1238.25,"sentiment":"neutral","sentiment_score":0.061288344052930675},{"text":"Do you have any kind of, like, watch out for this?","start":1242.575,"end":1246.915,"sentiment":"neutral","sentiment_score":-0.07964957844127309},{"text":"Or is this I mean, do you know what I mean?","start":1248.735,"end":1250.815,"sentiment":"neutral","sentiment_score":-0.07216402583501556},{"text":"Like, is that like a how long is a piece of art question?","start":1250.815,"end":1257.84,"sentiment":"neutral","sentiment_score":-0.0715568120089861},{"text":"Oh, shit.","start":1258.46,"end":1259.28,"sentiment":"neutral","sentiment_score":-0.2819986119866371}],"sentiment":"neutral","sentiment_score":0.005289847588108987,"num_words":97,"start":1217.8151,"end":1259.28},{"sentences":[{"text":"Yeah.","start":1266.78,"end":1267.28,"sentiment":"neutral","sentiment_score":-0.14510148763656616},{"text":"Yeah.","start":1282.0549,"end":1282.44,"sentiment":"neutral","sentiment_score":-0.02394179254770279},{"text":"Yep.","start":1287.0,"end":1287.5,"sentiment":"neutral","sentiment_score":0.01609625481069088},{"text":"Yep.","start":1290.84,"end":1291.34,"sentiment":"neutral","sentiment_score":0.02404725551605225},{"text":"Yep.","start":1296.2,"end":1296.36,"sentiment":"neutral","sentiment_score":-0.009219910018146038}],"sentiment":"neutral","sentiment_score":-0.02762393597513437,"num_words":5,"start":1266.78,"end":1296.36},{"sentences":[{"text":"Okay.","start":1296.36,"end":1296.86,"sentiment":"neutral","sentiment_score":-0.0025894101709127426},{"text":"Yes.","start":1299.625,"end":1300.125,"sentiment":"neutral","sentiment_score":0.03086813911795616},{"text":"Yep.","start":1313.92,"end":1314.42,"sentiment":"neutral","sentiment_score":-0.05858644470572472},{"text":"Yep.","start":1318.16,"end":1318.66,"sentiment":"neutral","sentiment_score":-0.04471247270703316},{"text":"Right.","start":1329.5349,"end":1330.0349,"sentiment":"neutral","sentiment_score":0.2133546769618988}],"sentiment":"neutral","sentiment_score":0.02766689769923687,"num_words":5,"start":1296.36,"end":1330.0349},{"sentences":[{"text":"Yep.","start":1330.335,"end":1330.835,"sentiment":"neutral","sentiment_score":0.15666396915912628},{"text":"Well, I would probably say oh god.","start":1349.67,"end":1360.2151,"sentiment":"neutral","sentiment_score":-0.054914320686033795},{"text":"That's it's a little bit high in the sky at the minute, to be honest.","start":1360.2151,"end":1364.615,"sentiment":"neutral","sentiment_score":-0.019866779694954553},{"text":"But I would say that the the house my my mother's place is being lived in by this woman who has been there for however long paying absolutely nothing.","start":1364.615,"end":1380.28,"sentiment":"neutral","sentiment_score":-0.10737819969654083},{"text":"It's an absolute joke.","start":1380.28,"end":1381.24,"sentiment":"negative","sentiment_score":-0.5380316898226738}],"sentiment":"neutral","sentiment_score":-0.10342558074210371,"num_words":56,"start":1330.335,"end":1381.24},{"sentences":[{"text":"I don't wanna go into that too much.","start":1381.24,"end":1382.84,"sentiment":"negative","sentiment_score":-0.3915807195007801},{"text":"But, you know, it's kind of, I guess, been somewhat neglected.","start":1382.84,"end":1390.345,"sentiment":"neutral","sentiment_score":-0.04324108734726906},{"text":"It is livable.","start":1392.165,"end":1393.545,"sentiment":"positive","sentiment_score":0.33601342638333637},{"text":"But, you know, and I mean, it's it's a place that I would go and live.","start":1395.605,"end":1401.9701,"sentiment":"neutral","sentiment_score":0.0043194342870265245},{"text":"I know it would be a hard place house to sort of go to just because it's got water tanks and pumps and, you know, and, yeah, she's a fixer upper.","start":1402.27,"end":1415.075,"sentiment":"neutral","sentiment_score":-0.21865623209985993}],"sentiment":"neutral","sentiment_score":-0.13492014035042646,"num_words":69,"start":1381.24,"end":1415.075},{"sentences":[{"text":"So I guess if you you could call yeah.","start":1416.655,"end":1422.255,"sentiment":"neutral","sentiment_score":-0.01131570152938366},{"text":"Yes.","start":1422.255,"end":1422.755,"sentiment":"neutral","sentiment_score":0.03862246125936508},{"text":"Yes.","start":1423.455,"end":1423.775,"sentiment":"neutral","sentiment_score":0.04679275304079056},{"text":"It is a rental, but it's, you know, it's it's a I don't even know what kind of agreement you would call it, but, yes, it was a rental, like a private rental.","start":1423.775,"end":1432.8,"sentiment":"neutral","sentiment_score":0.0026934802757971215},{"text":"But prior to that, it was just a verbal agreement.","start":1433.5,"end":1436.0,"sentiment":"neutral","sentiment_score":-0.04050296470522881}],"sentiment":"neutral","sentiment_score":-0.006158720322505191,"num_words":54,"start":1416.655,"end":1436.0},{"sentences":[{"text":"So Yeah.","start":1438.06,"end":1457.02,"sentiment":"neutral","sentiment_score":-0.018688680604100227},{"text":"Well, that's kind of why I'm sort of asking the question because I'm obviously your finance guy who, you know, is is the is the the person who I'm ring and, you know, it's like, Tommy.","start":1459.64,"end":1475.595,"sentiment":"neutral","sentiment_score":0.0004568207142357197},{"text":"Tommy, what do I do?","start":1478.2949,"end":1480.395,"sentiment":"neutral","sentiment_score":0.054385779052972795},{"text":"Yeah.","start":1493.24,"end":1493.74,"sentiment":"neutral","sentiment_score":0.14122259616851807},{"text":"Yeah.","start":1497.095,"end":1497.495,"sentiment":"neutral","sentiment_score":0.1784815788269043}],"sentiment":"neutral","sentiment_score":0.012682250105879374,"num_words":45,"start":1438.06,"end":1497.495},{"sentences":[{"text":"Oh, well, that's good.","start":1497.495,"end":1498.615,"sentiment":"positive","sentiment_score":0.44680120795965195},{"text":"That's good.","start":1498.615,"end":1499.255,"sentiment":"positive","sentiment_score":0.6972785294055939},{"text":"I'm glad to be a case model a case study.","start":1499.255,"end":1502.235,"sentiment":"positive","sentiment_score":0.6855906546115875},{"text":"So so yeah.","start":1504.215,"end":1505.655,"sentiment":"neutral","sentiment_score":0.022053686281045277},{"text":"So I guess in that, like, question so so you're saying that if the property has always been a investment, we could potentially, even if it's changed into our names, they used to do negative gear.","start":1505.655,"end":1526.6749,"sentiment":"neutral","sentiment_score":-0.03304407986191412}],"sentiment":"neutral","sentiment_score":0.16207713855599815,"num_words":55,"start":1497.495,"end":1526.6749},{"sentences":[{"text":"Possibly.","start":1529.535,"end":1530.035,"sentiment":"neutral","sentiment_score":-0.023437736555933952},{"text":"Yeah.","start":1534.6699,"end":1535.1699,"sentiment":"neutral","sentiment_score":-0.010677749291062357},{"text":"Well, it wasn't it wasn't always.","start":1540.27,"end":1542.2899,"sentiment":"neutral","sentiment_score":-0.05167550158997377},{"text":"We we did used to live there, but no one in the family's lived there in the last six years.","start":1542.35,"end":1548.21,"sentiment":"neutral","sentiment_score":-0.055456251930445434},{"text":"No.","start":1553.005,"end":1553.165,"sentiment":"neutral","sentiment_score":-0.1376860737800598}],"sentiment":"neutral","sentiment_score":-0.054861365785372665,"num_words":29,"start":1529.535,"end":1553.165},{"sentences":[{"text":"There's no loans on it.","start":1553.165,"end":1554.4451,"sentiment":"neutral","sentiment_score":-0.1267884060740471},{"text":"No.","start":1554.4451,"end":1554.9451,"sentiment":"neutral","sentiment_score":-0.11726535856723784},{"text":"Borrowing to purchase.","start":1570.66,"end":1572.04,"sentiment":"neutral","sentiment_score":-0.0589765173693498},{"text":"Okay.","start":1581.665,"end":1582.165,"sentiment":"neutral","sentiment_score":-0.04818784445524216},{"text":"No.","start":1582.465,"end":1582.965,"sentiment":"neutral","sentiment_score":-0.0736849308013916}],"sentiment":"neutral","sentiment_score":-0.0954554287547415,"num_words":11,"start":1553.165,"end":1582.965},{"sentences":[{"text":"Alright.","start":1584.785,"end":1585.285,"sentiment":"neutral","sentiment_score":-0.029233187437057495},{"text":"So I think so, basically, between, you know, between you and I and the wall, Tommy, the only reason that my mother is wanting to flip it to us as her daughters is because the government has taken her pension off her.","start":1595.5901,"end":1616.735,"sentiment":"neutral","sentiment_score":-0.2510229827215274},{"text":"So regardless of the fact that she's really received no income for it, predominantly over the last ten years or more, yeah, because of its value, it's and it's her like, she owns both her primary residence and that property as, like, she has paid for that, you know, like, however many years ago now.","start":1616.875,"end":1644.125,"sentiment":"neutral","sentiment_score":-0.22996178770607167},{"text":"So but because of the value of it, it's gone up, and so it's impacting her pension.","start":1647.145,"end":1652.79,"sentiment":"negative","sentiment_score":-0.43809134556966667},{"text":"So that is the only reason that she is wanting to flick it into our names, not because we will actually do something positive with it potentially.","start":1654.2101,"end":1664.23,"sentiment":"neutral","sentiment_score":-0.07997033137966085}],"sentiment":"neutral","sentiment_score":-0.23117499019373472,"num_words":142,"start":1584.785,"end":1664.23},{"sentences":[{"text":"But that's beside the point.","start":1666.605,"end":1668.045,"sentiment":"neutral","sentiment_score":0.012241531908512116},{"text":"I'm trying not to dwell on that thing.","start":1668.045,"end":1670.225,"sentiment":"neutral","sentiment_score":-0.08961970452219248},{"text":"But yeah.","start":1671.085,"end":1672.125,"sentiment":"neutral","sentiment_score":-0.008291314356029034},{"text":"Sorry.","start":1672.125,"end":1672.625,"sentiment":"neutral","sentiment_score":-0.0492943711578846},{"text":"Yep.","start":1679.325,"end":1679.825,"sentiment":"neutral","sentiment_score":0.03405221551656723}],"sentiment":"neutral","sentiment_score":-0.04044557417578557,"num_words":17,"start":1666.605,"end":1679.825},{"sentences":[{"text":"Well, I reckon we would probably get maybe well, yeah.","start":1686.25,"end":1691.4501,"sentiment":"neutral","sentiment_score":0.012573907896876336},{"text":"I reckon, like, maybe $4.50.","start":1691.4501,"end":1693.79,"sentiment":"neutral","sentiment_score":0.018057207763195037},{"text":"And that would probably be at a high, like, probably because it would only be, like, a little two bedroom.","start":1695.375,"end":1701.7151,"sentiment":"neutral","sentiment_score":-0.0305616301484406},{"text":"You know?","start":1701.935,"end":1702.5951,"sentiment":"neutral","sentiment_score":-0.035320572555065155},{"text":"And when I say it because of the current, like, it's it's be gone it's gonna be an ancillary building, so it's it's only allowed to be, like, 70 square meters.","start":1703.4551,"end":1715.21,"sentiment":"neutral","sentiment_score":-0.13471593659731648}],"sentiment":"neutral","sentiment_score":-0.06826533330604434,"num_words":68,"start":1686.25,"end":1715.21},{"sentences":[{"text":"So it's not gonna be a big it's not a big joint, you know, which is kind of a fucking rip off.","start":1715.99,"end":1723.235,"sentiment":"negative","sentiment_score":-0.3852948383851485},{"text":"But anyway, like, you know and it's like 300 and you know?","start":1723.235,"end":1727.875,"sentiment":"neutral","sentiment_score":-0.02766291129713257},{"text":"So it's like 360 odd thousand for a, you know, 70 odd square meter modular home, but which includes all the, like, approvals and things like that.","start":1727.875,"end":1744.55,"sentiment":"neutral","sentiment_score":0.024933715109471923},{"text":"So, like, through a build up.","start":1744.55,"end":1746.41,"sentiment":"neutral","sentiment_score":-0.0026249956960479417},{"text":"But, you know, but quite expensive really considering what the actual building is.","start":1748.2949,"end":1752.475,"sentiment":"negative","sentiment_score":-0.3708305691297238}],"sentiment":"neutral","sentiment_score":-0.16214723056182265,"num_words":80,"start":1715.99,"end":1752.475},{"sentences":[{"text":"So the I reckon, like, at the absolute most, I reckon we'd possibly get, like, $4.50.","start":1755.895,"end":1762.715,"sentiment":"neutral","sentiment_score":-0.041638625552877784},{"text":"Yep.","start":1769.7,"end":1770.2,"sentiment":"neutral","sentiment_score":0.14390531182289124},{"text":"Yep.","start":1771.94,"end":1772.44,"sentiment":"neutral","sentiment_score":0.1737009584903717},{"text":"Yep.","start":1779.955,"end":1780.455,"sentiment":"neutral","sentiment_score":0.1384454369544983},{"text":"Yep.","start":1789.4,"end":1789.9,"sentiment":"neutral","sentiment_score":0.17175984382629397}],"sentiment":"neutral","sentiment_score":-0.001920322887599467,"num_words":20,"start":1755.895,"end":1789.9},{"sentences":[{"text":"Yep.","start":1797.72,"end":1798.22,"sentiment":"neutral","sentiment_score":0.2996859550476074},{"text":"Yep.","start":1802.615,"end":1803.115,"sentiment":"neutral","sentiment_score":0.32002565264701843},{"text":"Yep.","start":1805.255,"end":1805.755,"sentiment":"neutral","sentiment_score":0.1494722068309784},{"text":"Yep.","start":1813.5801,"end":1814.0801,"sentiment":"neutral","sentiment_score":0.13696697354316711},{"text":"Yep.","start":1816.4601,"end":1816.8601,"sentiment":"neutral","sentiment_score":0.12063135951757432}],"sentiment":"neutral","sentiment_score":0.20535642951726912,"num_words":5,"start":1797.72,"end":1816.8601},{"sentences":[{"text":"Okay.","start":1816.8601,"end":1817.3601,"sentiment":"neutral","sentiment_score":0.11285066604614258},{"text":"Yep.","start":1856.235,"end":1856.735,"sentiment":"neutral","sentiment_score":0.1540738046169281},{"text":"Yep.","start":1857.755,"end":1858.155,"sentiment":"neutral","sentiment_score":0.17632931470870972},{"text":"Okay.","start":1858.155,"end":1858.655,"sentiment":"neutral","sentiment_score":0.19485267996788025},{"text":"Okay.","start":1871.3301,"end":1871.8301,"sentiment":"neutral","sentiment_score":0.12897604703903198}],"sentiment":"neutral","sentiment_score":0.15341650247573851,"num_words":5,"start":1816.8601,"end":1871.8301},{"sentences":[{"text":"Okay.","start":1874.13,"end":1874.63,"sentiment":"neutral","sentiment_score":0.09411238878965378},{"text":"Alright.","start":1876.4501,"end":1876.93,"sentiment":"neutral","sentiment_score":0.005018584430217743},{"text":"Well, I I think well, because the thing is, I guess, if I actually go and live there, I would probably my my business would either have to be sold or dissolved.","start":1876.93,"end":1886.625,"sentiment":"neutral","sentiment_score":-0.2706789111252874},{"text":"So I guess no.","start":1889.965,"end":1894.205,"sentiment":"neutral","sentiment_score":-0.157660111784935},{"text":"Well, because if I was to go and live in that in that dwelling, you know, the new build in the exist like, the new build would it would be like, I would have to, I guess, recreate my business from the ground up again.","start":1894.205,"end":1912.635,"sentiment":"neutral","sentiment_score":-0.22915872401661344}],"sentiment":"neutral","sentiment_score":-0.23500454470694784,"num_words":83,"start":1874.13,"end":1912.635},{"sentences":[{"text":"Because it's a it's a plant hire business.","start":1913.815,"end":1916.0549,"sentiment":"neutral","sentiment_score":-0.06405964260920882},{"text":"It's not like so, you know, the offices that I have here in Broome that I go and do plant maintenance for, you know, they are in Broome.","start":1916.0549,"end":1926.9401,"sentiment":"neutral","sentiment_score":-0.10335270993943725},{"text":"So unless I, you know, am flying in and flying out, which wouldn't be all bad, that I would probably have to you know, if I I'd either have to sell or dissolve my