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So, mate, I'll just quickly do the usual security check for your details, and I believe we're talking potential SMSF today. Yeah. No worries, mate. Can you just confirm your date of birth and address for me? Sensational. Thank you so much for doing that, mate. What can I what's the main thing for the questions there? Yep. As they do. Classic government. Yeah. Yep. Yeah. Yeah. It's a bit of a tight squeeze at the moment. Yeah. We're we're kind of heavily restricted at the moment because normally time frame for the SMSFs is we go usually a couple of weeks for the advice and then usually three weeks to set up, you know, accounts through the rollovers, all that kind of thing. And we've only really got about five weeks to get approved lending to make the cutoff. So not makes it not as fun, but yeah. Well, commercial is still possible, and I do have a few clients that do the old commercial through super. It's really just trying to find the right ones because, obviously, commercial is a a mixed bag across the country about what you're getting into. And, again, look, that that 50 getting invested, and we're gonna try and grow that as much as we can so that you get something out of it at the end of the day. But, look, yeah, it definitely is possible. Depends, like, have you looked into any commercial properties recently? Or Yeah. Yeah. If it's helpful, Dane, one of the things that we do have access to is we use a buyer's agent sometimes to help find properties all over the country, whether it's residential, rural areas, or commercial property and things like that. It might be worth touching base with someone like that just to see kind of what's out there. And if you see some properties where you're like, oh, this looks really attractive, then we can kind of look a bit more specific about jumping into it. Because, obviously, it's a bit of a process, right, to go through the advice and the figures and the costs and the setup. So maybe step one is just seeing if there's commercial properties that are attractive for you guys, and then we can kind of make a decision off of that whether we go the SMSF route. Is that something you wanna actively look at right now? I can get you on to a guy, or I can kind of tee up something in a few months' time. Just really depends on your availability and and how fast you wanna sort of have a look at it. Yeah. Yeah. Because I've had a a few really interesting fun ones over the years in my career where people have gotten businesses in terms of on-site property management. I've had a guy do a theme park and a caravan park and all kinds of stuff and factories and, you know, commercial property that way as well. So if you wanna talk to the missus and and see what you guys think, I'll put a flag on your account that if you call back in and you would like to speak to someone, that they can shoot you off a bit of a referral email to them to at least just have that initial discussion and see how it goes. That sound alright? Cool. Yeah. Because it's one of those things when it comes to that residential, I'm getting those questions every couple of days about, oh, can we squeeze it in kind of thing. But the risk at the moment like, I'm I'm good at getting things done quickly, but there's a there's risks down the line that if you try and squeeze it in and we get all the advice done, it's like, oh, does the lending even get approved in time? And then if you get a contract and it's after that date, the cutoff, other banks even gonna approve any lending for the residential properties? No one actually knows right now if they're gonna honor any applications submitted before the date if they're gonna still approve them after the date. So it's just too many risks. Yeah. And it was out of nowhere too because I was I was monitoring it daily, and they were talking about all the CGT changes, the negative gearing. And I started seeing these rumblings about, you know, parties talking to each other about, you know, you can get our votes if you do this, this, this, and this. And I I had that the day before and went, no. There's no way in the world they're gonna can SMSF. And then literally the next day, yep, they've approved with the Greens, get the votes, get across. Yeah. Absolutely. But, like, rest assured, mate, I'll make sure it's not a waste on your end, that that goes to good use and it grows. And then at least, you know, one day you can sit there and say, oh, look. There's an extra 250,000 sitting there because it's growing really well over the decades. And I'll make sure you get something out of it that way. But any other options, we'll, again, investigate anything. Cool. Yeah. Yeah. I'm just getting a bit of research done, and I'll have a look at a few things in a bit more depth than we did last time. And we can kinda see, do I need to tweak any of the strategies a little bit? Not much has changed, of course, but we'll see how things have changed in your life and what we need to kind of go down. And if there's anything in particular on the day, let me know, and I can jump into it with you. Awesome, Dana. Any other questions I can do for you before I let you go? Easy peasy. Look at like I said, I'll put a flag on the account. If your partner's interested, just give us a call and the team can shoot off that email. If not, I will speak to you on the eighth. Awesome, mate. Have a great day. Thank you. 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day, Dan. Tommy here from. How are you doing? I'm doing fantastic. It's a brilliant day.\n\nWhat about your end? Good to hear. Good to hear. Have I caught you at a good time? Cool.\n\nCool. So, mate, I'll just quickly do the usual security check for your details, and I believe we're talking potential SMSF today. Yeah. No worries, mate. Can you just confirm your date of birth and address for me?\n\nSensational. Thank you so much for doing that, mate. What can I what's the main thing for the questions there? Yep. As they do.\n\nClassic government. Yeah. Yep. Yeah. Yeah.\n\nIt's a bit of a tight squeeze at the moment. Yeah. We're we're kind of heavily restricted at the moment because normally time frame for the SMSFs is we go usually a couple of weeks for the advice and then usually three weeks to set up, you know, accounts through the rollovers, all that kind of thing. And we've only really got about five weeks to get approved lending to make the cutoff. So not makes it not as fun, but yeah.\n\nWell, commercial is still possible, and I do have a few clients that do the old commercial through super. It's really just trying to find the right ones because, obviously, commercial is a a mixed bag across the country about what you're getting into. And, again, look, that that 50 getting invested, and we're gonna try and grow that as much as we can so that you get something out of it at the end of the day. But, look, yeah, it definitely is possible. Depends, like, have you looked into any commercial properties recently?\n\nOr Yeah. Yeah. If it's helpful, Dane, one of the things that we do have access to is we use a buyer's agent sometimes to help find properties all over the country, whether it's residential, rural areas, or commercial property and things like that. It might be worth touching base with someone like that just to see kind of what's out there. And if you see some properties where you're like, oh, this looks really attractive, then we can kind of look a bit more specific about jumping into it.\n\nBecause, obviously, it's a bit of a process, right, to go through the advice and the figures and the costs and the setup. So maybe step one is just seeing if there's commercial properties that are attractive for you guys, and then we can kind of make a decision off of that whether we go the SMSF route. Is that something you wanna actively look at right now? I can get you on to a guy, or I can kind of tee up something in a few months' time. Just really depends on your availability and and how fast you wanna sort of have a look at it.\n\nYeah. Yeah. Because I've had a a few really interesting fun ones over the years in my career where people have gotten businesses in terms of on-site property management. I've had a guy do a theme park and a caravan park and all kinds of stuff and factories and, you know, commercial property that way as well. So if you wanna talk to the missus and and see what you guys think, I'll put a flag on your account that if you call back in and you would like to speak to someone, that they can shoot you off a bit of a referral email to them to at least just have that initial discussion and see how it goes.\n\nThat sound alright? Cool. Yeah. Because it's one of those things when it comes to that residential, I'm getting those questions every couple of days about, oh, can we squeeze it in kind of thing. But the risk at the moment like, I'm I'm good at getting things done quickly, but there's a there's risks down the line that if you try and squeeze it in and we get all the advice done, it's like, oh, does the lending even get approved in time?