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Great to be chatting to you today. Absolutely. Yeah. Yep. Just around the same time as the the old baby came out and everything like that. So we've got Josh, she's doing fantastic. She's at a point now where she's rolling over and smiling and giggling and all that kind of thing, so she's keeping her brothers occupied. Yeah. Yeah. Everything's pretty well routine and stable in terms of sleep and feeding and growing and all the rest of it. So no health concerns or anything, to be honest. Yeah. Absolutely. Now while I've got you, James, I'm gonna pop through this email to you, and I'll just go through the usual quick security check with you. Could I just grab your date of birth and address? Sensational and residential address. Sensational. Perfect. And while we're on the topic of Victoria, I believe the the election's coming up soon, isn't it? Cool. Awesome. Alright. So I know we're keeping our eyes closed on it. Yep. So those two are just our updated service guides that we've got now with all the new licensing details and everything that we've updated in June June, July. It's it's going pretty great at the moment. We have our new structure that we've been doing since Christmas time with pods of teams that work very closely together, and things are moving a lot faster, a lot more efficient. We are using a bit of technology at the moment with that new system that we're using. And the main holdup for us is always paperwork, trying to generate thousands of pages of paperwork. So the quicker we can do that, the quicker we can have the good conversations and move on and actually get things going. That one's come through signed for me, James, so thank you for doing that. I'll pass that off to the team. And you should get an email with a signed copy of those documents as well. Perfect. I might just quickly update you on what I'm doing, and then we can swing over to the property chat if that's okay. So I have put in there for the AMZ to be doing some rollovers every six months just with the high level of contributions you've got. I'll have that as a reminder for the team to move that twice per year so that will go a little bit quicker. I have dropped down your risk level to that more moderate level we were talking about from 60% to 50% growth assets. Yeah. It depends on when when when when. If you stay in 50% and something major happened six months before we want to access the funds, that can be quite a delay of about twelve to eighteen months. If it happens in the next six months, you're pretty well fine. It's actually yeah. I think the volatility around March was a lot more extreme than what it currently is. I see the upcoming news events to create further shocks, but I don't see anything where it's more volatile than it was a few months ago. Yeah. I'm with you. I'm having a look at the I usually use a bit of a peak to trough as an example for you. So you had a peak to trough drop of about 9%, which January 16 to March 23 is kind of that couple of months, just over two months where it happens. Dropping it down the way we're doing would have gotten that to more around the 6% mark, which is pretty good. If we experience something quite major, it could be kind of double the size, which I would then expect us to hit a little bit into the double digit space just. Probably about 25%, maybe a little bit less. No. We're ahead now. It's had enough of a bounce back that it's into the positive. Actually, let me just have a quick look at some It's just clear 5%. Yes. Exactly right. Correct. Which I think we had the drop down to balance towards the end of last year. Yeah. Correct. One other thing to factor into when it comes to the volatility is as we swing you down to 60% growth assets, 50% growth assets, you're also getting buoyed up by the income returns. So the dividends of the stocks, the term deposit yields, the bond yields. So that's pushed it to the point where you're looking at single digit volatility for the same period of about three to five percent, but still hitting that seven to nine average. So that's gonna minimize it quite a bit, I think. At the moment, you've got the 1.1% in the cash account, which is like a bank account alongside it, and then you've got 10% in high interest cash. You have 15 in, like, term deposits, another 10 in bonds. So let's call it 10% in high cash, 25 in fixed interest. Yep. Now we're gonna push that to around about the 50 mark in terms of mainly fixed interest and bonds. The cash will sit at about 20. K? So those ones still four to six would be the aim for that portion. And if you can get that kind of nine or 10 from the growth assets, that still hits you the 7% average or above. I've had to do a bit of a change to one of your defensive assets. I don't know if you recall when I talked to you about the bank hybrids. Yeah. It's the only switch I'm doing is that we're trimming some of the growth assets to put them in the defensive, but the bank hybrids we're switching to something a bit more inflation linked. So if inflation stays high, you'll benefit from that as well. Yeah. And the government's phasing out these hybrids. The RBA is gonna raise interest rates again to try and curve it. I think either way, we're gonna get some benefits from a few different spaces, which I don't mean to use the buzzwords, but diversification is gonna be key for the next twelve months for you. No. That's alright. I'll keep an eye on it as always. And, again, I'll I'll try and get some catch ups at a good interval in time, but any changes when it comes to the equity release and property for you? I like the sound of that. Yep. Yep. K. K. Yep. Yep. Perfect. K. Okay. Yeah. Yep. Yeah. I think that's sounding pretty good because we wanted to try and end with, again, trying to get out of that negatively geared property that's been weighing you down as an anchor, get you into a place, and either maintain that one good investment or capitalize on it when it's appropriate to do so. So it's sounding like we've finally got some openings there, whereas six to twelve months ago, there wasn't much opportunity to move around, and you were kind of stuck with it. Yes. Yeah. Yeah. K. Yeah. Yep. And I think given what you can generate from the super, which is why we're going to the protection route, with the PPR there, that solves a lot of the cash flow issues that we were worrying about. Yeah. I think this is a point in your life where if we take on any unnecessary risks, there could be a a definitely an element of regret that could come up from that. Whereas I feel like you're in a position where the confidence and probability levels of hitting those goals that we're aiming for is becoming a closer certainty every month that we get closer to those dates. So you're one of those people there where if I can finish off that last period of growth without a huge loss, then you will be in a very comfortable position where you're not gonna have to worry too much about the money side of things with the PPR and with the funds that you can tap into over time for decades. The risk that I've got is if we go into anything hyper specific, like, for example, a commercial property with your super, that could us back. And on the flip side, I remember during COVID when defensive portfolios were not as defensive as people thought they were. So I had people who had moved from, you know, in New Zealand with a million dollars, and their defensive conservative portfolios were dropping into the double digits, and they were losing $2,300,000 at the finish line. So not to be a bearer of fear, but my main thing is to get a seven or 9% return is quite easy to do. When the market goes up, I need to make sure that there's no significant losses in those next three years. A 100 percent. I don't think we should do anything sort of tricky or flash outside of that. I think once we've gotten you to that 750,000 coming on 800 thousand mark is we start transitioning it into something quite safe so that the capital is preserved. Yeah. Yeah. I think well, because you'll have these properties bouncing between this financial year, possibly into next financial year, you'll have to have two two returns of as much as possible. Yeah. Yeah. I there's a couple of people I have in mind. Both of the people I have in mind are good enough that off the top of their own head, they could run through a 20 conversation with you and point out things to lean heavier into and things to watch out for. I think it's worth at least speaking to one or both of them to see if it's a personality fit as well. A couple of principles that I think would be very good good for you. Yeah. Go for it. It's normally done between parties in terms of letter of engagement, then they transition information across. You bring in your information to, like, your tax return, for example. Yeah. Yeah. Well, to the very least, they could see the previous returns. So I'll give you an example. One of the people that I just went with my own, he just hopped on and looked at my previous returns and said, you've been missing out on this, this, and this. And then I brought in all my paperwork for the properties and everything and all the investments I've been doing, and he just looked at it for about five minutes and then punched it all in and said, okay. You need to lean into these areas and asked me some very creatively worded questions, which helped me out quite Correct. It's all federal tax laws. Sorry. There are obviously state laws in terms of properties and stamp duties and things like that, but it's all federal. And, again, someone can look at the same situation and go quite differently with it. Yeah. Yeah. We've got a couple years left to to benefit from the assets that you've got. And then once they're disposed of, you won't have those opportunities again. And the last thing you want to be doing is trying to go back and redo previous tax returns. Yeah. Yeah. Do you have any currently outstanding returns, or would this be more for when we hit June? Okay. So that still needs to be sorted. Yep. Okay. Give me a few days to think through, and I will send some some emails. What I'll do is I'm gonna send you the details of the Okay. Yeah. Cool. Because we're only a couple of months in to pass those due dates, and you've got quite a while. Okay. To make it easier, what I'll do is I'm gonna send you the details of both. And then rather than just doing an introduction like I would normally do, I would like to see how you go when you speak to them in terms of service experience, booking in, and how those conversations go. So I would like you to have both information there in case one doesn't go well. I think one of the two would be perfect. No. It's more about availability more so because most of these guys are around the Gold Coast. They do service nationally as well. But if they can do it via Teams, via phone, and give you that good conversation that you need, even a bit of an analysis, that would be great. Either if you were in the Gold Coast, it would be quite easy to just drive down the road from our office and you'd be there. Yeah. Okay. Let me reach out to them, and I'll see who's got some availability to speak to you. Yeah. I'll do that. Alright. Just made a quick note on the file. Yeah. Go for it. Yep. Good. Yeah. Especially given the risks currently, it would be nice to be on top of. Market options at the moment would be very handy. Yeah. Yeah. Correct. Do we keep it offloaded? Right. I'm gonna have to do a little comparison between those two, to be honest, because I know the expiry dates is going to be quite a thing. Because I'm having a look. We got the ANZ one. There's not too much coming out of the ANZ one. It's the Ascender that's probably the highest premium. Yeah. I mean, the ANZ has got the life insurance and things like that. It's got the rebate in there through the super. It's the the Ascender is probably the one of most concern. Just having to think between the two. You've got the greatest opportunity to claim on an ascender type policy. You've got the better quality behind it. That's for sure. Yeah. And it just wiped it out. K. And you still got that issue with the ANZ one too where they've got the the identical amount of life and disability insurance. So a claim on those would wipe the other one out, but the premiums aren't too high for the amount that you've got too. I think we were looking to keep the running for a few more years. Definitely. Yeah. And then consolidate it once. Yeah. And I think what we were talking about was keeping it going at least for the time being, but once all the debts are cleared and the super is built up and you don't need the lump sum cover on top, you get to a point where you've got enough funds and capital behind you that you can just hit the retirement button and not need to pay the premiums for it because you have all the capital already behind you. So that would be the main thing on the ANZ one. The salary continuance, to be perfectly honest, we've only got a couple more years of the high income, the high contributions that the salary continuance is backing, and it was very, very important when you had when you've got so many properties to to worry about. As those properties close down and as we get close to that retirement point, the salary continuance will become essentially moot moot past couple of years' time. I need to have a look because I'm not seeing the second one. And it's carried across to the sender name change and like that. Yeah. Gotcha. That's what I wasn't seeing. I do apologize. I'm looking at the super statement. Yeah. So you got that portion coming out of the. Gotcha. That'd be great. Yeah. Yep. Yeah. It was weird. Yesterday, it had the hard switch straight into 34, and then the wind picked up to such a high degree that it went straight back down overnight. It's a bit all over the shop. Yeah. It's the the wind seemed to knock a few things out, and it was quite quite out of nowhere. Reminds me of North Queensland for a little bit. They call Bowen, and it did come in a twenty four hour period. And I was just like, okay. That's a bit strange. That's right. Yep. I'm with you. Which it was $39.85 last year. So it hasn't actually gone up very much, which is fantastic. So that's the salary continuance paid through out of your salary at the moment. When you mentioned the the group policy, have they got a corporate name attached to this one? Or at the very least, would you be able to forward that document to me? Because if I can even find the type of name, I can look up a product disclosure statement and go for that. Fantastic. I'm just having a look through some of our archives in the meantime. Yep. K. That would be the premium that came out of the super account for the death and TPD is about 2,500. That is the account balance. That's the actual superannuation funds that have been moved across. Yeah. I'm looking at one now, but this is as of, sorry, June 30. Almost identical figures, yeah, this year. To be fair on them, this is because we do move the funds across. So if all the funds are in that account, it'd be a bit different. Yep. So that includes the balance plus the insurance cover. It's one of those ones where they lump the two together. Yeah. Yeah. Zurich has merged with one part, so they think with that. Child benefit. Yep. And when was that document dated? Sorry, James. That's right. So every birthday anniversary, they are trimming the cover down based on units. So that's why it's sitting at 288,000 as of this year when it was over 300,000 before. Your group name is the I n g group staff super plan. So that gives me the type of product and account that it is and any associated benefits attached along with it. K. That's perfect. Yeah. I'm gonna have a little look for the so let me just double check this because I don't wanna make a mistake here given my tired state. The salary continuance premium that's coming out of your salary, that is going to this I n g a n zed group separate to the Ascender. Correct? Yep. K. So I need to research the salary continuance compared to the Ascender one Because these units will continue to trim down the next couple of years and, like we said, expire at 65. And the for the Ascender one, do you have any recent certificate of currency or policy anniversary? If you could forward that to me, that would be amazing. That's okay. That would be fantastic. Thank you, sir. Do it to mine exactly if you could. So to,mm,y@OakviewFinancial. No. Just Oakview Financial, o a k v I e w f I n a n c I a l. N dot a u. Yep. I will give it a little refresh. My laptop updated this morning, and it's it is going quite slow. So I will run that as soon as I can. And, James, if you could, would you be able to forward that one to my team's inbox so it links automatically to your profile? It's usually the safest. So it just goes to contactcontact@OakviewFinancial.com.au. It'll actually tag it to your client profile, which Thank you for doing that. Really appreciate that. Oh, fantastic. Thank you. Yeah. It's basically watch out for the elections, see how you go with the PPR, monitor the market for volatility. June, we'll talk about contributions, but in between now and then, a bit of an insurance chat as well. No. No. Without the usage of the the the bring forward rules and so on for extra contributions, there's only a need to do that if for some reason you need to access a small portion while you're working, but the main thing for you will be switching over to an account based pension when you hit 65. So, normally, whenever you have any type of pension account, the the income that comes out is already tax free after 60, but it switches the earnings on the investments into being tax free as well. So, normally, if you earn a a dividend or a capital growth inside super, it's taxed 15% instead of your normal CGT rate. But once we get you into a pension account, the all the dividends, capital growth is all 0% tax rate. Yeah. Yep. So I'll give you a quick landscape, and then I'll give you my opinion because so landscape wise, you've got normal stock brokers. You know, you can go on to Comsec trading account, nav trade account, and you can buy shares. You can buy ETFs off of there. You pay brokerage, and for that, you get a collection of shares, properties, gold, whatever it is. So for example, the ASX two hundred ETF will buy you a small portion of the top 200 companies in Australia rather than buying each one individually stock by stock. The other side of the equation is a platform such as a Hub 24, an MLC, someone who offers an investment account that's like super that can give you access to managed funds, ETFs, and stocks, but you pay fees to have this full account set up and all the investment options managed for you. So the cheapest way to do an ETF is literally go on Comsec and just buy one directly for a brokerage fee of $18.25 dollars or a small percentage. You don't necessarily need to use a full platform because we're not trying to grow 50,000 to be 500,000 over the period of ten plus years. If it's only for a small period of time, you just buy it once off and then sell it when you decide to sell it. That was my next point. So with the portfolio on Hub twenty four, for example, we utilize ETFs to construct your portfolio. So each one that's in there has been carefully selected to build that overall pie chart of Australian share, national shares, gold, fixed interest, and so on. And each one invest into a single type of asset, most of them. So you already have, for example, physical gold, cybersecurity companies, term deposits, the 200, and so on. So those are good examples. Very low fee, very good performance. Some are quite selective. You know, cybersecurity companies as opposed to the overall Australian economy, you can get quite narrow. You can get quite broad with it. But there is one part of opinion that I do have to give you, James, which is my bias. Please take this with a grain of salt. With the the risks that are currently going on with the stock market and the global economies and the different countries and inflation and so on, it's quite difficult to squeeze out a double digit return out of these without a huge risk a double digit risk. Whereas on the flip side, the bank savings rates of five creeping up to 6% and even credit funds, which are paying almost 7%, pretty much guaranteed returns. To try and get an extra 2% to possibly risk half of it as opposed to just getting a guaranteed six or 7%, The equation doesn't add up for me. So I would not be recommending going into an ETF to buy something that's potentially volatile to try and get an extra one or 2% that could be better gained somewhere else for no risk. Yeah. The only way the only part I would go above cash is, for example, credit funds, which are kind of like fluctuating term deposit rates. They go up and down with the interest rates. Now the example of that is if Commonwealth is paying a 5.8% for a term deposit, they usually add on 1%, and they pay six point eight. That's as far as I would be going for anything under three years. K. Yeah. And then, Ben, it seems to also be stretching longer than it normally does. That's my concern. And just quickly too, with Crowsnest, what's the the interest rate on on that one at the moment? Yeah. No worries at all. Yeah. That's what we need too. There's too many sort of government takeovers causing, what do they call them, the the enforced undertakings is what we need. Yeah. Yeah. There's been I think all of the the major banks have had a few things recently with, you know, missing out on interest rates for offset accounts and so on and overcharging fees, and I think these things just tend to pop up every couple of years. Yeah. 5.89. Yeah. That was from the recent refinance. Yeah. Yep. And the second one? Yep. Okay. Yeah. Yep. And is that fixed? Gotcha. Okay. So that's why it's up another 30 basis points interest only. Perfect. I'll call that thirty years as well. Would that be accurate? Perfect. Yeah. I think for that, excuse me, that 6% guaranteed offset is just too attractive to pass up at this point. Yeah. Yep. Yeah. And a pretty similar amount in credit. Yeah. Yeah. If it comes somewhere you do just clear all debt, give me a call and I'll find some way to park it to get you a slightly higher interest rate than what the cash is paying, but the offset's the best place at the moment. So if you get to a point where property sale, property purchase leaves you kind of debt free with cash burning a hole in the pocket, I will find you the higher rates to park it in. Yeah. Upwards of $9.50. Yeah. K. Yeah. And I think at that point, as long as the interest rates stay above 5%, that's pretty well the best place for the funds. It'll take a while to get it down. Yeah. Yep. Bit of leeway there. Okay. Yeah. I think, definitely, James, keep it to the offset side of things until the PPR is cleared off. I can already keep as many sort of within the super environment, like I said, when I get you to that pension phase, everything I can invest the funds into, get the tax free earnings as well. Trying to get some taxable earnings for the next two years is not worth it. Better off to offset the loans for a guaranteed rate of return. Mhmm. Yeah. That'd be ideal. Absolutely. I'm just quite glad, James, that you've got some forward momentum and movement going on now because like I said, I mentioned the word stuck before, but it felt like it was a bit of a holding pattern for a year and a bit. And I hope you feel relieved that you've got some directions to move into now that are improvements. Yeah. Mhmm. Yeah. Yeah. In addition to that, though, the mindset switch between the capital and the assets and the properties, you're essentially moving into a cash flow direction where everything that we're doing is improving cash flow, and that's just as is getting rid of that negative cash flow weighing you down and the dead income in the rent and getting that going something positive, that's going to start. That's what I mean by the positive forward direction is you're not being tied into assets that are blocking your cash flow. The river can flow again, and that's what we need. Cool. Absolutely. In terms of the insurances, just briefly, I've got the ANZ, the Ascender, and I'm just having a look through the PDFs for the other salary continuance. Is there any kind of major decision you would like me to come back to you on in terms of disposing of these policies, restructuring, or keeping them? Yeah. Yeah. Exactly. And I think that's the main thing I'll focus on is I'm just gonna put them side by side. And most of the time, when people are getting salary continuance when they're 30 or 40, the question is always around which one's got the best benefit for the lowest premium. You've also now got the question of when does this expire, when can I claim on it, when can I not, And it's those aspects that I would like to put side by side so it's quite clear for you? Sound alright? Perfect. Yep. I will digest that this week. I will also send you that email introducing you for the accounting side of things while I do this. Sorry. Remind me again the structure fees for yeah. So we've input there for the next annual review that you're getting tiered fee structure input into the next agreement. So, normally, it's a percentage on the whole balance, but now we're going to be doing percentages. So above 200,000, it goes down. Above 500 thousand, it goes down as well. So I will come back to you on the insurances, then I've got to get you an updated service agreement because we have just launched it. And from what I'm looking at, it's about $700 saved. Cool. Exactly right. Everything helps. Awesome, James. Thanks. Always a pleasure, my friend. I will dive into the insurance, get you the account details, and talk to you pretty soon. Yours too. Have a great week. Thanks. 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tell me here, mate. How you been? I'm living the dream so far. I'm a a little bit lacking on sleep at the moment. I do apologize, but otherwise, in great spirits.\n\nGreat to be chatting to you today. Absolutely. Yeah. Yep. Just around the same time as the the old baby came out and everything like that.\n\nSo we've got Josh, she's doing fantastic. She's at a point now where she's rolling over and smiling and giggling and all that kind of thing, so she's keeping her brothers occupied. Yeah. Yeah. Everything's pretty well routine and stable in terms of sleep and feeding and growing and all the rest of it.\n\nSo no health concerns or anything, to be honest. Yeah. Absolutely. Now while I've got you, James, I'm gonna pop through this email to you, and I'll just go through the usual quick security check with you. Could I just grab your date of birth and address?\n\nSensational and residential address. Sensational. Perfect. And while we're on the topic of Victoria, I believe the the election's coming up soon, isn't it? Cool.\n\nAwesome. Alright. So I know we're keeping our eyes closed on it. Yep. So those two are just our updated service guides that we've got now with all the new licensing details and everything that we've updated in June June, July.\n\nIt's it's going pretty great at the moment. We have our new structure that we've been doing since Christmas time with pods of teams that work very closely together, and things are moving a lot faster, a lot more efficient. We are using a bit of technology at the moment with that new system that we're using. And the main holdup for us is always paperwork, trying to generate thousands of pages of paperwork. So the quicker we can do that, the quicker we can have the good conversations and move on and actually get things going.\n\nThat one's come through signed for me, James, so thank you for doing that. I'll pass that off to the team. And you should get an email with a signed copy of those documents as well. Perfect. I might just quickly update you on what I'm doing, and then we can swing over to the property chat if that's okay.\n\nSo I have put in there for the AMZ to be doing some rollovers every six months just with the high level of contributions you've got. I'll have that as a reminder for the team to move that twice per year so that will go a little bit quicker. I have dropped down your risk level to that more moderate level we were talking about from 60% to 50% growth assets. Yeah. It depends on when when when when.\n\nIf you stay in 50% and something major happened six months before we want to access the funds, that can be quite a delay of about twelve to eighteen months. If it happens in the next six months, you're pretty well fine. It's actually yeah. I think the volatility around March was a lot more extreme than what it currently is. I see the upcoming news events to create further shocks, but I don't see anything where it's more volatile than it was a few months ago.\n\nYeah. I'm with you. I'm having a look at the I usually use a bit of a peak to trough as an example for you. So you had a peak to trough drop of about 9%, which January 16 to March 23 is kind of that couple of months, just over two months where it happens. Dropping it down the way we're doing would have gotten that to more around the 6% mark, which is pretty good.\n\nIf we experience something quite major, it could be kind of double the size, which I would then expect us to hit a little bit into the double digit space just. Probably about 25%, maybe a little bit less. No. We're ahead now. It's had enough of a bounce back that it's into the positive.\n\nActually, let me just have a quick look at some It's just clear 5%. Yes. Exactly right. Correct. Which I think we had the drop down to balance towards the end of last year.\n\nYeah. Correct. One other thing to factor into when it comes to the volatility is as we swing you down to 60% growth assets, 50% growth assets, you're also getting buoyed up by the income returns. So the dividends of the stocks, the term deposit yields, the bond yields. So that's pushed it to the point where you're looking at single digit volatility for the same period of about three to five percent, but still hitting that seven to nine average.\n\nSo that's gonna minimize it quite a bit, I think. At the moment, you've got the 1.1% in the cash account, which is like a bank account alongside it, and then you've got 10% in high interest cash. You have 15 in, like, term deposits, another 10 in bonds. So let's call it 10% in high cash, 25 in fixed interest. Yep.\n\nNow we're gonna push that to around about the 50 mark in terms of mainly fixed interest and bonds. The cash will sit at about 20. K? So those ones still four to six would be the aim for that portion. And if you can get that kind of nine or 10 from the growth assets, that still hits you the 7% average or above.\n\nI've had to do a bit of a change to one of your defensive assets. I don't know if you recall when I talked to you about the bank hybrids. Yeah. It's the only switch I'm doing is that we're trimming some of the growth assets to put them in the defensive, but the bank hybrids we're switching to something a bit more inflation linked. So if inflation stays high, you'll benefit from that as well.\n\nYeah. And the government's phasing out these hybrids. The RBA is gonna raise interest rates again to try and curve it. I think either way, we're gonna get some benefits from a few different spaces, which I don't mean to use the buzzwords, but diversification is gonna be key for the next twelve months for you. No.\n\nThat's alright. I'll keep an eye on it as always. And, again, I'll I'll try and get some catch ups at a good interval in time, but any changes when it comes to the equity release and property for you? I like the sound of that. Yep.\n\nYep. K. K. Yep. Yep.\n\nPerfect. K. Okay. Yeah. Yep.\n\nYeah. I think that's sounding pretty good because we wanted to try and end with, again, trying to get out of that negatively geared property that's been weighing you down as an anchor, get you into a place, and either maintain that one good investment or capitalize on it when it's appropriate to do so. So it's sounding like we've finally got some openings there, whereas six to twelve months ago, there wasn't much opportunity to move around, and you were kind of stuck with it. Yes. Yeah.\n\nYeah. K. Yeah. Yep. And I think given what you can generate from the super, which is why we're going to the protection route, with the PPR there, that solves a lot of the cash flow issues that we were worrying about.\n\nYeah. I think this is a point in your life where if we take on any unnecessary risks, there could be a a definitely an element of regret that could come up from that. Whereas I feel like you're in a position where the confidence and probability levels of hitting those goals that we're aiming for is becoming a closer certainty every month that we get closer to those dates. So you're one of those people there where if I can finish off that last period of growth without a huge loss, then you will be in a very comfortable position where you're not gonna have to worry too much about the money side of things with the PPR and with the funds that you can tap into over time for decades. The risk that I've got is if we go into anything hyper specific, like, for example, a commercial property with your super, that could us back.\n\nAnd on the flip side, I remember during COVID when defensive portfolios were not as defensive as people thought they were. So I had people who had moved from, you know, in New Zealand with a million dollars, and their defensive conservative portfolios were dropping into the double digits, and they were losing $2,300,000 at the finish line. So not to be a bearer of fear, but my main thing is to get a seven or 9% return is quite easy to do. When the market goes up, I need to make sure that there's no significant losses in those next three years. A 100 percent.\n\nI don't think we should do anything sort of tricky or flash outside of that. I think once we've gotten you to that 750,000 coming on 800 thousand mark is we start transitioning it into something quite safe so that the capital is preserved. Yeah. Yeah. I think well, because you'll have these properties bouncing between this financial year, possibly into next financial year, you'll have to have two two returns of as much as possible.\n\nYeah. Yeah. I there's a couple of people I have in mind. Both of the people I have in mind are good enough that off the top of their own head, they could run through a 20 conversation with you and point out things to lean heavier into and things to watch out for. I think it's worth at least speaking to one or both of them to see if it's a personality fit as well.\n\nA couple of principles that I think would be very good good for you. Yeah. Go for it. It's normally done between parties in terms of letter of engagement, then they transition information across. You bring in your information to, like, your tax return, for example.\n\nYeah. Yeah. Well, to the very least, they could see the previous returns. So I'll give you an example. One of the people that I just went with my own, he just hopped on and looked at my previous returns and said, you've been missing out on this, this, and this.\n\nAnd then I brought in all my paperwork for the properties and everything and all the investments I've been doing, and he just looked at it for about five minutes and then punched it all in and said, okay. You need to lean into these areas and asked me some very creatively worded questions, which helped me out quite Correct. It's all federal tax laws. Sorry. There are obviously state laws in terms of properties and stamp duties and things like that, but it's all federal.\n\nAnd, again, someone can look at the same situation and go quite differently with it. Yeah. Yeah. We've got a couple years left to to benefit from the assets that you've got. And then once they're disposed of, you won't have those opportunities again.\n\nAnd the last thing you want to be doing is trying to go back and redo previous tax returns. Yeah. Yeah. Do you have any currently outstanding returns, or would this be more for when we hit June? Okay.\n\nSo that still needs to be sorted. Yep. Okay. Give me a few days to think through, and I will send some some emails. What I'll do is I'm gonna send you the details of the Okay.\n\nYeah. Cool. Because we're only a couple of months in to pass those due dates, and you've got quite a while. Okay. To make it easier, what I'll do is I'm gonna send you the details of both.\n\nAnd then rather than just doing an introduction like I would normally do, I would like to see how you go when you speak to them in terms of service experience, booking in, and how those conversations go. So I would like you to have both information there in case one doesn't go well. I think one of the two would be perfect. No. It's more about availability more so because most of these guys are around the Gold Coast.\n\nThey do service nationally as well. But if they can do it via Teams, via phone, and give you that good conversation that you need, even a bit of an analysis, that would be great. Either if you were in the Gold Coast, it would be quite easy to just drive down the road from our office and you'd be there. Yeah. Okay.\n\nLet me reach out to them, and I'll see who's got some availability to speak to you. Yeah. I'll do that. Alright. Just made a quick note on the file.\n\nYeah. Go for it. Yep. Good. Yeah.\n\nEspecially given the risks currently, it would be nice to be on top of. Market options at the moment would be very handy. Yeah. Yeah. Correct.\n\nDo we keep it offloaded? Right. I'm gonna have to do a little comparison between those two, to be honest, because I know the expiry dates is going to be quite a thing. Because I'm having a look. We got the ANZ one.\n\nThere's not too much coming out of the ANZ one. It's the Ascender that's probably the highest premium. Yeah. I mean, the ANZ has got the life insurance and things like that. It's got the rebate in there through the super.\n\nIt's the the Ascender is probably the one of most concern. Just having to think between the two. You've got the greatest opportunity to claim on an ascender type policy. You've got the better quality behind it. That's for sure.\n\nYeah. And it just wiped it out. K. And you still got that issue with the ANZ one too where they've got the the identical amount of life and disability insurance. So a claim on those would wipe the other one out, but the premiums aren't too high for the amount that you've got too.\n\nI think we were looking to keep the running for a few more years. Definitely. Yeah. And then consolidate it once. Yeah.\n\nAnd I think what we were talking about was keeping it going at least for the time being, but once all the debts are cleared and the super is built up and you don't need the lump sum cover on top, you get to a point where you've got enough funds and capital behind you that you can just hit the retirement button and not need to pay the premiums for it because you have all the capital already behind you. So that would be the main thing on the ANZ one. The salary continuance, to be perfectly honest, we've only got a couple more years of the high income, the high contributions that the salary continuance is backing, and it was very, very important when you had when you've got so many properties to to worry about. As those properties close down and as we get close to that retirement point, the salary continuance will become essentially moot moot past couple of years' time. I need to have a look because I'm not seeing the second one.\n\nAnd it's carried across to the sender name change and like that. Yeah. Gotcha. That's what I wasn't seeing. I do apologize.\n\nI'm looking at the super statement. Yeah. So you got that portion coming out of the. Gotcha. That'd be great.\n\nYeah. Yep. Yeah. It was weird. Yesterday, it had the hard switch straight into 34, and then the wind picked up to such a high degree that it went straight back down overnight.\n\nIt's a bit all over the shop. Yeah. It's the the wind seemed to knock a few things out, and it was quite quite out of nowhere. Reminds me of North Queensland for a little bit. They call Bowen, and it did come in a twenty four hour period.\n\nAnd I was just like, okay. That's a bit strange. That's right. Yep. I'm with you.\n\nWhich it was $39.85 last year. So it hasn't actually gone up very much, which is fantastic. So that's the salary continuance paid through out of your salary at the moment. When you mentioned the the group policy, have they got a corporate name attached to this one? Or at the very least, would you be able to forward that document to me?\n\nBecause if I can even find the type of name, I can look up a product disclosure statement and go for that. Fantastic. I'm just having a look through some of our archives in the meantime. Yep. K.\n\nThat would be the premium that came out of the super account for the death and TPD is about 2,500. That is the account balance. That's the actual superannuation funds that have been moved across. Yeah. I'm looking at one now, but this is as of, sorry, June 30.\n\nAlmost identical figures, yeah, this year. To be fair on them, this is because we do move the funds across. So if all the funds are in that account, it'd be a bit different. Yep. So that includes the balance plus the insurance cover.\n\nIt's one of those ones where they lump the two together. Yeah. Yeah. Zurich has merged with one part, so they think with that. Child benefit.\n\nYep. And when was that document dated? Sorry, James. That's right. So every birthday anniversary, they are trimming the cover down based on units.\n\nSo that's why it's sitting at 288,000 as of this year when it was over 300,000 before. Your group name is the I n g group staff super plan. So that gives me the type of product and account that it is and any associated benefits attached along with it. K. That's perfect.\n\nYeah. I'm gonna have a little look for the so let me just double check this because I don't wanna make a mistake here given my tired state. The salary continuance premium that's coming out of your salary, that is going to this I n g a n zed group separate to the Ascender. Correct? Yep.\n\nK. So I need to research the salary continuance compared to the Ascender one Because these units will continue to trim down the next couple of years and, like we said, expire at 65. And the for the Ascender one, do you have any recent certificate of currency or policy anniversary? If you could forward that to me, that would be amazing. That's okay.\n\nThat would be fantastic. Thank you, sir. Do it to mine exactly if you could. So to,mm,y@OakviewFinancial. No.\n\nJust Oakview Financial, o a k v I e w f I n a n c I a l. N dot a u. Yep. I will give it a little refresh. My laptop updated this morning, and it's it is going quite slow.\n\nSo I will run that as soon as I can. And, James, if you could, would you be able to forward that one to my team's inbox so it links automatically to your profile? It's usually the safest. So it just goes to contactcontact@OakviewFinancial.com.au. It'll actually tag it to your client profile, which Thank you for doing that.\n\nReally appreciate that. Oh, fantastic. Thank you. Yeah. It's basically watch out for the elections, see how you go with the PPR, monitor the market for volatility.\n\nJune, we'll talk about contributions, but in between now and then, a bit of an insurance chat as well. No. No. Without the usage of the the the bring forward rules and so on for extra contributions, there's only a need to do that if for some reason you need to access a small portion while you're working, but the main thing for you will be switching over to an account based pension when you hit 65. So, normally, whenever you have any type of pension account, the the income that comes out is already tax free after 60, but it switches the earnings on the investments into being tax free as well.\n\nSo, normally, if you earn a a dividend or a capital growth inside super, it's taxed 15% instead of your normal CGT rate. But once we get you into a pension account, the all the dividends, capital growth is all 0% tax rate. Yeah. Yep. So I'll give you a quick landscape, and then I'll give you my opinion because so landscape wise, you've got normal stock brokers.\n\nYou know, you can go on to Comsec trading account, nav trade account, and you can buy shares. You can buy ETFs off of there. You pay brokerage, and for that, you get a collection of shares, properties, gold, whatever it is. So for example, the ASX two hundred ETF will buy you a small portion of the top 200 companies in Australia rather than buying each one individually stock by stock. The other side of the equation is a platform such as a Hub 24, an MLC, someone who offers an investment account that's like super that can give you access to managed funds, ETFs, and stocks, but you pay fees to have this full account set up and all the investment options managed for you.\n\nSo the cheapest way to do an ETF is literally go on Comsec and just buy one directly for a brokerage fee of $18.25 dollars or a small percentage. You don't necessarily need to use a full platform because we're not trying to grow 50,000 to be 500,000 over the period of ten plus years. If it's only for a small period of time, you just buy it once off and then sell it when you decide to sell it. That was my next point. So with the portfolio on Hub twenty four, for example, we utilize ETFs to construct your portfolio.\n\nSo each one that's in there has been carefully selected to build that overall pie chart of Australian share, national shares, gold, fixed interest, and so on. And each one invest into a single type of asset, most of them. So you already have, for example, physical gold, cybersecurity companies, term deposits, the 200, and so on. So those are good examples. Very low fee, very good performance.\n\nSome are quite selective. You know, cybersecurity companies as opposed to the overall Australian economy, you can get quite narrow. You can get quite broad with it. But there is one part of opinion that I do have to give you, James, which is my bias. Please take this with a grain of salt.\n\nWith the the risks that are currently going on with the stock market and the global economies and the different countries and inflation and so on, it's quite difficult to squeeze out a double digit return out of these without a huge risk a double digit risk. Whereas on the flip side, the bank savings rates of five creeping up to 6% and even credit funds, which are paying almost 7%, pretty much guaranteed returns. To try and get an extra 2% to possibly risk half of it as opposed to just getting a guaranteed six or 7%, The equation doesn't add up for me. So I would not be recommending going into an ETF to buy something that's potentially volatile to try and get an extra one or 2% that could be better gained somewhere else for no risk. Yeah.\n\nThe only way the only part I would go above cash is, for example, credit funds, which are kind of like fluctuating term deposit rates. They go up and down with the interest rates. Now the example of that is if Commonwealth is paying a 5.8% for a term deposit, they usually add on 1%, and they pay six point eight. That's as far as I would be going for anything under three years. K.\n\nYeah. And then, Ben, it seems to also be stretching longer than it normally does. That's my concern. And just quickly too, with Crowsnest, what's the the interest rate on on that one at the moment? Yeah.\n\nNo worries at all. Yeah. That's what we need too. There's too many sort of government takeovers causing, what do they call them, the the enforced undertakings is what we need. Yeah.\n\nYeah. There's been I think all of the the major banks have had a few things recently with, you know, missing out on interest rates for offset accounts and so on and overcharging fees, and I think these things just tend to pop up every couple of years. Yeah. 5.89. Yeah.\n\nThat was from the recent refinance. Yeah. Yep. And the second one? Yep.\n\nOkay. Yeah. Yep. And is that fixed? Gotcha.\n\nOkay. So that's why it's up another 30 basis points interest only. Perfect. I'll call that thirty years as well. Would that be accurate?\n\nPerfect. Yeah. I think for that, excuse me, that 6% guaranteed offset is just too attractive to pass up at this point. Yeah. Yep.\n\nYeah. And a pretty similar amount in credit. Yeah. Yeah. If it comes somewhere you do just clear all debt, give me a call and I'll find some way to park it to get you a slightly higher interest rate than what the cash is paying, but the offset's the best place at the moment.\n\nSo if you get to a point where property sale, property purchase leaves you kind of debt free with cash burning a hole in the pocket, I will find you the higher rates to park it in. Yeah. Upwards of $9.50. Yeah. K.\n\nYeah. And I think at that point, as long as the interest rates stay above 5%, that's pretty well the best place for the funds. It'll take a while to get it down. Yeah. Yep.\n\nBit of leeway there. Okay. Yeah. I think, definitely, James, keep it to the offset side of things until the PPR is cleared off. I can already keep as many sort of within the super environment, like I said, when I get you to that pension phase, everything I can invest the funds into, get the tax free earnings as well.\n\nTrying to get some taxable earnings for the next two years is not worth it. Better off to offset the loans for a guaranteed rate of return. Mhmm. Yeah. That'd be ideal.\n\nAbsolutely. I'm just quite glad, James, that you've got some forward momentum and movement going on now because like I said, I mentioned the word stuck before, but it felt like it was a bit of a holding pattern for a year and a bit. And I hope you feel relieved that you've got some directions to move into now that are improvements. Yeah. Mhmm.\n\nYeah. Yeah. In addition to that, though, the mindset switch between the capital and the assets and the properties, you're essentially moving into a cash flow direction where everything that we're doing is improving cash flow, and that's just as is getting rid of that negative cash flow weighing you down and the dead income in the rent and getting that going something positive, that's going to start. That's what I mean by the positive forward direction is you're not being tied into assets that are blocking your cash flow. The river can flow again, and that's what we need.\n\nCool. Absolutely. In terms of the insurances, just briefly, I've got the ANZ, the Ascender, and I'm just having a look through the PDFs for the other salary continuance. Is there any kind of major decision you would like me to come back to you on in terms of disposing of these policies, restructuring, or keeping them? Yeah.\n\nYeah. Exactly. And I think that's the main thing I'll focus on is I'm just gonna put them side by side. And most of the time, when people are getting salary continuance when they're 30 or 40, the question is always around which one's got the best benefit for the lowest premium. You've also now got the question of when does this expire, when can I claim on it, when can I not, And it's those aspects that I would like to put side by side so it's quite clear for you?\n\nSound alright? Perfect. Yep. I will digest that this week. I will also send you that email introducing you for the accounting side of things while I do this.\n\nSorry. Remind me again the structure fees for yeah. So we've input there for the next annual review that you're getting tiered fee structure input into the next agreement. So, normally, it's a percentage on the whole balance, but now we're going to be doing percentages. So above 200,000, it goes down.\n\nAbove 500 thousand, it goes down as well. So I will come back to you on the insurances, then I've got to get you an updated service agreement because we have just launched it. And from what I'm looking at, it's about $700 saved. Cool. Exactly right.\n\nEverything helps. Awesome, James. Thanks. Always a pleasure, my friend. I will dive into the insurance, get you the account details, and talk to you pretty soon.\n\nYours too. Have a great week. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"James, tell me here, mate.","start":3.6799998,"end":5.04,"sentiment":"neutral","sentiment_score":0.0886210948228836},{"text":"How you been?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.13027403255303702},{"text":"I'm living the dream so far.","start":8.4,"end":9.92,"sentiment":"positive","sentiment_score":0.46366535127162933},{"text":"I'm a a little bit lacking on sleep at the moment.","start":9.92,"end":12.4,"sentiment":"neutral","sentiment_score":-0.2526185390624133},{"text":"I do apologize, but otherwise, in great spirits.","start":12.4,"end":14.98,"sentiment":"neutral","sentiment_score":0.04141699057072401}],"sentiment":"neutral","sentiment_score":0.03540762649341063,"num_words":33,"start":3.6799998,"end":14.98},{"sentences":[{"text":"Great to be chatting to you today.","start":16.645,"end":18.105,"sentiment":"positive","sentiment_score":0.6269314203943525},{"text":"Absolutely.","start":25.845001,"end":26.345001,"sentiment":"neutral","sentiment_score":0.16961385309696198},{"text":"Yeah.","start":30.005001,"end":30.325,"sentiment":"neutral","sentiment_score":0.07085628062486649},{"text":"Yep.","start":30.325,"end":30.81,"sentiment":"neutral","sentiment_score":0.07056845724582672},{"text":"Just around the same time as the the old baby came out and everything like that.","start":30.89,"end":35.21,"sentiment":"neutral","sentiment_score":0.055965459207072854}],"sentiment":"neutral","sentiment_score":0.2151925338862034,"num_words":26,"start":16.645,"end":35.21},{"sentences":[{"text":"So we've got Josh, she's doing fantastic.","start":35.21,"end":39.71,"sentiment":"positive","sentiment_score":0.35056410676666666},{"text":"She's at a point now where she's rolling over and smiling and giggling and all that kind of thing, so she's keeping her brothers occupied.","start":39.85,"end":47.285,"sentiment":"neutral","sentiment_score":0.2618110957741737},{"text":"Yeah.","start":50.864998,"end":51.105,"sentiment":"neutral","sentiment_score":0.13425377011299133},{"text":"Yeah.","start":51.105,"end":51.425,"sentiment":"neutral","sentiment_score":0.20536398887634277},{"text":"Everything's pretty well routine and stable in terms of sleep and feeding and growing and all the rest of it.","start":51.425,"end":57.585,"sentiment":"positive","sentiment_score":0.4196751967072487}],"sentiment":"neutral","sentiment_score":0.32837681175657996,"num_words":54,"start":35.21,"end":57.585},{"sentences":[{"text":"So no health concerns or anything, to be honest.","start":57.585,"end":62.07,"sentiment":"neutral","sentiment_score":0.1232760718299283},{"text":"Yeah.","start":72.05,"end":72.345,"sentiment":"neutral","sentiment_score":0.11185284703969955},{"text":"Absolutely.","start":75.385,"end":75.885,"sentiment":"neutral","sentiment_score":0.1869237124919891},{"text":"Now while I've got you, James, I'm gonna pop through this email to you, and I'll just go through the usual quick security check with you.","start":77.065,"end":84.445,"sentiment":"neutral","sentiment_score":0.05843977730434675},{"text":"Could I just grab your date of birth and address?","start":86.585,"end":90.700005,"sentiment":"neutral","sentiment_score":0.02705797627568245}],"sentiment":"neutral","sentiment_score":0.0680484080568273,"num_words":47,"start":57.585,"end":90.700005},{"sentences":[{"text":"Sensational and residential address.","start":95.72,"end":97.9,"sentiment":"neutral","sentiment_score":0.017638500779867172},{"text":"Sensational.","start":107.655,"end":108.155,"sentiment":"neutral","sentiment_score":0.03960811719298363},{"text":"Perfect.","start":109.015,"end":109.515,"sentiment":"neutral","sentiment_score":0.2582949995994568},{"text":"And while we're on the topic of Victoria, I believe the the election's coming up soon, isn't it?","start":109.815,"end":117.09,"sentiment":"neutral","sentiment_score":0.029375722217890952},{"text":"Cool.","start":120.509995,"end":121.009995,"sentiment":"neutral","sentiment_score":0.2487044334411621}],"sentiment":"neutral","sentiment_score":0.04583698213100433,"num_words":25,"start":95.72,"end":121.009995},{"sentences":[{"text":"Awesome.","start":121.149994,"end":121.649994,"sentiment":"neutral","sentiment_score":0.2792785167694092},{"text":"Alright.","start":121.95,"end":122.42999,"sentiment":"neutral","sentiment_score":0.11920295655727386},{"text":"So I know we're keeping our eyes closed on it.","start":122.42999,"end":125.09,"sentiment":"neutral","sentiment_score":0.04366492405533791},{"text":"Yep.","start":145.18001,"end":145.42,"sentiment":"neutral","sentiment_score":0.07302872836589813},{"text":"So those two are just our updated service guides that we've got now with all the new licensing details and everything that we've updated in June June, July.","start":145.42,"end":154.095,"sentiment":"neutral","sentiment_score":0.08364783653191157}],"sentiment":"neutral","sentiment_score":0.07927558207657279,"num_words":41,"start":121.149994,"end":154.095},{"sentences":[{"text":"It's it's going pretty great at the moment.","start":169.69,"end":172.41,"sentiment":"positive","sentiment_score":0.6239567473530769},{"text":"We have our new structure that we've been doing since Christmas time with pods of teams that work very closely together, and things are moving a lot faster, a lot more efficient.","start":172.41,"end":184.405,"sentiment":"positive","sentiment_score":0.3934283535927534},{"text":"We are using a bit of technology at the moment with that new system that we're using.","start":185.025,"end":189.685,"sentiment":"neutral","sentiment_score":0.2016005244325189},{"text":"And the main holdup for us is always paperwork, trying to generate thousands of pages of paperwork.","start":189.96,"end":197.24,"sentiment":"neutral","sentiment_score":0.0212469952290549},{"text":"So the quicker we can do that, the quicker we can have the good conversations and move on and actually get things going.","start":197.24,"end":202.305,"sentiment":"positive","sentiment_score":0.3416004812587862}],"sentiment":"neutral","sentiment_score":0.3013049504844491,"num_words":97,"start":169.69,"end":202.305},{"sentences":[{"text":"That one's come through signed for me, James, so thank you for doing that.","start":212.625,"end":216.14499,"sentiment":"positive","sentiment_score":0.4164617380925587},{"text":"I'll pass that off to the team.","start":216.14499,"end":217.82,"sentiment":"neutral","sentiment_score":0.2764456101826259},{"text":"And you should get an email with a signed copy of those documents as well.","start":220.04,"end":224.54,"sentiment":"neutral","sentiment_score":0.17951834350824356},{"text":"Perfect.","start":242.135,"end":242.635,"sentiment":"positive","sentiment_score":0.34879499673843384},{"text":"I might just quickly update you on what I'm doing, and then we can swing over to the property chat if that's okay.","start":243.62001,"end":250.36,"sentiment":"neutral","sentiment_score":0.13930231008840643}],"sentiment":"neutral","sentiment_score":0.23351844809949399,"num_words":60,"start":212.625,"end":250.36},{"sentences":[{"text":"So I have put in there for the AMZ to be doing some rollovers every six months just with the high level of contributions you've got.","start":252.26001,"end":261.405,"sentiment":"neutral","sentiment_score":0.10551226482941554},{"text":"I'll have that as a reminder for the team to move that twice per year so that will go a little bit quicker.","start":261.405,"end":266.945,"sentiment":"neutral","sentiment_score":0.13384615629911423},{"text":"I have dropped down your risk level to that more moderate level we were talking about from 60% to 50% growth assets.","start":268.685,"end":276.56003,"sentiment":"neutral","sentiment_score":-0.05709301951256665},{"text":"Yeah.","start":303.13,"end":303.63,"sentiment":"neutral","sentiment_score":-0.12481418997049332},{"text":"It depends on when when when when.","start":315.315,"end":318.195,"sentiment":"neutral","sentiment_score":-0.09764037494148527}],"sentiment":"neutral","sentiment_score":0.04756249666591234,"num_words":79,"start":252.26001,"end":318.195},{"sentences":[{"text":"If you stay in 50% and something major happened six months before we want to access the funds, that can be quite a delay of about twelve to eighteen months.","start":318.195,"end":330.72,"sentiment":"neutral","sentiment_score":-0.16763352503379186},{"text":"If it happens in the next six months, you're pretty well fine.","start":330.78,"end":333.75998,"sentiment":"neutral","sentiment_score":0.04005136309812466},{"text":"It's actually yeah.","start":342.54498,"end":346.00497,"sentiment":"neutral","sentiment_score":-0.13265986988941827},{"text":"I think the volatility around March was a lot more extreme than what it currently is.","start":346.06497,"end":352.245,"sentiment":"neutral","sentiment_score":-0.27203806350007653},{"text":"I see the upcoming news events to create further shocks, but I don't see anything where it's more volatile than it was a few months ago.","start":353.66498,"end":363.39,"sentiment":"neutral","sentiment_score":-0.22679684225183266}],"sentiment":"neutral","sentiment_score":-0.17466317147187804,"num_words":87,"start":318.195,"end":363.39},{"sentences":[{"text":"Yeah.","start":400.755,"end":401.155,"sentiment":"neutral","sentiment_score":0.031815387308597565},{"text":"I'm with you.","start":401.155,"end":402.055,"sentiment":"neutral","sentiment_score":0.0461676058669885},{"text":"I'm having a look at the I usually use a bit of a peak to trough as an example for you.","start":405.075,"end":410.775,"sentiment":"neutral","sentiment_score":0.019383930068995272},{"text":"So you had a peak to trough drop of about 9%, which January 16 to March 23 is kind of that couple of months, just over two months where it happens.","start":411.14,"end":430.285,"sentiment":"neutral","sentiment_score":0.009889601158999627},{"text":"Dropping it down the way we're doing would have gotten that to more around the 6% mark, which is pretty good.","start":431.785,"end":438.21,"sentiment":"neutral","sentiment_score":0.09870099329522677}],"sentiment":"neutral","sentiment_score":0.038398431577756034,"num_words":77,"start":400.755,"end":438.21},{"sentences":[{"text":"If we experience something quite major, it could be kind of double the size, which I would then expect us to hit a little bit into the double digit space just.","start":439.87,"end":451.155,"sentiment":"neutral","sentiment_score":-0.17330012134005945},{"text":"Probably about 25%, maybe a little bit less.","start":454.755,"end":458.935,"sentiment":"neutral","sentiment_score":-0.1279547568410635},{"text":"No.","start":474.21002,"end":474.45,"sentiment":"neutral","sentiment_score":-0.11285769194364548},{"text":"We're ahead now.","start":474.45,"end":475.49002,"sentiment":"neutral","sentiment_score":0.04592442264159521},{"text":"It's had enough of a bounce back that it's into the positive.","start":475.49002,"end":478.665,"sentiment":"neutral","sentiment_score":0.23169290957351527}],"sentiment":"neutral","sentiment_score":-0.06528566046194596,"num_words":55,"start":439.87,"end":478.665},{"sentences":[{"text":"Actually, let me just have a quick look at some It's just clear 5%.","start":480.565,"end":498.36,"sentiment":"neutral","sentiment_score":0.052967198459165435},{"text":"Yes.","start":513.955,"end":514.35,"sentiment":"neutral","sentiment_score":0.005728820338845253},{"text":"Exactly right.","start":516.58997,"end":517.56995,"sentiment":"neutral","sentiment_score":-0.028601552359759808},{"text":"Correct.","start":523.14996,"end":523.64996,"sentiment":"neutral","sentiment_score":-0.1262466311454773},{"text":"Which I think we had the drop down to balance towards the end of last year.","start":524.91,"end":530.20496,"sentiment":"neutral","sentiment_score":-0.14416889334097505}],"sentiment":"neutral","sentiment_score":-0.05126124795745401,"num_words":34,"start":480.565,"end":530.20496},{"sentences":[{"text":"Yeah.","start":532.105,"end":532.345,"sentiment":"neutral","sentiment_score":-0.004015611484646797},{"text":"Correct.","start":532.345,"end":532.845,"sentiment":"neutral","sentiment_score":0.012183746322989464},{"text":"One other thing to factor into when it comes to the volatility is as we swing you down to 60% growth assets, 50% growth assets, you're also getting buoyed up by the income returns.","start":534.26495,"end":547.14996,"sentiment":"neutral","sentiment_score":0.043979290544110185},{"text":"So the dividends of the stocks, the term deposit yields, the bond yields.","start":547.45,"end":552.02997,"sentiment":"neutral","sentiment_score":0.06295577092812611},{"text":"So that's pushed it to the point where you're looking at single digit volatility for the same period of about three to five percent, but still hitting that seven to nine average.","start":552.25,"end":563.115,"sentiment":"neutral","sentiment_score":0.011922280624276027}],"sentiment":"neutral","sentiment_score":0.03337533352321681,"num_words":81,"start":532.105,"end":563.115},{"sentences":[{"text":"So that's gonna minimize it quite a bit, I think.","start":565.735,"end":569.755,"sentiment":"neutral","sentiment_score":-0.0038430150598287582},{"text":"At the moment, you've got the 1.1% in the cash account, which is like a bank account alongside it, and then you've got 10% in high interest cash.","start":579.67004,"end":592.785,"sentiment":"neutral","sentiment_score":0.04310688941872546},{"text":"You have 15 in, like, term deposits, another 10 in bonds.","start":594.605,"end":601.505,"sentiment":"neutral","sentiment_score":0.022697358307513325},{"text":"So let's call it 10% in high cash, 25 in fixed interest.","start":601.61005,"end":606.19,"sentiment":"neutral","sentiment_score":0.04471249917211632},{"text":"Yep.","start":607.69,"end":608.19,"sentiment":"neutral","sentiment_score":0.05805838108062744}],"sentiment":"neutral","sentiment_score":0.03246519460733379,"num_words":62,"start":565.735,"end":608.19},{"sentences":[{"text":"Now we're gonna push that to around about the 50 mark in terms of mainly fixed interest and bonds.","start":610.17004,"end":615.075,"sentiment":"neutral","sentiment_score":0.05947322300390193},{"text":"The cash will sit at about 