business.","start":1927.24,"end":1942.235,"sentiment":"neutral","sentiment_score":-0.30731020654950825},{"text":"Yeah.","start":1952.75,"end":1953.25,"sentiment":"neutral","sentiment_score":-0.015272870659828186},{"text":"Yeah.","start":1972.2949,"end":1972.7949,"sentiment":"neutral","sentiment_score":-0.0974312275648117}],"sentiment":"neutral","sentiment_score":-0.195546771871717,"num_words":73,"start":1913.815,"end":1972.7949},{"sentences":[{"text":"Okay.","start":1987.2201,"end":1987.7201,"sentiment":"neutral","sentiment_score":-0.03658581152558327},{"text":"So I guess, like, I guess but if there was some, like so say, for example, that say it was somewhere where I could build my business up, I could then go ahead and do that.","start":1988.18,"end":2003.5549,"sentiment":"neutral","sentiment_score":0.043471533701651625},{"text":"Like, I could sort of contemplate doing that.","start":2003.5549,"end":2006.07,"sentiment":"neutral","sentiment_score":0.03149562794715166},{"text":"Anyway, we might need to leave that one for a minute.","start":2007.4099,"end":2010.23,"sentiment":"neutral","sentiment_score":-0.02926534702154723},{"text":"Okay.","start":2014.9299,"end":2015.4299,"sentiment":"neutral","sentiment_score":0.05057891085743904}],"sentiment":"neutral","sentiment_score":0.02647393892862295,"num_words":57,"start":1987.2201,"end":2015.4299},{"sentences":[{"text":"Alright.","start":2015.49,"end":2015.8099,"sentiment":"neutral","sentiment_score":0.035774923861026764},{"text":"Well, I think I'll possibly gonna, you know because it's I think I'll just jump on this, like, you know, second building, ancillary building.","start":2015.8099,"end":2028.3451,"sentiment":"neutral","sentiment_score":0.039841863637169204},{"text":"I think it'll I think they took take about twelve months to actually build anyway.","start":2028.645,"end":2037.93,"sentiment":"neutral","sentiment_score":0.022066244979699452},{"text":"Yeah.","start":2056.715,"end":2057.19,"sentiment":"neutral","sentiment_score":0.04946482181549072},{"text":"Yep.","start":2061.03,"end":2061.27,"sentiment":"neutral","sentiment_score":0.06970074772834778}],"sentiment":"neutral","sentiment_score":0.03433664036648614,"num_words":42,"start":2015.49,"end":2061.27},{"sentences":[{"text":"Yeah.","start":2061.27,"end":2061.77,"sentiment":"neutral","sentiment_score":0.07205121964216232},{"text":"Yeah.","start":2063.27,"end":2063.51,"sentiment":"neutral","sentiment_score":0.06995026767253876},{"text":"Okay.","start":2063.51,"end":2064.01,"sentiment":"neutral","sentiment_score":0.09207508713006972},{"text":"Alright.","start":2064.31,"end":2064.81,"sentiment":"neutral","sentiment_score":0.12465643882751463},{"text":"Well, I mean yeah.","start":2065.03,"end":2066.95,"sentiment":"neutral","sentiment_score":0.09091269038617611}],"sentiment":"neutral","sentiment_score":0.09029797185212374,"num_words":8,"start":2061.27,"end":2066.95},{"sentences":[{"text":"Okay.","start":2066.95,"end":2067.45,"sentiment":"neutral","sentiment_score":0.2271001785993576},{"text":"Thank you.","start":2067.51,"end":2068.0698,"sentiment":"positive","sentiment_score":0.4115030914545059},{"text":"I think I I don't know.","start":2068.0698,"end":2069.77,"sentiment":"neutral","sentiment_score":0.00312856895228227},{"text":"I still am like a confused little deer in the headlights over here, but that's I appreciate your yeah.","start":2069.91,"end":2087.445,"sentiment":"neutral","sentiment_score":-0.0865759439766407},{"text":"Yeah.","start":2107.485,"end":2107.985,"sentiment":"neutral","sentiment_score":0.09784681349992752}],"sentiment":"neutral","sentiment_score":-0.01649028782186837,"num_words":29,"start":2066.95,"end":2107.985},{"sentences":[{"text":"Alright.","start":2115.8198,"end":2116.14,"sentiment":"neutral","sentiment_score":0.29351335763931274},{"text":"That sounds good, Tommy.","start":2116.14,"end":2117.5798,"sentiment":"positive","sentiment_score":0.4746743217110634},{"text":"Alright.","start":2117.5798,"end":2118.0798,"sentiment":"neutral","sentiment_score":0.30271920561790466},{"text":"Go, Jane.","start":2118.7,"end":2119.52,"sentiment":"neutral","sentiment_score":0.29531294107437134},{"text":"Alright.","start":2119.98,"end":2120.38,"sentiment":"neutral","sentiment_score":0.32381555438041687}],"sentiment":"positive","sentiment_score":0.3788190318478478,"num_words":9,"start":2115.8198,"end":2120.38},{"sentences":[{"text":"Thanks, mate.","start":2120.38,"end":2121.02,"sentiment":"positive","sentiment_score":0.4797840118408203},{"text":"You have a good afternoon.","start":2121.02,"end":2122.3198,"sentiment":"positive","sentiment_score":0.3440548121929169},{"text":"Sorry.","start":2133.715,"end":2134.215,"sentiment":"neutral","sentiment_score":-0.059499867260456085},{"text":"Really, with as far as super anyway, look, well, I don't really wanna throw away my super.","start":2134.2751,"end":2138.7551,"sentiment":"neutral","sentiment_score":-0.1491704127367805},{"text":"I'd rather put it like, I'd rather have access to it.","start":2138.7551,"end":2141.475,"sentiment":"neutral","sentiment_score":-0.017795655262571843}],"sentiment":"neutral","sentiment_score":-0.0030918613063274985,"num_words":36,"start":2120.38,"end":2141.475},{"sentences":[{"text":"So I think that's you know, if I can potentially sort of, you know, get this rushed through and I mean, it's not like it's being rushed through.","start":2141.475,"end":2149.95,"sentiment":"neutral","sentiment_score":-0.09838827386764544},{"text":"I've been, you know, sort of looking at it for months, but, you know, obviously, it's now at that time at end of year.","start":2149.95,"end":2155.65,"sentiment":"neutral","sentiment_score":-0.027680660675590236},{"text":"You know, I'm just like and I just wanna be able to sort of, you know, I guess like, what what kind of sort of like, if that can be sort of, say, approved, like, within, you know, the four weeks, I mean, what kind of tax stuff can I like, stamp duty and things like that or whatever what kind of monies would I be sort of looking at even being able to, you know, use as deductions against my personal tax?","start":2156.0298,"end":2189.715,"sentiment":"neutral","sentiment_score":0.0629300645900419},{"text":"Yeah.","start":2191.715,"end":2192.215,"sentiment":"neutral","sentiment_score":-0.13813677430152893},{"text":"Yeah.","start":2198.115,"end":2198.2751,"sentiment":"neutral","sentiment_score":-0.11262432485818864}],"sentiment":"neutral","sentiment_score":0.011337421440186292,"num_words":137,"start":2141.475,"end":2198.2751},{"sentences":[{"text":"Right.","start":2198.2751,"end":2198.5151,"sentiment":"neutral","sentiment_score":-0.1245989128947258},{"text":"So what if so what about, like, no so so even, like, fees for, like, council approvals and things like that?","start":2198.5151,"end":2206.7898,"sentiment":"neutral","sentiment_score":-0.13731092037189574},{"text":"Maybe.","start":2210.2898,"end":2210.7898,"sentiment":"neutral","sentiment_score":-0.0357406809926033},{"text":"Okay.","start":2210.8499,"end":2211.3499,"sentiment":"neutral","sentiment_score":0.000025330111384391785},{"text":"Mhmm.","start":2231.3052,"end":2231.67,"sentiment":"neutral","sentiment_score":0.01346217654645443}],"sentiment":"neutral","sentiment_score":-0.12121525660157204,"num_words":25,"start":2198.2751,"end":2231.67},{"sentences":[{"text":"Yep.","start":2245.1099,"end":2245.6099,"sentiment":"neutral","sentiment_score":0.17255201935768127},{"text":"Okay.","start":2255.325,"end":2255.825,"sentiment":"neutral","sentiment_score":0.18186894059181213},{"text":"Okay.","start":2265.92,"end":2266.4,"sentiment":"neutral","sentiment_score":0.18909196555614471},{"text":"So no no need to hurry.","start":2266.4,"end":2268.5,"sentiment":"neutral","sentiment_score":0.13074925914406776},{"text":"Not gonna make any difference anyway.","start":2270.16,"end":2271.94,"sentiment":"neutral","sentiment_score":0.042431240901350975}],"sentiment":"neutral","sentiment_score":0.1055063950518767,"num_words":15,"start":2245.1099,"end":2271.94},{"sentences":[{"text":"Okay.","start":2287.745,"end":2288.245,"sentiment":"neutral","sentiment_score":0.05227462202310562},{"text":"I'm guessing maybe the only other thing is.","start":2288.705,"end":2291.37,"sentiment":"neutral","sentiment_score":0.0008652242831885815},{"text":"Yeah.","start":2291.77,"end":2292.27,"sentiment":"neutral","sentiment_score":0.05916532501578331},{"text":"Okay.","start":2292.33,"end":2292.83,"sentiment":"neutral","sentiment_score":0.051545724272727966},{"text":"And the other thing I can think would be to actually, you know, like like, fix a shed or something, like, a small renovation.","start":2294.7302,"end":2305.2302,"sentiment":"neutral","sentiment_score":0.029482561629265547}],"sentiment":"neutral","sentiment_score":0.025071112705128535,"num_words":35,"start":2287.745,"end":2305.2302},{"sentences":[{"text":"I don't know if that would no?","start":2307.4148,"end":2312.1548,"sentiment":"neutral","sentiment_score":-0.041966016803468974},{"text":"What about the existing one?","start":2314.6948,"end":2316.6348,"sentiment":"neutral","sentiment_score":-0.006218976899981498},{"text":"Like, the existing one that's in my name?","start":2317.9749,"end":2320.4548,"sentiment":"neutral","sentiment_score":0.003054521686863154},{"text":"Like, if I was to say, like, put a, you know, brand new $10,000 oven in there, is that is that tax deductible?","start":2320.4548,"end":2333.79,"sentiment":"neutral","sentiment_score":0.01863468644897575},{"text":"Because it's an investment.","start":2334.09,"end":2335.55,"sentiment":"neutral","sentiment_score":-0.013360009295865893}],"sentiment":"neutral","sentiment_score":0.001590147287525395,"num_words":47,"start":2307.4148,"end":2335.55},{"sentences":[{"text":"Must be.","start":2336.755,"end":2337.575,"sentiment":"neutral","sentiment_score":-0.027882731519639492},{"text":"Right?","start":2340.835,"end":2341.335,"sentiment":"neutral","sentiment_score":-0.07838306576013565},{"text":"Yeah.","start":2350.195,"end":2350.435,"sentiment":"neutral","sentiment_score":-0.028088584542274475},{"text":"Sorry?","start":2350.435,"end":2350.935,"sentiment":"neutral","sentiment_score":-0.056949201971292496},{"text":"Accountant.","start":2352.79,"end":2353.29,"sentiment":"neutral","sentiment_score":-0.028861550614237785}],"sentiment":"neutral","sentiment_score":-0.041341310987869896,"num_words":6,"start":2336.755,"end":2353.29},{"sentences":[{"text":"No.","start":2356.71,"end":2357.19,"sentiment":"neutral","sentiment_score":-0.13751651346683502},{"text":"I have an account I've just got a I've just got a tax accountant.","start":2357.19,"end":2360.81,"sentiment":"neutral","sentiment_score":-0.08718714251049928},{"text":"Okay.","start":2375.775,"end":2376.275,"sentiment":"neutral","sentiment_score":-0.03988863527774811},{"text":"Yeah.","start":2385.8699,"end":2386.19,"sentiment":"neutral","sentiment_score":-0.11566805094480516},{"text":"No.","start":2386.19,"end":2386.69,"sentiment":"neutral","sentiment_score":-0.22423437237739563}],"sentiment":"neutral","sentiment_score":-0.09655153151187632,"num_words":18,"start":2356.71,"end":2386.69},{"sentences":[{"text":"Well, I don't have an accountant as such.","start":2387.0698,"end":2390.3699,"sentiment":"neutral","sentiment_score":-0.29765396006405354},{"text":"So, yeah, it's just my regular tax accountant, and they don't give any advice.","start":2395.7852,"end":2400.845,"sentiment":"negative","sentiment_score":-0.3364240250417164},{"text":"Yep.","start":2420.1,"end":2420.6,"sentiment":"neutral","sentiment_score":0.023987706750631332},{"text":"Yep.","start":2420.6602,"end":2421.1602,"sentiment":"neutral","sentiment_score":0.03454970568418503},{"text":"Yeah.","start":2423.605,"end":2423.8452,"sentiment":"neutral","sentiment_score":0.2807212471961975}],"sentiment":"neutral","sentiment_score":-0.2700763748586178,"num_words":25,"start":2387.0698,"end":2423.8452},{"sentences":[{"text":"Yeah.","start":2423.8452,"end":2424.165,"sentiment":"positive","sentiment_score":0.4222106337547302},{"text":"That sounds great.","start":2424.165,"end":2425.2852,"sentiment":"positive","sentiment_score":0.7424760262171427},{"text":"Okay.","start":2425.2852,"end":2425.605,"sentiment":"positive","sentiment_score":0.5024541616439819},{"text":"Thank you.","start":2425.605,"end":2426.425,"sentiment":"positive","sentiment_score":0.6897213459014893},{"text":"Thanks for that, Tony.","start":2426.645,"end":2427.865,"sentiment":"positive","sentiment_score":0.7202709168195724}],"sentiment":"positive","sentiment_score":0.673874475739219,"num_words":11,"start":2423.8452,"end":2427.865},{"sentences":[{"text":"Alright.","start":2428.725,"end":2429.0452,"sentiment":"positive","sentiment_score":0.4142612218856811},{"text":"I love a good brainstorm, mate.","start":2429.0452,"end":2430.725,"sentiment":"positive","sentiment_score":0.5823187430699667},{"text":"Thank you.","start":2430.725,"end":2431.365,"sentiment":"positive","sentiment_score":0.5560064613819122},{"text":"I green.","start":2431.365,"end":2435.385,"sentiment":"neutral","sentiment_score":0.27201230823993683},{"text":"Yep.","start":2436.8052,"end":2437.205,"sentiment":"neutral","sentiment_score":0.07076554745435715}],"sentiment":"positive","sentiment_score":0.4695813972502947,"num_words":12,"start":2428.725,"end":2437.205},{"sentences":[{"text":"Green tree.","start":2437.205,"end":2437.8452,"sentiment":"neutral","sentiment_score":0.10760896280407906},{"text":"Yep.","start":2437.8452,"end":2438.28,"sentiment":"neutral","sentiment_score":0.06329074501991272},{"text":"Yep.","start":2443.08,"end":2443.4001,"sentiment":"neutral","sentiment_score":0.07219585031270981},{"text":"That's it.","start":2443.4001,"end":2444.22,"sentiment":"neutral","sentiment_score":0.09203344210982323},{"text":"No.","start":2446.28,"end":2446.52,"sentiment":"neutral","sentiment_score":-0.02297075651586056}],"sentiment":"neutral","sentiment_score":0.07311437837779522,"num_words":7,"start":2437.205,"end":2446.52},{"sentences":[{"text":"I appreciate that.","start":2446.52,"end":2447.6401,"sentiment":"neutral","sentiment_score":0.11112975080808003},{"text":"I appreciate that a lot.","start":2447.6401,"end":2448.84,"sentiment":"positive","sentiment_score":0.41580902934074404},{"text":"Thank you for your time.","start":2448.84,"end":2450.1401,"sentiment":"positive","sentiment_score":0.6616979360580444},{"text":"Cheers.","start":2456.135,"end":2456.635,"sentiment":"positive","sentiment_score":0.4883359372615814},{"text":"Okay.","start":2456.695,"end":2457.0151,"sentiment":"neutral","sentiment_score":0.30256468057632446}],"sentiment":"positive","sentiment_score":0.43412164648373924,"num_words":15,"start":2446.52,"end":2457.0151},{"sentences":[{"text":"Thank you.","start":2457.0151,"end":2457.735,"sentiment":"positive","sentiment_score":0.5837103128433228},{"text":"Thanks, Tommy.","start":2457.735,"end":2458.21,"sentiment":"positive","sentiment_score":0.5778152346611023},{"text":"Have a goodbye.","start":2458.21,"end":2459.2751,"sentiment":"positive","sentiment_score":0.45724108815193176}],"sentiment":"positive","sentiment_score":0.5278249084949493,"num_words":7,"start":2457.0151,"end":2459.2751}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey, Tommy. How are you going?\n\nChannel 0: Hi. I'm doing fantastic. How you been?\n\nChannel 1: Yeah. Look. I'm okay. Thank you for asking. I was ringing up today because I am hoping to have a quick gun with you about, you know, what's going on financially in my little world over here.\n\nSo\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I just\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: yeah. Yeah. So I couple of things I wanted to talk about is so I haven't bought that joint because they were they were asking too much, and I was being tired.\n\nChannel 0: Fair enough. Fair enough.\n\nChannel 1: So,\n\nChannel 0: It happened.\n\nChannel 1: you know, so between the two of us, no one won that one.\n\nChannel 0: Yeah.\n\nChannel 1: But, you know, I mean, look, it's it's still on the market. It's still well, as far as I know. But, anyway, I've kind of sort of been umming and ahhing, and I basically still haven't, you know, put my money where my mouth is as far as, like, getting an investment property\n\nChannel 0: Yeah.