\n\nAnd then if you get a contract and it's after that date, the cutoff, other banks even gonna approve any lending for the residential properties? No one actually knows right now if they're gonna honor any applications submitted before the date if they're gonna still approve them after the date. So it's just too many risks. Yeah. And it was out of nowhere too because I was I was monitoring it daily, and they were talking about all the CGT changes, the negative gearing.\n\nAnd I started seeing these rumblings about, you know, parties talking to each other about, you know, you can get our votes if you do this, this, this, and this. And I I had that the day before and went, no. There's no way in the world they're gonna can SMSF. And then literally the next day, yep, they've approved with the Greens, get the votes, get across. Yeah.\n\nAbsolutely. But, like, rest assured, mate, I'll make sure it's not a waste on your end, that that goes to good use and it grows. And then at least, you know, one day you can sit there and say, oh, look. There's an extra 250,000 sitting there because it's growing really well over the decades. And I'll make sure you get something out of it that way.\n\nBut any other options, we'll, again, investigate anything. Cool. Yeah. Yeah. I'm just getting a bit of research done, and I'll have a look at a few things in a bit more depth than we did last time.\n\nAnd we can kinda see, do I need to tweak any of the strategies a little bit? Not much has changed, of course, but we'll see how things have changed in your life and what we need to kind of go down. And if there's anything in particular on the day, let me know, and I can jump into it with you. Awesome, Dana. Any other questions I can do for you before I let you go?\n\nEasy peasy. Look at like I said, I'll put a flag on the account. If your partner's interested, just give us a call and the team can shoot off that email. If not, I will speak to you on the eighth. Awesome, mate.\n\nHave a great day. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Dan.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.2773486375808716},{"text":"Tommy here from.","start":3.6799998,"end":4.74,"sentiment":"neutral","sentiment_score":0.20962809026241302},{"text":"How are you doing?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.16731807589530945},{"text":"I'm doing fantastic.","start":7.6,"end":8.74,"sentiment":"positive","sentiment_score":0.764756957689921},{"text":"It's a brilliant day.","start":9.04,"end":9.76,"sentiment":"positive","sentiment_score":0.7427866160869598}],"sentiment":"positive","sentiment_score":0.43503646026639375,"num_words":17,"start":3.04,"end":9.76},{"sentences":[{"text":"What about your end?","start":9.76,"end":10.9,"sentiment":"neutral","sentiment_score":0.24216904863715172},{"text":"Good to hear.","start":13.375,"end":13.8550005,"sentiment":"positive","sentiment_score":0.3714459041754405},{"text":"Good to hear.","start":13.8550005,"end":14.415,"sentiment":"positive","sentiment_score":0.35135167837142944},{"text":"Have I caught you at a good time?","start":14.415,"end":16.035,"sentiment":"neutral","sentiment_score":0.13849313091486692},{"text":"Cool.","start":18.415,"end":18.655,"sentiment":"positive","sentiment_score":0.3664206862449646}],"sentiment":"neutral","sentiment_score":0.24270708819753245,"num_words":19,"start":9.76,"end":18.655},{"sentences":[{"text":"Cool.","start":18.655,"end":18.895,"sentiment":"neutral","sentiment_score":0.27490901947021484},{"text":"So, mate, I'll just quickly do the usual security check for your details, and I believe we're talking potential SMSF today.","start":18.895,"end":25.795,"sentiment":"neutral","sentiment_score":0.11628291081814539},{"text":"Yeah.","start":29.27,"end":29.59,"sentiment":"neutral","sentiment_score":0.04130909591913223},{"text":"No worries, mate.","start":29.59,"end":30.31,"sentiment":"neutral","sentiment_score":0.060178931802511215},{"text":"Can you just confirm your date of birth and address for me?","start":30.31,"end":33.29,"sentiment":"neutral","sentiment_score":0.03566920446852843}],"sentiment":"neutral","sentiment_score":0.0885980655684283,"num_words":38,"start":18.655,"end":33.29},{"sentences":[{"text":"Sensational.","start":43.845,"end":44.345,"sentiment":"neutral","sentiment_score":0.111294187605381},{"text":"Thank you so much for doing that, mate.","start":44.645,"end":46.425003,"sentiment":"positive","sentiment_score":0.5820680037140846},{"text":"What can I what's the main thing for the questions there?","start":47.125,"end":50.61,"sentiment":"neutral","sentiment_score":0.0983781096610156},{"text":"Yep.","start":58.37,"end":58.87,"sentiment":"neutral","sentiment_score":-0.04074010252952576},{"text":"As they do.","start":63.665,"end":64.645,"sentiment":"neutral","sentiment_score":-0.03176941846807798}],"sentiment":"neutral","sentiment_score":0.23808121106897792,"num_words":24,"start":43.845,"end":64.645},{"sentences":[{"text":"Classic government.","start":66.305,"end":67.525,"sentiment":"neutral","sentiment_score":-0.037806978449225426},{"text":"Yeah.","start":69.665,"end":70.165,"sentiment":"neutral","sentiment_score":0.00666799396276474},{"text":"Yep.","start":70.305,"end":70.805,"sentiment":"neutral","sentiment_score":0.025404062122106552},{"text":"Yeah.","start":83.2,"end":83.6,"sentiment":"neutral","sentiment_score":-0.05134527385234833},{"text":"Yeah.","start":83.6,"end":83.92,"sentiment":"neutral","sentiment_score":-0.03619281202554703}],"sentiment":"neutral","sentiment_score":-0.02184666444857915,"num_words":6,"start":66.305,"end":83.92},{"sentences":[{"text":"It's a bit of a tight squeeze at the moment.","start":83.92,"end":86.58,"sentiment":"neutral","sentiment_score":-0.1536392405629158},{"text":"Yeah.","start":88.295,"end":88.695,"sentiment":"neutral","sentiment_score":-0.08457297086715698},{"text":"We're we're kind of heavily restricted at the moment because normally time frame for the SMSFs is we go usually a couple of weeks for the advice and then usually three weeks to set up, you know, accounts through the rollovers, all that kind of thing.","start":88.695,"end":102.635,"sentiment":"neutral","sentiment_score":-0.09906650553254978},{"text":"And we've only really got about five weeks to get approved lending to make the cutoff.","start":103.29,"end":109.31,"sentiment":"neutral","sentiment_score":-0.08042412553913891},{"text":"So not makes it not as fun, but yeah.","start":111.93,"end":115.149994,"sentiment":"neutral","sentiment_score":-0.06708565851052602}],"sentiment":"neutral","sentiment_score":-0.09839733617334831,"num_words":82,"start":83.92,"end":115.149994},{"sentences":[{"text":"Well, commercial is still possible, and I do have a few clients that do the old commercial through super.","start":141.70499,"end":147.14499,"sentiment":"neutral","sentiment_score":0.1735847580589746},{"text":"It's really just trying to find the right ones because, obviously, commercial is a a mixed bag across the country about what you're getting into.","start":147.14499,"end":153.405,"sentiment":"neutral","sentiment_score":0.10187755420804023},{"text":"And, again, look, that that 50 getting invested, and we're gonna try and grow that as much as we can so that you get something out of it at the end of the day.","start":154.78,"end":161.59999,"sentiment":"neutral","sentiment_score":0.29137346060837016},{"text":"But, look, yeah, it definitely is possible.","start":163.18,"end":165.44,"sentiment":"positive","sentiment_score":0.3339893434728895},{"text":"Depends, like, have you looked into any commercial properties recently?","start":166.54,"end":170.185,"sentiment":"neutral","sentiment_score":0.033305058162659405}],"sentiment":"neutral","sentiment_score":0.19392339899939925,"num_words":95,"start":141.70499,"end":170.185},{"sentences":[{"text":"Or Yeah.","start":175.765,"end":199.715,"sentiment":"neutral","sentiment_score":0.016550797969102866},{"text":"Yeah.","start":199.715,"end":200.215,"sentiment":"neutral","sentiment_score":0.13167455792427063},{"text":"If it's helpful, Dane, one of the things that we do have access to is we use a buyer's agent sometimes to help find properties all over the country, whether it's residential, rural areas, or commercial property and things like that.","start":200.515,"end":215.71,"sentiment":"neutral","sentiment_score":0.18319719357461464},{"text":"It might be worth touching base with someone like that just to see kind of what's out there.","start":216.09001,"end":222.645,"sentiment":"neutral","sentiment_score":0.21812224553691018},{"text":"And if you see some properties where you're like, oh, this looks really attractive, then we can kind of look a bit more specific about jumping into it.","start":222.705,"end":229.58499,"sentiment":"neutral","sentiment_score":0.22300903419298784}],"sentiment":"neutral","sentiment_score":0.198292382972108,"num_words":90,"start":175.765,"end":229.58499},{"sentences":[{"text":"Because, obviously, it's a bit of a process, right, to go through the advice and the figures and the costs and the setup.","start":229.58499,"end":235.49,"sentiment":"neutral","sentiment_score":0.059595198896916016},{"text":"So maybe step one is just seeing if there's commercial properties that are attractive for you guys, and then