20.","start":618.515,"end":620.375,"sentiment":"neutral","sentiment_score":0.049577855105910985},{"text":"K?","start":624.995,"end":625.47504,"sentiment":"neutral","sentiment_score":0.027510404586791992},{"text":"So those ones still four to six would be the aim for that portion.","start":625.47504,"end":630.89996,"sentiment":"neutral","sentiment_score":0.055887327662536075},{"text":"And if you can get that kind of nine or 10 from the growth assets, that still hits you the 7% average or above.","start":631.12,"end":636.82,"sentiment":"neutral","sentiment_score":0.05162261504059037}],"sentiment":"neutral","sentiment_score":0.05424479962541507,"num_words":65,"start":610.17004,"end":636.82},{"sentences":[{"text":"I've had to do a bit of a change to one of your defensive assets.","start":642.795,"end":647.21497,"sentiment":"neutral","sentiment_score":-0.0203461437796553},{"text":"I don't know if you recall when I talked to you about the bank hybrids.","start":647.27496,"end":650.095,"sentiment":"neutral","sentiment_score":-0.01665796563029289},{"text":"Yeah.","start":662.41,"end":662.73,"sentiment":"neutral","sentiment_score":0.00369027815759182},{"text":"It's the only switch I'm doing is that we're trimming some of the growth assets to put them in the defensive, but the bank hybrids we're switching to something a bit more inflation linked.","start":662.73,"end":673.225,"sentiment":"neutral","sentiment_score":0.021317852815092707},{"text":"So if inflation stays high, you'll benefit from that as well.","start":673.605,"end":677.46497,"sentiment":"neutral","sentiment_score":0.13529797778888183}],"sentiment":"neutral","sentiment_score":0.02186464984735817,"num_words":76,"start":642.795,"end":677.46497},{"sentences":[{"text":"Yeah.","start":681.765,"end":682.165,"sentiment":"neutral","sentiment_score":0.0037179887294769287},{"text":"And the government's phasing out these hybrids.","start":682.165,"end":684.72,"sentiment":"neutral","sentiment_score":-0.009945184857185398},{"text":"The RBA is gonna raise interest rates again to try and curve it.","start":684.72,"end":687.94,"sentiment":"neutral","sentiment_score":0.012964583790073028},{"text":"I think either way, we're gonna get some benefits from a few different spaces, which I don't mean to use the buzzwords, but diversification is gonna be key for the next twelve months for you.","start":688.39996,"end":698.25494,"sentiment":"neutral","sentiment_score":0.1953991032072476},{"text":"No.","start":706.875,"end":707.27496,"sentiment":"neutral","sentiment_score":0.06888863444328308}],"sentiment":"neutral","sentiment_score":0.12299120229293119,"num_words":57,"start":681.765,"end":707.27496},{"sentences":[{"text":"That's alright.","start":707.27496,"end":707.83496,"sentiment":"neutral","sentiment_score":0.13423794880509377},{"text":"I'll keep an eye on it as always.","start":707.83496,"end":709.27496,"sentiment":"neutral","sentiment_score":0.2989012021571398},{"text":"And, again, I'll I'll try and get some catch ups at a good interval in time, but any changes when it comes to the equity release and property for you?","start":709.27496,"end":718.77,"sentiment":"neutral","sentiment_score":0.0844923513631026},{"text":"I like the sound of that.","start":744.97,"end":746.43,"sentiment":"neutral","sentiment_score":0.26736459384361905},{"text":"Yep.","start":752.73,"end":753.045,"sentiment":"neutral","sentiment_score":0.1333232223987579}],"sentiment":"neutral","sentiment_score":0.14748865619618842,"num_words":47,"start":707.27496,"end":753.045},{"sentences":[{"text":"Yep.","start":758.805,"end":759.305,"sentiment":"neutral","sentiment_score":0.15888407826423645},{"text":"K.","start":766.005,"end":766.44,"sentiment":"neutral","sentiment_score":0.048678208142519},{"text":"K.","start":794.87,"end":795.37,"sentiment":"neutral","sentiment_score":-0.03391609713435173},{"text":"Yep.","start":816.325,"end":816.72,"sentiment":"neutral","sentiment_score":0.12203022837638856},{"text":"Yep.","start":830.48,"end":830.98,"sentiment":"neutral","sentiment_score":0.1687641143798828}],"sentiment":"neutral","sentiment_score":0.09288810640573501,"num_words":5,"start":758.805,"end":830.98},{"sentences":[{"text":"Perfect.","start":831.51996,"end":832.01996,"sentiment":"positive","sentiment_score":0.3336532711982727},{"text":"K.","start":855.58,"end":855.98004,"sentiment":"neutral","sentiment_score":0.04925999045372009},{"text":"Okay.","start":855.98004,"end":856.48004,"sentiment":"neutral","sentiment_score":0.0805293396115303},{"text":"Yeah.","start":874.86,"end":875.36,"sentiment":"neutral","sentiment_score":0.004115323536098003},{"text":"Yep.","start":888.22,"end":888.465,"sentiment":"neutral","sentiment_score":0.03050992265343666}],"sentiment":"neutral","sentiment_score":0.09961356949061155,"num_words":5,"start":831.51996,"end":888.465},{"sentences":[{"text":"Yeah.","start":917.615,"end":918.115,"sentiment":"neutral","sentiment_score":-0.039627544581890106},{"text":"I think that's sounding pretty good because we wanted to try and end with, again, trying to get out of that negatively geared property that's been weighing you down as an anchor, get you into a place, and either maintain that one good investment or capitalize on it when it's appropriate to do so.","start":931.11,"end":949.815,"sentiment":"neutral","sentiment_score":0.17651609145104885},{"text":"So it's sounding like we've finally got some openings there, whereas six to twelve months ago, there wasn't much opportunity to move around, and you were kind of stuck with it.","start":949.815,"end":959.13,"sentiment":"neutral","sentiment_score":-0.18276732559165648},{"text":"Yes.","start":975.125,"end":975.625,"sentiment":"neutral","sentiment_score":0.03399539738893509},{"text":"Yeah.","start":1015.94,"end":1016.44,"sentiment":"neutral","sentiment_score":-0.02926145121455193}],"sentiment":"neutral","sentiment_score":0.04353623007508842,"num_words":88,"start":917.615,"end":1016.44},{"sentences":[{"text":"Yeah.","start":1032.4349,"end":1032.81,"sentiment":"neutral","sentiment_score":-0.0022010207176208496},{"text":"K.","start":1045.93,"end":1046.175,"sentiment":"neutral","sentiment_score":-0.1038554310798645},{"text":"Yeah.","start":1059.615,"end":1060.015,"sentiment":"neutral","sentiment_score":0.03621571883559227},{"text":"Yep.","start":1060.015,"end":1060.515,"sentiment":"neutral","sentiment_score":0.05572767183184624},{"text":"And I think given what you can generate from the super, which is why we're going to the protection route, with the PPR there, that solves a lot of the cash flow issues that we were worrying about.","start":1060.5751,"end":1070.78,"sentiment":"neutral","sentiment_score":0.10829898950300719}],"sentiment":"neutral","sentiment_score":0.0976487747615292,"num_words":42,"start":1032.4349,"end":1070.78},{"sentences":[{"text":"Yeah.","start":1092.39,"end":1092.89,"sentiment":"neutral","sentiment_score":0.08386631309986115},{"text":"I think this is a point in your life where if we take on any unnecessary risks, there could be a a definitely an element of regret that could come up from that.","start":1132.035,"end":1142.16,"sentiment":"negative","sentiment_score":-0.5116835001743201},{"text":"Whereas I feel like you're in a position where the confidence and probability levels of hitting those goals that we're aiming for is becoming a closer certainty every month that we get closer to those dates.","start":1142.4601,"end":1156.985,"sentiment":"positive","sentiment_score":0.4755172085844808},{"text":"So you're one of those people there where if I can finish off that last period of growth without a huge loss, then you will be in a very comfortable position where you're not gonna have to worry too much about the money side of things with the PPR and with the funds that you can tap into over time for decades.","start":1157.525,"end":1179.32,"sentiment":"positive","sentiment_score":0.36979561251017357},{"text":"The risk that I've got is if we go into anything hyper specific, like, for example, a commercial property with your super, that could us back.","start":1179.9951,"end":1190.0951,"sentiment":"neutral","sentiment_score":-0.04042688957773722}],"sentiment":"neutral","sentiment_score":0.14046303267720378,"num_words":158,"start":1092.39,"end":1190.0951},{"sentences":[{"text":"And on the flip side, I remember during COVID when defensive portfolios were not as defensive as people thought they were.","start":1190.635,"end":1200.4701,"sentiment":"neutral","sentiment_score":-0.07794303030130409},{"text":"So I had people who had moved from, you know, in New Zealand with a million dollars, and their defensive conservative portfolios were dropping into the double digits, and they were losing $2,300,000 at the finish line.","start":1202.05,"end":1216.245,"sentiment":"neutral","sentiment_score":-0.17867208282287056},{"text":"So not to be a bearer of fear, but my main thing is to get a seven or 9% return is quite easy to do.","start":1219.1849,"end":1226.96,"sentiment":"neutral","sentiment_score":0.2528420028090477},{"text":"When the market goes up, I need to make sure that there's no significant losses in those next three years.","start":1226.96,"end":1235.535,"sentiment":"neutral","sentiment_score":-0.21210983386263252},{"text":"A 100 percent.","start":1257.15,"end":1258.05,"sentiment":"neutral","sentiment_score":0.23292567829291025}],"sentiment":"neutral","sentiment_score":-0.051604153518125695,"num_words":106,"start":1190.635,"end":1258.05},{"sentences":[{"text":"I don't think we should do anything sort of tricky or flash outside of that.","start":1259.4701,"end":1264.085,"sentiment":"neutral","sentiment_score":-0.25876182317733765},{"text":"I think once we've gotten you to that 750,000 coming on 800 thousand mark is we start transitioning it into something quite safe so that the capital is preserved.","start":1264.225,"end":1275.765,"sentiment":"neutral","sentiment_score":0.1433236126242013},{"text":"Yeah.","start":1300.575,"end":1300.95,"sentiment":"neutral","sentiment_score":0.033328257501125336},{"text":"Yeah.","start":1323.765,"end":1324.1649,"sentiment":"neutral","sentiment_score":0.14293958246707916},{"text":"I think well, because you'll have these properties bouncing between this financial year, possibly into next financial year, you'll have to have two two returns of as much as possible.","start":1324.1649,"end":1336.34,"sentiment":"neutral","sentiment_score":0.26322354724009833}],"sentiment":"neutral","sentiment_score":0.10984120625806482,"num_words":76,"start":1259.4701,"end":1336.34},{"sentences":[{"text":"Yeah.","start":1364.51,"end":1364.745,"sentiment":"neutral","sentiment_score":-0.00974917598068714},{"text":"Yeah.","start":1376.105,"end":1376.605,"sentiment":"neutral","sentiment_score":0.04505006968975067},{"text":"I there's a couple of people I have in mind.","start":1377.065,"end":1379.46,"sentiment":"neutral","sentiment_score":0.05184300057590008},{"text":"Both of the people I have in mind are good enough that off the top of their own head, they could run through a 20 conversation with you and point out things to lean heavier into and things to watch out for.","start":1382.1799,"end":1395.1599,"sentiment":"neutral","sentiment_score":0.12301900592588243},{"text":"I think it's worth at least speaking to one or both of them to see if it's a personality fit as well.","start":1397.235,"end":1403.1749,"sentiment":"neutral","sentiment_score":0.1313211741772565}],"sentiment":"neutral","sentiment_score":0.11328414447703644,"num_words":76,"start":1364.51,"end":1403.1749},{"sentences":[{"text":"A couple of principles that I think would be very good good for you.","start":1406.355,"end":1409.34,"sentiment":"neutral","sentiment_score":0.2447513256754194},{"text":"Yeah.","start":1409.34,"end":1409.84,"sentiment":"neutral","sentiment_score":0.015327230095863342},{"text":"Go for it.","start":1410.38,"end":1416.48,"sentiment":"neutral","sentiment_score":-0.08435352643330891},{"text":"It's normally done between parties in terms of letter of engagement, then they transition information across.","start":1421.34,"end":1427.795,"sentiment":"neutral","sentiment_score":0.0513095319038257},{"text":"You bring in your information to, like, your tax return, for example.","start":1427.795,"end":1431.815,"sentiment":"neutral","sentiment_score":0.03593591507524252}],"sentiment":"neutral","sentiment_score":0.09654279786121586,"num_words":46,"start":1406.355,"end":1431.815},{"sentences":[{"text":"Yeah.","start":1436.515,"end":1436.91,"sentiment":"neutral","sentiment_score":0.04185788333415985},{"text":"Yeah.","start":1442.75,"end":1443.0701,"sentiment":"neutral","sentiment_score":0.023685844615101814},{"text":"Well, to the very least, they could see the previous returns.","start":1443.0701,"end":1446.29,"sentiment":"neutral","sentiment_score":0.0009976701641624625},{"text":"So I'll give you an example.","start":1448.99,"end":1450.1901,"sentiment":"neutral","sentiment_score":0.040163430074850716},{"text":"One of the people that I just went with my own, he just hopped on and looked at my previous returns and said, you've been missing out on this, this, and this.","start":1450.1901,"end":1458.735,"sentiment":"neutral","sentiment_score":0.025042957975529134}],"sentiment":"neutral","sentiment_score":0.02193869285139383,"num_words":51,"start":1436.515,"end":1458.735},{"sentences":[{"text":"And then I brought in all my paperwork for the properties and everything and all the investments I've been doing, and he just looked at it for about five minutes and then punched it all in and said, okay.","start":1458.735,"end":1467.5599,"sentiment":"neutral","sentiment_score":0.07569796763933621},{"text":"You need to lean into these areas and asked me some very creatively worded questions, which helped me out quite Correct.","start":1467.5599,"end":1484.635,"sentiment":"neutral","sentiment_score":0.20489142941577093},{"text":"It's all federal tax laws.","start":1484.9349,"end":1487.115,"sentiment":"neutral","sentiment_score":0.013020709156990051},{"text":"Sorry.","start":1487.1749,"end":1487.495,"sentiment":"neutral","sentiment_score":-0.039259202778339386},{"text":"There are obviously state laws in terms of properties and stamp duties and things like that, but it's all federal.","start":1487.495,"end":1493.8,"sentiment":"neutral","sentiment_score":-0.04950677221640944}],"sentiment":"neutral","sentiment_score":0.07314708900399679,"num_words":86,"start":1458.735,"end":1493.8},{"sentences":[{"text":"And, again, someone can look at the same situation and go quite differently with it.","start":1494.18,"end":1499.64,"sentiment":"neutral","sentiment_score":-0.10502972354491552},{"text":"Yeah.","start":1548.88,"end":1549.38,"sentiment":"neutral","sentiment_score":0.019742440432310104},{"text":"Yeah.","start":1554.24,"end":1554.5599,"sentiment":"neutral","sentiment_score":0.07346419245004654},{"text":"We've got a couple years left to to benefit from the assets that you've got.","start":1554.5599,"end":1558.915,"sentiment":"neutral","sentiment_score":0.10762928277254105},{"text":"And then once they're disposed of, you won't have those opportunities again.","start":1558.9751,"end":1562.495,"sentiment":"neutral","sentiment_score":0.022847010962626275}],"sentiment":"neutral","sentiment_score":0.00923554892836943,"num_words":44,"start":1494.18,"end":1562.495},{"sentences":[{"text":"And the last thing you want to be doing is trying to go back and redo previous tax returns.","start":1562.495,"end":1566.515,"sentiment":"neutral","sentiment_score":-0.046979021673139776},{"text":"Yeah.","start":1575.28,"end":1575.78,"sentiment":"neutral","sentiment_score":0.018024569377303123},{"text":"Yeah.","start":1575.8401,"end":1576.16,"sentiment":"neutral","sentiment_score":0.008052123710513115},{"text":"Do you have any currently outstanding returns, or would this be more for when we hit June?","start":1576.16,"end":1581.3,"sentiment":"neutral","sentiment_score":-0.08235986377386485},{"text":"Okay.","start":1589.055,"end":1589.375,"sentiment":"neutral","sentiment_score":-0.059687815606594086}],"sentiment":"neutral","sentiment_score":-0.05964949278113169,"num_words":39,"start":1562.495,"end":1589.375},{"sentences":[{"text":"So that still needs to be sorted.","start":1589.375,"end":1590.995,"sentiment":"neutral","sentiment_score":-0.14338333904743195},{"text":"Yep.","start":1596.655,"end":1596.99,"sentiment":"neutral","sentiment_score":0.1775522083044052},{"text":"Okay.","start":1597.79,"end":1598.29,"sentiment":"neutral","sentiment_score":0.16449275612831116},{"text":"Give me a few days to think through, and I will send some some emails.","start":1598.91,"end":1605.47,"sentiment":"neutral","sentiment_score":0.1322415346900622},{"text":"What I'll do is I'm gonna send you the details of the Okay.","start":1605.47,"end":1618.375,"sentiment":"neutral","sentiment_score":0.02911147790459486}],"sentiment":"neutral","sentiment_score":0.04595767092463132,"num_words":37,"start":1589.375,"end":1618.375},{"sentences":[{"text":"Yeah.","start":1628.77,"end":1629.01,"sentiment":"neutral","sentiment_score":0.0908620059490204},{"text":"Cool.","start":1629.01,"end":1629.25,"sentiment":"neutral","sentiment_score":0.20591050386428833},{"text":"Because we're only a couple of months in to pass those due dates, and you've got quite a while.","start":1629.25,"end":1633.35,"sentiment":"neutral","sentiment_score":0.07258140364367711},{"text":"Okay.","start":1636.53,"end":1636.785,"sentiment":"neutral","sentiment_score":0.16265462338924408},{"text":"To make it easier, what I'll do is I'm gonna send you the details of both.","start":1637.185,"end":1641.765,"sentiment":"neutral","sentiment_score":0.2245792569592595}],"sentiment":"neutral","sentiment_score":0.14294057667843604,"num_words":38,"start":1628.77,"end":1641.765},{"sentences":[{"text":"And then rather than just doing an introduction like I would normally do, I would like to see how you go when you speak to them in terms of service experience, booking in, and how those conversations go.","start":1642.4651,"end":1655.61,"sentiment":"neutral","sentiment_score":0.126106457588704},{"text":"So I would like you to have both information there in case one doesn't go well.","start":1655.61,"end":1660.43,"sentiment":"neutral","sentiment_score":0.07723612943664193},{"text":"I think one of the two would be perfect.","start":1661.69,"end":1663.55,"sentiment":"positive","sentiment_score":0.4016571243604024},{"text":"No.","start":1678.585,"end":1678.825,"sentiment":"neutral","sentiment_score":-0.14682024717330933},{"text":"It's more about availability more so because most of these guys are around the Gold Coast.","start":1678.825,"end":1684.9,"sentiment":"neutral","sentiment_score":0.008399759186431764}],"sentiment":"neutral","sentiment_score":0.12037891848012805,"num_words":80,"start":1642.4651,"end":1684.9},{"sentences":[{"text":"They do service nationally as well.","start":1685.12,"end":1687.9401,"sentiment":"neutral","sentiment_score":0.08996488029758136},{"text":"But if they can do it via Teams, via phone, and give you that good conversation that you need, even a bit of an analysis, that would be great.","start":1688.3201,"end":1699.5449,"sentiment":"neutral","sentiment_score":0.319801130685313},{"text":"Either if you were in the Gold Coast, it would be quite easy to just drive down the road from our office and you'd be there.","start":1701.9249,"end":1708.0249,"sentiment":"neutral","sentiment_score":0.17892870507561243},{"text":"Yeah.","start":1741.65,"end":1741.89,"sentiment":"neutral","sentiment_score":0.12215006351470949},{"text":"Okay.","start":1741.89,"end":1742.39,"sentiment":"neutral","sentiment_score":0.10282915830612184}],"sentiment":"neutral","sentiment_score":0.2331928194515289,"num_words":63,"start":1685.12,"end":1742.39},{"sentences":[{"text":"Let me reach out to them, and I'll see who's got some availability to speak to you.","start":1742.93,"end":1756.3949,"sentiment":"neutral","sentiment_score":0.046471484662855375},{"text":"Yeah.","start":1756.3949,"end":1756.715,"sentiment":"neutral","sentiment_score":0.11042362451553343},{"text":"I'll do that.","start":1756.715,"end":1757.7749,"sentiment":"neutral","sentiment_score":0.15499826272328696},{"text":"Alright.","start":1762.52,"end":1762.92,"sentiment":"neutral","sentiment_score":0.09407049417495728},{"text":"Just made a quick note on the file.","start":1762.92,"end":1764.6201,"sentiment":"neutral","sentiment_score":0.0783388502895832}],"sentiment":"neutral","sentiment_score":0.06954049828151862,"num_words":30,"start":1742.93,"end":1764.6201},{"sentences":[{"text":"Yeah.","start":1766.2001,"end":1766.7001,"sentiment":"neutral","sentiment_score":0.0700916051864624},{"text":"Go for it.","start":1768.52,"end":1769.42,"sentiment":"neutral","sentiment_score":0.1634404162565867},{"text":"Yep.","start":1777.865,"end":1778.365,"sentiment":"neutral","sentiment_score":0.07532007992267609},{"text":"Good.","start":1808.7749,"end":1809.2749,"sentiment":"neutral","sentiment_score":0.29719895124435425},{"text":"Yeah.","start":1829.765,"end":1830.265,"sentiment":"neutral","sentiment_score":-0.1118796169757843}],"sentiment":"neutral","sentiment_score":0.11729318116392408,"num_words":7,"start":1766.2001,"end":1830.265},{"sentences":[{"text":"Especially given the risks currently, it would be nice to be on top of.","start":1864.05,"end":1867.67,"sentiment":"neutral","sentiment_score":0.018802306481770108},{"text":"Market options at the moment would be very handy.","start":1868.61,"end":1871.385,"sentiment":"neutral","sentiment_score":0.15524758853846127},{"text":"Yeah.","start":1884.025,"end":1884.525,"sentiment":"neutral","sentiment_score":-0.028766721487045288},{"text":"Yeah.","start":1898.2201,"end":1898.62,"sentiment":"neutral","sentiment_score":-0.014188077300786972},{"text":"Correct.","start":1898.62,"end":1899.12,"sentiment":"neutral","sentiment_score":-0.008127575740218163}],"sentiment":"neutral","sentiment_score":0.06189916204088009,"num_words":26,"start":1864.05,"end":1899.12},{"sentences":[{"text":"Do we keep it offloaded?","start":1932.465,"end":1933.845,"sentiment":"neutral","sentiment_score":-0.08368220180273056},{"text":"Right.","start":1947.76,"end":1948.26,"sentiment":"neutral","sentiment_score":-0.015008166432380676},{"text":"I'm gonna have to do a little comparison between those two, to be honest, because I know the expiry dates is going to be quite a thing.","start":1950.08,"end":1958.0751,"sentiment":"neutral","sentiment_score":-0.0872860232161151},{"text":"Because I'm having a look.","start":1961.175,"end":1962.055,"sentiment":"neutral","sentiment_score":0.015030914172530174},{"text":"We got the ANZ one.","start":1962.055,"end":1963.515,"sentiment":"neutral","sentiment_score":0.014655832573771477}],"sentiment":"neutral","sentiment_score":-0.061435071361619374,"num_words":43,"start":1932.465,"end":1963.515},{"sentences":[{"text":"There's not too much coming out of the ANZ one.","start":1965.095,"end":1967.43,"sentiment":"neutral","sentiment_score":-0.04396007508039475},{"text":"It's the Ascender that's probably the highest premium.","start":1969.1901,"end":1971.77,"sentiment":"neutral","sentiment_score":-0.08724048422300257},{"text":"Yeah.","start":1974.39,"end":1974.79,"sentiment":"neutral","sentiment_score":-0.02735627442598343},{"text":"I mean, the ANZ has got the life insurance and things like that.","start":1974.79,"end":1977.5901,"sentiment":"neutral","sentiment_score":0.04576140842758692},{"text":"It's got the rebate in there through the super.","start":1977.5901,"end":1979.93,"sentiment":"neutral","sentiment_score":0.12240337000952826}],"sentiment":"neutral","sentiment_score":0.012967018064156902,"num_words":41,"start":1965.095,"end":1979.93},{"sentences":[{"text":"It's the the Ascender is probably the one of most concern.","start":1980.31,"end":1985.435,"sentiment":"neutral","sentiment_score":-0.10030813989314166},{"text":"Just having to think between the two.","start":1988.455,"end":1990.3151,"sentiment":"neutral","sentiment_score":-0.07417257609111923},{"text":"You've got the greatest opportunity to claim on an ascender type policy.","start":1992.615,"end":1997.51,"sentiment":"neutral","sentiment_score":0.27230239907900494},{"text":"You've got the better quality behind it.","start":1997.65,"end":1999.81,"sentiment":"positive","sentiment_score":0.577480844088963},{"text":"That's for sure.","start":1999.81,"end":2000.71,"sentiment":"neutral","sentiment_score":0.3015350302060445}],"sentiment":"neutral","sentiment_score":0.16480005541816353,"num_words":40,"start":1980.31,"end":2000.71},{"sentences":[{"text":"Yeah.","start":2016.515,"end":2017.015,"sentiment":"neutral","sentiment_score":-0.03252280130982399},{"text":"And it just wiped it out.","start":2030.05,"end":2031.67,"sentiment":"negative","sentiment_score":-0.43206249674161273},{"text":"K.","start":2042.385,"end":2042.885,"sentiment":"neutral","sentiment_score":0.01023058034479618},{"text":"And you still got that issue with the ANZ one too where they've got the the identical amount of life and disability insurance.","start":2043.265,"end":2050.085,"sentiment":"neutral","sentiment_score":-0.009441572443946548},{"text":"So a claim on those would wipe the other one out, but the premiums aren't too high for the amount that you've got too.","start":2050.4302,"end":2056.77,"sentiment":"neutral","sentiment_score":-0.020376297179609537}],"sentiment":"neutral","sentiment_score":-0.06037917272611098,"num_words":55,"start":2016.515,"end":2056.77},{"sentences":[{"text":"I think we were looking to keep the running for a few more years.","start":2058.9102,"end":2062.305,"sentiment":"neutral","sentiment_score":0.08024730693016734},{"text":"Definitely.","start":2067.105,"end":2067.605,"sentiment":"neutral","sentiment_score":0.1594085991382599},{"text":"Yeah.","start":2067.665,"end":2067.9849,"sentiment":"neutral","sentiment_score":0.07368649542331696},{"text":"And then consolidate it once.","start":2067.9849,"end":2070.085,"sentiment":"neutral","sentiment_score":0.0767243467271328},{"text":"Yeah.","start":2076.54,"end":2076.78,"sentiment":"neutral","sentiment_score":0.11435244977474213}],"sentiment":"neutral","sentiment_score":0.08429688977246935,"num_words":22,"start":2058.9102,"end":2076.78},{"sentences":[{"text":"And I think what we were talking about was keeping it going at least for the time being, but once all the debts are cleared and the super is built up and you don't need the lump sum cover on top, you get to a point where you've got enough funds and capital behind you that you can just hit the retirement button and not need to pay the premiums for it because you have all the capital already behind you.","start":2076.78,"end":2098.115,"sentiment":"neutral","sentiment_score":0.18021473720853712},{"text":"So that would be the main thing on the ANZ one.","start":2098.115,"end":2100.6948,"sentiment":"neutral","sentiment_score":0.14566590332172133},{"text":"The salary continuance, to be perfectly honest, we've only got a couple more years of the high income, the high contributions that the salary continuance is backing, and it was very, very important when you had when you've got so many properties to to worry about.","start":2101.9548,"end":2119.24,"sentiment":"neutral","sentiment_score":-0.09000557596268861},{"text":"As those properties close down and as we get close to that retirement point, the salary continuance will become essentially moot moot past couple of years' time.","start":2119.485,"end":2129.185,"sentiment":"negative","sentiment_score":-0.3411043330475136},{"text":"I need to have a look because I'm not seeing the second one.","start":2135.6199,"end":2138.84,"sentiment":"neutral","sentiment_score":-0.02965045992571574}],"sentiment":"neutral","sentiment_score":0.01384375946533479,"num_words":178,"start":2076.78,"end":2138.84},{"sentences":[{"text":"And it's carried across to the sender name change and like that.","start":2154.915,"end":2159.31,"sentiment":"neutral","sentiment_score":-0.013562318480884036},{"text":"Yeah.","start":2163.55,"end":2164.05,"sentiment":"neutral","sentiment_score":0.006117654964327812},{"text":"Gotcha.","start":2178.445,"end":2178.945,"sentiment":"neutral","sentiment_score":-0.010834558866918089},{"text":"That's what I wasn't seeing.","start":2179.9648,"end":2181.165,"sentiment":"neutral","sentiment_score":-0.08013018630445004},{"text":"I do apologize.","start":2181.165,"end":2181.9849,"sentiment":"neutral","sentiment_score":-0.15613561371962228}],"sentiment":"neutral","sentiment_score":-0.04711465901610526,"num_words":22,"start":2154.915,"end":2181.9849},{"sentences":[{"text":"I'm looking at the super statement.","start":2182.125,"end":2183.73,"sentiment":"neutral","sentiment_score":-0.014646332090099653},{"text":"Yeah.","start":2194.29,"end":2194.6099,"sentiment":"neutral","sentiment_score":0.02379363775253296},{"text":"So you got that portion coming out of the.","start":2194.6099,"end":2196.555,"sentiment":"neutral","sentiment_score":-0.019341294032831986},{"text":"Gotcha.","start":2210.2349,"end":2210.7,"sentiment":"neutral","sentiment_score":-0.07702956348657608},{"text":"That'd be great.","start":2210.94,"end":2216.48,"sentiment":"neutral","sentiment_score":-0.2173740342259407}],"sentiment":"neutral","sentiment_score":-0.048365383362397554,"num_words":20,"start":2182.125,"end":2216.48},{"sentences":[{"text":"Yeah.","start":2220.54,"end":2221.04,"sentiment":"neutral","sentiment_score":-0.0477772019803524},{"text":"Yep.","start":2221.0999,"end":2221.5999,"sentiment":"neutral","sentiment_score":-0.013578994199633598},{"text":"Yeah.","start":2241.73,"end":2241.97,"sentiment":"neutral","sentiment_score":-0.13516423106193542},{"text":"It was weird.","start":2241.97,"end":2242.69,"sentiment":"neutral","sentiment_score":-0.26119572917620343},{"text":"Yesterday, it had the hard switch straight into 34, and then the wind picked up to such a high degree that it went straight back down overnight.","start":2242.69,"end":2250.8699,"sentiment":"neutral","sentiment_score":-0.14016831955975956}],"sentiment":"neutral","sentiment_score":-0.14438340129951635,"num_words":33,"start":2220.54,"end":2250.8699},{"sentences":[{"text":"It's a bit all over the shop.","start":2251.235,"end":2253.335,"sentiment":"neutral","sentiment_score":-0.10410297342709132},{"text":"Yeah.","start":2257.315,"end":2257.715,"sentiment":"neutral","sentiment_score":-0.06913489103317261},{"text":"It's the the wind seemed to knock a few things out, and it was quite quite out of nowhere.","start":2257.715,"end":2263.395,"sentiment":"neutral","sentiment_score":-0.17552436339227775},{"text":"Reminds me of North Queensland for a little bit.","start":2263.395,"end":2265.8699,"sentiment":"neutral","sentiment_score":-0.022977687004539702},{"text":"They call Bowen, and it did come in a twenty four hour period.","start":2265.8699,"end":2270.75,"sentiment":"neutral","sentiment_score":-0.01613778341561556}],"sentiment":"neutral","sentiment_score":-0.0928450811616316,"num_words":49,"start":2251.235,"end":2270.75},{"sentences":[{"text":"And I was just like, okay.","start":2270.75,"end":2271.97,"sentiment":"neutral","sentiment_score":-0.05245886463671923},{"text":"That's a bit strange.","start":2272.19,"end":2273.3298,"sentiment":"neutral","sentiment_score":-0.2514610104262829},{"text":"That's right.","start":2298.8599,"end":2299.5,"sentiment":"neutral","sentiment_score":0.025820080190896988},{"text":"Yep.","start":2299.5,"end":2300.0,"sentiment":"neutral","sentiment_score":0.023289885371923447},{"text":"I'm with you.","start":2305.5151,"end":2306.495,"sentiment":"neutral","sentiment_score":0.02759508602321148}],"sentiment":"neutral","sentiment_score":-0.07268012035638094,"num_words":16,"start":2270.75,"end":2306.495},{"sentences":[{"text":"Which it was $39.85 last year.","start":2307.915,"end":2312.0151,"sentiment":"neutral","sentiment_score":0.0086946419129769},{"text":"So it hasn't actually gone up very much, which is fantastic.","start":2314.155,"end":2316.5999,"sentiment":"positive","sentiment_score":0.34994440322572534},{"text":"So that's the salary continuance paid through out of your salary at the moment.","start":2322.9,"end":2328.28,"sentiment":"neutral","sentiment_score":0.12284524313041142},{"text":"When you mentioned the the group policy, have they got a corporate name attached to this one?","start":2330.445,"end":2335.985,"sentiment":"neutral","sentiment_score":0.001536824192632647},{"text":"Or at the very least, would you be able to forward that document to me?","start":2341.5652,"end":2357.505,"sentiment":"neutral","sentiment_score":-0.018242626823484896}],"sentiment":"neutral","sentiment_score":0.08529962380490606,"num_words":63,"start":2307.915,"end":2357.505},{"sentences":[{"text":"Because if I can even find the type of name, I can look up a product disclosure statement and go for that.","start":2371.105,"end":2377.35,"sentiment":"neutral","sentiment_score":0.012668087993833151},{"text":"Fantastic.","start":2427.67,"end":2428.17,"sentiment":"positive","sentiment_score":0.5260536670684814},{"text":"I'm just having a look through some of our archives in the meantime.","start":2428.5498,"end":2432.3298,"sentiment":"neutral","sentiment_score":0.2223718877022083},{"text":"Yep.","start":2466.915,"end":2467.415,"sentiment":"neutral","sentiment_score":0.10654017329216003},{"text":"K.","start":2472.675,"end":2473.175,"sentiment":"neutral","sentiment_score":0.007952912710607052}],"sentiment":"neutral","sentiment_score":0.10026524287011278,"num_words":38,"start":2371.105,"end":2473.175},{"sentences":[{"text":"That would be the premium that came out of the super account for the death and TPD is about 2,500.","start":2492.145,"end":2500.11,"sentiment":"neutral","sentiment_score":-0.07449250772187951},{"text":"That is the account balance.","start":2512.1948,"end":2514.9348,"sentiment":"neutral","sentiment_score":-0.013262481614947318},{"text":"That's the actual superannuation funds that have been moved across.","start":2517.315,"end":2521.095,"sentiment":"neutral","sentiment_score":-0.004834055854007602},{"text":"Yeah.","start":2525.7998,"end":2526.2998,"sentiment":"neutral","sentiment_score":-0.01122612226754427},{"text":"I'm looking at one now, but this is as of, sorry, June 30.","start":2527.4,"end":2531.42,"sentiment":"neutral","sentiment_score":-0.020596474265823}],"sentiment":"neutral","sentiment_score":-0.0384384369137887,"num_words":49,"start":2492.145,"end":2531.42},{"sentences":[{"text":"Almost identical figures, yeah, this year.","start":2532.5999,"end":2535.66,"sentiment":"neutral","sentiment_score":-0.021722336299717426},{"text":"To be fair on them, this is because we do move the funds across.","start":2549.0151,"end":2552.615,"sentiment":"neutral","sentiment_score":-0.07597824132868222},{"text":"So if all the funds are in that account, it'd be a bit different.","start":2552.615,"end":2555.77,"sentiment":"neutral","sentiment_score":-0.02288959993581687},{"text":"Yep.","start":2578.4849,"end":2578.885,"sentiment":"neutral","sentiment_score":0.028055738657712936},{"text":"So that includes the balance plus the insurance cover.","start":2578.885,"end":2583.1802,"sentiment":"neutral","sentiment_score":0.01872183879216512}],"sentiment":"neutral","sentiment_score":-0.029952988811683925,"num_words":44,"start":2532.5999,"end":2583.1802},{"sentences":[{"text":"It's one of those ones where they lump the two together.","start":2583.24,"end":2585.4202,"sentiment":"neutral","sentiment_score":0.008406996642324057},{"text":"Yeah.","start":2606.7349,"end":2607.2349,"sentiment":"neutral","sentiment_score":0.015411903150379658},{"text":"Yeah.","start":2607.295,"end":2607.795,"sentiment":"neutral","sentiment_score":0.014139439910650252},{"text":"Zurich has merged with one part, so they think with that.","start":2607.855,"end":2622.57,"sentiment":"neutral","sentiment_score":-0.0005482553758404472},{"text":"Child benefit.","start":2622.57,"end":2623.365,"sentiment":"neutral","sentiment_score":0.008188920095562935}],"sentiment":"neutral","sentiment_score":0.005091359122441365,"num_words":26,"start":2583.24,"end":2623.365},{"sentences":[{"text":"Yep.","start":2623.525,"end":2624.025,"sentiment":"neutral","sentiment_score":-0.00974107440561056},{"text":"And when was that document dated?","start":2626.485,"end":2628.405,"sentiment":"neutral","sentiment_score":-0.023098090042670567},{"text":"Sorry, James.","start":2628.405,"end":2629.145,"sentiment":"neutral","sentiment_score":-0.08057963475584984},{"text":"That's right.","start":2640.2598,"end":2640.9,"sentiment":"neutral","sentiment_score":0.023818975314497948},{"text":"So every birthday anniversary, they are trimming the cover down based on units.","start":2640.9,"end":2649.64,"sentiment":"neutral","sentiment_score":0.0017869150839172876}],"sentiment":"neutral","sentiment_score":-0.009942543227225542,"num_words":24,"start":2623.525,"end":2649.64},{"sentences":[{"text":"So that's why it's sitting at 288,000 as of this year when it was over 300,000 before.","start":2649.895,"end":2656.3152,"sentiment":"neutral","sentiment_score":0.005863420281778364},{"text":"Your group name is the I n g group staff super plan.","start":2658.0552,"end":2667.75,"sentiment":"neutral","sentiment_score":0.07232286393021543},{"text":"So that gives me the type of product and account that it is and any associated benefits attached along with it.","start":2667.75,"end":2675.2249,"sentiment":"neutral","sentiment_score":0.2313497428383146},{"text":"K.","start":2679.525,"end":2679.6848,"sentiment":"neutral","sentiment_score":0.18712064623832703},{"text":"That's perfect.","start":2679.6848,"end":2680.585,"sentiment":"positive","sentiment_score":0.5391537398099899}],"sentiment":"neutral","sentiment_score":0.13379858938520248,"num_words":53,"start":2649.895,"end":2680.585},{"sentences":[{"text":"Yeah.","start":2684.6448,"end":2684.9648,"sentiment":"neutral","sentiment_score":0.06854075938463211},{"text":"I'm gonna have a little look for the so let me just double check this because I don't wanna make a mistake here given my tired state.","start":2684.9648,"end":2693.36,"sentiment":"neutral","sentiment_score":-0.011428392526728136},{"text":"The salary continuance premium that's coming out of your salary, that is going to this I n g a n zed group separate to the Ascender.","start":2694.14,"end":2705.1,"sentiment":"neutral","sentiment_score":0.012951969885482239},{"text":"Correct?","start":2705.1,"end":2705.565,"sentiment":"neutral","sentiment_score":0.018746480345726013},{"text":"Yep.","start":2710.365,"end":2710.865,"sentiment":"neutral","sentiment_score":0.008708910085260868}],"sentiment":"neutral","sentiment_score":0.0022175137252945986,"num_words":56,"start":2684.6448,"end":2710.865},{"sentences":[{"text":"K.","start":2711.005,"end":2711.505,"sentiment":"neutral","sentiment_score":-0.005997991189360619},{"text":"So I need to research the salary continuance compared to the Ascender one Because these units will continue to trim down the next couple of years and, like we said, expire at 65.","start":2711.7249,"end":2725.78,"sentiment":"neutral","sentiment_score":-0.04580705477432771},{"text":"And the for the Ascender one, do you have any recent certificate of currency or policy anniversary?","start":2727.68,"end":2735.795,"sentiment":"neutral","sentiment_score":0.01285351999104023},{"text":"If you could forward that to me, that would be amazing.","start":2739.055,"end":2741.395,"sentiment":"neutral","sentiment_score":0.2777011584151875},{"text":"That's okay.","start":2762.935,"end":2763.675,"sentiment":"neutral","sentiment_score":0.0808242354542017}],"sentiment":"neutral","sentiment_score":0.029956878977827728,"num_words":64,"start":2711.005,"end":2763.675},{"sentences":[{"text":"That would be fantastic.","start":2769.0952,"end":2770.65,"sentiment":"positive","sentiment_score":0.5196799337863922},{"text":"Thank you, sir.","start":2908.215,"end":2909.355,"sentiment":"neutral","sentiment_score":0.2442076007525126},{"text":"Do it to mine exactly if you could.","start":2918.24,"end":2921.2,"sentiment":"neutral","sentiment_score":0.03238896816037595},{"text":"So to,mm,y@OakviewFinancial.","start":2921.2,"end":2927.78,"sentiment":"neutral","sentiment_score":0.027302075177431107},{"text":"No.","start":2937.455,"end":2937.955,"sentiment":"neutral","sentiment_score":-0.06057588383555412}],"sentiment":"neutral","sentiment_score":0.17024903051141235,"num_words":18,"start":2769.0952,"end":2937.955},{"sentences":[{"text":"Just Oakview Financial, o a k v I e w f I n a n c I a l.","start":2938.0151,"end":2948.444,"sentiment":"neutral","sentiment_score":0.0167646742376842},{"text":"N dot a u.","start":2949.0,"end":2950.3,"sentiment":"neutral","sentiment_score":0.011679009534418583},{"text":"Yep.","start":2950.92,"end":2951.42,"sentiment":"neutral","sentiment_score":0.057173244655132294},{"text":"I will give it a little refresh.","start":2982.585,"end":2984.125,"sentiment":"neutral","sentiment_score":0.07366482115217618},{"text":"My laptop updated this morning, and it's it is going quite slow.","start":2984.9849,"end":2988.825,"sentiment":"neutral","sentiment_score":-0.30053821081916493}],"sentiment":"neutral","sentiment_score":-0.06205550438269626,"num_words":43,"start":2938.0151,"end":2988.825},{"sentences":[{"text":"So I will run that as soon as I can.","start":2988.825,"end":2992.765,"sentiment":"neutral","sentiment_score":-0.10906630754470825},{"text":"And, James, if you could, would you be able to forward that one to my team's inbox so it links automatically to your profile?","start":3050.72,"end":3060.0752,"sentiment":"neutral","sentiment_score":0.07208555548762281},{"text":"It's usually the safest.","start":3060.5352,"end":3061.7551,"sentiment":"neutral","sentiment_score":0.087223831564188},{"text":"So it just goes to contactcontact@OakviewFinancial.com.au.","start":3065.415,"end":3072.84,"sentiment":"neutral","sentiment_score":0.04836722603067756},{"text":"It'll actually tag it to your client profile, which Thank you for doing that.","start":3072.9202,"end":3099.225,"sentiment":"neutral","sentiment_score":0.31385113884295734}],"sentiment":"neutral","sentiment_score":0.09780008418100147,"num_words":58,"start":2988.825,"end":3099.225},{"sentences":[{"text":"Really appreciate that.","start":3099.225,"end":3100.49,"sentiment":"positive","sentiment_score":0.7377644975980123},{"text":"Oh, fantastic.","start":3126.615,"end":3127.355,"sentiment":"positive","sentiment_score":0.6367869973182678},{"text":"Thank you.","start":3127.73,"end":3128.39,"sentiment":"positive","sentiment_score":0.5801750719547272},{"text":"Yeah.","start":3148.5452,"end":3148.945,"sentiment":"neutral","sentiment_score":0.012278096750378609},{"text":"It's basically watch out for the elections, see how you go with the PPR, monitor the market for volatility.","start":3148.945,"end":3156.9,"sentiment":"neutral","sentiment_score":0.020095233658426685}],"sentiment":"neutral","sentiment_score":0.1867150062074264,"num_words":27,"start":3099.225,"end":3156.9},{"sentences":[{"text":"June, we'll talk about contributions, but in between now and then, a bit of an insurance chat as well.","start":3158.0,"end":3164.7349,"sentiment":"neutral","sentiment_score":0.046460700858580437},{"text":"No.","start":3181.3,"end":3181.8,"sentiment":"neutral","sentiment_score":-0.18425334990024567},{"text":"No.","start":3181.94,"end":3182.26,"sentiment":"neutral","sentiment_score":-0.1833103597164154},{"text":"Without the usage of the the the bring forward rules and so on for extra contributions, there's only a need to do that if for some reason you need to access a small portion while you're working, but the main thing for you will be switching over to an account based pension when you hit 65.","start":3182.26,"end":3203.58,"sentiment":"neutral","sentiment_score":0.09812670573592186},{"text":"So, normally, whenever you have any type of pension account, the the income that comes out is already tax free after 60, but it switches the earnings on the investments into being tax free as well.","start":3210.3801,"end":3222.155,"sentiment":"neutral","sentiment_score":0.2008451403429111}],"sentiment":"neutral","sentiment_score":0.1171744263739185,"num_words":113,"start":3158.0,"end":3222.155},{"sentences":[{"text":"So, normally, if you earn a a dividend or a capital growth inside super, it's taxed 15% instead of your normal CGT rate.","start":3223.815,"end":3234.01,"sentiment":"neutral","sentiment_score":0.17765251385129016},{"text":"But once we get you into a pension account, the all the dividends, capital growth is all 0% tax rate.","start":3234.01,"end":3241.07,"sentiment":"neutral","sentiment_score":0.1752244532108307},{"text":"Yeah.","start":3250.315,"end":3250.815,"sentiment":"neutral","sentiment_score":0.080049067735672},{"text":"Yep.","start":3251.595,"end":3252.095,"sentiment":"neutral","sentiment_score":0.11415012925863266},{"text":"So I'll give you a quick landscape, and then I'll give you my opinion because so landscape wise, you've got normal stock brokers.","start":3287.22,"end":3299.455,"sentiment":"neutral","sentiment_score":0.10890837936945584}],"sentiment":"neutral","sentiment_score":0.151317482430707,"num_words":68,"start":3223.815,"end":3299.455},{"sentences":[{"text":"You know, you can go on to Comsec trading account, nav trade account, and you can buy shares.","start":3299.915,"end":3305.2751,"sentiment":"neutral","sentiment_score":0.15597673464152548},{"text":"You can buy ETFs off of there.","start":3305.2751,"end":3307.135,"sentiment":"neutral","sentiment_score":0.19104339608124324},{"text":"You pay brokerage, and for that, you get a collection of shares, properties, gold, whatever it is.","start":3307.5151,"end":3315.9001,"sentiment":"neutral","sentiment_score":0.2617740333080292},{"text":"So for example, the ASX two hundred ETF will buy you a small portion of the top 200 companies in Australia rather than buying each one individually stock by stock.","start":3317.6401,"end":3329.985,"sentiment":"neutral","sentiment_score":0.2590264347692331},{"text":"The other side of the equation is a platform such as a Hub 24, an MLC, someone who offers an investment account that's like super that can give you access to managed funds, ETFs, and stocks, but you pay fees to have this full account set up and all the investment options managed for you.","start":3332.605,"end":3358.435,"sentiment":"neutral","sentiment_score":0.1416796772317453}],"sentiment":"neutral","sentiment_score":0.19022219569429638,"num_words":127,"start":3299.915,"end":3358.435},{"sentences":[{"text":"So the cheapest way to do an ETF is literally go on Comsec and just buy one directly for a brokerage fee of $18.25 dollars or a small percentage.","start":3358.435,"end":3369.255,"sentiment":"neutral","sentiment_score":0.17266544134452425},{"text":"You don't necessarily need to use a full platform because we're not trying to grow 50,000 to be 500,000 over the period of ten plus years.","start":3370.6401,"end":3381.2202,"sentiment":"neutral","sentiment_score":0.09760908438609196},{"text":"If it's only for a small period of time, you just buy it once off and then sell it when you decide to sell it.","start":3382.0,"end":3387.675,"sentiment":"neutral","sentiment_score":0.073985635638237},{"text":"That was my next point.","start":3403.35,"end":3404.7102,"sentiment":"neutral","sentiment_score":0.046110525727272034},{"text":"So with the portfolio on Hub twenty four, for example, we utilize ETFs to construct your portfolio.","start":3404.7102,"end":3415.585,"sentiment":"neutral","sentiment_score":0.061289150925243605}],"sentiment":"neutral","sentiment_score":0.10458081449363746,"num_words":102,"start":3358.435,"end":3415.585},{"sentences":[{"text":"So each one that's in there has been carefully selected to build that overall pie chart of Australian share, national shares, gold, fixed interest, and so on.","start":3417.085,"end":3426.99,"sentiment":"neutral","sentiment_score":0.1491572873459922},{"text":"And each one invest into a single type of asset, most of them.","start":3427.15,"end":3433.17,"sentiment":"neutral","sentiment_score":0.07662098711499801},{"text":"So you already have, for example, physical gold, cybersecurity companies, term deposits, the 200, and so on.","start":3433.47,"end":3440.635,"sentiment":"neutral","sentiment_score":0.13027554093038335},{"text":"So those are good examples.","start":3440.635,"end":3441.9348,"sentiment":"neutral","sentiment_score":0.2515921384096146},{"text":"Very low fee, very good performance.","start":3443.275,"end":3445.055,"sentiment":"positive","sentiment_score":0.5103215525547663}],"sentiment":"neutral","sentiment_score":0.1699690263827934,"num_words":68,"start":3417.085,"end":3445.055},{"sentences":[{"text":"Some are quite selective.","start":3445.595,"end":3448.895,"sentiment":"neutral","sentiment_score":0.23811370506882668},{"text":"You know, cybersecurity companies as opposed to the overall Australian economy, you can get quite narrow.","start":3449.355,"end":3455.33,"sentiment":"neutral","sentiment_score":0.020472644944675267},{"text":"You can get quite broad with it.","start":3455.33,"end":3457.35,"sentiment":"neutral","sentiment_score":-0.01781987026333809},{"text":"But there is one part of opinion that I do have to give you, James, which is my bias.","start":3459.49,"end":3463.49,"sentiment":"neutral","sentiment_score":-0.14191720007281555},{"text":"Please take this with a grain of salt.","start":3463.49,"end":3465.27,"sentiment":"neutral","sentiment_score":-0.1961018070578575}],"sentiment":"neutral","sentiment_score":-0.05759191130184465,"num_words":54,"start":3445.595,"end":3465.27},{"sentences":[{"text":"With the the risks that are currently going on with the stock market and the global economies and the different countries and inflation and so on, it's quite difficult to squeeze out a double digit return out of these without a huge risk a double digit risk.","start":3468.8352,"end":3485.8398,"sentiment":"neutral","sentiment_score":-0.09219864858908856},{"text":"Whereas on the flip side, the bank savings rates of five creeping up to 6% and even credit funds, which are paying almost 7%, pretty much guaranteed returns.","start":3487.5798,"end":3499.5352,"sentiment":"neutral","sentiment_score":-0.08481147126959902},{"text":"To try and get an extra 2% to possibly risk half of it as opposed to just getting a guaranteed six or 7%, The equation doesn't add up for me.","start":3500.635,"end":3510.29,"sentiment":"neutral","sentiment_score":-0.24488750273982685},{"text":"So I would not be recommending going into an ETF to buy something that's potentially volatile to try and get an extra one or 2% that could be better gained somewhere else for no risk.","start":3511.79,"end":3522.735,"sentiment":"negative","sentiment_score":-0.4148055510861533},{"text":"Yeah.","start":3530.975,"end":3531.2952,"sentiment":"neutral","sentiment_score":0.039785031229257584}],"sentiment":"neutral","sentiment_score":-0.2023623547391266,"num_words":141,"start":3468.8352,"end":3531.2952},{"sentences":[{"text":"The only way the only part I would go above cash is, for example, credit funds, which are kind of like fluctuating term deposit rates.","start":3531.2952,"end":3540.94,"sentiment":"neutral","sentiment_score":0.010851091295480729},{"text":"They go up and down with the interest rates.","start":3541.6401,"end":3543.82,"sentiment":"neutral","sentiment_score":-0.05312661909394794},{"text":"Now the example of that is if Commonwealth is paying a 5.8% for a term deposit, they usually add on 1%, and they pay six point eight.","start":3546.92,"end":3557.505,"sentiment":"neutral","sentiment_score":0.007308842027904811},{"text":"That's as far as I would be going for anything under three years.","start":3559.565,"end":3563.1,"sentiment":"neutral","sentiment_score":-0.015170121995302347},{"text":"K.","start":3566.7002,"end":3567.2002,"sentiment":"neutral","sentiment_score":-0.031373973935842514}],"sentiment":"neutral","sentiment_score":-0.0031747881943980853,"num_words":75,"start":3531.2952,"end":3567.2002},{"sentences":[{"text":"Yeah.","start":3585.835,"end":3586.335,"sentiment":"neutral","sentiment_score":-0.17215028405189514},{"text":"And then, Ben, it seems to also be stretching longer than it normally does.","start":3613.225,"end":3618.1,"sentiment":"negative","sentiment_score":-0.369061997958592},{"text":"That's my concern.","start":3619.6802,"end":3620.6602,"sentiment":"neutral","sentiment_score":-0.18020126223564148},{"text":"And just quickly too, with Crowsnest, what's the the interest rate on on that one at the moment?","start":3635.1648,"end":3640.065,"sentiment":"neutral","sentiment_score":-0.0214482127274904},{"text":"Yeah.","start":3652.7,"end":3652.94,"sentiment":"neutral","sentiment_score":0.012935888022184372}],"sentiment":"neutral","sentiment_score":-0.16899335089869597,"num_words":37,"start":3585.835,"end":3652.94},{"sentences":[{"text":"No worries at all.","start":3652.94,"end":3654.0,"sentiment":"neutral","sentiment_score":-0.043372826650738716},{"text":"Yeah.","start":3671.45,"end":3671.95,"sentiment":"neutral","sentiment_score":-0.16409841179847717},{"text":"That's what we need too.","start":3674.33,"end":3675.37,"sentiment":"neutral","sentiment_score":-0.25810715556144714},{"text":"There's too many sort of government takeovers causing, what do they call them, the the enforced undertakings is what we need.","start":3675.37,"end":3683.6648,"sentiment":"negative","sentiment_score":-0.4384337621075766},{"text":"Yeah.","start":3700.7,"end":3701.02,"sentiment":"neutral","sentiment_score":-0.11837801337242126}],"sentiment":"negative","sentiment_score":-0.3423003910575062,"num_words":32,"start":3652.94,"end":3701.02},{"sentences":[{"text":"Yeah.","start":3701.02,"end":3701.42,"sentiment":"neutral","sentiment_score":-0.13900277018547058},{"text":"There's been I think all of the the major banks have had a few things recently with, you know, missing out on interest rates for offset accounts and so on and overcharging fees, and I think these things just tend to pop up every couple of years.","start":3701.42,"end":3716.895,"sentiment":"neutral","sentiment_score":-0.26856315040842016},{"text":"Yeah.","start":3776.64,"end":3777.14,"sentiment":"neutral","sentiment_score":0.028832215815782547},{"text":"5.89.","start":3787.535,"end":3788.835,"sentiment":"neutral","sentiment_score":0.00957340095192194},{"text":"Yeah.","start":3794.1748,"end":3794.4949,"sentiment":"neutral","sentiment_score":0.03014340251684189}],"sentiment":"neutral","sentiment_score":-0.24888082000189551,"num_words":51,"start":3701.02,"end":3794.4949},{"sentences":[{"text":"That was from the recent refinance.","start":3794.4949,"end":3798.44,"sentiment":"neutral","sentiment_score":0.011910928413271904},{"text":"Yeah.","start":3799.7,"end":3800.18,"sentiment":"neutral","sentiment_score":0.05552120506763458},{"text":"Yep.","start":3800.18,"end":3800.68,"sentiment":"neutral","sentiment_score":0.04815804213285446},{"text":"And the second one?","start":3802.02,"end":3803.32,"sentiment":"neutral","sentiment_score":0.0032109117601066823},{"text":"Yep.","start":3828.85,"end":3829.35,"sentiment":"neutral","sentiment_score":0.08704634755849838}],"sentiment":"neutral","sentiment_score":0.021156524021465044,"num_words":13,"start":3794.4949,"end":3829.35},{"sentences":[{"text":"Okay.","start":3833.33,"end":3833.805,"sentiment":"neutral","sentiment_score":0.05045581609010696},{"text":"Yeah.","start":3838.045,"end":3838.4448,"sentiment":"neutral","sentiment_score":0.05672401934862137},{"text":"Yep.","start":3838.4448,"end":3838.9448,"sentiment":"neutral","sentiment_score":0.049682676792144775},{"text":"And is that fixed?","start":3844.605,"end":3845.82,"sentiment":"neutral","sentiment_score":-0.00724185211583972},{"text":"Gotcha.","start":3858.22,"end":3858.645,"sentiment":"neutral","sentiment_score":-0.0715562105178833}],"sentiment":"neutral","sentiment_score":0.007042361656203866,"num_words":8,"start":3833.33,"end":3858.645},{"sentences":[{"text":"Okay.","start":3869.445,"end":3869.685,"sentiment":"neutral","sentiment_score":0.0055988263338804245},{"text":"So that's why it's up another 30 basis points interest only.","start":3869.685,"end":3873.26,"sentiment":"neutral","sentiment_score":-0.01360133866017515},{"text":"Perfect.","start":3876.28,"end":3876.78,"sentiment":"positive","sentiment_score":0.453136682510376},{"text":"I'll call that thirty years as well.","start":3877.16,"end":3878.6,"sentiment":"neutral","sentiment_score":0.17138408656631196},{"text":"Would that be accurate?","start":3878.6,"end":3879.66,"sentiment":"neutral","sentiment_score":0.10843356139957905}],"sentiment":"neutral","sentiment_score":0.08093931813103457,"num_words":24,"start":3869.445,"end":3879.66},{"sentences":[{"text":"Perfect.","start":3884.28,"end":3884.78,"sentiment":"positive","sentiment_score":0.46442559361457825},{"text":"Yeah.","start":3886.095,"end":3886.495,"sentiment":"neutral","sentiment_score":0.0803631842136383},{"text":"I think for that, excuse me, that 6% guaranteed offset is just too attractive to pass up at this point.","start":3886.495,"end":3895.395,"sentiment":"negative","sentiment_score":-0.3879306063055992},{"text":"Yeah.","start":3907.71,"end":3908.21,"sentiment":"neutral","sentiment_score":0.04499401897192001},{"text":"Yep.","start":3909.39,"end":3909.765,"sentiment":"neutral","sentiment_score":0.07979264855384827}],"sentiment":"neutral","sentiment_score":-0.2953765283649166,"num_words":24,"start":3884.28,"end":3909.765},{"sentences":[{"text":"Yeah.","start":3921.78,"end":3922.28,"sentiment":"neutral","sentiment_score":0.018542522564530373},{"text":"And a pretty similar amount in credit.","start":3935.3801,"end":3937.855,"sentiment":"neutral","sentiment_score":0.010765611327120237},{"text":"Yeah.","start":3938.4749,"end":3938.9749,"sentiment":"neutral","sentiment_score":0.04339423030614853},{"text":"Yeah.","start":3949.115,"end":3949.4348,"sentiment":"neutral","sentiment_score":-0.04960371181368828},{"text":"If it comes somewhere you do just clear all debt, give me a call and I'll find some way to park it to get you a slightly higher interest rate than what the cash is paying, but the offset's the best place at the moment.","start":3949.4348,"end":3968.555,"sentiment":"neutral","sentiment_score":-0.04093254771497515}],"sentiment":"neutral","sentiment_score":-0.031895860487764535,"num_words":55,"start":3921.78,"end":3968.555},{"sentences":[{"text":"So if you get to a point where property sale, property purchase leaves you kind of debt free with cash burning a hole in the pocket, I will find you the higher rates to park it in.","start":3968.555,"end":3979.79,"sentiment":"negative","sentiment_score":-0.355930950794671},{"text":"Yeah.","start":4000.335,"end":4000.835,"sentiment":"neutral","sentiment_score":0.00371343269944191},{"text":"Upwards of $9.50.","start":4009.8699,"end":4011.25,"sentiment":"neutral","sentiment_score":0.018901286646723747},{"text":"Yeah.","start":4012.75,"end":4013.25,"sentiment":"neutral","sentiment_score":0.032064713537693024},{"text":"K.","start":4015.95,"end":4016.45,"sentiment":"neutral","sentiment_score":0.04248710349202156}],"sentiment":"neutral","sentiment_score":-0.30312735045891864,"num_words":43,"start":3968.555,"end":4016.45},{"sentences":[{"text":"Yeah.","start":4023.815,"end":4024.295,"sentiment":"neutral","sentiment_score":0.11084158718585968},{"text":"And I think at that point, as long as the interest rates stay above 5%, that's pretty well the best place for the funds.","start":4024.295,"end":4031.82,"sentiment":"neutral","sentiment_score":0.07334332245712478},{"text":"It'll take a while to get it down.","start":4032.62,"end":4034.32,"sentiment":"neutral","sentiment_score":-0.03877044399268925},{"text":"Yeah.","start":4039.98,"end":4040.3801,"sentiment":"neutral","sentiment_score":0.04248320311307907},{"text":"Yep.","start":4040.3801,"end":4040.8801,"sentiment":"neutral","sentiment_score":0.05906915664672851}],"sentiment":"neutral","sentiment_score":0.04749914668500423,"num_words":35,"start":4023.815,"end":4040.8801},{"sentences":[{"text":"Bit of leeway there.","start":4041.02,"end":4042.1602,"sentiment":"neutral","sentiment_score":0.006858048029243946},{"text":"Okay.","start":4047.695,"end":4048.095,"sentiment":"neutral","sentiment_score":0.04798060655593872},{"text":"Yeah.","start":4048.095,"end":4048.495,"sentiment":"neutral","sentiment_score":0.039721064269542694},{"text":"I think, definitely, James, keep it to the offset side of things until the PPR is cleared off.","start":4048.495,"end":4054.595,"sentiment":"neutral","sentiment_score":-0.0014129034760925504},{"text":"I can already keep as many sort of within the super environment, like I said, when I get you to that pension phase, everything I can invest the funds into, get the tax free earnings as well.","start":4055.855,"end":4067.45,"sentiment":"neutral","sentiment_score":0.06279152974083617}],"sentiment":"neutral","sentiment_score":0.039557183619405405,"num_words":61,"start":4041.02,"end":4067.45},{"sentences":[{"text":"Trying to get some taxable earnings for the next two years is not worth it.","start":4067.75,"end":4072.5151,"sentiment":"negative","sentiment_score":-0.5604828357696533},{"text":"Better off to offset the loans for a guaranteed rate of return.","start":4073.215,"end":4076.915,"sentiment":"neutral","sentiment_score":-0.12094510657091935},{"text":"Mhmm.","start":4089.39,"end":4089.89,"sentiment":"neutral","sentiment_score":-0.02842911332845688},{"text":"Yeah.","start":4105.485,"end":4105.985,"sentiment":"neutral","sentiment_score":0.11548615992069244},{"text":"That'd be ideal.","start":4110.21,"end":4111.19,"sentiment":"positive","sentiment_score":0.5038696726163229}],"sentiment":"neutral","sentiment_score":-0.2581224297173321,"num_words":32,"start":4067.75,"end":4111.19},{"sentences":[{"text":"Absolutely.","start":4111.4097,"end":4111.9097,"sentiment":"positive","sentiment_score":0.5821071267127991},{"text":"I'm just quite glad, James, that you've got some forward momentum and movement going on now because like I said, I mentioned the word stuck before, but it felt like it was a bit of a holding pattern for a year and a bit.","start":4118.61,"end":4130.3247,"sentiment":"neutral","sentiment_score":0.2674454730850729},{"text":"And I hope you feel relieved that you've got some directions to move into now that are improvements.","start":4130.545,"end":4136.565,"sentiment":"positive","sentiment_score":0.4526544031169679},{"text":"Yeah.","start":4149.89,"end":4150.275,"sentiment":"neutral","sentiment_score":-0.0012970268726348877},{"text":"Mhmm.","start":4165.795,"end":4166.07,"sentiment":"neutral","sentiment_score":-0.060121405869722366}],"sentiment":"neutral","sentiment_score":0.314401057935678,"num_words":65,"start":4111.4097,"end":4166.07},{"sentences":[{"text":"Yeah.","start":4183.925,"end":4184.425,"sentiment":"neutral","sentiment_score":-0.10412076115608215},{"text":"Yeah.","start":4193.98,"end":4194.48,"sentiment":"neutral","sentiment_score":-0.008497003465890884},{"text":"In addition to that, though, the mindset switch between the capital and the assets and the properties, you're essentially moving into a cash flow direction where everything that we're doing is improving cash flow, and that's just as is getting rid of that negative cash flow weighing you down and the dead income in the rent and getting that going something positive, that's going to start.","start":4195.5,"end":4222.8496,"sentiment":"neutral","sentiment_score":0.026381270141538345},{"text":"That's what I mean by the positive forward direction is you're not being tied into assets that are blocking your cash flow.","start":4222.8496,"end":4229.9697,"sentiment":"neutral","sentiment_score":0.1177308288487521},{"text":"The river can flow again, and that's what we need.","start":4229.9697,"end":4232.3896,"sentiment":"neutral","sentiment_score":0.16669748052954675}],"sentiment":"neutral","sentiment_score":0.058855991046875715,"num_words":100,"start":4183.925,"end":4232.3896},{"sentences":[{"text":"Cool.","start":4236.9297,"end":4237.245,"sentiment":"neutral","sentiment_score":0.17769551277160645},{"text":"Absolutely.","start":4239.4854,"end":4239.9854,"sentiment":"positive","sentiment_score":0.5105339884757996},{"text":"In terms of the insurances, just briefly, I've got the ANZ, the Ascender, and I'm just having a look through the PDFs for the other salary continuance.","start":4240.845,"end":4250.145,"sentiment":"neutral","sentiment_score":0.09490361181950127},{"text":"Is there any kind of major decision you would like me to come back to you on in terms of disposing of these policies, restructuring, or keeping them?","start":4250.765,"end":4260.0996,"sentiment":"neutral","sentiment_score":0.0017523719330451318},{"text":"Yeah.","start":4276.4946,"end":4276.9946,"sentiment":"neutral","sentiment_score":0.012858807109296322}],"sentiment":"neutral","sentiment_score":0.05711296968290518,"num_words":58,"start":4236.9297,"end":4276.9946},{"sentences":[{"text":"Yeah.","start":4277.695,"end":4278.195,"sentiment":"neutral","sentiment_score":0.011634165421128271},{"text":"Exactly.","start":4281.2,"end":4281.7,"sentiment":"neutral","sentiment_score":0.012265179306268692},{"text":"And I think that's the main thing I'll focus on is I'm just gonna put them side by side.","start":4287.2,"end":4291.94,"sentiment":"neutral","sentiment_score":0.07394522232444663},{"text":"And most of the time, when people are getting salary continuance when they're 30 or 40, the question is always around which one's got the best benefit for the lowest premium.","start":4292.16,"end":4301.215,"sentiment":"neutral","sentiment_score":0.03476376969727778},{"text":"You've also now got the question of when does this expire, when can I claim on it, when can I not, And it's those aspects that I would like to put side by side so it's quite clear for you?","start":4302.875,"end":4313.9297,"sentiment":"neutral","sentiment_score":0.02789644112344831}],"sentiment":"neutral","sentiment_score":0.039373837765711156,"num_words":92,"start":4277.695,"end":4313.9297},{"sentences":[{"text":"Sound alright?","start":4315.75,"end":4316.4897,"sentiment":"neutral","sentiment_score":0.18974227458238602},{"text":"Perfect.","start":4318.8696,"end":4319.3696,"sentiment":"neutral","sentiment_score":0.26968660950660706},{"text":"Yep.","start":4321.03,"end":4321.335,"sentiment":"neutral","sentiment_score":0.10320454835891724},{"text":"I will digest that this week.","start":4321.495,"end":4323.815,"sentiment":"neutral","sentiment_score":0.13636761531233788},{"text":"I will also send you