\n\nChannel 1: and therefore offsetting what cash I do have against that loan. So what I have done is I think and I keep think I kinda briefly mentioned it to you anyway was I did get a quote for a build, like, of a of a\n\nChannel 0: Yeah.\n\nChannel 1: modular.\n\nChannel 0: This is for the second dwelling on\n\nChannel 1: Yeah.\n\nChannel 0: the one\n\nChannel 1: That's\n\nChannel 0: property.\n\nChannel 1: yes.\n\nChannel 0: Yep.\n\nChannel 1: So I guess my question is is with the financing of that, like, the when I've spoken to my broker, she has said that they will do, like, a separate loan. I I guess I just wanted to sort of speak to you in regards to, like, the capital gains changes that are coming in. So is is it correct that if I\n\nChannel 0: Oh, yes.\n\nChannel 1: build at this point in time that it will be grandfathered or whatever the terminology is that I won't have to pay capital gains if I sell it?\n\nChannel 0: Oh, so this one's where it gets tricky and it's not very fun. I was just talking to our team about this yesterday, actually. It's really interesting that you've called. So when it comes to existing properties, they've been grandfathered to existing negatively geared properties are fine. The only ones beyond that budget high point are new builds.\n\nNew builds can be negatively geared, but there was a technicality at the moment with second dwelling, almost like subdivision and second dwellings that\n\nChannel 1: Yeah.\n\nChannel 0: people\n\nChannel 1: Right.\n\nChannel 0: would have to knock down the original home and build two to qualify for\n\nChannel 1: Okay.\n\nChannel 0: the negative\n\nChannel 1: Just like\n\nChannel 0: gearing\n\nChannel 1: just like,\n\nChannel 0: side\n\nChannel 1: I'm a\n\nChannel 0: of things.\n\nChannel 1: little bit I'm a bit confused. Sorry. I was with you up until about the last five words.\n\nChannel 0: No.\n\nChannel 1: Just\n\nChannel 0: That's\n\nChannel 1: like\n\nChannel 0: okay.\n\nChannel 1: so so you said that, like okay. Sorry. So you said that it with existing properties, can they can carry on being negatively negatively geared? So is there any new is it only new buyers?\n\nChannel 0: New new built. So if you buy a an existing home, secondhand\n\nChannel 1: Yep.\n\nChannel 0: existing home established, they\n\nChannel 1: Yep.\n\nChannel 0: won't be able to do the negative gearing, only in new build, plan builds, that type of thing.\n\nChannel 1: Yep. But not\n\nChannel 0: That's\n\nChannel 1: if\n\nChannel 0: for\n\nChannel 1: it's\n\nChannel 0: the negative\n\nChannel 1: the second\n\nChannel 0: gearing.\n\nChannel 1: dwelling.\n\nChannel 0: Correct. If it's a second dwelling, you would essentially have to knock down the first one and build two.\n\nChannel 1: I work.\n\nChannel 0: Yeah. Not so good. To make them both new, if we're just talking negative gearing, not\n\nChannel 1: Oh\n\nChannel 0: CGT.\n\nChannel 1: my god. My brain I'm not picking up what's being put down at all. Sorry. My my my sweet brain's not quite registering. So are you saying\n\nChannel 0: That's okay. It's not a firm\n\nChannel 1: that\n\nChannel 0: legislation.\n\nChannel 1: basic basically, if I'm to build on my existing property an ancillary dwelling, I'm only going to be able to negative gear one of them, or none of them until I demolish the other one.\n\nChannel 0: Mhmm. Essentially,\n\nChannel 1: Is that\n\nChannel 0: unless\n\nChannel 1: what\n\nChannel 0: it's a full, fresh, new built property.\n\nChannel 1: So oh,\n\nChannel 0: So\n\nChannel 1: goodness\n\nChannel 0: all I'm saying\n\nChannel 1: me.\n\nChannel 0: there\n\nChannel 1: I\n\nChannel 0: is that\n\nChannel 1: I I was\n\nChannel 0: tax\n\nChannel 1: about to\n\nChannel 0: deductions\n\nChannel 1: come out with\n\nChannel 0: for\n\nChannel 1: some\n\nChannel 0: the loan?\n\nChannel 1: super colorful language.\n\nChannel 0: Yeah. Yeah. I did too. I did too.\n\nChannel 1: What a bunch of fuckers.\n\nChannel 0: Oh, I know.\n\nChannel 1: Just just\n\nChannel 0: Oh,\n\nChannel 1: like\n\nChannel 0: I know, aren't they?\n\nChannel 1: oh, yeah. Yeah. While they're, you know, like anyway, it doesn't matter. We're trying not to get too political at this time of the day. So I guess my thing is is that I'm kinda trying to suss out.\n\nThere's a there's a couple of things going on as well, and I just I get trying to work out. So if if I build, like, an ancillary dwelling, would that then like, would we then if I sell it in, you know, I guess, six years, would that have would that that would would that\n\nChannel 0: Would\n\nChannel 1: would\n\nChannel 0: you pay\n\nChannel 1: that still\n\nChannel 0: CGT\n\nChannel 1: get\n\nChannel 0: on\n\nChannel 1: yeah.\n\nChannel 0: that?\n\nChannel 1: Would you still pay the CGT? I mean, if I live there for a year, like, is it is it still that six year old artist? I don't even know what that's. Does that make does that still count, the six year old?\n\nChannel 0: Yeah. So just walk me through it again just quickly. Are you going to be living in one portion of it and renting out the other, or they'll both be renting this?\n\nChannel 1: Well, as a loan,\n\nChannel 0: Two different\n\nChannel 1: I\n\nChannel 0: rentals.\n\nChannel 1: would probably go for them at as, like, currently as an investment, but I guess, you know, it would be I mean, I would at some point wanna go and live there. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I'm just a little bit\n\nChannel 0: Well\n\nChannel 1: bewildered by it all at the minute. Sorry. I just\n\nChannel 0: yeah. I think one thing that might make it easier is at the moment, you're you're still renting at the moment, aren't you?\n\nChannel 1: yes.\n\nChannel 0: Yeah. So you can still claim the main residence exemption for that property. It shouldn't really be too much of a problem,\n\nChannel 1: Okay.\n\nChannel 0: especially\n\nChannel 1: So\n\nChannel 0: if you go and move back into it.\n\nChannel 1: okay. So so the base I I guess but I guess the point is is if I'm having to pay extra money, I actually can't use negative gearing on that\n\nChannel 0: Yeah.\n\nChannel 1: unless\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: what I\n\nChannel 1: remove\n\nChannel 0: was kinda getting\n\nChannel 1: unless\n\nChannel 0: at.\n\nChannel 1: I\n\nChannel 0: Is\n\nChannel 1: remove\n\nChannel 0: CGT\n\nChannel 1: yeah.\n\nChannel 0: possible?\n\nChannel 1: But c c g t is possible.\n\nChannel 0: Yeah. Like, you can you can waive a few things in and out there by, obviously, like, moving into the property and\n\nChannel 1: Yep.\n\nChannel 0: triggering the rules and things like that. That's not too much of a problem. It's the cash flow side of things, making sure that it's either positively geared or you can get by without the tax deductions for that part.\n\nChannel 1: Yeah.\n\nChannel 0: I don't think it's practical for you to knock a place down to build two just to get some tax\n\nChannel 1: No.\n\nChannel 0: deductions on some interest\n\nChannel 1: No.\n\nChannel 0: on a loan. That's disappointment.\n\nChannel 1: No. No. It doesn't make sense. Okay.\n\nChannel 0: No.\n\nChannel 1: Sorry. I'm just kind of like you know, I I sort of was thinking about all the stuff last night, and I was like, oh, I'll have to give OQ Finance a call because I'm I'm my head's all\n\nChannel 0: Yeah.\n\nChannel 1: over the place. So I guess my other question as well was about some super. So I am a little bit\n\nChannel 0: Yes.\n\nChannel 1: concerned that so because I've still got that cash sitting against, like, in a, like, a high tax thing I mean, a high interest loan I mean,\n\nChannel 0: Yeah.\n\nChannel 1: thing. A high interest account sort of not touching it. So it's getting taxed. So and I haven't like, in my business, I probably haven't really spent a huge amount. I guess my concern is is that I'm a little bit worried that, like, when I do eventually do my tax, which I've I've I've been avoiding, Not for any specific reason, just because I hate doing tax.\n\nI'm, like, I can put, say, like, a bulk amount into my super, can I?\n\nChannel 0: Yes. Yep.\n\nChannel 1: And\n\nChannel 0: For\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: will\n\nChannel 0: financial\n\nChannel 1: and\n\nChannel 0: year.\n\nChannel 1: that will reduce, like and that how does that kind of so if I contribute to my super, can I I can use that as like, from my business? So if I take money out of my business account and say I'm paying this towards my super, Can that be deducted? Well, I do get an income from the business. Like, it I don't I\n\nChannel 0: Yeah.\n\nChannel 1: my business is quite small. It's more like a you know, like, what they call a hobby. You know? It's\n\nChannel 0: Yep. So\n\nChannel 1: it's\n\nChannel 0: it's all\n\nChannel 1: not\n\nChannel 0: sole trader, personal services income. It would all count to your your personal\n\nChannel 1: yes.\n\nChannel 0: income at the end of the day.\n\nChannel 1: Yes.\n\nChannel 0: It's not, you know, cell company\n\nChannel 1: The\n\nChannel 0: type stuff.\n\nChannel 1: no. Most\n\nChannel 0: So\n\nChannel 1: definitely not. So\n\nChannel 0: yeah.\n\nChannel 1: so\n\nChannel 0: Yeah. So how it basically\n\nChannel 1: my income\n\nChannel 0: works\n\nChannel 1: from\n\nChannel 0: is\n\nChannel 1: that so, basically, I don't get I don't so it it's quite a good little business in that I don't have a lot of overheads. I don't it doesn't cost me a great deal to to run it and manage it.\n\nChannel 0: Yeah.\n\nChannel 1: So a lot of it is you know, there's not a huge amount of deductions. You know, I've got,\n\nChannel 0: Yeah.\n\nChannel 1: like, insurance\n\nChannel 0: That's right. There's not many overheads.\n\nChannel 1: and, you know, like, replacement costs, you know, a little bit of phone and, you know, all the, you know, water and whatnot, but things like that. But how, I guess, like so if if I wanna kind of I try and protect myself from getting some kind of bill from the ATO,\n\nChannel 0: Yep.\n\nChannel 1: Can I put that, like, from my business? Does that make any difference?\n\nChannel 0: Yeah. It doesn't make too much of a difference from my memory because, again, it's all gonna go up against your your personal income tax anyway. So that should be okay. If you were to put that in thousand dollars, claim it, it will reduce your taxable income by that much.\n\nChannel 1: Is that, like, the business tax and my personal tax, or do they just go together anyway?\n\nChannel 0: But when you're a sole trader, it pretty well goes together. You're not getting a\n\nChannel 1: Yep.\n\nChannel 0: corporate tax rate because there's no PTY LTV company. So you're not\n\nChannel 1: Yep.\n\nChannel 0: gonna be getting that 30% company rate. It'll all be going against your personal your marginal tax rate, which\n\nChannel 1: Okay.\n\nChannel 0: for you, I think we had you at, like, 85,000. I did make a small note in one of our conversations that you'd made, say, 12 to $15 from the the hobby business. So\n\nChannel 1: Yep.\n\nChannel 0: that may push you up to, say, a 100,000 and whatever that bracket is. And then if you put $10 in your super, drops your taxable income back down to the 90 and then taxes you on what's left over.\n\nChannel 1: Okay. And I guess the only other real way to reduce that is, like, by, like, debits, you know, costs associated with the business.\n\nChannel 0: Yeah. Loans and debits and things like that.\n\nChannel 1: Yeah. Okay. Because I mean, I don't I don't know if I really wanna put it into my suit because, you know, like, I mean, I'd rather have cash in my pocket. Is there any there's no other real sort of alternative?\n\nChannel 0: Not really. And that's where people start funneling things into, you know, people doing family trust and bucket companies and and distributing income to spouses and things like that. What\n\nChannel 1: Yep.\n\nChannel 0: your situation is is let's say you built that loan you were talking about before is if you're just getting clean profit from the hobby business, from your income, and from the property, they're just coming after you with the taxes for all three. Unless you start finding ways to make it look like, you know, higher expenses, more deductions, and things like that, you don't have\n\nChannel 1: Well, that's what I'm worrying about. That's kind of why I'm ringing you because, you know, so, like, with me having and that's why I kind of just just out of curiosity, you may or may not know, but, like so I haven't, like, I haven't completed the quote. Like, I haven't signed a quote to get this build, which is, like, a modular. It'll take twelve\n\nChannel 0: Yeah.\n\nChannel 1: months. But, like, for a bank to approve that, is it quicker than it would be for, like, a settlement for, like, an existing house? Do you know?\n\nChannel 0: For\n\nChannel 1: Not\n\nChannel 0: them\n\nChannel 1: sure.\n\nChannel 0: to approve lending to build on it?\n\nChannel 1: Yeah. Like\n\nChannel 0: Yeah. It'll be a bit quicker. It'll be a bit quicker. They'd obviously have all the existing, especially if you're doing the same back. They've got all the existing dwelling details, talking about what you wanna get out for the equity release and the other one.\n\nDo you go through a specific broker or just bank? Or\n\nChannel 1: I get her barcode.\n\nChannel 0: Mhmm. Yeah. Yeah. It shouldn't take too long to do it, but are you are you trying to get it done before\n\nChannel 1: Well, I\n\nChannel 0: financial\n\nChannel 1: I yes.\n\nChannel 0: year?\n\nChannel 1: I\n\nChannel 0: Or\n\nChannel 1: am. And this is yeah. That's yeah. I am. Because I I kind of you know, I've had this in my head.\n\nLike, you know, I just feel like a fucking idiot because, like, I haven't actually fucking done anything yet. And, you know, like, you know, I'm kind of, I guess, you know, wanting to, you know, act base you know, act smartly and not get burnt. You know,\n\nChannel 0: Yeah.\n\nChannel 1: because I do have additional ink you know, like so I've got my my current income's at about 87 k just from my general employment, then I'm you know, I think my business, like, income has gone you know, like, I've just got an additional contract. So it's probably I'm getting maybe, like, two grand a month. You know? Like but on average, it's been like so what is it like? So the majority of the last twelve months has been what?\n\nSay, 1,600 a month. So whatever that adds up to.\n\nChannel 0: Yep.\n\nChannel 1: But, like, you know, so that on top. And then I've had this bank account that's, you know, earning me interest.\n\nChannel 0: And just paying savings on it. Yeah.\n\nChannel 1: And so and so I'm even though I'm getting taxed on that, it's still adding to my income.\n\nChannel 0: Yeah. Exactly right.\n\nChannel 1: So I'm just sort of like you know, I kinda guess I've been holding off because I haven't really sort of known what the fuck I'm doing. But at the same time, like, I I don't wanna shoot myself in the foot and then have to pay the fucking government\n\nChannel 0: Yeah.\n\nChannel 1: any more taxes, especially when I wanna do something anyway. You know? So I'm just sort of, like, now I'm just wondering if I because, I mean, I'm pretty sure, like, any kind of loan, like, for an existing property would take about two months on average. Like, I think it's twenty one days minimum. Like,\n\nChannel 0: Yeah. And the interest won't have accrued much in between now and\n\nChannel 1: well\n\nChannel 0: financial\n\nChannel 1: no.\n\nChannel 0: year anyway.\n\nChannel 1: No. But I'm thinking, like, with costs associated with a bill, it might actually be able to sort of, you know, like, take a whack out of it. I don't know.\n\nChannel 0: Yeah. Potentially. Because at the end of the day, don't wanna be hiding it in the super where it's locked away until 60\n\nChannel 1: So No.\n\nChannel 0: just\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: fine.