we can kind of make a decision off of that whether we go the SMSF route.","start":235.79001,"end":246.225,"sentiment":"neutral","sentiment_score":0.1409032692866666},{"text":"Is that something you wanna actively look at right now?","start":249.985,"end":252.38501,"sentiment":"neutral","sentiment_score":0.06381221525371075},{"text":"I can get you on to a guy, or I can kind of tee up something in a few months' time.","start":252.38501,"end":257.585,"sentiment":"neutral","sentiment_score":0.07298728211649827},{"text":"Just really depends on your availability and and how fast you wanna sort of have a look at it.","start":257.585,"end":263.66998,"sentiment":"neutral","sentiment_score":0.05866852187012371}],"sentiment":"neutral","sentiment_score":0.08877649066831779,"num_words":108,"start":229.58499,"end":263.66998},{"sentences":[{"text":"Yeah.","start":281.345,"end":281.845,"sentiment":"neutral","sentiment_score":0.04768884927034378},{"text":"Yeah.","start":285.52,"end":285.84,"sentiment":"neutral","sentiment_score":0.07240317016839981},{"text":"Because I've had a a few really interesting fun ones over the years in my career where people have gotten businesses in terms of on-site property management.","start":285.84,"end":295.93997,"sentiment":"neutral","sentiment_score":0.19579726843922227},{"text":"I've had a guy do a theme park and a caravan park and all kinds of stuff and factories and, you know, commercial property that way as well.","start":296.0,"end":304.98502,"sentiment":"neutral","sentiment_score":0.1202948849116053},{"text":"So if you wanna talk to the missus and and see what you guys think, I'll put a flag on your account that if you call back in and you would like to speak to someone, that they can shoot you off a bit of a referral email to them to at least just have that initial discussion and see how it goes.","start":305.20502,"end":321.5,"sentiment":"neutral","sentiment_score":0.09860258135530683}],"sentiment":"neutral","sentiment_score":0.12489031391839187,"num_words":120,"start":281.345,"end":321.5},{"sentences":[{"text":"That sound alright?","start":324.36,"end":325.25998,"sentiment":"neutral","sentiment_score":0.32863763968149823},{"text":"Cool.","start":327.995,"end":328.315,"sentiment":"positive","sentiment_score":0.43804025650024414},{"text":"Yeah.","start":328.315,"end":328.63498,"sentiment":"neutral","sentiment_score":0.18974623084068296},{"text":"Because it's one of those things when it comes to that residential, I'm getting those questions every couple of days about, oh, can we squeeze it in kind of thing.","start":328.63498,"end":334.955,"sentiment":"neutral","sentiment_score":0.1578634075820446},{"text":"But the risk at the moment like, I'm I'm good at getting things done quickly, but there's a there's risks down the line that if you try and squeeze it in and we get all the advice done, it's like, oh, does the lending even get approved in time?","start":334.955,"end":348.47,"sentiment":"neutral","sentiment_score":-0.30453310070597395}],"sentiment":"neutral","sentiment_score":-0.10205381310411862,"num_words":84,"start":324.36,"end":348.47},{"sentences":[{"text":"And then if you get a contract and it's after that date, the cutoff, other banks even gonna approve any lending for the residential properties?","start":348.47,"end":356.25497,"sentiment":"neutral","sentiment_score":-0.10357482835650444},{"text":"No one actually knows right now if they're gonna honor any applications submitted before the date if they're gonna still approve them after the date.","start":356.395,"end":363.935,"sentiment":"neutral","sentiment_score":-0.1867968562245369},{"text":"So it's just too many risks.","start":366.01,"end":367.79,"sentiment":"neutral","sentiment_score":-0.3293936823805173},{"text":"Yeah.","start":370.49,"end":370.99,"sentiment":"neutral","sentiment_score":-0.14948546886444092},{"text":"And it was out of nowhere too because I was I was monitoring it daily, and they were talking about all the CGT changes, the negative gearing.","start":375.53,"end":382.865,"sentiment":"neutral","sentiment_score":-0.1986658931882293}],"sentiment":"neutral","sentiment_score":-0.17558474754471154,"num_words":84,"start":348.47,"end":382.865},{"sentences":[{"text":"And I started seeing these rumblings about, you know, parties talking to each other about, you know, you can get our votes if you do this, this, this, and this.","start":382.925,"end":391.025,"sentiment":"neutral","sentiment_score":-0.19983447045087815},{"text":"And I I had that the day before and went, no.","start":391.34,"end":393.90002,"sentiment":"neutral","sentiment_score":-0.10769430277022449},{"text":"There's no way in the world they're gonna can SMSF.","start":393.90002,"end":396.0,"sentiment":"neutral","sentiment_score":-0.277007245272398},{"text":"And then literally the next day, yep, they've approved with the Greens, get the votes, get across.","start":397.18002,"end":401.76,"sentiment":"neutral","sentiment_score":0.06584449452074136},{"text":"Yeah.","start":417.13,"end":417.63,"sentiment":"neutral","sentiment_score":0.1759634017944336}],"sentiment":"neutral","sentiment_score":-0.12542643605906895,"num_words":69,"start":382.925,"end":417.63},{"sentences":[{"text":"Absolutely.","start":418.25,"end":418.75,"sentiment":"positive","sentiment_score":0.4538789987564087},{"text":"But, like, rest assured, mate, I'll make sure it's not a waste on your end, that that goes to good use and it grows.","start":419.13,"end":424.97,"sentiment":"positive","sentiment_score":0.34073020176341134},{"text":"And then at least, you know, one day you can sit there and say, oh, look.","start":424.97,"end":427.21002,"sentiment":"neutral","sentiment_score":0.2339557996019721},{"text":"There's an extra 250,000 sitting there because it's growing really well over the decades.","start":427.21002,"end":431.955,"sentiment":"neutral","sentiment_score":0.1962705600474562},{"text":"And I'll make sure you get something out of it that way.","start":433.935,"end":436.175,"sentiment":"neutral","sentiment_score":0.12638700380921364}],"sentiment":"neutral","sentiment_score":0.2483452018072356,"num_words":67,"start":418.25,"end":436.175},{"sentences":[{"text":"But any other options, we'll, again, investigate anything.","start":436.175,"end":440.03497,"sentiment":"neutral","sentiment_score":0.04129596101120114},{"text":"Cool.","start":444.11002,"end":444.61002,"sentiment":"positive","sentiment_score":0.4400065541267395},{"text":"Yeah.","start":448.91,"end":449.23,"sentiment":"neutral","sentiment_score":0.1342112272977829},{"text":"Yeah.","start":449.23,"end":449.39,"sentiment":"neutral","sentiment_score":0.1344047784805298},{"text":"I'm just getting a bit of research done, and I'll have a look at a few things in a bit more depth than we did last time.","start":449.39,"end":455.745,"sentiment":"neutral","sentiment_score":0.11137260110289962}],"sentiment":"neutral","sentiment_score":0.1064750125729724,"num_words":38,"start":436.175,"end":455.745},{"sentences":[{"text":"And we can kinda see, do I need to tweak any of the strategies a little bit?","start":457.245,"end":461.50497,"sentiment":"neutral","sentiment_score":0.04952251582461245},{"text":"Not much has changed, of course, but we'll see how things have changed in your life and what we need to kind of go down.","start":461.72498,"end":468.0,"sentiment":"neutral","sentiment_score":0.05918891131877899},{"text":"And if there's anything in particular on the day, let me know, and I can jump into it with you.","start":468.22,"end":473.68,"sentiment":"neutral","sentiment_score":0.03158225417137146},{"text":"Awesome, Dana.","start":475.98,"end":476.7,"sentiment":"positive","sentiment_score":0.5196801871061325},{"text":"Any other questions I can do for you before I let you go?","start":476.7,"end":479.025,"sentiment":"neutral","sentiment_score":0.26734984608796925}],"sentiment":"neutral","sentiment_score":0.09698907803598937,"num_words":77,"start":457.245,"end":479.025},{"sentences":[{"text":"Easy peasy.","start":481.505,"end":482.145,"sentiment":"positive","sentiment_score":0.37149079144001007},{"text":"Look at like I said, I'll put a flag on the account.","start":482.145,"end":484.465,"sentiment":"neutral","sentiment_score":0.1363052905847629},{"text":"If your partner's interested, just give us a call and the team can shoot off that email.","start":484.465,"end":488.945,"sentiment":"neutral","sentiment_score":0.11564054077162463},{"text":"If not, I will speak to you on the eighth.","start":488.945,"end":491.52295,"sentiment":"neutral","sentiment_score":0.05539826564490795},{"text":"Awesome, mate.","start":493.76294,"end":494.32294,"sentiment":"positive","sentiment_score":0.46801888942718506}],"sentiment":"neutral","sentiment_score":0.13568731856554053,"num_words":43,"start":481.505,"end":494.32294},{"sentences":[{"text":"Have a great day.","start":494.32294,"end":495.22296,"sentiment":"positive","sentiment_score":0.8062080442905426},{"text":"Thank you.","start":496.64294,"end":497.28296,"sentiment":"positive","sentiment_score":0.7903803288936615},{"text":"Bye.","start":497.28296,"end":497.78296,"sentiment":"neutral","sentiment_score":-0.08132899552583694}],"sentiment":"positive","sentiment_score":0.6748948342033795,"num_words":7,"start":494.32294,"end":497.78296}]}}]},{"alternatives":[{"transcript":"Hello? Hi, Tommy. How