that email introducing you for the accounting side of things while I do this.","start":4323.815,"end":4329.995,"sentiment":"neutral","sentiment_score":0.09393902495503426}],"sentiment":"neutral","sentiment_score":0.11570423700172326,"num_words":29,"start":4315.75,"end":4329.995},{"sentences":[{"text":"Sorry.","start":4341.19,"end":4341.5103,"sentiment":"neutral","sentiment_score":-0.08923541009426117},{"text":"Remind me again the structure fees for yeah.","start":4341.5103,"end":4350.165,"sentiment":"neutral","sentiment_score":-0.05162889475468546},{"text":"So we've input there for the next annual review that you're getting tiered fee structure input into the next agreement.","start":4350.165,"end":4359.9453,"sentiment":"neutral","sentiment_score":-0.0071852517328807155},{"text":"So, normally, it's a percentage on the whole balance, but now we're going to be doing percentages.","start":4361.09,"end":4367.4297,"sentiment":"neutral","sentiment_score":-0.003583923146566924},{"text":"So above 200,000, it goes down.","start":4367.57,"end":4370.13,"sentiment":"neutral","sentiment_score":-0.05807284638285637}],"sentiment":"neutral","sentiment_score":-0.02029491104957952,"num_words":52,"start":4341.19,"end":4370.13},{"sentences":[{"text":"Above 500 thousand, it goes down as well.","start":4370.13,"end":4372.79,"sentiment":"neutral","sentiment_score":-0.04849338065832853},{"text":"So I will come back to you on the insurances, then I've got to get you an updated service agreement because we have just launched it.","start":4372.975,"end":4381.475,"sentiment":"neutral","sentiment_score":0.08690525892262276},{"text":"And from what I'm looking at, it's about $700 saved.","start":4381.695,"end":4385.07,"sentiment":"neutral","sentiment_score":0.07190624503418803},{"text":"Cool.","start":4391.07,"end":4391.23,"sentiment":"positive","sentiment_score":0.5651266574859619},{"text":"Exactly right.","start":4391.23,"end":4392.11,"sentiment":"positive","sentiment_score":0.4230049401521683}],"sentiment":"neutral","sentiment_score":0.08514443989050516,"num_words":47,"start":4370.13,"end":4392.11},{"sentences":[{"text":"Everything helps.","start":4392.11,"end":4393.01,"sentiment":"positive","sentiment_score":0.5018449425697327},{"text":"Awesome, James.","start":4398.8296,"end":4399.725,"sentiment":"positive","sentiment_score":0.40798626840114594},{"text":"Thanks.","start":4401.325,"end":4401.825,"sentiment":"neutral","sentiment_score":0.1891460716724396},{"text":"Always a pleasure, my friend.","start":4403.485,"end":4404.845,"sentiment":"positive","sentiment_score":0.6203579664230346},{"text":"I will dive into the insurance, get you the account details, and talk to you pretty soon.","start":4404.845,"end":4409.585,"sentiment":"neutral","sentiment_score":0.24186100503977606}],"sentiment":"positive","sentiment_score":0.34156427449650234,"num_words":27,"start":4392.11,"end":4409.585},{"sentences":[{"text":"Yours too.","start":4412.4453,"end":4413.085,"sentiment":"positive","sentiment_score":0.693924069404602},{"text":"Have a great week.","start":4413.085,"end":4413.813,"sentiment":"positive","sentiment_score":0.7605949491262436},{"text":"Thanks.","start":4416.213,"end":4416.693,"sentiment":"positive","sentiment_score":0.6155438423156738},{"text":"Bye.","start":4416.693,"end":4417.193,"sentiment":"positive","sentiment_score":0.3911958932876587}],"sentiment":"positive","sentiment_score":0.6796209588646889,"num_words":8,"start":4412.4453,"end":4417.193}]}}]},{"alternatives":[{"transcript":"Hey. Tell me. I'm good. Thanks, mate. How are you? Oh, good. Likewise. Likewise. Yeah. It it's just good to catch up and move things along from where we were last time. Couple of weeks ago, a month or two. Oh, on that note, how's the little one? Right. Okay. Okay. So she's in a routine now? Right. Okay. Okay. Well, that's the main thing is as as long as the little the little ones are good and good health and mom's good health and the family's sort of moving along. Yep. Yeah. All good. All good. I'm just gonna see. Three zero zero four six three. It's just 20811 Victoria Street, New South Wales, Roseville 2069. Just that documents come through now. Yeah. October. I think October, November. Yeah. So hopefully things will change. The signature. Sign all. And then today's date. Done. Next document. Next document. Right. Okay. It's loading. How's business like business wise for you guys? Download. Right. Yeah. Yeah. Yeah. I get it. I get it. Yeah. It's just 36707. Okay. Yeah. I'm not sure. Let me quickly double check. Yep. Something's come back through. Signed request. Okay. Signed. Signed document. Yep. Okay. Right. Yep. All good. Right. Okay. Yep. Okay. Yep. Yeah. Just just on just on that particular point, Tommy. Quick question. Given and and and and this is more from my my space the way I speak because I'm I'm in the risk management space. Given the way the market is at the moment, we're quite unstable, everything, and given that I've actively got only, what, three, three and a half years left for official retirement, not that I want to, but I'm gonna be placed in that worst case scenario if it happens. With the exposure of 50%, is that too much? Okay. Do you do you think the market is too volatile given what's happened at a global global level and geopolitical risks and all that type of thing? So if we were to take if we were to take the last ten months or the last twelve months, how has how has the market performed in that? And I guess I'm talking around my my investment in the super space given what's been happening. I'm just trying to ascertain, am I being is my exposure too much? Is my exposure just right? Does it mean that if something happens, is the time frame I've got left for working is sufficient? Because that's that's my fear right now. You get it, Tom? Tell me. Yep. Yep. Right. When was the peak? When was the peak? Yep. Yep. Yep. Yep. Right. What's the likelihood of that? Okay. So if we were if we were to look from the peak from the peak to where we are now, what's the drop? Or are we are we ahead? Okay. Yeah. Okay. So so just while you're at it, Tommy, if you look at it, if we take it from the January 1, what's the growth that we've had to year to date? Okay. So so what's it now? September. October, November, December. So if we look at it, we're probably looking what's it best we're looking at? Six to 7% by year end? Okay. So in other words, we're a little bit worse off than we were last year. So I think last yeah. Last year, we got nine plus percent, didn't we? Nine yeah. Yeah. Yeah. Yeah. Right. Yeah. Okay. Okay. Alright. Okay. What so so if we look at from the from the cash investments, how much of my holdings are sitting in cash at the moment? Yeah. Yeah. That's fine. Fifteen twenty five 30 five. About 35. Yeah? Yeah. Okay. Yeah. Okay. Alright. Okay. Alright. Okay. Okay. Yeah. Yeah. Alright. Well, let's hope so given the way the market is at the man at the moment. Yeah. No. Well, you may have. I I just can't remember it. I know we talked about that you were gonna make the adjustments to be a bit more conservative. Alright. But no. Okay. Yeah. Yep. Yep. Yeah. Yeah. Yep. Yep. Yeah. Oh, yeah. I think it will be for for a couple of months anyway. Because the RBA is already talking a bit. Yeah. Great. Yep. Yep. Yep. Sounds sounds good. Sounds logical. Alright. Okay. Thanks for doing all that. Appreciate it. Yep. Yeah. Okay. So I've been speaking to a if you wanna call it properties property investment strategist. And I'm waiting we we had one meeting, so I'm waiting for the final. But the initial step at the moment is she's she wants me to offload my Crow's Nest property and get a print a principal place of residence. Okay? Okay. So I've engaged my my current property manager who's managing my property, and he's he's a friend. So I'm just waiting for him now to come back with his proposal. One one, I'll save a bit on on the fees because of being a friend. He said he'll look after me. And second thing is I've asked him to help me for a look out. So I'm looking I'm looking at a at the moment based on the numbers that that property that property strategy and I went through. She said, look. We should be looking for a property around about eight 08:50. And I said, well, this is a Sydney market. With me pushing all the way outside of Sydney, it's gonna be a problem. So I think she said the upper limit's $9.50 at this point in time, but that's on the basis that I can get $7,474,747.50 top end. My property manager and my friend just said, look, probably $7.40 is really ideal. We won't be pushing it. If we get $7.50, it'll be good. But I wanna move because Crows Nest at the moment, it's got a lot of development going on now because of this New South Wales state government's, you know, the TOD and all the zoning for properties being near Wales infrastructure. So my property is an older one. It's a one bedroom. So from a market point of view, I probably have a chance to be like you said, it's ideal for the first home buyer rather than an investor. So we're gonna try and target it that way. So if we look at it, I'm probably being realistic. I'll be looking, what, 07:30, 07:40 if we can get $7.50 be ideal. The the whole the whole purpose of it, what is what the property strategist is trying to do is minimize the residual the residual cost I have. In other words, the debt I'll have to carry from the borrowing from from the seller property then borrowing the money to get myself into that property at the moment. For the time being for the time being, the way she's working is she says, look. Let's look initially at holding the Melbourne property. Okay? So that that's what we're we're going to do at the moment. Right? So we'll we'll just see. I still have to have a session with herself to to to do the second part, but I need to give an update. That's what I'm planning to do. So that's a plan. She'd like me to get rid of my property and and into a new one, you know, within the next six months because, one, I've already made the money on my existing property, the unit. She said, look. It's not worthwhile chasing more because the longer you chase it, the longer you wait, which means the value of the buying side of it also goes up, and I'm paying more rent. So that's the plan. That's the plan. Yep. Yep. Yes. Yeah. It was kinda like because I just had my mind fixated on on having as many properties as I could because I just needed to I just wanted this situation being able to fund my retirement from a passive perspective. And I think I think given what's what she should be in numbers, the reality is I think it's highly unlikely at the moment. So so at best, I probably, if I can, is have one property at the moment with my own PPR. So she said, look, if you can get into your PPR now, you use one, you save on the rent you're paying, which is about 3,200. It's gonna go up again. It's gonna go up because of the rental market. So I'm really fortunate that I'm only paying 800 at the moment, but my property manager who who looked after me, he got me into this property. He's no longer the property manager. He just said to me, look. Just just be ready for an increase in the rent. You've had a good run. So I'm hoping it doesn't happen, but the chances are are very low that the rental the rent will stay the same. It'll definitely go up. So when I'm paying what I'm paying $808,100 dollars at the moment. Worst case scenario, I probably might be paying $8.50, $8.60, which is another 200 another 200 a month. But at the moment, my plan is is not get that, but I just have to bank that they'll be the case. So if I can get my own property, at least I can put that money towards the PPR. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. So now that's one big positive is that, you know, I'm grateful that, you know, I hope you've been able to help me manage and grow that super fund over the last three years for me, and I'm happy about that. I don't wanna really touch my super as in leaning on it right now. I just wanted to grow as much as I can. So that's something that I've got. But then again, you know, I'm open to any other opportunities. I know that the SMSF component of using Super to buy property now, the door has been shut on that by the government. So I I don't know what you would recommend going forward on that side. So, I mean, I'm open to to various thought patterns that you may have around the strategy on on using my super. I I don't know what you would suggest, Tommy. Or do we keep going the path we're going or do we look at opportunities to grow that super even further? Right. Okay. Yeah. Yeah. Okay. Yep. Yep. Yep. Yep. Yes. Jeez. Okay. Okay. Right. Okay. Okay. So just on what we've just discussed then, tell me what what are your thoughts in terms of what we're at this point and what do we do? We keep going the way we're going with your with your active management on my super and me just getting into a PPR for the time being. Is is that what you would concur with, or where have you got other thoughts you would like to share? Okay. Right. Yeah. Yeah. Okay. Okay. From from a taxation perspective, is there anything you could think of? Because I've one of the other thing is, Tommy, I how would I put it? My current tax accountant does my job. She's in Brisbane. She's up at Sanford, but I don't think she's doing a lot for me. She prepares my tax and that's about it. Right? And and and I don't know. She's not giving me much guidance and things like that. So I really wanna find someone who, you know, a a tax account and a tax account that can help me a bit in terms of trying to maximize what I can do in the next three years given the situation I'm facing. Yep. So Yeah. So this property that I've got, the Croes Nest one, there's no CGT on it because it's still inside that six year mark. Right? So if I offload that this year, I've still got it went it I started renting that out in 2024. So literally, I'm only two years into that six year period. So from a CGT perspective, I've got nothing on it. I I won't be paying any CGT on it from a six from a six g perspective. However, I I just need I I just don't know. I mean, do you guys offer an accounting practice that can help me? Yeah. Right. Right. Yep. Yep. Yep. Yep. Now I I've oh, sorry, Tommy. Sorry, Tommy. I was just gonna say, transitioning from my existing to the new accountant, do I have to be involved with it or is that all done between the two parties? Yep. Yep. Okay. Okay. Yep. So any of the historical paperwork, the new accountant, the new party will be able to access anyway. Right? Okay. Alright. Alright. Yeah. Yep. Yep. Yep. Okay. Yep. Okay. Alright. And it's not gonna make any I mean, the tax laws are universal as in Australia. Right? It doesn't matter which state the account sits in. Yeah? Okay. Yeah. It's all federal. Yeah. Okay. Alright. Alright. That that that'd be good because, like I said, I've I've been looking of I mean, I've had my property for two years now and and and both parties rental, and I send a lot of I send a lot of, you know, info information that she prepares my text, but she doesn't give me any guidance. And all she just prepares the thing and send it to me, and then all I know is this is what I'm getting back in terms of a credit, a rebate, and that's it. And then I don't know I don't she doesn't explain to me I could've got more if we did this or blah blah blah. I'm getting no guidance. And then and given that I'm I'm at I'm at the stage that I'm at, I wanna obviously maximize my situation as much as I get. Not illegally. Not illegally. But, you know, I wanna be able to do the right thing so I don't have to pay more than what I really have to. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Would you be able to arrange that for me in terms of speaking to speaking to parties? No. Only only for well, the only one that's due the only one that needs to be prepared for is the twenty five twenty six. Hang on. 2526. Yeah. Yeah. Because I've got two May next year. That's right. Yeah. Yeah. So sorry. No. No. No. No. You'll be only sorry. It'd be the current year. The 2526 already been done because that had to be done by by the May 31 this year. So that's been done. It's they don't is it be right? No. No. No. No. Sorry. Sorry. It's a it's a 2526 that needs to be prepared for last financial year. Yep. Yeah. Yeah. Yeah. Yeah. That's right. Yeah. Yeah. Right. Yes. Yeah. Yep. Okay. So just so you you know, you've been dealing with me for for a year or two now. You have an idea of my personality, etcetera. Is there one that you say, oh, why then you should speak to this one first? Right. Right. Right. Yep. Yep. Yep. Yep. Yeah. Yeah. Okay. Okay. Because at the end of the day, it doesn't bother me too much where I am as long as the communication lines are open and and we can we we we can do those comms whichever way, either over a technology product platform, voice, or or, you know, teams and that type of thing, that's fine for me as long as I can, one, visually see what they need to show me and likewise, what they need to show me they're happy to do over technology. Alright? But I I just I just want yeah. Could you do that? Yeah. If you could just give me a lead in on on to whoever as well so they'll rather than it becoming a cold call. Yeah? While I got you, I'm moving on to the second point now. Now one of the things the strategist the the investment strategist are basically a financial planner. So to let you know, I'm dealing with Empower Wealth. So I'm dealing with Empower Wealth on their property side, the property investment side. And I'm dealing with one of their best investment property investment strategist there by the name of Polly Chu, c h u. You probably could look her up. Now I get on well with that because she's in a she's a counted by qualification. So we talk numbers and me coming from risk background, it makes it really better for me to talk like that because she talks in detail. And then and I tend to I tend to prefer someone to talk in details rather than just say, oh, this is what I'm going to do, etcetera. I mean, my partner operates like that. She doesn't wanna know the details, but I do. So I've I've also I've also been riding her back in a hotel to tell her she needs to talk to you guys about her super. She doesn't have regular meetings with you guys, which she's short on an annual basis. So she spoke to I think she spoke to, Sebi initially to get on because I I put her on I put, her onto Sebi, which I did when I first joined. So I'm trying to get her to contact you guys to at least do an annual review. She's she's five years older than I am. So I told her she needs to engage you guys and and and start, you know, being actively involved with the super. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. So I've been riding her back to get in touch with you guys to at least do that. That's the thing. Okay. The other thing I've I've got to I'm sorry. I went sidetracked when I spoke to Polly. Polly asked me to check. I've currently run I currently, as you know, with my work super with ANZ through my organization, I've got an insurance component on that. It's a salary continuance insurance. On top of that on top of that, I run a retail one that's been going for twenty odd years. But now it's starting to drop off a bit in terms of my my premium. It's going down. Question is and and that that that that coverage only continues to 65. The question that she's asked me to ask you is, do I keep both or do I offload the the retail one, which is the MLC, which is now a sender? Yeah. Given that I've got the salary continuance on the work super, which I pay $600 a month out of a fortnight out of my own pocket. Okay. Yep. In terms of in terms of benefits? Yep. Yeah. I I've claimed on it once when I had my bypass, but that was 2,005, 2,006, but I've made no further claim. They wouldn't allow me to put t b PPD on it because of the bypass back then. They they didn't have a buyback, but they got buybacks on their policy. But the policy I got at the time didn't have buyback on it. Oh, yeah. Yeah. When I made that claim, they paid out on they paid out a 120 k, I think, at the time, and they got wiped out. Oh, that they'll run that will run whilst I'm employed. And then generally, they they generally give you the option. Right? Generally, they'll give you the option if you move on to continue it. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yes. So I've got two salary continuance going at the moment. Yeah? So the, yeah, so so the Ascender the Ascender one, which was known as MLC, that's a retail salary continuance that I acquired in '2 or I acquired in 1919 or 1999, I think. I acquired that. Yeah. And and I've made one claim on that for TPD of which they paid out. Okay? Now there is salary continuance on that. There is also salary continuance on my a n zed one, which I pay out of my my my salary. Okay. So yeah. I also have a life that that the a and zed one has a life component, and it also has the salary continuance component. I'm just trying to see if I can switch over. Just give me a sec. I'll I'll switch screens to my work so I can tell you what I'm paying out of my salary continuance. What I'm paying out of my salary for the salary continuance insurance. Just give me a sec. But it's a group one. I don't have I don't have the policies. It's a group insurance. Okay. Just give me a sec. Is the weather warm up there? It's just gone from winter straight into summer down here. Yeah. Yeah. I heard you guys had a bit of you guys had power disruptions and everything up there. Yeah. Yeah. Okay. So sorry. So so I've got so salary continuance. Right? Actually, my apologies. It's more than 600. That was total. So my apologies. The salary continues. I pay $40.75 a fortnight. 4 04075. And then the yep. Okay. Right. Yeah. Oh god. I think they have Yeah. Let let me let me I I won't be able to afford because they they don't they because it's group insurance. Right? I I don't have a copy of it. Let me let me have a dig because I know I did ask the question many years ago when I joined. Just give me a second. I'll see if I can find my see if I can I I got anything? My documents. Yeah. Yeah. I get that. Just give me a sec. Give me a sec. You might be in luck. Okay. So I've oh, okay. So I've got the annual super, and they got insurance fee. So it it probably comes under the ANZ Smart Choice Super. And it's Smart Choice Super. It only tells me the insurance fee I paid in total. Why would I have paid why would I have paid insurance fee of 2,495? Okay. Yep. They got a preservation component here. The preservation benefit of $32,831.81. What's that? Oh, okay. Okay. Alright. I get that. Okay. Okay. Have you seen that statement? Because it shows me the break. When did she? Yeah. Yeah. Okay. Okay. So it says how much super will I get? It's shocking. Right? I've been with them seven years, and I only get a 132,000 out of that. Yeah. Oh, okay. Okay. Okay. Alright. Alright. Okay. Okay. Here we go. Here we go. So I've got a total disability benefit. Right? Right? A total disability. So in the event of your total and permanent disability, your sum insured is $3,084.12 and 63¢. Alright. Okay. And and yeah. Okay. The sum insured. Alright. To 865 expiry. The actually, the insurer, I said that the death benefit insurer is Zurich, Australia. Right? And and it's got a okay. So and then the benefit the benefit of $341,244.44. This this one is from September last year. So let me tell you exact date. This one is the thirtieth sorry. June 30 last year. Yeah. Yep. Yeah. Okay. Yep. Okay. Is that enough for you to work off? Yes. It's it's me. They're both virtually exclusive. Yeah. Yeah. Yeah. Yeah. I've got that. Yeah. Yeah. I've got that. Just give me a sec. Just give me a second. M l c. M l y have I got this? Just bear with me. I'll log I'll log in to I'll log in to this my sender account and get that directly. Okay. Select option. Download certificate of currency. Okay. Alright. Email. Let's see. Okay. Let me send the email to you. Tell me, what's your email address? Yeah. Yeah. Dot Tommy at Oakview. Financial? No no s on the end of it? Financial. Oh, okay. Yeah. Financial dot com dot a u. Okay. I'll just say send Alright. It's on the way? Yep. Yep. So I'll have so who who does that go to? The email address? Contact at a u financial dot com dot a u. There's I'll just say I know. Copy. Just give me a sec. I've copied you in on the email. Alright. So I'll let you consume that and then come back to me. What else do we need to go away? I'm just trying to think. I think that that's it. Yeah? Tommy? Yeah. Yeah. Yeah. So just just one other thing. Because of the age, I know you and I talked about this some time ago. Given I'm working full time in terms of accessing the super, I don't need to do all that, do I? For whatever benefits. Yeah. Right. Okay. Okay. How what what's the benefit of doing that? Yeah. Right. Okay. Alright. Yeah. Yeah. Okay. Quick question for you so you can think. I've got I've got about a 150 k sitting in my offset account, right, for my Croeseness property at the moment. I I don't fully understand it, but I'm hoping you can share with me knowledge wise. Because I don't have a lot of time in terms of investing, I'm thinking I've been talking to people and they say, oh, why don't you go into e ETFs? Now from that perspective, what do I need how do I utilize that to do to my advantage or get hopefully get a return out of that, Tommy? Buying ETFs. How how does it work? Yeah. Yep. Yep. Yep. Yeah. Okay. How the how do how does the selection work or you don't? Do you just buy you just buy, like, what you said? Just go on and how do I work out which ones that I should buy? Oh, okay. Sorry. Yep. Yep. Yep. Yep. Yep. Yep. Right. Yep. Yep. Okay. Yep. Yep. Yep. I I I get that. I get that. I get that. Yes. Okay. Okay. Yep. Right. Right. Yep. Yep. Okay. Okay. So cash is probably the best way to do it at the moment on the safer side. Yeah? Right. Okay. Understood. Okay. Alright. Yeah. I know the market's very sort of unknown at the moment. It's all over the shop. And, you know, I I don't think we've we've faced the world economy or the world the global side of things the way we are seeing the world at the moment. And and you've got you've got a rep you've got an erratic leader sitting, you know, in in The US and what's happening with Ukraine and everything else in The Middle East. It's just all over the shop, and we haven't seen that, you know, we haven't seen that sustained environment for I don't think we've ever had. Right? You've always had one or the other, but it just seemed just all thrown in at the one time at the moment. Yep. Yeah. Yeah. Okay. I think you sort of kinda answered my question. It's given given the time frame I've got, the risk is just not worth it other than dropping it in, like, cash or something and knowing I'm gonna get my 6%. Just give me a sec. 5.89, I think it is. 5.89. But I'll just tell you exactly. Just give me a second. Let me I I I know I did that through Bendigo Bendigo Bank. And they and they've got bloody Apple all over them at the moment. We and and and I'm not gonna lie, but it's public knowledge about my organization. Aper has also issued a letter on us on our engine for incorrect incorrect reporting. Yeah. And can I just let me have a look? I've got two loans. Okay. Where's this one? No. That's not the one. That's not the one. Offset. Let's see. Offset. The mortgage is okay. The b one, the 259. Interest. Where am I going? Why am I not seeing account account account. How do I upcoming details? Okay. So there's two loans, one loan. This is the one the main loan. This has got a balance of $258,616.97. The interest rate on that is variable, and it's 5.89. And that's for thirty years. I've got three hundred and fifty five months remaining. There is a second yeah. Yeah. You've got all the details. Right? And then there's a second loan. There there's a second loan that has a balance of a $105,172.68, and that has an interest rate of that that was for a full amount of $222,222 exact, and I still have a 100 I still have a 100 odd thousand credit. The intent of using that was to buy a second property, the deposit for that? Okay. And the rate on this one is 6.28. That's I think that's I think that's interest only. It's variable, but I think it's interest only. Doesn't how do I work? Yeah. Yeah. It's variable. Interest on I think it's interest only on that one. K. Yeah. Yep. Yep. Same same amount of months. It was all done around the same time. Too attractive to pass up to 6%. Okay. Alright. Because once I get once I get rid of the once I get rid of that the Crow's Nest property, alright, I think that the $2.01 the 200 odd thousand will go. Right? And just depends on what my broker says about the remaining the 200 and triple 2, the triple 2 triple 2 additional loan, which which has well, which has a 105,000 debit on it or whatever it is. Yeah. And the remaining the remaining is in credit. So I don't know what's the best way to do that. He might tell me to off to get rid of it all. I don't know. So what do you mean? Tell me what do you mean? Tell me what do you mean? K. Alright. It's unlikely. It's unlikely because for me to move into my PPR. So I'm looking at maybe at best getting $7.30, seven forty. That will clear that will clear my debt, but then I still have to borrow money to buy the PPR. Alright? So at the moment, the the suggested number I should be looking at is about $8.50, but unless I buy a one bedroom yeah. $8.50 to $9.50. That's what I'm looking at. So that that that will probably bring me up to be at the $506,100,000 dollar mark. Right? That was said. She she was yeah. She was calculating it working on 7% borrowing. Okay. Okay. Yep. Okay. Alright. So so suggestion, let me run this by myself for the moment. Focus on getting rid of that Croeseness property as as mentioned. Right? I'll get rid of that. And then whatever I get out of that, clear the clear the obviously, the loan has to be cleared. And then the intent is to buy the PPR roundabout the same time as well. I'm not leaving it too long. She said she'd like me to get into a PPR within the six six months if I can. Okay. Alright. It's a plan plan of way forward. It's yeah. The the thing, Tommy, was the emotional part of me wanted to hang on to those properties because I wanted to build up a portfolio of properties. Now because I couldn't do the numbers, I'm not an accountant, I thought it was possible. But then she walked me through the numbers and it wasn't it was just basically having the noose around my neck and given the time frame. If I had ten years, that's a different story, but I don't have ten years. And that's the reality of it because she said, look. You don't wanna be in that position because use the opportunity you got for this next three years to borrow because once you go into retirement, she was working, then I'll be working part time in three years. I mean, obviously, I wanna keep working, but I don't know what the circumstances will be, and I just gotta work on the worst case scenario. Now if I'm still working in three years, that's a different story. Yeah? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Okay. Sounds good. Alright. We got a plan then. Yep. Well well, I'll be guided by you because basically the the the strategist said, look, you've got she was speaking more from a logical perspective. I think it was just saying you've got two salary continuance. Is it one you could offload? Right? So so, I mean, the logic says why have two? You you only need one. Right? But she wanted the professional opinion to be cast over it, which is yourself. Yeah. Yeah. Yeah. Yep. Yep. Okay. Sounds good. Yep. Sounds good. Then I'll just wait till you let me know. Okay. Yep. And also while I got it, I just it just came back to my head since you said to me you were gonna talk to me about the structure fees last time. You said because I had reached, what, 600,000 or something, the fees the fee structure changes or something? Which means what? Which means what? Which means what? Yeah. Yeah. We Yep. Yep. Okay. Yep. Yeah. Okay. Okay. Sounds good. That can go into my earnings. Can help me earn more money. Alright. Yep. Okay. Alright, Tommy. Thanks for your time. Anything else before we close off? Anything else we need to no. Okay. Same. Yeah. Thanks so much, man. Appreciate your time. You too, man. Cheers. Thank you. 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Tell me. I'm good. Thanks, mate. How are you?\n\nOh, good. Likewise. Likewise. Yeah. It it's just good to catch up and move things along from where we were last time.\n\nCouple of weeks ago, a month or two. Oh, on that note, how's the little one? Right. Okay. Okay.\n\nSo she's in a routine now? Right. Okay. Okay. Well, that's the main thing is as as long as the little the little ones are good and good health and mom's good health and the family's sort of moving along.\n\nYep. Yeah. All good. All good. I'm just gonna see.\n\nThree zero zero four six three. It's just 20811 Victoria Street, New South Wales, Roseville 2069. Just that documents come through now. Yeah. October.\n\nI think October, November. Yeah. So hopefully things will change. The signature. Sign all.\n\nAnd then today's date. Done. Next document. Next document. Right.\n\nOkay. It's loading. How's business like business wise for you guys? Download. Right.\n\nYeah. Yeah. Yeah. I get it. I get it.\n\nYeah. It's just 36707. Okay. Yeah. I'm not sure.\n\nLet me quickly double check. Yep. Something's come back through. Signed request. Okay.\n\nSigned. Signed document. Yep. Okay. Right.\n\nYep. All good. Right. Okay. Yep.\n\nOkay. Yep. Yeah. Just just on just on that particular point, Tommy. Quick question.\n\nGiven and and and and this is more from my my space the way I speak because I'm I'm in the risk management space. Given the way the market is at the moment, we're quite unstable, everything, and given that I've actively got only, what, three, three and a half years left for official retirement, not that I want to, but I'm gonna be placed in that worst case scenario if it happens. With the exposure of 50%, is that too much? Okay. Do you do you think the market is too volatile given what's happened at a global global level and geopolitical risks and all that type of thing?\n\nSo if we were to take if we were to take the last ten months or the last twelve months, how has how has the market performed in that? And I guess I'm talking around my my investment in the super space given what's been happening. I'm just trying to ascertain, am I being is my exposure too much? Is my exposure just right? Does it mean that if something happens, is the time frame I've got left for working is sufficient?\n\nBecause that's that's my fear right now. You get it, Tom? Tell me. Yep. Yep.\n\nRight. When was the peak? When was the peak? Yep. Yep.\n\nYep. Yep. Right. What's the likelihood of that? Okay.\n\nSo if we were if we were to look from the peak from the peak to where we are now, what's the drop? Or are we are we ahead? Okay. Yeah. Okay.\n\nSo so just while you're at it, Tommy, if you look at it, if we take it from the January 1, what's the growth that we've had to year to date? Okay. So so what's it now? September. October, November, December.\n\nSo if we look at it, we're probably looking what's it best we're looking at? Six to 7% by year end? Okay. So in other words, we're a little bit worse off than we were last year. So I think last yeah.\n\nLast year, we got nine plus percent, didn't we? Nine yeah. Yeah. Yeah. Yeah.\n\nRight. Yeah. Okay. Okay. Alright.\n\nOkay. What so so if we look at from the from the cash investments, how much of my holdings are sitting in cash at the moment? Yeah. Yeah. That's fine.\n\nFifteen twenty five 30 five. About 35. Yeah? Yeah. Okay.\n\nYeah. Okay. Alright. Okay. Alright.\n\nOkay. Okay. Yeah. Yeah. Alright.\n\nWell, let's hope so given the way the market is at the man at the moment. Yeah. No. Well, you may have. I I just can't remember it.\n\nI know we talked about that you were gonna make the adjustments to be a bit more conservative. Alright. But no. Okay. Yeah.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nYep. Yeah. Oh, yeah. I think it will be for for a couple of months anyway. Because the RBA is already talking a bit.\n\nYeah. Great. Yep. Yep. Yep.\n\nSounds sounds good. Sounds logical. Alright. Okay. Thanks for doing all that.\n\nAppreciate it. Yep. Yeah. Okay. So I've been speaking to a if you wanna call it properties property investment strategist.\n\nAnd I'm waiting we we had one meeting, so I'm waiting for the final. But the initial step at the moment is she's she wants me to offload my Crow's Nest property and get a print a principal place of residence. Okay? Okay. So I've engaged my my current property manager who's managing my property, and he's he's a friend.\n\nSo I'm just waiting for him now to come back with his proposal. One one, I'll save a bit on on the fees because of being a friend. He said he'll look after me. And second thing is I've asked him to help me for a look out. So I'm looking I'm looking at a at the moment based on the numbers that that property that property strategy and I went through.\n\nShe said, look. We should be looking for a property around about eight 08:50. And I said, well, this is a Sydney market. With me pushing all the way outside of Sydney, it's gonna be a problem. So I think she said the upper limit's $9.50 at this point in time, but that's on the basis that I can get $7,474,747.50 top end.\n\nMy property manager and my friend just said, look, probably $7.40 is really ideal. We won't be pushing it. If we get $7.50, it'll be good. But I wanna move because Crows Nest at the moment, it's got a lot of development going on now because of this New South Wales state government's, you know, the TOD and all the zoning for properties being near Wales infrastructure. So my property is an older one.\n\nIt's a one bedroom. So from a market point of view, I probably have a chance to be like you said, it's ideal for the first home buyer rather than an investor. So we're gonna try and target it that way. So if we look at it, I'm probably being realistic. I'll be looking, what, 07:30, 07:40 if we can get $7.50 be ideal.\n\nThe the whole the whole purpose of it, what is what the property strategist is trying to do is minimize the residual the residual cost I have. In other words, the debt I'll have to carry from the borrowing from from the seller property then borrowing the money to get myself into that property at the moment. For the time being for the time being, the way she's working is she says, look. Let's look initially at holding the Melbourne property. Okay?\n\nSo that that's what we're we're going to do at the moment. Right? So we'll we'll just see. I still have to have a session with herself to to to do the second part, but I need to give an update. That's what I'm planning to do.\n\nSo that's a plan. She'd like me to get rid of my property and and into a new one, you know, within the next six months because, one, I've already made the money on my existing property, the unit. She said, look. It's not worthwhile chasing more because the longer you chase it, the longer you wait, which means the value of the buying side of it also goes up, and I'm paying more rent. So that's the plan.\n\nThat's the plan. Yep. Yep. Yes. Yeah.\n\nIt was kinda like because I just had my mind fixated on on having as many properties as I could because I just needed to I just wanted this situation being able to fund my retirement from a passive perspective. And I think I think given what's what she should be in numbers, the reality is I think it's highly unlikely at the moment. So so at best, I probably, if I can, is have one property at the moment with my own PPR. So she said, look, if you can get into your PPR now, you use one, you save on the rent you're paying, which is about 3,200. It's gonna go up again.\n\nIt's gonna go up because of the rental market. So I'm really fortunate that I'm only paying 800 at the moment, but my property manager who who looked after me, he got me into this property. He's no longer the property manager. He just said to me, look. Just just be ready for an increase in the rent.\n\nYou've had a good run. So I'm hoping it doesn't happen, but the chances are are very low that the rental the rent will stay the same. It'll definitely go up. So when I'm paying what I'm paying $808,100 dollars at the moment. Worst case scenario, I probably might be paying $8.50, $8.60, which is another 200 another 200 a month.\n\nBut at the moment, my plan is is not get that, but I just have to bank that they'll be the case. So if I can get my own property, at least I can put that money towards the PPR. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. So now that's one big positive is that, you know, I'm grateful that, you know, I hope you've been able to help me manage and grow that super fund over the last three years for me, and I'm happy about that. I don't wanna really touch my super as in leaning on it right now.\n\nI just wanted to grow as much as I can. So that's something that I've got. But then again, you know, I'm open to any other opportunities. I know that the SMSF component of using Super to buy property now, the door has been shut on that by the government. So I I don't know what you would recommend going forward on that side.\n\nSo, I mean, I'm open to to various thought patterns that you may have around the strategy on on using my super. I I don't know what you would suggest, Tommy. Or do we keep going the path we're going or do we look at opportunities to grow that super even further? Right. Okay.\n\nYeah. Yeah. Okay. Yep. Yep.\n\nYep. Yep. Yes. Jeez. Okay.\n\nOkay. Right. Okay. Okay. So just on what we've just discussed then, tell me what what are your thoughts in terms of what we're at this point and what do we do?\n\nWe keep going the way we're going with your with your active management on my super and me just getting into a PPR for the time being. Is is that what you would concur with, or where have you got other thoughts you would like to share? Okay. Right. Yeah.\n\nYeah. Okay. Okay. From from a taxation perspective, is there anything you could think of? Because I've one of the other thing is, Tommy, I how would I put it?\n\nMy current tax accountant does my job. She's in Brisbane. She's up at Sanford, but I don't think she's doing a lot for me. She prepares my tax and that's about it. Right?\n\nAnd and and I don't know. She's not giving me much guidance and things like that. So I really wanna find someone who, you know, a a tax account and a tax account that can help me a bit in terms of trying to maximize what I can do in the next three years given the situation I'm facing. Yep. So Yeah.\n\nSo this property that I've got, the Croes Nest one, there's no CGT on it because it's still inside that six year mark. Right? So if I offload that this year, I've still got it went it I started renting that out in 2024. So literally, I'm only two years into that six year period. So from a CGT perspective, I've got nothing on it.\n\nI I won't be paying any CGT on it from a six from a six g perspective. However, I I just need I I just don't know. I mean, do you guys offer an accounting practice that can help me? Yeah. Right.\n\nRight. Yep. Yep. Yep. Yep.\n\nNow I I've oh, sorry, Tommy. Sorry, Tommy. I was just gonna say, transitioning from my existing to the new accountant, do I have to be involved with it or is that all done between the two parties? Yep. Yep.\n\nOkay. Okay. Yep. So any of the historical paperwork, the new accountant, the new party will be able to access anyway. Right?\n\nOkay. Alright. Alright. Yeah. Yep.\n\nYep. Yep. Okay. Yep. Okay.\n\nAlright. And it's not gonna make any I mean, the tax laws are universal as in Australia. Right? It doesn't matter which state the account sits in. Yeah?\n\nOkay. Yeah. It's all federal. Yeah. Okay.\n\nAlright. Alright. That that that'd be good because, like I said, I've I've been looking of I mean, I've had my property for two years now and and and both parties rental, and I send a lot of I send a lot of, you know, info information that she prepares my text, but she doesn't give me any guidance. And all she just prepares the thing and send it to me, and then all I know is this is what I'm getting back in terms of a credit, a rebate, and that's it. And then I don't know I don't she doesn't explain to me I could've got more if we did this or blah blah blah.\n\nI'm getting no guidance. And then and given that I'm I'm at I'm at the stage that I'm at, I wanna obviously maximize my situation as much as I get. Not illegally. Not illegally. But, you know, I wanna be able to do the right thing so I don't have to pay more than what I really have to.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Okay. Would you be able to arrange that for me in terms of speaking to speaking to parties? No. Only only for well, the only one that's due the only one that needs to be prepared for is the twenty five twenty six.\n\nHang on. 2526. Yeah. Yeah. Because I've got two May next year.\n\nThat's right. Yeah. Yeah. So sorry. No.\n\nNo. No. No. You'll be only sorry. It'd be the current year.\n\nThe 2526 already been done because that had to be done by by the May 31 this year. So that's been done. It's they don't is it be right? No. No.\n\nNo. No. Sorry. Sorry. It's a it's a 2526 that needs to be prepared for last financial year.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nThat's right. Yeah. Yeah. Right. Yes.\n\nYeah. Yep. Okay. So just so you you know, you've been dealing with me for for a year or two now. You have an idea of my personality, etcetera.\n\nIs there one that you say, oh, why then you should speak to this one first? Right. Right. Right. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nOkay. Okay. Because at the end of the day, it doesn't bother me too much where I am as long as the communication lines are open and and we can we we we can do those comms whichever way, either over a technology product platform, voice, or or, you know, teams and that type of thing, that's fine for me as long as I can, one, visually see what they need to show me and likewise, what they need to show me they're happy to do over technology. Alright? But I I just I just want yeah.\n\nCould you do that? Yeah. If you could just give me a lead in on on to whoever as well so they'll rather than it becoming a cold call. Yeah? While I got you, I'm moving on to the second point now.\n\nNow one of the things the strategist the the investment strategist are basically a financial planner. So to let you know, I'm dealing with Empower Wealth. So I'm dealing with Empower Wealth on their property side, the property investment side. And I'm dealing with one of their best investment property investment strategist there by the name of Polly Chu, c h u. You probably could look her up.\n\nNow I get on well with that because she's in a she's a counted by qualification. So we talk numbers and me coming from risk background, it makes it really better for me to talk like that because she talks in detail. And then and I tend to I tend to prefer someone to talk in details rather than just say, oh, this is what I'm going to do, etcetera. I mean, my partner operates like that. She doesn't wanna know the details, but I do.\n\nSo I've I've also I've also been riding her back in a hotel to tell her she needs to talk to you guys about her super. She doesn't have regular meetings with you guys, which she's short on an annual basis. So she spoke to I think she spoke to, Sebi initially to get on because I I put her on I put, her onto Sebi, which I did when I first joined. So I'm trying to get her to contact you guys to at least do an annual review. She's she's five years older than I am.\n\nSo I told her she needs to engage you guys and and and start, you know, being actively involved with the super. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. So I've been riding her back to get in touch with you guys to at least do that. That's the thing. Okay.\n\nThe other thing I've I've got to I'm sorry. I went sidetracked when I spoke to Polly. Polly asked me to check. I've currently run I currently, as you know, with my work super with ANZ through my organization, I've got an insurance component on that. It's a salary continuance insurance.\n\nOn top of that on top of that, I run a retail one that's been going for twenty odd years. But now it's starting to drop off a bit in terms of my my premium. It's going down. Question is and and that that that that coverage only continues to 65. The question that she's asked me to ask you is, do I keep both or do I offload the the retail one, which is the MLC, which is now a sender?\n\nYeah. Given that I've got the salary continuance on the work super, which I pay $600 a month out of a fortnight out of my own pocket. Okay. Yep. In terms of in terms of benefits?\n\nYep. Yeah. I I've claimed on it once when I had my bypass, but that was 2,005, 2,006, but I've made no further claim. They wouldn't allow me to put t b PPD on it because of the bypass back then. They they didn't have a buyback, but they got buybacks on their policy.\n\nBut the policy I got at the time didn't have buyback on it. Oh, yeah. Yeah. When I made that claim, they paid out on they paid out a 120 k, I think, at the time, and they got wiped out. Oh, that they'll run that will run whilst I'm employed.\n\nAnd then generally, they they generally give you the option. Right? Generally, they'll give you the option if you move on to continue it. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. Yes.\n\nSo I've got two salary continuance going at the moment. Yeah? So the, yeah, so so the Ascender the Ascender one, which was known as MLC, that's a retail salary continuance that I acquired in '2 or I acquired in 1919 or 1999, I think. I acquired that. Yeah.\n\nAnd and I've made one claim on that for TPD of which they paid out. Okay? Now there is salary continuance on that. There is also salary continuance on my a n zed one, which I pay out of my my my salary. Okay.\n\nSo yeah. I also have a life that that the a and zed one has a life component, and it also has the salary continuance component. I'm just trying to see if I can switch over. Just give me a sec. I'll I'll switch screens to my work so I can tell you what I'm paying out of my salary continuance.\n\nWhat I'm paying out of my salary for the salary continuance insurance. Just give me a sec. But it's a group one. I don't have I don't have the policies. It's a group insurance.\n\nOkay. Just give me a sec. Is the weather warm up there? It's just gone from winter straight into summer down here. Yeah.\n\nYeah. I heard you guys had a bit of you guys had power disruptions and everything up there. Yeah. Yeah. Okay.\n\nSo sorry. So so I've got so salary continuance. Right? Actually, my apologies. It's more than 600.\n\nThat was total. So my apologies. The salary continues. I pay $40.75 a fortnight. 4 04075.\n\nAnd then the yep. Okay. Right. Yeah. Oh god.\n\nI think they have Yeah. Let let me let me I I won't be able to afford because they they don't they because it's group insurance. Right? I I don't have a copy of it. Let me let me have a dig because I know I did ask the question many years ago when I joined.\n\nJust give me a second. I'll see if I can find my see if I can I I got anything? My documents. Yeah. Yeah.\n\nI get that. Just give me a sec. Give me a sec. You might be in luck. Okay.\n\nSo I've oh, okay. So I've got the annual super, and they got insurance fee. So it it probably comes under the ANZ Smart Choice Super. And it's Smart Choice Super. It only tells me the insurance fee I paid in total.\n\nWhy would I have paid why would I have paid insurance fee of 2,495? Okay. Yep. They got a preservation component here. The preservation benefit of $32,831.81.\n\nWhat's that? Oh, okay. Okay. Alright. I get that.\n\nOkay. Okay. Have you seen that statement? Because it shows me the break. When did she?\n\nYeah. Yeah. Okay. Okay. So it says how much super will I get?\n\nIt's shocking. Right? I've been with them seven years, and I only get a 132,000 out of that. Yeah. Oh, okay.\n\nOkay. Okay. Alright. Alright. Okay.\n\nOkay. Here we go. Here we go. So I've got a total disability benefit. Right?\n\nRight? A total disability. So in the event of your total and permanent disability, your sum insured is $3,084.12 and 63¢. Alright. Okay.\n\nAnd and yeah. Okay. The sum insured. Alright. To 865 expiry.\n\nThe actually, the insurer, I said that the death benefit insurer is Zurich, Australia. Right? And and it's got a okay. So and then the benefit the benefit of $341,244.44. This this one is from September last year.\n\nSo let me tell you exact date. This one is the thirtieth sorry. June 30 last year. Yeah. Yep.\n\nYeah. Okay. Yep. Okay. Is that enough for you to work off?\n\nYes. It's it's me. They're both virtually exclusive. Yeah. Yeah.\n\nYeah. Yeah. I've got that. Yeah. Yeah.\n\nI've got that. Just give me a sec. Just give me a second. M l c. M l y have I got this?\n\nJust bear with me. I'll log I'll log in to I'll log in to this my sender account and get that directly. Okay. Select option. Download certificate of currency.\n\nOkay. Alright. Email. Let's see. Okay.\n\nLet me send the email to you. Tell me, what's your email address? Yeah. Yeah. Dot Tommy at Oakview.\n\nFinancial? No no s on the end of it? Financial. Oh, okay. Yeah.\n\nFinancial dot com dot a u. Okay. I'll just say send Alright. It's on the way? Yep.\n\nYep. So I'll have so who who does that go to? The email address? Contact at a u financial dot com dot a u. There's I'll just say I know.\n\nCopy. Just give me a sec. I've copied you in on the email. Alright. So I'll let you consume that and then come back to me.\n\nWhat else do we need to go away? I'm just trying to think. I think that that's it. Yeah? Tommy?\n\nYeah. Yeah. Yeah. So just just one other thing. Because of the age, I know you and I talked about this some time ago.\n\nGiven I'm working full time in terms of accessing the super, I don't need to do all that, do I? For whatever benefits. Yeah. Right. Okay.\n\nOkay. How what what's the benefit of doing that? Yeah. Right. Okay.\n\nAlright. Yeah. Yeah. Okay. Quick question for you so you can think.\n\nI've got I've got about a 150 k sitting in my offset account, right, for my Croeseness property at the moment. I I don't fully understand it, but I'm hoping you can share with me knowledge wise. Because I don't have a lot of time in terms of investing, I'm thinking I've been talking to people and they say, oh, why don't you go into e ETFs? Now from that perspective, what do I need how do I utilize that to do to my advantage or get hopefully get a return out of that, Tommy? Buying ETFs.\n\nHow how does it work? Yeah. Yep. Yep. Yep.\n\nYeah. Okay. How the how do how does the selection work or you don't? Do you just buy you just buy, like, what you said? Just go on and how do I work out which ones that I should buy?\n\nOh, okay. Sorry. Yep. Yep. Yep.\n\nYep. Yep. Yep. Right. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nI I I get that. I get that. I get that. Yes. Okay.\n\nOkay. Yep. Right. Right. Yep.\n\nYep. Okay. Okay. So cash is probably the best way to do it at the moment on the safer side. Yeah?\n\nRight. Okay. Understood. Okay. Alright.\n\nYeah. I know the market's very sort of unknown at the moment. It's all over the shop. And, you know, I I don't think we've we've faced the world economy or the world the global side of things the way we are seeing the world at the moment. And and you've got you've got a rep you've got an erratic leader sitting, you know, in in The US and what's happening with Ukraine and everything else in The Middle East.\n\nIt's just all over the shop, and we haven't seen that, you know, we haven't seen that sustained environment for I don't think we've ever had. Right? You've always had one or the other, but it just seemed just all thrown in at the one time at the moment. Yep. Yeah.\n\nYeah. Okay. I think you sort of kinda answered my question. It's given given the time frame I've got, the risk is just not worth it other than dropping it in, like, cash or something and knowing I'm gonna get my 6%. Just give me a sec.\n\n5.89, I think it is. 5.89. But I'll just tell you exactly. Just give me a second. Let me I I I know I did that through Bendigo Bendigo Bank.\n\nAnd they and they've got bloody Apple all over them at the moment. We and and and I'm not gonna lie, but it's public knowledge about my organization. Aper has also issued a letter on us on our engine for incorrect incorrect reporting. Yeah. And can I just let me have a look?\n\nI've got two loans. Okay. Where's this one? No. That's not the one.\n\nThat's not the one. Offset. Let's see. Offset. The mortgage is okay.\n\nThe b one, the 259. Interest. Where am I going? Why am I not seeing account account account. How do I upcoming details?\n\nOkay. So there's two loans, one loan. This is the one the main loan. This has got a balance of $258,616.97. The interest rate on that is variable, and it's 5.89.\n\nAnd that's for thirty years. I've got three hundred and fifty five months remaining. There is a second yeah. Yeah. You've got all the details.\n\nRight? And then there's a second loan. There there's a second loan that has a balance of a $105,172.68, and that has an interest rate of that that was for a full amount of $222,222 exact, and I still have a 100 I still have a 100 odd thousand credit. The intent of using that was to buy a second property, the deposit for that? Okay.\n\nAnd the rate on this one is 6.28. That's I think that's I think that's interest only. It's variable, but I think it's interest only. Doesn't how do I work? Yeah.\n\nYeah. It's variable. Interest on I think it's interest only on that one. K. Yeah.\n\nYep. Yep. Same same amount of months. It was all done around the same time. Too attractive to pass up to 6%.\n\nOkay. Alright. Because once I get once I get rid of the once I get rid of that the Crow's Nest property, alright, I think that the $2.01 the 200 odd thousand will go. Right? And just depends on what my broker says about the remaining the 200 and triple 2, the triple 2 triple 2 additional loan, which which has well, which has a 105,000 debit on it or whatever it is.\n\nYeah. And the remaining the remaining is in credit. So I don't know what's the best way to do that. He might tell me to off to get rid of it all. I don't know.\n\nSo what do you mean? Tell me what do you mean? Tell me what do you mean? K. Alright.\n\nIt's unlikely. It's unlikely because for me to move into my PPR. So I'm looking at maybe at best getting $7.30, seven forty. That will clear that will clear my debt, but then I still have to borrow money to buy the PPR. Alright?\n\nSo at the moment, the the suggested number I should be looking at is about $8.50, but unless I buy a one bedroom yeah. $8.50 to $9.50. That's what I'm looking at. So that that that will probably bring me up to be at the $506,100,000 dollar mark. Right?\n\nThat was said. She she was yeah. She was calculating it working on 7% borrowing. Okay. Okay.\n\nYep. Okay. Alright. So so suggestion, let me run this by myself for the moment. Focus on getting rid of that Croeseness property as as mentioned.\n\nRight? I'll get rid of that. And then whatever I get out of that, clear the clear the obviously, the loan has to be cleared. And then the intent is to buy the PPR roundabout the same time as well. I'm not leaving it too long.\n\nShe said she'd like me to get into a PPR within the six six months if I can. Okay. Alright. It's a plan plan of way forward. It's yeah.\n\nThe the thing, Tommy, was the emotional part of me wanted to hang on to those properties because I wanted to build up a portfolio of properties. Now because I couldn't do the numbers, I'm not an accountant, I thought it was possible. But then she walked me through the numbers and it wasn't it was just basically having the noose around my neck and given the time frame. If I had ten years, that's a different story, but I don't have ten years. And that's the reality of it because she said, look.\n\nYou don't wanna be in that position because use the opportunity you got for this next three years to borrow because once you go into retirement, she was working, then I'll be working part time in three years. I mean, obviously, I wanna keep working, but I don't know what the circumstances will be, and I just gotta work on the worst case scenario. Now if I'm still working in three years, that's a different story. Yeah? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Okay.\n\nSounds good. Alright. We got a plan then. Yep. Well well, I'll be guided by you because basically the the the strategist said, look, you've got she was speaking more from a logical perspective.\n\nI think it was just saying you've got two salary continuance. Is it one you could offload? Right? So so, I mean, the logic says why have two? You you only need one.\n\nRight? But she wanted the professional opinion to be cast over it, which is yourself. Yeah. Yeah. Yeah.\n\nYep. Yep. Okay. Sounds good. Yep.\n\nSounds good. Then I'll just wait till you let me know. Okay. Yep. And also while I got it, I just it just came back to my head since you said to me you were gonna talk to me about the structure fees last time.\n\nYou said because I had reached, what, 600,000 or something, the fees the fee structure changes or something? Which means what? Which means what? Which means what? Yeah.\n\nYeah. We Yep. Yep. Okay. Yep.\n\nYeah. Okay. Okay. Sounds good. That can go into my earnings.\n\nCan help me earn more money. Alright. Yep. Okay. Alright, Tommy.\n\nThanks for your time. Anything else before we close off? Anything else we need to no. Okay. Same.\n\nYeah. Thanks so much, man. Appreciate your time. You too, man. Cheers.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":1.92,"end":2.24,"sentiment":"neutral","sentiment_score":0.07761208713054657},{"text":"Tell me.