\n\nChannel 0: avoid that little bit. Because that's that's twelve years that you could be accessing that for these other goals.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely don't do that.\n\nChannel 1: Yep. Alright. So I think I'll try and go with that then. And I just I'm gonna bite the bullet and go for it. Because I've also potentially got and I don't know how this will impact my finances and if you can maybe give me any sort of foresight.\n\nBut my mother has a property in her name. However, she is wanting to put it into myself and my sister's name through either, like, some kind of I don't know what the process is, but, hopefully, we'll only have to pay stamp duty because of her because she's owned it for a long time.\n\nChannel 0: Yeah.\n\nChannel 1: So have you got any kind of, like just, again, a heads up for me in regards to because, I mean, if if the value of a that property then goes into, like, my name and we have a 50% thing of it each, I think the property is, you know, potentially worth maybe 600 at the at the most.\n\nChannel 0: Yeah.\n\nChannel 1: Do you have any kind of, like, watch out for this? Or is this I mean, do you\n\nChannel 0: Yeah.\n\nChannel 1: know what I mean? Like,\n\nChannel 0: A few.\n\nChannel 1: is that like a how long is a piece of art question?\n\nChannel 0: Yeah.\n\nChannel 1: Oh, shit.\n\nChannel 0: I'm I'm picturing it in my mind at the moment because anytime that you you change the beneficial owner or something, you start\n\nChannel 1: Yeah.\n\nChannel 0: to get some issues. What what's gonna happen for you in the future that you're gonna be very careful on is I'll come back to this in a sec. So let's say your mother gets the property into you and your sister's name. You've now\n\nChannel 1: Yeah.\n\nChannel 0: got this other asset that you've got partial ownership.\n\nChannel 1: Yep.\n\nChannel 0: So now you've got two properties, and let's say\n\nChannel 1: Yep.\n\nChannel 0: you build that extra dwelling, you've now got, say, 2.5. Well, if\n\nChannel 1: Yep.\n\nChannel 0: it's\n\nChannel 1: Okay.\n\nChannel 0: half of the other one, you know what I mean? Three little ones.\n\nChannel 1: Yes.\n\nChannel 0: You now need to track those three properties. You're not gonna be getting away from CGT on one or two of them depending on which ones you move between. So you\n\nChannel 1: Yep.\n\nChannel 0: have to be very careful with the size and value of them and their ability\n\nChannel 1: Yep.\n\nChannel 0: to appreciate in capital value because you don't wanna be sitting in the one that's gone stagnant. And the one that doubles, you pay a heap of tax on when you sell it.\n\nChannel 1: Right. Yep.\n\nChannel 0: K? So in terms of living situation, because that was big for for you as well, is your mother's home in a place that you can live in there, or are we talking about possibly moving back to the one where you built dwelling on? What would be most realistic?\n\nChannel 1: Well, I would probably say oh god. That's it's a little bit high in the sky at the minute, to be honest. But I would say that the the house my my mother's place is being lived in by this woman who has been there for however long paying absolutely nothing. It's an absolute joke. I don't wanna go into that too much.\n\nBut, you know, it's kind of, I guess, been somewhat neglected. It is livable. But, you know, and I mean, it's it's a place that I would go and live. I know it would be a hard place house to sort of go to just because it's got water tanks and pumps and,\n\nChannel 0: Fix up.\n\nChannel 1: you know,\n\nChannel 0: Yeah. But it\n\nChannel 1: and,\n\nChannel 0: was fixer upper.\n\nChannel 1: yeah, she's a fixer upper.\n\nChannel 0: And your mom's\n\nChannel 1: So I\n\nChannel 0: already\n\nChannel 1: guess\n\nChannel 0: got it as a rental?\n\nChannel 1: if you you could call yeah. Yes. Yes. It is a rental, but it's, you know, it's it's a I don't even know what kind of agreement you would call it, but, yes, it was a rental, like a private rental. But prior to that, it was just a verbal agreement.\n\nChannel 0: Yeah. Because I'm\n\nChannel 1: So\n\nChannel 0: just thinking now straight away to those negative gearing changes. If you guys get ownership of it and you can prove that it was an investment property, yada yada yada, that might be okay. Yeah. Anyway, future things to worry about, but it's little things like that too. What\n\nChannel 1: Yeah.\n\nChannel 0: you're taking on in your name.\n\nChannel 1: Well, that's kind of why I'm sort of asking the question because I'm obviously your finance guy who, you know, is is the is the the person who I'm ring and, you know, it's like, Tommy. Tommy, what do\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: you always\n\nChannel 1: do?\n\nChannel 0: give me the fun ones. I think you give me the most fun ones out of anyone. I've got this big this big running document with all the notes that I take from our conversation, and it's a rainbow of different colors that I highlight from it of\n\nChannel 1: Yeah.\n\nChannel 0: interesting little tidbits that I can talk to the team about.\n\nChannel 1: Yeah. Oh, well, that's good. That's good. I'm glad to be a case model a case study.\n\nChannel 0: Yep.\n\nChannel 1: So so yeah. So I guess in that, like, question so so you're saying that if the property has always been a investment, we could potentially, even if it's changed into our names, they used to do negative gear.\n\nChannel 0: Possibly. I'll have to confirm\n\nChannel 1: Possibly.\n\nChannel 0: that because, again, it's all recent changes. But if\n\nChannel 1: Yeah.\n\nChannel 0: it was always used for investment purposes, and I\n\nChannel 1: Well,\n\nChannel 0: guess\n\nChannel 1: it\n\nChannel 0: that\n\nChannel 1: wasn't\n\nChannel 0: the issue\n\nChannel 1: it\n\nChannel 0: would\n\nChannel 1: wasn't\n\nChannel 0: be\n\nChannel 1: always.\n\nChannel 0: taking\n\nChannel 1: We\n\nChannel 0: up any\n\nChannel 1: we\n\nChannel 0: debt.\n\nChannel 1: did used to live there, but no one in the family's lived there in the last six years.\n\nChannel 0: And there's no loans left on it?\n\nChannel 1: No. There's no loans on it. No.\n\nChannel 0: So then oh, okay. I was just thinking of the idea of borrowing to purchase that property from your mom.\n\nChannel 1: Borrowing to purchase.\n\nChannel 0: Yeah. But that's not gonna work because it's an existing dwelling. You're not gonna be able to do that. Because if there's no loan to take over, you won't be able to make it.\n\nChannel 1: Okay. No. Alright.\n\nChannel 0: The flip side of things, which is probably a bit more attractive for you, we'll we'll have to keep an eye on the details of your mother's home. Do you know when that's happening? When she's looking to do that?\n\nChannel 1: So I think so, basically, between, you know, between you and I and the wall, Tommy, the only reason that my mother is wanting to flip it to us as her daughters is because the government has taken her pension off her. So regardless of the fact\n\nChannel 0: Right.\n\nChannel 1: that she's really received no income for it, predominantly over the last ten years or more, yeah, because of its value, it's and it's her like, she owns both her primary residence and that property as, like, she has paid for that, you know, like, however many years ago now. So but because of the value of it, it's gone up, and so it's impacting her pension.\n\nChannel 0: Gotcha.\n\nChannel 1: So that\n\nChannel 0: Gotcha.\n\nChannel 1: is\n\nChannel 0: Gotcha.\n\nChannel 1: the only reason that she is wanting to flick it into our names, not because we will actually do something positive with it potentially.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But that's beside\n\nChannel 0: I get\n\nChannel 1: the point.\n\nChannel 0: you.\n\nChannel 1: I'm trying not to dwell on that thing. But\n\nChannel 0: Well, on\n\nChannel 1: yeah.\n\nChannel 0: the flip\n\nChannel 1: Sorry.\n\nChannel 0: side of things, so you know how we were talking about the the dwelling that you wanna build on on the current property?\n\nChannel 1: Yep.\n\nChannel 0: Do you know how much you would get for that rental once it's built?\n\nChannel 1: Well, I reckon we would probably get maybe well, yeah. I reckon, like, maybe $4.50. And that would probably be at a high, like, probably because it would only be, like, a little two bedroom. You know? And when I say it because of the current, like, it's it's be gone it's gonna be an ancillary building, so it's it's only allowed to be, like, 70 square meters.\n\nSo it's not gonna\n\nChannel 0: Gotcha.\n\nChannel 1: be a big\n\nChannel 0: Gotcha.\n\nChannel 1: it's not a big joint, you know, which is kind of a fucking rip off. But anyway, like,\n\nChannel 0: Yeah.\n\nChannel 1: you know and it's like 300 and you know? So it's like 360 odd thousand for a, you know, 70 odd square meter modular home, but which includes all the, like, approvals and things like that. So, like, through a build up.\n\nChannel 0: Yes.\n\nChannel 1: But, you know, but quite expensive really considering what the actual building is. So the I reckon, like, at the absolute most, I reckon we'd possibly get, like,\n\nChannel 0: Right.\n\nChannel 1: $4.50.\n\nChannel 0: So tonight just to get\n\nChannel 1: Yep.\n\nChannel 0: your head in the mind space of it. So\n\nChannel 1: Yep.\n\nChannel 0: let's say you're getting $2,000 a month for your hobby business.\n\nChannel 1: Yep.\n\nChannel 0: That was one of the things that you mentioned possibly for a contract. So let's just use that as an example. 24,000 a year, it's about $4.60 a week.\n\nChannel 1: Yep.\n\nChannel 0: Now if you get this dwelling built and there's a loan for that, you're\n\nChannel 1: Yep.\n\nChannel 0: getting $4.50 a week rent, but you're still getting your $4.60 from the hobby. So you're getting\n\nChannel 1: Yep.\n\nChannel 0: two sources of income. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: So you're gonna get taxed out the arse because you're getting two lots of income on top of your wages. You're just\n\nChannel 1: Yep.\n\nChannel 0: compounding three lots of income on top of each other.\n\nChannel 1: Yep. Okay.\n\nChannel 0: The flip side is just for argument's sake. Let's say you build that dwelling and you run the hobby business out of it. And every single thing to do with that hobby business is I need this expense. I need this space, electricity, Internet, whatever it is for the business, and you start tying it in with the business to get lots of deductions, but you've got a loan to repay because you've built it. So you don't get that $4.50, but you can link in to all of the different deductions and things like that.\n\nKind of two different pathways. You know what I'm saying?\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Like, build the business up within that tax effectively and use that and actually try and grow that thing somewhere or get an extra source of income, but just know that you've now got a third source to be taxed.\n\nChannel 1: Okay. Okay. Alright. Well, I I think well, because the thing is, I guess, if I actually go and live there, I would probably my my business would either have to be sold or dissolved.\n\nChannel 0: Yeah. Is\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: I guess\n\nChannel 0: to to afford it?\n\nChannel 1: no. Well, because if I was to go and live in that in that dwelling, you know, the new build in the exist like, the new build would it would be like, I would have to, I guess, recreate my business from the ground up again. Because\n\nChannel 0: Yeah.\n\nChannel 1: it's a it's a plant hire business. It's not like so, you know, the offices that I have here in Broome that I go and do plant maintenance for,\n\nChannel 0: Yeah.\n\nChannel 1: you know, they are in Broome. So unless I, you know, am flying in and flying out, which wouldn't be all bad, that I would probably have to you know, if I I'd either have to sell or dissolve my business.\n\nChannel 0: Yeah. That wouldn't be ideal because alright. So that one that option goes out the window because one of the things that my mind started going to was if you\n\nChannel 1: Yeah.\n\nChannel 0: go to that property, build the dwelling, build the business, all of a sudden you start leaning in the next five years towards a bucket company. And, you know, trust with a bucket company and all of a sudden everything to do with the rental and the business and everything is all tied into those entities. But\n\nChannel 1: Yeah.\n\nChannel 0: if that all stops and all of a sudden you build it and you've got a loan, you've got an expense, and then the income's not coming in, I I wouldn't bother with that. It could be more of a come back to that in a few years type thing.\n\nChannel 1: Okay. So I guess, like, I guess but if there was some, like so say, for example, that say it was somewhere where I could build my business up, I could then go ahead and do that. Like, I could sort of contemplate doing that.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway,\n\nChannel 0: It's\n\nChannel 1: we might\n\nChannel 0: one of\n\nChannel 1: need\n\nChannel 0: those\n\nChannel 1: to\n\nChannel 0: things\n\nChannel 1: leave\n\nChannel 0: where\n\nChannel 1: that one for a minute.\n\nChannel 0: yeah. I think so.\n\nChannel 1: Okay. Alright. Well, I think I'll possibly gonna, you know because it's I think I'll just jump on this, like, you know, second building, ancillary building. I think it'll I think they took take about twelve months to actually build anyway.\n\nChannel 0: Yeah. Yeah. Look. It's adding some assets. It can be used in a couple of different ways.\n\nI think you've been leaning in that direction for a while now, so it it definitely makes sense to to give it a go if you think the\n\nChannel 1: Yeah.\n\nChannel 0: occupancies there and the figures make sense.\n\nChannel 1: Yep. Yeah. Yeah. Okay. Alright.\n\nWell, I mean yeah. Okay. Thank you. I think I I don't know. I still am like a confused little deer in the headlights over here, but that's I appreciate\n\nChannel 0: Yeah. Look,\n\nChannel 1: your\n\nChannel 0: Claire, it's it's one of those things with the government. They change this legislation. Everyone's gonna try and figure their way through the weeds a little bit, But\n\nChannel 1: yeah.\n\nChannel 0: we've got a bit better idea about what not to do, which is good. Got a bit more leaning in a direction, which is good. And if I come up with any new ideas, I'll I'll give you a call. And, yeah, there's a few different moving parts you've got between your property and the other ones. So\n\nChannel 1: Yeah.\n\nChannel 0: keep leaning where you're leaning, and things will start to paint the picture over time. And when I come up with some new ideas, I'll let you know.\n\nChannel 1: Alright. That sounds good, Tommy. Alright. Go, Jane.\n\nChannel 0: Cool.\n\nChannel 1: Alright. Thanks, mate.\n\nChannel 0: Alright.\n\nChannel 1: You have\n\nChannel 0: I\n\nChannel 1: a good\n\nChannel 0: will\n\nChannel 1: afternoon.\n\nChannel 0: be that's okay. I'll catch you in a few months for review. End of financial year, we'll just leave that.\n\nChannel 1: Sorry. Really, with as far as super anyway, look, well, I don't really wanna throw away my super. I'd rather put it like, I'd rather have access to it. So I think that's you\n\nChannel 0: Yeah.\n\nChannel 1: know, if\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: I'm\n\nChannel 1: can\n\nChannel 0: with\n\nChannel 1: potentially\n\nChannel 0: you.\n\nChannel 1: sort of, you know, get this rushed through and I mean, it's not like it's being rushed through. I've been, you know, sort of looking at it for months, but, you know, obviously, it's now at that time at end of year. You know, I'm just like and I just wanna be\n\nChannel 0: Yeah.