are we? Yeah. Not bad, mate. Not bad at all. Yeah. Yeah. Perfect. Yeah. Yeah. I just wanted to ask a few things there. Yes. Date of birth is fifteenth of the second nineteen eighty nine, and address is 28 Ridley Waters Drive, Lorraine 4211. Well, obviously, we obviously did the $50 in the super, and then they obviously changed the whole SMSF thing on us. Yeah. So I think it was a week after I put it in or something, which is which is great. But because yeah. Originally, our plan was to get through the financial year and then do it, but I don't think we're gonna have enough time to set it up. Yeah. Yeah. Yeah. Yep. Exactly. Yeah. No. Yeah. Yeah. That's fine. That's fine. I thought that was gonna be the answer. So I was wondering, like, would a commercial because I know commercial hasn't been touched when it comes to that kind of stuff. Is that worth looking down going down that route? Or is it better just to just pop the 50,000 loss and Yep. Yep. No. That's the that's the thing. We haven't I haven't personally looked at anything like as I said, we're all going in on doing the residential thing, and then it all obviously all got changed. But no. I haven't I haven't looked at anything. We're just saying what was the best best thing for us because my wife was well, we're gonna go combined, so my wife is gonna put her super in as well. Yep. Yeah. Yeah. Yep. Yep. Okay. Too lazy. Yeah. Well, I guess we got no got no rush now. I well, yeah. I I could speak to my wife and speak to her and see what she thinks as well. Because what yeah. She's sort of waiting to hear back what would happen with this. But Oh, yeah. Good. Yeah. Yeah. Yeah. Okay. Yeah. That's yeah. For sure. Convenient. Yeah. Yeah. Yes. Yes. Yep. Yeah. Okay. Yeah. Yeah. I thought that all I'll probably go on here. I knew it was gonna take a while. It was gonna take a few weeks, and then you set it all up, and you still might not even get past. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Well, that's what I mean. We've we've been looking at it for, like, a year or two. And we're like, oh, well, then we sold the property and we're like, oh, we've got a bit of extra money. So we'll throw it in the account. And then literally, what a week later, I'm like, what are the bloody chances? But anyway yeah. Well, that's it. Yeah. That's it. Yeah. Yeah. Yeah. Of course. Of course. Yeah. Not a problem. I think I have a I think I will review with you next week anyway. So yep. K. No problem. Yep. Yeah. Not a problem. Yeah. All good. Not a problem, mate. No. That's it. Yep. Too easy. No problem. You too. 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Hi, Tommy. How are we? Yeah. Not bad, mate.\n\nNot bad at all. Yeah. Yeah. Perfect. Yeah.\n\nYeah. I just wanted to ask a few things there. Yes. Date of birth is fifteenth of the second nineteen eighty nine, and address is 28 Ridley Waters Drive, Lorraine 4211. Well, obviously, we obviously did the $50 in the super, and then they obviously changed the whole SMSF thing on us.\n\nYeah. So I think it was a week after I put it in or something, which is which is great. But because yeah. Originally, our plan was to get through the financial year and then do it, but I don't think we're gonna have enough time to set it up. Yeah.\n\nYeah. Yeah. Yep. Exactly. Yeah.\n\nNo. Yeah. Yeah. That's fine. That's fine.\n\nI thought that was gonna be the answer. So I was wondering, like, would a commercial because I know commercial hasn't been touched when it comes to that kind of stuff. Is that worth looking down going down that route? Or is it better just to just pop the 50,000 loss and Yep. Yep.\n\nNo. That's the that's the thing. We haven't I haven't personally looked at anything like as I said, we're all going in on doing the residential thing, and then it all obviously all got changed. But no. I haven't I haven't looked at anything.\n\nWe're just saying what was the best best thing for us because my wife was well, we're gonna go combined, so my wife is gonna put her super in as well. Yep. Yeah. Yeah. Yep.\n\nYep. Okay. Too lazy. Yeah. Well, I guess we got no got no rush now.\n\nI well, yeah. I I could speak to my wife and speak to her and see what she thinks as well. Because what yeah. She's sort of waiting to hear back what would happen with this. But Oh, yeah.\n\nGood. Yeah. Yeah. Yeah. Okay.\n\nYeah. That's yeah. For sure. Convenient. Yeah.\n\nYeah. Yes. Yes. Yep. Yeah.\n\nOkay. Yeah. Yeah. I thought that all I'll probably go on here. I knew it was gonna take a while.\n\nIt was gonna take a few weeks, and then you set it all up, and you still might not even get past. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Well, that's what I mean. We've we've been looking at it for, like, a year or two. And we're like, oh, well, then we sold the property and we're like, oh, we've got a bit of extra money.\n\nSo we'll throw it in the account. And then literally, what a week later, I'm like, what are the bloody chances? But anyway yeah. Well, that's it. Yeah.\n\nThat's it. Yeah. Yeah. Yeah. Of course.\n\nOf course. Yeah. Not a problem. I think I have a I think I will review with you next week anyway. So yep.\n\nK. No problem. Yep. Yeah. Not a problem.\n\nYeah. All good. Not a problem, mate. No. That's it.\n\nYep. Too easy. No problem. You too. Be well.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.029745958745479584},{"text":"Hi, Tommy.","start":5.92,"end":6.48,"sentiment":"neutral","sentiment_score":0.2017034888267517},{"text":"How are we?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.2006926437218984},{"text":"Yeah.","start":11.2,"end":11.599999,"sentiment":"neutral","sentiment_score":0.12688857316970825},{"text":"Not bad, mate.","start":11.599999,"end":12.16,"sentiment":"neutral","sentiment_score":0.17673666775226593}],"sentiment":"neutral","sentiment_score":0.16923294439911843,"num_words":10,"start":1.5999999,"end":12.16},{"sentences":[{"text":"Not bad at 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birth is fifteenth of the second nineteen eighty nine, and address is 28 Ridley Waters Drive, Lorraine 4211.","start":33.94,"end":43.079998,"sentiment":"neutral","sentiment_score":0.02481334828771651},{"text":"Well, obviously, we obviously did the $50 in the super, and then they obviously changed the whole SMSF thing on us.","start":51.475,"end":63.800003,"sentiment":"neutral","sentiment_score":-0.052128877135969344}],"sentiment":"neutral","sentiment_score":-0.005507418366435628,"num_words":52,"start":26.455,"end":63.800003},{"sentences":[{"text":"Yeah.","start":65.14,"end":65.62,"sentiment":"neutral","sentiment_score":-0.01297567132860422},{"text":"So I think it was a week after I put it in or something, which is which is great.","start":65.62,"end":71.32,"sentiment":"neutral","sentiment_score":0.0023302060404890453},{"text":"But because yeah.","start":71.62,"end":73.985,"sentiment":"neutral","sentiment_score":-0.03133774672945341},{"text":"Originally, our plan was to get through the financial year and then do it, but I don't think we're gonna have enough time to set it up.","start":74.605,"end":85.025,"sentiment":"neutral","sentiment_score":-0.09381482198282524},{"text":"Yeah.","start":87.005005,"end":87.505005,"sentiment":"neutral","sentiment_score":-0.07607139647006989}],"sentiment":"neutral","sentiment_score":-0.052387972289294586,"num_words":51,"start":65.14,"end":87.505005},{"sentences":[{"text":"Yeah.","start":97.18,"end":97.68,"sentiment":"neutral","sentiment_score":-0.05347061902284622},{"text":"Yeah.","start":102.78,"end":103.28,"sentiment":"neutral","sentiment_score":-0.06080757826566696},{"text":"Yep.","start":108.415,"end":108.915,"sentiment":"neutral","sentiment_score":-0.06231987476348877},{"text":"Exactly.","start":110.175,"end":110.675,"sentiment":"neutral","sentiment_score":-0.04099158197641373},{"text":"Yeah.","start":112.975,"end":113.475,"sentiment":"neutral","sentiment_score":-0.08490516990423203}],"sentiment":"neutral","sentiment_score":-0.06049896478652954,"num_words":5,"start":97.18,"end":113.475},{"sentences":[{"text":"No.","start":115.775,"end":116.015,"sentiment":"neutral","sentiment_score":-0.07925046235322952},{"text":"Yeah.","start":116.015,"end":116.175,"sentiment":"neutral","sentiment_score":0.0019144229590892792},{"text":"Yeah.","start":116.175,"end":116.415,"sentiment":"neutral","sentiment_score":0.11096407473087312},{"text":"That's fine.","start":116.415,"end":117.055,"sentiment":"neutral","sentiment_score":0.3265860974788666},{"text":"That's fine.","start":117.055,"end":117.63,"sentiment":"positive","sentiment_score":0.4085959643125534}],"sentiment":"neutral","sentiment_score":0.2148560227027961,"num_words":7,"start":115.775,"end":117.63},{"sentences":[{"text":"I thought that was gonna be the answer.","start":117.71,"end":119.81,"sentiment":"neutral","sentiment_score":0.10915753617882729},{"text":"So I was wondering, like, would a commercial because I know commercial hasn't been touched when it comes to that kind of