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.057534072548151016},{"text":"I'm good.","start":6.24,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5345814675092697},{"text":"Thanks, mate.","start":6.7999997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6913159787654877},{"text":"How are you?","start":7.2799997,"end":8.18,"sentiment":"positive","sentiment_score":0.41337111592292786}],"sentiment":"positive","sentiment_score":0.3884588472545147,"num_words":10,"start":1.92,"end":8.18},{"sentences":[{"text":"Oh, good.","start":15.585,"end":18.485,"sentiment":"positive","sentiment_score":0.3517497777938843},{"text":"Likewise.","start":18.945,"end":19.445,"sentiment":"neutral","sentiment_score":0.25072014331817627},{"text":"Likewise.","start":19.665,"end":20.165,"sentiment":"neutral","sentiment_score":0.2114880532026291},{"text":"Yeah.","start":20.865,"end":21.345,"sentiment":"neutral","sentiment_score":0.2327386438846588},{"text":"It it's just good to catch up and move things along from where we were last time.","start":21.345,"end":26.785,"sentiment":"positive","sentiment_score":0.4136599600315094}],"sentiment":"positive","sentiment_score":0.38321207802404056,"num_words":22,"start":15.585,"end":26.785},{"sentences":[{"text":"Couple of weeks ago, a month or two.","start":26.785,"end":29.58,"sentiment":"neutral","sentiment_score":0.018479279475286603},{"text":"Oh, on that note, how's the little one?","start":35.739998,"end":38.16,"sentiment":"neutral","sentiment_score":0.10050471685826778},{"text":"Right.","start":42.94,"end":43.44,"sentiment":"neutral","sentiment_score":0.1644151657819748},{"text":"Okay.","start":45.395,"end":45.895,"sentiment":"neutral","sentiment_score":0.13320448994636536},{"text":"Okay.","start":46.195,"end":46.695,"sentiment":"neutral","sentiment_score":0.13041937351226807}],"sentiment":"neutral","sentiment_score":0.07262689473205491,"num_words":19,"start":26.785,"end":46.695},{"sentences":[{"text":"So she's in a routine now?","start":48.355,"end":50.135,"sentiment":"neutral","sentiment_score":0.09433875729640324},{"text":"Right.","start":63.13,"end":63.63,"sentiment":"neutral","sentiment_score":0.1418696939945221},{"text":"Okay.","start":63.690002,"end":64.19,"sentiment":"neutral","sentiment_score":0.14352092146873474},{"text":"Okay.","start":64.41,"end":64.91,"sentiment":"neutral","sentiment_score":0.15466457605361938},{"text":"Well, that's the main thing is as as long as the little the little ones are good and good health and mom's good health and the family's sort of moving along.","start":65.450005,"end":74.03,"sentiment":"neutral","sentiment_score":0.2531393961079659}],"sentiment":"neutral","sentiment_score":0.22133522536605596,"num_words":40,"start":48.355,"end":74.03},{"sentences":[{"text":"Yep.","start":81.815,"end":82.315,"sentiment":"neutral","sentiment_score":0.04656694456934929},{"text":"Yeah.","start":84.615005,"end":85.015,"sentiment":"neutral","sentiment_score":0.10352592170238496},{"text":"All good.","start":85.015,"end":85.575005,"sentiment":"neutral","sentiment_score":0.17958857864141464},{"text":"All good.","start":85.575005,"end":86.055,"sentiment":"neutral","sentiment_score":0.15731918066740036},{"text":"I'm just gonna see.","start":86.055,"end":87.275,"sentiment":"neutral","sentiment_score":0.04683966189622879}],"sentiment":"neutral","sentiment_score":0.10112670324742794,"num_words":10,"start":81.815,"end":87.275},{"sentences":[{"text":"Three zero zero four six three.","start":91.810005,"end":95.11,"sentiment":"neutral","sentiment_score":0.0074818977154791355},{"text":"It's just 20811 Victoria Street, New South Wales, Roseville 2069.","start":97.25,"end":106.045006,"sentiment":"neutral","sentiment_score":0.021324943099170924},{"text":"Just that documents come through now.","start":106.26501,"end":108.44501,"sentiment":"neutral","sentiment_score":0.03269199623415867},{"text":"Yeah.","start":117.4,"end":117.72,"sentiment":"neutral","sentiment_score":0.013443682342767715},{"text":"October.","start":117.72,"end":118.22,"sentiment":"neutral","sentiment_score":0.012850597500801086}],"sentiment":"neutral","sentiment_score":0.02002446143887937,"num_words":24,"start":91.810005,"end":118.22},{"sentences":[{"text":"I think October, November.","start":118.28,"end":119.659996,"sentiment":"neutral","sentiment_score":0.024137878324836493},{"text":"Yeah.","start":122.52,"end":122.759995,"sentiment":"neutral","sentiment_score":0.06820060312747955},{"text":"So hopefully things will change.","start":122.759995,"end":124.78,"sentiment":"neutral","sentiment_score":0.045755977556109426},{"text":"The signature.","start":126.68,"end":127.5,"sentiment":"neutral","sentiment_score":0.01943271327763796},{"text":"Sign 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Tommy.","start":278.595,"end":281.495,"sentiment":"neutral","sentiment_score":-0.011949329947431883},{"text":"Quick question.","start":281.715,"end":282.45502,"sentiment":"neutral","sentiment_score":-0.021613809280097485}],"sentiment":"neutral","sentiment_score":0.0058305055967399055,"num_words":14,"start":265.53,"end":282.45502},{"sentences":[{"text":"Given and and and and this is more from my my space the way I speak because I'm I'm in the risk management space.","start":282.595,"end":291.99,"sentiment":"neutral","sentiment_score":-0.04477361519820988},{"text":"Given the way the market is at the moment, we're quite unstable, everything, and given that I've actively got only, what, three, three and a half years left for official retirement, not that I want to, but I'm gonna be placed in that worst case scenario if it happens.","start":293.19,"end":307.77,"sentiment":"neutral","sentiment_score":-0.2477231776835967},{"text":"With the exposure of 50%, is that too 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happening.","start":375.025,"end":380.62,"sentiment":"neutral","sentiment_score":-0.07815784128273234},{"text":"I'm just trying to ascertain, am I being is my exposure too much?","start":381.0,"end":385.64,"sentiment":"neutral","sentiment_score":-0.16896813993270582},{"text":"Is my exposure just right?","start":385.64,"end":387.5,"sentiment":"neutral","sentiment_score":-0.20416349768638611},{"text":"Does it mean that if something happens, is the time frame I've got left for working is sufficient?","start":388.2,"end":395.895,"sentiment":"neutral","sentiment_score":-0.26949426780144375}],"sentiment":"neutral","sentiment_score":-0.14590906442665472,"num_words":82,"start":364.785,"end":395.895},{"sentences":[{"text":"Because that's that's my fear right now.","start":395.895,"end":398.79498,"sentiment":"negative","sentiment_score":-0.4574203278337206},{"text":"You get it, Tom?","start":399.09497,"end":400.13498,"sentiment":"neutral","sentiment_score":-0.02421311428770423},{"text":"Tell 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peak?","start":419.67,"end":420.81,"sentiment":"neutral","sentiment_score":-0.00914429989643395},{"text":"Yep.","start":428.335,"end":428.735,"sentiment":"neutral","sentiment_score":0.014754783362150192},{"text":"Yep.","start":428.735,"end":429.215,"sentiment":"neutral","sentiment_score":0.01367876213043928}],"sentiment":"neutral","sentiment_score":0.0003205690194259989,"num_words":11,"start":417.11002,"end":429.215},{"sentences":[{"text":"Yep.","start":429.215,"end":429.715,"sentiment":"neutral","sentiment_score":0.026193728670477867},{"text":"Yep.","start":430.655,"end":431.155,"sentiment":"neutral","sentiment_score":0.07328864187002182},{"text":"Right.","start":437.28998,"end":437.78998,"sentiment":"neutral","sentiment_score":0.26972681283950806},{"text":"What's the likelihood of 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year.","start":518.71,"end":522.49,"sentiment":"negative","sentiment_score":-0.47050604621569314},{"text":"So I think last yeah.","start":527.91003,"end":529.11,"sentiment":"neutral","sentiment_score":-0.10276525914669037}],"sentiment":"neutral","sentiment_score":-0.17334183507288495,"num_words":42,"start":506.495,"end":529.11},{"sentences":[{"text":"Last year, we got nine plus percent, didn't we?","start":529.11,"end":531.77,"sentiment":"neutral","sentiment_score":-0.06665280254350768},{"text":"Nine 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35.","start":605.96,"end":606.92004,"sentiment":"neutral","sentiment_score":0.016782207880169153},{"text":"Yeah?","start":606.92004,"end":607.42004,"sentiment":"neutral","sentiment_score":0.033964890986680984},{"text":"Yeah.","start":608.84,"end":609.08,"sentiment":"neutral","sentiment_score":0.06239579617977142},{"text":"Okay.","start":609.08,"end":609.58,"sentiment":"neutral","sentiment_score":0.06790724396705627}],"sentiment":"neutral","sentiment_score":0.03342651827260852,"num_words":10,"start":604.12,"end":609.58},{"sentences":[{"text":"Yeah.","start":615.905,"end":616.225,"sentiment":"neutral","sentiment_score":0.05611943453550339},{"text":"Okay.","start":616.225,"end":616.705,"sentiment":"neutral","sentiment_score":0.055567070841789246},{"text":"Alright.","start":616.705,"end":617.185,"sentiment":"neutral","sentiment_score":0.0790121853351593},{"text":"Okay.","start":617.185,"end":617.685,"sentiment":"neutral","sentiment_score":0.06667307019233704},{"text":"Alright.","start":619.025,"end":619.525,"sentiment":"neutral","sentiment_score":0.0634627416729927}],"sentiment":"neutral","sentiment_score":0.06416690051555633,"num_words":5,"start":615.905,"end":619.525},{"sentences":[{"text":"Okay.","start":621.105,"end":621.605,"sentiment":"neutral","sentiment_score":0.04449982941150665},{"text":"Okay.","start":623.665,"end":624.165,"sentiment":"neutral","sentiment_score":0.040073003619909286},{"text":"Yeah.","start":631.73004,"end":632.23004,"sentiment":"neutral","sentiment_score":0.05583451688289642},{"text":"Yeah.","start":638.05005,"end":638.21,"sentiment":"neutral","sentiment_score":0.03465152531862259},{"text":"Alright.","start":638.21,"end":638.71,"sentiment":"neutral","sentiment_score":0.048349760472774506}],"sentiment":"neutral","sentiment_score":0.044681727141141894,"num_words":5,"start":621.105,"end":638.71},{"sentences":[{"text":"Well, 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yeah.","start":678.15497,"end":678.71497,"sentiment":"neutral","sentiment_score":0.0269723329693079},{"text":"I think it will be for for a couple of months anyway.","start":678.71497,"end":681.21497,"sentiment":"neutral","sentiment_score":0.009588952952375015},{"text":"Because the RBA is already talking a 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good.","start":699.25,"end":700.37006,"sentiment":"positive","sentiment_score":0.514000783363978},{"text":"Sounds logical.","start":700.37006,"end":701.19,"sentiment":"positive","sentiment_score":0.42802102863788605},{"text":"Alright.","start":702.51495,"end":703.01495,"sentiment":"neutral","sentiment_score":0.3147699534893036},{"text":"Okay.","start":703.71497,"end":704.21497,"sentiment":"positive","sentiment_score":0.3439217805862427},{"text":"Thanks for doing all that.","start":705.07495,"end":706.355,"sentiment":"positive","sentiment_score":0.5982703328132629}],"sentiment":"positive","sentiment_score":0.5040073171257973,"num_words":12,"start":699.25,"end":706.355},{"sentences":[{"text":"Appreciate it.","start":706.355,"end":707.255,"sentiment":"positive","sentiment_score":0.6554308533668518},{"text":"Yep.","start":711.15497,"end":711.65497,"sentiment":"neutral","sentiment_score":0.06788716465234756},{"text":"Yeah.","start":718.91003,"end":719.23,"sentiment":"neutral","sentiment_score":0.048453040421009064},{"text":"Okay.","start":719.23,"end":719.73,"sentiment":"neutral","sentiment_score":0.06441943347454071},{"text":"So I've been speaking to a if you wanna call it properties property investment strategist.","start":720.27,"end":726.45,"sentiment":"neutral","sentiment_score":0.06092942108710607}],"sentiment":"neutral","sentiment_score":0.1202781330794096,"num_words":20,"start":706.355,"end":726.45},{"sentences":[{"text":"And I'm waiting we we had one meeting, so I'm waiting for the final.","start":727.47003,"end":733.465,"sentiment":"neutral","sentiment_score":0.035752804417695315},{"text":"But the initial step at the moment is she's she wants me to offload my Crow's Nest property and get a print a principal place of residence.","start":733.465,"end":744.04504,"sentiment":"neutral","sentiment_score":0.03992923638886876},{"text":"Okay?","start":745.89996,"end":746.39996,"sentiment":"neutral","sentiment_score":0.20398664474487305},{"text":"Okay.","start":746.94,"end":747.25995,"sentiment":"neutral","sentiment_score":0.1085921972990036},{"text":"So I've engaged my my current property manager who's managing my property, and he's he's a friend.","start":747.25995,"end":754.77997,"sentiment":"neutral","sentiment_score":0.12072180474505705}],"sentiment":"neutral","sentiment_score":0.0657246361176173,"num_words":60,"start":727.47003,"end":754.77997},{"sentences":[{"text":"So I'm just waiting for him now to come back with his proposal.","start":754.77997,"end":758.16,"sentiment":"neutral","sentiment_score":0.10820538092118043},{"text":"One one, I'll save a bit on on the fees because of being a friend.","start":759.155,"end":764.195,"sentiment":"neutral","sentiment_score":0.22103822628657024},{"text":"He said he'll look after me.","start":764.195,"end":765.73505,"sentiment":"neutral","sentiment_score":0.1203917699555556},{"text":"And second thing is I've asked him to help me for a look out.","start":766.35504,"end":770.11505,"sentiment":"neutral","sentiment_score":0.06072886873568807},{"text":"So I'm looking I'm looking at a at the moment based on the numbers that that property that property strategy and I went through.","start":770.11505,"end":778.98,"sentiment":"neutral","sentiment_score":0.034454400495936476}],"sentiment":"neutral","sentiment_score":0.09891255194735196,"num_words":72,"start":754.77997,"end":778.98},{"sentences":[{"text":"She said, look.","start":779.2,"end":780.18,"sentiment":"neutral","sentiment_score":0.013668732717633247},{"text":"We should be looking for a property around about eight 08:50.","start":780.24,"end":784.24,"sentiment":"neutral","sentiment_score":0.0020989417521791024},{"text":"And I said, well, this is a Sydney market.","start":784.24,"end":786.18,"sentiment":"neutral","sentiment_score":-0.07590439129206869},{"text":"With me pushing all the way outside of Sydney, it's gonna be a problem.","start":786.305,"end":789.685,"sentiment":"neutral","sentiment_score":-0.296406161572252},{"text":"So I think she said the upper limit's $9.50 at this point in time, but that's on the basis that I can get $7,474,747.50 top end.","start":790.305,"end":804.96,"sentiment":"neutral","sentiment_score":-0.013481470612952342}],"sentiment":"neutral","sentiment_score":-0.08125792797063551,"num_words":63,"start":779.2,"end":804.96},{"sentences":[{"text":"My property manager and my friend just said, look, probably $7.40 is really ideal.","start":806.22003,"end":812.48004,"sentiment":"neutral","sentiment_score":0.21714599430561066},{"text":"We won't be pushing it.","start":812.62,"end":814.005,"sentiment":"neutral","sentiment_score":0.11577726900577545},{"text":"If we get $7.50, it'll be good.","start":814.005,"end":815.945,"sentiment":"neutral","sentiment_score":0.300207610641207},{"text":"But I wanna move because Crows Nest at the moment, it's got a lot of development going on now because of this New South Wales state government's, you know, the TOD and all the zoning for properties being near Wales infrastructure.","start":816.48505,"end":830.8,"sentiment":"neutral","sentiment_score":0.07205224545990549},{"text":"So my property is an older one.","start":831.89996,"end":833.66,"sentiment":"neutral","sentiment_score":0.0527386511010783}],"sentiment":"neutral","sentiment_score":0.12221211028864255,"num_words":74,"start":806.22003,"end":833.66},{"sentences":[{"text":"It's a one bedroom.","start":833.66,"end":834.62,"sentiment":"neutral","sentiment_score":0.03456084942445159},{"text":"So from a market point of view, I probably have a chance to be like you said, it's ideal for the first home buyer rather than an investor.","start":834.62,"end":842.625,"sentiment":"neutral","sentiment_score":0.2432530245610646},{"text":"So we're gonna try and target it that way.","start":843.485,"end":846.305,"sentiment":"positive","sentiment_score":0.3766465054617988},{"text":"So if we look at it, I'm probably being realistic.","start":846.765,"end":850.065,"sentiment":"neutral","sentiment_score":0.16779810339212417},{"text":"I'll be looking, what, 07:30, 07:40 if we can get $7.50 be ideal.","start":850.445,"end":855.34503,"sentiment":"neutral","sentiment_score":0.14128533063026574}],"sentiment":"neutral","sentiment_score":0.21646620260435157,"num_words":64,"start":833.66,"end":855.34503},{"sentences":[{"text":"The the whole the whole purpose of it, what is what the property strategist is trying to do is minimize the residual the residual cost I have.","start":856.76996,"end":865.81,"sentiment":"neutral","sentiment_score":0.0815176755465843},{"text":"In other words, the debt I'll have to carry from the borrowing from from the seller property then borrowing the money to get myself into that property at the moment.","start":865.81,"end":875.505,"sentiment":"neutral","sentiment_score":0.010241514382263025},{"text":"For the time being for the time being, the way she's working is she says, look.","start":875.965,"end":881.185,"sentiment":"neutral","sentiment_score":0.0006468435749411583},{"text":"Let's look initially at holding the Melbourne property.","start":882.39,"end":885.37,"sentiment":"neutral","sentiment_score":0.019629146670922637},{"text":"Okay?","start":887.11005,"end":887.61005,"sentiment":"neutral","sentiment_score":0.02650342881679535}],"sentiment":"neutral","sentiment_score":0.03295254598303539,"num_words":82,"start":856.76996,"end":887.61005},{"sentences":[{"text":"So that that's what we're we're going to do at the moment.","start":888.15,"end":891.29004,"sentiment":"neutral","sentiment_score":0.0006449715128837852},{"text":"Right?","start":891.59,"end":891.91003,"sentiment":"neutral","sentiment_score":0.03296317160129547},{"text":"So we'll we'll just see.","start":891.91003,"end":893.53,"sentiment":"neutral","sentiment_score":0.010483873635530471},{"text":"I still have to have a session with herself to to to do the second part, but I need to give an update.","start":893.75,"end":900.995,"sentiment":"neutral","sentiment_score":-0.0342510277810304},{"text":"That's what I'm planning to do.","start":900.995,"end":902.035,"sentiment":"neutral","sentiment_score":-0.029926037415862083}],"sentiment":"neutral","sentiment_score":-0.018600163096283373,"num_words":47,"start":888.15,"end":902.035},{"sentences":[{"text":"So that's a plan.","start":902.035,"end":903.095,"sentiment":"neutral","sentiment_score":0.0038526240969076757},{"text":"She'd like me to get rid of my property and and into a new one, you know, within the next six months because, one, I've already made the money on my existing property, the unit.","start":903.315,"end":916.87,"sentiment":"neutral","sentiment_score":-0.11124702457870755},{"text":"She said, look.","start":917.33,"end":917.89,"sentiment":"neutral","sentiment_score":-0.026717593893408775},{"text":"It's not worthwhile chasing more because the longer you chase it, the longer you wait, which means the value of the buying side of it also goes up, and I'm paying more rent.","start":917.89,"end":927.255,"sentiment":"neutral","sentiment_score":-0.17978535615133517},{"text":"So that's the plan.","start":927.395,"end":928.85504,"sentiment":"neutral","sentiment_score":0.028750226832926273}],"sentiment":"neutral","sentiment_score":-0.12375068343303437,"num_words":79,"start":902.035,"end":928.85504},{"sentences":[{"text":"That's the plan.","start":929.075,"end":929.97504,"sentiment":"neutral","sentiment_score":0.17191522320111594},{"text":"Yep.","start":938.9,"end":939.4,"sentiment":"neutral","sentiment_score":0.06138139218091965},{"text":"Yep.","start":942.66003,"end":943.16003,"sentiment":"neutral","sentiment_score":0.18051259219646457},{"text":"Yes.","start":950.74,"end":951.24,"sentiment":"neutral","sentiment_score":0.21112826466560364},{"text":"Yeah.","start":959.65497,"end":959.975,"sentiment":"neutral","sentiment_score":-0.047572534531354904}],"sentiment":"neutral","sentiment_score":0.13159934058785439,"num_words":7,"start":929.075,"end":959.975},{"sentences":[{"text":"It was kinda like because I just had my mind fixated on on having as many properties as I could because I just needed to I just wanted this situation being able to fund my retirement from a passive perspective.","start":959.975,"end":974.18,"sentiment":"neutral","sentiment_score":-0.0012929009273648262},{"text":"And I think I think given what's what she should be in numbers, the reality is I think it's highly unlikely at the moment.","start":975.2,"end":984.15497,"sentiment":"neutral","sentiment_score":-0.14245855994522572},{"text":"So so at best, I probably, if I can, is have one property at the moment with my own PPR.","start":985.015,"end":993.035,"sentiment":"neutral","sentiment_score":-0.05331134758889675},{"text":"So she said, look, if you can get into your PPR now, you use one, you save on the rent you're paying, which is about 3,200.","start":993.175,"end":1000.29,"sentiment":"neutral","sentiment_score":0.055633858419381656},{"text":"It's gonna go up again.","start":1000.29,"end":1001.41,"sentiment":"neutral","sentiment_score":0.051273930817842484}],"sentiment":"neutral","sentiment_score":-0.024644334387520086,"num_words":115,"start":959.975,"end":1001.41},{"sentences":[{"text":"It's gonna go up because of the rental market.","start":1001.41,"end":1003.97,"sentiment":"neutral","sentiment_score":0.02738525014784601},{"text":"So I'm really fortunate that I'm only paying 800 at the moment, but my property manager who who looked after me, he got me into this property.","start":1003.97,"end":1013.385,"sentiment":"neutral","sentiment_score":0.1943679940369394},{"text":"He's no longer the property manager.","start":1013.385,"end":1015.32495,"sentiment":"neutral","sentiment_score":-0.1666169228653113},{"text":"He just said to me, look.","start":1015.545,"end":1016.665,"sentiment":"neutral","sentiment_score":-0.03942674274245898},{"text":"Just just be ready for an increase in the rent.","start":1016.665,"end":1019.305,"sentiment":"neutral","sentiment_score":-0.0214903324842453}],"sentiment":"neutral","sentiment_score":0.069710996066188,"num_words":58,"start":1001.41,"end":1019.305},{"sentences":[{"text":"You've had a good run.","start":1019.305,"end":1020.605,"sentiment":"neutral","sentiment_score":0.16155217438936234},{"text":"So I'm hoping it doesn't happen, but the chances are are very low that the rental the rent will stay the same.","start":1021.385,"end":1029.77,"sentiment":"neutral","sentiment_score":-0.11386211803288791},{"text":"It'll definitely go up.","start":1029.77,"end":1031.31,"sentiment":"neutral","sentiment_score":0.008502155542373657},{"text":"So when I'm paying what I'm paying $808,100 dollars at the moment.","start":1033.29,"end":1038.045,"sentiment":"neutral","sentiment_score":-0.043332135382418834},{"text":"Worst case scenario, I probably might be paying $8.50, $8.60, which is another 200 another 200 a month.","start":1040.025,"end":1047.785,"sentiment":"neutral","sentiment_score":-0.1343801389965746}],"sentiment":"neutral","sentiment_score":-0.07544303654319011,"num_words":61,"start":1019.305,"end":1047.785},{"sentences":[{"text":"But at the moment, my plan is is not get that, but I just have to bank that they'll be the case.","start":1047.785,"end":1054.35,"sentiment":"neutral","sentiment_score":-0.1699516031552445},{"text":"So if I can get my own property, at least I can put that money towards the PPR.","start":1054.35,"end":1058.69,"sentiment":"neutral","sentiment_score":-0.04465168362690343},{"text":"Yeah.","start":1065.615,"end":1066.115,"sentiment":"neutral","sentiment_score":0.05935784801840782},{"text":"Yeah.","start":1066.1749,"end":1066.6549,"sentiment":"neutral","sentiment_score":0.076383076608181},{"text":"Yeah.","start":1066.6549,"end":1067.1349,"sentiment":"neutral","sentiment_score":0.06009940057992935}],"sentiment":"neutral","sentiment_score":-0.10108895929053772,"num_words":43,"start":1047.785,"end":1067.1349},{"sentences":[{"text":"Yeah.","start":1067.1349,"end":1067.6349,"sentiment":"neutral","sentiment_score":0.10323099046945572},{"text":"Yeah.","start":1070.4149,"end":1070.9149,"sentiment":"neutral","sentiment_score":0.22556141018867493},{"text":"Yeah.","start":1071.5349,"end":1072.0349,"sentiment":"positive","sentiment_score":0.3468609154224396},{"text":"So now that's one big positive is that, you know, I'm grateful that, you know, I hope you've been able to help me manage and grow that super fund over the last three years for me, and I'm happy about that.","start":1072.255,"end":1084.81,"sentiment":"positive","sentiment_score":0.7057626899786111},{"text":"I don't wanna really touch my super as in leaning on it right now.","start":1084.8701,"end":1089.3701,"sentiment":"neutral","sentiment_score":-0.32505471472229275}],"sentiment":"positive","sentiment_score":0.43208892412226774,"num_words":58,"start":1067.1349,"end":1089.3701},{"sentences":[{"text":"I just wanted to grow as much as I can.","start":1089.51,"end":1091.77,"sentiment":"neutral","sentiment_score":0.1162683293223381},{"text":"So that's something that I've got.","start":1092.405,"end":1094.0851,"sentiment":"neutral","sentiment_score":0.22265492379665375},{"text":"But then again, you know, I'm open to any other opportunities.","start":1094.0851,"end":1097.785,"sentiment":"neutral","sentiment_score":0.25304086980494583},{"text":"I know that the SMSF component of using Super to buy property now, the door has been shut on that by the government.","start":1097.8451,"end":1104.5851,"sentiment":"neutral","sentiment_score":-0.1241723648879839},{"text":"So I I don't know what you would recommend going forward on that side.","start":1105.53,"end":1111.05,"sentiment":"neutral","sentiment_score":-0.2180910866175379}],"sentiment":"neutral","sentiment_score":-0.009799643768928945,"num_words":64,"start":1089.51,"end":1111.05},{"sentences":[{"text":"So, I mean, I'm open to to various thought patterns that you may have around the strategy on on using my super.","start":1111.05,"end":1119.7101,"sentiment":"neutral","sentiment_score":0.2799899483268911},{"text":"I I don't know what you would suggest, Tommy.","start":1120.4751,"end":1122.895,"sentiment":"neutral","sentiment_score":-0.033438934220208064},{"text":"Or do we keep going the path we're going or do we look at opportunities to grow that super even further?","start":1124.395,"end":1130.8151,"sentiment":"neutral","sentiment_score":0.02123422512695903},{"text":"Right.","start":1143.1001,"end":1143.6001,"sentiment":"neutral","sentiment_score":0.1224060207605362},{"text":"Okay.","start":1157.9651,"end":1158.4651,"sentiment":"neutral","sentiment_score":0.3300631046295166}],"sentiment":"neutral","sentiment_score":0.12513363533825786,"num_words":54,"start":1111.05,"end":1158.4651},{"sentences":[{"text":"Yeah.","start":1166.85,"end":1167.35,"sentiment":"positive","sentiment_score":0.36081331968307495},{"text":"Yeah.","start":1178.69,"end":1179.19,"sentiment":"neutral","sentiment_score":0.057706937193870544},{"text":"Okay.","start":1185.385,"end":1185.7849,"sentiment":"neutral","sentiment_score":-0.03181430324912071},{"text":"Yep.","start":1185.7849,"end":1186.2849,"sentiment":"neutral","sentiment_score":-0.0012912515085190537},{"text":"Yep.","start":1188.4149,"end":1188.6649,"sentiment":"neutral","sentiment_score":0.029701432213187218}],"sentiment":"neutral","sentiment_score":0.08302322686649859,"num_words":5,"start":1166.85,"end":1188.6649},{"sentences":[{"text":"Yep.","start":1188.6649,"end":1189.1649,"sentiment":"neutral","sentiment_score":-0.01140908431261778},{"text":"Yep.","start":1190.825,"end":1191.325,"sentiment":"neutral","sentiment_score":-0.006852320395410061},{"text":"Yes.","start":1201.04,"end":1201.54,"sentiment":"neutral","sentiment_score":-0.02779616229236126},{"text":"Jeez.","start":1216.715,"end":1217.215,"sentiment":"neutral","sentiment_score":0.03586186096072197},{"text":"Okay.","start":1217.435,"end":1217.935,"sentiment":"neutral","sentiment_score":0.07258684933185577}],"sentiment":"neutral","sentiment_score":0.012478228658437729,"num_words":5,"start":1188.6649,"end":1217.935},{"sentences":[{"text":"Okay.","start":1218.075,"end":1218.575,"sentiment":"neutral","sentiment_score":0.11478731036186218},{"text":"Right.","start":1234.5,"end":1234.82,"sentiment":"neutral","sentiment_score":-0.09534305334091188},{"text":"Okay.","start":1234.82,"end":1235.32,"sentiment":"neutral","sentiment_score":-0.030352698639035225},{"text":"Okay.","start":1236.26,"end":1236.76,"sentiment":"neutral","sentiment_score":0.0778498575091362},{"text":"So just on what we've just discussed then, tell me what what are your thoughts in terms of what we're at this point and what do we do?","start":1236.98,"end":1245.965,"sentiment":"neutral","sentiment_score":0.07915291176842791}],"sentiment":"neutral","sentiment_score":0.07135071704396978,"num_words":32,"start":1218.075,"end":1245.965},{"sentences":[{"text":"We keep going the way we're going with your with your active management on my super and me just getting into a PPR for the time being.","start":1245.965,"end":1253.8049,"sentiment":"neutral","sentiment_score":0.07541688731699078},{"text":"Is is that what you would concur with, or where have you got other thoughts you would like to share?","start":1253.8049,"end":1259.13,"sentiment":"neutral","sentiment_score":0.11256937049329281},{"text":"Okay.","start":1259.1901,"end":1259.6901,"sentiment":"neutral","sentiment_score":-0.010104019194841383},{"text":"Right.","start":1264.9501,"end":1265.4501,"sentiment":"neutral","sentiment_score":0.01859794557094574},{"text":"Yeah.","start":1269.495,"end":1269.995,"sentiment":"neutral","sentiment_score":0.1170557141304016}],"sentiment":"neutral","sentiment_score":0.08826386015862227,"num_words":50,"start":1245.965,"end":1269.995},{"sentences":[{"text":"Yeah.","start":1276.375,"end":1276.875,"sentiment":"neutral","sentiment_score":0.07416895776987076},{"text":"Okay.","start":1276.935,"end":1277.435,"sentiment":"neutral","sentiment_score":0.07564648240804672},{"text":"Okay.","start":1277.655,"end":1278.155,"sentiment":"neutral","sentiment_score":0.07048127055168152},{"text":"From from a taxation perspective, is there anything you could think of?","start":1278.855,"end":1283.095,"sentiment":"neutral","sentiment_score":0.0652348439519604},{"text":"Because I've one of the other thing is, Tommy, I how would I put it?","start":1283.095,"end":1291.72,"sentiment":"neutral","sentiment_score":-0.005687273666262626}],"sentiment":"neutral","sentiment_score":0.030593524438639483,"num_words":30,"start":1276.375,"end":1291.72},{"sentences":[{"text":"My current tax accountant does my job.","start":1292.1,"end":1294.82,"sentiment":"neutral","sentiment_score":-0.0407121367752552},{"text":"She's in Brisbane.","start":1294.82,"end":1295.7,"sentiment":"neutral","sentiment_score":0.029021207243204117},{"text":"She's up at Sanford, but I don't think she's doing a lot for me.","start":1295.7,"end":1300.035,"sentiment":"neutral","sentiment_score":-0.03676810847329242},{"text":"She prepares my tax and that's about it.","start":1300.735,"end":1303.235,"sentiment":"neutral","sentiment_score":-0.006818387540988624},{"text":"Right?","start":1303.615,"end":1304.115,"sentiment":"neutral","sentiment_score":-0.01027478650212288}],"sentiment":"neutral","sentiment_score":-0.02356050730767575,"num_words":33,"start":1292.1,"end":1304.115},{"sentences":[{"text":"And and and I don't know.","start":1304.895,"end":1306.655,"sentiment":"neutral","sentiment_score":-0.09803673190375169},{"text":"She's not giving me much guidance and things like that.","start":1306.655,"end":1309.615,"sentiment":"negative","sentiment_score":-0.356238654255867},{"text":"So I really wanna find someone who, you know, a a tax account and a tax account that can help me a bit in terms of trying to maximize what I can do in the next three years given the situation I'm facing.","start":1309.615,"end":1321.84,"sentiment":"neutral","sentiment_score":0.14349583675001942},{"text":"Yep.","start":1330.755,"end":1331.255,"sentiment":"neutral","sentiment_score":0.2033783495426178},{"text":"So Yeah.","start":1331.3151,"end":1337.6,"sentiment":"neutral","sentiment_score":0.1702273264527321}],"sentiment":"neutral","sentiment_score":0.04134753304383447,"num_words":62,"start":1304.895,"end":1337.6},{"sentences":[{"text":"So this property that I've got, the Croes Nest one, there's no CGT on it because it's still inside that six year mark.","start":1337.6,"end":1344.58,"sentiment":"neutral","sentiment_score":0.007582014507573584},{"text":"Right?","start":1346.1599,"end":1346.5599,"sentiment":"neutral","sentiment_score":-0.003286994993686676},{"text":"So if I offload that this year, I've still got it went it I started renting that out in 2024.","start":1346.5599,"end":1354.4149,"sentiment":"neutral","sentiment_score":-0.0550405278801918},{"text":"So literally, I'm only two years into that six year period.","start":1354.6349,"end":1358.1749,"sentiment":"neutral","sentiment_score":-0.08202452788298781},{"text":"So from a CGT perspective, I've got nothing on it.","start":1358.235,"end":1361.455,"sentiment":"neutral","sentiment_score":-0.21996527388691903}],"sentiment":"neutral","sentiment_score":-0.0620251348385444,"num_words":65,"start":1337.6,"end":1361.455},{"sentences":[{"text":"I I won't be paying any CGT on it from a six from a six g perspective.","start":1361.6749,"end":1366.3401,"sentiment":"neutral","sentiment_score":-0.09885357517529936},{"text":"However, I I just need I I just don't know.","start":1366.8,"end":1370.0801,"sentiment":"neutral","sentiment_score":-0.08682250194251537},{"text":"I mean, do you guys offer an accounting practice that can help me?","start":1370.0801,"end":1374.5801,"sentiment":"neutral","sentiment_score":0.05085996567056729},{"text":"Yeah.","start":1380.255,"end":1380.755,"sentiment":"neutral","sentiment_score":0.1700153797864914},{"text":"Right.","start":1391.16,"end":1391.66,"sentiment":"neutral","sentiment_score":0.046737927943468094}],"sentiment":"neutral","sentiment_score":-0.03978102228471211,"num_words":42,"start":1361.6749,"end":1391.66},{"sentences":[{"text":"Right.","start":1393.0,"end":1393.5,"sentiment":"neutral","sentiment_score":0.03627610951662064},{"text":"Yep.","start":1403.48,"end":1403.8,"sentiment":"neutral","sentiment_score":0.1090804636478424},{"text":"Yep.","start":1403.8,"end":1404.04,"sentiment":"neutral","sentiment_score":0.11444687098264694},{"text":"Yep.","start":1404.04,"end":1404.28,"sentiment":"neutral","sentiment_score":0.1406858116388321},{"text":"Yep.","start":1404.28,"end":1404.78,"sentiment":"neutral","sentiment_score":0.17147278785705566}],"sentiment":"neutral","sentiment_score":0.11439240872859954,"num_words":5,"start":1393.0,"end":1404.78},{"sentences":[{"text":"Now I I've oh, sorry, Tommy.","start":1405.965,"end":1409.665,"sentiment":"neutral","sentiment_score":0.1662045121192932},{"text":"Sorry, Tommy.","start":1410.445,"end":1411.265,"sentiment":"neutral","sentiment_score":-0.11401423066854477},{"text":"I was just gonna say, transitioning from my existing to the new accountant, do I have to be involved with it or is that all done between the two parties?","start":1411.325,"end":1420.225,"sentiment":"neutral","sentiment_score":-0.05555590024838845},{"text":"Yep.","start":1425.98,"end":1426.48,"sentiment":"neutral","sentiment_score":0.07163170725107193},{"text":"Yep.","start":1428.62,"end":1429.12,"sentiment":"neutral","sentiment_score":0.03781191259622574}],"sentiment":"neutral","sentiment_score":-0.01970086940564215,"num_words":40,"start":1405.965,"end":1429.12},{"sentences":[{"text":"Okay.","start":1429.9,"end":1430.4,"sentiment":"neutral","sentiment_score":0.02577674202620983},{"text":"Okay.","start":1430.78,"end":1431.28,"sentiment":"neutral","sentiment_score":0.025018254294991493},{"text":"Yep.","start":1432.22,"end":1432.72,"sentiment":"neutral","sentiment_score":0.03929721936583519},{"text":"So any of the historical paperwork, the new accountant, the new party will be able to access anyway.","start":1435.965,"end":1441.885,"sentiment":"neutral","sentiment_score":0.04386263257927365},{"text":"Right?","start":1441.885,"end":1442.385,"sentiment":"neutral","sentiment_score":0.021059829741716385}],"sentiment":"neutral","sentiment_score":0.04093997417525812,"num_words":22,"start":1429.9,"end":1442.385},{"sentences":[{"text":"Okay.","start":1447.085,"end":1447.585,"sentiment":"neutral","sentiment_score":0.042630717158317566},{"text":"Alright.","start":1447.645,"end":1448.145,"sentiment":"neutral","sentiment_score":0.05423818528652191},{"text":"Alright.","start":1449.7101,"end":1450.2101,"sentiment":"neutral","sentiment_score":0.03691119700670242},{"text":"Yeah.","start":1454.51,"end":1455.01,"sentiment":"neutral","sentiment_score":0.063086599111557},{"text":"Yep.","start":1463.275,"end":1463.515,"sentiment":"neutral","sentiment_score":0.07333925366401672}],"sentiment":"neutral","sentiment_score":0.054041190445423125,"num_words":5,"start":1447.085,"end":1463.515},{"sentences":[{"text":"Yep.","start":1463.515,"end":1464.015,"sentiment":"neutral","sentiment_score":0.06752124428749084},{"text":"Yep.","start":1466.635,"end":1467.135,"sentiment":"neutral","sentiment_score":0.06247953698039055},{"text":"Okay.","start":1469.755,"end":1470.255,"sentiment":"neutral","sentiment_score":0.1950055956840515},{"text":"Yep.","start":1473.915,"end":1474.3151,"sentiment":"neutral","sentiment_score":0.3264182209968567},{"text":"Okay.","start":1474.3151,"end":1474.8151,"sentiment":"neutral","sentiment_score":0.22047974169254303}],"sentiment":"neutral","sentiment_score":0.17438086792826651,"num_words":5,"start":1463.515,"end":1474.8151},{"sentences":[{"text":"Alright.","start":1475.64,"end":1476.14,"sentiment":"neutral","sentiment_score":0.14680370688438416},{"text":"And it's not gonna make any I mean, the tax laws are universal as in Australia.","start":1476.28,"end":1480.62,"sentiment":"neutral","sentiment_score":0.03619410749524832},{"text":"Right?","start":1480.68,"end":1481.0,"sentiment":"neutral","sentiment_score":0.005754298530519009},{"text":"It doesn't matter which state the account sits in.","start":1481.0,"end":1483.16,"sentiment":"neutral","sentiment_score":-0.0054761688224971294},{"text":"Yeah?","start":1483.16,"end":1483.66,"sentiment":"neutral","sentiment_score":0.043853700160980225}],"sentiment":"neutral","sentiment_score":0.025936853789192225,"num_words":28,"start":1475.64,"end":1483.66},{"sentences":[{"text":"Okay.","start":1485.48,"end":1485.98,"sentiment":"neutral","sentiment_score":0.04753139242529869},{"text":"Yeah.","start":1486.68,"end":1486.92,"sentiment":"neutral","sentiment_score":-0.004332861863076687},{"text":"It's all federal.","start":1486.92,"end":1487.8,"sentiment":"neutral","sentiment_score":-0.027259367207686108},{"text":"Yeah.","start":1487.8,"end":1488.3,"sentiment":"neutral","sentiment_score":-0.03052214533090591},{"text":"Okay.","start":1500.165,"end":1500.665,"sentiment":"neutral","sentiment_score":0.02739518880844116}],"sentiment":"neutral","sentiment_score":-0.00595807536904301,"num_words":7,"start":1485.48,"end":1500.665},{"sentences":[{"text":"Alright.","start":1500.725,"end":1501.225,"sentiment":"neutral","sentiment_score":0.09650707244873048},{"text":"Alright.","start":1501.5499,"end":1501.87,"sentiment":"neutral","sentiment_score":0.17062310874462128},{"text":"That that that'd be good because, like I said, I've I've been looking of I mean, I've had my property for two years now and and and both parties rental, and I send a lot of I send a lot of, you know, info information that she prepares my text, but she doesn't give me any guidance.","start":1501.87,"end":1520.735,"sentiment":"neutral","sentiment_score":0.04399756061141951},{"text":"And all she just prepares the thing and send it to me, and then all I know is this is what I'm getting back in terms of a credit, a rebate, and that's it.","start":1520.735,"end":1529.3401,"sentiment":"neutral","sentiment_score":0.07597799443037194},{"text":"And then I don't know I don't she doesn't explain to me I could've got more if we did this or blah blah blah.","start":1529.3401,"end":1536.9401,"sentiment":"negative","sentiment_score":-0.35092831558237475}],"sentiment":"neutral","sentiment_score":-0.026188347241881058,"num_words":117,"start":1500.725,"end":1536.9401},{"sentences":[{"text":"I'm getting no guidance.","start":1536.9401,"end":1538.2201,"sentiment":"negative","sentiment_score":-0.47364650666713715},{"text":"And then and given that I'm I'm at I'm at the stage that I'm at, I wanna obviously maximize my situation as much as I get.","start":1538.2201,"end":1545.9451,"sentiment":"neutral","sentiment_score":0.07282003617057434},{"text":"Not illegally.","start":1545.9451,"end":1546.765,"sentiment":"neutral","sentiment_score":-0.2116830199956894},{"text":"Not illegally.","start":1547.225,"end":1548.045,"sentiment":"neutral","sentiment_score":-0.18939422070980072},{"text":"But, you know, I wanna be able to do the right thing so I don't have to pay more than what I really have to.","start":1548.665,"end":1553.885,"sentiment":"neutral","sentiment_score":0.10850407913327217}],"sentiment":"neutral","sentiment_score":0.03235902390995268,"num_words":59,"start":1536.9401,"end":1553.885},{"sentences":[{"text":"Yeah.","start":1556.97,"end":1557.47,"sentiment":"neutral","sentiment_score":0.10870251059532166},{"text":"Yeah.","start":1559.45,"end":1559.95,"sentiment":"neutral","sentiment_score":0.035392776131629944},{"text":"Yeah.","start":1562.25,"end":1562.75,"sentiment":"neutral","sentiment_score":0.015044959262013435},{"text":"Yeah.","start":1562.97,"end":1563.47,"sentiment":"neutral","sentiment_score":-0.0218566432595253},{"text":"Yeah.","start":1565.69,"end":1566.19,"sentiment":"neutral","sentiment_score":-0.0228651724755764}],"sentiment":"neutral","sentiment_score":0.022883686050772668,"num_words":5,"start":1556.97,"end":1566.19},{"sentences":[{"text":"Yeah.","start":1566.6499,"end":1567.1499,"sentiment":"neutral","sentiment_score":0.02623843029141426},{"text":"Okay.","start":1567.7699,"end":1568.2699,"sentiment":"neutral","sentiment_score":0.04868851602077484},{"text":"Would you be able to arrange that for me in terms of speaking to speaking to parties?","start":1568.4099,"end":1575.045,"sentiment":"neutral","sentiment_score":0.07442538527881398},{"text":"No.","start":1579.745,"end":1580.245,"sentiment":"neutral","sentiment_score":-0.1135874167084694},{"text":"Only only for well, the only one that's due the only one that needs to be prepared for is the twenty five twenty six.","start":1580.4651,"end":1588.49,"sentiment":"neutral","sentiment_score":-0.1440569922948877}],"sentiment":"neutral","sentiment_score":-0.050699925812130626,"num_words":44,"start":1566.6499,"end":1588.49},{"sentences":[{"text":"Hang on.","start":1591.3501,"end":1591.8301,"sentiment":"neutral","sentiment_score":-0.053507616743445396},{"text":"2526.","start":1591.8301,"end":1593.2101,"sentiment":"neutral","sentiment_score":-0.010797815397381784},{"text":"Yeah.","start":1593.5901,"end":1593.8301,"sentiment":"neutral","sentiment_score":-0.007197742350399494},{"text":"Yeah.","start":1593.8301,"end":1594.0701,"sentiment":"neutral","sentiment_score":0.10653544962406158},{"text":"Because I've got two May next year.","start":1594.0701,"end":1595.5901,"sentiment":"neutral","sentiment_score":0.10304073031459536}],"sentiment":"neutral","sentiment_score":0.05856748088262975,"num_words":12,"start":1591.3501,"end":1595.5901},{"sentences":[{"text":"That's right.","start":1595.5901,"end":1596.255,"sentiment":"neutral","sentiment_score":0.19891151785850525},{"text":"Yeah.","start":1602.655,"end":1603.155,"sentiment":"neutral","sentiment_score":0.11369919776916504},{"text":"Yeah.","start":1607.375,"end":1607.615,"sentiment":"neutral","sentiment_score":0.03688300400972366},{"text":"So 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right?","start":1617.79,"end":1620.13,"sentiment":"neutral","sentiment_score":-0.09903834573924541},{"text":"No.","start":1620.35,"end":1620.67,"sentiment":"neutral","sentiment_score":-0.23726922273635864},{"text":"No.","start":1620.67,"end":1620.83,"sentiment":"neutral","sentiment_score":-0.2372826635837555}],"sentiment":"neutral","sentiment_score":-0.0457551785173916,"num_words":31,"start":1610.415,"end":1620.83},{"sentences":[{"text":"No.","start":1620.83,"end":1621.0701,"sentiment":"neutral","sentiment_score":-0.2599337697029114},{"text":"No.","start":1621.0701,"end":1621.23,"sentiment":"neutral","sentiment_score":-0.2782803773880005},{"text":"Sorry.","start":1621.23,"end":1621.73,"sentiment":"neutral","sentiment_score":-0.2483881562948227},{"text":"Sorry.","start":1622.03,"end":1622.53,"sentiment":"neutral","sentiment_score":-0.2336049377918243},{"text":"It's a it's a 2526 that needs to be prepared for last financial 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just so you you know, you've been dealing with me for for a year or two now.","start":1664.4,"end":1669.04,"sentiment":"neutral","sentiment_score":0.15185512436760795},{"text":"You have an idea of my personality, etcetera.","start":1669.04,"end":1672.18,"sentiment":"neutral","sentiment_score":0.11253212206065655}],"sentiment":"neutral","sentiment_score":0.14788476146500687,"num_words":29,"start":1660.715,"end":1672.18},{"sentences":[{"text":"Is there one that you say, oh, why then you should speak to this one 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at the end of the day, it doesn't bother me too much where I am as long as the communication lines are open and and we can we we we can do those comms whichever way, either over a technology product platform, voice, or or, you know, teams and that type of thing, that's fine for me as long as I can, one, visually see what they need to show me and likewise, what they need to show me they're happy to do over technology.","start":1710.235,"end":1740.465,"sentiment":"neutral","sentiment_score":0.29625382049139154},{"text":"Alright?","start":1741.8049,"end":1742.3049,"sentiment":"neutral","sentiment_score":0.12091533839702606},{"text":"But I I just I just want yeah.","start":1742.5249,"end":1745.2401,"sentiment":"neutral","sentiment_score":0.05771570885553956}],"sentiment":"neutral","sentiment_score":0.2701965590036407,"num_words":97,"start":1709.4349,"end":1745.2401},{"sentences":[{"text":"Could you do that?","start":1745.2401,"end":1746.38,"sentiment":"neutral","sentiment_score":0.026401457842439413},{"text":"Yeah.","start":1748.04,"end":1748.52,"sentiment":"neutral","sentiment_score":0.059376683086156845},{"text":"If you could just give me a lead in on on to whoever as well so they'll rather than it becoming a cold call.","start":1748.52,"end":1755.16,"sentiment":"neutral","sentiment_score":-0.00534070935100317},{"text":"Yeah?","start":1755.16,"end":1755.66,"sentiment":"neutral","sentiment_score":0.05412183329463005},{"text":"While I got you, I'm moving on to the second point now.","start":1764.225,"end":1768.0851,"sentiment":"neutral","sentiment_score":0.050727149937301874}],"sentiment":"neutral","sentiment_score":0.0166584076803355,"num_words":42,"start":1745.2401,"end":1768.0851},{"sentences":[{"text":"Now one of the things the strategist the the investment strategist are basically a financial 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do.","start":1817.765,"end":1820.1849,"sentiment":"neutral","sentiment_score":0.007377306723760234}],"sentiment":"neutral","sentiment_score":0.11528370387548971,"num_words":86,"start":1796.2101,"end":1820.1849},{"sentences":[{"text":"So I've I've also I've also been riding her back in a hotel to tell her she needs to talk to you guys about her super.","start":1821.365,"end":1829.0701,"sentiment":"neutral","sentiment_score":-0.02636080889855153},{"text":"She doesn't have regular meetings with you guys, which she's short on an annual basis.","start":1829.29,"end":1834.5901,"sentiment":"neutral","sentiment_score":-0.19899027893940607},{"text":"So she spoke to I think she spoke to, Sebi initially to get on because I I put her on I put, her onto Sebi, which I did when I first joined.","start":1836.225,"end":1846.005,"sentiment":"neutral","sentiment_score":0.028965185774723068},{"text":"So I'm trying to get her to contact you guys to at least do an annual review.","start":1846.545,"end":1851.37,"sentiment":"neutral","sentiment_score":0.09333210811018944},{"text":"She's she's five years older than I am.","start":1851.37,"end":1853.71,"sentiment":"neutral","sentiment_score":-0.081051662331447}],"sentiment":"neutral","sentiment_score":-0.018419558484088248,"num_words":98,"start":1821.365,"end":1853.71},{"sentences":[{"text":"So I told her she needs to engage you guys and and and start, you know, being actively involved with the super.","start":1854.25,"end":1862.43,"sentiment":"neutral","sentiment_score":0.008969903161579912},{"text":"Yeah.","start":1866.155,"end":1866.635,"sentiment":"neutral","sentiment_score":0.07234489917755127},{"text":"Yeah.","start":1866.635,"end":1867.135,"sentiment":"neutral","sentiment_score":0.05619680136442184},{"text":"Yeah.","start":1867.515,"end":1868.015,"sentiment":"neutral","sentiment_score":0.05420810729265213},{"text":"Yeah.","start":1868.5549,"end":1869.0549,"sentiment":"neutral","sentiment_score":0.05981309711933136}],"sentiment":"neutral","sentiment_score":0.016919260558027487,"num_words":26,"start":1854.25,"end":1869.0549},{"sentences":[{"text":"Yeah.","start":1870.635,"end":1871.135,"sentiment":"neutral","sentiment_score":0.28209632635116577},{"text":"Yeah.","start":1871.9149,"end":1872.4149,"sentiment":"neutral","sentiment_score":0.2151556760072708},{"text":"So I've been riding her back to get in touch with you guys to at least do that.","start":1873.195,"end":1877.76,"sentiment":"neutral","sentiment_score":0.2303760920961698},{"text":"That's the thing.","start":1878.56,"end":1879.12,"sentiment":"neutral","sentiment_score":0.08877609421809514},{"text":"Okay.","start":1879.12,"end":1879.36,"sentiment":"neutral","sentiment_score":0.01723111793398857}],"sentiment":"neutral","sentiment_score":0.2053158775282403,"num_words":24,"start":1870.635,"end":1879.36},{"sentences":[{"text":"The other thing I've I've got to I'm sorry.","start":1879.36,"end":1881.52,"sentiment":"neutral","sentiment_score":-0.0479376721713278},{"text":"I went sidetracked when I spoke to Polly.","start":1881.52,"end":1883.62,"sentiment":"neutral","sentiment_score":-0.10254243109375238},{"text":"Polly asked me to check.","start":1884.0,"end":1885.52,"sentiment":"neutral","sentiment_score":-0.035114435479044914},{"text":"I've currently run I currently, as you know, with my work super with ANZ through my organization, I've got an insurance component on that.","start":1885.52,"end":1895.155,"sentiment":"neutral","sentiment_score":-0.03722083273654183},{"text":"It's a salary continuance insurance.","start":1895.155,"end":1897.495,"sentiment":"neutral","sentiment_score":-0.05725418329238892}],"sentiment":"neutral","sentiment_score":-0.051116109369140045,"num_words":51,"start":1879.36,"end":1897.495},{"sentences":[{"text":"On top of that on top of that, I run a retail one that's been going for twenty odd years.","start":1898.355,"end":1904.82,"sentiment":"neutral","sentiment_score":-0.03202501935884357},{"text":"But now it's starting to drop off a bit in terms of my my premium.","start":1905.62,"end":1910.4199,"sentiment":"neutral","sentiment_score":-0.31828174491723377},{"text":"It's going down.","start":1910.4199,"end":1911.48,"sentiment":"neutral","sentiment_score":-0.32488998770713806},{"text":"Question is and and that that that that coverage only continues to 65.","start":1911.86,"end":1918.0399,"sentiment":"neutral","sentiment_score":-0.15048957902651566},{"text":"The question that she's asked me to ask you is, do I keep both or do I offload the the retail one, which is the MLC, which is now a sender?","start":1918.495,"end":1929.635,"sentiment":"neutral","sentiment_score":-0.08208003568072472}],"sentiment":"neutral","sentiment_score":-0.13280783118907272,"num_words":82,"start":1898.355,"end":1929.635},{"sentences":[{"text":"Yeah.","start":1934.64,"end":1935.14,"sentiment":"neutral","sentiment_score":-0.04109334200620651},{"text":"Given that I've got the salary continuance on the work super, which I pay $600 a month out of a fortnight out of my own pocket.","start":1936.16,"end":1946.74,"sentiment":"neutral","sentiment_score":-0.09018817314734826},{"text":"Okay.","start":1953.685,"end":1954.185,"sentiment":"neutral","sentiment_score":-0.06630951166152954},{"text":"Yep.","start":1958.5651,"end":1959.0651,"sentiment":"neutral","sentiment_score":0.025842148810625076},{"text":"In terms of in terms of benefits?","start":1969.74,"end":1972.56,"sentiment":"neutral","sentiment_score":-0.07230699062347412}],"sentiment":"neutral","sentiment_score":-0.08146117058479124,"num_words":36,"start":1934.64,"end":1972.56},{"sentences":[{"text":"Yep.","start":1979.9451,"end":1980.4451,"sentiment":"neutral","sentiment_score":0.08362426608800888},{"text":"Yeah.","start":1994.42,"end":1994.92,"sentiment":"neutral","sentiment_score":0.20260804891586304},{"text":"I I've claimed on it once when I had my bypass, but that was 2,005, 2,006, but I've made no further claim.","start":2001.2999,"end":2009.9249,"sentiment":"neutral","sentiment_score":0.07545203766362234},{"text":"They wouldn't allow me to put t b PPD on it because of the bypass back then.","start":2012.225,"end":2018.5449,"sentiment":"neutral","sentiment_score":-0.11124860232367235},{"text":"They they didn't have a buyback, but they got buybacks on their policy.","start":2018.5449,"end":2021.905,"sentiment":"neutral","sentiment_score":-0.15328094305900428}],"sentiment":"neutral","sentiment_score":-0.035883358438257816,"num_words":54,"start":1979.9451,"end":2021.905},{"sentences":[{"text":"But the policy I got at the time didn't have buyback on it.","start":2021.905,"end":2027.56,"sentiment":"neutral","sentiment_score":-0.2759214903299625},{"text":"Oh, yeah.","start":2032.18,"end":2032.66,"sentiment":"neutral","sentiment_score":-0.058651942759752274},{"text":"Yeah.","start":2032.66,"end":2032.9,"sentiment":"neutral","sentiment_score":-0.047041330486536026},{"text":"When I made that claim, they paid out on they paid out a 120 k, I think, at the time, and they got wiped out.","start":2032.9,"end":2039.505,"sentiment":"neutral","sentiment_score":-0.11489174395799637},{"text":"Oh, that they'll run that will run whilst I'm employed.","start":2063.24,"end":2066.7,"sentiment":"neutral","sentiment_score":0.07163769863545895}],"sentiment":"neutral","sentiment_score":-0.1158282588802132,"num_words":51,"start":2021.905,"end":2066.7},{"sentences":[{"text":"And then generally, they they generally give you the option.","start":2067.655,"end":2071.0151,"sentiment":"neutral","sentiment_score":0.08433397337794304},{"text":"Right?","start":2071.0151,"end":2071.3352,"sentiment":"neutral","sentiment_score":0.07410436123609543},{"text":"Generally, they'll give you the option if you move on to continue it.","start":2071.3352,"end":2075.195,"sentiment":"neutral","sentiment_score":0.10764923175940147},{"text":"Yeah.","start":2087.1602,"end":2087.6602,"sentiment":"neutral","sentiment_score":0.11748902499675752},{"text":"Yeah.","start":2095.0,"end":2095.08,"sentiment":"neutral","sentiment_score":0.12490931898355484}],"sentiment":"neutral","sentiment_score":0.09843394045646374,"num_words":26,"start":2067.655,"end":2095.08},{"sentences":[{"text":"Yeah.","start":2095.08,"end":2095.58,"sentiment":"neutral","sentiment_score":0.12484809011220932},{"text":"Yep.","start":2096.805,"end":2097.305,"sentiment":"neutral","sentiment_score":0.06903690099716187},{"text":"Yep.","start":2098.7249,"end":2099.2249,"sentiment":"neutral","sentiment_score":0.11053185909986496},{"text":"Yeah.","start":2119.13,"end":2119.63,"sentiment":"neutral","sentiment_score":-0.15998080372810364},{"text":"Yes.","start":2128.685,"end":2129.185,"sentiment":"neutral","sentiment_score":0.027108987793326374}],"sentiment":"neutral","sentiment_score":0.03430900685489178,"num_words":5,"start":2095.08,"end":2129.185},{"sentences":[{"text":"So I've got two salary continuance going at the moment.","start":2129.7249,"end":2132.765,"sentiment":"neutral","sentiment_score":0.029427474178373814},{"text":"Yeah?","start":2132.765,"end":2133.265,"sentiment":"neutral","sentiment_score":0.029810510575771332},{"text":"So the, yeah, so so the Ascender the Ascender one, which was known as MLC, that's a retail salary continuance that I acquired in '2 or I acquired in 1919 or 1999, I think.","start":2135.645,"end":2154.2551,"sentiment":"neutral","sentiment_score":0.00032270755892729056},{"text":"I acquired that.","start":2154.555,"end":2155.775,"sentiment":"neutral","sentiment_score":-0.0033022494365771613},{"text":"Yeah.","start":2158.155,"end":2158.635,"sentiment":"neutral","sentiment_score":-0.014830972999334335}],"sentiment":"neutral","sentiment_score":0.00633305281742799,"num_words":49,"start":2129.7249,"end":2158.635},{"sentences":[{"text":"And and I've made one claim on that for TPD of which they paid out.","start":2158.635,"end":2162.975,"sentiment":"neutral","sentiment_score":-0.03662208405633768},{"text":"Okay?","start":2165.035,"end":2165.535,"sentiment":"neutral","sentiment_score":0.00719858705997467},{"text":"Now there is salary continuance on that.","start":2166.13,"end":2168.71,"sentiment":"neutral","sentiment_score":-0.002562002544956548},{"text":"There is also salary continuance on my a n zed one, which I pay out of my my my salary.","start":2168.77,"end":2176.63,"sentiment":"neutral","sentiment_score":-0.019315624920272965},{"text":"Okay.","start":2180.175,"end":2180.495,"sentiment":"neutral","sentiment_score":-0.018484124913811684}],"sentiment":"neutral","sentiment_score":-0.02192871170270585,"num_words":44,"start":2158.635,"end":2180.495},{"sentences":[{"text":"So yeah.","start":2180.495,"end":2182.675,"sentiment":"neutral","sentiment_score":-0.06524820625782013},{"text":"I also have a life that that the a and zed one has a life component, and it also has the salary continuance component.","start":2183.855,"end":2192.355,"sentiment":"neutral","sentiment_score":0.027292801765725017},{"text":"I'm just trying to see if I can switch over.","start":2194.14,"end":2196.48,"sentiment":"neutral","sentiment_score":-0.02165589863434434},{"text":"Just give me a sec.","start":2196.94,"end":2197.9,"sentiment":"neutral","sentiment_score":-0.01626330427825451},{"text":"I'll I'll switch screens to my work so I can tell you what I'm paying out of my salary continuance.","start":2197.9,"end":2204.16,"sentiment":"neutral","sentiment_score":-0.027787422155961396}],"sentiment":"neutral","sentiment_score":-0.005394969196593175,"num_words":61,"start":2180.495,"end":2204.16},{"sentences":[{"text":"What I'm paying out of my salary for the salary continuance insurance.","start":2206.085,"end":2209.545,"sentiment":"neutral","sentiment_score":-0.08800806850194931},{"text":"Just give me a sec.","start":2210.405,"end":2211.545,"sentiment":"neutral","sentiment_score":-0.09506679773330688},{"text":"But it's a group one.","start":2214.565,"end":2215.765,"sentiment":"neutral","sentiment_score":-0.2304680436849594},{"text":"I don't have I don't have the policies.","start":2215.765,"end":2217.765,"sentiment":"negative","sentiment_score":-0.4142431393265724},{"text":"It's a group insurance.","start":2217.765,"end":2218.825,"sentiment":"neutral","sentiment_score":-0.2688942812383175}],"sentiment":"neutral","sentiment_score":-0.20803803731413448,"num_words":34,"start":2206.085,"end":2218.825},{"sentences":[{"text":"Okay.","start":2225.46,"end":2225.8599,"sentiment":"neutral","sentiment_score":-0.004493977874517441},{"text":"Just give me a sec.","start":2225.8599,"end":2227.24,"sentiment":"neutral","sentiment_score":-0.0038614016026258468},{"text":"Is the weather warm up there?","start":2235.345,"end":2237.0452,"sentiment":"neutral","sentiment_score":-0.012907821064194044},{"text":"It's just gone from winter straight into summer down here.","start":2237.425,"end":2241.0452,"sentiment":"neutral","sentiment_score":-0.17005300968885423},{"text":"Yeah.","start":2245.665,"end":2246.165,"sentiment":"neutral","sentiment_score":-0.0774182379245758}],"sentiment":"neutral","sentiment_score":-0.08170418465590995,"num_words":23,"start":2225.46,"end":2246.165},{"sentences":[{"text":"Yeah.","start":2250.75,"end":2251.25,"sentiment":"neutral","sentiment_score":-0.06321588158607483},{"text":"I heard you guys had a bit of you guys had power disruptions and everything up there.","start":2251.5498,"end":2256.6099,"sentiment":"neutral","sentiment_score":-0.1636459305882454},{"text":"Yeah.","start":2268.455,"end":2268.955,"sentiment":"neutral","sentiment_score":-0.004260355606675148},{"text":"Yeah.","start":2271.0151,"end":2271.5151,"sentiment":"neutral","sentiment_score":-0.04344162344932556},{"text":"Okay.","start":2274.03,"end":2274.53,"sentiment":"neutral","sentiment_score":-0.04380298405885696}],"sentiment":"neutral","sentiment_score":-0.1398429364143383,"num_words":21,"start":2250.75,"end":2274.53},{"sentences":[{"text":"So sorry.","start":2274.83,"end":2279.8901,"sentiment":"neutral","sentiment_score":-0.07090607285499573},{"text":"So so I've got so salary continuance.","start":2280.03,"end":2284.85,"sentiment":"neutral","sentiment_score":-0.0454218616443021},{"text":"Right?","start":2285.87,"end":2286.35,"sentiment":"neutral","sentiment_score":-0.02700214087963104},{"text":"Actually, my apologies.","start":2286.35,"end":2287.73,"sentiment":"neutral","sentiment_score":-0.16572444885969165},{"text":"It's more than 600.","start":2287.79,"end":2289.045,"sentiment":"neutral","sentiment_score":-0.11988743767142296}],"sentiment":"neutral","sentiment_score":-0.08608767149202964,"num_words":17,"start":2274.83,"end":2289.045},{"sentences":[{"text":"That was total.","start":2289.285,"end":2290.165,"sentiment":"neutral","sentiment_score":-0.11386065433422725},{"text":"So my apologies.","start":2290.165,"end":2291.045,"sentiment":"neutral","sentiment_score":-0.1601100911696752},{"text":"The salary continues.","start":2291.045,"end":2292.265,"sentiment":"neutral","sentiment_score":-0.07787181933720906},{"text":"I pay $40.75 a fortnight.","start":2292.405,"end":2296.1848,"sentiment":"neutral","sentiment_score":0.01093963412567973},{"text":"4 04075.","start":2299.285,"end":2302.1848,"sentiment":"neutral","sentiment_score":0.012622707057744265}],"sentiment":"neutral","sentiment_score":-0.06097400686121546,"num_words":16,"start":2289.285,"end":2302.1848},{"sentences":[{"text":"And then the yep.","start":2308.02,"end":2312.98,"sentiment":"neutral","sentiment_score":0.025073396041989326},{"text":"Okay.","start":2312.98,"end":2313.48,"sentiment":"neutral","sentiment_score":0.2150776982307434},{"text":"Right.","start":2317.46,"end":2317.96,"sentiment":"neutral","sentiment_score":0.25983983278274536},{"text":"Yeah.","start":2329.255,"end":2329.755,"sentiment":"neutral","sentiment_score":0.032164059579372406},{"text":"Oh god.","start":2337.99,"end":2338.47,"sentiment":"neutral","sentiment_score":-0.01591941947117448}],"sentiment":"neutral","sentiment_score":0.06394848175760773,"num_words":9,"start":2308.02,"end":2338.47},{"sentences":[{"text":"I think they have Yeah.","start":2338.47,"end":2345.375,"sentiment":"neutral","sentiment_score":-0.00909261330962181},{"text":"Let let me let me I I won't be able to afford because they they don't they because it's group insurance.","start":2345.375,"end":2351.395,"sentiment":"neutral","sentiment_score":-0.0852798917109058},{"text":"Right?","start":2352.655,"end":2353.155,"sentiment":"neutral","sentiment_score":-0.03096834011375904},{"text":"I I don't have a copy of it.","start":2353.535,"end":2355.295,"sentiment":"neutral","sentiment_score":-0.07900479901582003},{"text":"Let me let me have a dig because I know I did ask the question many years ago when I joined.","start":2355.295,"end":2361.1401,"sentiment":"neutral","sentiment_score":-0.008821509822848298}],"sentiment":"neutral","sentiment_score":-0.04793927198209401,"num_words":56,"start":2338.47,"end":2361.1401},{"sentences":[{"text":"Just give me a second.","start":2361.6,"end":2362.56,"sentiment":"neutral","sentiment_score":0.0009306777268648147},{"text":"I'll see if I can find my see if I can I I got anything?","start":2362.56,"end":2366.18,"sentiment":"neutral","sentiment_score":0.008092248067259788},{"text":"My documents.","start":2369.2,"end":2370.1,"sentiment":"neutral","sentiment_score":-0.005909447092562914},{"text":"Yeah.","start":2375.555,"end":2376.035,"sentiment":"neutral","sentiment_score":0.01955479383468628},{"text":"Yeah.","start":2376.035,"end":2376.275,"sentiment":"neutral","sentiment_score":0.017509825527668}],"sentiment":"neutral","sentiment_score":0.006303451450852056,"num_words":24,"start":2361.6,"end":2376.275},{"sentences":[{"text":"I get that.","start":2376.275,"end":2376.835,"sentiment":"neutral","sentiment_score":0.013643489219248295},{"text":"Just give me a sec.","start":2376.835,"end":2378.055,"sentiment":"neutral","sentiment_score":0.005839479714632034},{"text":"Give me a sec.","start":2381.635,"end":2382.615,"sentiment":"neutral","sentiment_score":0.014451709808781743},{"text":"You might be in luck.","start":2423.365,"end":2424.905,"sentiment":"neutral","sentiment_score":0.09123621135950089},{"text":"Okay.","start":2450.19,"end":2450.51,"sentiment":"neutral","sentiment_score":0.06607251614332199}],"sentiment":"neutral","sentiment_score":0.036121571022603244,"num_words":18,"start":2376.275,"end":2450.51},{"sentences":[{"text":"So I've oh, okay.","start":2450.51,"end":2452.75,"sentiment":"neutral","sentiment_score":0.028171808808110654},{"text":"So I've got the annual super, and they got insurance fee.","start":2452.75,"end":2459.4749,"sentiment":"neutral","sentiment_score":0.001973313194784251},{"text":"So it it probably comes under the ANZ Smart Choice Super.","start":2461.535,"end":2466.035,"sentiment":"neutral","sentiment_score":0.06174021027982235},{"text":"And it's Smart Choice Super.","start":2468.93,"end":2470.63,"sentiment":"neutral","sentiment_score":0.11558263450860977},{"text":"It only tells me the insurance fee I paid in total.","start":2472.45,"end":2482.245,"sentiment":"neutral","sentiment_score":-0.07071488960222765}],"sentiment":"neutral","sentiment_score":0.014609175723134762,"num_words":42,"start":2450.51,"end":2482.245},{"sentences":[{"text":"Why would I have paid why would I have paid insurance fee of 2,495?","start":2484.225,"end":2490.885,"sentiment":"neutral","sentiment_score":-0.24827150787625993},{"text":"Okay.","start":2497.3398,"end":2497.8398,"sentiment":"neutral","sentiment_score":-0.004735724069178104},{"text":"Yep.","start":2498.7798,"end":2499.2798,"sentiment":"neutral","sentiment_score":-0.0009764753049239516},{"text":"They got a preservation component here.","start":2500.7798,"end":2503.5,"sentiment":"neutral","sentiment_score":0.0015268434459964437},{"text":"The preservation benefit of $32,831.81.","start":2503.5,"end":2510.555,"sentiment":"neutral","sentiment_score":0.011747584119439125}],"sentiment":"neutral","sentiment_score":-0.12643016030994692,"num_words":27,"start":2484.225,"end":2510.555},{"sentences":[{"text":"What's that?","start":2510.555,"end":2511.375,"sentiment":"neutral","sentiment_score":-0.005473794648423791},{"text":"Oh, okay.","start":2519.115,"end":2519.6748,"sentiment":"neutral","sentiment_score":0.010143631137907505},{"text":"Okay.","start":2519.6748,"end":2520.155,"sentiment":"neutral","sentiment_score":-0.0004369616508483886},{"text":"Alright.","start":2520.155,"end":2520.635,"sentiment":"neutral","sentiment_score":0.004068644251674414},{"text":"I get that.","start":2520.635,"end":2521.275,"sentiment":"neutral","sentiment_score":0.006588891769448916}],"sentiment":"neutral","sentiment_score":0.0036375589875711333,"num_words":9,"start":2510.555,"end":2521.275},{"sentences":[{"text":"Okay.","start":2521.275,"end":2521.755,"sentiment":"neutral","sentiment_score":0.0067720068618655205},{"text":"Okay.","start":2521.755,"end":2522.255,"sentiment":"neutral","sentiment_score":0.0038474788889288902},{"text":"Have you seen that statement?","start":2523.16,"end":2524.62,"sentiment":"neutral","sentiment_score":-0.00569447036832571},{"text":"Because it shows me the break.","start":2525.16,"end":2526.94,"sentiment":"neutral","sentiment_score":-0.014782661261657873},{"text":"When did she?","start":2532.92,"end":2533.82,"sentiment":"neutral","sentiment_score":-0.03940564766526222}],"sentiment":"neutral","sentiment_score":-0.014047861041035503,"num_words":16,"start":2521.275,"end":2533.82},{"sentences":[{"text":"Yeah.","start":2534.975,"end":2535.475,"sentiment":"neutral","sentiment_score":-0.009362436830997469},{"text":"Yeah.","start":2535.535,"end":2536.035,"sentiment":"neutral","sentiment_score":-0.0016444232314825058},{"text":"Okay.","start":2536.735,"end":2536.975,"sentiment":"neutral","sentiment_score":-0.000310002826154232},{"text":"Okay.","start":2536.975,"end":2537.375,"sentiment":"neutral","sentiment_score":-0.004190688952803612},{"text":"So it says how much super will I get?","start":2537.375,"end":2540.655,"sentiment":"neutral","sentiment_score":-0.01976988919907146}],"sentiment":"neutral","sentiment_score":-0.014879734971775459,"num_words":13,"start":2534.975,"end":2540.655},{"sentences":[{"text":"It's shocking.","start":2540.655,"end":2541.375,"sentiment":"negative","sentiment_score":-0.5394281148910522},{"text":"Right?","start":2541.375,"end":2541.875,"sentiment":"neutral","sentiment_score":-0.32823002338409424},{"text":"I've been with them seven years, and I only get a 132,000 out of that.","start":2541.935,"end":2547.635,"sentiment":"neutral","sentiment_score":-0.2795081824064255},{"text":"Yeah.","start":2553.4702,"end":2553.9502,"sentiment":"neutral","sentiment_score":-0.010194749571383},{"text":"Oh, okay.","start":2553.9502,"end":2554.51,"sentiment":"neutral","sentiment_score":0.00324369128793478}],"sentiment":"neutral","sentiment_score":-0.2668293502980045,"num_words":21,"start":2540.655,"end":2554.51},{"sentences":[{"text":"Okay.","start":2554.51,"end":2554.83,"sentiment":"neutral","sentiment_score":-0.012116393074393272},{"text":"Okay.","start":2554.83,"end":2555.1501,"sentiment":"neutral","sentiment_score":-0.041233621537685394},{"text":"Alright.","start":2555.1501,"end":2555.6501,"sentiment":"neutral","sentiment_score":-0.060461871325969696},{"text":"Alright.","start":2556.59,"end":2557.09,"sentiment":"neutral","sentiment_score":-0.011126136407256126},{"text":"Okay.","start":2557.1501,"end":2557.55,"sentiment":"neutral","sentiment_score":-0.00923184584826231}],"sentiment":"neutral","sentiment_score":-0.02683397363871336,"num_words":5,"start":2554.51,"end":2557.55},{"sentences":[{"text":"Okay.","start":2557.55,"end":2558.05,"sentiment":"neutral","sentiment_score":-0.0017682574689388275},{"text":"Here