\n\nChannel 1: able to sort of, you know, I guess like, what what kind of sort of like, if that can be sort of, say, approved, like, within, you know, the four weeks, I mean, what kind of tax stuff can I like, stamp duty and things like that or whatever what kind of monies would I be sort of looking at even being able to, you know, use as deductions\n\nChannel 0: I don't think\n\nChannel 1: against\n\nChannel 0: there'd be\n\nChannel 1: my\n\nChannel 0: very\n\nChannel 1: personal\n\nChannel 0: much,\n\nChannel 1: tax?\n\nChannel 0: to be honest. I don't\n\nChannel 1: Yeah.\n\nChannel 0: think there'd be very much. Yeah. I don't think you've\n\nChannel 1: Yeah.\n\nChannel 0: gotta\n\nChannel 1: Right. So\n\nChannel 0: rush\n\nChannel 1: what\n\nChannel 0: it.\n\nChannel 1: if so\n\nChannel 0: I\n\nChannel 1: what\n\nChannel 0: think\n\nChannel 1: about, like, no so so even, like, fees for, like, council approvals and things like that?\n\nChannel 0: Maybe. Maybe.\n\nChannel 1: Maybe.\n\nChannel 0: Hang on.\n\nChannel 1: Okay.\n\nChannel 0: More investment, didn't they? Well, your property is yeah. So this is one of the ones that when you're building it, you're carrying\n\nChannel 1: Mhmm.\n\nChannel 0: forward a lot of claims for when it does produce an income. So you get all these expenses and capital works that you did to build that rental property.\n\nChannel 1: Yep.\n\nChannel 0: Expenses now. You're not reducing your income for this financial year. You're doing it for when it's built and rented.\n\nChannel 1: Okay.\n\nChannel 0: Provided your property is held to produce an assessable income in that year.\n\nChannel 1: Okay. So no no need to hurry. Not gonna\n\nChannel 0: Yeah.\n\nChannel 1: make any difference\n\nChannel 0: Loans\n\nChannel 1: anyway.\n\nChannel 0: and borrowing expenses, that can be done over many different years. Advertising for tenants and someone so that comes later. Council rates and things like that. Yeah.\n\nChannel 1: Okay. I'm guessing maybe the only\n\nChannel 0: Nothing\n\nChannel 1: other\n\nChannel 0: major.\n\nChannel 1: thing is. Yeah. Okay. And the other thing I can think would be to actually, you know, like like, fix a shed or something, like, a small renovation. I don't know if that would\n\nChannel 0: Potentially. No.\n\nChannel 1: no?\n\nChannel 0: Not until that place is once that's built,\n\nChannel 1: What about the\n\nChannel 0: you can\n\nChannel 1: existing\n\nChannel 0: you\n\nChannel 1: one?\n\nChannel 0: can do some work on it.\n\nChannel 1: Like, the existing one that's in my name? Like, if I was to say, like, put a, you know, brand new $10,000 oven in there,\n\nChannel 0: Oh, yeah. Yeah. Yeah.\n\nChannel 1: is that is that tax deductible? Because it's an investment. Must be.\n\nChannel 0: Yeah. Well, I've been hit with all the repairs on my place, and it's like a new\n\nChannel 1: Right?\n\nChannel 0: air conditioner and all this kind of thing for that count. Do you have do you have an accountant that you can give a call for me,\n\nChannel 1: Yeah. Sorry?\n\nChannel 0: Or you're still looking for one? Do you have an accountant\n\nChannel 1: Accountant.\n\nChannel 0: that you could call for?\n\nChannel 1: No. I have an account I've\n\nChannel 0: Alright.\n\nChannel 1: just got a I've just got a tax accountant.\n\nChannel 0: Yeah. Right. So I was gonna ask them about the capital all that up, but the capital works for the place that you're building, and the capital works for the listing place, how those two are treated differently.\n\nChannel 1: Okay.\n\nChannel 0: So I can look into it and send you an email, but if we've got someone to call, that'll be quicker. I just don't know off the top of my head.\n\nChannel 1: Yeah. No. Well, I don't have an accountant as such.\n\nChannel 0: Gotcha. Gotcha.\n\nChannel 1: So, yeah, it's just my regular tax accountant, and they don't give any advice.\n\nChannel 0: No. Okay. What I'll do is I'll do a little bit of research in the next half an hour or so, and I'll put you a little bit of an email about CapitalWorks for the existing or new build. And that should give you an indication about whether it's worth trying to rush it through now\n\nChannel 1: Yep.\n\nChannel 0: and which\n\nChannel 1: Yep.\n\nChannel 0: ones you'd be able to do. How does that sound?\n\nChannel 1: Yeah. Yeah. That sounds great. Okay. Thank you.\n\nThanks for that, Tony.\n\nChannel 0: That's okay, Claire.\n\nChannel 1: Alright. I love a good brainstorm,\n\nChannel 0: Still\n\nChannel 1: mate.\n\nChannel 0: got your\n\nChannel 1: Thank you. I\n\nChannel 0: oh, it's my favorite. Gmail\n\nChannel 1: green.\n\nChannel 0: still okay for you? Greentree.\n\nChannel 1: Yep. Green tree. Yep.\n\nChannel 0: Greentreeroombroom@Gmail.com.\n\nChannel 1: Yep. That's it.\n\nChannel 0: Yeah. Cool. I'll have a\n\nChannel 1: No.\n\nChannel 0: chat\n\nChannel 1: I\n\nChannel 0: with Savi\n\nChannel 1: appreciate\n\nChannel 0: tomorrow\n\nChannel 1: that.\n\nChannel 0: when I see\n\nChannel 1: I\n\nChannel 0: him.\n\nChannel 1: appreciate that a lot. Thank you for your time.\n\nChannel 0: That's okay. You have a good night, and just put me an email back if you got any questions.\n\nChannel 1: Cheers. Okay. Thank you. Thanks, Tommy. Have a goodbye.\n\nChannel 0: Thanks, Claire. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Tommy.","start":1.5999999,"end":2.32,"sentiment":"neutral","sentiment_score":0.21650581061840057},{"text":"How are you going?","start":2.32,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.25615743175148964}],"sentiment":"neutral","sentiment_score":0.24294022470712662,"channel":1,"num_words":6,"start":1.5999999,"end":3.1399999},{"sentences":[{"text":"Hi.","start":4.0,"end":4.24,"sentiment":"positive","sentiment_score":0.5324973464012146},{"text":"I'm doing fantastic.","start":4.24,"end":5.54,"sentiment":"positive","sentiment_score":0.7406142552693685},{"text":"How you been?","start":5.6,"end":6.42,"sentiment":"positive","sentiment_score":0.5073616703351339}],"sentiment":"positive","sentiment_score":0.6109178747449603,"channel":0,"num_words":7,"start":4.0,"end":6.42},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.26224809885025024},{"text":"Look.","start":7.7599998,"end":8.24,"sentiment":"neutral","sentiment_score":0.2231136709451675},{"text":"I'm okay.","start":8.24,"end":9.059999,"sentiment":"positive","sentiment_score":0.3397863358259201},{"text":"Thank you for asking.","start":9.12,"end":10.5,"sentiment":"positive","sentiment_score":0.5674406588077545},{"text":"I was ringing up today because I am hoping to have a quick gun with you about, you know, what's going on financially in my little world over here.","start":10.96,"end":24.835,"sentiment":"neutral","sentiment_score":0.04853990789631318}],"sentiment":"neutral","sentiment_score":0.13087444339652318,"channel":1,"num_words":37,"start":7.3599997,"end":24.835},{"sentences":[{"text":"So","start":25.695,"end":26.015,"sentiment":"neutral","sentiment_score":0.019074834883213043}],"sentiment":"neutral","sentiment_score":0.019074834883213043,"channel":1,"num_words":1,"start":25.695,"end":26.015},{"sentences":[{"text":"Yeah.","start":25.710001,"end":25.95,"sentiment":"neutral","sentiment_score":0.04042232409119606},{"text":"Yeah.","start":25.95,"end":26.27,"sentiment":"neutral","sentiment_score":0.05012509971857071}],"sentiment":"neutral","sentiment_score":0.045273711904883385,"channel":0,"num_words":2,"start":25.710001,"end":26.27},{"sentences":[{"text":"I just","start":26.015,"end":26.58,"sentiment":"neutral","sentiment_score":0.04736686684191227}],"sentiment":"neutral","sentiment_score":0.04736686684191227,"channel":1,"num_words":2,"start":26.015,"end":26.58},{"sentences":[{"text":"Yeah.","start":26.27,"end":26.43,"sentiment":"neutral","sentiment_score":0.0945923626422882},{"text":"Absolutely.","start":26.43,"end":26.93,"sentiment":"neutral","sentiment_score":0.2062421441078186}],"sentiment":"neutral","sentiment_score":0.1504172533750534,"channel":0,"num_words":2,"start":26.27,"end":26.93},{"sentences":[{"text":"yeah.","start":27.06,"end":27.539999,"sentiment":"neutral","sentiment_score":0.12560969591140747},{"text":"Yeah.","start":27.539999,"end":28.039999,"sentiment":"neutral","sentiment_score":0.044333793222904205},{"text":"So I couple of things I wanted to talk about is so I haven't bought that joint because they were they were asking too much, and I was being tired.","start":28.18,"end":43.325,"sentiment":"neutral","sentiment_score":-0.15498600273082655}],"sentiment":"neutral","sentiment_score":-0.13998864352470264,"channel":1,"num_words":32,"start":27.06,"end":43.325},{"sentences":[{"text":"Fair enough.","start":44.604996,"end":45.245,"sentiment":"neutral","sentiment_score":-0.037473415955901146},{"text":"Fair enough.","start":45.245,"end":45.984997,"sentiment":"neutral","sentiment_score":-0.02355047408491373}],"sentiment":"neutral","sentiment_score":-0.03051194502040744,"channel":0,"num_words":4,"start":44.604996,"end":45.984997},{"sentences":[{"text":"So,","start":46.025,"end":46.525,"sentiment":"neutral","sentiment_score":-0.045697957277297974}],"sentiment":"neutral","sentiment_score":-0.045697957277297974,"channel":1,"num_words":1,"start":46.025,"end":46.525},{"sentences":[{"text":"It happened.","start":46.604996,"end":47.344997,"sentiment":"neutral","sentiment_score":-0.05866677686572075}],"sentiment":"neutral","sentiment_score":-0.05866677686572075,"channel":0,"num_words":2,"start":46.604996,"end":47.344997},{"sentences":[{"text":"you know, so between the two of us, no one won that one.","start":47.385002,"end":50.845,"sentiment":"neutral","sentiment_score":-0.12994288423886666}],"sentiment":"neutral","sentiment_score":-0.12994288423886666,"channel":1,"num_words":13,"start":47.385002,"end":50.845},{"sentences":[{"text":"Yeah.","start":51.519997,"end":52.019997,"sentiment":"neutral","sentiment_score":-0.04070435464382171}],"sentiment":"neutral","sentiment_score":-0.04070435464382171,"channel":0,"num_words":1,"start":51.519997,"end":52.019997},{"sentences":[{"text":"But, you know, I mean, look, it's it's still on the market.","start":52.600002,"end":56.28,"sentiment":"neutral","sentiment_score":-0.0411272244527936},{"text":"It's still well, as far as I 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that little bit.","start":1151.0499,"end":1152.73,"sentiment":"neutral","sentiment_score":-0.17799102142453194},{"text":"Because that's that's twelve years that you could be accessing that for these other goals.","start":1152.73,"end":1157.07,"sentiment":"neutral","sentiment_score":0.01772587513551116}],"sentiment":"neutral","sentiment_score":-0.02347768203502423,"channel":0,"num_words":19,"start":1151.0499,"end":1157.07},{"sentences":[{"text":"Yeah.","start":1158.09,"end":1158.585,"sentiment":"neutral","sentiment_score":-0.3099113404750824}],"sentiment":"neutral","sentiment_score":-0.3099113404750824,"channel":1,"num_words":1,"start":1158.09,"end":1158.585},{"sentences":[{"text":"Definitely don't do 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one, you know what I mean?","start":1296.455,"end":1298.215,"sentiment":"neutral","sentiment_score":-0.03216804601252079},{"text":"Three little ones.","start":1298.215,"end":1299.195,"sentiment":"neutral","sentiment_score":-0.014042808984716734}],"sentiment":"neutral","sentiment_score":-0.02798529900610447,"channel":0,"num_words":13,"start":1296.455,"end":1299.195},{"sentences":[{"text":"Yes.","start":1299.625,"end":1300.125,"sentiment":"neutral","sentiment_score":0.03086813911795616}],"sentiment":"neutral","sentiment_score":0.03086813911795616,"channel":1,"num_words":1,"start":1299.625,"end":1300.125},{"sentences":[{"text":"You now need to track those three properties.","start":1301.61,"end":1304.0299,"sentiment":"neutral","sentiment_score":-0.029500548727810383},{"text":"You're not gonna be getting away from CGT on one or two of them depending on which ones you move between.","start":1304.33,"end":1313.07,"sentiment":"neutral","sentiment_score":-0.08717607955137889},{"text":"So 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gonna ask them about the capital all that up, but the capital works for the place that you're building, and the capital works for the listing place, how those two are treated differently.","start":2363.3098,"end":2374.7698,"sentiment":"neutral","sentiment_score":-0.09035128003193273}],"sentiment":"neutral","sentiment_score":-0.08781022411820136,"channel":0,"num_words":38,"start":2362.75,"end":2374.7698},{"sentences":[{"text":"Okay.","start":2375.775,"end":2376.275,"sentiment":"neutral","sentiment_score":-0.03988863527774811}],"sentiment":"neutral","sentiment_score":-0.03988863527774811,"channel":1,"num_words":1,"start":2375.775,"end":2376.275},{"sentences":[{"text":"So I can look into it and send you an email, but if we've got someone to call, that'll be quicker.","start":2377.6648,"end":2383.4448,"sentiment":"neutral","sentiment_score":-0.015517722105696088},{"text":"I just don't know off the top of my 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advice.","start":2395.7852,"end":2400.845,"sentiment":"negative","sentiment_score":-0.3364240250417164}],"sentiment":"negative","sentiment_score":-0.3364240250417164,"channel":1,"num_words":14,"start":2395.7852,"end":2400.845},{"sentences":[{"text":"No.","start":2402.7852,"end":2403.105,"sentiment":"neutral","sentiment_score":-0.23688730597496033},{"text":"Okay.","start":2403.105,"end":2403.605,"sentiment":"neutral","sentiment_score":-0.14030024409294128},{"text":"What I'll do is I'll do a little bit of research in the next half an hour or so, and I'll put you a little bit of an email about CapitalWorks for the existing or new build.","start":2403.905,"end":2414.0051,"sentiment":"neutral","sentiment_score":0.009343354459348563},{"text":"And that should give you an indication about whether it's worth trying to rush it through now","start":2414.2898,"end":2419.99,"sentiment":"neutral","sentiment_score":-0.062327146968420816}],"sentiment":"neutral","sentiment_score":-0.019482945241699263,"channel":0,"num_words":56,"start":2402.7852,"end":2419.99},{"sentences":[{"text":"Yep.","start":2420.1,"end":2420.6,"sentiment":"neutral","sentiment_score":0.023987706750631332}],"sentiment":"neutral","sentiment_score":0.023987706750631332,"channel":1,"num_words":1,"start":2420.1,"end":2420.6},{"sentences":[{"text":"and which","start":2420.21,"end":2420.69,"sentiment":"neutral","sentiment_score":0.03409202769398689}],"sentiment":"neutral","sentiment_score":0.03409202769398689,"channel":0,"num_words":2,"start":2420.21,"end":2420.69},{"sentences":[{"text":"Yep.","start":2420.6602,"end":2421.1602,"sentiment":"neutral","sentiment_score":0.03454970568418503}],"sentiment":"neutral","sentiment_score":0.03454970568418503,"channel":1,"num_words":1,"start":2420.6602,"end":2421.1602},{"sentences":[{"text":"ones you'd be able to do.","start":2420.69,"end":2422.0698,"sentiment":"neutral","sentiment_score":0.05240515138333043},{"text":"How does that sound?","start":2422.69,"end":2423.67,"sentiment":"neutral","sentiment_score":0.23551486432552338}],"sentiment":"neutral","sentiment_score":0.1256490365602076,"channel":0,"num_words":10,"start":2420.69,"end":2423.67},{"sentences":[{"text":"Yeah.","start":2423.605,"end":2423.8452,"sentiment":"neutral","sentiment_score":0.2807212471961975},{"text":"Yeah.","start":2423.8452,"end":2424.165,"sentiment":"positive","sentiment_score":0.4222106337547302},{"text":"That sounds great.","start":2424.165,"end":2425.2852,"sentiment":"positive","sentiment_score":0.7424760262171427},{"text":"Okay.","start":2425.2852,"end":2425.605,"sentiment":"positive","sentiment_score":0.5024541616439819},{"text":"Thank 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you?","start":2435.105,"end":2436.145,"sentiment":"neutral","sentiment_score":0.14816708490252495},{"text":"Greentree.","start":2436.145,"end":2436.645,"sentiment":"neutral","sentiment_score":0.08596335351467133}],"sentiment":"neutral","sentiment_score":0.13572633862495423,"channel":0,"num_words":5,"start":2435.105,"end":2436.645},{"sentences":[{"text":"Yep.","start":2436.8052,"end":2437.205,"sentiment":"neutral","sentiment_score":0.07076554745435715},{"text":"Green 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Savi","start":2446.53,"end":2446.9302,"sentiment":"neutral","sentiment_score":0.1545579731464386}],"sentiment":"neutral","sentiment_score":0.1545579731464386,"channel":0,"num_words":2,"start":2446.53,"end":2446.9302},{"sentences":[{"text":"appreciate","start":2446.76,"end":2447.24,"sentiment":"neutral","sentiment_score":0.16392384469509125}],"sentiment":"neutral","sentiment_score":0.16392384469509125,"channel":1,"num_words":1,"start":2446.76,"end":2447.24},{"sentences":[{"text":"tomorrow","start":2446.9302,"end":2447.25,"sentiment":"neutral","sentiment_score":0.26877903938293457}],"sentiment":"neutral","sentiment_score":0.26877903938293457,"channel":0,"num_words":1,"start":2446.9302,"end":2447.25},{"sentences":[{"text":"that.","start":2447.24,"end":2447.6401,"sentiment":"neutral","sentiment_score":0.10695818066596983}],"sentiment":"neutral","sentiment_score":0.10695818066596983,"channel":1,"num_words":1,"start":2447.24,"end":2447.6401},{"sentences":[{"text":"when I 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They express concern about small businesses and the potential loss of income from their hobby business. The agent explains that negative gearing is not a problem and suggests waiving some fees. The customer is considering switching to a different loan option and is considering their options. They also discuss the benefits of living in a dwelling and building a business, including the use of investment properties for investment purposes and potential tax savings. The speaker suggests fixing shed or renovation projects and mentions their usual tax accountants and advertising. They plan to send an email with more information and thank the other speakers."