stuff.","start":121.71,"end":130.67,"sentiment":"neutral","sentiment_score":-0.03567055054008961},{"text":"Is that worth looking down going down that route?","start":130.67,"end":135.315,"sentiment":"neutral","sentiment_score":-0.04676221931974093},{"text":"Or is it better just to just pop the 50,000 loss and Yep.","start":135.315,"end":154.53,"sentiment":"neutral","sentiment_score":-0.09064077471311276},{"text":"Yep.","start":160.075,"end":160.575,"sentiment":"neutral","sentiment_score":0.2523092031478882}],"sentiment":"neutral","sentiment_score":-0.023963763240586827,"num_words":54,"start":117.71,"end":160.575},{"sentences":[{"text":"No.","start":171.515,"end":171.915,"sentiment":"neutral","sentiment_score":-0.06054063141345978},{"text":"That's the that's the thing.","start":171.915,"end":172.95499,"sentiment":"neutral","sentiment_score":-0.05372135564684868},{"text":"We haven't I haven't personally looked at anything like as I said, we're all going in on doing the residential thing, and then it all obviously all got changed.","start":172.95499,"end":183.59,"sentiment":"neutral","sentiment_score":-0.055973972226011345},{"text":"But no.","start":183.59,"end":185.75,"sentiment":"neutral","sentiment_score":-0.08688447251915932},{"text":"I haven't I haven't looked at anything.","start":185.75,"end":188.395,"sentiment":"neutral","sentiment_score":-0.12132241257599422}],"sentiment":"neutral","sentiment_score":-0.06762314630164341,"num_words":44,"start":171.515,"end":188.395},{"sentences":[{"text":"We're just saying what was the best best thing for us because my wife was well, we're gonna go combined, so my wife is gonna put her super in as well.","start":188.455,"end":198.955,"sentiment":"neutral","sentiment_score":0.09457419488218523},{"text":"Yep.","start":220.845,"end":221.345,"sentiment":"neutral","sentiment_score":0.1960647702217102},{"text":"Yeah.","start":231.83,"end":232.33,"sentiment":"neutral","sentiment_score":0.02186274155974388},{"text":"Yeah.","start":232.54001,"end":232.79001,"sentiment":"neutral","sentiment_score":0.06413401663303375},{"text":"Yep.","start":232.79001,"end":233.29001,"sentiment":"neutral","sentiment_score":0.11341142654418944}],"sentiment":"neutral","sentiment_score":0.09506494275161198,"num_words":35,"start":188.455,"end":233.29001},{"sentences":[{"text":"Yep.","start":241.51001,"end":242.01001,"sentiment":"neutral","sentiment_score":0.11399518698453905},{"text":"Okay.","start":247.005,"end":247.505,"sentiment":"neutral","sentiment_score":0.03448939323425293},{"text":"Too lazy.","start":247.72499,"end":248.465,"sentiment":"neutral","sentiment_score":-0.03459186665713787},{"text":"Yeah.","start":265.51,"end":265.99,"sentiment":"neutral","sentiment_score":0.09299023449420928},{"text":"Well, I guess we got no got no rush now.","start":265.99,"end":270.86502,"sentiment":"neutral","sentiment_score":0.030449408665299417}],"sentiment":"neutral","sentiment_score":0.031785677870114645,"num_words":15,"start":241.51001,"end":270.86502},{"sentences":[{"text":"I well, yeah.","start":273.64502,"end":274.445,"sentiment":"neutral","sentiment_score":0.10511358827352524},{"text":"I I could speak to my wife and speak to her and see what she thinks as well.","start":274.445,"end":280.30502,"sentiment":"neutral","sentiment_score":0.15772927924990654},{"text":"Because what yeah.","start":280.78,"end":281.74,"sentiment":"neutral","sentiment_score":0.04841133703788122},{"text":"She's sort of waiting to hear back what would happen with this.","start":281.74,"end":284.96,"sentiment":"neutral","sentiment_score":-0.00778620100269715},{"text":"But Oh, yeah.","start":285.74,"end":301.795,"sentiment":"neutral","sentiment_score":0.09598257640997569}],"sentiment":"neutral","sentiment_score":0.08959525947769482,"num_words":39,"start":273.64502,"end":301.795},{"sentences":[{"text":"Good.","start":309.935,"end":310.435,"sentiment":"neutral","sentiment_score":0.2854592204093933},{"text":"Yeah.","start":311.65997,"end":312.15997,"sentiment":"neutral","sentiment_score":0.0683184266090393},{"text":"Yeah.","start":315.97998,"end":316.47998,"sentiment":"neutral","sentiment_score":0.0697212815284729},{"text":"Yeah.","start":321.9,"end":322.21997,"sentiment":"neutral","sentiment_score":0.09300502389669418},{"text":"Okay.","start":322.21997,"end":322.69998,"sentiment":"neutral","sentiment_score":0.10541006922721864}],"sentiment":"neutral","sentiment_score":0.12438280433416367,"num_words":5,"start":309.935,"end":322.69998},{"sentences":[{"text":"Yeah.","start":322.69998,"end":322.93997,"sentiment":"neutral","sentiment_score":0.13676559925079346},{"text":"That's yeah.","start":322.93997,"end":323.5,"sentiment":"neutral","sentiment_score":0.21176788955926895},{"text":"For sure.","start":323.5,"end":323.9,"sentiment":"neutral","sentiment_score":0.2981145977973938},{"text":"Convenient.","start":323.9,"end":324.4,"sentiment":"positive","sentiment_score":0.5186098217964172},{"text":"Yeah.","start":325.97998,"end":326.47998,"sentiment":"neutral","sentiment_score":0.31129971146583557}],"sentiment":"neutral","sentiment_score":0.28377715817519594,"num_words":7,"start":322.69998,"end":326.47998},{"sentences":[{"text":"Yeah.","start":335.245,"end":335.745,"sentiment":"neutral","sentiment_score":-0.11343351006507874},{"text":"Yes.","start":348.90002,"end":349.40002,"sentiment":"neutral","sentiment_score":-0.024089600890874863},{"text":"Yes.","start":356.82,"end":357.32,"sentiment":"neutral","sentiment_score":-0.17124226689338684},{"text":"Yep.","start":362.205,"end":362.705,"sentiment":"neutral","sentiment_score":-0.08808308839797974},{"text":"Yeah.","start":364.44498,"end":364.60498,"sentiment":"neutral","sentiment_score":-0.044295452535152435}],"sentiment":"neutral","sentiment_score":-0.08822878375649452,"num_words":5,"start":335.245,"end":364.60498},{"sentences":[{"text":"Okay.","start":364.60498,"end":365.10498,"sentiment":"neutral","sentiment_score":-0.03674071282148361},{"text":"Yeah.","start":365.485,"end":365.88498,"sentiment":"neutral","sentiment_score":-0.050174128264188766},{"text":"Yeah.","start":365.88498,"end":366.125,"sentiment":"neutral","sentiment_score":-0.08030885457992554},{"text":"I thought that all I'll probably go on here.","start":366.125,"end":367.88498,"sentiment":"neutral","sentiment_score":-0.32216571602556443},{"text":"I knew it was gonna take a while.","start":367.88498,"end":369.585,"sentiment":"neutral","sentiment_score":-0.22556395828723907}],"sentiment":"neutral","sentiment_score":-0.24356134030967952,"num_words":20,"start":364.60498,"end":369.585},{"sentences":[{"text":"It was gonna take a few weeks, and then you set it all up, and you still might not even get past.","start":369.85,"end":375.31,"sentiment":"neutral","sentiment_score":-0.2250728959386999},{"text":"Yeah.","start":379.85,"end":380.35,"sentiment":"neutral","sentiment_score":-0.12337358295917512},{"text":"Yeah.","start":391.155,"end":391.655,"sentiment":"neutral","sentiment_score":-0.07924997806549072},{"text":"Yeah.","start":396.755,"end":397.005,"sentiment":"neutral","sentiment_score":-0.02651950903236866},{"text":"Yeah.","start":397.005,"end":397.505,"sentiment":"neutral","sentiment_score":0.003315696492791176}],"sentiment":"neutral","sentiment_score":-0.19913196477752465,"num_words":26,"start":369.85,"end":397.505},{"sentences":[{"text":"Yeah.","start":398.37,"end":398.87,"sentiment":"neutral","sentiment_score":0.053683146834373474},{"text":"Yeah.","start":400.93,"end":401.43,"sentiment":"neutral","sentiment_score":0.07219630479812622},{"text":"Well, that's what I mean.","start":402.05,"end":403.01,"sentiment":"neutral","sentiment_score":-0.06698350831866265},{"text":"We've we've been looking at it for, like, a year or two.","start":403.01,"end":405.41,"sentiment":"neutral","sentiment_score":-0.0931440865000089},{"text":"And we're like, oh, well, then we sold the property and we're like, oh, we've got a bit of extra money.","start":405.41,"end":410.22998,"sentiment":"neutral","sentiment_score":-0.10135004811343692}],"sentiment":"neutral","sentiment_score":-0.08637795345857739,"num_words":40,"start":398.37,"end":410.22998},{"sentences":[{"text":"So we'll throw it in the account.","start":410.715,"end":412.155,"sentiment":"neutral","sentiment_score":-0.0589278308408601},{"text":"And then literally, what a week later, I'm like, what are the bloody chances?","start":412.155,"end":416.555,"sentiment":"neutral","sentiment_score":0.001740073785185814},{"text":"But anyway yeah.","start":416.555,"end":424.17502,"sentiment":"neutral","sentiment_score":0.15488315808276334},{"text":"Well, that's it.","start":431.35,"end":432.39,"sentiment":"neutral","sentiment_score":0.041473359490434326},{"text":"Yeah.","start":432.39,"end":432.89,"sentiment":"neutral","sentiment_score":0.109641395509243}],"sentiment":"neutral","sentiment_score":0.011092041619122028,"num_words":28,"start":410.715,"end":432.89},{"sentences":[{"text":"That's it.","start":434.31,"end":435.13,"sentiment":"neutral","sentiment_score":0.13008736819028854},{"text":"Yeah.","start":436.63,"end":437.13,"sentiment":"neutral","sentiment_score":0.04476841539144516},{"text":"Yeah.","start":440.355,"end":440.835,"sentiment":"neutral","sentiment_score":0.050627999007701874},{"text":"Yeah.","start":440.835,"end":440.995,"sentiment":"neutral","sentiment_score":0.051927030086517334},{"text":"Of