we go.","start":2558.75,"end":2559.31,"sentiment":"neutral","sentiment_score":0.009158312653501829},{"text":"Here we go.","start":2559.31,"end":2560.1301,"sentiment":"neutral","sentiment_score":0.01152633378903071},{"text":"So I've got a total disability benefit.","start":2560.1902,"end":2564.125,"sentiment":"neutral","sentiment_score":-0.0052917306145120946},{"text":"Right?","start":2564.905,"end":2565.405,"sentiment":"neutral","sentiment_score":0.015258260071277618}],"sentiment":"neutral","sentiment_score":0.002566788508556783,"num_words":15,"start":2557.55,"end":2565.405},{"sentences":[{"text":"Right?","start":2566.425,"end":2566.825,"sentiment":"neutral","sentiment_score":0.017621386796236038},{"text":"A total disability.","start":2566.825,"end":2567.965,"sentiment":"neutral","sentiment_score":-0.0023550496747096372},{"text":"So in the event of your total and permanent disability, your sum insured is $3,084.12 and 63¢.","start":2568.185,"end":2576.99,"sentiment":"neutral","sentiment_score":0.0057236458524130285},{"text":"Alright.","start":2583.9302,"end":2584.4302,"sentiment":"neutral","sentiment_score":0.008954765275120735},{"text":"Okay.","start":2586.4102,"end":2586.9102,"sentiment":"neutral","sentiment_score":0.01985987275838852}],"sentiment":"neutral","sentiment_score":0.005952236792919311,"num_words":23,"start":2566.425,"end":2586.9102},{"sentences":[{"text":"And and yeah.","start":2590.085,"end":2590.805,"sentiment":"neutral","sentiment_score":0.02229575626552105},{"text":"Okay.","start":2590.805,"end":2591.125,"sentiment":"neutral","sentiment_score":0.01689600758254528},{"text":"The sum insured.","start":2591.125,"end":2592.105,"sentiment":"neutral","sentiment_score":0.01553421001881361},{"text":"Alright.","start":2592.165,"end":2592.665,"sentiment":"neutral","sentiment_score":0.012961099855601788},{"text":"To 865 expiry.","start":2593.205,"end":2594.9849,"sentiment":"neutral","sentiment_score":0.00035792837540308636}],"sentiment":"neutral","sentiment_score":0.013129162856123665,"num_words":11,"start":2590.085,"end":2594.9849},{"sentences":[{"text":"The actually, the insurer, I said that the death benefit insurer is Zurich, Australia.","start":2598.405,"end":2605.76,"sentiment":"neutral","sentiment_score":-0.010281111130357854},{"text":"Right?","start":2607.5,"end":2608.0,"sentiment":"neutral","sentiment_score":-0.0026916880160570145},{"text":"And and it's got a okay.","start":2608.6199,"end":2611.8198,"sentiment":"neutral","sentiment_score":0.004757819697260857},{"text":"So and then the benefit the benefit of $341,244.44.","start":2611.8198,"end":2620.635,"sentiment":"neutral","sentiment_score":0.01911059394478798},{"text":"This this one is from September last year.","start":2629.3298,"end":2633.3298,"sentiment":"neutral","sentiment_score":-0.04475859971717}],"sentiment":"neutral","sentiment_score":-0.008004046786625526,"num_words":38,"start":2598.405,"end":2633.3298},{"sentences":[{"text":"So let me tell you exact date.","start":2633.3298,"end":2636.21,"sentiment":"neutral","sentiment_score":0.002700466097199491},{"text":"This one is the thirtieth sorry.","start":2636.21,"end":2637.73,"sentiment":"neutral","sentiment_score":-0.0010729746815438073},{"text":"June 30 last year.","start":2637.73,"end":2639.3499,"sentiment":"neutral","sentiment_score":-0.0008955495432019234},{"text":"Yeah.","start":2645.5952,"end":2646.0952,"sentiment":"neutral","sentiment_score":0.013319795951247215},{"text":"Yep.","start":2648.395,"end":2648.895,"sentiment":"neutral","sentiment_score":-0.000990112661384046}],"sentiment":"neutral","sentiment_score":0.0011164684056941617,"num_words":19,"start":2633.3298,"end":2648.895},{"sentences":[{"text":"Yeah.","start":2663.66,"end":2663.9,"sentiment":"neutral","sentiment_score":0.05633208155632019},{"text":"Okay.","start":2663.9,"end":2664.4,"sentiment":"neutral","sentiment_score":0.16809558868408203},{"text":"Yep.","start":2671.8152,"end":2672.3152,"sentiment":"neutral","sentiment_score":0.22298496961593628},{"text":"Okay.","start":2675.735,"end":2676.235,"sentiment":"neutral","sentiment_score":0.16392222046852112},{"text":"Is that enough for you to work off?","start":2681.335,"end":2683.2751,"sentiment":"neutral","sentiment_score":0.18651635851711035}],"sentiment":"neutral","sentiment_score":0.1752888107051452,"num_words":12,"start":2663.66,"end":2683.2751},{"sentences":[{"text":"Yes.","start":2706.245,"end":2706.5652,"sentiment":"neutral","sentiment_score":0.021427003666758537},{"text":"It's it's me.","start":2706.5652,"end":2707.945,"sentiment":"neutral","sentiment_score":-0.007141660704898338},{"text":"They're both virtually exclusive.","start":2708.0051,"end":2709.5452,"sentiment":"neutral","sentiment_score":-0.03763956855982542},{"text":"Yeah.","start":2725.64,"end":2726.14,"sentiment":"neutral","sentiment_score":0.008645656518638134},{"text":"Yeah.","start":2726.2,"end":2726.7,"sentiment":"neutral","sentiment_score":0.01075885072350502}],"sentiment":"neutral","sentiment_score":-0.0131151745445095,"num_words":10,"start":2706.245,"end":2726.7},{"sentences":[{"text":"Yeah.","start":2734.875,"end":2735.115,"sentiment":"neutral","sentiment_score":0.020703444257378575},{"text":"Yeah.","start":2735.115,"end":2735.2751,"sentiment":"neutral","sentiment_score":0.02235950157046318},{"text":"I've got that.","start":2735.2751,"end":2736.175,"sentiment":"neutral","sentiment_score":0.01708107627928257},{"text":"Yeah.","start":2736.395,"end":2736.635,"sentiment":"neutral","sentiment_score":0.04687961935997009},{"text":"Yeah.","start":2736.635,"end":2736.875,"sentiment":"neutral","sentiment_score":0.07872994244098663}],"sentiment":"neutral","sentiment_score":0.031416533780949454,"num_words":7,"start":2734.875,"end":2736.875},{"sentences":[{"text":"I've got that.","start":2736.875,"end":2737.435,"sentiment":"neutral","sentiment_score":0.09807472676038742},{"text":"Just give me a sec.","start":2737.435,"end":2738.655,"sentiment":"neutral","sentiment_score":0.09816798865795136},{"text":"Just give me a second.","start":2741.7551,"end":2743.135,"sentiment":"neutral","sentiment_score":0.11577971577644348},{"text":"M l c.","start":2745.9,"end":2746.96,"sentiment":"neutral","sentiment_score":0.016313207646210987},{"text":"M l y have I got this?","start":2750.46,"end":2752.48,"sentiment":"neutral","sentiment_score":0.00944535740252052}],"sentiment":"neutral","sentiment_score":0.06430520987867014,"num_words":23,"start":2736.875,"end":2752.48},{"sentences":[{"text":"Just bear with me.","start":2760.995,"end":2762.375,"sentiment":"neutral","sentiment_score":0.00377887929789722},{"text":"I'll log I'll log in to I'll log in to this my sender account and get that directly.","start":2762.435,"end":2768.135,"sentiment":"neutral","sentiment_score":0.09341406863596705},{"text":"Okay.","start":2840.6648,"end":2841.1648,"sentiment":"neutral","sentiment_score":0.07092103362083435},{"text":"Select option.","start":2841.7048,"end":2842.6848,"sentiment":"neutral","sentiment_score":0.0532736461609602},{"text":"Download certificate of currency.","start":2845.625,"end":2847.4849,"sentiment":"neutral","sentiment_score":0.04654542915523052}],"sentiment":"neutral","sentiment_score":0.0710420274207818,"num_words":29,"start":2760.995,"end":2847.4849},{"sentences":[{"text":"Okay.","start":2848.1848,"end":2848.6848,"sentiment":"neutral","sentiment_score":0.03845401853322983},{"text":"Alright.","start":2880.2551,"end":2880.7551,"sentiment":"neutral","sentiment_score":0.04346476122736931},{"text":"Email.","start":2880.895,"end":2881.215,"sentiment":"neutral","sentiment_score":0.03467041999101639},{"text":"Let's see.","start":2881.215,"end":2881.955,"sentiment":"neutral","sentiment_score":0.03993775136768818},{"text":"Okay.","start":2904.325,"end":2904.805,"sentiment":"neutral","sentiment_score":0.047592587769031525}],"sentiment":"neutral","sentiment_score":0.04067621504267057,"num_words":6,"start":2848.1848,"end":2904.805},{"sentences":[{"text":"Let me send the email to you.","start":2904.805,"end":2907.305,"sentiment":"neutral","sentiment_score":0.0658455453813076},{"text":"Tell me, what's your email address?","start":2915.21,"end":2916.75,"sentiment":"neutral","sentiment_score":0.04981995870669683},{"text":"Yeah.","start":2921.53,"end":2922.03,"sentiment":"neutral","sentiment_score":0.02465344220399857},{"text":"Yeah.","start":2924.17,"end":2924.67,"sentiment":"neutral","sentiment_score":0.018000304698944092},{"text":"Dot Tommy at Oakview.","start":2926.395,"end":2930.655,"sentiment":"neutral","sentiment_score":0.010015259962528944}],"sentiment":"neutral","sentiment_score":0.04434491350854698,"num_words":19,"start":2904.805,"end":2930.655},{"sentences":[{"text":"Financial?","start":2934.395,"end":2934.895,"sentiment":"neutral","sentiment_score":-0.007579674478620291},{"text":"No no s on the end of it?","start":2935.0352,"end":2936.975,"sentiment":"neutral","sentiment_score":-0.13968645874410868},{"text":"Financial.","start":2938.7952,"end":2939.2952,"sentiment":"neutral","sentiment_score":0.02858695387840271},{"text":"Oh, okay.","start":2945.49,"end":2946.13,"sentiment":"neutral","sentiment_score":0.028640462085604668},{"text":"Yeah.","start":2946.13,"end":2946.63,"sentiment":"neutral","sentiment_score":0.02024567499756813}],"sentiment":"neutral","sentiment_score":-0.07838136856802382,"num_words":13,"start":2934.395,"end":2946.63},{"sentences":[{"text":"Financial dot com dot a u.","start":2946.69,"end":2950.23,"sentiment":"neutral","sentiment_score":0.013451842280725637},{"text":"Okay.","start":2951.65,"end":2952.15,"sentiment":"neutral","sentiment_score":0.05656634271144867},{"text":"I'll just say send Alright.","start":2952.3699,"end":2961.7349,"sentiment":"neutral","sentiment_score":0.05779953561723232},{"text":"It's on the way?","start":2979.44,"end":2980.66,"sentiment":"neutral","sentiment_score":0.1282215528190136},{"text":"Yep.","start":2984.8,"end":2985.3,"sentiment":"neutral","sentiment_score":0.026862306520342827}],"sentiment":"neutral","sentiment_score":0.056824917192844784,"num_words":17,"start":2946.69,"end":2985.3},{"sentences":[{"text":"Yep.","start":3053.125,"end":3053.625,"sentiment":"neutral","sentiment_score":0.05405222997069359},{"text":"So I'll have so who who does that go to?","start":3060.885,"end":3064.87,"sentiment":"neutral","sentiment_score":0.04871504716575146},{"text":"The email address?","start":3065.25,"end":3066.2302,"sentiment":"neutral","sentiment_score":0.025681618601083755},{"text":"Contact at a u financial dot com dot a u.","start":3076.885,"end":3083.7852,"sentiment":"neutral","sentiment_score":0.05623259842395782},{"text":"There's I'll just say I know.","start":3088.0051,"end":3110.055,"sentiment":"neutral","sentiment_score":0.18547282367944717}],"sentiment":"neutral","sentiment_score":0.07644701612492402,"num_words":30,"start":3053.125,"end":3110.055},{"sentences":[{"text":"Copy.","start":3110.055,"end":3110.555,"sentiment":"neutral","sentiment_score":0.1076575219631195},{"text":"Just give me a sec.","start":3115.895,"end":3117.1948,"sentiment":"neutral","sentiment_score":0.07577452808618546},{"text":"I've copied you in on the email.","start":3124.1401,"end":3126.0,"sentiment":"neutral","sentiment_score":0.07851573026606015},{"text":"Alright.","start":3135.5352,"end":3135.935,"sentiment":"neutral","sentiment_score":0.23382215201854703},{"text":"So I'll let you consume that and then come back to me.","start":3135.935,"end":3139.395,"sentiment":"neutral","sentiment_score":0.14929379957417646}],"sentiment":"neutral","sentiment_score":0.11774953927558202,"num_words":26,"start":3110.055,"end":3139.395},{"sentences":[{"text":"What else do we need to go away?","start":3142.0151,"end":3144.815,"sentiment":"neutral","sentiment_score":-0.16585992276668549},{"text":"I'm just trying to think.","start":3144.815,"end":3146.095,"sentiment":"neutral","sentiment_score":-0.07587672770023346},{"text":"I think that that's it.","start":3146.095,"end":3147.215,"sentiment":"neutral","sentiment_score":-0.03986134454607963},{"text":"Yeah?","start":3147.215,"end":3147.5352,"sentiment":"neutral","sentiment_score":0.0010617487132549286},{"text":"Tommy?","start":3147.5352,"end":3148.0352,"sentiment":"neutral","sentiment_score":0.005467518232762814}],"sentiment":"neutral","sentiment_score":-0.09495202382095158,"num_words":20,"start":3142.0151,"end":3148.0352},{"sentences":[{"text":"Yeah.","start":3152.4302,"end":3152.9302,"sentiment":"neutral","sentiment_score":0.033330582082271576},{"text":"Yeah.","start":3154.99,"end":3155.49,"sentiment":"neutral","sentiment_score":0.04014607146382332},{"text":"Yeah.","start":3165.2551,"end":3165.655,"sentiment":"neutral","sentiment_score":0.04285595193505287},{"text":"So just just one other thing.","start":3165.655,"end":3167.175,"sentiment":"neutral","sentiment_score":0.0215269277493159},{"text":"Because of the age, I know you and I talked about this some time ago.","start":3167.175,"end":3171.115,"sentiment":"neutral","sentiment_score":-0.016299732650319736}],"sentiment":"neutral","sentiment_score":0.00004159092592696356,"num_words":24,"start":3152.4302,"end":3171.115},{"sentences":[{"text":"Given I'm working full time in terms of accessing the super, I don't need to do all that, do I?","start":3171.735,"end":3177.96,"sentiment":"neutral","sentiment_score":-0.017829928919672965},{"text":"For whatever benefits.","start":3178.98,"end":3180.28,"sentiment":"neutral","sentiment_score":-0.010484836995601654},{"text":"Yeah.","start":3188.26,"end":3188.76,"sentiment":"neutral","sentiment_score":-0.07245682179927826},{"text":"Right.","start":3204.48,"end":3204.8801,"sentiment":"neutral","sentiment_score":0.22556982934474945},{"text":"Okay.","start":3204.8801,"end":3205.3801,"sentiment":"neutral","sentiment_score":0.21278542280197144}],"sentiment":"neutral","sentiment_score":-0.0008521022704931406,"num_words":26,"start":3171.735,"end":3205.3801},{"sentences":[{"text":"Okay.","start":3205.92,"end":3206.42,"sentiment":"neutral","sentiment_score":0.22378423810005188},{"text":"How what what's the benefit of doing that?","start":3207.04,"end":3209.54,"sentiment":"positive","sentiment_score":0.3636639975011349},{"text":"Yeah.","start":3214.0,"end":3214.5,"sentiment":"neutral","sentiment_score":0.15245585143566132},{"text":"Right.","start":3222.825,"end":3223.1448,"sentiment":"neutral","sentiment_score":0.15967777371406555},{"text":"Okay.","start":3223.1448,"end":3223.6448,"sentiment":"neutral","sentiment_score":0.17616046965122223}],"sentiment":"neutral","sentiment_score":0.30178252607584,"num_words":12,"start":3205.92,"end":3223.6448},{"sentences":[{"text":"Alright.","start":3224.025,"end":3224.525,"sentiment":"neutral","sentiment_score":0.23411081731319427},{"text":"Yeah.","start":3233.04,"end":3233.54,"sentiment":"neutral","sentiment_score":0.1150221899151802},{"text":"Yeah.","start":3240.32,"end":3240.82,"sentiment":"neutral","sentiment_score":0.06364037096500397},{"text":"Okay.","start":3241.6,"end":3242.1,"sentiment":"neutral","sentiment_score":0.08551185578107834},{"text":"Quick question for you so you can think.","start":3242.4001,"end":3245.265,"sentiment":"neutral","sentiment_score":0.06819434929639101}],"sentiment":"neutral","sentiment_score":0.08698666902879874,"num_words":12,"start":3224.025,"end":3245.265},{"sentences":[{"text":"I've got I've got about a 150 k sitting in my offset account, right, for my Croeseness property at the moment.","start":3245.505,"end":3254.6448,"sentiment":"neutral","sentiment_score":0.042747317325501216},{"text":"I I don't fully understand it, but I'm hoping you can share with me knowledge wise.","start":3257.105,"end":3262.98,"sentiment":"neutral","sentiment_score":0.08056964725255966},{"text":"Because I don't have a lot of time in terms of investing, I'm thinking I've been talking to people and they say, oh, why don't you go into e ETFs?","start":3262.98,"end":3270.84,"sentiment":"neutral","sentiment_score":0.004911310070504745},{"text":"Now from that perspective, what do I need how do I utilize that to do to my advantage or get hopefully get a return out of that, Tommy?","start":3272.26,"end":3283.095,"sentiment":"neutral","sentiment_score":0.22927174983280046},{"text":"Buying ETFs.","start":3283.9548,"end":3284.935,"sentiment":"neutral","sentiment_score":0.11135362088680267}],"sentiment":"neutral","sentiment_score":0.09254086143385197,"num_words":97,"start":3245.505,"end":3284.935},{"sentences":[{"text":"How how does it work?","start":3284.9949,"end":3286.295,"sentiment":"neutral","sentiment_score":0.13366803377866746},{"text":"Yeah.","start":3289.02,"end":3289.52,"sentiment":"neutral","sentiment_score":0.11620236933231354},{"text":"Yep.","start":3295.2227,"end":3295.7227,"sentiment":"neutral","sentiment_score":0.1483268439769745},{"text":"Yep.","start":3303.185,"end":3303.685,"sentiment":"neutral","sentiment_score":0.13765428960323334},{"text":"Yep.","start":3333.2952,"end":3333.7952,"sentiment":"neutral","sentiment_score":0.025109788402915}],"sentiment":"neutral","sentiment_score":0.12173705113430817,"num_words":9,"start":3284.9949,"end":3333.7952},{"sentences":[{"text":"Yeah.","start":3381.745,"end":3382.245,"sentiment":"neutral","sentiment_score":0.08525974303483963},{"text":"Okay.","start":3389.5051,"end":3390.0051,"sentiment":"neutral","sentiment_score":0.06516359001398087},{"text":"How the how do how does the selection work or you don't?","start":3390.305,"end":3393.585,"sentiment":"neutral","sentiment_score":0.05592284149800738},{"text":"Do you just buy you just buy, like, what you said?","start":3393.585,"end":3398.0898,"sentiment":"neutral","sentiment_score":0.021909246729178863},{"text":"Just go on and how do I work out which ones that I should buy?","start":3398.0898,"end":3402.43,"sentiment":"neutral","sentiment_score":0.045146140332023306}],"sentiment":"neutral","sentiment_score":0.04349228125065565,"num_words":40,"start":3381.745,"end":3402.43},{"sentences":[{"text":"Oh, okay.","start":3405.0498,"end":3405.6099,"sentiment":"neutral","sentiment_score":0.054151829332113266},{"text":"Sorry.","start":3405.6099,"end":3406.1099,"sentiment":"neutral","sentiment_score":0.025148525834083557},{"text":"Yep.","start":3414.675,"end":3415.175,"sentiment":"neutral","sentiment_score":0.06969305127859116},{"text":"Yep.","start":3415.955,"end":3416.455,"sentiment":"neutral","sentiment_score":0.0928112119436264},{"text":"Yep.","start":3416.515,"end":3416.675,"sentiment":"neutral","sentiment_score":0.09621067345142365}],"sentiment":"neutral","sentiment_score":0.06536118686199188,"num_words":6,"start":3405.0498,"end":3416.675},{"sentences":[{"text":"Yep.","start":3416.675,"end":3417.175,"sentiment":"neutral","sentiment_score":0.10037680715322496},{"text":"Yep.","start":3422.035,"end":3422.535,"sentiment":"neutral","sentiment_score":0.14660057425498962},{"text":"Yep.","start":3423.88,"end":3424.38,"sentiment":"neutral","sentiment_score":0.10243692994117735},{"text":"Right.","start":3432.44,"end":3432.94,"sentiment":"neutral","sentiment_score":0.05128098279237747},{"text":"Yep.","start":3437.08,"end":3437.58,"sentiment":"neutral","sentiment_score":0.10461574792861938}],"sentiment":"neutral","sentiment_score":0.10106220841407776,"num_words":5,"start":3416.675,"end":3437.58},{"sentences":[{"text":"Yep.","start":3438.795,"end":3439.295,"sentiment":"neutral","sentiment_score":0.13543955981731415},{"text":"Okay.","start":3443.195,"end":3443.695,"sentiment":"neutral","sentiment_score":0.22153779864311215},{"text":"Yep.","start":3454.25,"end":3454.75,"sentiment":"neutral","sentiment_score":0.0110100656747818},{"text":"Yep.","start":3465.805,"end":3465.965,"sentiment":"neutral","sentiment_score":0.013174571096897124},{"text":"Yep.","start":3465.965,"end":3466.285,"sentiment":"neutral","sentiment_score":0.031121637672185894}],"sentiment":"neutral","sentiment_score":0.08245672658085823,"num_words":5,"start":3438.795,"end":3466.285},{"sentences":[{"text":"I I I get that.","start":3466.285,"end":3467.245,"sentiment":"neutral","sentiment_score":0.04244824722409248},{"text":"I get that.","start":3467.245,"end":3468.145,"sentiment":"neutral","sentiment_score":0.038096497456232704},{"text":"I get that.","start":3468.445,"end":3469.345,"sentiment":"neutral","sentiment_score":-0.0021283949414889016},{"text":"Yes.","start":3483.8,"end":3484.3,"sentiment":"neutral","sentiment_score":0.0417914092540741},{"text":"Okay.","start":3486.5999,"end":3487.0999,"sentiment":"neutral","sentiment_score":-0.07551389932632446}],"sentiment":"neutral","sentiment_score":0.02203254258403411,"num_words":13,"start":3466.285,"end":3487.0999},{"sentences":[{"text":"Okay.","start":3487.24,"end":3487.74,"sentiment":"neutral","sentiment_score":-0.0247291699051857},{"text":"Yep.","start":3494.645,"end":3495.145,"sentiment":"neutral","sentiment_score":-0.07221590727567673},{"text":"Right.","start":3501.125,"end":3501.625,"sentiment":"neutral","sentiment_score":-0.08721308410167694},{"text":"Right.","start":3510.91,"end":3511.41,"sentiment":"neutral","sentiment_score":-0.11710035800933838},{"text":"Yep.","start":3518.27,"end":3518.77,"sentiment":"negative","sentiment_score":-0.4061196744441986}],"sentiment":"neutral","sentiment_score":-0.14147563874721528,"num_words":5,"start":3487.24,"end":3518.77},{"sentences":[{"text":"Yep.","start":3520.655,"end":3521.155,"sentiment":"neutral","sentiment_score":-0.28750118613243103},{"text":"Okay.","start":3523.775,"end":3524.275,"sentiment":"neutral","sentiment_score":-0.0036070384085178375},{"text":"Okay.","start":3524.335,"end":3524.7349,"sentiment":"neutral","sentiment_score":0.02850637212395668},{"text":"So cash is probably the best way to do it at the moment on the safer side.","start":3524.7349,"end":3530.095,"sentiment":"neutral","sentiment_score":0.09068837674225078},{"text":"Yeah?","start":3530.095,"end":3530.595,"sentiment":"neutral","sentiment_score":0.061416372656822205}],"sentiment":"neutral","sentiment_score":0.06383413927895683,"num_words":21,"start":3520.655,"end":3530.595},{"sentences":[{"text":"Right.","start":3556.645,"end":3557.145,"sentiment":"neutral","sentiment_score":0.015420470386743546},{"text":"Okay.","start":3558.5999,"end":3559.0999,"sentiment":"neutral","sentiment_score":0.0338624007999897},{"text":"Understood.","start":3564.1199,"end":3564.6199,"sentiment":"neutral","sentiment_score":-0.09609698504209518},{"text":"Okay.","start":3564.8398,"end":3565.3398,"sentiment":"neutral","sentiment_score":-0.03314537927508354},{"text":"Alright.","start":3568.2,"end":3568.7,"sentiment":"neutral","sentiment_score":-0.02977566421031952}],"sentiment":"neutral","sentiment_score":-0.021947031468153,"num_words":5,"start":3556.645,"end":3568.7},{"sentences":[{"text":"Yeah.","start":3570.44,"end":3570.76,"sentiment":"neutral","sentiment_score":-0.095055989921093},{"text":"I know the market's very sort of unknown at the moment.","start":3570.76,"end":3574.465,"sentiment":"neutral","sentiment_score":-0.31294547427784314},{"text":"It's all over the shop.","start":3574.465,"end":3575.925,"sentiment":"neutral","sentiment_score":-0.2970603585243225},{"text":"And, you know, I I don't think we've we've faced the world economy or the world the global side of things the way we are seeing the world at the moment.","start":3576.2651,"end":3585.205,"sentiment":"neutral","sentiment_score":-0.2986760264442813},{"text":"And and you've got you've got a rep you've got an erratic leader sitting, you know, in in The US and what's happening with Ukraine and everything else in The Middle East.","start":3586.76,"end":3598.2,"sentiment":"neutral","sentiment_score":-0.2673023589886725}],"sentiment":"neutral","sentiment_score":-0.28544237883761525,"num_words":80,"start":3570.44,"end":3598.2},{"sentences":[{"text":"It's just all over the shop, and we haven't seen that, you know, we haven't seen that sustained environment for I don't think we've ever had.","start":3598.2,"end":3606.695,"sentiment":"neutral","sentiment_score":-0.32322545922719514},{"text":"Right?","start":3606.695,"end":3606.935,"sentiment":"neutral","sentiment_score":-0.19223374128341675},{"text":"You've always had one or the other, but it just seemed just all thrown in at the one time at the moment.","start":3606.935,"end":3612.715,"sentiment":"neutral","sentiment_score":-0.30446334792809054},{"text":"Yep.","start":3615.51,"end":3616.01,"sentiment":"negative","sentiment_score":-0.4063834547996521},{"text":"Yeah.","start":3618.79,"end":3619.29,"sentiment":"neutral","sentiment_score":-0.11375053972005844}],"sentiment":"neutral","sentiment_score":-0.3100867319632979,"num_words":51,"start":3598.2,"end":3619.29},{"sentences":[{"text":"Yeah.","start":3622.31,"end":3622.6301,"sentiment":"neutral","sentiment_score":-0.0065235719084739685},{"text":"Okay.","start":3622.6301,"end":3623.1301,"sentiment":"neutral","sentiment_score":0.011639248579740524},{"text":"I think you sort of kinda answered my question.","start":3623.4302,"end":3625.59,"sentiment":"neutral","sentiment_score":-0.01610766454703278},{"text":"It's given given the time frame I've got, the risk is just not worth it other than dropping it in, like, cash or something and knowing I'm gonna get my 6%.","start":3625.59,"end":3634.325,"sentiment":"negative","sentiment_score":-0.4358123526457817},{"text":"Just give me a sec.","start":3643.8901,"end":3645.27,"sentiment":"neutral","sentiment_score":-0.02179243043065071}],"sentiment":"neutral","sentiment_score":-0.29274464656222376,"num_words":47,"start":3622.31,"end":3645.27},{"sentences":[{"text":"5.89, I think it is.","start":3645.57,"end":3647.75,"sentiment":"neutral","sentiment_score":-0.011696578282862902},{"text":"5.89.","start":3648.93,"end":3649.81,"sentiment":"neutral","sentiment_score":-0.00399390235543251},{"text":"But I'll just tell you exactly.","start":3649.81,"end":3651.41,"sentiment":"neutral","sentiment_score":-0.02813398465514183},{"text":"Just give me a second.","start":3651.41,"end":3652.47,"sentiment":"neutral","sentiment_score":-0.012377312779426575},{"text":"Let me I I I know I did that through Bendigo Bendigo Bank.","start":3656.115,"end":3662.615,"sentiment":"neutral","sentiment_score":-0.12302219523833348}],"sentiment":"neutral","sentiment_score":-0.0630818601232022,"num_words":30,"start":3645.57,"end":3662.615},{"sentences":[{"text":"And they and they've got bloody Apple all over them at the moment.","start":3666.835,"end":3670.135,"sentiment":"negative","sentiment_score":-0.5024601358633775},{"text":"We and and and I'm not gonna lie, but it's public knowledge about my organization.","start":3684.085,"end":3687.7852,"sentiment":"neutral","sentiment_score":-0.26755357881387076},{"text":"Aper has also issued a letter on us on our engine for incorrect incorrect reporting.","start":3688.725,"end":3699.6,"sentiment":"negative","sentiment_score":-0.4237695515155792},{"text":"Yeah.","start":3718.265,"end":3718.765,"sentiment":"neutral","sentiment_score":-0.02773706614971161},{"text":"And can I just let me have a look?","start":3722.28,"end":3724.4602,"sentiment":"neutral","sentiment_score":-0.0052320825763874585}],"sentiment":"neutral","sentiment_score":-0.3203142364245822,"num_words":53,"start":3666.835,"end":3724.4602},{"sentences":[{"text":"I've got two loans.","start":3730.6802,"end":3731.9802,"sentiment":"neutral","sentiment_score":-0.015653587877750397},{"text":"Okay.","start":3732.28,"end":3732.78,"sentiment":"neutral","sentiment_score":-0.008103752508759499},{"text":"Where's this one?","start":3735.335,"end":3736.135,"sentiment":"neutral","sentiment_score":-0.030133795614043873},{"text":"No.","start":3736.135,"end":3736.4548,"sentiment":"neutral","sentiment_score":-0.18458259105682373},{"text":"That's not the one.","start":3736.4548,"end":3737.335,"sentiment":"neutral","sentiment_score":-0.19880319386720657}],"sentiment":"neutral","sentiment_score":-0.08776268133750328,"num_words":13,"start":3730.6802,"end":3737.335},{"sentences":[{"text":"That's not the one.","start":3737.335,"end":3738.375,"sentiment":"neutral","sentiment_score":-0.17791029810905457},{"text":"Offset.","start":3738.375,"end":3738.855,"sentiment":"neutral","sentiment_score":-0.06293371319770813},{"text":"Let's see.","start":3738.855,"end":3739.4148,"sentiment":"neutral","sentiment_score":-0.03071252815425396},{"text":"Offset.","start":3739.4148,"end":3739.895,"sentiment":"neutral","sentiment_score":-0.028749223798513412},{"text":"The mortgage is okay.","start":3739.895,"end":3741.015,"sentiment":"neutral","sentiment_score":-0.018756775185465813}],"sentiment":"neutral","sentiment_score":-0.07831469054023425,"num_words":12,"start":3737.335,"end":3741.015},{"sentences":[{"text":"The b one, the 259.","start":3741.015,"end":3742.9548,"sentiment":"neutral","sentiment_score":-0.015745208971202372},{"text":"Interest.","start":3751.6602,"end":3752.1602,"sentiment":"neutral","sentiment_score":-0.02775418758392334},{"text":"Where am I going?","start":3752.3801,"end":3753.52,"sentiment":"neutral","sentiment_score":-0.05097374692559242},{"text":"Why am I not seeing account account account.","start":3754.62,"end":3760.1602,"sentiment":"neutral","sentiment_score":-0.17593229748308659},{"text":"How do I upcoming details?","start":3762.3801,"end":3764.1602,"sentiment":"neutral","sentiment_score":-0.043012022599577905}],"sentiment":"neutral","sentiment_score":-0.084038857087169,"num_words":23,"start":3741.015,"end":3764.1602},{"sentences":[{"text":"Okay.","start":3766.695,"end":3767.195,"sentiment":"neutral","sentiment_score":0.006043275818228722},{"text":"So there's two loans, one loan.","start":3767.2551,"end":3769.995,"sentiment":"neutral","sentiment_score":0.0039158896543085575},{"text":"This is the one the main loan.","start":3770.215,"end":3771.975,"sentiment":"neutral","sentiment_score":0.01566869259944984},{"text":"This has got a balance of $258,616.97.","start":3771.975,"end":3781.195,"sentiment":"neutral","sentiment_score":0.00709624116175941},{"text":"The interest rate on that is variable, and it's 5.89.","start":3781.9102,"end":3786.97,"sentiment":"neutral","sentiment_score":0.009165860782377421}],"sentiment":"neutral","sentiment_score":0.009050056706332871,"num_words":31,"start":3766.695,"end":3786.97},{"sentences":[{"text":"And that's for thirty years.","start":3789.1902,"end":3790.7102,"sentiment":"neutral","sentiment_score":0.013922960311174393},{"text":"I've got three hundred and fifty five months remaining.","start":3790.7102,"end":3793.29,"sentiment":"neutral","sentiment_score":-0.001853705073396365},{"text":"There is a second yeah.","start":3794.55,"end":3797.3948,"sentiment":"neutral","sentiment_score":0.009810794889926911},{"text":"Yeah.","start":3797.3948,"end":3797.7148,"sentiment":"neutral","sentiment_score":0.04038167744874954},{"text":"You've got all the details.","start":3797.7148,"end":3798.9148,"sentiment":"neutral","sentiment_score":0.042888793349266055}],"sentiment":"neutral","sentiment_score":0.014272442981600762,"num_words":25,"start":3789.1902,"end":3798.9148},{"sentences":[{"text":"Right?","start":3798.9148,"end":3799.4148,"sentiment":"neutral","sentiment_score":0.03761937469244003},{"text":"And then there's a second loan.","start":3801.875,"end":3803.6548,"sentiment":"neutral","sentiment_score":0.0014019724136839307},{"text":"There there's a second loan that has a balance of a $105,172.68, and that has an interest rate of that that was for a full amount of $222,222 exact, and I still have a 100 I still have a 100 odd thousand credit.","start":3803.9548,"end":3832.275,"sentiment":"neutral","sentiment_score":0.04837829041359729},{"text":"The intent of using that was to buy a second property, the deposit for that?","start":3833.695,"end":3837.795,"sentiment":"neutral","sentiment_score":0.037344123050570485},{"text":"Okay.","start":3839.6501,"end":3840.05,"sentiment":"neutral","sentiment_score":0.036431051790714264}],"sentiment":"neutral","sentiment_score":0.04125591809861362,"num_words":66,"start":3798.9148,"end":3840.05},{"sentences":[{"text":"And the rate on this one is 6.28.","start":3840.05,"end":3843.51,"sentiment":"neutral","sentiment_score":0.006611490447539836},{"text":"That's I think that's I think that's interest only.","start":3847.8901,"end":3852.31,"sentiment":"neutral","sentiment_score":-0.05762458509869046},{"text":"It's variable, but I think it's interest only.","start":3853.005,"end":3855.265,"sentiment":"neutral","sentiment_score":-0.05973006784915924},{"text":"Doesn't how do I work?","start":3861.4849,"end":3862.9248,"sentiment":"neutral","sentiment_score":-0.11950110495090485},{"text":"Yeah.","start":3862.9248,"end":3863.4248,"sentiment":"neutral","sentiment_score":-0.01535035390406847}],"sentiment":"neutral","sentiment_score":-0.050207282701927806,"num_words":31,"start":3840.05,"end":3863.4248},{"sentences":[{"text":"Yeah.","start":3865.02,"end":3865.18,"sentiment":"neutral","sentiment_score":-0.007429403252899647},{"text":"It's variable.","start":3865.18,"end":3866.0,"sentiment":"neutral","sentiment_score":-0.034740712493658066},{"text":"Interest on I think it's interest only on that one.","start":3866.46,"end":3869.2,"sentiment":"neutral","sentiment_score":-0.06512746214866638},{"text":"K.","start":3873.1,"end":3873.6,"sentiment":"neutral","sentiment_score":0.03984731435775757},{"text":"Yeah.","start":3874.06,"end":3874.56,"sentiment":"neutral","sentiment_score":0.1408395767211914}],"sentiment":"neutral","sentiment_score":-0.03649990390986204,"num_words":15,"start":3865.02,"end":3874.56},{"sentences":[{"text":"Yep.","start":3879.245,"end":3879.745,"sentiment":"neutral","sentiment_score":0.0750594213604927},{"text":"Yep.","start":3879.8052,"end":3880.2852,"sentiment":"neutral","sentiment_score":0.08218039572238922},{"text":"Same same amount of months.","start":3880.2852,"end":3881.905,"sentiment":"neutral","sentiment_score":0.14490616023540498},{"text":"It was all done around the same time.","start":3881.965,"end":3883.8252,"sentiment":"neutral","sentiment_score":0.11272248160094023},{"text":"Too attractive to pass up to 6%.","start":3898.49,"end":3900.5698,"sentiment":"negative","sentiment_score":-0.5079672847475324}],"sentiment":"neutral","sentiment_score":-0.08055547828024084,"num_words":22,"start":3879.245,"end":3900.5698},{"sentences":[{"text":"Okay.","start":3900.5698,"end":3900.97,"sentiment":"neutral","sentiment_score":-0.04749409854412079},{"text":"Alright.","start":3900.97,"end":3901.47,"sentiment":"neutral","sentiment_score":0.002112900372594595},{"text":"Because once I get once I get rid of the once I get rid of that the Crow's Nest property, alright, I think that the $2.01 the 200 odd thousand will go.","start":3901.69,"end":3914.2449,"sentiment":"neutral","sentiment_score":-0.018420768668875098},{"text":"Right?","start":3915.425,"end":3915.925,"sentiment":"neutral","sentiment_score":0.02942313440144062},{"text":"And just depends on what my broker says about the remaining the 200 and triple 2, the triple 2 triple 2 additional loan, which which has well, which has a 105,000 debit on it or whatever it is.","start":3916.225,"end":3932.92,"sentiment":"neutral","sentiment_score":0.0007438868480293376}],"sentiment":"neutral","sentiment_score":-0.007906232341766765,"num_words":73,"start":3900.5698,"end":3932.92},{"sentences":[{"text":"Yeah.","start":3938.675,"end":3938.995,"sentiment":"neutral","sentiment_score":0.028283240273594856},{"text":"And the remaining the remaining is in credit.","start":3938.995,"end":3941.2551,"sentiment":"neutral","sentiment_score":-0.10311420680955052},{"text":"So I don't know what's the best way to do that.","start":3942.0352,"end":3944.355,"sentiment":"neutral","sentiment_score":-0.20380391315980392},{"text":"He might tell me to off to get rid of it all.","start":3944.355,"end":3946.935,"sentiment":"neutral","sentiment_score":-0.25510694334904355},{"text":"I don't know.","start":3947.235,"end":3947.97,"sentiment":"neutral","sentiment_score":-0.19445723295211792}],"sentiment":"neutral","sentiment_score":-0.1909465279430151,"num_words":35,"start":3938.675,"end":3947.97},{"sentences":[{"text":"So what do you mean?","start":3964.0452,"end":3965.965,"sentiment":"neutral","sentiment_score":-0.1148212268948555},{"text":"Tell me what do you mean?","start":3965.965,"end":3967.0051,"sentiment":"neutral","sentiment_score":-0.12445042158166568},{"text":"Tell me what do you mean?","start":3967.0051,"end":3968.225,"sentiment":"neutral","sentiment_score":-0.11287284890810649},{"text":"K.","start":3978.125,"end":3978.625,"sentiment":"neutral","sentiment_score":-0.07260258495807648},{"text":"Alright.","start":3978.98,"end":3979.48,"sentiment":"neutral","sentiment_score":-0.07276862114667892}],"sentiment":"neutral","sentiment_score":-0.11281141913250874,"num_words":19,"start":3964.0452,"end":3979.48},{"sentences":[{"text":"It's unlikely.","start":3979.94,"end":3980.8398,"sentiment":"negative","sentiment_score":-0.5760648250579834},{"text":"It's unlikely because for me to move into my PPR.","start":3980.98,"end":3985.48,"sentiment":"negative","sentiment_score":-0.545498389005661},{"text":"So I'm looking at maybe at best getting $7.30, seven forty.","start":3986.5,"end":3992.28,"sentiment":"neutral","sentiment_score":-0.202704364603216},{"text":"That will clear that will clear my debt, but then I still have to borrow money to buy the PPR.","start":3993.015,"end":3999.595,"sentiment":"neutral","sentiment_score":-0.30677474960684775},{"text":"Alright?","start":4002.295,"end":4002.795,"sentiment":"neutral","sentiment_score":0.03780481964349747}],"sentiment":"negative","sentiment_score":-0.33942163007503207,"num_words":44,"start":3979.94,"end":4002.795},{"sentences":[{"text":"So at the moment, the the suggested number I should be looking at is about $8.50, but unless I buy a one bedroom yeah.","start":4003.255,"end":4012.03,"sentiment":"neutral","sentiment_score":0.014458050796141228},{"text":"$8.50 to $9.50.","start":4012.03,"end":4013.57,"sentiment":"neutral","sentiment_score":0.023626841604709625},{"text":"That's what I'm looking at.","start":4013.87,"end":4015.41,"sentiment":"neutral","sentiment_score":0.06276629343628884},{"text":"So that that that will probably bring me up to be at the $506,100,000 dollar mark.","start":4016.91,"end":4022.43,"sentiment":"neutral","sentiment_score":0.10146716795861721},{"text":"Right?","start":4022.43,"end":4022.93,"sentiment":"neutral","sentiment_score":0.08144096285104752}],"sentiment":"neutral","sentiment_score":0.04972695635289562,"num_words":49,"start":4003.255,"end":4022.93},{"sentences":[{"text":"That was said.","start":4030.065,"end":4031.2048,"sentiment":"neutral","sentiment_score":0.14465333769718805},{"text":"She she was yeah.","start":4032.545,"end":4035.265,"sentiment":"neutral","sentiment_score":-0.011033842340111732},{"text":"She was calculating it working on 7% borrowing.","start":4035.265,"end":4038.9648,"sentiment":"neutral","sentiment_score":0.020983154186978936},{"text":"Okay.","start":4046.1501,"end":4046.6501,"sentiment":"neutral","sentiment_score":0.05650860443711281},{"text":"Okay.","start":4047.11,"end":4047.61,"sentiment":"neutral","sentiment_score":0.049921512603759766}],"sentiment":"neutral","sentiment_score":0.03906588201575419,"num_words":17,"start":4030.065,"end":4047.61},{"sentences":[{"text":"Yep.","start":4055.015,"end":4055.335,"sentiment":"neutral","sentiment_score":0.067110076546669},{"text":"Okay.","start":4055.335,"end":4055.835,"sentiment":"neutral","sentiment_score":0.08549432456493378},{"text":"Alright.","start":4078.24,"end":4078.74,"sentiment":"neutral","sentiment_score":0.030722489580512047},{"text":"So so suggestion, let me run this by myself for the moment.","start":4078.88,"end":4083.435,"sentiment":"neutral","sentiment_score":0.01801834472765525},{"text":"Focus on getting rid of that Croeseness property as as mentioned.","start":4084.855,"end":4088.875,"sentiment":"neutral","sentiment_score":-0.07862768999554894}],"sentiment":"neutral","sentiment_score":-0.017898367789502326,"num_words":26,"start":4055.015,"end":4088.875},{"sentences":[{"text":"Right?","start":4089.575,"end":4090.075,"sentiment":"neutral","sentiment_score":-0.006314318627119064},{"text":"I'll get rid of that.","start":4090.455,"end":4091.755,"sentiment":"neutral","sentiment_score":-0.1363653525710106},{"text":"And then whatever I get out of that, clear the clear the obviously, the loan has to be cleared.","start":4092.295,"end":4097.93,"sentiment":"neutral","sentiment_score":-0.12399402986231603},{"text":"And then the intent is to buy the PPR roundabout the same time as well.","start":4098.79,"end":4103.35,"sentiment":"neutral","sentiment_score":0.05120535815755526},{"text":"I'm not leaving it too long.","start":4103.35,"end":4104.81,"sentiment":"neutral","sentiment_score":-0.2059470365444819}],"sentiment":"neutral","sentiment_score":-0.07633977164716824,"num_words":46,"start":4089.575,"end":4104.81},{"sentences":[{"text":"She said she'd like me to get into a PPR within the six six months if I can.","start":4104.95,"end":4109.5303,"sentiment":"neutral","sentiment_score":0.05994947058045202},{"text":"Okay.","start":4113.1353,"end":4113.6353,"sentiment":"positive","sentiment_score":0.3584238886833191},{"text":"Alright.","start":4113.6953,"end":4114.1953,"sentiment":"positive","sentiment_score":0.4325021505355835},{"text":"It's a plan plan of way forward.","start":4114.6553,"end":4116.835,"sentiment":"positive","sentiment_score":0.5003803542682103},{"text":"It's yeah.","start":4135.725,"end":4140.4653,"sentiment":"neutral","sentiment_score":0.20665539801120758}],"sentiment":"neutral","sentiment_score":0.1995168891574802,"num_words":29,"start":4104.95,"end":4140.4653},{"sentences":[{"text":"The the thing, Tommy, was the emotional part of me wanted to hang on to those properties because I wanted to build up a portfolio of properties.","start":4141.245,"end":4149.185,"sentiment":"neutral","sentiment_score":0.013427217111543373},{"text":"Now because I couldn't do the numbers, I'm not an accountant, I thought it was possible.","start":4150.365,"end":4156.07,"sentiment":"neutral","sentiment_score":-0.08036604151129723},{"text":"But then she walked me through the numbers and it wasn't it was just basically having the noose around my neck and given the time frame.","start":4156.07,"end":4163.11,"sentiment":"neutral","sentiment_score":-0.13186156291228074},{"text":"If I had ten years, that's a different story, but I don't have ten years.","start":4163.11,"end":4167.435,"sentiment":"neutral","sentiment_score":-0.15422853231430053},{"text":"And that's the reality of it because she said, look.","start":4168.615,"end":4170.6953,"sentiment":"neutral","sentiment_score":-0.11080293580889702}],"sentiment":"neutral","sentiment_score":-0.08269340192225386,"num_words":94,"start":4141.245,"end":4170.6953},{"sentences":[{"text":"You don't wanna be in that position because use the opportunity you got for this next three years to borrow because once you go into retirement, she was working, then I'll be working part time in three years.","start":4170.6953,"end":4181.36,"sentiment":"neutral","sentiment_score":-0.0957990812235757},{"text":"I mean, obviously, I wanna keep working, but I don't know what the circumstances will be, and I just gotta work on the worst case scenario.","start":4181.36,"end":4188.0,"sentiment":"neutral","sentiment_score":-0.1314599936684737},{"text":"Now if I'm still working in three years, that's a different story.","start":4188.0,"end":4191.62,"sentiment":"neutral","sentiment_score":-0.13240241756041846},{"text":"Yeah?","start":4193.665,"end":4194.165,"sentiment":"neutral","sentiment_score":-0.02475688047707081},{"text":"Yeah.","start":4204.625,"end":4205.125,"sentiment":"neutral","sentiment_score":0.013081220909953116}],"sentiment":"neutral","sentiment_score":-0.11101063579702988,"num_words":78,"start":4170.6953,"end":4205.125},{"sentences":[{"text":"Yeah.","start":4209.6,"end":4210.0,"sentiment":"neutral","sentiment_score":0.01156751997768879},{"text":"Yeah.","start":4210.0,"end":4210.5,"sentiment":"neutral","sentiment_score":0.029608938843011856},{"text":"Yeah.","start":4217.36,"end":4217.44,"sentiment":"neutral","sentiment_score":-0.027115456759929657},{"text":"Yeah.","start":4217.44,"end":4217.94,"sentiment":"neutral","sentiment_score":-0.010761172510683537},{"text":"Yeah.","start":4220.0,"end":4220.5,"sentiment":"neutral","sentiment_score":0.04657403007149696}],"sentiment":"neutral","sentiment_score":0.009974771924316882,"num_words":5,"start":4209.6,"end":4220.5},{"sentences":[{"text":"Yep.","start":4225.6553,"end":4226.1553,"sentiment":"neutral","sentiment_score":0.13332153856754303},{"text":"Yep.","start":4226.2153,"end":4226.7153,"sentiment":"neutral","sentiment_score":0.10246353596448898},{"text":"Yep.","start":4230.855,"end":4231.355,"sentiment":"neutral","sentiment_score":0.14762361347675323},{"text":"Yep.","start":4231.7354,"end":4232.2354,"sentiment":"neutral","sentiment_score":0.11024560779333116},{"text":"Okay.","start":4232.935,"end":4233.435,"sentiment":"neutral","sentiment_score":0.22746098041534424}],"sentiment":"neutral","sentiment_score":0.14422305524349213,"num_words":5,"start":4225.6553,"end":4233.435},{"sentences":[{"text":"Sounds good.","start":4233.575,"end":4234.475,"sentiment":"positive","sentiment_score":0.35794003307819366},{"text":"Alright.","start":4235.58,"end":4236.08,"sentiment":"neutral","sentiment_score":0.2674649953842163},{"text":"We got a plan then.","start":4237.34,"end":4238.7197,"sentiment":"neutral","sentiment_score":0.1767067551612854},{"text":"Yep.","start":4251.5747,"end":4252.0747,"sentiment":"neutral","sentiment_score":0.01174778025597334},{"text":"Well well, I'll be guided by you because basically the the the strategist said, look, you've got she was speaking more from a logical perspective.","start":4256.215,"end":4271.27,"sentiment":"neutral","sentiment_score":0.027315468024462462}],"sentiment":"neutral","sentiment_score":0.07533862700631075,"num_words":34,"start":4233.575,"end":4271.27},{"sentences":[{"text":"I think it was just saying you've got two salary continuance.","start":4271.27,"end":4273.61,"sentiment":"neutral","sentiment_score":0.0039052889915183187},{"text":"Is it one you could offload?","start":4274.23,"end":4275.69,"sentiment":"neutral","sentiment_score":-0.0023206383921205997},{"text":"Right?","start":4276.63,"end":4277.13,"sentiment":"neutral","sentiment_score":0.010333050973713398},{"text":"So so, I mean, the logic says why have two?","start":4277.67,"end":4280.355,"sentiment":"neutral","sentiment_score":-0.0007803531363606451},{"text":"You you only need one.","start":4280.675,"end":4282.035,"sentiment":"neutral","sentiment_score":-0.002419102191925049}],"sentiment":"neutral","sentiment_score":0.0005899502183169578,"num_words":33,"start":4271.27,"end":4282.035},{"sentences":[{"text":"Right?","start":4282.035,"end":4282.275,"sentiment":"neutral","sentiment_score":0.023663364350795742},{"text":"But she wanted the professional opinion to be cast over it, which is yourself.","start":4282.275,"end":4287.655,"sentiment":"neutral","sentiment_score":0.009942448298845972},{"text":"Yeah.","start":4292.515,"end":4293.015,"sentiment":"neutral","sentiment_score":0.027996530756354332},{"text":"Yeah.","start":4298.12,"end":4298.62,"sentiment":"neutral","sentiment_score":0.010576235130429268},{"text":"Yeah.","start":4306.6,"end":4306.9204,"sentiment":"neutral","sentiment_score":0.017210960388183594}],"sentiment":"neutral","sentiment_score":0.012146742600533698,"num_words":18,"start":4282.035,"end":4306.9204},{"sentences":[{"text":"Yep.","start":4306.9204,"end":4307.4204,"sentiment":"neutral","sentiment_score":0.03685060888528824},{"text":"Yep.","start":4314.305,"end":4314.625,"sentiment":"neutral","sentiment_score":0.08216783404350281},{"text":"Okay.","start":4314.625,"end":4315.125,"sentiment":"neutral","sentiment_score":0.16436487436294556},{"text":"Sounds good.","start":4315.185,"end":4316.085,"sentiment":"neutral","sentiment_score":0.3149232566356659},{"text":"Yep.","start":4317.025,"end":4317.345,"sentiment":"neutral","sentiment_score":0.13073423504829407}],"sentiment":"neutral","sentiment_score":0.17399401093522707,"num_words":6,"start":4306.9204,"end":4317.345},{"sentences":[{"text":"Sounds good.","start":4317.345,"end":4318.165,"sentiment":"neutral","sentiment_score":0.28566090762615204},{"text":"Then I'll just wait till you let me know.","start":4318.225,"end":4320.325,"sentiment":"neutral","sentiment_score":0.15162431200345358},{"text":"Okay.","start":4328.64,"end":4329.14,"sentiment":"neutral","sentiment_score":0.05649115890264511},{"text":"Yep.","start":4330.4,"end":4330.9,"sentiment":"neutral","sentiment_score":0.031396955251693726},{"text":"And also while I got it, I just it just came back to my head since you said to me you were gonna talk to me about the structure fees last time.","start":4331.12,"end":4339.595,"sentiment":"neutral","sentiment_score":-0.06603360857116058}],"sentiment":"neutral","sentiment_score":-0.0019832608186536363,"num_words":45,"start":4317.345,"end":4339.595},{"sentences":[{"text":"You said because I had reached, what, 600,000 or something, the fees the fee structure changes or something?","start":4343.495,"end":4349.195,"sentiment":"neutral","sentiment_score":-0.06544122989806864},{"text":"Which means what?","start":4358.42,"end":4359.38,"sentiment":"neutral","sentiment_score":-0.029219164202610653},{"text":"Which means what?","start":4359.38,"end":4360.6,"sentiment":"neutral","sentiment_score":-0.02403710161646207},{"text":"Which means what?","start":4361.46,"end":4362.52,"sentiment":"neutral","sentiment_score":-0.019264019404848415},{"text":"Yeah.","start":4365.2646,"end":4365.505,"sentiment":"neutral","sentiment_score":0.000173117034137249}],"sentiment":"neutral","sentiment_score":-0.049833209885816486,"num_words":28,"start":4343.495,"end":4365.505},{"sentences":[{"text":"Yeah.","start":4365.505,"end":4365.7446,"sentiment":"neutral","sentiment_score":0.0065718479454517365},{"text":"We Yep.","start":4365.7446,"end":4371.2847,"sentiment":"neutral","sentiment_score":-0.02338676154613495},{"text":"Yep.","start":4373.105,"end":4373.585,"sentiment":"neutral","sentiment_score":0.012649619951844215},{"text":"Okay.","start":4373.585,"end":4374.085,"sentiment":"neutral","sentiment_score":0.04625692963600159},{"text":"Yep.","start":4380.34,"end":4380.84,"sentiment":"neutral","sentiment_score":0.06111640855669975}],"sentiment":"neutral","sentiment_score":0.013303547166287899,"num_words":6,"start":4365.505,"end":4380.84},{"sentences":[{"text":"Yeah.","start":4381.86,"end":4382.1797,"sentiment":"neutral","sentiment_score":0.025365270674228668},{"text":"Okay.","start":4382.1797,"end":4382.6797,"sentiment":"neutral","sentiment_score":0.04094181209802627},{"text":"Okay.","start":4386.0996,"end":4386.5996,"sentiment":"neutral","sentiment_score":0.2985554039478302},{"text":"Sounds good.","start":4386.7397,"end":4387.6396,"sentiment":"positive","sentiment_score":0.6556501984596252},{"text":"That can go into my earnings.","start":4387.6997,"end":4389.1597,"sentiment":"positive","sentiment_score":0.5178090433279673}],"sentiment":"positive","sentiment_score":0.43481974032792176,"num_words":11,"start":4381.86,"end":4389.1597},{"sentences":[{"text":"Can help me earn more money.","start":4389.3,"end":4390.84,"sentiment":"positive","sentiment_score":0.504438504576683},{"text":"Alright.","start":4391.4453,"end":4391.9453,"sentiment":"positive","sentiment_score":0.3825171887874603},{"text":"Yep.","start":4393.765,"end":4394.085,"sentiment":"neutral","sentiment_score":0.283718466758728},{"text":"Okay.","start":4394.085,"end":4394.585,"sentiment":"neutral","sentiment_score":0.25567686557769775},{"text":"Alright, Tommy.","start":4396.245,"end":4397.205,"sentiment":"positive","sentiment_score":0.3628794103860855}],"sentiment":"positive","sentiment_score":0.42493657903237775,"num_words":11,"start":4389.3,"end":4397.205},{"sentences":[{"text":"Thanks for your time.","start":4397.205,"end":4398.345,"sentiment":"positive","sentiment_score":0.7295363992452621},{"text":"Anything else before we close off?","start":4398.8853,"end":4400.8853,"sentiment":"neutral","sentiment_score":0.1746733970940113},{"text":"Anything else we need to no.","start":4400.8853,"end":4402.805,"sentiment":"neutral","sentiment_score":0.01801818112532298},{"text":"Okay.","start":4402.805,"end":4403.305,"sentiment":"neutral","sentiment_score":0.17830872535705566},{"text":"Same.","start":4408.1,"end":4408.34,"sentiment":"neutral","sentiment_score":0.12579120695590973}],"sentiment":"neutral","sentiment_score":0.24324416658944553,"num_words":18,"start":4397.205,"end":4408.34},{"sentences":[{"text":"Yeah.","start":4408.34,"end":4408.84,"sentiment":"neutral","sentiment_score":0.14973929524421692},{"text":"Thanks so much, man.","start":4409.86,"end":4410.9,"sentiment":"positive","sentiment_score":0.7981094568967819},{"text":"Appreciate your time.","start":4410.9,"end":4412.04,"sentiment":"positive","sentiment_score":0.7614730397860209},{"text":"You too, man.","start":4414.42,"end":4415.2197,"sentiment":"positive","sentiment_score":0.6197547117869059},{"text":"Cheers.","start":4415.2197,"end":4415.7197,"sentiment":"positive","sentiment_score":0.6654781103134155}],"sentiment":"positive","sentiment_score":0.6792782073219618,"num_words":12,"start":4408.34,"end":4415.7197},{"sentences":[{"text":"Thank you.","start":4415.78,"end":4416.52,"sentiment":"positive","sentiment_score":0.7081142067909241},{"text":"Bye.","start":4417.3,"end":4417.8,"sentiment":"neutral","sentiment_score":-0.102828286588192}],"sentiment":"positive","sentiment_score":0.4378000423312187,"num_words":3,"start":4415.78,"end":4417.8}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey. Tell me.\n\nChannel 0: James, tell me here, mate. How you been?\n\nChannel 1: I'm good. Thanks, mate. How are you?\n\nChannel 0: I'm living the dream so far. I'm a a little bit lacking on sleep at the moment. I do apologize, but otherwise, in great spirits.\n\nChannel 1: Oh,\n\nChannel 0: Great to be chatting to you today.\n\nChannel 1: good. Likewise. Likewise. Yeah. It it's just good to catch up and move things along from where we were\n\nChannel 0: Absolutely.\n\nChannel 1: last time. Couple of weeks ago, a month or two.\n\nChannel 0: Yeah. Yep. Just around the same time as the the old baby came out and everything like that. So we've\n\nChannel 1: Oh,\n\nChannel 0: got\n\nChannel 1: on that note, how's the little one?\n\nChannel 0: Josh, she's doing fantastic. She's at a point now where she's rolling over and smiling and\n\nChannel 1: Right.\n\nChannel 0: giggling and all that kind of thing, so\n\nChannel 1: Okay.\n\nChannel 0: she's keeping\n\nChannel 1: Okay.\n\nChannel 0: her brothers occupied.\n\nChannel 1: So she's in a routine now?\n\nChannel 0: Yeah. Yeah. Everything's pretty well routine and stable in terms of sleep and feeding and growing and all the rest of it. So no health concerns or anything, to be honest.\n\nChannel 1: Right. Okay. Okay. Well, that's the main thing is as as long as the little the little ones are good and good health and mom's good health and the\n\nChannel 0: Yeah.\n\nChannel 1: family's sort of moving along.\n\nChannel 0: Absolutely. Now while I've got you, James, I'm gonna pop through this email to you, and I'll just go\n\nChannel 1: Yep.\n\nChannel 0: through the usual quick security check with you.\n\nChannel 1: Yeah. All good. All good. I'm just gonna\n\nChannel 0: Could\n\nChannel 1: see.\n\nChannel 0: I just grab your date of birth and address?\n\nChannel 1: Three zero zero four six three.\n\nChannel 0: Sensational and residential\n\nChannel 1: It's\n\nChannel 0: address.\n\nChannel 1: just 20811 Victoria Street, New South Wales, Roseville 2069. Just that documents come\n\nChannel 0: Sensational.\n\nChannel 1: through now.\n\nChannel 0: Perfect. And while we're on the topic of Victoria, I believe the the election's coming up soon, isn't it?\n\nChannel 1: Yeah. October. I think October, November.\n\nChannel 0: Cool. Awesome. Alright. So\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: So\n\nChannel 0: know we're\n\nChannel 1: hopefully\n\nChannel 0: keeping our\n\nChannel 1: things\n\nChannel 0: eyes\n\nChannel 1: will\n\nChannel 0: closed\n\nChannel 1: change.\n\nChannel 0: on it.\n\nChannel 1: The signature. Sign all. And then today's date. Done. Next document.\n\nNext document.\n\nChannel 0: Yep. So those\n\nChannel 1: Right.\n\nChannel 0: two are just our updated service guides that we've got now with all the new licensing details and everything that we've updated in June June,\n\nChannel 1: Okay.\n\nChannel 0: July.\n\nChannel 1: It's loading. How's business like business wise for you guys?\n\nChannel 0: It's\n\nChannel 1: Download.\n\nChannel 0: it's going pretty great at the moment. We have our new structure that we've been doing since Christmas time with pods of teams that work very closely together, and\n\nChannel 1: Right.\n\nChannel 0: things are moving a lot faster, a lot more efficient. We are using a bit of technology at the moment with that new system that we're using. And the main holdup for us is always paperwork, trying to generate thousands of pages of paperwork. So the quicker we can do that,\n\nChannel 1: Yeah.\n\nChannel 0: the quicker\n\nChannel 1: Yeah.\n\nChannel 0: we can have the good conversations and move on and actually\n\nChannel 1: Yeah.\n\nChannel 0: get things going.\n\nChannel 1: I get it. I get it. Yeah. It's just 36707.\n\nChannel 0: That one's come through signed for me, James, so thank you for doing that. I'll\n\nChannel 1: Okay.\n\nChannel 0: pass that off to the team. And you should get an email with a signed copy of those documents as well.\n\nChannel 1: Yeah. I'm not sure. Let me quickly double check. Yep. Something's come back through.\n\nSigned request. Okay. Signed. Signed document. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Okay.\n\nChannel 0: I might just quickly update you on what I'm doing, and then\n\nChannel 1: Right.\n\nChannel 0: we can swing over to the property chat if that's okay.\n\nChannel 1: Yep. All good.\n\nChannel 0: So I have put in there for the AMZ to be doing some rollovers every six months just with the\n\nChannel 1: Right.\n\nChannel 0: high level\n\nChannel 1: Okay.\n\nChannel 0: of contributions you've got. I'll have that\n\nChannel 1: Yep.\n\nChannel 0: as a reminder for the team to move that twice per year so that\n\nChannel 1: Okay.\n\nChannel 0: will go a little bit quicker.\n\nChannel 1: Yep.\n\nChannel 0: I have dropped down your risk level to that more moderate level we were talking about from 60% to 50% growth assets.\n\nChannel 1: Yeah. Just just on just on that particular point, Tommy. Quick question. Given and and and and this is more from my my space the way I speak because I'm I'm in the risk management space. Given the way the market is at the moment, we're quite unstable, everything, and given that I've actively got only, what, three, three and a half years left for official retirement, not that\n\nChannel 0: Yeah.\n\nChannel 1: I want to, but I'm gonna be placed in that worst case scenario if it happens. With the exposure of 50%, is that too much?\n\nChannel 0: It depends on when when when when. If you stay in 50% and something major happened six months before we want to access the funds, that can be quite a delay of about twelve to eighteen months. If it happens in the next six months, you're pretty well fine.\n\nChannel 1: Okay. Do you do you think the market is too volatile given what's happened at a global global level and\n\nChannel 0: It's\n\nChannel 1: geopolitical\n\nChannel 0: actually\n\nChannel 1: risks and all that type of thing?\n\nChannel 0: yeah. I think the volatility around March was a lot more extreme than what it currently is. I see the upcoming news events to create further shocks, but I don't see anything where it's more volatile than it was a few months ago.\n\nChannel 1: So if we were to take if we were to take the last ten months or the last twelve months, how has how has the market performed in that? And I guess I'm talking around my my investment in the super space given what's been happening. I'm just trying to ascertain, am I being is my exposure too much? Is my exposure just right? Does it mean that if something happens, is the time frame I've got left for working is sufficient?\n\nBecause that's that's my fear right now. You get it, Tom? Tell me.\n\nChannel 0: Yeah. I'm with you. I'm having a look at the\n\nChannel 1: Yep.\n\nChannel 0: I usually use a bit of a peak to trough as an example for you.\n\nChannel 1: Yep.\n\nChannel 0: So you had a peak to trough drop of about 9%,\n\nChannel 1: Right. When\n\nChannel 0: which\n\nChannel 1: was the peak? When was the peak?\n\nChannel 0: January 16 to March 23 is kind of that couple of months, just\n\nChannel 1: Yep.\n\nChannel 0: over\n\nChannel 1: Yep.\n\nChannel 0: two months\n\nChannel 1: Yep.\n\nChannel 0: where it happens.\n\nChannel 1: Yep.\n\nChannel 0: Dropping it down the way we're doing would have gotten that to more around the 6% mark, which\n\nChannel 1: Right.\n\nChannel 0: is pretty good. If we experience something quite major, it could be kind of double the size, which I would then expect us to hit a little bit into the double digit space just.\n\nChannel 1: What's the likelihood of that?\n\nChannel 0: Probably about 25%, maybe a little bit less.\n\nChannel 1: Okay. So if we were if we were to look from the peak from the peak to where we are now, what's the drop? Or are we are we ahead?\n\nChannel 0: No. We're ahead now. It's had enough of a bounce back that it's into the positive.\n\nChannel 1: Okay. Yeah. Okay.\n\nChannel 0: Actually, let me just have a quick look at\n\nChannel 1: So\n\nChannel 0: some\n\nChannel 1: so just while you're at it, Tommy, if you look at it, if we take it from the January 1, what's the growth that we've had to year to date?\n\nChannel 0: It's just clear 5%.\n\nChannel 1: Okay. So so what's it now? September. October, November, December. So if we look at it, we're probably looking what's it best we're looking at?\n\nSix to 7% by year end?\n\nChannel 0: Yes. Exactly right.\n\nChannel 1: Okay. So in other words, we're a little bit worse off than we were last year.\n\nChannel 0: Correct. Which I think we had the drop down to balance\n\nChannel 1: So I think last\n\nChannel 0: towards\n\nChannel 1: yeah. Last\n\nChannel 0: the end of\n\nChannel 1: year,\n\nChannel 0: last\n\nChannel 1: we\n\nChannel 0: year.\n\nChannel 1: got nine plus percent, didn't we? Nine\n\nChannel 0: Yeah. Correct.\n\nChannel 1: yeah.\n\nChannel 0: One other thing to factor into when it comes to the volatility is as we swing you down to 60% growth assets, 50% growth assets, you're also\n\nChannel 1: Yeah.\n\nChannel 0: getting buoyed up by the income returns. So the dividends of the stocks, the term\n\nChannel 1: Yeah.\n\nChannel 0: deposit\n\nChannel 1: Yeah.\n\nChannel 0: yields, the bond yields. So that's pushed it to the point where you're looking at single digit volatility for the same period of about three to five\n\nChannel 1: Right.\n\nChannel 0: percent, but still\n\nChannel 1: Yeah.\n\nChannel 0: hitting that seven to nine average.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So that's\n\nChannel 1: Alright.\n\nChannel 0: gonna minimize it quite a bit, I think.\n\nChannel 1: Okay. What so so if we look at from the from the cash investments, how much of my holdings are sitting in cash at the moment?\n\nChannel 0: At the moment, you've got the 1.1% in the cash account, which is like a bank account alongside it, and\n\nChannel 1: Yeah.\n\nChannel 0: then you've got 10% in high interest cash. You have 15 in, like, term deposits, another\n\nChannel 1: Yeah.\n\nChannel 0: 10 in\n\nChannel 1: That's\n\nChannel 0: bonds.\n\nChannel 1: fine.\n\nChannel 0: So let's call it 10% in high cash, 25\n\nChannel 1: Fifteen twenty five\n\nChannel 0: in\n\nChannel 1: 30\n\nChannel 0: fixed\n\nChannel 1: five.\n\nChannel 0: interest.\n\nChannel 1: About 35. Yeah?\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Now we're gonna push that to around about the 50 mark in terms of mainly fixed interest and bonds.\n\nChannel 1: Yeah. Okay. Alright. Okay.\n\nChannel 0: The cash will\n\nChannel 1: Alright.\n\nChannel 0: sit at about 20.\n\nChannel 1: Okay. Okay.\n\nChannel 0: K? So those ones still four to six would be the aim for that portion. And if you can\n\nChannel 1: Yeah.\n\nChannel 0: get that kind of nine or 10 from the growth assets, that still hits you the 7% average or above.\n\nChannel 1: Yeah. Alright. Well, let's hope so given the way the market is at the man at\n\nChannel 0: I've\n\nChannel 1: the moment.\n\nChannel 0: had to do a bit of a change to one of your defensive assets. I don't know if you recall\n\nChannel 1: Yeah.\n\nChannel 0: when I talked to you about the bank hybrids.\n\nChannel 1: No. Well, you may have. I I just can't remember it. I know we talked about that you were gonna make the adjustments to be a bit more conservative. Alright.\n\nChannel 0: Yeah. It's\n\nChannel 1: But\n\nChannel 0: the only\n\nChannel 1: no.\n\nChannel 0: switch\n\nChannel 1: Okay.\n\nChannel 0: I'm doing is that\n\nChannel 1: Yeah.\n\nChannel 0: we're trimming some of the growth assets to put them in the defensive, but the bank hybrids\n\nChannel 1: Yep.\n\nChannel 0: we're\n\nChannel 1: Yep.\n\nChannel 0: switching to something a bit more inflation linked. So\n\nChannel 1: Yeah.\n\nChannel 0: if inflation stays high, you'll benefit from that as well.\n\nChannel 1: Yeah. Yep. Yep. Yeah. Oh, yeah.\n\nI think it will be for for a couple of months anyway. Because\n\nChannel 0: Yeah.\n\nChannel 1: the RBA\n\nChannel 0: And the\n\nChannel 1: is already\n\nChannel 0: government's\n\nChannel 1: talking\n\nChannel 0: phasing\n\nChannel 1: a bit.\n\nChannel 0: out these hybrids. The RBA is gonna raise interest rates again to try and curve it.\n\nChannel 1: Yeah.