},"intents":{"segments":[{"text":"I was ringing up today because I am hoping to have a quick gun with you about, you know, what's going on financially in my little world over here. So Yeah.","start_word":21,"end_word":51,"intents":[{"intent":"Discuss financial situation","confidence_score":0.5014627},{"intent":"Discuss financial situation","confidence_score":0.07883316},{"intent":"Discuss financial situation","confidence_score":0.7094713}]},{"text":"But, you know, I mean, look, it's it's still on the market. It's still well, as far as I know. But, anyway, I've kind of sort of been umming and ahhing, and I basically still haven't, you know, put my money where my mouth is as far as, like, getting an investment property Yeah.","start_word":110,"end_word":163,"intents":[{"intent":"Discuss investment property","confidence_score":0.31055516}]},{"text":"So I guess my question is is with the financing of that, like, the when I've spoken to my broker, she has said that they will do, like, a separate loan.","start_word":225,"end_word":255,"intents":[{"intent":"Discuss financing","confidence_score":0.38098392}]},{"text":"So I guess my question is is with the financing of that, like, the when I've spoken to my broker, she has said that they will do, like, a separate loan. I I guess I just wanted to sort of speak to you in regards to, like, the capital gains changes that are coming in.","start_word":225,"end_word":279,"intents":[{"intent":"Discuss capital gains","confidence_score":0.010713038}]},{"text":"So when it comes to existing properties, they've been grandfathered to existing negatively geared properties are fine. The only ones beyond that budget high point are new builds. New builds can be negatively geared, but there was a technicality at the moment with second dwelling, almost like subdivision and second dwellings that Yeah.","start_word":349,"end_word":401,"intents":[{"intent":"Clarify property requirements","confidence_score":0.10582306}]},{"text":"Well, as a loan, Two different I rentals. would probably go for them at as, like, currently as an investment, but I guess, you know, it would be I mean, I would at some point wanna go and live there. Yes. Yeah. Yeah.","start_word":893,"end_word":935,"intents":[{"intent":"Clarify rental options","confidence_score":0.050566047}]},{"text":"I Is remove CGT yeah. possible? But c c g t is possible. Yeah.","start_word":1051,"end_word":1064,"intents":[{"intent":"Remove cgt","confidence_score":0.3638777}]},{"text":"But c c g t is possible. Yeah. Like, you can you can waive a few things in and out there by, obviously, like, moving into the property and Yep. triggering the rules and things like that.","start_word":1057,"end_word":1093,"intents":[{"intent":"Waive cgt","confidence_score":0.20323642}]},{"text":"Like, you can you can waive a few things in and out there by, obviously, like, moving into the property and Yep. triggering the rules and things like that.","start_word":1065,"end_word":1093,"intents":[{"intent":"Trigger rules","confidence_score":0.04720168}]},{"text":"It's the cash flow side of things, making sure that it's either positively geared or you can get by without the tax deductions for that part. 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I don't it doesn't cost me a great deal to to run it and manage it. Yeah.","start_word":1482,"end_word":1532,"intents":[{"intent":"Manage business","confidence_score":0.34760708}]},{"text":"But how, I guess, like so if if I wanna kind of I try and protect myself from getting some kind of bill from the ATO, Yep.","start_word":1588,"end_word":1614,"intents":[{"intent":"Protect self from bill","confidence_score":0.1402493}]},{"text":"Is that, like, the business tax and my personal tax, or do they just go together anyway?","start_word":1680,"end_word":1696,"intents":[{"intent":"Discuss business taxes","confidence_score":0.00027349498}]},{"text":"Like, I haven't signed a quote to get this build, which is, like, a modular. It'll take twelve Yeah.","start_word":2041,"end_word":2059,"intents":[{"intent":"Complete quote","confidence_score":0.90100294}]},{"text":"But, like, for a bank to approve that, is it quicker than it would be for, like, a settlement for, like, an existing house? Do you know?","start_word":2061,"end_word":2087,"intents":[{"intent":"Approve lending","confidence_score":0.170428}]},{"text":"But, like, for a bank to approve that, is it quicker than it would be for, like, a settlement for, like, an existing house? Do you know? For Not them sure.","start_word":2061,"end_word":2091,"intents":[{"intent":"Confirm building process","confidence_score":0.0025544765}]},{"text":"year? I Or am.","start_word":2189,"end_word":2192,"intents":[{"intent":"Inquire about financial status","confidence_score":0.004411646}]},{"text":"So I'm just sort of, like, now I'm just wondering if I because, I mean, I'm pretty sure, like, any kind of loan, like, for an existing property would take about two months on average. Like, I think it's twenty one days minimum. Like, Yeah.","start_word":2468,"end_word":2512,"intents":[{"intent":"Evaluate mortgage options","confidence_score":0.033061754}]},{"text":"But my mother has a property in her name. However, she is wanting to put it into myself and my sister's name through either, like, some kind of I don't know what the process is, but, hopefully, we'll only have to pay stamp duty because of her because she's owned it for a long time. Yeah.","start_word":2663,"end_word":2718,"intents":[{"intent":"Educate about property ownership","confidence_score":0.012170525}]},{"text":"So in terms of living situation, because that was big for for you as well, is your mother's home in a place that you can live in there, or are we talking about possibly moving back to the one where you built dwelling on? What would be most realistic?","start_word":3024,"end_word":3072,"intents":[{"intent":"Determine affordability and potential change in location of mother's home","confidence_score":5.7326767e-13},{"intent":"Consider moving back to a house where mother's home is owned","confidence_score":7.039346e-7}]},{"text":"Anyway, future things to worry about, but it's little things like that too. What Yeah.","start_word":3307,"end_word":3321,"intents":[{"intent":"Discuss future concerns about ownership of the house","confidence_score":0.02709203}]},{"text":"the flip Sorry. side of things, so you know how we were talking about the the dwelling that you wanna build on on the current property? Yep.","start_word":3831,"end_word":3857,"intents":[{"intent":"Plan dwelling and ancillary building","confidence_score":0.0000020819596}]},{"text":"Do you know how much you would get for that rental once it's built?","start_word":3858,"end_word":3871,"intents":[{"intent":"Provide cost and details","confidence_score":0.00021834247}]},{"text":"So, like, through a build up. Yes.","start_word":4005,"end_word":4011,"intents":[{"intent":"Build up","confidence_score":0.059009075}]},{"text":"let's say you're getting $2,000 a month for your hobby business. Yep.","start_word":4057,"end_word":4068,"intents":[{"intent":"Get $3000 per month","confidence_score":0.0037176718},{"intent":"Have $300 a month","confidence_score":9.621352e-8}]},{"text":"Now if you get this dwelling built and there's a loan for that, you're Yep. getting $4.50 a week rent, but you're still getting your $4.60 from the hobby. So you're getting Yep. two sources of income. Does that make sense? Yep.","start_word":4099,"end_word":4140,"intents":[{"intent":"Obtain a loan","confidence_score":0.0033992368}]},{"text":"So you're gonna get taxed out the arse because you're getting two lots of income on top of your wages. You're just Yep. compounding three lots of income on top of each other. Yep.","start_word":4141,"end_word":4174,"intents":[{"intent":"Obtain more income","confidence_score":0.00004420001}]},{"text":"So you don't get that $4.50, but you can link in to all of the different deductions and things like that. Kind of two different pathways.","start_word":4251,"end_word":4276,"intents":[{"intent":"Link deductions","confidence_score":0.021028472}]},{"text":"Well, I I think well, because the thing is, I guess, if I actually go and live there, I would probably my my business would either have to be sold or dissolved. Yeah.","start_word":4329,"end_word":4361,"intents":[{"intent":"Sell business","confidence_score":0.1409051},{"intent":"Plan business plan","confidence_score":0.0046537165},{"intent":"Consider business plans","confidence_score":0.0028323447},{"intent":"Plan business plan","confidence_score":0.030889764}]},{"text":"Well, because if I was to go and live in that in that dwelling, you know, the new build in the exist like, the new build would it would be like, I would have to, I guess, recreate my business from the ground up again. Because Yeah.","start_word":4371,"end_word":4417,"intents":[{"intent":"Recreate business","confidence_score":0.9667616}]},{"text":"Well, I think I'll possibly gonna, you know because it's I think I'll just jump on this, like, you know, second building, ancillary building. I think it'll I think they took take about twelve months to actually build anyway. Yeah.","start_word":4698,"end_word":4737,"intents":[{"intent":"Evaluate building plans","confidence_score":0.00077316945}]},{"text":"to be honest.","start_word":5160,"end_word":5162,"intents":[{"intent":"Discuss tax deductions","confidence_score":0.024618173}]}]},"sentiments":{"segments":[{"text":"Hey, Tommy. How are you going?","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.2388339638710022},{"text":"Hi. I'm doing fantastic. How you been?","start_word":6,"end_word":12,"sentiment":"positive","sentiment_score":0.6225929260253906},{"text":"Yeah. Look. I'm okay.","start_word":13,"end_word":16,"sentiment":"neutral","sentiment_score":0.2917529344558716},{"text":"Thank you for asking.","start_word":17,"end_word":20,"sentiment":"positive","sentiment_score":0.5632002949714661},{"text":"I was ringing up today because I am hoping to have a quick gun with you about, you know, what's going on financially in my little world over here. So Yeah. Yeah. I just Yeah. Absolutely. yeah. Yeah. So I couple of things I wanted to talk about is so I haven't bought that joint because they were they were asking too much, and I was being tired. Fair enough. Fair enough. So, It happened. you know, so between the two of us, no one won that one. Yeah. But, you know, I mean, look, it's it's still on the market. It's still well, as far as I know. But, anyway, I've kind of sort of been umming and ahhing, and I basically still haven't, you know, put my money where my mouth is as far as, like, getting an investment property Yeah. and therefore offsetting what cash I do have against that loan. So what I have done is I think and I keep think I kinda briefly mentioned it to you anyway was I did get a quote for a build, like, of a of a Yeah. modular. This is for the second dwelling on Yeah. the one That's property. yes. Yep. So I guess my question is is with the financing of that, like, the when I've spoken to my broker, she has said that they will do, like, a separate loan. I I guess I just wanted to sort of speak to you in regards to, like, the capital gains changes that are coming in. So is is it correct that if I Oh, yes. build at this point in time that it will be grandfathered or whatever the terminology is that I won't have to pay capital gains if I sell it? Oh, so this one's where it gets tricky and it's not very fun. I was just talking to our team about this yesterday, actually. It's really interesting that you've called. So when it comes to existing properties, they've been grandfathered to existing negatively geared properties are fine. The only ones beyond that budget high point are new builds. New builds can be negatively geared, but there was a technicality at the moment with second dwelling, almost like subdivision and second dwellings that Yeah. people Right. would have to knock down the original home and build two to qualify for Okay. the negative Just like gearing just like, side I'm a of things.","start_word":21,"end_word":429,"sentiment":"neutral","sentiment_score":-0.06506246240003476},{"text":"little bit I'm a bit confused.","start_word":430,"end_word":435,"sentiment":"negative","sentiment_score":-0.4030404090881348},{"text":"Sorry. I was with you up until about the last five words. No. Just That's like okay. so so you said that, like okay. Sorry. So you said that it with existing properties, can they can carry on being negatively negatively geared? So is there any new is it only new buyers? New new built. So if you buy a an existing home, secondhand Yep. existing home established, they Yep. won't be able to do the negative gearing, only in new build, plan builds, that type of thing. Yep. But not That's if for it's the negative the second gearing. dwelling. Correct. If it's a second dwelling, you would essentially have to knock down the first one and build two. I work. Yeah.","start_word":436,"end_word":558,"sentiment":"neutral","sentiment_score":-0.11380225419998168},{"text":"Not so good. To make them both new, if we're just talking negative gearing, not Oh CGT. my god. My brain I'm not picking up what's being put down at all.","start_word":559,"end_word":589,"sentiment":"negative","sentiment_score":-0.4185141623020172},{"text":"Sorry. My my my sweet brain's not quite registering. So are you saying That's okay. It's not a firm that legislation. basic basically, if I'm to build on my existing property an ancillary dwelling, I'm only going to be able to negative gear one of them, or none of them until I demolish the other one. Mhmm. Essentially, Is that unless what it's a full, fresh, new built property. So oh, So goodness all I'm saying me. there I is that I I was tax about to deductions come out with for some the loan? super colorful language. Yeah. Yeah. I did too. I did too.","start_word":590,"end_word":695,"sentiment":"neutral","sentiment_score":-0.16491371265805835},{"text":"What a bunch of fuckers.","start_word":696,"end_word":700,"sentiment":"negative","sentiment_score":-0.8460570573806763},{"text":"Oh, I know. Just just Oh, like I know, aren't they? oh, yeah. Yeah. While they're, you know, like anyway, it doesn't matter.","start_word":701,"end_word":723,"sentiment":"neutral","sentiment_score":-0.14041562378406525},{"text":"We're trying not to get too political at this time of the