course.","start":440.995,"end":441.475,"sentiment":"neutral","sentiment_score":0.05934450589120388}],"sentiment":"neutral","sentiment_score":0.07516959894980703,"num_words":7,"start":434.31,"end":441.475},{"sentences":[{"text":"Of course.","start":441.475,"end":442.035,"sentiment":"neutral","sentiment_score":0.06836767122149467},{"text":"Yeah.","start":442.035,"end":442.355,"sentiment":"neutral","sentiment_score":0.10535511374473572},{"text":"Not a problem.","start":442.355,"end":443.175,"sentiment":"neutral","sentiment_score":0.2652413348356883},{"text":"I think I have a I think I will review with you next week anyway.","start":443.555,"end":448.375,"sentiment":"neutral","sentiment_score":0.2499924272298813},{"text":"So yep.","start":448.915,"end":456.36002,"sentiment":"neutral","sentiment_score":0.08089285716414452}],"sentiment":"neutral","sentiment_score":0.21519506884657819,"num_words":23,"start":441.475,"end":456.36002},{"sentences":[{"text":"K.","start":456.90002,"end":457.14,"sentiment":"neutral","sentiment_score":0.04322110489010811},{"text":"No problem.","start":457.14,"end":457.96002,"sentiment":"neutral","sentiment_score":0.07776886969804764},{"text":"Yep.","start":468.375,"end":468.875,"sentiment":"neutral","sentiment_score":0.06805498898029327},{"text":"Yeah.","start":471.97498,"end":472.215,"sentiment":"neutral","sentiment_score":0.03216297924518585},{"text":"Not a problem.","start":472.215,"end":473.035,"sentiment":"neutral","sentiment_score":-0.0351793405910333}],"sentiment":"neutral","sentiment_score":0.024179848842322826,"num_words":8,"start":456.90002,"end":473.035},{"sentences":[{"text":"Yeah.","start":473.895,"end":474.13498,"sentiment":"neutral","sentiment_score":0.15448829531669617},{"text":"All good.","start":474.13498,"end":474.615,"sentiment":"neutral","sentiment_score":0.2813955843448639},{"text":"Not a problem, mate.","start":474.615,"end":475.675,"sentiment":"neutral","sentiment_score":0.27206504717469215},{"text":"No.","start":479.13998,"end":479.46,"sentiment":"neutral","sentiment_score":0.06800610572099686},{"text":"That's it.","start":479.46,"end":480.28,"sentiment":"neutral","sentiment_score":0.13848407939076424}],"sentiment":"neutral","sentiment_score":0.21505139172077178,"num_words":10,"start":473.895,"end":480.28},{"sentences":[{"text":"Yep.","start":491.71295,"end":492.11295,"sentiment":"neutral","sentiment_score":0.1180286556482315},{"text":"Too easy.","start":492.11295,"end":492.75296,"sentiment":"neutral","sentiment_score":0.2678786963224411},{"text":"No problem.","start":492.75296,"end":493.49295,"sentiment":"positive","sentiment_score":0.4086223542690277},{"text":"You too.","start":495.23294,"end":496.05295,"sentiment":"positive","sentiment_score":0.7329188287258148},{"text":"Be well.","start":496.35297,"end":497.09296,"sentiment":"positive","sentiment_score":0.7002797424793243}],"sentiment":"positive","sentiment_score":0.4819364332490497,"num_words":9,"start":491.71295,"end":497.09296}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Dan. Tommy here from. How are you doing?\n\nChannel 1: Hi, Tommy. How are we?\n\nChannel 0: I'm doing fantastic. It's a brilliant day. What about your end?\n\nChannel 1: Yeah. Not bad, mate. Not bad at all.\n\nChannel 0: Good to hear. Good to hear. Have I caught you at a good time?\n\nChannel 1: Yeah. Yeah. Perfect. Yeah.\n\nChannel 0: Cool. Cool. So, mate, I'll just quickly do the usual security check for your details, and I believe we're talking potential SMSF today.\n\nChannel 1: Yeah. I just wanted to ask a few things there.\n\nChannel 0: Yeah. No worries, mate. Can you just confirm your date of birth and address for me?\n\nChannel 1: Yes. Date of birth is fifteenth of the second nineteen eighty nine, and address is 28 Ridley Waters Drive, Lorraine 4211.\n\nChannel 0: Sensational. Thank you so much for doing that, mate. What can I what's the main thing for the questions there?\n\nChannel 1: Well, obviously, we obviously did the $50 in the super,\n\nChannel 0: Yep.\n\nChannel 1: and then they obviously changed the whole SMSF thing on us.\n\nChannel 0: As they do.\n\nChannel 1: Yeah. So I\n\nChannel 0: Classic\n\nChannel 1: think it was a\n\nChannel 0: government.\n\nChannel 1: week after I put it in or something, which\n\nChannel 0: Yeah.\n\nChannel 1: is\n\nChannel 0: Yep.\n\nChannel 1: which is great. But because yeah. Originally, our plan was to get through the financial year and then do it, but I don't think we're gonna have enough time\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: to\n\nChannel 0: It's\n\nChannel 1: set\n\nChannel 0: a bit\n\nChannel 1: it\n\nChannel 0: of\n\nChannel 1: up.\n\nChannel 0: a tight squeeze at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. We're we're kind of heavily restricted at the moment because normally time frame for the SMSFs is we go usually a couple of weeks for the advice and\n\nChannel 1: Yeah.\n\nChannel 0: then usually three weeks to set up, you know, accounts through the rollovers, all that kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: And we've only really got about five weeks to get approved lending to make\n\nChannel 1: Yep.\n\nChannel 0: the cutoff.\n\nChannel 1: Exactly.\n\nChannel 0: So not makes it not\n\nChannel 1: Yeah.\n\nChannel 0: as fun, but yeah.\n\nChannel 1: No. Yeah. Yeah. That's fine. That's fine.\n\nI thought that was gonna be the answer. So I was wondering, like, would a commercial because I know commercial hasn't been touched when it comes to that kind of stuff. Is that worth looking down going down that route? Or is it better just to just pop the 50,000 loss and\n\nChannel 0: Well, commercial is still possible, and I do have a few clients that do the old commercial through super. It's really just trying to find the right ones because, obviously, commercial is a a mixed bag across the country about what you're getting into.\n\nChannel 1: Yep.\n\nChannel 0: And, again, look, that that 50 getting invested, and we're gonna try and grow that as much as we can so that you get something out\n\nChannel 1: Yep.\n\nChannel 0: of it at the end of the day. But, look, yeah, it definitely is possible. Depends, like, have you looked into any commercial properties recently?\n\nChannel 1: No. That's the that's the thing. We haven't I haven't personally looked at anything\n\nChannel 0: Or\n\nChannel 1: like as I said, we're all going in on doing the residential thing, and then it all obviously all got changed. But no. I haven't I haven't looked at anything. We're just saying what was the best best thing for us because my wife was well, we're gonna go combined, so my wife is gonna put her super in as well.\n\nChannel 0: Yeah. Yeah. If it's helpful, Dane, one of the things that we do have access to is we use a buyer's agent sometimes to help find properties all over the country, whether it's residential, rural areas, or commercial property and things like that. It might be worth touching base with someone like that just to\n\nChannel 1: Yep.\n\nChannel 0: see kind of what's out there. And if you see some properties where you're like, oh, this looks really attractive, then we can kind of look a bit more specific about jumping into it. Because, obviously, it's a bit of a process, right, to\n\nChannel 1: Yeah.\n\nChannel 0: go through\n\nChannel 1: Yeah. Yep.\n\nChannel 0: the advice and the figures and the costs and the setup. So maybe step one is just seeing if there's commercial properties that are attractive for you guys, and\n\nChannel 1: Yep.\n\nChannel 0: then we can kind of make a decision off of that whether we go the SMSF route.\n\nChannel 1: Okay. Too lazy.\n\nChannel 0: Is that something you wanna actively look at right now? I can get you on to a guy, or I can kind of tee up something in a few months' time. Just really depends on your availability and and how fast you wanna sort of have a look at it.\n\nChannel 1: Yeah. Well, I guess we got no got no rush now. I well, yeah. I I could speak to my wife and speak to her and see what she thinks as well. Because what yeah.\n\nChannel 0: Yeah.\n\nChannel 1: She's sort of waiting to hear back what would happen with this.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Because I've had a a few really interesting fun ones over the years in my career where people have gotten businesses in terms of on-site property management. I've had a guy do a theme park and a caravan park and all kinds of stuff and\n\nChannel 1: Oh, yeah.\n\nChannel 0: factories and, you know, commercial property that way as well. So if you wanna talk to the missus and and see what you guys think,\n\nChannel 1: Good.\n\nChannel 0: I'll put a flag on your account\n\nChannel 1: Yeah.\n\nChannel 0: that if you call back in and you would like to speak to someone, that they can\n\nChannel 1: Yeah.\n\nChannel 0: shoot you off a bit of a referral email to them to at least just have that initial discussion and see how it goes.\n\nChannel 1: Yeah. Okay. Yeah. That's yeah. For sure.\n\nConvenient.\n\nChannel 0: That sound alright?