\n\nChannel 0: I think either way, we're gonna get some benefits from a few different spaces, which I\n\nChannel 1: Great.\n\nChannel 0: don't mean to use the buzzwords, but diversification is gonna be key for\n\nChannel 1: Yep.\n\nChannel 0: the next twelve months for you.\n\nChannel 1: Yep. Yep. Sounds sounds good. Sounds logical. Alright.\n\nOkay. Thanks for doing all that. Appreciate it.\n\nChannel 0: No. That's alright. I'll keep an eye on it as always. And, again, I'll I'll try and get some catch ups\n\nChannel 1: Yep.\n\nChannel 0: at a good interval in time, but any changes when it comes to the equity release and property for you?\n\nChannel 1: Yeah. Okay. So I've been speaking to a if you wanna call it properties property investment strategist. And I'm waiting we we had one meeting, so I'm waiting for the final. But the initial step at the moment is she's she wants me to offload my Crow's Nest property and get a print a principal place of residence.\n\nChannel 0: I like the sound of\n\nChannel 1: Okay?\n\nChannel 0: that.\n\nChannel 1: Okay. So I've engaged my my current property manager who's managing my property,\n\nChannel 0: Yep.\n\nChannel 1: and he's he's a friend. So I'm just waiting for him now to come back with his proposal.\n\nChannel 0: Yep.\n\nChannel 1: One one, I'll save a bit on on the fees because of being a friend. He said he'll look after me.\n\nChannel 0: K.\n\nChannel 1: And second thing is I've asked him to help me for a look out. So I'm looking I'm looking at a at the moment based on the numbers that that property that property strategy and I went through. She said, look. We should be looking for a property around about eight 08:50. And I said, well, this is a Sydney market.\n\nWith me pushing all the way outside of Sydney, it's gonna be a problem. So I think she said the upper limit's $9.50\n\nChannel 0: K.\n\nChannel 1: at this point in time, but that's on the basis that I can get $7,474,747.50 top end. My property manager and my friend just said, look, probably $7.40 is really ideal. We won't be pushing it. If we get $7.50, it'll be good.\n\nChannel 0: Yep.\n\nChannel 1: But I wanna move because Crows Nest at the moment, it's got a lot of development going on now because of this New South Wales state government's, you know, the TOD and all the zoning for properties being near Wales infrastructure.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So my property is an older one. It's a one bedroom. So from a market point of view, I probably have a chance to be like you said, it's ideal for the first home buyer rather than an investor. So we're gonna try and target it that way. So if we look at it, I'm probably being realistic.\n\nI'll be looking, what, 07:30, 07:40 if we can get $7.50 be ideal.\n\nChannel 0: K. Okay.\n\nChannel 1: The the whole the whole purpose of it, what is what the property strategist is trying to do is minimize the residual the residual cost I have. In other words, the debt I'll have to carry from the borrowing from from the seller property then borrowing the money to get myself into that property at\n\nChannel 0: Yeah.\n\nChannel 1: the moment. For the time being for the time being, the way she's working is she says, look. Let's look initially at holding the Melbourne property. Okay? So\n\nChannel 0: Yep.\n\nChannel 1: that that's what we're we're going to do at the moment. Right? So we'll we'll just see. I still have to have a session with herself to to to do the second part, but I need to give an update. That's what I'm planning to do.\n\nSo that's a plan. She'd like me to get rid of my property and and into a new one, you know, within the next six months because, one, I've already made the money on my existing property, the unit. She said,\n\nChannel 0: Yeah.\n\nChannel 1: look. It's not worthwhile chasing more because the longer you chase it, the longer you wait, which means the value of the buying side of it also goes up, and I'm paying more rent. So that's the plan. That's the plan.\n\nChannel 0: I think that's sounding pretty good because we wanted to try and end with, again, trying to get out of that negatively geared property that's been weighing you\n\nChannel 1: Yep.\n\nChannel 0: down as an anchor, get you into a place, and\n\nChannel 1: Yep.\n\nChannel 0: either maintain that one good investment or capitalize on it when it's appropriate to do so. So it's\n\nChannel 1: Yes.\n\nChannel 0: sounding like we've finally got some openings there, whereas six to twelve months ago, there wasn't much opportunity to move around, and you were kind of stuck with it.\n\nChannel 1: Yeah. It was kinda like because I just had my mind fixated on on having as many properties as I could because I just needed to I just wanted this situation being able to fund my retirement from a passive perspective.\n\nChannel 0: Yes.\n\nChannel 1: And I think I think given what's what she should be in numbers, the reality is I think it's highly unlikely at the moment. So so at best, I probably, if I can, is have one property at the moment with my own PPR. So she said, look, if you can get into your PPR now, you use one, you save on the rent you're paying, which is about 3,200. It's gonna go up again. It's gonna go up because of the rental market.\n\nSo I'm really fortunate that I'm only paying 800 at the moment, but my property manager who who looked after me, he got me into this property. He's no longer the property manager. He just\n\nChannel 0: Yeah.\n\nChannel 1: said to me, look. Just just be ready for an increase in the rent. You've had a good run. So I'm hoping it doesn't happen, but the chances are are very low that the rental the rent will stay the same. It'll definitely go up.\n\nChannel 0: Yeah.\n\nChannel 1: So when I'm paying what I'm paying $808,100 dollars at the moment. Worst case scenario, I probably might be paying $8.50, $8.60, which is another 200\n\nChannel 0: K.\n\nChannel 1: another 200 a month. But at the moment, my plan is is not get that, but I just have to bank that they'll be the case. So if I can get my own property, at least I can put that money towards the PPR.\n\nChannel 0: Yeah. Yep. And I think given what you can generate from the super, which is why we're going to the protection\n\nChannel 1: Yeah.\n\nChannel 0: route,\n\nChannel 1: Yeah.\n\nChannel 0: with the\n\nChannel 1: Yeah.\n\nChannel 0: PPR\n\nChannel 1: Yeah.\n\nChannel 0: there, that solves a lot of the cash flow issues that we were worrying about.\n\nChannel 1: Yeah. Yeah. So now that's one big positive is that, you know, I'm grateful that, you know, I hope you've been able to help me manage and grow that super fund over the last three years for me, and I'm happy about that. I don't wanna really touch my super as in leaning on it right now. I just wanted to grow as much as I can.\n\nChannel 0: Yeah.\n\nChannel 1: So that's something that I've got. But then again, you know, I'm open to any other opportunities. I know that the SMSF component of using Super to buy property now, the door has been shut on that by the government. So I I don't know what you would recommend going forward on that side. So, I mean, I'm open to to various thought patterns that you may have around the strategy on on using my super.\n\nI I don't know what you would suggest, Tommy. Or do we keep going the path we're going or do we look at opportunities to grow that super even further?\n\nChannel 0: I think this is a point in your life where if we take on any unnecessary risks, there could be a a definitely an element of regret that could come up from that. Whereas\n\nChannel 1: Right.\n\nChannel 0: I feel like you're in a position where the confidence and probability levels of hitting those goals that we're aiming for is becoming a closer certainty every month that we get closer to those dates. So\n\nChannel 1: Okay.\n\nChannel 0: you're one of those people there where if I can finish off that last period of growth without a huge loss,\n\nChannel 1: Yeah.\n\nChannel 0: then you will be in a very comfortable position where you're not gonna have to worry too much about the money side of things with the PPR and with the funds that you can tap into over time for\n\nChannel 1: Yeah.\n\nChannel 0: decades. The risk that I've got is if we go into anything hyper specific, like, for\n\nChannel 1: Okay.\n\nChannel 0: example,\n\nChannel 1: Yep.\n\nChannel 0: a commercial property with your super, that\n\nChannel 1: Yep.\n\nChannel 0: could\n\nChannel 1: Yep.\n\nChannel 0: us back. And\n\nChannel 1: Yep.\n\nChannel 0: on the flip side, I remember during COVID when defensive portfolios were not as defensive as people thought they were.\n\nChannel 1: Yes.\n\nChannel 0: So I had people who had moved from, you know, in New Zealand with a million dollars, and their defensive conservative portfolios were dropping into the double digits, and they were losing $2,300,000 at the finish line.\n\nChannel 1: Jeez. Okay. Okay.\n\nChannel 0: So not to be a bearer of fear, but my main thing is to get a seven or 9% return is quite easy to do. When the market goes up, I need to make sure that there's no significant losses in those\n\nChannel 1: Right.\n\nChannel 0: next\n\nChannel 1: Okay.\n\nChannel 0: three years.\n\nChannel 1: Okay. So just on what we've just discussed then, tell me what what are your thoughts in terms of what we're at this point and what do we do? We keep going the way we're going with your with your active management on my super and me just getting into a PPR for the time being. Is is that what you would concur with, or where have you\n\nChannel 0: A\n\nChannel 1: got\n\nChannel 0: 100\n\nChannel 1: other\n\nChannel 0: percent.\n\nChannel 1: thoughts you would like to share? Okay.\n\nChannel 0: I don't think we should do anything sort of tricky or flash outside of that. I think once we've\n\nChannel 1: Right.\n\nChannel 0: gotten you to that 750,000 coming on 800\n\nChannel 1: Yeah.\n\nChannel 0: thousand mark is we start transitioning it into something quite safe so that the capital is preserved.\n\nChannel 1: Yeah. Okay. Okay. From from a taxation perspective, is there anything you could think of? Because I've one of the other thing is, Tommy, I how would I put it?\n\nMy current tax accountant does my job. She's in Brisbane. She's up at Sanford, but I don't think she's doing a lot for me.\n\nChannel 0: Yeah.\n\nChannel 1: She prepares my tax and that's about it. Right? And and and I don't know. She's not giving me much guidance and things like that. So I really wanna find someone who, you know, a a tax account and a tax account that can help me a bit in terms of trying to maximize what I can do in the next three years given the situation I'm facing.\n\nChannel 0: Yeah. I think well, because you'll have these properties bouncing between this financial year,\n\nChannel 1: Yep.\n\nChannel 0: possibly\n\nChannel 1: So\n\nChannel 0: into next financial year, you'll have to have two two returns of as much as possible.\n\nChannel 1: Yeah. So this property that I've got, the Croes Nest one, there's no CGT on it because it's still inside that six year mark. Right? So if I offload that this year, I've still got it went it I started renting that out in 2024. So literally, I'm only two years into that six year period.\n\nSo from a CGT perspective, I've got nothing on it. I I won't be paying any CGT on it from a\n\nChannel 0: Yeah.\n\nChannel 1: six from a six g perspective. However, I I just need I I just don't know. I mean, do you guys offer an accounting practice that can help me?\n\nChannel 0: Yeah. I there's a couple of people I have in mind.\n\nChannel 1: Yeah.\n\nChannel 0: Both of the people I have in mind are good enough that off the top of their own head, they could run through a 20 conversation with you and point out things\n\nChannel 1: Right.\n\nChannel 0: to lean heavier into and\n\nChannel 1: Right.\n\nChannel 0: things to watch out for. I think it's worth at least speaking to one or both of them to see if it's a personality fit as well.\n\nChannel 1: Yep. Yep. Yep. Yep. Now\n\nChannel 0: A couple of\n\nChannel 1: I\n\nChannel 0: principles\n\nChannel 1: I've\n\nChannel 0: that I think would\n\nChannel 1: oh,\n\nChannel 0: be very good\n\nChannel 1: sorry,\n\nChannel 0: good for you.\n\nChannel 1: Tommy.\n\nChannel 0: Yeah. Go\n\nChannel 1: Sorry,\n\nChannel 0: for\n\nChannel 1: Tommy. I was just gonna say, transitioning from my existing to the new accountant,\n\nChannel 0: it.\n\nChannel 1: do I have to be involved with it or is that all done between the two parties?\n\nChannel 0: It's normally done between parties in terms of letter of engagement, then\n\nChannel 1: Yep.\n\nChannel 0: they transition information across. You bring in your information\n\nChannel 1: Yep.\n\nChannel 0: to,\n\nChannel 1: Okay.\n\nChannel 0: like, your tax return,\n\nChannel 1: Okay.\n\nChannel 0: for example.\n\nChannel 1: Yep. So any\n\nChannel 0: Yeah.\n\nChannel 1: of the historical paperwork, the new accountant, the new party will be able to access anyway. Right?\n\nChannel 0: Yeah. Well, to the very least, they could see the previous returns.\n\nChannel 1: Okay. Alright.\n\nChannel 0: So I'll give you an\n\nChannel 1: Alright.\n\nChannel 0: example. One of the people that I just went with my own,\n\nChannel 1: Yeah.\n\nChannel 0: he just hopped on and looked at my previous returns and said, you've been missing out on this, this, and this. And then I brought in all my paperwork for the properties and everything and all the investments I've been doing, and\n\nChannel 1: Yep.\n\nChannel 0: he\n\nChannel 1: Yep.\n\nChannel 0: just looked at it for about five minutes and then punched it\n\nChannel 1: Yep.\n\nChannel 0: all in and said, okay. You need to lean into these areas and\n\nChannel 1: Okay.\n\nChannel 0: asked me some very creatively worded questions, which\n\nChannel 1: Yep.\n\nChannel 0: helped me\n\nChannel 1: Okay.\n\nChannel 0: out quite\n\nChannel 1: Alright. And it's not gonna make any I mean, the tax laws are universal as in Australia. Right? It doesn't matter which state the account sits in. Yeah?\n\nChannel 0: Correct. It's all\n\nChannel 1: Okay.\n\nChannel 0: federal tax laws.\n\nChannel 1: Yeah. It's all\n\nChannel 0: Sorry.\n\nChannel 1: federal.\n\nChannel 0: There are\n\nChannel 1: Yeah.\n\nChannel 0: obviously state laws in terms of properties and stamp duties and things like that, but it's all federal. And, again, someone can look at the same situation and go quite differently with it.\n\nChannel 1: Okay. Alright. Alright. That that that'd be good because, like I said, I've I've been looking of I mean, I've had my property for two years now and and and both parties rental, and I send a lot of I send a lot of, you know, info information that she prepares my text, but she doesn't give me any guidance. And all she just prepares the thing and send it to me, and then all I know is this is what I'm getting back in terms of a credit, a rebate, and that's it.\n\nAnd then I don't know I don't she doesn't explain to me I could've got more if we did this or blah blah blah. I'm getting no guidance. And then and given that I'm I'm at I'm at the stage that I'm at, I wanna obviously maximize my situation as much as I get. Not illegally. Not illegally.\n\nBut,\n\nChannel 0: Yeah.\n\nChannel 1: you know, I wanna be able to do the right thing so I don't have to pay more than what I really have to.\n\nChannel 0: Yeah. We've got a couple years left to to benefit from\n\nChannel 1: Yeah.\n\nChannel 0: the assets that you've got. And then once\n\nChannel 1: Yeah.\n\nChannel 0: they're disposed of, you won't have those opportunities again.\n\nChannel 1: Yeah.\n\nChannel 0: And the last\n\nChannel 1: Yeah.\n\nChannel 0: thing you want to be doing is trying to go back and redo previous\n\nChannel 1: Yeah.\n\nChannel 0: tax returns.\n\nChannel 1: Yeah. Okay. Would you be able to arrange that for me in terms of speaking to speaking to parties?\n\nChannel 0: Yeah. Yeah. Do you have any currently outstanding returns, or would this be\n\nChannel 1: No.\n\nChannel 0: more for when\n\nChannel 1: Only\n\nChannel 0: we hit June?\n\nChannel 1: only for well, the only one that's due the only one that needs to be prepared for is the twenty five twenty six.\n\nChannel 0: Okay. So that still needs to be sorted.\n\nChannel 1: Hang on. 2526. Yeah. Yeah. Because I've got two May next year.\n\nThat's right.\n\nChannel 0: Yep. Okay. Give me a few days to think through, and\n\nChannel 1: Yeah.\n\nChannel 0: I will send some some emails. What I'll do is I'm gonna send you the\n\nChannel 1: Yeah.\n\nChannel 0: details\n\nChannel 1: So sorry.\n\nChannel 0: of\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: No. No. No. You'll be only sorry. It'd be the current year.\n\nThe 2526 already been done because that had to be done by by the May 31 this year. So that's been done. It's\n\nChannel 0: Okay.\n\nChannel 1: they don't is it be right? No. No. No. No.\n\nSorry. Sorry. It's a it's a 2526 that needs to be prepared for last financial year.\n\nChannel 0: Yeah. Cool. Because we're only a couple of\n\nChannel 1: Yep.\n\nChannel 0: months in to\n\nChannel 1: Yeah.\n\nChannel 0: pass those\n\nChannel 1: Yeah.\n\nChannel 0: due\n\nChannel 1: Yeah.\n\nChannel 0: dates,\n\nChannel 1: Yeah.\n\nChannel 0: and you've\n\nChannel 1: That's\n\nChannel 0: got\n\nChannel 1: right.\n\nChannel 0: quite a while.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay. To make it easier, what I'll do is I'm gonna send you the details of both. And\n\nChannel 1: Right.\n\nChannel 0: then rather than just doing an introduction like I would normally do, I would like to see how you go when you speak to them in terms of service experience, booking in, and how those conversations go. So I would like\n\nChannel 1: Yes.\n\nChannel 0: you to have both information there in case one doesn't go well.\n\nChannel 1: Yeah. Yep. Okay.\n\nChannel 0: I think one of the two would be perfect.\n\nChannel 1: So just so you you know, you've been dealing with me for for a year or two now. You have an idea of my personality, etcetera. Is there one that you say, oh, why then you should speak to this one first?\n\nChannel 0: No. It's more about availability more so because\n\nChannel 1: Right.\n\nChannel 0: most of these guys are around the Gold Coast. They do\n\nChannel 1: Right.\n\nChannel 0: service nationally as well. But\n\nChannel 1: Right.\n\nChannel 0: if they can do it via Teams, via\n\nChannel 1: Yep.\n\nChannel 0: phone, and give\n\nChannel 1: Yep.\n\nChannel 0: you that good conversation that you need, even a bit\n\nChannel 1: Yep.\n\nChannel 0: of an analysis, that would be great.\n\nChannel 1: Yep.\n\nChannel 0: Either if you were in the Gold Coast, it would be quite easy to just drive down\n\nChannel 1: Yeah.\n\nChannel 0: the road from our office and you'd be there.\n\nChannel 1: Yeah. Okay. Okay. Because at the end of the day, it doesn't bother me too much where I am as long as the communication lines are open and and we can we we we can do those comms whichever way, either over a technology product platform, voice, or or, you know, teams and that type of thing, that's fine for me as long as I can, one, visually see what they need to show me and likewise, what they need to show me they're happy to do over technology.\n\nChannel 0: Yeah.\n\nChannel 1: Alright?\n\nChannel 0: Okay.\n\nChannel 1: But I\n\nChannel 0: Let\n\nChannel 1: I just\n\nChannel 0: me\n\nChannel 1: I\n\nChannel 0: reach\n\nChannel 1: just\n\nChannel 0: out\n\nChannel 1: want\n\nChannel 0: to them, and I'll\n\nChannel 1: yeah.\n\nChannel 0: see\n\nChannel 1: Could\n\nChannel 0: who's\n\nChannel 1: you do\n\nChannel 0: got\n\nChannel 1: that?\n\nChannel 0: some availability to speak\n\nChannel 1: Yeah. If you could just give me a lead in on on to whoever as well\n\nChannel 0: to\n\nChannel 1: so they'll rather than it becoming a cold call. Yeah?\n\nChannel 0: you. Yeah. I'll do that. Alright. Just made a quick note on the file.\n\nChannel 1: While I got you, I'm moving\n\nChannel 0: Yeah.\n\nChannel 1: on to the second point now. Now\n\nChannel 0: Go for it.\n\nChannel 1: one of the things the strategist the the investment strategist are basically a financial planner. So to let you know, I'm dealing with Empower Wealth.\n\nChannel 0: Yep.\n\nChannel 1: So I'm dealing with Empower Wealth on their property side, the property investment side. And I'm dealing with one of their best investment property investment strategist there by the name of Polly Chu, c h u. You probably could look her up. Now I get on well with that because she's in a she's a counted by qualification. So we talk numbers and me coming from risk background, it makes it really better for me to talk like that because she talks in detail.\n\nAnd then and\n\nChannel 0: Good.\n\nChannel 1: I tend to I tend to prefer someone to talk in details rather than just say, oh, this is what I'm going to do, etcetera. I mean, my partner operates like that. She doesn't wanna know the details, but I do. So I've I've also I've also been riding her back in a hotel to tell her she needs to talk to you guys about her super. She doesn't\n\nChannel 0: Yeah.\n\nChannel 1: have regular meetings with you guys, which she's short on an annual basis. So she spoke to I think she spoke to, Sebi initially to get on because I I put her on I put, her onto Sebi, which I did when I first joined. So I'm trying to get her to contact you guys to at least do an annual review. She's she's five years older than I am. So I told her she needs to engage you guys and and and start, you know, being actively involved with the super.\n\nChannel 0: Especially given the risks currently, it would be nice\n\nChannel 1: Yeah.\n\nChannel 0: to be\n\nChannel 1: Yeah.\n\nChannel 0: on top of.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Market options at the moment would be\n\nChannel 1: Yeah.\n\nChannel 0: very handy.\n\nChannel 1: Yeah. So I've been riding her back to get in touch with you guys to at least do that. That's the thing. Okay. The other thing I've I've got to I'm sorry.\n\nI went sidetracked when I spoke to Polly. Polly\n\nChannel 0: Yeah.\n\nChannel 1: asked me to check. I've currently run I currently, as you know, with my work super with ANZ through my organization, I've got an insurance component on that. It's a salary continuance insurance.\n\nChannel 0: Yeah.\n\nChannel 1: On\n\nChannel 0: Correct.\n\nChannel 1: top of that on top of that, I run a retail one that's been going for twenty odd years. But now it's starting to drop off a bit in terms of my my premium. It's going down. Question is and and that that that that coverage only continues to 65. The question that she's asked me to ask you is, do I keep both or do I offload the the retail one, which is the MLC, which is now a sender?\n\nChannel 0: Do we keep it offloaded?\n\nChannel 1: Yeah. Given that I've got the salary continuance on the work super, which I pay $600 a month out of a fortnight out of my own pocket.\n\nChannel 0: Right. I'm gonna have to do a little comparison between those two, to be honest, because I\n\nChannel 1: Okay.\n\nChannel 0: know the expiry dates is going to be quite a thing.\n\nChannel 1: Yep.\n\nChannel 0: Because I'm having a look. We got the ANZ one. There's not too much coming out of the ANZ one. It's the Ascender\n\nChannel 1: In terms\n\nChannel 0: that's\n\nChannel 1: of\n\nChannel 0: probably the highest\n\nChannel 1: in terms\n\nChannel 0: premium.\n\nChannel 1: of benefits?\n\nChannel 0: Yeah. I mean, the ANZ has got the life insurance and things like that. It's got the rebate in there through the super.\n\nChannel 1: Yep.\n\nChannel 0: It's the the Ascender is probably the one of most concern. Just having to think between the two. You've got the greatest opportunity\n\nChannel 1: Yeah.\n\nChannel 0: to claim on an ascender type policy. You've got the better quality behind it. That's for sure.\n\nChannel 1: I I've claimed on it once when I had my bypass, but that was 2,005, 2,006, but I've made no further claim. They wouldn't allow me to put t b PPD on it\n\nChannel 0: Yeah.\n\nChannel 1: because of the bypass back then. They they didn't have a buyback, but they got buybacks on their policy. But the policy I got at the time didn't have buyback on it.\n\nChannel 0: And it just wiped it out.\n\nChannel 1: Oh, yeah. Yeah. When I made that claim, they paid out on they paid out a 120 k, I think, at the time, and they got wiped out.\n\nChannel 0: K. And you still got that issue with the ANZ one too where they've got the the identical amount of life and disability insurance. So a claim on those would wipe the other one out, but the premiums aren't too high for the amount that you've got too. I think we were looking to keep the running for a few more years.\n\nChannel 1: Oh, that they'll run that will run whilst I'm employed.\n\nChannel 0: Definitely.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: then\n\nChannel 0: And\n\nChannel 1: generally,\n\nChannel 0: then consolidate\n\nChannel 1: they\n\nChannel 0: it\n\nChannel 1: they\n\nChannel 0: once.\n\nChannel 1: generally give you the option. Right? Generally, they'll give you the option if you move on to continue it.\n\nChannel 0: Yeah. And I think what we were talking about was keeping it going at least for the time being, but once all the debts are cleared and the super is built up and you don't need the lump sum cover on top, you get\n\nChannel 1: Yeah.\n\nChannel 0: to a point where you've got enough funds and capital behind you that you can just hit the retirement button and not need to pay the premiums for it because you have\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: all the capital\n\nChannel 1: Yep.\n\nChannel 0: already behind you. So that would be\n\nChannel 1: Yep.\n\nChannel 0: the main thing on the ANZ one. The salary continuance, to be perfectly honest, we've only got a couple more years of the high income, the high contributions that the salary continuance is backing, and it was very, very important when you had when you've got so many properties to to worry about.\n\nChannel 1: Yeah.\n\nChannel 0: As those properties close down and as we get close to that retirement point, the salary continuance will become essentially moot moot past couple of years'\n\nChannel 1: Yes.\n\nChannel 0: time.\n\nChannel 1: So I've got two salary continuance going at the moment. Yeah?\n\nChannel 0: I\n\nChannel 1: So\n\nChannel 0: need to have\n\nChannel 1: the,\n\nChannel 0: a look because I'm\n\nChannel 1: yeah,\n\nChannel 0: not seeing\n\nChannel 1: so so\n\nChannel 0: the second one.\n\nChannel 1: the Ascender the Ascender one, which was known as MLC, that's a retail salary continuance that I acquired in '2 or I acquired in 1919 or 1999, I think. I acquired\n\nChannel 0: And it's\n\nChannel 1: that.\n\nChannel 0: carried across to the sender name change and\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: And\n\nChannel 0: that.\n\nChannel 1: and I've made one claim on that for TPD of which they paid out.\n\nChannel 0: Yeah.\n\nChannel 1: Okay? Now there is salary continuance on that. There is also salary continuance on my a n zed one, which I pay out of my my my salary.\n\nChannel 0: Gotcha. That's\n\nChannel 1: Okay.\n\nChannel 0: what I\n\nChannel 1: So\n\nChannel 0: wasn't seeing. I do apologize. I'm\n\nChannel 1: yeah.\n\nChannel 0: looking at the super statement.\n\nChannel 1: I also have a life that that the a and zed one has a life component, and it also has the salary continuance component. I'm\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: So\n\nChannel 1: trying\n\nChannel 0: you\n\nChannel 1: to\n\nChannel 0: got\n\nChannel 1: see\n\nChannel 0: that\n\nChannel 1: if\n\nChannel 0: portion\n\nChannel 1: I can switch\n\nChannel 0: coming out\n\nChannel 1: over.\n\nChannel 0: of the.\n\nChannel 1: Just give me a sec. I'll I'll switch screens to my work so I can tell you what I'm paying out of my salary continuance. What I'm paying out of my salary for the salary continuance insurance.\n\nChannel 0: Gotcha.\n\nChannel 1: Just give me a\n\nChannel 0: That'd\n\nChannel 1: sec.\n\nChannel 0: be\n\nChannel 1: But it's a group one. I don't\n\nChannel 0: great.\n\nChannel 1: have I don't have the policies. It's a group insurance.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Okay. Just give me a sec. Is the weather warm up there? It's just gone from winter straight into summer down here.\n\nChannel 0: Yeah. It was weird. Yesterday, it had the hard switch straight into\n\nChannel 1: Yeah.\n\nChannel 0: 34, and then the wind picked up to such a high degree that it went straight back down overnight.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: heard you guys\n\nChannel 0: bit all\n\nChannel 1: had\n\nChannel 0: over\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: bit\n\nChannel 0: shop.\n\nChannel 1: of you guys had power disruptions and everything up there.\n\nChannel 0: Yeah. It's the the wind seemed to knock a few things out, and it was quite quite out of nowhere. Reminds me of North Queensland for a little bit. They call Bowen, and\n\nChannel 1: Yeah.\n\nChannel 0: it did come in a twenty four hour period. And I was\n\nChannel 1: Yeah.\n\nChannel 0: just like, okay. That's a bit strange.\n\nChannel 1: Okay. So sorry. So so I've got so salary continuance. Right? Actually, my apologies.\n\nIt's more than 600. That was total. So my apologies. The salary continues. I pay $40.75 a fortnight.\n\nChannel 0: That's right.\n\nChannel 1: 4\n\nChannel 0: Yep.\n\nChannel 1: 04075.\n\nChannel 0: I'm with you. Which\n\nChannel 1: And then\n\nChannel 0: it was\n\nChannel 1: the\n\nChannel 0: $39.85 last year.\n\nChannel 1: yep. Okay.\n\nChannel 0: So it hasn't actually gone up very much, which is fantastic.\n\nChannel 1: Right.\n\nChannel 0: So that's the salary continuance paid through out of your salary at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: When you mentioned the the group policy, have they got a corporate name attached to this one?\n\nChannel 1: Oh god. I think they have\n\nChannel 0: Or at the very least, would you be able to forward that\n\nChannel 1: Yeah.\n\nChannel 0: document\n\nChannel 1: Let let me let me I I won't be able to afford because they they don't they because it's group insurance. Right? I\n\nChannel 0: to\n\nChannel 1: I don't have a copy of it. Let me let me have a dig because I\n\nChannel 0: me?\n\nChannel 1: know I did ask the question many years ago when I joined. Just give me a second. I'll see if I can find my see if I can I I got anything? My documents.\n\nChannel 0: Because if I can even find the type of name, I can look up a product disclosure statement\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah. I get\n\nChannel 0: go\n\nChannel 1: that.\n\nChannel 0: for\n\nChannel 1: Just\n\nChannel 0: that.\n\nChannel 1: give me a sec. Give me a sec. You might be in luck.\n\nChannel 0: Fantastic. I'm just having a look through some of our archives in the meantime.\n\nChannel 1: Okay. So I've oh, okay. So I've got the annual super, and they got insurance fee. So it it probably comes under the ANZ Smart Choice Super.\n\nChannel 0: Yep.\n\nChannel 1: And it's Smart Choice Super. It\n\nChannel 0: K.\n\nChannel 1: only tells me the insurance fee I paid in total. Why would I have paid why would I have paid insurance fee of 2,495?\n\nChannel 0: That would be the premium that came out of the super account for the death and TPD\n\nChannel 1: Okay.\n\nChannel 0: is about\n\nChannel 1: Yep.\n\nChannel 0: 2,500.\n\nChannel 1: They got a preservation component here. The preservation benefit of $32,831.81. What's that?\n\nChannel 0: That is the account balance. That's the actual superannuation\n\nChannel 1: Oh,\n\nChannel 0: funds\n\nChannel 1: okay. Okay.\n\nChannel 0: that have\n\nChannel 1: Alright.\n\nChannel 0: been moved across.\n\nChannel 1: I get that. Okay. Okay. Have you seen that statement? Because it shows\n\nChannel 0: Yeah.\n\nChannel 1: me the break.\n\nChannel 0: I'm looking at one now, but this is as of, sorry, June 30. Almost\n\nChannel 1: When\n\nChannel 0: identical\n\nChannel 1: did she?\n\nChannel 0: figures, yeah, this\n\nChannel 1: Yeah.\n\nChannel 0: year.\n\nChannel 1: Yeah. Okay. Okay. So it says how much super will I get? It's shocking.\n\nRight? I've been with them seven years, and I only get a 132,000 out of that.\n\nChannel 0: To be fair on them, this is because we do move the funds across. So if\n\nChannel 1: Yeah.\n\nChannel 0: all the funds\n\nChannel 1: Oh,\n\nChannel 0: are\n\nChannel 1: okay.\n\nChannel 0: in that\n\nChannel 1: Okay.\n\nChannel 0: account, it'd\n\nChannel 1: Okay.\n\nChannel 0: be a bit\n\nChannel 1: Alright.\n\nChannel 0: different.\n\nChannel 1: Alright. Okay. Okay. Here we go. Here we go.\n\nSo I've got a total disability benefit. Right? Right? A total disability. So in the event of your total and permanent disability, your sum insured is $3,084.12 and 63¢.\n\nChannel 0: Yep. So that includes the balance plus the insurance cover. It's one of those ones\n\nChannel 1: Alright.\n\nChannel 0: where they lump the two together.\n\nChannel 1: Okay. And and yeah. Okay. The sum insured. Alright.\n\nTo 865 expiry. The actually, the insurer, I said that the death benefit insurer is Zurich, Australia.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Right?\n\nChannel 0: Zurich has\n\nChannel 1: And\n\nChannel 0: merged with\n\nChannel 1: and\n\nChannel 0: one\n\nChannel 1: it's\n\nChannel 0: part,\n\nChannel 1: got a\n\nChannel 0: so they think with\n\nChannel 1: okay. So and then the benefit the benefit of $341,244.44.\n\nChannel 0: that. Child benefit. Yep. And when was that document dated? Sorry, James.\n\nChannel 1: This this one is from September last year. So let me tell you exact date. This one is the thirtieth sorry. June 30 last year.\n\nChannel 0: That's right. So every birthday anniversary, they are\n\nChannel 1: Yeah.\n\nChannel 0: trimming the cover down based\n\nChannel 1: Yep.\n\nChannel 0: on units. So that's why it's sitting at 288,000 as of this year when it was over 300,000 before. Your group name is the I n g group staff\n\nChannel 1: Yeah. Okay.\n\nChannel 0: super plan. So that gives me the type of product and account that it is\n\nChannel 1: Yep.\n\nChannel 0: and any associated benefits attached along with it.\n\nChannel 1: Okay.\n\nChannel 0: K. That's perfect.\n\nChannel 1: Is that enough for you to work off?\n\nChannel 0: Yeah. I'm gonna have a little look for the so let me just double check this because I don't wanna make a mistake here given my tired state. The salary continuance premium that's coming out of your salary, that is going to this I n g a n zed group separate to the Ascender. Correct?\n\nChannel 1: Yes. It's it's me. They're both virtually exclusive.\n\nChannel 0: Yep. K. So I need to research the salary continuance compared to the Ascender one Because these units will continue to trim down the next couple of years and, like we said, expire at 65.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And the for the Ascender one, do you have any recent certificate of currency or policy\n\nChannel 1: Yeah. Yeah. I've\n\nChannel 0: anniversary?\n\nChannel 1: got that. Yeah. Yeah. I've got that. Just give me a sec.\n\nChannel 0: If you could forward that to me, that would be amazing.\n\nChannel 1: Just give me a second. M l c. M l y have I got this? Just bear with me. I'll log I'll\n\nChannel 0: That's okay.\n\nChannel 1: log in to I'll log in to this my sender account and get that directly.\n\nChannel 0: That would be fantastic.\n\nChannel 1: Okay. Select option. Download certificate of currency. Okay. Alright.\n\nEmail. Let's see. Okay. Let me send the email to you.\n\nChannel 0: Thank you, sir.\n\nChannel 1: Tell me, what's your email address?\n\nChannel 0: Do it to mine exactly if you could. So\n\nChannel 1: Yeah.\n\nChannel 0: to,mm,y@OakviewFinancial.\n\nChannel 1: Yeah. Dot Tommy at Oakview. Financial? No no s on the end of it?\n\nChannel 0: No. Just Oakview\n\nChannel 1: Financial.\n\nChannel 0: Financial, o a k v I e w f I n a n c\n\nChannel 1: Oh, okay.\n\nChannel 0: I\n\nChannel 1: Yeah. Financial\n\nChannel 0: a\n\nChannel 1: dot com\n\nChannel 0: l. N\n\nChannel 1: dot\n\nChannel 0: dot\n\nChannel 1: a\n\nChannel 0: a\n\nChannel 1: u.\n\nChannel 0: u. Yep.\n\nChannel 1: Okay. I'll just say send Alright. It's on the way?\n\nChannel 0: I will give it a little refresh.\n\nChannel 1: Yep.\n\nChannel 0: My laptop updated this morning, and it's it is going quite slow. So I will run that as soon as I can. And, James, if you could,\n\nChannel 1: Yep.\n\nChannel 0: would you be able to forward that one to my team's inbox so it links automatically to your profile? It's usually\n\nChannel 1: So\n\nChannel 0: the safest.\n\nChannel 1: I'll have so who who does that go to? The email\n\nChannel 0: So it\n\nChannel 1: address?\n\nChannel 0: just goes to contactcontact@OakviewFinancial.com.au. It'll actually tag it to your client profile, which\n\nChannel 1: Contact at a u financial dot com dot a u. There's I'll just say\n\nChannel 0: Thank you for doing that. Really appreciate that.\n\nChannel 1: I know. Copy. Just give me a sec. I've copied you in on the email.\n\nChannel 0: Oh, fantastic. Thank you.\n\nChannel 1: Alright. So I'll let you consume that and then come back to me. What else do we need to go away? I'm just trying to think. I think that that's it.\n\nYeah? Tommy?\n\nChannel 0: Yeah. It's basically watch out for the elections, see\n\nChannel 1: Yeah.\n\nChannel 0: how you go with the PPR,\n\nChannel 1: Yeah.\n\nChannel 0: monitor the market for volatility. June, we'll talk about contributions, but in between now and then, a bit of an insurance chat as well.\n\nChannel 1: Yeah. So just just one other thing. Because of the age, I know you and I talked about this some time ago. Given I'm working full time in terms of accessing the super, I don't need to do all that, do I? For whatever benefits.\n\nChannel 0: No. No. Without the usage of the the the bring forward rules and so on for\n\nChannel 1: Yeah.\n\nChannel 0: extra contributions, there's only a need to do that if for some reason you need to access a small portion while you're working, but the main thing for you will be switching over to an account based pension when you hit 65.\n\nChannel 1: Right. Okay. Okay. How what what's the benefit of doing that?\n\nChannel 0: So, normally, whenever you have any type of pension account, the\n\nChannel 1: Yeah.\n\nChannel 0: the income that comes out is already tax free after 60, but it switches the earnings on the investments into being tax free as well.\n\nChannel 1: Right. Okay.\n\nChannel 0: So,\n\nChannel 1: Alright.\n\nChannel 0: normally, if you earn a a dividend or a capital growth inside super, it's taxed 15% instead of your normal CGT\n\nChannel 1: Yeah.\n\nChannel 0: rate. But once we get you into a pension account, the all the dividends, capital growth is all 0% tax\n\nChannel 1: Yeah.\n\nChannel 0: rate.\n\nChannel 1: Okay. Quick question for you so you can think. I've got I've got about a 150 k sitting in my offset account,\n\nChannel 0: Yeah.\n\nChannel 1: right, for\n\nChannel 0: Yep.\n\nChannel 1: my Croeseness property at the moment. I I don't fully understand it, but I'm hoping you can share with me knowledge wise. Because I don't have a lot of time in terms of investing, I'm thinking I've been talking to people and they say, oh, why don't you go into e ETFs? Now from that perspective, what do I need how do I utilize that to do to my advantage or get hopefully get a return out of that, Tommy? Buying ETFs.\n\nHow how does it work?\n\nChannel 0: So I'll give\n\nChannel 1: Yeah.\n\nChannel 0: you a quick landscape, and then I'll give you my opinion because so landscape\n\nChannel 1: Yep.\n\nChannel 0: wise, you've got normal stock brokers. You know, you can go on to Comsec trading account,\n\nChannel 1: Yep.\n\nChannel 0: nav trade account, and you can buy shares. You can buy ETFs off of there. You pay brokerage, and for that, you get a collection of shares, properties, gold, whatever it is. So for example, the ASX two hundred ETF will buy you a small portion of the top 200 companies in Australia rather than buying each one individually stock by stock. The\n\nChannel 1: Yep.\n\nChannel 0: other side of the equation is a platform such as a Hub 24, an MLC, someone who offers an investment account that's like super that can give you access to managed funds, ETFs, and stocks, but you pay fees to have this full account set up and all the investment options managed for you. So the cheapest way to do an ETF is literally go on Comsec and just buy one directly for a brokerage fee of $18.25 dollars or a small percentage. You don't necessarily need to use a full platform because we're not trying to grow 50,000 to be 500,000 over the period of ten plus years.\n\nChannel 1: Yeah.\n\nChannel 0: If it's only for a small period of time, you just buy it once off and then sell it when you decide to sell it.\n\nChannel 1: Okay. How the how do how does the selection work or you don't? Do you just buy you just buy, like, what you said? Just go on and how do I work out which ones that I should buy?\n\nChannel 0: That was my next point. So with\n\nChannel 1: Oh, okay.\n\nChannel 0: the portfolio\n\nChannel 1: Sorry.\n\nChannel 0: on Hub twenty four, for example, we utilize ETFs to construct\n\nChannel 1: Yep.\n\nChannel 0: your portfolio.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: So each one that's in there has been carefully selected to build that overall\n\nChannel 1: Yep.\n\nChannel 0: pie chart of Australian\n\nChannel 1: Yep.\n\nChannel 0: share, national shares, gold, fixed interest, and so on. And each one invest into a single type of asset, most of\n\nChannel 1: Right.\n\nChannel 0: them. So you already have, for example, physical gold, cybersecurity\n\nChannel 1: Yep.\n\nChannel 0: companies, term deposits,\n\nChannel 1: Yep.\n\nChannel 0: the 200, and so on. So those are good examples.\n\nChannel 1: Okay.\n\nChannel 0: Very low fee, very good performance. Some are quite selective. You know, cybersecurity companies as opposed to the overall Australian economy, you can\n\nChannel 1: Yep.\n\nChannel 0: get quite narrow. You can get quite broad with it. But there is one part of opinion that I do have to give you, James, which is my bias. Please take this with a grain of salt.\n\nChannel 1: Yep. Yep. I I I get that. I get that. I get\n\nChannel 0: With\n\nChannel 1: that.\n\nChannel 0: the the risks that are currently going on with the stock market and the global economies and the different countries and inflation and so on, it's quite difficult to squeeze out a double digit return out of these without a huge\n\nChannel 1: Yes.\n\nChannel 0: risk a double digit risk.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Whereas on the flip side, the bank savings rates of five creeping up to 6% and even\n\nChannel 1: Yep.\n\nChannel 0: credit funds, which are paying almost 7%, pretty much guaranteed returns. To try and get\n\nChannel 1: Right.\n\nChannel 0: an extra 2% to possibly risk half of it as opposed to just getting a guaranteed six or 7%, The equation doesn't add up for me.\n\nChannel 1: Right.\n\nChannel 0: So I would not be recommending going into an ETF to buy something that's potentially volatile to try\n\nChannel 1: Yep.\n\nChannel 0: and get an extra one or 2% that could be\n\nChannel 1: Yep.\n\nChannel 0: better gained somewhere else for no risk.\n\nChannel 1: Okay. Okay. So cash is probably the best way to do it at the moment on the safer side. Yeah?\n\nChannel 0: Yeah. The only way the only part I would go above cash is, for example, credit funds, which are kind of like fluctuating term deposit rates. They go up and down with the interest rates. Now the example of that is if Commonwealth is paying a 5.8% for a term deposit, they usually add on 1%, and they pay six\n\nChannel 1: Right.\n\nChannel 0: point eight.\n\nChannel 1: Okay.\n\nChannel 0: That's as far as I would be going for anything under three years.\n\nChannel 1: Understood. Okay.\n\nChannel 0: K.\n\nChannel 1: Alright. Yeah. I know the market's very sort of unknown at the moment. It's all over the shop. And, you know, I I don't think we've we've faced the world economy or the world the global side of things the way we are seeing the world at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: And and you've got you've got a rep you've got an erratic leader sitting, you know, in in The US and what's happening with Ukraine and everything else in The Middle East. It's just all over the shop, and we haven't seen that, you know, we haven't seen that sustained environment for I don't think we've ever had. Right? You've always had one or the other, but it just seemed just all thrown in at the one time at the moment.\n\nChannel 0: And then, Ben, it seems to also be stretching\n\nChannel 1: Yep.\n\nChannel 0: longer than it normally does.\n\nChannel 1: Yeah.\n\nChannel 0: That's my concern.\n\nChannel 1: Yeah. Okay. I think you sort of kinda answered my question. It's given given the time frame I've got, the risk is just not worth it other than dropping it in, like, cash or something and knowing I'm gonna get my 6%.\n\nChannel 0: And just quickly too, with Crowsnest, what's the the interest rate on on that one at the moment?\n\nChannel 1: Just give me a sec. 5.89, I think it is. 5.89. But I'll just tell you exactly. Just give me a second.\n\nChannel 0: Yeah. No worries at all.\n\nChannel 1: Let me I I I know I did that through Bendigo Bendigo Bank. And they and they've got bloody Apple all over them at the moment.\n\nChannel 0: Yeah. That's what we need too. There's too many sort of government takeovers causing, what do they call them, the the enforced undertakings is what we need.\n\nChannel 1: We and and and I'm not gonna lie, but it's public knowledge about my organization. Aper has also issued a letter on us on our engine for incorrect incorrect reporting.\n\nChannel 0: Yeah. Yeah. There's been I think all of the the major banks have had a few things recently with, you know, missing out on interest rates for offset accounts and so on and overcharging fees, and I think these things just tend to pop up every couple of years.\n\nChannel 1: Yeah. And can I just let me have a look? I've got two loans. Okay. Where's this one?\n\nNo. That's not the one. That's not the one. Offset. Let's see.\n\nOffset. The mortgage is okay. The b one, the 259. Interest. Where am I going?\n\nWhy am I not seeing account account account. How do I upcoming details? Okay. So there's two loans, one loan. This is the one the main loan.\n\nThis has got a balance of $258,616.97.\n\nChannel 0: Yeah.\n\nChannel 1: The interest rate on that is variable, and it's 5.89.\n\nChannel 0: 5.89.\n\nChannel 1: And that's for thirty years. I've got three hundred and fifty five months remaining.\n\nChannel 0: Yeah. That\n\nChannel 1: There\n\nChannel 0: was\n\nChannel 1: is\n\nChannel 0: from\n\nChannel 1: a\n\nChannel 0: the recent\n\nChannel 1: second yeah. Yeah. You've\n\nChannel 0: refinance.\n\nChannel 1: got all the details. Right?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: then there's\n\nChannel 0: the second\n\nChannel 1: a second\n\nChannel 0: one?\n\nChannel 1: loan. There there's a second loan that has a balance of a $105,172.68, and that has an interest rate of that that was for a full amount of $222,222 exact, and I\n\nChannel 0: Yep.\n\nChannel 1: still have a 100 I still have a 100 odd thousand credit.\n\nChannel 0: Okay.\n\nChannel 1: The intent of using that was to buy a second property, the deposit for that?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Okay. And the rate on this one is 6.28.\n\nChannel 0: And is that fixed?\n\nChannel 1: That's I think that's I think that's interest only. It's variable, but I think it's interest only.\n\nChannel 0: Gotcha.\n\nChannel 1: Doesn't how do I work? Yeah. Yeah. It's variable. Interest on I think it's interest only on that one.\n\nChannel 0: Okay. So that's why it's up another 30 basis points interest only.\n\nChannel 1: K. Yeah.\n\nChannel 0: Perfect. I'll call that thirty years as well. Would that be accurate?\n\nChannel 1: Yep. Yep. Same same amount of months. It was all done around the same time.\n\nChannel 0: Perfect. Yeah. I think for that, excuse me, that 6% guaranteed offset is just too attractive to pass up at this point.\n\nChannel 1: Too attractive to pass up to 6%. Okay. Alright. Because once I get once I get rid of the once I get rid of that the Crow's Nest property,\n\nChannel 0: Yeah.\n\nChannel 1: alright,\n\nChannel 0: Yep.\n\nChannel 1: I think that the $2.01 the 200 odd thousand will go. Right? And just depends on what my broker says about the remaining the 200 and triple 2,\n\nChannel 0: Yeah.\n\nChannel 1: the triple 2 triple 2 additional loan, which which has well, which has a 105,000 debit on it or whatever it is.\n\nChannel 0: And a pretty similar amount in credit. Yeah.\n\nChannel 1: Yeah. And the remaining the remaining is in credit. So I don't know what's the best way to do that. He might tell me to off to get rid of it all. I don't know.\n\nChannel 0: Yeah. If it comes somewhere you do just clear all debt, give me a call and I'll find some way to park it to get you a slightly higher interest rate than what the cash is paying, but\n\nChannel 1: So\n\nChannel 0: the offset's\n\nChannel 1: what do you mean? Tell me what do you mean? Tell me what\n\nChannel 0: the best\n\nChannel 1: do you mean?\n\nChannel 0: place at the moment. So if you get to a point where property sale, property purchase leaves you kind of debt free with cash burning a hole in the pocket, I will find you the higher rates\n\nChannel 1: K.\n\nChannel 0: to park\n\nChannel 1: Alright.\n\nChannel 0: it in.\n\nChannel 1: It's unlikely. It's unlikely because for me to move into my PPR. So I'm looking at maybe at best getting $7.30, seven forty. That will clear that will clear my debt, but then I still have to borrow money to buy the PPR.\n\nChannel 0: Yeah.\n\nChannel 1: Alright? So at the moment, the the suggested number I should be looking at is about $8.50, but unless I buy a one\n\nChannel 0: Upwards\n\nChannel 1: bedroom\n\nChannel 0: of $9.50.\n\nChannel 1: yeah. $8.50 to\n\nChannel 0: Yeah.\n\nChannel 1: $9.50. That's what I'm looking at.\n\nChannel 0: K.\n\nChannel 1: So that that that will probably bring me up to be at the $506,100,000 dollar mark. Right?\n\nChannel 0: Yeah. And I think at that point, as long as the interest rates stay above 5%, that's pretty\n\nChannel 1: That\n\nChannel 0: well\n\nChannel 1: was\n\nChannel 0: the best\n\nChannel 1: said.\n\nChannel 0: place for the funds.\n\nChannel 1: She\n\nChannel 0: It'll take\n\nChannel 1: she was\n\nChannel 0: a while to get it down.\n\nChannel 1: yeah. She was calculating it working on 7% borrowing.\n\nChannel 0: Yeah. Yep. Bit of leeway there.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Okay. Yeah. I think, definitely, James, keep it to the offset side of things until the PPR is cleared off.\n\nChannel 1: Yep. Okay.\n\nChannel 0: I can already keep as many sort of within the super environment, like I said, when I get you to that pension phase, everything I can invest the funds into, get the tax free earnings as well. Trying to get some taxable earnings for the next two years is not worth it. Better off to offset the loans for a guaranteed rate of return.\n\nChannel 1: Alright. So so suggestion, let me run this by myself for the moment. Focus on getting rid of that Croeseness property as as mentioned.\n\nChannel 0: Mhmm.\n\nChannel 1: Right? I'll get rid of that. And then whatever I get out of that, clear the clear the obviously, the loan has to be cleared. And then the intent is to buy the PPR roundabout the same time as well. I'm not leaving it too long.\n\nShe said she'd\n\nChannel 0: Yeah.\n\nChannel 1: like me to get into a PPR within the six six months if I can.\n\nChannel 0: That'd be ideal. Absolutely.\n\nChannel 1: Okay. Alright. It's a plan plan of way forward.\n\nChannel 0: I'm just quite glad, James, that you've got some forward momentum and movement going on now because like I said, I mentioned the word stuck before, but it felt like it was a bit of a holding pattern for a year and a bit. And I hope you feel relieved that you've got some directions to move into now that\n\nChannel 1: It's\n\nChannel 0: are improvements.\n\nChannel 1: yeah. The the thing, Tommy, was the emotional part of me wanted to hang on to those properties because I wanted to build up a portfolio of properties.\n\nChannel 0: Yeah.\n\nChannel 1: Now because I couldn't do the numbers, I'm not an accountant, I thought it was possible. But then she walked me through the numbers and it wasn't it was just basically having the noose around my neck and given the time frame. If I had ten years, that's a different story,\n\nChannel 0: Mhmm.\n\nChannel 1: but I don't have ten years. And that's the reality of it because she said, look. You don't wanna be in that position because use the opportunity you got for this next three years to borrow because once you go into retirement, she was working, then I'll be working part time in three years. I mean, obviously, I wanna keep working, but I\n\nChannel 0: Yeah.\n\nChannel 1: don't know what the circumstances will be, and I just gotta work on the worst case scenario. Now if I'm still working in three years, that's a different story. Yeah?\n\nChannel 0: Yeah. In addition to that, though, the mindset switch between the capital and the assets and the properties, you're\n\nChannel 1: Yeah.\n\nChannel 0: essentially moving into a cash flow direction where\n\nChannel 1: Yeah.\n\nChannel 0: everything that\n\nChannel 1: Yeah.\n\nChannel 0: we're doing is improving cash flow, and that's just as is getting rid of that negative cash flow weighing you down and the\n\nChannel 1: Yeah.\n\nChannel 0: dead\n\nChannel 1: Yeah.\n\nChannel 0: income in the rent and getting that\n\nChannel 1: Yeah.\n\nChannel 0: going something positive, that's going to start. That's what I mean by the positive forward direction\n\nChannel 1: Yep.\n\nChannel 0: is you're\n\nChannel 1: Yep.\n\nChannel 0: not being tied into assets that are blocking your cash flow. The river can flow again,\n\nChannel 1: Yep.\n\nChannel 0: and that's what we\n\nChannel 1: Yep.\n\nChannel 0: need.\n\nChannel 1: Okay. Sounds good. Alright.\n\nChannel 0: Cool.\n\nChannel 1: We got a plan then.\n\nChannel 0: Absolutely. In terms of the insurances, just briefly, I've got the ANZ, the Ascender, and I'm just having a look through the PDFs for the other salary continuance. Is there any kind\n\nChannel 1: Yep.\n\nChannel 0: of major decision you would like me to come back to you on in terms of disposing\n\nChannel 1: Well\n\nChannel 0: of these policies, restructuring, or keeping them?\n\nChannel 1: well, I'll be guided by you because basically the the the strategist said, look, you've got she was speaking more from a logical perspective. I think it was just saying you've got two salary continuance. Is it one you could offload?\n\nChannel 0: Yeah.\n\nChannel 1: Right? So\n\nChannel 0: Yeah.\n\nChannel 1: so, I mean, the logic says why have two? You you\n\nChannel 0: Exactly.\n\nChannel 1: only need one. Right? But she wanted the professional opinion to be cast over it, which is yourself.\n\nChannel 0: And I think that's the main thing I'll focus on is I'm just gonna put them side by side. And\n\nChannel 1: Yeah.\n\nChannel 0: most of the time, when people are getting salary continuance when they're 30 or 40, the question is\n\nChannel 1: Yeah.\n\nChannel 0: always around which one's got the best benefit for the lowest premium. You've also now got the question of when does this expire, when\n\nChannel 1: Yeah. Yep.\n\nChannel 0: can I claim on it, when can I not, And it's those aspects that I would like to put side by side so it's quite clear for you?\n\nChannel 1: Yep. Okay. Sounds good.\n\nChannel 0: Sound alright?\n\nChannel 1: Yep. Sounds good. Then I'll just wait\n\nChannel 0: Perfect.\n\nChannel 1: till you let me know.\n\nChannel 0: Yep. I will digest that this week. I will also send you that email introducing you for the accounting side of things\n\nChannel 1: Okay.\n\nChannel 0: while I do this.\n\nChannel 1: Yep. And also while I got it, I just it just came back to my head since you said to me you were gonna talk to me about the structure fees last time.\n\nChannel 0: Sorry. Remind me again the structure fees for\n\nChannel 1: You said because I had reached, what, 600,000 or something, the fees the fee structure changes or something?\n\nChannel 0: yeah. So we've input there for the next annual review that you're getting tiered fee structure input\n\nChannel 1: Which\n\nChannel 0: into\n\nChannel 1: means\n\nChannel 0: the\n\nChannel 1: what?\n\nChannel 0: next\n\nChannel 1: Which\n\nChannel 0: agreement.\n\nChannel 1: means what?\n\nChannel 0: So,\n\nChannel 1: Which means\n\nChannel 0: normally,\n\nChannel 1: what?\n\nChannel 0: it's a percentage on the whole balance, but now\n\nChannel 1: Yeah.\n\nChannel 0: we're\n\nChannel 1: Yeah. We\n\nChannel 0: going to be doing percentages. So above 200,000, it goes down. Above 500\n\nChannel 1: Yep.\n\nChannel 0: thousand, it goes down as well. So\n\nChannel 1: Yep. Okay.\n\nChannel 0: I will come back to you on the insurances, then I've got to get you an updated service agreement because we have just\n\nChannel 1: Yep.\n\nChannel 0: launched it. And\n\nChannel 1: Yeah.\n\nChannel 0: from what\n\nChannel 1: Okay.\n\nChannel 0: I'm looking at, it's about $700 saved.\n\nChannel 1: Okay. Sounds good. That can go into my earnings. Can help me earn more money.\n\nChannel 0: Cool. Exactly\n\nChannel 1: Alright.\n\nChannel 0: right. Everything helps.\n\nChannel 1: Yep. Okay. Alright, Tommy. Thanks for your time.\n\nChannel 0: Awesome,\n\nChannel 1: Anything\n\nChannel 0: James.\n\nChannel 1: else before we close off? Anything else\n\nChannel 0: Thanks.\n\nChannel 1: we need to no. Okay.\n\nChannel 0: Always a pleasure, my friend. I will dive into the insurance, get you the account details, and\n\nChannel 1: Same.\n\nChannel 0: talk\n\nChannel 1: Yeah.\n\nChannel 0: to you pretty soon.\n\nChannel 1: Thanks so much, man. Appreciate your time.\n\nChannel 0: Yours too. Have a great week.\n\nChannel 1: You too, man. Cheers. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":1.92,"end":2.24,"sentiment":"neutral","sentiment_score":0.07761208713054657},{"text":"Tell me.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.057534072548151016}],"sentiment":"neutral","sentiment_score":0.0642267440756162,"channel":1,"num_words":3,"start":1.92,"end":3.06},{"sentences":[{"text":"James, tell me here, mate.","start":3.6799998,"end":5.04,"sentiment":"neutral","sentiment_score":0.0886210948228836},{"text":"How you been?