day.","start_word":724,"end_word":736,"sentiment":"negative","sentiment_score":-0.3405143618583679},{"text":"So I guess my thing is is that I'm kinda trying to suss out. There's a there's a couple of things going on as well, and I just I get trying to work out. So if if I build, like, an ancillary dwelling, would that then like, would we then if I sell it in, you know, I guess, six years, would that have would that that would would that Would would you pay that still CGT get on yeah. that? Would you still pay the CGT? I mean, if I live there for a year, like, is it is it still that six year old artist? I don't even know what that's. Does that make does that still count, the six year old? Yeah. So just walk me through it again just quickly. Are you going to be living in one portion of it and renting out the other, or they'll both be renting this? Well, as a loan, Two different I rentals. would probably go for them at as, like, currently as an investment, but I guess, you know, it would be I mean, I would at some point wanna go and live there. Yes. Yeah. Yeah. I'm just a little bit Well bewildered by it all at the minute. Sorry. I just yeah. I think one thing that might make it easier is at the moment, you're you're still renting at the moment, aren't you? yes. Yeah. So you can still claim the main residence exemption for that property. It shouldn't really be too much of a problem, Okay. especially So if you go and move back into it. okay. So so the base I I guess but I guess the point is is if I'm having to pay extra money, I actually can't use negative gearing on that Yeah. unless That's I what I remove was kinda getting unless at. I Is remove CGT yeah. possible? But c c g t is possible. Yeah. Like, you can you can waive a few things in and out there by, obviously, like, moving into the property and Yep. triggering the rules and things like that. That's not too much of a problem. It's the cash flow side of things, making sure that it's either positively geared or you can get by without the tax deductions for that part. Yeah. I don't think it's practical for you to knock a place down to build two just to get some tax No. deductions on some interest No.","start_word":737,"end_word":1153,"sentiment":"neutral","sentiment_score":-0.022482071902683313},{"text":"on a loan. That's disappointment. No. No. It doesn't make sense.","start_word":1154,"end_word":1164,"sentiment":"negative","sentiment_score":-0.5813398361206055},{"text":"Okay. No. Sorry. I'm just kind of like you know, I I sort of was thinking about all the stuff last night, and I was like, oh, I'll have to give OQ Finance a call because I'm I'm my head's all Yeah. over the place. So I guess my other question as well was about some super. So I am a little bit Yes. concerned that so because I've still got that cash sitting against, like, in a, like, a high tax thing I mean, a high interest loan I mean, Yeah. thing. A high interest account sort of not touching it. So it's getting taxed.","start_word":1165,"end_word":1270,"sentiment":"neutral","sentiment_score":-0.1681092381477356},{"text":"So and I haven't like, in my business, I probably haven't really spent a huge amount. I guess my concern is is that I'm a little bit worried that, like, when I do eventually do my tax, which I've I've I've been avoiding, Not for any specific reason, just because I hate doing tax.","start_word":1271,"end_word":1324,"sentiment":"negative","sentiment_score":-0.34683364629745483},{"text":"I'm, like, I can put, say, like, a bulk amount into my super, can I? Yes. Yep. And For that that will financial and year.","start_word":1325,"end_word":1349,"sentiment":"neutral","sentiment_score":-0.012970176339149476},{"text":"that will reduce, like and that how does that kind of so if I contribute to my super, can I I can use that as like, from my business?","start_word":1350,"end_word":1378,"sentiment":"positive","sentiment_score":0.3779442310333252},{"text":"So if I take money out of my business account and say I'm paying this towards my super, Can that be deducted? Well, I do get an income from the business. Like, it I don't I Yeah. my business is quite small. It's more like a you know, like, what they call a hobby. You know? It's Yep. So it's it's all not sole trader, personal services income. It would all count to your your personal yes. income at the end of the day. Yes. It's not, you know, cell company The type stuff. no. Most So definitely not. So yeah. so Yeah. So how it basically my income works from is that so, basically, I don't get I don't so it it's quite a good little business in that I don't have a lot of overheads.","start_word":1379,"end_word":1515,"sentiment":"neutral","sentiment_score":0.17378757894039154},{"text":"I don't it doesn't cost me a great deal to to run it and manage it.","start_word":1516,"end_word":1531,"sentiment":"positive","sentiment_score":0.436030000448227},{"text":"Yeah. So a lot of it is you know, there's not a huge amount of deductions. You know, I've got, Yeah. like, insurance That's right. There's not many overheads. and, you know, like, replacement costs, you know, a little bit of phone and, you know, all the, you know, water and whatnot, but things like that. But how, I guess, like so if if I wanna kind of I try and protect myself from getting some kind of bill from the ATO, Yep. Can I put that, like, from my business? Does that make any difference? Yeah. It doesn't make too much of a difference from my memory because, again, it's all gonna go up against your your personal income tax anyway.","start_word":1532,"end_word":1653,"sentiment":"neutral","sentiment_score":0.0923519879579544},{"text":"So that should be okay. If you were to put that in thousand dollars, claim it, it will reduce your taxable income by that much.","start_word":1654,"end_word":1678,"sentiment":"positive","sentiment_score":0.4286784827709198},{"text":"Is that, like, the business tax and my personal tax, or do they just go together anyway?","start_word":1679,"end_word":1695,"sentiment":"neutral","sentiment_score":0.006516064517199993},{"text":"But when you're a sole trader, it pretty well goes together.","start_word":1696,"end_word":1706,"sentiment":"positive","sentiment_score":0.41861799359321594},{"text":"You're not getting a Yep. corporate tax rate because there's no PTY LTV company. So you're not Yep. gonna be getting that 30% company rate. It'll all be going against your personal your marginal tax rate, which Okay. for you, I think we had you at, like, 85,000. I did make a small note in one of our conversations that you'd made, say, 12 to $15 from the the hobby business.","start_word":1707,"end_word":1777,"sentiment":"neutral","sentiment_score":-0.033440690487623215},{"text":"So Yep.","start_word":1778,"end_word":1779,"sentiment":"positive","sentiment_score":0.35514241456985474},{"text":"that may push you up to, say, a 100,000 and whatever that bracket is. And then if you put $10 in your super, drops your taxable income back down to the 90 and then taxes you on what's left over. Okay. And I guess the only other real way to reduce that is, like, by, like, debits, you know, costs associated with the business. Yeah. Loans and debits and things like that. Yeah. Okay. Because I mean, I don't I don't know if I really wanna put it into my suit because, you know, like, I mean, I'd rather have cash in my pocket. Is there any there's no other real sort of alternative?","start_word":1780,"end_word":1893,"sentiment":"neutral","sentiment_score":0.08476167917251587},{"text":"Not really.","start_word":1894,"end_word":1895,"sentiment":"negative","sentiment_score":-0.4230113029479981},{"text":"And that's where people start funneling things into, you know, people doing family trust and bucket companies and and distributing income to spouses and things like that. What Yep. your situation is is let's say you built that loan you were talking about before is if you're just getting clean profit from the hobby business, from your income, and from the property, they're just coming after you with the taxes for all three.","start_word":1896,"end_word":1968,"sentiment":"neutral","sentiment_score":-0.0553182028234005},{"text":"Unless you start finding ways to make it look like, you know, higher expenses, more deductions, and things like that, you don't have Well, that's what I'm worrying about.","start_word":1969,"end_word":1997,"sentiment":"negative","sentiment_score":-0.3471698760986328},{"text":"That's kind of why I'm ringing you because, you know, so, like, with me having and that's why I kind of just just out of curiosity, you may or may not know, but, like so I haven't, like, I haven't completed the quote. Like, I haven't signed a quote to get this build, which is, like, a modular. It'll take twelve Yeah. months. But, like, for a bank to approve that, is it quicker than it would be for, like, a settlement for, like, an existing house? Do you know? For Not them sure. to approve lending to build on it? Yeah. Like Yeah. It'll be a bit quicker. It'll be a bit quicker. They'd obviously have all the existing, especially if you're doing the same back. They've got all the existing dwelling details, talking about what you wanna get out for the equity release and the other one. Do you go through a specific broker or just bank? Or I get her barcode. Mhmm. Yeah. Yeah. It shouldn't take too long to do it, but are you are you trying to get it done before Well, I financial I yes. year? I Or am. And this is yeah. That's yeah. I am.","start_word":1998,"end_word":2200,"sentiment":"neutral","sentiment_score":-0.01687663421034813},{"text":"Because I I kind of you know, I've had this in my head. Like, you know, I just feel like a fucking idiot because, like, I haven't actually fucking done anything yet. And, you know, like, you know, I'm kind of, I guess, you know, wanting to, you know, act base you know, act smartly and not get burnt.","start_word":2201,"end_word":2259,"sentiment":"negative","sentiment_score":-0.4550850093364715},{"text":"You know, Yeah. because I do have additional ink you know, like so I've got my my current income's at about 87 k just from my general employment, then I'm you know, I think my business, like, income has gone you know, like, I've just got an additional contract. So it's probably I'm getting maybe, like, two grand a month. You know? Like but on average, it's been like so what is it like? So the majority of the last twelve months has been what? Say, 1,600 a month. So whatever that adds up to. Yep. But, like, you know, so that on top. And then I've had this bank account that's, you know, earning me interest. And just paying savings on it. Yeah. And so and so I'm even though I'm getting taxed on that, it's still adding to my income. Yeah. Exactly right.","start_word":2260,"end_word":2404,"sentiment":"neutral","sentiment_score":0.004245504531367072},{"text":"So I'm just sort of like you know, I kinda guess I've been holding off because I haven't really sort of known what the fuck I'm doing. But at the same time, like, I I don't wanna shoot myself in the foot and then have to pay the fucking government Yeah.","start_word":2405,"end_word":2455,"sentiment":"negative","sentiment_score":-0.4028279781341553},{"text":"any more taxes, especially when I wanna do something anyway. You know? So I'm just sort of, like, now I'm just wondering if I because, I mean, I'm pretty sure, like, any kind of loan, like, for an existing property would take about two months on average. Like, I think it's twenty one days minimum. Like, Yeah. And the interest won't have accrued much in between now and well financial no. year anyway. No. But I'm thinking, like, with costs associated with a bill, it might actually be able to sort of, you know, like, take a whack out of it. I don't know. Yeah. Potentially. Because at the end of the day, don't wanna be hiding it in the super where it's locked away until 60 So No. just That's to fine. avoid that little bit. Because that's that's twelve years that you could be accessing that for these other goals. Definitely Yeah.","start_word":2456,"end_word":2609,"sentiment":"neutral","sentiment_score":-0.1207623928785324},{"text":"don't do that.","start_word":2610,"end_word":2612,"sentiment":"negative","sentiment_score":-0.4806693792343139},{"text":"Yep. Alright. So I think I'll try and go with that then. And I just I'm gonna bite the bullet and go for it.","start_word":2613,"end_word":2636,"sentiment":"neutral","sentiment_score":0.21829690039157867},{"text":"Because I've also potentially got and I don't know how this will impact my finances and if you can maybe give me any sort of foresight.","start_word":2637,"end_word":2662,"sentiment":"negative","sentiment_score":-0.37488049268722534},{"text":"But my mother has a property in her name. However, she is wanting to put it into myself and my sister's name through either, like, some kind of I don't know what the process is, but, hopefully, we'll only have to pay stamp duty because of her because she's owned it for a long time. Yeah. So have you got any kind of, like just, again, a heads up for me in regards to because, I mean, if if the value of a that property then goes into, like, my name and we have a 50% thing of it each, I think the property is, you know, potentially worth maybe 600 at the at the most. Yeah. Do you have any kind of, like, watch out for this? Or is this I mean, do you Yeah. know what I mean? Like, A few. is that like a how long is a piece of art question? Yeah. Oh, shit. I'm I'm picturing it in my mind at the moment because anytime that you you change the beneficial owner or something, you start Yeah. to get some issues. What what's gonna happen for you in the future that you're gonna be very careful on is I'll come back to this in a sec. So let's say your mother gets the property into you and your sister's name. You've now Yeah. got this other asset that you've got partial ownership. Yep. So now you've got two properties, and let's say Yep. you build that extra dwelling, you've now got, say, 2.5. Well, if Yep. it's Okay. half of the other one, you know what I mean? Three little ones. Yes. You now need to track those three properties. You're not gonna be getting away from CGT on one or two of them depending on which ones you move between. So you Yep. have to be very careful with the size and value of them and their ability Yep. to appreciate in capital value because you don't wanna be sitting in the one that's gone stagnant. And the one that doubles, you pay a heap of tax on when you sell it. Right. Yep. K? So in terms of living situation, because that was big for for you as well, is your mother's home in a place that you can live in there, or are we talking about possibly moving back to the one where you built dwelling on? What would be most realistic? Well, I would probably say oh god. That's it's a little bit high in the sky at the minute, to be honest. But I would say that the the house my my mother's place is being lived in by this woman who has been there for however long paying absolutely nothing.","start_word":2663,"end_word":3123,"sentiment":"neutral","sentiment_score":-0.020894145855676068},{"text":"It's an absolute joke. I don't wanna go into that too much.","start_word":3124,"end_word":3135,"sentiment":"negative","sentiment_score":-0.43594586849212646},{"text":"But, you know, it's kind of, I guess, been somewhat neglected. It is livable. But, you know, and I mean, it's it's a place that I would go and live. I know it would be a hard place house to sort of go to just because it's got water tanks and pumps and, Fix up. you know, Yeah. But it and, was fixer upper. yeah, she's a fixer upper. And your mom's So I already guess got it as a rental? if you you could call yeah. Yes. Yes. It is a rental, but it's, you know, it's it's a I don't even know what kind of agreement you would call it, but, yes, it was a rental, like a private rental. But prior to that, it was just a verbal agreement. Yeah. Because I'm So just thinking now straight away to those negative gearing changes. If you guys get ownership of it and you can prove that it was an investment property, yada