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Yeah. Because it's one of those things when it comes to that residential, I'm getting those questions every couple of days about, oh, can we squeeze it in kind of thing. But\n\nChannel 1: Yeah.\n\nChannel 0: the risk at the moment like, I'm I'm good at getting things done quickly, but there's a there's risks down the line that if you try and squeeze it in and we get all the advice done, it's like, oh, does the lending even get approved in time? And then if\n\nChannel 1: Yes.\n\nChannel 0: you get a contract and it's after that date, the cutoff, other banks even gonna approve any lending for the residential properties? No one actually\n\nChannel 1: Yes.\n\nChannel 0: knows right now if they're gonna honor any applications submitted before the date if they're gonna\n\nChannel 1: Yep.\n\nChannel 0: still approve them after the date.\n\nChannel 1: Yeah. Okay. Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: I thought\n\nChannel 0: it's\n\nChannel 1: that\n\nChannel 0: just\n\nChannel 1: all\n\nChannel 0: too\n\nChannel 1: I'll\n\nChannel 0: many\n\nChannel 1: probably\n\nChannel 0: risks.\n\nChannel 1: go on here. I knew it was gonna take a while. It was gonna take\n\nChannel 0: Yeah.\n\nChannel 1: a few weeks, and then you set it all up, and you still might not even get past.\n\nChannel 0: And it was out of nowhere too because I was I was monitoring it daily, and they were\n\nChannel 1: Yeah.\n\nChannel 0: talking about all the CGT changes, the negative gearing. And I started seeing these rumblings about, you know, parties talking to each other about, you know, you can get our votes if you do this, this, this, and this.\n\nChannel 1: Yeah.\n\nChannel 0: And I I had that the day before and went, no. There's no way in the world they're gonna can SMSF.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then literally the next day,\n\nChannel 1: Yeah.\n\nChannel 0: yep, they've approved with the Greens, get the votes,\n\nChannel 1: Yeah.\n\nChannel 0: get across.\n\nChannel 1: Well, that's what I mean. We've we've been looking at it for, like, a year or two. And we're like, oh, well, then we sold the property and we're like, oh, we've got a bit of extra money. So we'll throw it in the account. And then literally, what a week later, I'm like, what are the bloody chances?\n\nBut anyway\n\nChannel 0: Yeah. Absolutely. But, like, rest assured, mate, I'll make sure it's not a waste on your end, that that goes\n\nChannel 1: yeah.\n\nChannel 0: to good use and it grows. And then at least, you know, one day you can sit there and say, oh, look. There's an extra 250,000 sitting there because it's growing really well over the\n\nChannel 1: Well,\n\nChannel 0: decades.\n\nChannel 1: that's it. Yeah.\n\nChannel 0: And\n\nChannel 1: That's\n\nChannel 0: I'll make\n\nChannel 1: it.\n\nChannel 0: sure you get something out of it that way. But\n\nChannel 1: Yeah.\n\nChannel 0: any other options, we'll, again, investigate anything.\n\nChannel 1: Yeah. Yeah. Of course. Of course. Yeah.\n\nNot a problem. I think\n\nChannel 0: Cool.\n\nChannel 1: I have a I think I will review with you next week anyway.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. I'm just getting a bit of research done, and I'll have a look at a few things in a bit more depth than we did last time.\n\nChannel 1: yep. K. No\n\nChannel 0: And\n\nChannel 1: problem.\n\nChannel 0: we can kinda see, do I need to tweak any of the strategies a little bit? Not much has changed, of course, but we'll see how things have changed in your life and what we need to kind of go down. And\n\nChannel 1: Yep.\n\nChannel 0: if there's anything in particular on the day, let me know, and\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Not\n\nChannel 0: can jump\n\nChannel 1: a problem.\n\nChannel 0: into it with you.\n\nChannel 1: Yeah. All good. Not a problem, mate.\n\nChannel 0: Awesome, Dana. Any other questions I can do for you before I let you go?\n\nChannel 1: No. That's it.\n\nChannel 0: Easy peasy. Look at like I said, I'll put a flag on the account. If your partner's interested, just give us a call and the team can shoot off that email. If not, I will speak to you on the eighth.\n\nChannel 1: Yep. Too easy. No problem.\n\nChannel 0: Awesome, mate. Have a great day.\n\nChannel 1: You too. Be well.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.029745958745479584}],"sentiment":"neutral","sentiment_score":0.029745958745479584,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Good day, Dan.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.2773486375808716},{"text":"Tommy here from.","start":3.6799998,"end":4.74,"sentiment":"neutral","sentiment_score":0.20962809026241302},{"text":"How are you doing?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.16731807589530945}],"sentiment":"neutral","sentiment_score":0.21302024871110917,"channel":0,"num_words":10,"start":3.04,"end":5.7},{"sentences":[{"text":"Hi, Tommy.","start":5.92,"end":6.48,"sentiment":"neutral","sentiment_score":0.2017034888267517},{"text":"How are we?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.2006926437218984}],"sentiment":"neutral","sentiment_score":0.20109698176383972,"channel":1,"num_words":5,"start":5.92,"end":7.2999997},{"sentences":[{"text":"I'm doing fantastic.","start":7.6,"end":8.74,"sentiment":"positive","sentiment_score":0.764756957689921},{"text":"It's a brilliant day.","start":9.04,"end":9.76,"sentiment":"positive","sentiment_score":0.7427866160869598},{"text":"What about your end?","start":9.76,"end":10.9,"sentiment":"neutral","sentiment_score":0.24216904863715172}],"sentiment":"positive","sentiment_score":0.5667357756332918,"channel":0,"num_words":11,"start":7.6,"end":10.9},{"sentences":[{"text":"Yeah.","start":11.2,"end":11.599999,"sentiment":"neutral","sentiment_score":0.12688857316970825},{"text":"Not bad, mate.","start":11.599999,"end":12.16,"sentiment":"neutral","sentiment_score":0.17673666775226593},{"text":"Not bad at all.","start":12.16,"end":13.219999,"sentiment":"neutral","sentiment_score":0.1697135753929615}],"sentiment":"neutral","sentiment_score":0.166994109749794,"channel":1,"num_words":8,"start":11.2,"end":13.219999},{"sentences":[{"text":"Good to hear.","start":13.375,"end":13.8550005,"sentiment":"positive","sentiment_score":0.3714459041754405},{"text":"Good to hear.","start":13.8550005,"end":14.415,"sentiment":"positive","sentiment_score":0.35135167837142944},{"text":"Have I caught you at a good time?","start":14.415,"end":16.035,"sentiment":"neutral","sentiment_score":0.13849313091486692}],"sentiment":"neutral","sentiment_score":0.2340241282113961,"channel":0,"num_words":14,"start":13.375,"end":16.035},{"sentences":[{"text":"Yeah.","start":16.375,"end":16.615,"sentiment":"neutral","sentiment_score":0.1333865225315094},{"text":"Yeah.","start":16.615,"end":16.855,"sentiment":"neutral","sentiment_score":0.2041306048631668},{"text":"Perfect.","start":16.855,"end":17.355,"sentiment":"positive","sentiment_score":0.347470223903656},{"text":"Yeah.","start":17.415,"end":17.915,"sentiment":"neutral","sentiment_score":0.26600462198257446}],"sentiment":"neutral","sentiment_score":0.23774799332022667,"channel":1,"num_words":4,"start":16.375,"end":17.915},{"sentences":[{"text":"Cool.","start":18.415,"end":18.655,"sentiment":"positive","sentiment_score":0.3664206862449646},{"text":"Cool.","start":18.655,"end":18.895,"sentiment":"neutral","sentiment_score":0.27490901947021484},{"text":"So, mate, I'll just quickly do the usual security check for your details, and I believe we're talking potential SMSF today.","start":18.895,"end":25.795,"sentiment":"neutral","sentiment_score":0.11628291081814539}],"sentiment":"neutral","sentiment_score":0.13405525360418402,"channel":0,"num_words":23,"start":18.415,"end":25.795},{"sentences":[{"text":"Yeah.","start":26.455,"end":26.695,"sentiment":"neutral","sentiment_score":0.03395698964595795},{"text":"I just wanted to ask a few things there.","start":26.695,"end":28.795,"sentiment":"neutral","sentiment_score":0.028660775472720463}],"sentiment":"neutral","sentiment_score":0.029190396890044212,"channel":1,"num_words":10,"start":26.455,"end":28.795},{"sentences":[{"text":"Yeah.","start":29.27,"end":29.59,"sentiment":"neutral","sentiment_score":0.04130909591913223},{"text":"No worries, mate.","start":29.59,"end":30.31,"sentiment":"neutral","sentiment_score":0.060178931802511215},{"text":"Can you just confirm your date of birth and address for me?","start":30.31,"end":33.29,"sentiment":"neutral","sentiment_score":0.03566920446852843}],"sentiment":"neutral","sentiment_score":0.04061727155931294,"channel":0,"num_words":16,"start":29.27,"end":33.29},{"sentences":[{"text":"Yes.","start":33.7,"end":33.94,"sentiment":"neutral","sentiment_score":0.020149730145931244},{"text":"Date of birth is fifteenth of the second nineteen eighty nine, and address is 28 Ridley Waters Drive, Lorraine 4211.","start":33.94,"end":43.079998,"sentiment":"neutral","sentiment_score":0.02481334828771651}],"sentiment":"neutral","sentiment_score":0.02459127123334578,"channel":1,"num_words":21,"start":33.7,"end":43.079998},{"sentences":[{"text":"Sensational.","start":43.845,"end":44.345,"sentiment":"neutral","sentiment_score":0.111294187605381},{"text":"Thank