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.13027403255303702}],"sentiment":"neutral","sentiment_score":0.10424094647169113,"channel":0,"num_words":8,"start":3.6799998,"end":5.8599997},{"sentences":[{"text":"I'm good.","start":6.24,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5345814675092697},{"text":"Thanks, mate.","start":6.7999997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6913159787654877},{"text":"How are you?","start":7.2799997,"end":8.18,"sentiment":"positive","sentiment_score":0.41337111592292786}],"sentiment":"positive","sentiment_score":0.5274154629026141,"channel":1,"num_words":7,"start":6.24,"end":8.18},{"sentences":[{"text":"I'm living the dream so far.","start":8.4,"end":9.92,"sentiment":"positive","sentiment_score":0.46366535127162933},{"text":"I'm a a little bit lacking on sleep at the moment.","start":9.92,"end":12.4,"sentiment":"neutral","sentiment_score":-0.2526185390624133},{"text":"I do apologize, but otherwise, in great spirits.","start":12.4,"end":14.98,"sentiment":"neutral","sentiment_score":0.04141699057072401}],"sentiment":"neutral","sentiment_score":0.013380964100360871,"channel":0,"num_words":25,"start":8.4,"end":14.98},{"sentences":[{"text":"Oh,","start":15.585,"end":16.085,"sentiment":"positive","sentiment_score":0.337929368019104}],"sentiment":"positive","sentiment_score":0.337929368019104,"channel":1,"num_words":1,"start":15.585,"end":16.085},{"sentences":[{"text":"Great to be chatting to you today.","start":16.645,"end":18.105,"sentiment":"positive","sentiment_score":0.6269314203943525}],"sentiment":"positive","sentiment_score":0.6269314203943525,"channel":0,"num_words":7,"start":16.645,"end":18.105},{"sentences":[{"text":"good.","start":17.985,"end":18.485,"sentiment":"positive","sentiment_score":0.36557018756866455},{"text":"Likewise.","start":18.945,"end":19.445,"sentiment":"neutral","sentiment_score":0.25072014331817627},{"text":"Likewise.","start":19.665,"end":20.165,"sentiment":"neutral","sentiment_score":0.2114880532026291},{"text":"Yeah.","start":20.865,"end":21.345,"sentiment":"neutral","sentiment_score":0.2327386438846588},{"text":"It it's just good to catch up and move things along from where we were","start":21.345,"end":25.985,"sentiment":"positive","sentiment_score":0.4620514651139577}],"sentiment":"positive","sentiment_score":0.4205941581412366,"channel":1,"num_words":19,"start":17.985,"end":25.985},{"sentences":[{"text":"Absolutely.","start":25.845001,"end":26.345001,"sentiment":"neutral","sentiment_score":0.16961385309696198}],"sentiment":"neutral","sentiment_score":0.16961385309696198,"channel":0,"num_words":1,"start":25.845001,"end":26.345001},{"sentences":[{"text":"last time.","start":25.985,"end":26.785,"sentiment":"neutral","sentiment_score":0.05072367191314697},{"text":"Couple of weeks ago, a month or two.","start":26.785,"end":29.58,"sentiment":"neutral","sentiment_score":0.018479279475286603}],"sentiment":"neutral","sentiment_score":0.024928157962858678,"channel":1,"num_words":10,"start":25.985,"end":29.58},{"sentences":[{"text":"Yeah.","start":30.005001,"end":30.325,"sentiment":"neutral","sentiment_score":0.07085628062486649},{"text":"Yep.","start":30.325,"end":30.81,"sentiment":"neutral","sentiment_score":0.07056845724582672},{"text":"Just around the same time as the the old baby came out and everything like that.","start":30.89,"end":35.21,"sentiment":"neutral","sentiment_score":0.055965459207072854},{"text":"So we've","start":35.21,"end":35.77,"sentiment":"neutral","sentiment_score":0.044963324442505836}],"sentiment":"neutral","sentiment_score":0.056339936703443526,"channel":0,"num_words":20,"start":30.005001,"end":35.77},{"sentences":[{"text":"Oh,","start":35.739998,"end":36.22,"sentiment":"neutral","sentiment_score":0.058933816850185394}],"sentiment":"neutral","sentiment_score":0.058933816850185394,"channel":1,"num_words":1,"start":35.739998,"end":36.22},{"sentences":[{"text":"got","start":35.77,"end":36.27,"sentiment":"neutral","sentiment_score":0.05693881958723068}],"sentiment":"neutral","sentiment_score":0.05693881958723068,"channel":0,"num_words":1,"start":35.77,"end":36.27},{"sentences":[{"text":"on that note, how's the little one?","start":36.22,"end":38.16,"sentiment":"neutral","sentiment_score":0.10644341685942241}],"sentiment":"neutral","sentiment_score":0.10644341685942241,"channel":1,"num_words":7,"start":36.22,"end":38.16},{"sentences":[{"text":"Josh, she's doing fantastic.","start":38.41,"end":39.71,"sentiment":"positive","sentiment_score":0.5767708197236061},{"text":"She's at a point now where she's rolling over and smiling and","start":39.85,"end":42.97,"sentiment":"positive","sentiment_score":0.41040203099449474}],"sentiment":"positive","sentiment_score":0.4519942281767726,"channel":0,"num_words":16,"start":38.41,"end":42.97},{"sentences":[{"text":"Right.","start":42.94,"end":43.44,"sentiment":"neutral","sentiment_score":0.1644151657819748}],"sentiment":"neutral","sentiment_score":0.1644151657819748,"channel":1,"num_words":1,"start":42.94,"end":43.44},{"sentences":[{"text":"giggling and all that kind of thing, so","start":42.97,"end":45.07,"sentiment":"neutral","sentiment_score":0.1367681547999382}],"sentiment":"neutral","sentiment_score":0.1367681547999382,"channel":0,"num_words":8,"start":42.97,"end":45.07},{"sentences":[{"text":"Okay.","start":45.395,"end":45.895,"sentiment":"neutral","sentiment_score":0.13320448994636536}],"sentiment":"neutral","sentiment_score":0.13320448994636536,"channel":1,"num_words":1,"start":45.395,"end":45.895},{"sentences":[{"text":"she's keeping","start":45.425,"end":46.305,"sentiment":"neutral","sentiment_score":0.11182943731546402}],"sentiment":"neutral","sentiment_score":0.11182943731546402,"channel":0,"num_words":2,"start":45.425,"end":46.305},{"sentences":[{"text":"Okay.","start":46.195,"end":46.695,"sentiment":"neutral","sentiment_score":0.13041937351226807}],"sentiment":"neutral","sentiment_score":0.13041937351226807,"channel":1,"num_words":1,"start":46.195,"end":46.695},{"sentences":[{"text":"her brothers occupied.","start":46.305,"end":47.285,"sentiment":"neutral","sentiment_score":0.10088296979665756}],"sentiment":"neutral","sentiment_score":0.10088296979665756,"channel":0,"num_words":3,"start":46.305,"end":47.285},{"sentences":[{"text":"So she's in a routine now?","start":48.355,"end":50.135,"sentiment":"neutral","sentiment_score":0.09433875729640324}],"sentiment":"neutral","sentiment_score":0.09433875729640324,"channel":1,"num_words":6,"start":48.355,"end":50.135},{"sentences":[{"text":"Yeah.","start":50.864998,"end":51.105,"sentiment":"neutral","sentiment_score":0.13425377011299133},{"text":"Yeah.","start":51.105,"end":51.425,"sentiment":"neutral","sentiment_score":0.20536398887634277},{"text":"Everything's pretty well routine and stable in terms of sleep and feeding and growing and all the rest of it.","start":51.425,"end":57.585,"sentiment":"positive","sentiment_score":0.4196751967072487},{"text":"So no health concerns or anything, to be honest.","start":57.585,"end":62.07,"sentiment":"neutral","sentiment_score":0.1232760718299283}],"sentiment":"neutral","sentiment_score":0.31750343030979555,"channel":0,"num_words":31,"start":50.864998,"end":62.07},{"sentences":[{"text":"Right.","start":63.13,"end":63.63,"sentiment":"neutral","sentiment_score":0.1418696939945221},{"text":"Okay.","start":63.690002,"end":64.19,"sentiment":"neutral","sentiment_score":0.14352092146873474},{"text":"Okay.","start":64.41,"end":64.91,"sentiment":"neutral","sentiment_score":0.15466457605361938},{"text":"Well, that's the main thing is as as long as the little the little ones are good and good health and mom's good health and the","start":65.450005,"end":72.17,"sentiment":"neutral","sentiment_score":0.27561050538833326}],"sentiment":"neutral","sentiment_score":0.2622733907452945,"channel":1,"num_words":29,"start":63.13,"end":72.17},{"sentences":[{"text":"Yeah.","start":72.05,"end":72.345,"sentiment":"neutral","sentiment_score":0.11185284703969955}],"sentiment":"neutral","sentiment_score":0.11185284703969955,"channel":0,"num_words":1,"start":72.05,"end":72.345},{"sentences":[{"text":"family's sort of moving along.","start":72.17,"end":74.03,"sentiment":"neutral","sentiment_score":0.1362896278500557}],"sentiment":"neutral","sentiment_score":0.1362896278500557,"channel":1,"num_words":5,"start":72.17,"end":74.03},{"sentences":[{"text":"Absolutely.","start":75.385,"end":75.885,"sentiment":"neutral","sentiment_score":0.1869237124919891},{"text":"Now while I've got you, James, I'm gonna pop through this email to you, and I'll just go","start":77.065,"end":81.945,"sentiment":"neutral","sentiment_score":0.06316724792122841}],"sentiment":"neutral","sentiment_score":0.0696807460565316,"channel":0,"num_words":19,"start":75.385,"end":81.945},{"sentences":[{"text":"Yep.","start":81.815,"end":82.315,"sentiment":"neutral","sentiment_score":0.04656694456934929}],"sentiment":"neutral","sentiment_score":0.04656694456934929,"channel":1,"num_words":1,"start":81.815,"end":82.315},{"sentences":[{"text":"through the usual quick security check with you.","start":81.945,"end":84.445,"sentiment":"neutral","sentiment_score":0.047802968416363}],"sentiment":"neutral","sentiment_score":0.047802968416363,"channel":0,"num_words":8,"start":81.945,"end":84.445},{"sentences":[{"text":"Yeah.","start":84.615005,"end":85.015,"sentiment":"neutral","sentiment_score":0.10352592170238496},{"text":"All good.","start":85.015,"end":85.575005,"sentiment":"neutral","sentiment_score":0.17958857864141464},{"text":"All 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for","start":693.12,"end":696.72,"sentiment":"neutral","sentiment_score":0.23511076317383692}],"sentiment":"neutral","sentiment_score":0.23511076317383692,"channel":0,"num_words":13,"start":693.12,"end":696.72},{"sentences":[{"text":"Yep.","start":696.61005,"end":697.11005,"sentiment":"neutral","sentiment_score":0.18999908864498136}],"sentiment":"neutral","sentiment_score":0.18999908864498136,"channel":1,"num_words":1,"start":696.61005,"end":697.11005},{"sentences":[{"text":"the next twelve months for you.","start":696.72,"end":698.25494,"sentiment":"neutral","sentiment_score":0.18482515464226404}],"sentiment":"neutral","sentiment_score":0.18482515464226404,"channel":0,"num_words":6,"start":696.72,"end":698.25494},{"sentences":[{"text":"Yep.","start":698.37006,"end":698.85004,"sentiment":"neutral","sentiment_score":0.16431915760040283},{"text":"Yep.","start":698.85004,"end":699.25,"sentiment":"neutral","sentiment_score":0.2130599468946457},{"text":"Sounds sounds good.","start":699.25,"end":700.37006,"sentiment":"positive","sentiment_score":0.514000783363978},{"text":"Sounds logical.","start":700.37006,"end":701.19,"sentiment":"positive","sentiment_score":0.42802102863788605},{"text":"Alright.","start":702.51495,"end":703.01495,"sentiment":"neutral","sentiment_score":0.3147699534893036}],"sentiment":"positive","sentiment_score":0.3862741831690073,"channel":1,"num_words":8,"start":698.37006,"end":703.01495},{"sentences":[{"text":"Okay.","start":703.71497,"end":704.21497,"sentiment":"positive","sentiment_score":0.3439217805862427},{"text":"Thanks for doing all that.","start":705.07495,"end":706.355,"sentiment":"positive","sentiment_score":0.5982703328132629},{"text":"Appreciate it.","start":706.355,"end":707.255,"sentiment":"positive","sentiment_score":0.6554308533668518}],"sentiment":"positive","sentiment_score":0.5807668939232826,"channel":1,"num_words":8,"start":703.71497,"end":707.255},{"sentences":[{"text":"No.","start":706.875,"end":707.27496,"sentiment":"neutral","sentiment_score":0.06888863444328308},{"text":"That's alright.","start":707.27496,"end":707.83496,"sentiment":"neutral","sentiment_score":0.13423794880509377},{"text":"I'll keep an eye on it as always.","start":707.83496,"end":709.27496,"sentiment":"neutral","sentiment_score":0.2989012021571398},{"text":"And, again, I'll I'll try and get some catch ups","start":709.27496,"end":711.39,"sentiment":"neutral","sentiment_score":0.08826669007539749}],"sentiment":"neutral","sentiment_score":0.17196385952688398,"channel":0,"num_words":21,"start":706.875,"end":711.39},{"sentences":[{"text":"Yep.","start":711.15497,"end":711.65497,"sentiment":"neutral","sentiment_score":0.06788716465234756}],"sentiment":"neutral","sentiment_score":0.06788716465234756,"channel":1,"num_words":1,"start":711.15497,"end":711.65497},{"sentences":[{"text":"at a good interval in time, but any changes when it comes to the equity release and property for you?","start":712.11,"end":718.77,"sentiment":"neutral","sentiment_score":0.08260518200695514}],"sentiment":"neutral","sentiment_score":0.08260518200695514,"channel":0,"num_words":20,"start":712.11,"end":718.77},{"sentences":[{"text":"Yeah.","start":718.91003,"end":719.23,"sentiment":"neutral","sentiment_score":0.048453040421009064},{"text":"Okay.","start":719.23,"end":719.73,"sentiment":"neutral","sentiment_score":0.06441943347454071},{"text":"So I've been speaking to a if you wanna call it properties property investment strategist.","start":720.27,"end":726.45,"sentiment":"neutral","sentiment_score":0.06092942108710607},{"text":"And I'm waiting we we had one meeting, so I'm waiting for the final.","start":727.47003,"end":733.465,"sentiment":"neutral","sentiment_score":0.035752804417695315},{"text":"But the initial step at the moment is she's she wants me to offload my Crow's Nest property and get a print a principal place of residence.","start":733.465,"end":744.04504,"sentiment":"neutral","sentiment_score":0.03992923638886876}],"sentiment":"neutral","sentiment_score":0.0449214212853333,"channel":1,"num_words":58,"start":718.91003,"end":744.04504},{"sentences":[{"text":"I like the sound of","start":744.97,"end":745.93,"sentiment":"neutral","sentiment_score":0.27596414387226104}],"sentiment":"neutral","sentiment_score":0.27596414387226104,"channel":0,"num_words":5,"start":744.97,"end":745.93},{"sentences":[{"text":"Okay?","start":745.89996,"end":746.39996,"sentiment":"neutral","sentiment_score":0.20398664474487305}],"sentiment":"neutral","sentiment_score":0.20398664474487305,"channel":1,"num_words":1,"start":745.89996,"end":746.39996},{"sentences":[{"text":"that.","start":745.93,"end":746.43,"sentiment":"neutral","sentiment_score":0.22436684370040896}],"sentiment":"neutral","sentiment_score":0.22436684370040896,"channel":0,"num_words":1,"start":745.93,"end":746.43},{"sentences":[{"text":"Okay.","start":746.94,"end":747.25995,"sentiment":"neutral","sentiment_score":0.1085921972990036},{"text":"So I've engaged my my current property manager who's managing my property,","start":747.25995,"end":752.16,"sentiment":"neutral","sentiment_score":0.11584419136246045}],"sentiment":"neutral","sentiment_score":0.11528634566527146,"channel":1,"num_words":13,"start":746.94,"end":752.16},{"sentences":[{"text":"Yep.","start":752.73,"end":753.045,"sentiment":"neutral","sentiment_score":0.1333232223987579}],"sentiment":"neutral","sentiment_score":0.1333232223987579,"channel":0,"num_words":1,"start":752.73,"end":753.045},{"sentences":[{"text":"and he's he's a friend.","start":753.1,"end":754.77997,"sentiment":"neutral","sentiment_score":0.1324280768632889},{"text":"So I'm just waiting for him now to come back with his proposal.","start":754.77997,"end":758.16,"sentiment":"neutral","sentiment_score":0.10820538092118043}],"sentiment":"neutral","sentiment_score":0.11493390757176611,"channel":1,"num_words":18,"start":753.1,"end":758.16},{"sentences":[{"text":"Yep.","start":758.805,"end":759.305,"sentiment":"neutral","sentiment_score":0.15888407826423645}],"sentiment":"neutral","sentiment_score":0.15888407826423645,"channel":0,"num_words":1,"start":758.805,"end":759.305},{"sentences":[{"text":"One one, I'll save a bit on on the fees because of being a friend.","start":759.155,"end":764.195,"sentiment":"neutral","sentiment_score":0.22103822628657024},{"text":"He said he'll look after me.","start":764.195,"end":765.73505,"sentiment":"neutral","sentiment_score":0.1203917699555556}],"sentiment":"neutral","sentiment_score":0.19228209590628034,"channel":1,"num_words":21,"start":759.155,"end":765.73505},{"sentences":[{"text":"K.","start":766.005,"end":766.44,"sentiment":"neutral","sentiment_score":0.048678208142519}],"sentiment":"neutral","sentiment_score":0.048678208142519,"channel":0,"num_words":1,"start":766.005,"end":766.44},{"sentences":[{"text":"And second thing is I've asked him to help me for a look out.","start":766.35504,"end":770.11505,"sentiment":"neutral","sentiment_score":0.06072886873568807},{"text":"So I'm looking I'm looking at a at the moment based on the numbers that that property that property strategy and I went through.","start":770.11505,"end":778.98,"sentiment":"neutral","sentiment_score":0.034454400495936476},{"text":"She said, look.","start":779.2,"end":780.18,"sentiment":"neutral","sentiment_score":0.013668732717633247},{"text":"We should be looking for a property around about eight 08:50.","start":780.24,"end":784.24,"sentiment":"neutral","sentiment_score":0.0020989417521791024},{"text":"And I said, well, this is a Sydney market.","start":784.24,"end":786.18,"sentiment":"neutral","sentiment_score":-0.07590439129206869}],"sentiment":"neutral","sentiment_score":0.017345324754104264,"channel":1,"num_words":61,"start":766.35504,"end":786.18},{"sentences":[{"text":"With me pushing all the way outside of Sydney, it's gonna be a problem.","start":786.305,"end":789.685,"sentiment":"neutral","sentiment_score":-0.296406161572252},{"text":"So I think she said the upper limit's $9.50","start":790.305,"end":794.08496,"sentiment":"neutral","sentiment_score":-0.035026793678601585}],"sentiment":"neutral","sentiment_score":-0.19412727848343228,"channel":1,"num_words":23,"start":786.305,"end":794.08496},{"sentences":[{"text":"K.","start":794.87,"end":795.37,"sentiment":"neutral","sentiment_score":-0.03391609713435173}],"sentiment":"neutral","sentiment_score":-0.03391609713435173,"channel":0,"num_words":1,"start":794.87,"end":795.37},{"sentences":[{"text":"at this point in time, but that's on the basis that I can get $7,474,747.50 top end.","start":795.105,"end":804.96,"sentiment":"neutral","sentiment_score":-0.0020751231076086268},{"text":"My property manager and my friend just said, look, probably $7.40 is really ideal.","start":806.22003,"end":812.48004,"sentiment":"neutral","sentiment_score":0.21714599430561066},{"text":"We won't be pushing it.","start":812.62,"end":814.005,"sentiment":"neutral","sentiment_score":0.11577726900577545},{"text":"If we get $7.50, it'll be good.","start":814.005,"end":815.945,"sentiment":"neutral","sentiment_score":0.300207610641207}],"sentiment":"neutral","sentiment_score":0.1322117778364309,"channel":1,"num_words":43,"start":795.105,"end":815.945},{"sentences":[{"text":"Yep.","start":816.325,"end":816.72,"sentiment":"neutral","sentiment_score":0.12203022837638856}],"sentiment":"neutral","sentiment_score":0.12203022837638856,"channel":0,"num_words":1,"start":816.325,"end":816.72},{"sentences":[{"text":"But I wanna move because Crows Nest at the moment, it's got a lot of development going on now because of this New South Wales state government's, you know, the TOD and all the zoning for properties being near Wales infrastructure.","start":816.48505,"end":830.8,"sentiment":"neutral","sentiment_score":0.07205224545990549}],"sentiment":"neutral","sentiment_score":0.07205224545990549,"channel":1,"num_words":41,"start":816.48505,"end":830.8},{"sentences":[{"text":"Yep.","start":830.48,"end":830.98,"sentiment":"neutral","sentiment_score":0.1687641143798828},{"text":"Perfect.","start":831.51996,"end":832.01996,"sentiment":"positive","sentiment_score":0.3336532711982727}],"sentiment":"neutral","sentiment_score":0.25120869278907776,"channel":0,"num_words":2,"start":830.48,"end":832.01996},{"sentences":[{"text":"So my property is an older one.","start":831.89996,"end":833.66,"sentiment":"neutral","sentiment_score":0.0527386511010783},{"text":"It's a one bedroom.","start":833.66,"end":834.62,"sentiment":"neutral","sentiment_score":0.03456084942445159},{"text":"So from a market point of view, I probably have a chance to be like you said, it's ideal for the first home buyer rather than an 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at","start":865.81,"end":874.92505,"sentiment":"neutral","sentiment_score":0.011461345878030573}],"sentiment":"neutral","sentiment_score":0.04585263498804786,"channel":1,"num_words":55,"start":856.76996,"end":874.92505},{"sentences":[{"text":"Yeah.","start":874.86,"end":875.36,"sentiment":"neutral","sentiment_score":0.004115323536098003}],"sentiment":"neutral","sentiment_score":0.004115323536098003,"channel":0,"num_words":1,"start":874.86,"end":875.36},{"sentences":[{"text":"the moment.","start":874.92505,"end":875.505,"sentiment":"neutral","sentiment_score":-0.006836126558482647},{"text":"For the time being for the time being, the way she's working is she says, look.","start":875.965,"end":881.185,"sentiment":"neutral","sentiment_score":0.0006468435749411583},{"text":"Let's look initially at holding the Melbourne 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it's","start":949.815,"end":950.85504,"sentiment":"neutral","sentiment_score":0.14430826157331467}],"sentiment":"neutral","sentiment_score":0.19433990576201016,"channel":0,"num_words":18,"start":943.73505,"end":950.85504},{"sentences":[{"text":"Yes.","start":950.74,"end":951.24,"sentiment":"neutral","sentiment_score":0.21112826466560364}],"sentiment":"neutral","sentiment_score":0.21112826466560364,"channel":1,"num_words":1,"start":950.74,"end":951.24},{"sentences":[{"text":"sounding like we've finally got some openings there, whereas six to twelve months ago, there wasn't much opportunity to move around, and you were kind of stuck with it.","start":950.85504,"end":959.13,"sentiment":"neutral","sentiment_score":-0.20532426263751655}],"sentiment":"neutral","sentiment_score":-0.20532426263751655,"channel":0,"num_words":29,"start":950.85504,"end":959.13},{"sentences":[{"text":"Yeah.","start":959.65497,"end":959.975,"sentiment":"neutral","sentiment_score":-0.047572534531354904},{"text":"It was kinda like because I just had my mind fixated on on having as many properties as I could because I just needed to I just wanted this situation being able to fund my retirement from a passive perspective.","start":959.975,"end":974.18,"sentiment":"neutral","sentiment_score":-0.0012929009273648262}],"sentiment":"neutral","sentiment_score":-0.0024216724786816574,"channel":1,"num_words":41,"start":959.65497,"end":974.18},{"sentences":[{"text":"Yes.","start":975.125,"end":975.625,"sentiment":"neutral","sentiment_score":0.03399539738893509}],"sentiment":"neutral","sentiment_score":0.03399539738893509,"channel":0,"num_words":1,"start":975.125,"end":975.625},{"sentences":[{"text":"And I think I think given what's what she should be in numbers, the reality is I think it's highly unlikely at the moment.","start":975.2,"end":984.15497,"sentiment":"neutral","sentiment_score":-0.14245855994522572},{"text":"So so at best, I probably, if I can, is have one property at the moment with my own PPR.","start":985.015,"end":993.035,"sentiment":"neutral","sentiment_score":-0.05331134758889675},{"text":"So she said, look, if you can get into your PPR now, you use one, you save on the rent you're paying, which is about 3,200.","start":993.175,"end":1000.29,"sentiment":"neutral","sentiment_score":0.055633858419381656},{"text":"It's gonna go up again.","start":1000.29,"end":1001.41,"sentiment":"neutral","sentiment_score":0.051273930817842484},{"text":"It's gonna go up because of the rental market.","start":1001.41,"end":1003.97,"sentiment":"neutral","sentiment_score":0.02738525014784601}],"sentiment":"neutral","sentiment_score":-0.030189466263566698,"channel":1,"num_words":84,"start":975.2,"end":1003.97},{"sentences":[{"text":"So I'm really fortunate that I'm only paying 800 at the moment, but my property manager who who looked after me, he got me into this property.","start":1003.97,"end":1013.385,"sentiment":"neutral","sentiment_score":0.1943679940369394},{"text":"He's no longer 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just say send Alright.","start":2952.3699,"end":2961.7349,"sentiment":"neutral","sentiment_score":0.05779953561723232},{"text":"It's on the way?","start":2979.44,"end":2980.66,"sentiment":"neutral","sentiment_score":0.1282215528190136}],"sentiment":"neutral","sentiment_score":0.08584502320736646,"channel":1,"num_words":10,"start":2951.65,"end":2980.66},{"sentences":[{"text":"I will give it a little refresh.","start":2982.585,"end":2984.125,"sentiment":"neutral","sentiment_score":0.07366482115217618}],"sentiment":"neutral","sentiment_score":0.07366482115217618,"channel":0,"num_words":7,"start":2982.585,"end":2984.125},{"sentences":[{"text":"Yep.","start":2984.8,"end":2985.3,"sentiment":"neutral","sentiment_score":0.026862306520342827}],"sentiment":"neutral","sentiment_score":0.026862306520342827,"channel":1,"num_words":1,"start":2984.8,"end":2985.3},{"sentences":[{"text":"My laptop updated this morning, and it's it is going quite slow.","start":2984.9849,"end":2988.825,"sentiment":"neutral","sentiment_score":-0.30053821081916493},{"text":"So I will run that as soon as I can.","start":2988.825,"end":2992.765,"sentiment":"neutral","sentiment_score":-0.10906630754470825},{"text":"And, James, if you could,","start":3050.72,"end":3052.3398,"sentiment":"neutral","sentiment_score":0.038039103895425794}],"sentiment":"neutral","sentiment_score":-0.16692318836296047,"channel":0,"num_words":27,"start":2984.9849,"end":3052.3398},{"sentences":[{"text":"Yep.","start":3053.125,"end":3053.625,"sentiment":"neutral","sentiment_score":0.05405222997069359}],"sentiment":"neutral","sentiment_score":0.05405222997069359,"channel":1,"num_words":1,"start":3053.125,"end":3053.625},{"sentences":[{"text":"would you be able to forward that one to my team's inbox so it links automatically to your profile?","start":3054.0,"end":3060.0752,"sentiment":"neutral","sentiment_score":0.08104514801188518},{"text":"It's usually","start":3060.5352,"end":3061.0151,"sentiment":"neutral","sentiment_score":0.043802738189697266}],"sentiment":"neutral","sentiment_score":0.07749825183834348,"channel":0,"num_words":21,"start":3054.0,"end":3061.0151},{"sentences":[{"text":"So","start":3060.885,"end":3061.2852,"sentiment":"neutral","sentiment_score":0.07448617368936539}],"sentiment":"neutral","sentiment_score":0.07448617368936539,"channel":1,"num_words":1,"start":3060.885,"end":3061.2852},{"sentences":[{"text":"the safest.","start":3061.0151,"end":3061.7551,"sentiment":"neutral","sentiment_score":0.13064492493867874}],"sentiment":"neutral","sentiment_score":0.13064492493867874,"channel":0,"num_words":2,"start":3061.0151,"end":3061.7551},{"sentences":[{"text":"I'll have so who who does that go to?","start":3061.2852,"end":3064.87,"sentiment":"neutral","sentiment_score":0.04585158866312769},{"text":"The email","start":3065.25,"end":3065.7302,"sentiment":"neutral","sentiment_score":0.02248069830238819}],"sentiment":"neutral","sentiment_score":0.04160233587026596,"channel":1,"num_words":11,"start":3061.2852,"end":3065.7302},{"sentences":[{"text":"So it","start":3065.415,"end":3065.735,"sentiment":"neutral","sentiment_score":0.017298602033406496}],"sentiment":"neutral","sentiment_score":0.017298602033406496,"channel":0,"num_words":2,"start":3065.415,"end":3065.735},{"sentences":[{"text":"address?","start":3065.7302,"end":3066.2302,"sentiment":"neutral","sentiment_score":0.032083459198474884}],"sentiment":"neutral","sentiment_score":0.032083459198474884,"channel":1,"num_words":1,"start":3065.7302,"end":3066.2302},{"sentences":[{"text":"just goes to contactcontact@OakviewFinancial.com.au.","start":3065.735,"end":3072.84,"sentiment":"neutral","sentiment_score":0.06390153802931309},{"text":"It'll actually tag it to your client profile, which","start":3072.9202,"end":3076.9202,"sentiment":"neutral","sentiment_score":0.11079159627358119}],"sentiment":"neutral","sentiment_score":0.09636388604457562,"channel":0,"num_words":13,"start":3065.735,"end":3076.9202},{"sentences":[{"text":"Contact at a u financial dot com dot a u.","start":3076.885,"end":3083.7852,"sentiment":"neutral","sentiment_score":0.05623259842395782},{"text":"There's I'll just say","start":3088.0051,"end":3089.465,"sentiment":"neutral","sentiment_score":0.12107481434941292}],"sentiment":"neutral","sentiment_score":0.0747589458312307,"channel":1,"num_words":14,"start":3076.885,"end":3089.465},{"sentences":[{"text":"Thank you for doing that.","start":3098.185,"end":3099.225,"sentiment":"positive","sentiment_score":0.6793583154678344},{"text":"Really appreciate that.","start":3099.225,"end":3100.49,"sentiment":"positive","sentiment_score":0.7377644975980123}],"sentiment":"positive","sentiment_score":0.7012606337666512,"channel":0,"num_words":8,"start":3098.185,"end":3100.49},{"sentences":[{"text":"I know.","start":3109.255,"end":3110.055,"sentiment":"neutral","sentiment_score":0.3142688423395157},{"text":"Copy.","start":3110.055,"end":3110.555,"sentiment":"neutral","sentiment_score":0.1076575219631195},{"text":"Just give me a sec.","start":3115.895,"end":3117.1948,"sentiment":"neutral","sentiment_score":0.07577452808618546},{"text":"I've copied you in on the email.","start":3124.1401,"end":3126.0,"sentiment":"neutral","sentiment_score":0.07851573026606015}],"sentiment":"neutral","sentiment_score":0.11097853059569994,"channel":1,"num_words":15,"start":3109.255,"end":3126.0},{"sentences":[{"text":"Oh, fantastic.","start":3126.615,"end":3127.355,"sentiment":"positive","sentiment_score":0.6367869973182678},{"text":"Thank 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Croeseness property at the moment.","start":3251.6648,"end":3254.6448,"sentiment":"neutral","sentiment_score":0.06863320370515187},{"text":"I I don't fully understand it, but I'm hoping you can share with me knowledge wise.","start":3257.105,"end":3262.98,"sentiment":"neutral","sentiment_score":0.08056964725255966},{"text":"Because I don't have a lot of time in terms of investing, I'm thinking I've been talking to people and they say, oh, why don't you go into e ETFs?","start":3262.98,"end":3270.84,"sentiment":"neutral","sentiment_score":0.004911310070504745},{"text":"Now from that perspective, what do I need how do I utilize that to do to my advantage or get hopefully get a return out of that, Tommy?","start":3272.26,"end":3283.095,"sentiment":"neutral","sentiment_score":0.22927174983280046},{"text":"Buying ETFs.","start":3283.9548,"end":3284.935,"sentiment":"neutral","sentiment_score":0.11135362088680267}],"sentiment":"neutral","sentiment_score":0.10354352582291496,"channel":1,"num_words":82,"start":3251.6648,"end":3284.935},{"sentences":[{"text":"How how does it work?","start":3284.9949,"end":3286.295,"sentiment":"neutral","sentiment_score":0.13366803377866746}],"sentiment":"neutral","sentiment_score":0.13366803377866746,"channel":1,"num_words":5,"start":3284.9949,"end":3286.295},{"sentences":[{"text":"So I'll give","start":3287.22,"end":3289.14,"sentiment":"neutral","sentiment_score":0.07102936630447705}],"sentiment":"neutral","sentiment_score":0.07102936630447705,"channel":0,"num_words":3,"start":3287.22,"end":3289.14},{"sentences":[{"text":"Yeah.","start":3289.02,"end":3289.52,"sentiment":"neutral","sentiment_score":0.11620236933231354}],"sentiment":"neutral","sentiment_score":0.11620236933231354,"channel":1,"num_words":1,"start":3289.02,"end":3289.52},{"sentences":[{"text":"you a 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hundred ETF will buy you a small portion of the top 200 companies in Australia rather than buying each one individually stock by stock.","start":3317.6401,"end":3329.985,"sentiment":"neutral","sentiment_score":0.2590264347692331},{"text":"The","start":3332.605,"end":3333.105,"sentiment":"neutral","sentiment_score":0.1202622503042221}],"sentiment":"neutral","sentiment_score":0.23926340008065813,"channel":0,"num_words":63,"start":3303.355,"end":3333.105},{"sentences":[{"text":"Yep.","start":3333.2952,"end":3333.7952,"sentiment":"neutral","sentiment_score":0.025109788402915}],"sentiment":"neutral","sentiment_score":0.025109788402915,"channel":1,"num_words":1,"start":3333.2952,"end":3333.7952},{"sentences":[{"text":"other side of the equation is a platform such as a Hub 24, an MLC, someone who offers an investment account that's like super that can give you access to managed funds, ETFs, and stocks, but you pay fees to have this full account set up and all the investment options managed for you.","start":3333.885,"end":3358.435,"sentiment":"neutral","sentiment_score":0.14207629624892165},{"text":"So the cheapest way to do an ETF is literally go on Comsec and just buy one directly for a brokerage fee of $18.25 dollars or a small percentage.","start":3358.435,"end":3369.255,"sentiment":"neutral","sentiment_score":0.17266544134452425},{"text":"You don't necessarily need to use a full platform because we're not trying to grow 50,000 to be 500,000 over the period of ten plus years.","start":3370.6401,"end":3381.2202,"sentiment":"neutral","sentiment_score":0.09760908438609196}],"sentiment":"neutral","sentiment_score":0.13960783477496663,"channel":0,"num_words":109,"start":3333.885,"end":3381.2202},{"sentences":[{"text":"Yeah.","start":3381.745,"end":3382.245,"sentiment":"neutral","sentiment_score":0.08525974303483963}],"sentiment":"neutral","sentiment_score":0.08525974303483963,"channel":1,"num_words":1,"start":3381.745,"end":3382.245},{"sentences":[{"text":"If it's only for a small period of time, you just buy it once off and then sell it when you decide to sell it.","start":3382.0,"end":3387.675,"sentiment":"neutral","sentiment_score":0.073985635638237}],"sentiment":"neutral","sentiment_score":0.073985635638237,"channel":0,"num_words":25,"start":3382.0,"end":3387.675},{"sentences":[{"text":"Okay.","start":3389.5051,"end":3390.0051,"sentiment":"neutral","sentiment_score":0.06516359001398087},{"text":"How the how do how does the selection work or you don't?","start":3390.305,"end":3393.585,"sentiment":"neutral","sentiment_score":0.05592284149800738},{"text":"Do you just buy you just buy, like, what you said?","start":3393.585,"end":3398.0898,"sentiment":"neutral","sentiment_score":0.021909246729178863},{"text":"Just go on and how do I work out which ones that I should buy?","start":3398.0898,"end":3402.43,"sentiment":"neutral","sentiment_score":0.045146140332023306}],"sentiment":"neutral","sentiment_score":0.04242132069208683,"channel":1,"num_words":39,"start":3389.5051,"end":3402.43},{"sentences":[{"text":"That was my next point.","start":3403.35,"end":3404.7102,"sentiment":"neutral","sentiment_score":0.046110525727272034},{"text":"So with","start":3404.7102,"end":3405.35,"sentiment":"neutral","sentiment_score":0.03894863277673721}],"sentiment":"neutral","sentiment_score":0.0440642705985478,"channel":0,"num_words":7,"start":3403.35,"end":3405.35},{"sentences":[{"text":"Oh, okay.","start":3405.0498,"end":3405.6099,"sentiment":"neutral","sentiment_score":0.054151829332113266}],"sentiment":"neutral","sentiment_score":0.054151829332113266,"channel":1,"num_words":2,"start":3405.0498,"end":3405.6099},{"sentences":[{"text":"the 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national shares, gold, fixed interest, and so on.","start":3424.125,"end":3426.99,"sentiment":"neutral","sentiment_score":0.09251171350479126},{"text":"And each one invest into a single type of asset, most of","start":3427.15,"end":3432.67,"sentiment":"neutral","sentiment_score":0.07777590521921714}],"sentiment":"neutral","sentiment_score":0.08409125162732034,"channel":0,"num_words":21,"start":3424.125,"end":3432.67},{"sentences":[{"text":"Right.","start":3432.44,"end":3432.94,"sentiment":"neutral","sentiment_score":0.05128098279237747}],"sentiment":"neutral","sentiment_score":0.05128098279237747,"channel":1,"num_words":1,"start":3432.44,"end":3432.94},{"sentences":[{"text":"them.","start":3432.67,"end":3433.17,"sentiment":"neutral","sentiment_score":0.06276196986436844},{"text":"So you already have, for example, physical gold, cybersecurity","start":3433.47,"end":3436.93,"sentiment":"neutral","sentiment_score":0.14252052787277433}],"sentiment":"neutral","sentiment_score":0.13454467207193374,"channel":0,"num_words":10,"start":3432.67,"end":3436.93},{"sentences":[{"text":"Yep.","start":3437.08,"end":3437.58,"sentiment":"neutral","sentiment_score":0.10461574792861938}],"sentiment":"neutral","sentiment_score":0.10461574792861938,"channel":1,"num_words":1,"start":3437.08,"end":3437.58},{"sentences":[{"text":"companies, term deposits,","start":3437.39,"end":3439.17,"sentiment":"neutral","sentiment_score":0.12094289064407349}],"sentiment":"neutral","sentiment_score":0.12094289064407349,"channel":0,"num_words":3,"start":3437.39,"end":3439.17},{"sentences":[{"text":"Yep.","start":3438.795,"end":3439.295,"sentiment":"neutral","sentiment_score":0.13543955981731415}],"sentiment":"neutral","sentiment_score":0.13543955981731415,"channel":1,"num_words":1,"start":3438.795,"end":3439.295},{"sentences":[{"text":"the 200, and so on.","start":3439.355,"end":3440.635,"sentiment":"neutral","sentiment_score":0.11383415460586548},{"text":"So those are good examples.","start":3440.635,"end":3441.9348,"sentiment":"neutral","sentiment_score":0.2515921384096146}],"sentiment":"neutral","sentiment_score":0.18271314650774,"channel":0,"num_words":10,"start":3439.355,"end":3441.9348},{"sentences":[{"text":"Okay.","start":3443.195,"end":3443.695,"sentiment":"neutral","sentiment_score":0.22153779864311215}],"sentiment":"neutral","sentiment_score":0.22153779864311215,"channel":1,"num_words":1,"start":3443.195,"end":3443.695},{"sentences":[{"text":"Very low fee, very good performance.","start":3443.275,"end":3445.055,"sentiment":"positive","sentiment_score":0.5103215525547663},{"text":"Some are quite selective.","start":3445.595,"end":3448.895,"sentiment":"neutral","sentiment_score":0.23811370506882668},{"text":"You know, cybersecurity companies as opposed to the overall Australian economy, you can","start":3449.355,"end":3454.29,"sentiment":"neutral","sentiment_score":0.0357527333096816}],"sentiment":"neutral","sentiment_score":0.19474650733172894,"channel":0,"num_words":23,"start":3443.275,"end":3454.29},{"sentences":[{"text":"Yep.","start":3454.25,"end":3454.75,"sentiment":"neutral","sentiment_score":0.0110100656747818}],"sentiment":"neutral","sentiment_score":0.0110100656747818,"channel":1,"num_words":1,"start":3454.25,"end":3454.75},{"sentences":[{"text":"get quite narrow.","start":3454.29,"end":3455.33,"sentiment":"neutral","sentiment_score":-0.04574107130368551},{"text":"You can get quite broad with it.","start":3455.33,"end":3457.35,"sentiment":"neutral","sentiment_score":-0.01781987026333809},{"text":"But there is one part of opinion that I do have to give you, James, which is my bias.","start":3459.49,"end":3463.49,"sentiment":"neutral","sentiment_score":-0.14191720007281555},{"text":"Please take this with a grain of 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get","start":3500.635,"end":3501.2751,"sentiment":"neutral","sentiment_score":-0.011157521978020668}],"sentiment":"neutral","sentiment_score":-0.008630754798650742,"channel":0,"num_words":15,"start":3494.7952,"end":3501.2751},{"sentences":[{"text":"Right.","start":3501.125,"end":3501.625,"sentiment":"neutral","sentiment_score":-0.08721308410167694}],"sentiment":"neutral","sentiment_score":-0.08721308410167694,"channel":1,"num_words":1,"start":3501.125,"end":3501.625},{"sentences":[{"text":"an extra 2% to possibly risk half of it as opposed to just getting a guaranteed six or 7%, The equation doesn't add up for me.","start":3501.2751,"end":3510.29,"sentiment":"neutral","sentiment_score":-0.28084596131856626}],"sentiment":"neutral","sentiment_score":-0.28084596131856626,"channel":0,"num_words":26,"start":3501.2751,"end":3510.29},{"sentences":[{"text":"Right.","start":3510.91,"end":3511.41,"sentiment":"neutral","sentiment_score":-0.11710035800933838}],"sentiment":"neutral","sentiment_score":-0.11710035800933838,"channel":1,"num_words":1,"start":3510.91,"end":3511.41},{"sentences":[{"text":"So I would not be recommending going into an ETF to buy something that's potentially volatile to 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probably the best way to do it at the moment on the safer side.","start":3524.7349,"end":3530.095,"sentiment":"neutral","sentiment_score":0.09068837674225078},{"text":"Yeah?","start":3530.095,"end":3530.595,"sentiment":"neutral","sentiment_score":0.061416372656822205}],"sentiment":"neutral","sentiment_score":0.08140090554952621,"channel":1,"num_words":20,"start":3523.775,"end":3530.595},{"sentences":[{"text":"Yeah.","start":3530.975,"end":3531.2952,"sentiment":"neutral","sentiment_score":0.039785031229257584},{"text":"The only way the only part I would go above cash is, for example, credit funds, which are kind of like fluctuating term deposit rates.","start":3531.2952,"end":3540.94,"sentiment":"neutral","sentiment_score":0.010851091295480729},{"text":"They go up and down with the interest rates.","start":3541.6401,"end":3543.82,"sentiment":"neutral","sentiment_score":-0.05312661909394794},{"text":"Now the example of that is if Commonwealth is paying a 5.8% for a term deposit, they 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eight.","start":3556.765,"end":3557.505,"sentiment":"neutral","sentiment_score":0.012913006823509932}],"sentiment":"neutral","sentiment_score":0.012913006823509932,"channel":0,"num_words":2,"start":3556.765,"end":3557.505},{"sentences":[{"text":"Okay.","start":3558.5999,"end":3559.0999,"sentiment":"neutral","sentiment_score":0.0338624007999897}],"sentiment":"neutral","sentiment_score":0.0338624007999897,"channel":1,"num_words":1,"start":3558.5999,"end":3559.0999},{"sentences":[{"text":"That's as far as I would be going for anything under three 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know the market's very sort of unknown at the moment.","start":3570.76,"end":3574.465,"sentiment":"neutral","sentiment_score":-0.31294547427784314},{"text":"It's all over the shop.","start":3574.465,"end":3575.925,"sentiment":"neutral","sentiment_score":-0.2970603585243225},{"text":"And, you know, I I don't think we've we've faced the world economy or the world the global side of things the way we are seeing the world at the moment.","start":3576.2651,"end":3585.205,"sentiment":"neutral","sentiment_score":-0.2986760264442813}],"sentiment":"neutral","sentiment_score":-0.2920712343588167,"channel":1,"num_words":49,"start":3568.2,"end":3585.205},{"sentences":[{"text":"Yeah.","start":3585.835,"end":3586.335,"sentiment":"neutral","sentiment_score":-0.17215028405189514}],"sentiment":"neutral","sentiment_score":-0.17215028405189514,"channel":0,"num_words":1,"start":3585.835,"end":3586.335},{"sentences":[{"text":"And and you've got you've got a rep you've got an erratic leader sitting, you know, in in The US and what's happening with Ukraine and everything else in The Middle East.","start":3586.76,"end":3598.2,"sentiment":"neutral","sentiment_score":-0.2673023589886725},{"text":"It's just all over the shop, and we haven't seen that, you know, we haven't seen that sustained environment for I don't think we've ever had.","start":3598.2,"end":3606.695,"sentiment":"neutral","sentiment_score":-0.32322545922719514},{"text":"Right?","start":3606.695,"end":3606.935,"sentiment":"neutral","sentiment_score":-0.19223374128341675},{"text":"You've always had one or the other, but it just seemed just all thrown in at the one time at the moment.","start":3606.935,"end":3612.715,"sentiment":"neutral","sentiment_score":-0.30446334792809054}],"sentiment":"neutral","sentiment_score":-0.2944193188055062,"channel":1,"num_words":81,"start":3586.76,"end":3612.715},{"sentences":[{"text":"And then, Ben, it seems to also be 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6%.","start":3625.59,"end":3634.325,"sentiment":"negative","sentiment_score":-0.4358123526457817}],"sentiment":"neutral","sentiment_score":-0.3250008627683634,"channel":1,"num_words":42,"start":3622.31,"end":3634.325},{"sentences":[{"text":"And just quickly too, with Crowsnest, what's the the interest rate on on that one at the moment?","start":3635.1648,"end":3640.065,"sentiment":"neutral","sentiment_score":-0.0214482127274904}],"sentiment":"neutral","sentiment_score":-0.0214482127274904,"channel":0,"num_words":18,"start":3635.1648,"end":3640.065},{"sentences":[{"text":"Just give me a sec.","start":3643.8901,"end":3645.27,"sentiment":"neutral","sentiment_score":-0.02179243043065071},{"text":"5.89, I think it is.","start":3645.57,"end":3647.75,"sentiment":"neutral","sentiment_score":-0.011696578282862902},{"text":"5.89.","start":3648.93,"end":3649.81,"sentiment":"neutral","sentiment_score":-0.00399390235543251},{"text":"But I'll just tell you 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one?","start":3735.335,"end":3736.135,"sentiment":"neutral","sentiment_score":-0.030133795614043873}],"sentiment":"neutral","sentiment_score":-0.013108072233282857,"channel":1,"num_words":18,"start":3718.265,"end":3736.135},{"sentences":[{"text":"No.","start":3736.135,"end":3736.4548,"sentiment":"neutral","sentiment_score":-0.18458259105682373},{"text":"That's not the one.","start":3736.4548,"end":3737.335,"sentiment":"neutral","sentiment_score":-0.19880319386720657},{"text":"That's not the one.","start":3737.335,"end":3738.375,"sentiment":"neutral","sentiment_score":-0.17791029810905457},{"text":"Offset.","start":3738.375,"end":3738.855,"sentiment":"neutral","sentiment_score":-0.06293371319770813},{"text":"Let's 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not seeing account account account.","start":3754.62,"end":3760.1602,"sentiment":"neutral","sentiment_score":-0.17593229748308659},{"text":"How do I upcoming details?","start":3762.3801,"end":3764.1602,"sentiment":"neutral","sentiment_score":-0.043012022599577905},{"text":"Okay.","start":3766.695,"end":3767.195,"sentiment":"neutral","sentiment_score":0.006043275818228722},{"text":"So there's two loans, one loan.","start":3767.2551,"end":3769.995,"sentiment":"neutral","sentiment_score":0.0039158896543085575},{"text":"This is the one the main loan.","start":3770.215,"end":3771.975,"sentiment":"neutral","sentiment_score":0.01566869259944984}],"sentiment":"neutral","sentiment_score":-0.05493700114527234,"channel":1,"num_words":27,"start":3754.62,"end":3771.975},{"sentences":[{"text":"This has got a balance of 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I","start":3803.9548,"end":3828.895,"sentiment":"neutral","sentiment_score":0.021433744369254958}],"sentiment":"neutral","sentiment_score":0.02036641226732172,"channel":1,"num_words":32,"start":3803.1548,"end":3828.895},{"sentences":[{"text":"Yep.","start":3828.85,"end":3829.35,"sentiment":"neutral","sentiment_score":0.08704634755849838}],"sentiment":"neutral","sentiment_score":0.08704634755849838,"channel":0,"num_words":1,"start":3828.85,"end":3829.35},{"sentences":[{"text":"still have a 100 I still have a 100 odd thousand 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accurate?","start":3878.6,"end":3879.66,"sentiment":"neutral","sentiment_score":0.10843356139957905}],"sentiment":"neutral","sentiment_score":0.17387996117273966,"channel":0,"num_words":12,"start":3876.28,"end":3879.66},{"sentences":[{"text":"Yep.","start":3879.245,"end":3879.745,"sentiment":"neutral","sentiment_score":0.0750594213604927},{"text":"Yep.","start":3879.8052,"end":3880.2852,"sentiment":"neutral","sentiment_score":0.08218039572238922},{"text":"Same same amount of months.","start":3880.2852,"end":3881.905,"sentiment":"neutral","sentiment_score":0.14490616023540498},{"text":"It was all done around the same time.","start":3881.965,"end":3883.8252,"sentiment":"neutral","sentiment_score":0.11272248160094023}],"sentiment":"neutral","sentiment_score":0.11890336473782857,"channel":1,"num_words":15,"start":3879.245,"end":3883.8252},{"sentences":[{"text":"Perfect.","start":3884.28,"end":3884.78,"sentiment":"positive","sentiment_score":0.46442559361457825},{"text":"Yeah.","start":3886.095,"end":3886.495,"sentiment":"neutral","sentiment_score":0.0803631842136383},{"text":"I think for that, excuse me, that 6% guaranteed offset is just too attractive to pass up at this point.","start":3886.495,"end":3895.395,"sentiment":"negative","sentiment_score":-0.3879306063055992}],"sentiment":"neutral","sentiment_score":-0.3279010612856258,"channel":0,"num_words":22,"start":3884.28,"end":3895.395},{"sentences":[{"text":"Too attractive to pass up to 6%.","start":3898.49,"end":3900.5698,"sentiment":"negative","sentiment_score":-0.5079672847475324},{"text":"Okay.","start":3900.5698,"end":3900.97,"sentiment":"neutral","sentiment_score":-0.04749409854412079},{"text":"Alright.","start":3900.97,"end":3901.47,"sentiment":"neutral","sentiment_score":0.002112900372594595},{"text":"Because once I get once I get rid of the once I get rid of that the Crow's Nest property,","start":3901.69,"end":3907.0698,"sentiment":"neutral","sentiment_score":-0.06909337565302849}],"sentiment":"neutral","sentiment_score":-0.1718282656712008,"channel":1,"num_words":29,"start":3898.49,"end":3907.0698},{"sentences":[{"text":"Yeah.","start":3907.71,"end":3908.21,"sentiment":"neutral","sentiment_score":0.04499401897192001}],"sentiment":"neutral","sentiment_score":0.04499401897192001,"channel":0,"num_words":1,"start":3907.71,"end":3908.21},{"sentences":[{"text":"alright,","start":3908.17,"end":3908.67,"sentiment":"neutral","sentiment_score":0.07140657305717468}],"sentiment":"neutral","sentiment_score":0.07140657305717468,"channel":1,"num_words":1,"start":3908.17,"end":3908.67},{"sentences":[{"text":"Yep.","start":3909.39,"end":3909.765,"sentiment":"neutral","sentiment_score":0.07979264855384827}],"sentiment":"neutral","sentiment_score":0.07979264855384827,"channel":0,"num_words":1,"start":3909.39,"end":3909.765},{"sentences":[{"text":"I think that the $2.01 the 200 odd thousand will go.","start":3911.105,"end":3914.2449,"sentiment":"neutral","sentiment_score":0.06554512205449017},{"text":"Right?","start":3915.425,"end":3915.925,"sentiment":"neutral","sentiment_score":0.02942313440144062},{"text":"And just depends on what my broker says about the remaining the 200 and triple 2,","start":3916.225,"end":3921.765,"sentiment":"neutral","sentiment_score":-0.011971045285463333}],"sentiment":"neutral","sentiment_score":0.019960098301193545,"channel":1,"num_words":28,"start":3911.105,"end":3921.765},{"sentences":[{"text":"Yeah.","start":3921.78,"end":3922.28,"sentiment":"neutral","sentiment_score":0.018542522564530373}],"sentiment":"neutral","sentiment_score":0.018542522564530373,"channel":0,"num_words":1,"start":3921.78,"end":3922.28},{"sentences":[{"text":"the triple 2 triple 2 additional loan, which which has well, which has a 105,000 debit on it or whatever it is.","start":3921.825,"end":3932.92,"sentiment":"neutral","sentiment_score":0.009991110217842188}],"sentiment":"neutral","sentiment_score":0.009991110217842188,"channel":1,"num_words":22,"start":3921.825,"end":3932.92},{"sentences":[{"text":"And a pretty similar amount in credit.","start":3935.3801,"end":3937.855,"sentiment":"neutral","sentiment_score":0.010765611327120237},{"text":"Yeah.","start":3938.4749,"end":3938.9749,"sentiment":"neutral","sentiment_score":0.04339423030614853}],"sentiment":"neutral","sentiment_score":0.014844188699498773,"channel":0,"num_words":8,"start":3935.3801,"end":3938.9749},{"sentences":[{"text":"Yeah.","start":3938.675,"end":3938.995,"sentiment":"neutral","sentiment_score":0.028283240273594856},{"text":"And the remaining the remaining is in credit.","start":3938.995,"end":3941.2551,"sentiment":"neutral","sentiment_score":-0.10311420680955052},{"text":"So I don't know what's the best way to do that.","start":3942.0352,"end":3944.355,"sentiment":"neutral","sentiment_score":-0.20380391315980392},{"text":"He might tell me to off to get rid of it all.","start":3944.355,"end":3946.935,"sentiment":"neutral","sentiment_score":-0.25510694334904355},{"text":"I don't know.","start":3947.235,"end":3947.97,"sentiment":"neutral","sentiment_score":-0.19445723295211792}],"sentiment":"neutral","sentiment_score":-0.1909465279430151,"channel":1,"num_words":35,"start":3938.675,"end":3947.97},{"sentences":[{"text":"Yeah.","start":3949.115,"end":3949.4348,"sentiment":"neutral","sentiment_score":-0.04960371181368828},{"text":"If it comes somewhere you do just clear all debt, give me a call and I'll find some way to park it to get you a slightly higher interest rate than what the cash is paying, but","start":3949.4348,"end":3964.49,"sentiment":"neutral","sentiment_score":-0.03046326298971434}],"sentiment":"neutral","sentiment_score":-0.030966959011397864,"channel":0,"num_words":38,"start":3949.115,"end":3964.49},{"sentences":[{"text":"So","start":3964.0452,"end":3964.5452,"sentiment":"neutral","sentiment_score":-0.09083646535873412}],"sentiment":"neutral","sentiment_score":-0.09083646535873412,"channel":1,"num_words":1,"start":3964.0452,"end":3964.5452},{"sentences":[{"text":"the offset's","start":3964.49,"end":3965.23,"sentiment":"neutral","sentiment_score":-0.09768006578087807}],"sentiment":"neutral","sentiment_score":-0.09768006578087807,"channel":0,"num_words":2,"start":3964.49,"end":3965.23},{"sentences":[{"text":"what do you mean?","start":3965.325,"end":3965.965,"sentiment":"neutral","sentiment_score":-0.12081741727888584},{"text":"Tell me what do you mean?","start":3965.965,"end":3967.0051,"sentiment":"neutral","sentiment_score":-0.12445042158166568},{"text":"Tell me what","start":3967.0051,"end":3967.565,"sentiment":"neutral","sentiment_score":-0.1262693777680397}],"sentiment":"neutral","sentiment_score":-0.12375233322381973,"channel":1,"num_words":13,"start":3965.325,"end":3967.565},{"sentences":[{"text":"the best","start":3967.355,"end":3967.755,"sentiment":"neutral","sentiment_score":-0.12464648857712746}],"sentiment":"neutral","sentiment_score":-0.12464648857712746,"channel":0,"num_words":2,"start":3967.355,"end":3967.755},{"sentences":[{"text":"do you mean?","start":3967.565,"end":3968.225,"sentiment":"neutral","sentiment_score":-0.09947632004817326}],"sentiment":"neutral","sentiment_score":-0.09947632004817326,"channel":1,"num_words":3,"start":3967.565,"end":3968.225},{"sentences":[{"text":"place at the moment.","start":3967.755,"end":3968.555,"sentiment":"neutral","sentiment_score":-0.06754270195960999},{"text":"So if you get to a point where property sale, property purchase leaves you kind of debt free with cash burning a hole in the 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I'm looking at maybe at best getting $7.30, seven forty.","start":3986.5,"end":3992.28,"sentiment":"neutral","sentiment_score":-0.202704364603216},{"text":"That will clear that will clear my debt, but then I still have to borrow money to buy the PPR.","start":3993.015,"end":3999.595,"sentiment":"neutral","sentiment_score":-0.30677474960684775}],"sentiment":"negative","sentiment_score":-0.3481943382080211,"channel":1,"num_words":43,"start":3979.94,"end":3999.595},{"sentences":[{"text":"Yeah.","start":4000.335,"end":4000.835,"sentiment":"neutral","sentiment_score":0.00371343269944191}],"sentiment":"neutral","sentiment_score":0.00371343269944191,"channel":0,"num_words":1,"start":4000.335,"end":4000.835},{"sentences":[{"text":"Alright?","start":4002.295,"end":4002.795,"sentiment":"neutral","sentiment_score":0.03780481964349747},{"text":"So at the moment, the the suggested number I should be looking at is about $8.50, but unless I buy a 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They also discuss their investment strategy, retirement plans, and tax account, while emphasizing the importance of avoiding double-digit returns on the stock market and credit funds. They mention their desire to grow their super and maximize their return, while also discussing their retirement plans, savings, and tax account. They express their desire to buy a property and clear a loan, while also focusing on improving their performance and reducing negative cash flow. They also mention their upcoming audit and a new service agreement."},"intents":{"segments":[{"text":"James, tell me here, mate. How you been? I'm good. Thanks, mate. How are you? I'm living the dream so far. I'm a a little bit lacking on sleep at the moment. I do apologize, but otherwise, in great spirits.","start_word":3,"end_word":42,"intents":[{"intent":"Check well-being","confidence_score":0.008628957}]},{"text":"Thanks, mate. How are you? I'm living the dream so far. I'm a a little bit lacking on sleep at the moment. I do apologize, but otherwise, in great spirits. Oh, Great to be chatting to you today. good. Likewise.","start_word":13,"end_word":52,"intents":[{"intent":"Express appreciation","confidence_score":0.01214614}]},{"text":"I do apologize, but otherwise, in great spirits.","start_word":35,"end_word":42,"intents":[{"intent":"Express apologies","confidence_score":0.00075107533}]},{"text":"Well, that's the main thing is as as long as the little the little ones are good and good health and mom's good health and the Yeah.","start_word":182,"end_word":208,"intents":[{"intent":"Discuss family's well-being","confidence_score":0.005939396}]},{"text":"Now while I've got you, James, I'm gonna pop through this email to you, and I'll just go Yep. through the usual quick security check with you. 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We are using a bit of technology at the moment with that new system that we're using. And the main holdup for us is always paperwork, trying to generate thousands of pages of paperwork. So the quicker we can do that, Yeah.","start_word":418,"end_word":469,"intents":[{"intent":"Streamline paperwork","confidence_score":0.0000095283685}]},{"text":"So I have put in there for the AMZ to be doing some rollovers every six months just with the Right.","start_word":585,"end_word":605,"intents":[{"intent":"Update amz","confidence_score":0.016149297}]},{"text":"I have dropped down your risk level to that more moderate level we were talking about from 60% to 50% growth assets. Yeah.","start_word":639,"end_word":661,"intents":[{"intent":"Assist with risk management","confidence_score":0.000094709714}]},{"text":"I think the volatility around March was a lot more extreme than what it currently is. I see the upcoming news events to create further shocks, but I don't see anything where it's more volatile than it was a few months ago. So if we were to take if we were to take the last ten months or the last twelve months, how has how has the market performed in that?","start_word":836,"end_word":906,"intents":[{"intent":"Evaluate market performance","confidence_score":0.38043532}]},{"text":"If we experience something quite major, it could be kind of double the size, which I would then expect us to hit a little bit into the double digit space just. What's the likelihood of that? Probably about 25%, maybe a little bit less. Okay. So if we were if we were to look from the peak from the peak to where we are now, what's the drop? Or are we are we ahead? No.","start_word":1067,"end_word":1141,"intents":[{"intent":"Analyze volatility","confidence_score":0.10895215}]},{"text":"then you've got 10% in high interest cash. You have 15 in, like, term deposits, another Yeah.","start_word":1434,"end_word":1450,"intents":[{"intent":"Check balance","confidence_score":0.00015201347}]},{"text":"then you've got 10% in high interest cash. You have 15 in, like, term deposits, another Yeah. 10 in That's bonds. fine. So let's call it 10% in high cash, 25 Fifteen twenty five in 30 fixed five. interest. About 35. Yeah? Yep. Yeah. Okay. Now we're gonna push that to around about the 50 mark in terms of mainly fixed interest and bonds. Yeah. Okay.","start_word":1434,"end_word":1499,"intents":[{"intent":"Adjust interest rates","confidence_score":0.022667205}]},{"text":"Well, let's hope so given the way the market is at the man at I've the moment. had to do a bit of a change to one of your defensive assets.","start_word":1553,"end_word":1583,"intents":[{"intent":"Consider policy changes","confidence_score":0.00032603604},{"intent":"Discuss rba change","confidence_score":0.003261671}]},{"text":"Well, you may have. I I just can't remember it. I know we talked about that you were gonna make the adjustments to be a bit more conservative. Alright.","start_word":1601,"end_word":1629,"intents":[{"intent":"Make adjustments","confidence_score":0.024001082}]},{"text":"switching to something a bit more inflation linked. So Yeah.","start_word":1663,"end_word":1672,"intents":[{"intent":"Discuss inflation linked changes","confidence_score":0.01859559}]},{"text":"don't mean to use the buzzwords, but diversification is gonna be key for Yep. the next twelve months for you.","start_word":1748,"end_word":1767,"intents":[{"intent":"Discuss diversification","confidence_score":0.2954922}]},{"text":"My property manager and my friend just said, look, probably $7.40 is really ideal. We won't be pushing it. If we get $7.50, it'll be good.","start_word":2048,"end_word":2073,"intents":[{"intent":"Negotiate property size","confidence_score":0.0012476287}]},{"text":"So from a market point of view, I probably have a chance to be like you said, it's ideal for the first home buyer rather than an investor. So we're gonna try and target it that way. So if we look at it, I'm probably being realistic. I'll be looking, what, 07:30, 07:40 if we can get $7.50 be ideal. K. Okay.","start_word":2130,"end_word":2191,"intents":[{"intent":"Target","confidence_score":0.04979613}]},{"text":"The the whole the whole purpose of it, what is what the property strategist is trying to do is minimize the residual the residual cost I have. In other words, the debt I'll have to carry from the borrowing from from the seller property then borrowing the money to get myself into that property at Yeah.","start_word":2191,"end_word":2246,"intents":[{"intent":"Minimize and hold property","confidence_score":0.00066137983}]},{"text":"I still have to have a session with herself to to to do the second part, but I need to give an update.","start_word":2293,"end_word":2315,"intents":[{"intent":"Give update","confidence_score":0.23817962}]},{"text":"She'd like me to get rid of my property and and into a new one, you know, within the next six months because, one, I've already made the money on my existing property, the unit. She said, Yeah.","start_word":2326,"end_word":2363,"intents":[{"intent":"Get rid of property","confidence_score":0.03971095}]},{"text":"down as an anchor, get you into a place, and Yep. either maintain that one good investment or capitalize on it when it's appropriate to do so.","start_word":2434,"end_word":2460,"intents":[{"intent":"Capitalize on position","confidence_score":0.001371461}]},{"text":"either maintain that one good investment or capitalize on it when it's appropriate to do so.","start_word":2445,"end_word":2460,"intents":[{"intent":"Maintain investment","confidence_score":0.4552931}]},{"text":"It was kinda like because I just had my mind fixated on on having as many properties as I could because I just needed to I just wanted this situation being able to fund my retirement from a passive perspective. Yes.","start_word":2495,"end_word":2535,"intents":[{"intent":"Arrange retirement plan","confidence_score":0.00012909897}]},{"text":"I don't wanna really touch my super as in leaning on it right now. I just wanted to grow as much as I can. Yeah.","start_word":2860,"end_word":2884,"intents":[{"intent":"Grow super super","confidence_score":0.04905467}]},{"text":"So, I mean, I'm open to to various thought patterns that you may have around the strategy on on using my super.","start_word":2938,"end_word":2959,"intents":[{"intent":"Recommend strategies","confidence_score":0.0041812453}]},{"text":"I think this is a point in your life where if we take on any unnecessary risks, there could be a a definitely an element of regret that could come up from that. Whereas Right.","start_word":2990,"end_word":3024,"intents":[{"intent":"Discuss unnecessary risks","confidence_score":0.0013510397}]},{"text":"you're one of those people there where if I can finish off that last period of growth without a huge loss, Yeah.","start_word":3062,"end_word":3083,"intents":[{"intent":"Finish growth","confidence_score":0.0037986166}]},{"text":"then you will be in a very comfortable position where you're not gonna have to worry too much about the money side of things with the PPR and with the funds that you can tap into over time for Yeah.","start_word":3084,"end_word":3123,"intents":[{"intent":"Express comfort level","confidence_score":0.0016973484}]},{"text":"then you will be in a very comfortable position where you're not gonna have to worry too much about the money side of things with the PPR and with the funds that you can tap into over time for Yeah. decades.","start_word":3084,"end_word":3124,"intents":[{"intent":"Discuss financial considerations","confidence_score":0.003068679}]},{"text":"on the flip side, I remember during COVID when defensive portfolios were not as defensive as people thought they were. Yes.","start_word":3157,"end_word":3177,"intents":[{"intent":"Discuss portfolios versus covid","confidence_score":3.3081957e-7}]},{"text":"So not to be a bearer of fear, but my main thing is to get a seven or 9% return is quite easy to do.","start_word":3218,"end_word":3242,"intents":[{"intent":"Discuss potential returns","confidence_score":0.023899876}]},{"text":"So just on what we've just discussed then, tell me what what are your thoughts in terms of what we're at this point and what do we do? We keep going the way we're going with your with your active management on my super and me just getting into a PPR for the time being. Is is that what you would concur with, or where have you A got 100 other percent. thoughts you would like to share?","start_word":3266,"end_word":3343,"intents":[{"intent":"Share thoughts and goals","confidence_score":0.0010128716}]},{"text":"I mean, do you guys offer an accounting practice that can help me?","start_word":3641,"end_word":3653,"intents":[{"intent":"Offer accounting practice","confidence_score":0.006814789}]},{"text":"thing you want to be doing is trying to go back and redo previous Yeah. tax returns.","start_word":4253,"end_word":4269,"intents":[{"intent":"Request tax return assistance","confidence_score":0.00096284214}]},{"text":"Give me a few days to think through, and Yeah.","start_word":4357,"end_word":4366,"intents":[{"intent":"Request call back","confidence_score":0.0002301073}]},{"text":"Yeah.","start_word":4783,"end_word":4783,"intents":[{"intent":"Open communication lines","confidence_score":0.0009789024}]},{"text":"But I Let I just me I reach just out want to them, and I'll yeah. see Could who's you do got that? some availability to speak Yeah.","start_word":4786,"end_word":4813,"intents":[{"intent":"Reach out to individuals","confidence_score":0.16622697}]},{"text":"If you could just give me a lead in on on to whoever as well to so they'll rather than it becoming a cold call. Yeah?","start_word":4814,"end_word":4839,"intents":[{"intent":"Provide lead","confidence_score":0.10333756}]},{"text":"And I'm dealing with one of their best investment property investment strategist there by the name of Polly Chu, c h u. You probably could look her up.","start_word":4911,"end_word":4938,"intents":[{"intent":"Talk with polly chuch","confidence_score":0.00004112057}]},{"text":"I mean, my partner operates like that. She doesn't wanna know the details, but I do. So I've I've also I've also been riding her back in a hotel to tell her she needs to talk to you guys about her super.","start_word":5010,"end_word":5051,"intents":[{"intent":"Talk to partner","confidence_score":0.007926588}]},{"text":"I've currently run I currently, as you know, with my work super with ANZ through my organization, I've got an insurance component on that. It's a salary continuance insurance. Yeah.","start_word":5221,"end_word":5250,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.019293908}]},{"text":"then And generally, then consolidate they it they once. generally give you the option. Right? Generally, they'll give you the option if you move on to continue it. Yeah.","start_word":5671,"end_word":5699,"intents":[{"intent":"Consolidate policy","confidence_score":0.040621888}]},{"text":"And I think what we were talking about was keeping it going at least for the time being, but once all the debts are cleared and the super is built up and you don't need the lump sum cover on top, you get Yeah.","start_word":5700,"end_word":5743,"intents":[{"intent":"Maintain coverage","confidence_score":0.13598788}]},{"text":"I pay $40.75 a fortnight. That's right.","start_word":6277,"end_word":6283,"intents":[{"intent":"Confirm salary","confidence_score":0.0035829965}]},{"text":"My documents. Because if I can even find the type of name, I can look up a product disclosure statement Yeah.","start_word":6438,"end_word":6458,"intents":[{"intent":"Find documents","confidence_score":0.19215405}]},{"text":"I'm just having a look through some of our archives in the meantime. Okay.","start_word":6482,"end_word":6495,"intents":[{"intent":"Review archives","confidence_score":0.034040328}]},{"text":"And when was that document dated?","start_word":6830,"end_word":6835,"intents":[{"intent":"Clarify documents","confidence_score":0.0006975975}]},{"text":"So let me tell you exact date. This one is the thirtieth sorry. June 30 last year. That's right.","start_word":6847,"end_word":6865,"intents":[{"intent":"Ask details","confidence_score":3.7696782e-7}]},{"text":"How what what's the benefit of doing that? So, normally, whenever you have any type of pension account, the Yeah. the income that comes out is already tax free after 60, but it switches the earnings on the investments into being tax free as well. Right.","start_word":7539,"end_word":7584,"intents":[{"intent":"Define benefits","confidence_score":0.00019750342}]},{"text":"You don't necessarily need to use a full platform because we're not trying to grow 50,000 to be 500,000 over the period of ten plus years. Yeah.","start_word":7928,"end_word":7954,"intents":[{"intent":"Explain platform benefits","confidence_score":0.008267626}]},{"text":"Whereas on the flip side, the bank savings rates of five creeping up to 6% and even Yep. credit funds, which are paying almost 7%, pretty much guaranteed returns. To try and get Right.","start_word":8240,"end_word":8273,"intents":[{"intent":"Evaluate bank savings rates","confidence_score":0.09159702}]},{"text":"There there's a second loan that has a balance of a $105,172.68, and that has an interest rate of that that was for a full amount of $222,222 exact, and I Yep. still have a 100 I still have a 100 odd thousand credit. Okay.","start_word":8944,"end_word":8988,"intents":[{"intent":"Use second loan","confidence_score":0.012394824},{"intent":"Discuss past loan","confidence_score":0.000018322731},{"intent":"Determine current loan plan","confidence_score":0.0000013547832}]},{"text":"And the rate on this one is 6.28. And is that fixed?","start_word":9006,"end_word":9017,"intents":[{"intent":"Explain interest rate and interest rate","confidence_score":0.00017597168},{"intent":"Understand current interest rate","confidence_score":0.004543112}]},{"text":"I'll call that thirty years as well. Would that be accurate? Yep.","start_word":9070,"end_word":9081,"intents":[{"intent":"Call thirty years","confidence_score":0.054410327}]},{"text":"Because once I get once I get rid of the once I get rid of that the Crow's Nest property, Yeah.","start_word":9127,"end_word":9147,"intents":[{"intent":"Arrange future loan to be disposed","confidence_score":6.4169203e-9}]},{"text":"I think that the $2.01 the 200 odd thousand will go. Right?","start_word":9150,"end_word":9161,"intents":[{"intent":"Clarify future loan amount","confidence_score":0.0006414267}]},{"text":"The the thing, Tommy, was the emotional part of me wanted to hang on to those properties because I wanted to build up a portfolio of properties.","start_word":9754,"end_word":9780,"intents":[{"intent":"Build portfolio","confidence_score":0.17883879}]},{"text":"essentially moving into a cash flow direction where Yeah.","start_word":9948,"end_word":9956,"intents":[{"intent":"Transfer into cash flow","confidence_score":0.000065827524}]},{"text":"of major decision you would like me to come back to you on in terms of disposing Well of these policies, restructuring, or keeping them?","start_word":10080,"end_word":10104,"intents":[{"intent":"Discuss policy decisions","confidence_score":0.19226046}]}]},"sentiments":{"segments":[{"text":"Hey. Tell me. James, tell me here, mate. How you been?