yada yada, that might be okay. Yeah. Anyway, future things to worry about, but it's little things like that too. What Yeah. you're taking on in your name. Well, that's kind of why I'm sort of asking the question because I'm obviously your finance guy who, you know, is is the is the the person who I'm ring and, you know, it's like, Tommy. Tommy, what do So I you always do? give me the fun ones.","start_word":3136,"end_word":3376,"sentiment":"neutral","sentiment_score":-0.02071871747614437},{"text":"I think you give me the most fun ones out of anyone.","start_word":3377,"end_word":3388,"sentiment":"positive","sentiment_score":0.48531609773635864},{"text":"I've got this big this big running document with all the notes that I take from our conversation, and it's a rainbow of different colors that I highlight from it of Yeah. interesting little tidbits that I can talk to the team about. Yeah.","start_word":3389,"end_word":3432,"sentiment":"neutral","sentiment_score":0.20541727542877197},{"text":"Oh, well, that's good. That's good. I'm glad to be a case model a case study.","start_word":3433,"end_word":3448,"sentiment":"positive","sentiment_score":0.6125712990760803},{"text":"Yep. So so yeah. So I guess in that, like, question so so you're saying that if the property has always been a investment, we could potentially, even if it's changed into our names, they used to do negative gear. Possibly. I'll have to confirm Possibly. that because, again, it's all recent changes. But if Yeah. it was always used for investment purposes, and I Well, guess it that wasn't the issue it would wasn't be always. taking We up any we debt. did used to live there, but no one in the family's lived there in the last six years. And there's no loans left on it? No. There's no loans on it. No. So then oh, okay. I was just thinking of the idea of borrowing to purchase that property from your mom. Borrowing to purchase. Yeah. But that's not gonna work because it's an existing dwelling. You're not gonna be able to do that. Because if there's no loan to take over, you won't be able to make it. Okay. No. Alright. The flip side of things, which is probably a bit more attractive for you, we'll we'll have to keep an eye on the details of your mother's home. Do you know when that's happening? When she's looking to do that? So I think so, basically, between, you know, between you and I and the wall, Tommy, the only reason that my mother is wanting to flip it to us as her daughters is because the government has taken her pension off her. So regardless of the fact Right. that she's really received no income for it, predominantly over the last ten years or more, yeah, because of its value, it's and it's her like, she owns both her primary residence and that property as, like, she has paid for that, you know, like, however many years ago now.","start_word":3449,"end_word":3761,"sentiment":"neutral","sentiment_score":-0.10988484251613434},{"text":"So but because of the value of it, it's gone up, and so it's impacting her pension.","start_word":3762,"end_word":3778,"sentiment":"negative","sentiment_score":-0.4511514306068421},{"text":"Gotcha. So that Gotcha. is Gotcha. the only reason that she is wanting to flick it into our names, not because we will actually do something positive with it potentially. Yeah. Yep. But that's beside I get the point. you. I'm trying not to dwell on that thing. But Well, on yeah. the flip Sorry. side of things, so you know how we were talking about the the dwelling that you wanna build on on the current property? Yep. Do you know how much you would get for that rental once it's built? Well, I reckon we would probably get maybe well, yeah. I reckon, like, maybe $4.50. And that would probably be at a high, like, probably because it would only be, like, a little two bedroom. You know? And when I say it because of the current, like, it's it's be gone it's gonna be an ancillary building, so it's it's only allowed to be, like, 70 square meters. So it's not gonna Gotcha. be a big Gotcha.","start_word":3779,"end_word":3948,"sentiment":"neutral","sentiment_score":-0.06759065389633179},{"text":"it's not a big joint, you know, which is kind of a fucking rip off.","start_word":3949,"end_word":3963,"sentiment":"negative","sentiment_score":-0.4579395353794098},{"text":"But anyway, like, Yeah. you know and it's like 300 and you know? So it's like 360 odd thousand for a, you know, 70 odd square meter modular home, but which includes all the, like, approvals and things like that. So, like, through a build up. Yes.","start_word":3964,"end_word":4010,"sentiment":"neutral","sentiment_score":0.00724275137713932},{"text":"But, you know, but quite expensive really considering what the actual building is.","start_word":4011,"end_word":4023,"sentiment":"negative","sentiment_score":-0.33916619420051575},{"text":"So the I reckon, like, at the absolute most, I reckon we'd possibly get, like, Right. $4.50. So tonight just to get Yep. your head in the mind space of it. So Yep. let's say you're getting $2,000 a month for your hobby business. Yep. That was one of the things that you mentioned possibly for a contract. So let's just use that as an example. 24,000 a year, it's about $4.60 a week. Yep. Now if you get this dwelling built and there's a loan for that, you're Yep. getting $4.50 a week rent, but you're still getting your $4.60 from the hobby. So you're getting Yep. two sources of income. Does that make sense? Yep. So you're gonna get taxed out the arse because you're getting two lots of income on top of your wages. You're just Yep. compounding three lots of income on top of each other. Yep. Okay. The flip side is just for argument's sake. Let's say you build that dwelling and you run the hobby business out of it. And every single thing to do with that hobby business is I need this expense. I need this space, electricity, Internet, whatever it is for the business, and you start tying it in with the business to get lots of deductions, but you've got a loan to repay because you've built it. So you don't get that $4.50, but you can link in to all of the different deductions and things like that. Kind of two different pathways. You know what I'm saying? Yep. Yep. Okay. Like, build the business up within that tax effectively and use that and actually try and grow that thing somewhere or get an extra source of income, but just know that you've now got a third source to be taxed. Okay. Okay. Alright. Well, I I think well, because the thing is, I guess, if I actually go and live there, I would probably my my business would either have to be sold or dissolved. Yeah. Is So that I guess to to afford it? no. Well, because if I was to go and live in that in that dwelling, you know, the new build in the exist like, the new build would it would be like, I would have to, I guess, recreate my business from the ground up again. Because Yeah. it's a it's a plant hire business. It's not like so, you know, the offices that I have here in Broome that I go and do plant maintenance for, Yeah. you know, they are in Broome. So unless I, you know, am flying in and flying out, which wouldn't be all bad, that I would probably have to you know, if I I'd either have to sell or dissolve my business. Yeah. That wouldn't be ideal because alright. So that one that option goes out the window because one of the things that my mind started going to was if you Yeah. go to that property, build the dwelling, build the business, all of a sudden you start leaning in the next five years towards a bucket company. And, you know, trust with a bucket company and all of a sudden everything to do with the rental and the business and everything is all tied into those entities. But Yeah. if that all stops and all of a sudden you build it and you've got a loan, you've got an expense, and then the income's not coming in, I I wouldn't bother with that. It could be more of a come back to that in a few years type thing. Okay. So I guess, like, I guess but if there was some, like so say, for example, that say it was somewhere where I could build my business up, I could then go ahead and do that. Like, I could sort of contemplate doing that. Yeah. Anyway, It's we might one of need those to things leave where that one for a minute. yeah. I think so. Okay. Alright. Well, I think I'll possibly gonna, you know because it's I think I'll just jump on this, like, you know, second building, ancillary building. I think it'll I think they took take about twelve months to actually build anyway. Yeah. Yeah. Look. It's adding some assets. It can be used in a couple of different ways. I think you've been leaning in that direction for a while now, so it it definitely makes sense to to give it a go if you think the Yeah. occupancies there and the figures make sense. Yep. Yeah. Yeah. Okay. Alright. Well, I mean yeah. Okay.","start_word":4024,"end_word":4798,"sentiment":"neutral","sentiment_score":0.003077832998767976},{"text":"Thank you.","start_word":4799,"end_word":4800,"sentiment":"positive","sentiment_score":0.4056077897548675},{"text":"I think I I don't know. I still am like a confused little deer in the headlights over here, but that's I appreciate Yeah. Look, your Claire, it's it's one of those things with the government. They change this legislation. Everyone's gonna try and figure their way through the weeds a little bit, But yeah. we've got a bit better idea about what not to do, which is good. Got a bit more leaning in a direction, which is good. And if I come up with any new ideas, I'll I'll give you a call. And, yeah, there's a few different moving parts you've got between your property and the other ones. So Yeah. keep leaning where you're leaning, and things will start to paint the picture over time. And when I come up with some new ideas, I'll let you know. Alright.","start_word":4801,"end_word":4943,"sentiment":"neutral","sentiment_score":0.032355617731809616},{"text":"That sounds good, Tommy.","start_word":4944,"end_word":4947,"sentiment":"positive","sentiment_score":0.47262880206108093},{"text":"Alright. Go, Jane.","start_word":4948,"end_word":4950,"sentiment":"neutral","sentiment_score":0.2984870672225952},{"text":"Cool.","start_word":4951,"end_word":4951,"sentiment":"positive","sentiment_score":0.370181679725647},{"text":"Alright.","start_word":4952,"end_word":4952,"sentiment":"neutral","sentiment_score":0.32381555438041687},{"text":"Thanks, mate.","start_word":4953,"end_word":4954,"sentiment":"positive","sentiment_score":0.4682191908359528},{"text":"Alright.","start_word":4955,"end_word":4955,"sentiment":"neutral","sentiment_score":0.2916123867034912},{"text":"You have I a good will afternoon.","start_word":4956,"end_word":4962,"sentiment":"positive","sentiment_score":0.3517047166824341},{"text":"be that's okay. I'll catch you in a few months for review. End of financial year, we'll just leave that. Sorry. Really, with as far as super anyway, look, well, I don't really wanna throw away my super. I'd rather put it like, I'd rather have access to it. So I think that's you Yeah. know, if Yep. I I'm can with potentially you. sort of, you know, get this rushed through and I mean, it's not like it's being rushed through. I've been, you know, sort of looking at it for months, but, you know, obviously, it's now at that time at end of year. You know, I'm just like and I just wanna be Yeah. able to sort of, you know, I guess like, what what kind of sort of like, if that can be sort of, say, approved, like, within, you know, the four weeks, I mean, what kind of tax stuff can I like, stamp duty and things like that or whatever what kind of monies would I be sort of looking at even being able to, you know, use as deductions I don't think against there'd be my very personal much, tax? to be honest. I don't Yeah. think there'd be very much. Yeah. I don't think you've Yeah. gotta Right. So rush what it. if so I what think about, like, no so so even, like, fees for, like, council approvals and things like that? Maybe. Maybe. Maybe. Hang on. Okay. More investment, didn't they? Well, your property is yeah. So this is one of the ones that when you're building it, you're carrying Mhmm. forward a lot of claims for when it does produce an income. So you get all these expenses and capital works that you did to build that rental property. Yep. Expenses now. You're not reducing your income for this financial year. You're doing it for when it's built and rented. Okay. Provided your property is held to produce an assessable income in that year. Okay. So no no need to hurry. Not gonna Yeah. make any Loans difference anyway. and borrowing expenses, that can be done over many different years. Advertising for tenants and someone so that comes later. Council rates and things like that. Yeah. Okay. I'm guessing maybe the only Nothing other major. thing is. Yeah. Okay. And the other thing I can think would be to actually, you know, like like, fix a shed or something, like, a small renovation. I don't know if that would Potentially. No. no? Not until that place is once that's built, What about the you can existing you one? can do some work on it. Like, the existing one that's in my name? Like, if I was to say, like, put a, you know, brand new $10,000 oven in there, Oh, yeah. Yeah. Yeah. is that is that tax deductible? Because it's an investment. Must be. Yeah. Well, I've been hit with all the repairs on my place, and it's like a new Right? air conditioner and all this kind of thing for that count. Do you have do you have an accountant that you can give a call for me, Yeah. Sorry? Or you're still looking for one? Do you have an accountant Accountant. that you could call for? No. I have an account I've Alright. just got a I've just got a tax accountant. Yeah. Right. So I was gonna ask them about the capital all that up, but the capital works for the place that you're building, and the capital works for the listing place, how those two are treated differently. Okay. So I can look into it and send you an email, but if we've got someone to call, that'll be quicker. I just don't know off the top of my head. Yeah. No. Well, I don't have an accountant as such. Gotcha. Gotcha. So, yeah, it's just my regular tax accountant, and they don't give any advice. No. Okay. What I'll do is I'll do a little bit of research in the next half an hour or so, and I'll put you a little bit of an email about CapitalWorks for the existing or new build. And that should give you an indication about whether it's worth trying to rush it through now Yep. and which Yep. ones you'd be able to do. How does that sound? Yeah.","start_word":4963,"end_word":5695,"sentiment":"neutral","sentiment_score":-0.020563361593261668},{"text":"Yeah. That sounds great. Okay. Thank you. Thanks for that, Tony. That's okay, Claire. Alright. I love a good brainstorm, Still mate. got your Thank you. I oh, it's my favorite.","start_word":5696,"end_word":5726,"sentiment":"positive","sentiment_score":0.5305349826812744},{"text":"Gmail green. still okay for you? Greentree. Yep. Green tree. Yep. Greentreeroombroom@Gmail.com. Yep. That's it. Yeah.","start_word":5727,"end_word":5742,"sentiment":"neutral","sentiment_score":0.10471992194652556},{"text":"Cool.","start_word":5743,"end_word":5743,"sentiment":"positive","sentiment_score":0.35181325674057007},{"text":"I'll have a No. chat I with Savi appreciate tomorrow that. when I see I him.","start_word":5744,"end_word":5759,"sentiment":"neutral","sentiment_score":0.11309781670570374},{"text":"appreciate that a lot. Thank you for your time. That's okay. You have a good night, and just put me an email back if you got any questions. Cheers.","start_word":5760,"end_word":5788,"sentiment":"positive","sentiment_score":0.5315843224525452},{"text":"Okay.","start_word":5789,"end_word":5789,"sentiment":"neutral","sentiment_score":0.30256468057632446},{"text":"Thank you. Thanks, Tommy. Have a goodbye. Thanks, Claire. Bye.","start_word":5790,"end_word":5799,"sentiment":"positive","sentiment_score":0.5078211426734924}],"average":{"sentiment":"neutral","sentiment_score":-0.026869487716223623}}}}