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.09428470581769945},{"text":"I'm good. Thanks, mate. How are you? I'm living the dream so far.","start_word":11,"end_word":23,"sentiment":"positive","sentiment_score":0.5078845024108887},{"text":"I'm a a little bit lacking on sleep at the moment. I do apologize, but otherwise, in great spirits.","start_word":24,"end_word":42,"sentiment":"neutral","sentiment_score":-0.11286229640245438},{"text":"Oh, Great to be chatting to you today. good.","start_word":43,"end_word":51,"sentiment":"positive","sentiment_score":0.5327550768852234},{"text":"Likewise. Likewise. Yeah.","start_word":52,"end_word":54,"sentiment":"neutral","sentiment_score":0.23151272535324097},{"text":"It it's just good to catch up and move things along from where we were Absolutely.","start_word":55,"end_word":70,"sentiment":"positive","sentiment_score":0.4204844832420349},{"text":"last time. Couple of weeks ago, a month or two. Yeah. Yep. Just around the same time as the the old baby came out and everything like that. So we've Oh, got on that note, how's the little one?","start_word":71,"end_word":109,"sentiment":"neutral","sentiment_score":0.05919167026877403},{"text":"Josh, she's doing fantastic. She's at a point now where she's rolling over and smiling and Right.","start_word":110,"end_word":126,"sentiment":"positive","sentiment_score":0.44349420070648193},{"text":"giggling and all that kind of thing, so Okay. she's keeping Okay. her brothers occupied. So she's in a routine now? Yeah. Yeah.","start_word":127,"end_word":149,"sentiment":"neutral","sentiment_score":0.1232772246003151},{"text":"Everything's pretty well routine and stable in terms of sleep and feeding and growing and all the rest of it.","start_word":150,"end_word":169,"sentiment":"positive","sentiment_score":0.40218421816825867},{"text":"So no health concerns or anything, to be honest. Right. Okay. Okay. Well, that's the main thing is as as long as the little the little ones are good and good health and mom's good health and the Yeah. family's sort of moving along. Absolutely. Now while I've got you, James, I'm gonna pop through this email to you, and I'll just go Yep. through the usual quick security check with you. Yeah. All good. All good. I'm just gonna Could see. I just grab your date of birth and address? Three zero zero four six three. Sensational and residential It's address. just 20811 Victoria Street, New South Wales, Roseville 2069. Just that documents come Sensational. through now. Perfect. And while we're on the topic of Victoria, I believe the the election's coming up soon, isn't it? Yeah. October. I think October, November. Cool. Awesome. Alright. So Yeah. I So know we're hopefully keeping our things eyes will closed change. on it. The signature. Sign all. And then today's date. Done. Next document. Next document. Yep. So those Right. two are just our updated service guides that we've got now with all the new licensing details and everything that we've updated in June June, Okay. July. It's loading. How's business like business wise for you guys? It's Download.","start_word":170,"end_word":387,"sentiment":"neutral","sentiment_score":0.0906707501602829},{"text":"it's going pretty great at the moment. We have our new structure that we've been doing since Christmas time with pods of teams that work very closely together, and Right. things are moving a lot faster, a lot more efficient.","start_word":388,"end_word":427,"sentiment":"positive","sentiment_score":0.4499717354774475},{"text":"We are using a bit of technology at the moment with that new system that we're using. And the main holdup for us is always paperwork, trying to generate thousands of pages of paperwork. So the quicker we can do that, Yeah. the quicker Yeah.","start_word":428,"end_word":472,"sentiment":"neutral","sentiment_score":0.12878212332725525},{"text":"we can have the good conversations and move on and actually Yeah. get things going.","start_word":473,"end_word":487,"sentiment":"positive","sentiment_score":0.4483073651790619},{"text":"I get it. I get it. Yeah. It's just 36707. That one's come through signed for me, James, so thank you for doing that. I'll Okay. pass that off to the team. And you should get an email with a signed copy of those documents as well. Yeah. I'm not sure. Let me quickly double check. Yep. Something's come back through. Signed request. Okay. Signed. Signed document. Yep.","start_word":488,"end_word":555,"sentiment":"neutral","sentiment_score":0.16163884103298187},{"text":"Perfect.","start_word":556,"end_word":556,"sentiment":"positive","sentiment_score":0.34879499673843384},{"text":"Okay. I might just quickly update you on what I'm doing, and then Right. we can swing over to the property chat if that's okay. Yep.","start_word":557,"end_word":582,"sentiment":"neutral","sentiment_score":0.14642800390720367},{"text":"All good.","start_word":583,"end_word":584,"sentiment":"positive","sentiment_score":0.38801538944244385},{"text":"So I have put in there for the AMZ to be doing some rollovers every six months just with the Right. high level Okay. of contributions you've got. I'll have that Yep. as a reminder for the team to move that twice per year so that Okay. will go a little bit quicker. Yep. I have dropped down your risk level to that more moderate level we were talking about from 60% to 50% growth assets. Yeah. Just just on just on that particular point, Tommy. Quick question. Given and and and and this is more from my my space the way I speak because I'm I'm in the risk management space. Given the way the market is at the moment, we're quite unstable, everything, and given that I've actively got only, what, three, three and a half years left for official retirement, not that Yeah. I want to, but I'm gonna be placed in that worst case scenario if it happens. With the exposure of 50%, is that too much? It depends on when when when when. If you stay in 50% and something major happened six months before we want to access the funds, that can be quite a delay of about twelve to eighteen months. If it happens in the next six months, you're pretty well fine. Okay. Do you do you think the market is too volatile given what's happened at a global global level and It's geopolitical actually risks and all that type of thing? yeah. I think the volatility around March was a lot more extreme than what it currently is. I see the upcoming news events to create further shocks, but I don't see anything where it's more volatile than it was a few months ago. So if we were to take if we were to take the last ten months or the last twelve months, how has how has the market performed in that? And I guess I'm talking around my my investment in the super space given what's been happening. I'm just trying to ascertain, am I being is my exposure too much? Is my exposure just right? Does it mean that if something happens, is the time frame I've got left for working is sufficient?","start_word":585,"end_word":959,"sentiment":"neutral","sentiment_score":-0.1123310451110204},{"text":"Because that's that's my fear right now.","start_word":960,"end_word":966,"sentiment":"negative","sentiment_score":-0.4666714668273926},{"text":"You get it, Tom? Tell me. Yeah. I'm with you. I'm having a look at the Yep. I usually use a bit of a peak to trough as an example for you. Yep. So you had a peak to trough drop of about 9%, Right. When which was the peak? When was the peak? January 16 to March 23 is kind of that couple of months, just Yep. over Yep. two months Yep. where it happens. Yep. Dropping it down the way we're doing would have gotten that to more around the 6% mark, which Right.","start_word":967,"end_word":1062,"sentiment":"neutral","sentiment_score":0.02485637366771698},{"text":"is pretty good.","start_word":1063,"end_word":1065,"sentiment":"positive","sentiment_score":0.4300059974193573},{"text":"If we experience something quite major, it could be kind of double the size, which I would then expect us to hit a little bit into the double digit space just. What's the likelihood of that? Probably about 25%, maybe a little bit less. Okay. So if we were if we were to look from the peak from the peak to where we are now, what's the drop? Or are we are we ahead? No. We're ahead now. It's had enough of a bounce back that it's into the positive. Okay. Yeah. Okay. Actually, let me just have a quick look at So some so just while you're at it, Tommy, if you look at it, if we take it from the January 1, what's the growth that we've had to year to date? It's just clear 5%. Okay. So so what's it now? September. October, November, December. So if we look at it, we're probably looking what's it best we're looking at? Six to 7% by year end? Yes. Exactly right. Okay.","start_word":1066,"end_word":1238,"sentiment":"neutral","sentiment_score":-0.004686844069510698},{"text":"So in other words, we're a little bit worse off than we were last year.","start_word":1239,"end_word":1253,"sentiment":"negative","sentiment_score":-0.47125402092933655},{"text":"Correct. Which I think we had the drop down to balance So I think last towards yeah. Last the end of year, last we year. got nine plus percent, didn't we? Nine Yeah. Correct. yeah. One other thing to factor into when it comes to the volatility is as we swing you down to 60% growth assets, 50% growth assets, you're also Yeah. getting buoyed up by the income returns. So the dividends of the stocks, the term Yeah. deposit Yeah. yields, the bond yields. So that's pushed it to the point where you're looking at single digit volatility for the same period of about three to five Right. percent, but still Yeah. hitting that seven to nine average. Okay. Okay. So that's Alright. gonna minimize it quite a bit, I think. Okay. What so so if we look at from the from the cash investments, how much of my holdings are sitting in cash at the moment? At the moment, you've got the 1.1% in the cash account, which is like a bank account alongside it, and Yeah. then you've got 10% in high interest cash. You have 15 in, like, term deposits, another Yeah. 10 in That's bonds. fine. So let's call it 10% in high cash, 25 Fifteen twenty five in 30 fixed five. interest. About 35. Yeah? Yep. Yeah. Okay. Now we're gonna push that to around about the 50 mark in terms of mainly fixed interest and bonds. Yeah. Okay. Alright. Okay. The cash will Alright. sit at about 20. Okay. Okay. K? So those ones still four to six would be the aim for that portion. And if you can Yeah. get that kind of nine or 10 from the growth assets, that still hits you the 7% average or above. Yeah. Alright. Well, let's hope so given the way the market is at the man at I've the moment. had to do a bit of a change to one of your defensive assets. I don't know if you recall Yeah. when I talked to you about the bank hybrids. No. Well, you may have. I I just can't remember it. I know we talked about that you were gonna make the adjustments to be a bit more conservative. Alright. Yeah. It's But the only no. switch Okay. I'm doing is that Yeah. we're trimming some of the growth assets to put them in the defensive, but the bank hybrids Yep. we're Yep. switching to something a bit more inflation linked. So Yeah. if inflation stays high, you'll benefit from that as well. Yeah. Yep. Yep. Yeah. Oh, yeah. I think it will be for for a couple of months anyway. Because Yeah. the RBA And the is already government's talking phasing a bit. out these hybrids. The RBA is gonna raise interest rates again to try and curve it. Yeah. I think either way, we're gonna get some benefits from a few different spaces, which I Great. don't mean to use the buzzwords, but diversification is gonna be key for Yep. the next twelve months for you. Yep. Yep.","start_word":1254,"end_word":1769,"sentiment":"neutral","sentiment_score":0.03431215966770122},{"text":"Sounds sounds good. Sounds logical.","start_word":1770,"end_word":1774,"sentiment":"positive","sentiment_score":0.46341994404792786},{"text":"Alright.","start_word":1775,"end_word":1775,"sentiment":"neutral","sentiment_score":0.3147699534893036},{"text":"Okay. Thanks for doing all that. Appreciate it.","start_word":1776,"end_word":1783,"sentiment":"positive","sentiment_score":0.6112029701471329},{"text":"No. That's alright. I'll keep an eye on it as always. And, again, I'll I'll try and get some catch ups Yep. at a good interval in time, but any changes when it comes to the equity release and property for you? Yeah. Okay. So I've been speaking to a if you wanna call it properties property investment strategist. And I'm waiting we we had one meeting, so I'm waiting for the final. But the initial step at the moment is she's she wants me to offload my Crow's Nest property and get a print a principal place of residence. I like the sound of Okay? that. Okay. So I've engaged my my current property manager who's managing my property, Yep. and he's he's a friend. So I'm just waiting for him now to come back with his proposal. Yep. One one, I'll save a bit on on the fees because of being a friend. He said he'll look after me. K. And second thing is I've asked him to help me for a look out. So I'm looking I'm looking at a at the moment based on the numbers that that property that property strategy and I went through. She said, look. We should be looking for a property around about eight 08:50. And I said, well, this is a Sydney market. With me pushing all the way outside of Sydney, it's gonna be a problem. So I think she said the upper limit's $9.50 K. at this point in time, but that's on the basis that I can get $7,474,747.50 top end. My property manager and my friend just said, look, probably $7.40 is really ideal. We won't be pushing it. If we get $7.","start_word":1784,"end_word":2070,"sentiment":"neutral","sentiment_score":0.06726627051830292},{"text":"50, it'll be good.","start_word":2070,"end_word":2073,"sentiment":"positive","sentiment_score":0.357467383146286},{"text":"Yep. But I wanna move because Crows Nest at the moment, it's got a lot of development going on now because of this New South Wales state government's, you know, the TOD and all the zoning for properties being near Wales infrastructure. Yep.","start_word":2074,"end_word":2116,"sentiment":"neutral","sentiment_score":0.07973986864089966},{"text":"Perfect.","start_word":2117,"end_word":2117,"sentiment":"positive","sentiment_score":0.3336532711982727},{"text":"So my property is an older one. It's a one bedroom. So from a market point of view, I probably have a chance to be like you said, it's ideal for the first home buyer rather than an investor.","start_word":2118,"end_word":2156,"sentiment":"neutral","sentiment_score":0.18546155219276747},{"text":"So we're gonna try and target it that way.","start_word":2157,"end_word":2165,"sentiment":"positive","sentiment_score":0.3793617784976959},{"text":"So if we look at it, I'm probably being realistic. I'll be looking, what, 07:30, 07:40 if we can get $7.50 be ideal. K. Okay. The the whole the whole purpose of it, what is what the property strategist is trying to do is minimize the residual the residual cost I have. In other words, the debt I'll have to carry from the borrowing from from the seller property then borrowing the money to get myself into that property at Yeah. the moment. For the time being for the time being, the way she's working is she says, look. Let's look initially at holding the Melbourne property. Okay? So Yep. that that's what we're we're going to do at the moment. Right? So we'll we'll just see. I still have to have a session with herself to to to do the second part, but I need to give an update. That's what I'm planning to do. So that's a plan. She'd like me to get rid of my property and and into a new one, you know, within the next six months because, one, I've already made the money on my existing property, the unit. She said, Yeah. look. It's not worthwhile chasing more because the longer you chase it, the longer you wait, which means the value of the buying side of it also goes up, and I'm paying more rent. So that's the plan. That's the plan. I think that's sounding pretty good because we wanted to try and end with, again, trying to get out of that negatively geared property that's been weighing you Yep. down as an anchor, get you into a place, and Yep. either maintain that one good investment or capitalize on it when it's appropriate to do so. So it's Yes. sounding like we've finally got some openings there, whereas six to twelve months ago, there wasn't much opportunity to move around, and you were kind of stuck with it. Yeah. It was kinda like because I just had my mind fixated on on having as many properties as I could because I just needed to I just wanted this situation being able to fund my retirement from a passive perspective. Yes. And I think I think given what's what she should be in numbers, the reality is I think it's highly unlikely at the moment. So so at best, I probably, if I can, is have one property at the moment with my own PPR. So she said, look, if you can get into your PPR now, you use one, you save on the rent you're paying, which is about 3,200. It's gonna go up again. It's gonna go up because of the rental market. So I'm really fortunate that I'm only paying 800 at the moment, but my property manager who who looked after me, he got me into this property. He's no longer the property manager. He just Yeah. said to me, look. Just just be ready for an increase in the rent. You've had a good run. So I'm hoping it doesn't happen, but the chances are are very low that the rental the rent will stay the same. It'll definitely go up. Yeah. So when I'm paying what I'm paying $808,100 dollars at the moment. Worst case scenario, I probably might be paying $8.50, $8.60, which is another 200 K. another 200 a month. But at the moment, my plan is is not get that, but I just have to bank that they'll be the case. So if I can get my own property, at least I can put that money towards the PPR. Yeah. Yep. And I think given what you can generate from the super, which is why we're going to the protection Yeah. route, Yeah. with the Yeah. PPR Yeah. there, that solves a lot of the cash flow issues that we were worrying about. Yeah.","start_word":2166,"end_word":2816,"sentiment":"neutral","sentiment_score":0.00015520859229308304},{"text":"Yeah. So now that's one big positive is that, you know, I'm grateful that, you know, I hope you've been able to help me manage and grow that super fund over the last three years for me, and I'm happy about that.","start_word":2817,"end_word":2858,"sentiment":"positive","sentiment_score":0.7075909972190857},{"text":"I don't wanna really touch my super as in leaning on it right now. I just wanted to grow as much as I can. Yeah. So that's something that I've got. But then again, you know, I'm open to any other opportunities. I know that the SMSF component of using Super to buy property now, the door has been shut on that by the government. So I I don't know what you would recommend going forward on that side. So, I mean, I'm open to to various thought patterns that you may have around the strategy on on using my super. I I don't know what you would suggest, Tommy. Or do we keep going the path we're going or do we look at opportunities to grow that super even further?","start_word":2859,"end_word":2989,"sentiment":"neutral","sentiment_score":0.009740179404616356},{"text":"I think this is a point in your life where if we take on any unnecessary risks, there could be a a definitely an element of regret that could come up from that.","start_word":2990,"end_word":3022,"sentiment":"negative","sentiment_score":-0.5088486075401306},{"text":"Whereas Right.","start_word":3023,"end_word":3024,"sentiment":"neutral","sentiment_score":0.06094587966799736},{"text":"I feel like you're in a position where the confidence and probability levels of hitting those goals that we're aiming for is becoming a closer certainty every month that we get closer to those dates.","start_word":3025,"end_word":3059,"sentiment":"positive","sentiment_score":0.49144887924194336},{"text":"So Okay.","start_word":3060,"end_word":3061,"sentiment":"neutral","sentiment_score":0.3080615699291229},{"text":"you're one of those people there where if I can finish off that last period of growth without a huge loss, Yeah. then you will be in a very comfortable position where you're not gonna have to worry too much about the money side of things with the PPR and with the funds that you can tap into over time for Yeah.","start_word":3062,"end_word":3123,"sentiment":"positive","sentiment_score":0.36481910943984985},{"text":"decades. The risk that I've got is if we go into anything hyper specific, like, for Okay. example, Yep. a commercial property with your super, that Yep. could Yep. us back. And Yep. on the flip side, I remember during COVID when defensive portfolios were not as defensive as people thought they were. Yes. So I had people who had moved from, you know, in New Zealand with a million dollars, and their defensive conservative portfolios were dropping into the double digits, and they were losing $2,300,000 at the finish line. Jeez. Okay. Okay. So not to be a bearer of fear, but my main thing is to get a seven or 9% return is quite easy to do. When the market goes up, I need to make sure that there's no significant losses in those Right. next Okay. three years. Okay. So just on what we've just discussed then, tell me what what are your thoughts in terms of what we're at this point and what do we do? We keep going the way we're going with your with your active management on my super and me just getting into a PPR for the time being. Is is that what you would concur with, or where have you A got 100 other percent. thoughts you would like to share? Okay. I don't think we should do anything sort of tricky or flash outside of that. I think once we've Right. gotten you to that 750,000 coming on 800 Yeah. thousand mark is we start transitioning it into something quite safe so that the capital is preserved. Yeah. Okay. Okay. From from a taxation perspective, is there anything you could think of? Because I've one of the other thing is, Tommy, I how would I put it? My current tax accountant does my job. She's in Brisbane. She's up at Sanford, but I don't think she's doing a lot for me. Yeah. She prepares my tax and that's about it. Right? And and and I don't know.","start_word":3124,"end_word":3460,"sentiment":"neutral","sentiment_score":-0.0030553088100621537},{"text":"She's not giving me much guidance and things like that.","start_word":3461,"end_word":3470,"sentiment":"negative","sentiment_score":-0.3489994704723358},{"text":"So I really wanna find someone who, you know, a a tax account and a tax account that can help me a bit in terms of trying to maximize what I can do in the next three years given the situation I'm facing. Yeah. I think well, because you'll have these properties bouncing between this financial year, Yep. possibly So into next financial year, you'll have to have two two returns of as much as possible. Yeah. So this property that I've got, the Croes Nest one, there's no CGT on it because it's still inside that six year mark. Right? So if I offload that this year, I've still got it went it I started renting that out in 2024. So literally, I'm only two years into that six year period. So from a CGT perspective, I've got nothing on it. I I won't be paying any CGT on it from a Yeah. six from a six g perspective. However, I I just need I I just don't know. I mean, do you guys offer an accounting practice that can help me? Yeah. I there's a couple of people I have in mind. Yeah. Both of the people I have in mind are good enough that off the top of their own head, they could run through a 20 conversation with you and point out things Right. to lean heavier into and Right. things to watch out for. I think it's worth at least speaking to one or both of them to see if it's a personality fit as well. Yep. Yep. Yep. Yep. Now A couple of I principles I've that I think would oh, be very good sorry, good for you. Tommy. Yeah. Go Sorry, for Tommy. I was just gonna say, transitioning from my existing to the new accountant, it. do I have to be involved with it or is that all done between the two parties? It's normally done between parties in terms of letter of engagement, then Yep. they transition information across. You bring in your information Yep. to, Okay. like, your tax return, Okay. for example. Yep. So any Yeah. of the historical paperwork, the new accountant, the new party will be able to access anyway. Right? Yeah. Well, to the very least, they could see the previous returns. Okay. Alright. So I'll give you an Alright. example. One of the people that I just went with my own, Yeah. he just hopped on and looked at my previous returns and said, you've been missing out on this, this, and this. And then I brought in all my paperwork for the properties and everything and all the investments I've been doing, and Yep. he Yep. just looked at it for about five minutes and then punched it Yep. all in and said, okay. You need to lean into these areas and Okay. asked me some very creatively worded questions, which Yep. helped me Okay. out quite Alright. And it's not gonna make any I mean, the tax laws are universal as in Australia. Right? It doesn't matter which state the account sits in. Yeah? Correct. It's all Okay. federal tax laws. Yeah. It's all Sorry. federal. There are Yeah. obviously state laws in terms of properties and stamp duties and things like that, but it's all federal. And, again, someone can look at the same situation and go quite differently with it. Okay. Alright. Alright. That that that'd be good because, like I said, I've I've been looking of I mean, I've had my property for two years now and and and both parties rental, and I send a lot of I send a lot of, you know, info information that she prepares my text, but she doesn't give me any guidance. And all she just prepares the thing and send it to me, and then all I know is this is what I'm getting back in terms of a credit, a rebate, and that's it.","start_word":3471,"end_word":4133,"sentiment":"neutral","sentiment_score":0.05277112545515797},{"text":"And then I don't know I don't she doesn't explain to me I could've got more if we did this or blah blah blah. I'm getting no guidance.","start_word":4134,"end_word":4161,"sentiment":"negative","sentiment_score":-0.37208110094070435},{"text":"And then and given that I'm I'm at I'm at the stage that I'm at, I wanna obviously maximize my situation as much as I get. Not illegally. Not illegally. But, Yeah. you know, I wanna be able to do the right thing so I don't have to pay more than what I really have to. Yeah. We've got a couple years left to to benefit from Yeah. the assets that you've got. And then once Yeah. they're disposed of, you won't have those opportunities again. Yeah. And the last Yeah. thing you want to be doing is trying to go back and redo previous Yeah. tax returns. Yeah. Okay. Would you be able to arrange that for me in terms of speaking to speaking to parties? Yeah. Yeah. Do you have any currently outstanding returns, or would this be No. more for when Only we hit June? only for well, the only one that's due the only one that needs to be prepared for is the twenty five twenty six. Okay. So that still needs to be sorted. Hang on. 2526. Yeah. Yeah. Because I've got two May next year. That's right. Yep. Okay. Give me a few days to think through, and Yeah. I will send some some emails. What I'll do is I'm gonna send you the Yeah. details So sorry. of No. the No. No. No. You'll be only sorry. It'd be the current year. The 2526 already been done because that had to be done by by the May 31 this year. So that's been done. It's Okay. they don't is it be right? No. No. No. No. Sorry. Sorry. It's a it's a 2526 that needs to be prepared for last financial year. Yeah. Cool. Because we're only a couple of Yep. months in to Yeah. pass those Yeah. due Yeah. dates, Yeah. and you've That's got right. quite a while. Yeah. Yeah. Okay. To make it easier, what I'll do is I'm gonna send you the details of both. And Right. then rather than just doing an introduction like I would normally do, I would like to see how you go when you speak to them in terms of service experience, booking in, and how those conversations go. So I would like Yes. you to have both information there in case one doesn't go well. Yeah. Yep. Okay.","start_word":4162,"end_word":4556,"sentiment":"neutral","sentiment_score":0.017974903515268918},{"text":"I think one of the two would be perfect.","start_word":4557,"end_word":4565,"sentiment":"positive","sentiment_score":0.4077049791812897},{"text":"So just so you you know, you've been dealing with me for for a year or two now. You have an idea of my personality, etcetera. Is there one that you say, oh, why then you should speak to this one first? No. It's more about availability more so because Right. most of these guys are around the Gold Coast. They do Right. service nationally as well. But Right. if they can do it via Teams, via Yep. phone, and give Yep.","start_word":4566,"end_word":4647,"sentiment":"neutral","sentiment_score":0.09558270871639252},{"text":"you that good conversation that you need, even a bit Yep. of an analysis, that would be great.","start_word":4648,"end_word":4665,"sentiment":"positive","sentiment_score":0.37903302907943726},{"text":"Yep. Either if you were in the Gold Coast, it would be quite easy to just drive down Yeah. the road from our office and you'd be there. Yeah. Okay. Okay. Because at the end of the day, it doesn't bother me too much where I am as long as the communication lines are open and and we can we we we can do those comms whichever way, either over a technology product platform, voice, or or, you know, teams and that type of thing, that's fine for me as long as I can, one, visually see what they need to show me and likewise, what they need to show me they're happy to do over technology. Yeah. Alright? Okay. But I Let I just me I reach just out want to them, and I'll yeah. see Could who's you do got that? some availability to speak Yeah. If you could just give me a lead in on on to whoever as well to so they'll rather than it becoming a cold call. Yeah? you. Yeah. I'll do that. Alright. Just made a quick note on the file. While I got you, I'm moving Yeah. on to the second point now. Now Go for it. one of the things the strategist the the investment strategist are basically a financial planner. So to let you know, I'm dealing with Empower Wealth. Yep. So I'm dealing with Empower Wealth on their property side, the property investment side. And I'm dealing with one of their best investment property investment strategist there by the name of Polly Chu, c h u. You probably could look her up. Now I get on well with that because she's in a she's a counted by qualification. So we talk numbers and me coming from risk background, it makes it really better for me to talk like that because she talks in detail. And then and Good. I tend to I tend to prefer someone to talk in details rather than just say, oh, this is what I'm going to do, etcetera. I mean, my partner operates like that. She doesn't wanna know the details, but I do. So I've I've also I've also been riding her back in a hotel to tell her she needs to talk to you guys about her super. She doesn't Yeah. have regular meetings with you guys, which she's short on an annual basis. So she spoke to I think she spoke to, Sebi initially to get on because I I put her on I put, her onto Sebi, which I did when I first joined. So I'm trying to get her to contact you guys to at least do an annual review. She's she's five years older than I am. So I told her she needs to engage you guys and and and start, you know, being actively involved with the super. Especially given the risks currently, it would be nice Yeah. to be Yeah. on top of. Yeah. Yeah. Market options at the moment would be Yeah.","start_word":4666,"end_word":5172,"sentiment":"neutral","sentiment_score":0.09938173758736728},{"text":"very handy.","start_word":5173,"end_word":5174,"sentiment":"positive","sentiment_score":0.43265300989151},{"text":"Yeah. So I've been riding her back to get in touch with you guys to at least do that. That's the thing. Okay. The other thing I've I've got to I'm sorry. I went sidetracked when I spoke to Polly. Polly Yeah. asked me to check. I've currently run I currently, as you know, with my work super with ANZ through my organization, I've got an insurance component on that. It's a salary continuance insurance. Yeah. On Correct. top of that on top of that, I run a retail one that's been going for twenty odd years. But now it's starting to drop off a bit in terms of my my premium. It's going down. Question is and and that that that that coverage only continues to 65. The question that she's asked me to ask you is, do I keep both or do I offload the the retail one, which is the MLC, which is now a sender? Do we keep it offloaded? Yeah. Given that I've got the salary continuance on the work super, which I pay $600 a month out of a fortnight out of my own pocket. Right. I'm gonna have to do a little comparison between those two, to be honest, because I Okay. know the expiry dates is going to be quite a thing. Yep. Because I'm having a look. We got the ANZ one. There's not too much coming out of the ANZ one. It's the Ascender In terms that's of probably the highest in terms premium. of benefits? Yeah. I mean, the ANZ has got the life insurance and things like that. It's got the rebate in there through the super. Yep. It's the the Ascender is probably the one of most concern. Just having to think between the two. You've got the greatest opportunity Yeah. to claim on an ascender type policy.","start_word":5175,"end_word":5485,"sentiment":"neutral","sentiment_score":-0.03605475098230065},{"text":"You've got the better quality behind it.","start_word":5486,"end_word":5492,"sentiment":"positive","sentiment_score":0.5688695907592773},{"text":"That's for sure. I I've claimed on it once when I had my bypass, but that was 2,005, 2,006, but I've made no further claim. They wouldn't allow me to put t b PPD on it Yeah. because of the bypass back then. They they didn't have a buyback, but they got buybacks on their policy. But the policy I got at the time didn't have buyback on it.","start_word":5493,"end_word":5561,"sentiment":"neutral","sentiment_score":-0.06135747954249382},{"text":"And it just wiped it out.","start_word":5562,"end_word":5567,"sentiment":"negative","sentiment_score":-0.40790319442749023},{"text":"Oh, yeah. Yeah. When I made that claim, they paid out on they paid out a 120 k, I think, at the time, and they got wiped out. K. And you still got that issue with the ANZ one too where they've got the the identical amount of life and disability insurance. So a claim on those would wipe the other one out, but the premiums aren't too high for the amount that you've got too. I think we were looking to keep the running for a few more years. Oh, that they'll run that will run whilst I'm employed. Definitely. And Yeah. then And generally, then consolidate they it they once. generally give you the option. Right? Generally, they'll give you the option if you move on to continue it. Yeah. And I think what we were talking about was keeping it going at least for the time being, but once all the debts are cleared and the super is built up and you don't need the lump sum cover on top, you get Yeah. to a point where you've got enough funds and capital behind you that you can just hit the retirement button and not need to pay the premiums for it because you have Yeah. Yeah. all the capital Yep. already behind you. So that would be Yep. the main thing on the ANZ one. The salary continuance, to be perfectly honest, we've only got a couple more years of the high income, the high contributions that the salary continuance is backing, and it was very, very important when you had when you've got so many properties to to worry about. Yeah.","start_word":5568,"end_word":5843,"sentiment":"neutral","sentiment_score":0.04469648284324701},{"text":"As those properties close down and as we get close to that retirement point, the salary continuance will become essentially moot moot past couple of years' time.","start_word":5844,"end_word":5870,"sentiment":"negative","sentiment_score":-0.356082558631897},{"text":"Yes. So I've got two salary continuance going at the moment. Yeah? I So need to have the, a look because I'm yeah, not seeing so so the second one. the Ascender the Ascender one, which was known as MLC, that's a retail salary continuance that I acquired in '2 or I acquired in 1919 or 1999, I think. I acquired And it's that. carried across to the sender name change and Yeah. like And that. and I've made one claim on that for TPD of which they paid out. Yeah. Okay? Now there is salary continuance on that. There is also salary continuance on my a n zed one, which I pay out of my my my salary. Gotcha. That's Okay. what I So wasn't seeing. I do apologize. I'm yeah. looking at the super statement. I also have a life that that the a and zed one has a life component, and it also has the salary continuance component. I'm Yeah. just So trying you to got see that if portion I can switch coming out over. of the. Just give me a sec. I'll I'll switch screens to my work so I can tell you what I'm paying out of my salary continuance. What I'm paying out of my salary for the salary continuance insurance. Gotcha. Just give me a That'd sec. be But it's a group one.","start_word":5871,"end_word":6101,"sentiment":"neutral","sentiment_score":-0.02513006329536438},{"text":"I don't great. have I don't have the policies.","start_word":6102,"end_word":6110,"sentiment":"negative","sentiment_score":-0.42125746607780457},{"text":"It's a group insurance. Yeah. Yep. Okay. Just give me a sec. Is the weather warm up there? It's just gone from winter straight into summer down here. Yeah. It was weird. Yesterday, it had the hard switch straight into Yeah. 34, and then the wind picked up to such a high degree that it went straight back down overnight. Yeah. It's I a heard you guys bit all had over a the bit shop. of you guys had power disruptions and everything up there. Yeah. It's the the wind seemed to knock a few things out, and it was quite quite out of nowhere. Reminds me of North Queensland for a little bit. They call Bowen, and Yeah. it did come in a twenty four hour period. And I was Yeah. just like, okay. That's a bit strange. Okay. So sorry. So so I've got so salary continuance. Right? Actually, my apologies. It's more than 600. That was total. So my apologies. The salary continues. I pay $40.75 a fortnight. That's right. 4 Yep. 04075. I'm with you. Which And then it was the $39.85 last year. yep. Okay.","start_word":6111,"end_word":6300,"sentiment":"neutral","sentiment_score":-0.09142235744940608},{"text":"So it hasn't actually gone up very much, which is fantastic.","start_word":6301,"end_word":6311,"sentiment":"positive","sentiment_score":0.3589733839035034},{"text":"Right. So that's the salary continuance paid through out of your salary at the moment. Yeah. When you mentioned the the group policy, have they got a corporate name attached to this one? Oh god. I think they have Or at the very least, would you be able to forward that Yeah. document Let let me let me I I won't be able to afford because they they don't they because it's group insurance. Right? I to I don't have a copy of it. Let me let me have a dig because I me? know I did ask the question many years ago when I joined. Just give me a second. I'll see if I can find my see if I can I I got anything? My documents. Because if I can even find the type of name, I can look up a product disclosure statement Yeah. and Yeah. I get go that. for Just that. give me a sec. Give me a sec. You might be in luck.","start_word":6312,"end_word":6480,"sentiment":"neutral","sentiment_score":0.0007695011445321143},{"text":"Fantastic.","start_word":6481,"end_word":6481,"sentiment":"positive","sentiment_score":0.5260536670684814},{"text":"I'm just having a look through some of our archives in the meantime. Okay. So I've oh, okay. So I've got the annual super, and they got insurance fee. So it it probably comes under the ANZ Smart Choice Super. Yep. And it's Smart Choice Super. It K. only tells me the insurance fee I paid in total. Why would I have paid why would I have paid insurance fee of 2,495? That would be the premium that came out of the super account for the death and TPD Okay. is about Yep. 2,500. They got a preservation component here. The preservation benefit of $32,831.81. What's that? That is the account balance. That's the actual superannuation Oh, funds okay. Okay. that have Alright. been moved across. I get that. Okay. Okay. Have you seen that statement? Because it shows Yeah. me the break. I'm looking at one now, but this is as of, sorry, June 30. Almost When identical did she? figures, yeah, this Yeah. year. Yeah. Okay. Okay. So it says how much super will I get?","start_word":6482,"end_word":6659,"sentiment":"neutral","sentiment_score":-0.005251059204005123},{"text":"It's shocking.","start_word":6660,"end_word":6661,"sentiment":"negative","sentiment_score":-0.5561839938163757},{"text":"Right? I've been with them seven years, and I only get a 132,000 out of that. To be fair on them, this is because we do move the funds across. So if Yeah. all the funds Oh, are okay. in that Okay. account, it'd Okay. be a bit Alright. different. Alright. Okay. Okay. Here we go. Here we go. So I've got a total disability benefit. Right? Right? A total disability. So in the event of your total and permanent disability, your sum insured is $3,084.12 and 63<unk>. Yep. So that includes the balance plus the insurance cover. It's one of those ones Alright. where they lump the two together. Okay. And and yeah. Okay. The sum insured. Alright. To 865 expiry. The actually, the insurer, I said that the death benefit insurer is Zurich, Australia. Yeah. Yeah. Right? Zurich has And merged with and one it's part, got a so they think with okay. So and then the benefit the benefit of $341,244.44. that. Child benefit. Yep. And when was that document dated? Sorry, James. This this one is from September last year. So let me tell you exact date. This one is the thirtieth sorry. June 30 last year. That's right. So every birthday anniversary, they are Yeah. trimming the cover down based Yep. on units. So that's why it's sitting at 288,000 as of this year when it was over 300,000 before. Your group name is the I n g group staff Yeah. Okay. super plan. So that gives me the type of product and account that it is Yep. and any associated benefits attached along with it. Okay. K.","start_word":6662,"end_word":6934,"sentiment":"neutral","sentiment_score":0.0014203013135836674},{"text":"That's perfect.","start_word":6935,"end_word":6936,"sentiment":"positive","sentiment_score":0.5297003388404846},{"text":"Is that enough for you to work off? Yeah. I'm gonna have a little look for the so let me just double check this because I don't wanna make a mistake here given my tired state. The salary continuance premium that's coming out of your salary, that is going to this I n g a n zed group separate to the Ascender. Correct? Yes. It's it's me. They're both virtually exclusive. Yep. K. So I need to research the salary continuance compared to the Ascender one Because these units will continue to trim down the next couple of years and, like we said, expire at 65. Yeah. Yeah. And the for the Ascender one, do you have any recent certificate of currency or policy Yeah. Yeah. I've anniversary? got that. Yeah. Yeah. I've got that. Just give me a sec. If you could forward that to me, that would be amazing. Just give me a second. M l c. M l y have I got this? Just bear with me. I'll log I'll That's okay. log in to I'll log in to this my sender account and get that directly.","start_word":6937,"end_word":7126,"sentiment":"neutral","sentiment_score":0.033683761954307556},{"text":"That would be fantastic.","start_word":7127,"end_word":7130,"sentiment":"positive","sentiment_score":0.4969231784343719},{"text":"Okay. Select option. Download certificate of currency. Okay. Alright. Email. Let's see. Okay. Let me send the email to you. Thank you, sir. Tell me, what's your email address? Do it to mine exactly if you could. So Yeah. to,mm,y@OakviewFinancial. Yeah. Dot Tommy at Oakview. Financial? No no s on the end of it? No. Just Oakview Financial. Financial, o a k v I e w f I n a n c Oh, okay. I Yeah. Financial a dot com l. N dot dot a a u. u. Yep. Okay. I'll just say send Alright. It's on the way? I will give it a little refresh. Yep. My laptop updated this morning, and it's it is going quite slow. So I will run that as soon as I can. And, James, if you could, Yep. would you be able to forward that one to my team's inbox so it links automatically to your profile? It's usually So the safest. I'll have so who who does that go to? The email So it address? just goes to contactcontact@OakviewFinancial.com.au. It'll actually tag it to your client profile, which Contact at a u financial dot com dot a u.","start_word":7131,"end_word":7326,"sentiment":"neutral","sentiment_score":0.02518824134402129},{"text":"There's I'll just say Thank you for doing that. Really appreciate that.","start_word":7327,"end_word":7338,"sentiment":"positive","sentiment_score":0.4444096684455872},{"text":"I know. Copy. Just give me a sec. I've copied you in on the email.","start_word":7339,"end_word":7353,"sentiment":"neutral","sentiment_score":0.1134234368801117},{"text":"Oh, fantastic. Thank you.","start_word":7354,"end_word":7357,"sentiment":"positive","sentiment_score":0.6104979515075684},{"text":"Alright. So I'll let you consume that and then come back to me. What else do we need to go away? I'm just trying to think. I think that that's it. Yeah? Tommy? Yeah. It's basically watch out for the elections, see Yeah. how you go with the PPR, Yeah. monitor the market for volatility. June, we'll talk about contributions, but in between now and then, a bit of an insurance chat as well. Yeah. So just just one other thing. Because of the age, I know you and I talked about this some time ago. Given I'm working full time in terms of accessing the super, I don't need to do all that, do I? For whatever benefits. No. No. Without the usage of the the the bring forward rules and so on for extra Yeah. contributions, there's only a need to do that if for some reason you need to access a small portion while you're working, but the main thing for you will be switching over to an account based pension when you hit 65. Right. Okay. Okay.","start_word":7358,"end_word":7538,"sentiment":"neutral","sentiment_score":0.04114613924252682},{"text":"How what what's the benefit of doing that?","start_word":7539,"end_word":7546,"sentiment":"positive","sentiment_score":0.35236313939094543},{"text":"So, normally, whenever you have any type of pension account, the Yeah. the income that comes out is already tax free after 60, but it switches the earnings on the investments into being tax free as well. Right. Okay. So, Alright. normally, if you earn a a dividend or a capital growth inside super, it's taxed 15% instead of your normal CGT Yeah. rate. But once we get you into a pension account, the all the dividends, capital growth is all 0% tax Yeah. rate. Okay. Quick question for you so you can think. I've got I've got about a 150 k sitting in my offset account, Yeah. right, for Yep. my Croeseness property at the moment. I I don't fully understand it, but I'm hoping you can share with me knowledge wise. Because I don't have a lot of time in terms of investing, I'm thinking I've been talking to people and they say, oh, why don't you go into e ETFs? Now from that perspective, what do I need how do I utilize that to do to my advantage or get hopefully get a return out of that, Tommy? Buying ETFs. How how does it work? So I'll give Yeah. you a quick landscape, and then I'll give you my opinion because so landscape Yep. wise, you've got normal stock brokers. You know, you can go on to Comsec trading account, Yep. nav trade account, and you can buy shares. You can buy ETFs off of there. You pay brokerage, and for that, you get a collection of shares, properties, gold, whatever it is. So for example, the ASX two hundred ETF will buy you a small portion of the top 200 companies in Australia rather than buying each one individually stock by stock. The Yep. other side of the equation is a platform such as a Hub 24, an MLC, someone who offers an investment account that's like super that can give you access to managed funds, ETFs, and stocks, but you pay fees to have this full account set up and all the investment options managed for you. So the cheapest way to do an ETF is literally go on Comsec and just buy one directly for a brokerage fee of $18.25 dollars or a small percentage. You don't necessarily need to use a full platform because we're not trying to grow 50,000 to be 500,000 over the period of ten plus years. Yeah. If it's only for a small period of time, you just buy it once off and then sell it when you decide to sell it. Okay. How the how do how does the selection work or you don't? Do you just buy you just buy, like, what you said? Just go on and how do I work out which ones that I should buy? That was my next point. So with Oh, okay. the portfolio Sorry. on Hub twenty four, for example, we utilize ETFs to construct Yep. your portfolio. Yep. Yep. Yep. So each one that's in there has been carefully selected to build that overall Yep. pie chart of Australian Yep. share, national shares, gold, fixed interest, and so on. And each one invest into a single type of asset, most of Right. them. So you already have, for example, physical gold, cybersecurity Yep. companies, term deposits, Yep. the 200, and so on. So those are good examples. Okay.","start_word":7547,"end_word":8115,"sentiment":"neutral","sentiment_score":0.1283636621358315},{"text":"Very low fee, very good performance.","start_word":8116,"end_word":8121,"sentiment":"positive","sentiment_score":0.5092654824256897},{"text":"Some are quite selective. You know, cybersecurity companies as opposed to the overall Australian economy, you can Yep. get quite narrow. You can get quite broad with it. But there is one part of opinion that I do have to give you, James, which is my bias. Please take this with a grain of salt. Yep. Yep. I I I get that. I get that. I get With that. the the risks that are currently going on with the stock market and the global economies and the different countries and inflation and so on, it's quite difficult to squeeze out a double digit return out of these without a huge Yes.","start_word":8122,"end_word":8232,"sentiment":"neutral","sentiment_score":-0.03738478198647499},{"text":"risk a double digit risk.","start_word":8233,"end_word":8237,"sentiment":"negative","sentiment_score":-0.44937261939048767},{"text":"Okay. Okay. Whereas on the flip side, the bank savings rates of five creeping up to 6% and even Yep. credit funds, which are paying almost 7%, pretty much guaranteed returns. To try and get Right. an extra 2% to possibly risk half of it as opposed to just getting a guaranteed six or 7%, The equation doesn't add up for me. Right.","start_word":8238,"end_word":8300,"sentiment":"neutral","sentiment_score":-0.1559761017560959},{"text":"So I would not be recommending going into an ETF to buy something that's potentially volatile to try and Yep. get an extra one or 2% that could be Yep. better gained somewhere else for no risk.","start_word":8301,"end_word":8337,"sentiment":"negative","sentiment_score":-0.40853193402290344},{"text":"Okay. Okay. So cash is probably the best way to do it at the moment on the safer side. Yeah? Yeah. The only way the only part I would go above cash is, for example, credit funds, which are kind of like fluctuating term deposit rates. They go up and down with the interest rates. Now the example of that is if Commonwealth is paying a 5.8% for a term deposit, they usually add on 1%, and they pay six Right. point eight. Okay. That's as far as I would be going for anything under three years. Understood. Okay. K. Alright. Yeah. I know the market's very sort of unknown at the moment. It's all over the shop. And, you know, I I don't think we've we've faced the world economy or the world the global side of things the way we are seeing the world at the moment. Yeah. And and you've got you've got a rep you've got an erratic leader sitting, you know, in in The US and what's happening with Ukraine and everything else in The Middle East. It's just all over the shop, and we haven't seen that, you know, we haven't seen that sustained environment for I don't think we've ever had. Right? You've always had one or the other, but it just seemed just all thrown in at the one time at the moment.","start_word":8338,"end_word":8568,"sentiment":"neutral","sentiment_score":-0.16547036170959473},{"text":"And then, Ben, it seems to also be stretching Yep. longer than it normally does.","start_word":8569,"end_word":8583,"sentiment":"negative","sentiment_score":-0.35839223861694336},{"text":"Yeah. That's my concern. Yeah. Okay. I think you sort of kinda answered my question.","start_word":8584,"end_word":8598,"sentiment":"neutral","sentiment_score":-0.06527980417013168},{"text":"It's given given the time frame I've got, the risk is just not worth it other than dropping it in, like, cash or something and knowing I'm gonna get my 6%.","start_word":8599,"end_word":8629,"sentiment":"negative","sentiment_score":-0.4109056293964386},{"text":"And just quickly too, with Crowsnest, what's the the interest rate on on that one at the moment? Just give me a sec. 5.89, I think it is. 5.89. But I'll just tell you exactly. Just give me a second. Yeah. No worries at all. Let me I I I know I did that through Bendigo Bendigo Bank.","start_word":8630,"end_word":8687,"sentiment":"neutral","sentiment_score":-0.045326028019189835},{"text":"And they and they've got bloody Apple all over them at the moment.","start_word":8688,"end_word":8700,"sentiment":"negative","sentiment_score":-0.5036001205444336},{"text":"Yeah. That's what we need too.","start_word":8701,"end_word":8706,"sentiment":"neutral","sentiment_score":-0.2309078723192215},{"text":"There's too many sort of government takeovers causing, what do they call them, the the enforced undertakings is what we need.","start_word":8707,"end_word":8727,"sentiment":"negative","sentiment_score":-0.43833744525909424},{"text":"We and and and I'm not gonna lie, but it's public knowledge about my organization.","start_word":8728,"end_word":8742,"sentiment":"neutral","sentiment_score":-0.27269598841667175},{"text":"Aper has also issued a letter on us on our engine for incorrect incorrect reporting.","start_word":8743,"end_word":8757,"sentiment":"negative","sentiment_score":-0.4214464724063874},{"text":"Yeah. Yeah. There's been I think all of the the major banks have had a few things recently with, you know, missing out on interest rates for offset accounts and so on and overcharging fees, and I think these things just tend to pop up every couple of years. Yeah. And can I just let me have a look? I've got two loans. Okay. Where's this one? No. That's not the one. That's not the one. Offset. Let's see. Offset. The mortgage is okay. The b one, the 259. Interest. Where am I going? Why am I not seeing account account account. How do I upcoming details? Okay. So there's two loans, one loan. This is the one the main loan. This has got a balance of $258,616.97. Yeah. The interest rate on that is variable, and it's 5.89. 5.89. And that's for thirty years. I've got three hundred and fifty five months remaining. Yeah. That There was is from a the recent second yeah. Yeah. You've refinance. got all the details. Right? Yeah. Yep. And And then there's the second a second one? loan. There there's a second loan that has a balance of a $105,172.68, and that has an interest rate of that that was for a full amount of $222,222 exact, and I Yep. still have a 100 I still have a 100 odd thousand credit. Okay. The intent of using that was to buy a second property, the deposit for that? Yeah. Yep. Okay. And the rate on this one is 6.28. And is that fixed? That's I think that's I think that's interest only. It's variable, but I think it's interest only. Gotcha. Doesn't how do I work? Yeah. Yeah. It's variable. Interest on I think it's interest only on that one. Okay. So that's why it's up another 30 basis points interest only. K. Yeah.","start_word":8758,"end_word":9068,"sentiment":"neutral","sentiment_score":-0.04246623978509876},{"text":"Perfect.","start_word":9069,"end_word":9069,"sentiment":"positive","sentiment_score":0.453136682510376},{"text":"I'll call that thirty years as well. Would that be accurate? Yep. Yep. Same same amount of months. It was all done around the same time.","start_word":9070,"end_word":9095,"sentiment":"neutral","sentiment_score":0.1314750760793686},{"text":"Perfect.","start_word":9096,"end_word":9096,"sentiment":"positive","sentiment_score":0.46442559361457825},{"text":"Yeah.","start_word":9097,"end_word":9097,"sentiment":"neutral","sentiment_score":0.0803631842136383},{"text":"I think for that, excuse me, that 6% guaranteed offset is just too attractive to pass up at this point. Too attractive to pass up to 6%.","start_word":9098,"end_word":9124,"sentiment":"negative","sentiment_score":-0.4031897485256195},{"text":"Okay. Alright. Because once I get once I get rid of the once I get rid of that the Crow's Nest property, Yeah. alright, Yep. I think that the $2.01 the 200 odd thousand will go. Right? And just depends on what my broker says about the remaining the 200 and triple 2, Yeah. the triple 2 triple 2 additional loan, which which has well, which has a 105,000 debit on it or whatever it is. And a pretty similar amount in credit. Yeah. Yeah. And the remaining the remaining is in credit. So I don't know what's the best way to do that. He might tell me to off to get rid of it all. I don't know. Yeah. If it comes somewhere you do just clear all debt, give me a call and I'll find some way to park it to get you a slightly higher interest rate than what the cash is paying, but So the offset's what do you mean? Tell me what do you mean? Tell me what the best do you mean? place at the moment.","start_word":9125,"end_word":9306,"sentiment":"neutral","sentiment_score":-0.05521351844072342},{"text":"So if you get to a point where property sale, property purchase leaves you kind of debt free with cash burning a hole in the pocket, I will find you the higher rates K.","start_word":9307,"end_word":9340,"sentiment":"negative","sentiment_score":-0.3755723536014557},{"text":"to park Alright. it in.","start_word":9341,"end_word":9345,"sentiment":"neutral","sentiment_score":-0.07823235541582108},{"text":"It's unlikely. It's unlikely because for me to move into my PPR.","start_word":9346,"end_word":9357,"sentiment":"negative","sentiment_score":-0.5466801524162292},{"text":"So I'm looking at maybe at best getting $7.30, seven forty. That will clear that will clear my debt, but then I still have to borrow money to buy the PPR. Yeah. Alright? So at the moment, the the suggested number I should be looking at is about $8.50, but unless I buy a one Upwards bedroom of $9.50. yeah. $8.50 to Yeah. $9.50. That's what I'm looking at. K. So that that that will probably bring me up to be at the $506,100,000 dollar mark. Right? Yeah. And I think at that point, as long as the interest rates stay above 5%, that's pretty That well was the best said. place for the funds. She It'll take she was a while to get it down. yeah. She was calculating it working on 7% borrowing. Yeah. Yep. Bit of leeway there. Okay. Okay. Okay. Yeah. I think, definitely, James, keep it to the offset side of things until the PPR is cleared off. Yep. Okay. I can already keep as many sort of within the super environment, like I said, when I get you to that pension phase, everything I can invest the funds into, get the tax free earnings as well.","start_word":9358,"end_word":9559,"sentiment":"neutral","sentiment_score":0.0019182919058948755},{"text":"Trying to get some taxable earnings for the next two years is not worth it.","start_word":9560,"end_word":9574,"sentiment":"negative","sentiment_score":-0.5588514804840088},{"text":"Better off to offset the loans for a guaranteed rate of return. Alright. So so suggestion, let me run this by myself for the moment. Focus on getting rid of that Croeseness property as as mentioned. Mhmm. Right? I'll get rid of that. And then whatever I get out of that, clear the clear the obviously, the loan has to be cleared. And then the intent is to buy the PPR roundabout the same time as well. I'm not leaving it too long. She said she'd Yeah. like me to get into a PPR within the six six months if I can.","start_word":9575,"end_word":9676,"sentiment":"neutral","sentiment_score":-0.04152848571538925},{"text":"That'd be ideal. Absolutely. Okay. Alright. It's a plan plan of way forward.","start_word":9677,"end_word":9689,"sentiment":"positive","sentiment_score":0.48242634534835815},{"text":"I'm just quite glad, James, that you've got some forward momentum and movement going on now because like I said, I mentioned the word stuck before, but it felt like it was a bit of a holding pattern for a year and a bit.","start_word":9690,"end_word":9733,"sentiment":"neutral","sentiment_score":0.2780158519744873},{"text":"And I hope you feel relieved that you've got some directions to move into now that It's are improvements.","start_word":9734,"end_word":9752,"sentiment":"positive","sentiment_score":0.44888854026794434},{"text":"yeah. The the thing, Tommy, was the emotional part of me wanted to hang on to those properties because I wanted to build up a portfolio of properties. Yeah. Now because I couldn't do the numbers, I'm not an accountant, I thought it was possible. But then she walked me through the numbers and it wasn't it was just basically having the noose around my neck and given the time frame. If I had ten years, that's a different story, Mhmm. but I don't have ten years. And that's the reality of it because she said, look. You don't wanna be in that position because use the opportunity you got for this next three years to borrow because once you go into retirement, she was working, then I'll be working part time in three years. I mean, obviously, I wanna keep working, but I Yeah. don't know what the circumstances will be, and I just gotta work on the worst case scenario. Now if I'm still working in three years, that's a different story. Yeah? Yeah. In addition to that, though, the mindset switch between the capital and the assets and the properties, you're Yeah. essentially moving into a cash flow direction where Yeah. everything that Yeah. we're doing is improving cash flow, and that's just as is getting rid of that negative cash flow weighing you down and the Yeah. dead Yeah. income in the rent and getting that Yeah. going something positive, that's going to start. That's what I mean by the positive forward direction Yep. is you're Yep. not being tied into assets that are blocking your cash flow. The river can flow again, Yep. and that's what we Yep. need. Okay.","start_word":9753,"end_word":10037,"sentiment":"neutral","sentiment_score":-0.03265494853258133},{"text":"Sounds good.","start_word":10038,"end_word":10039,"sentiment":"positive","sentiment_score":0.34855136275291443},{"text":"Alright. Cool. We got a plan then.","start_word":10040,"end_word":10046,"sentiment":"neutral","sentiment_score":0.2142767799752099},{"text":"Absolutely.","start_word":10047,"end_word":10047,"sentiment":"positive","sentiment_score":0.5105339884757996},{"text":"In terms of the insurances, just briefly, I've got the ANZ, the Ascender, and I'm just having a look through the PDFs for the other salary continuance. Is there any kind Yep. of major decision you would like me to come back to you on in terms of disposing Well of these policies, restructuring, or keeping them? well, I'll be guided by you because basically the the the strategist said, look, you've got she was speaking more from a logical perspective. I think it was just saying you've got two salary continuance. Is it one you could offload? Yeah. Right? So Yeah. so, I mean, the logic says why have two? You you Exactly. only need one. Right? But she wanted the professional opinion to be cast over it, which is yourself. And I think that's the main thing I'll focus on is I'm just gonna put them side by side. And Yeah. most of the time, when people are getting salary continuance when they're 30 or 40, the question is Yeah. always around which one's got the best benefit for the lowest premium. You've also now got the question of when does this expire, when Yeah. Yep. can I claim on it, when can I not, And it's those aspects that I would like to put side by side so it's quite clear for you? Yep. Okay. Sounds good. Sound alright? Yep. Sounds good. Then I'll just wait Perfect. till you let me know. Yep. I will digest that this week. I will also send you that email introducing you for the accounting side of things Okay. while I do this. Yep. And also while I got it, I just it just came back to my head since you said to me you were gonna talk to me about the structure fees last time. Sorry. Remind me again the structure fees for You said because I had reached, what, 600,000 or something, the fees the fee structure changes or something? yeah. So we've input there for the next annual review that you're getting tiered fee structure input Which into means the what? next Which agreement. means what? So, Which means normally, what? it's a percentage on the whole balance, but now Yeah. we're Yeah. We going to be doing percentages. So above 200,000, it goes down. Above 500 Yep. thousand, it goes down as well. So Yep. Okay. I will come back to you on the insurances, then I've got to get you an updated service agreement because we have just Yep. launched it. And Yeah. from what Okay. I'm looking at, it's about $700 saved. Okay.","start_word":10048,"end_word":10485,"sentiment":"neutral","sentiment_score":0.030274586662752172},{"text":"Sounds good. That can go into my earnings. Can help me earn more money. Cool. Exactly Alright. right. Everything helps.","start_word":10486,"end_word":10505,"sentiment":"positive","sentiment_score":0.50131756067276},{"text":"Yep. Okay.","start_word":10506,"end_word":10507,"sentiment":"neutral","sentiment_score":0.2725018262863159},{"text":"Alright, Tommy. Thanks for your time. Awesome, Anything James.","start_word":10508,"end_word":10516,"sentiment":"positive","sentiment_score":0.49455100297927856},{"text":"else before we close off? Anything else Thanks. we need to no. Okay.","start_word":10517,"end_word":10529,"sentiment":"neutral","sentiment_score":0.09700789302587508},{"text":"Always a pleasure, my friend.","start_word":10530,"end_word":10534,"sentiment":"positive","sentiment_score":0.6251797676086426},{"text":"I will dive into the insurance, get you the account details, and Same. talk Yeah. to you pretty soon.","start_word":10535,"end_word":10553,"sentiment":"neutral","sentiment_score":0.22252652049064636},{"text":"Thanks so much, man. Appreciate your time. Yours too. Have a great week. You too, man. Cheers. Thank you. Thanks. Bye.","start_word":10554,"end_word":10574,"sentiment":"positive","sentiment_score":0.6912557482719421},{"text":"Bye.","start_word":10575,"end_word":10575,"sentiment":"neutral","sentiment_score":0.28782182931900024}],"average":{"sentiment":"neutral","sentiment_score":0.02322518924211514}}}}