you so much for doing that, mate.","start":44.645,"end":46.425003,"sentiment":"positive","sentiment_score":0.5820680037140846},{"text":"What can I what's the main thing for the questions there?","start":47.125,"end":50.61,"sentiment":"neutral","sentiment_score":0.0983781096610156}],"sentiment":"neutral","sentiment_score":0.29249987117946147,"channel":0,"num_words":20,"start":43.845,"end":50.61},{"sentences":[{"text":"Well, obviously, we obviously did the $50 in the super,","start":51.475,"end":57.575,"sentiment":"neutral","sentiment_score":-0.03537574335932732}],"sentiment":"neutral","sentiment_score":-0.03537574335932732,"channel":1,"num_words":10,"start":51.475,"end":57.575},{"sentences":[{"text":"Yep.","start":58.37,"end":58.87,"sentiment":"neutral","sentiment_score":-0.04074010252952576}],"sentiment":"neutral","sentiment_score":-0.04074010252952576,"channel":0,"num_words":1,"start":58.37,"end":58.87},{"sentences":[{"text":"and then they obviously changed the whole SMSF thing on us.","start":59.300003,"end":63.800003,"sentiment":"neutral","sentiment_score":-0.06735899875109846}],"sentiment":"neutral","sentiment_score":-0.06735899875109846,"channel":1,"num_words":11,"start":59.300003,"end":63.800003},{"sentences":[{"text":"As they do.","start":63.665,"end":64.645,"sentiment":"neutral","sentiment_score":-0.03176941846807798}],"sentiment":"neutral","sentiment_score":-0.03176941846807798,"channel":0,"num_words":3,"start":63.665,"end":64.645},{"sentences":[{"text":"Yeah.","start":65.14,"end":65.62,"sentiment":"neutral","sentiment_score":-0.01297567132860422},{"text":"So I","start":65.62,"end":66.5,"sentiment":"neutral","sentiment_score":-0.023057539016008377}],"sentiment":"neutral","sentiment_score":-0.01969691645354032,"channel":1,"num_words":3,"start":65.14,"end":66.5},{"sentences":[{"text":"Classic","start":66.305,"end":66.805,"sentiment":"neutral","sentiment_score":-0.04603107273578644}],"sentiment":"neutral","sentiment_score":-0.04603107273578644,"channel":0,"num_words":1,"start":66.305,"end":66.805},{"sentences":[{"text":"think it was a","start":66.5,"end":67.06,"sentiment":"neutral","sentiment_score":-0.02689091069623828}],"sentiment":"neutral","sentiment_score":-0.02689091069623828,"channel":1,"num_words":4,"start":66.5,"end":67.06},{"sentences":[{"text":"government.","start":67.025,"end":67.525,"sentiment":"neutral","sentiment_score":-0.029582884162664413}],"sentiment":"neutral","sentiment_score":-0.029582884162664413,"channel":0,"num_words":1,"start":67.025,"end":67.525},{"sentences":[{"text":"week after I put it in or something, which","start":67.06,"end":69.86,"sentiment":"neutral","sentiment_score":-0.014448183692163892}],"sentiment":"neutral","sentiment_score":-0.014448183692163892,"channel":1,"num_words":9,"start":67.06,"end":69.86},{"sentences":[{"text":"Yeah.","start":69.665,"end":70.165,"sentiment":"neutral","sentiment_score":0.00666799396276474}],"sentiment":"neutral","sentiment_score":0.00666799396276474,"channel":0,"num_words":1,"start":69.665,"end":70.165},{"sentences":[{"text":"is","start":69.86,"end":70.36,"sentiment":"neutral","sentiment_score":0.006790090352296829}],"sentiment":"neutral","sentiment_score":0.006790090352296829,"channel":1,"num_words":1,"start":69.86,"end":70.36},{"sentences":[{"text":"Yep.","start":70.305,"end":70.805,"sentiment":"neutral","sentiment_score":0.025404062122106552}],"sentiment":"neutral","sentiment_score":0.025404062122106552,"channel":0,"num_words":1,"start":70.305,"end":70.805},{"sentences":[{"text":"which is great.","start":70.42,"end":71.32,"sentiment":"neutral","sentiment_score":0.10706539948781331},{"text":"But because yeah.","start":71.62,"end":73.985,"sentiment":"neutral","sentiment_score":-0.03133774672945341},{"text":"Originally, our plan was to get through the financial year and then do it, but I don't think we're gonna have enough 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yeah.","start":113.21,"end":115.149994,"sentiment":"neutral","sentiment_score":-0.06698649935424328}],"sentiment":"neutral","sentiment_score":-0.06698649935424328,"channel":0,"num_words":4,"start":113.21,"end":115.149994},{"sentences":[{"text":"No.","start":115.775,"end":116.015,"sentiment":"neutral","sentiment_score":-0.07925046235322952},{"text":"Yeah.","start":116.015,"end":116.175,"sentiment":"neutral","sentiment_score":0.0019144229590892792},{"text":"Yeah.","start":116.175,"end":116.415,"sentiment":"neutral","sentiment_score":0.11096407473087312},{"text":"That's fine.","start":116.415,"end":117.055,"sentiment":"neutral","sentiment_score":0.3265860974788666},{"text":"That's fine.","start":117.055,"end":117.63,"sentiment":"positive","sentiment_score":0.4085959643125534}],"sentiment":"neutral","sentiment_score":0.2148560227027961,"channel":1,"num_words":7,"start":115.775,"end":117.63},{"sentences":[{"text":"I thought that was gonna be the 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trying to find the right ones because, obviously, commercial is a a mixed bag across the country about what you're getting into.","start":147.14499,"end":153.405,"sentiment":"neutral","sentiment_score":0.10187755420804023}],"sentiment":"neutral","sentiment_score":0.13284202859821645,"channel":0,"num_words":44,"start":141.70499,"end":153.405},{"sentences":[{"text":"Yep.","start":154.03,"end":154.53,"sentiment":"neutral","sentiment_score":0.1741984337568283}],"sentiment":"neutral","sentiment_score":0.1741984337568283,"channel":1,"num_words":1,"start":154.03,"end":154.53},{"sentences":[{"text":"And, again, look, that that 50 getting invested, and we're gonna try and grow that as much as we can so that you get something 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The potential risks of losing business and losing application approval are discussed, along with the risks of squeeze in on a residential property. The speaker provides insight into on-site property management and offers to answer any questions before ending the call."},"intents":{"segments":[{"text":"So, mate, I'll just quickly do the usual security check for your details, and I believe we're talking potential SMSF today. Yeah.","start_word":55,"end_word":76,"intents":[{"intent":"Confirm security check details","confidence_score":0.008223617}]},{"text":"Can you just confirm your date of birth and address for me? Yes.","start_word":90,"end_word":102,"intents":[{"intent":"Confirm date of birth and address","confidence_score":0.07777669},{"intent":"Clarify personal information","confidence_score":0.000058802514}]},{"text":"Well, obviously, we obviously did the $50 in the super, Yep. and then they obviously changed the whole SMSF thing on us. As they do.","start_word":143,"end_word":167,"intents":[{"intent":"Discuss smfsf changes","confidence_score":0.004510207}]},{"text":"We're we're kind of heavily restricted at the moment because normally time frame for the SMSFs is we go usually a couple of weeks for the advice and Yeah. then usually three weeks to set up, you know, accounts through the rollovers, all that kind of thing. Yeah.","start_word":236,"end_word":283,"intents":[{"intent":"Express constraint about time frame","confidence_score":0.0000046760447}]},{"text":"And we've only really got about five weeks to get approved lending to make Yep. the cutoff. Exactly.","start_word":284,"end_word":301,"intents":[{"intent":"Discuss loan approval","confidence_score":0.0677543}]},{"text":"Depends, like, have you looked into any commercial properties recently?","start_word":458,"end_word":467,"intents":[{"intent":"Compare commercial properties","confidence_score":0.0025553904}]},{"text":"So maybe step one is just seeing if there's commercial properties that are attractive for you guys, and Yep. then we can kind of make a decision off of that whether we go the SMSF route.","start_word":660,"end_word":695,"intents":[{"intent":"Discuss property options","confidence_score":0.4083022}]},{"text":"I I could speak to my wife and speak to her and see what she thinks as well. Because what yeah.","start_word":763,"end_word":783,"intents":[{"intent":"Speak to wife","confidence_score":0.08012922}]},{"text":"that if you call back in and you would like to speak to someone, that they can Yeah.","start_word":880,"end_word":897,"intents":[{"intent":"Speak to someone","confidence_score":0.014081059}]},{"text":"the risk at the moment like, I'm I'm good at getting things done quickly, but there's a there's risks down the line that if you try and squeeze it in and we get all the advice done, it's like, oh, does the lending even get approved in time?","start_word":968,"end_word":1015,"intents":[{"intent":"Check and approve lending","confidence_score":0.000025185966}]},{"text":"And it was out of nowhere too because I was I was monitoring it daily, and they were Yeah.","start_word":1119,"end_word":1137,"intents":[{"intent":"Monitor and monitor application","confidence_score":0.014378413}]},{"text":"talking about all the CGT changes, the negative gearing. And I started seeing these rumblings about, you know, parties talking to each other about, you know, you can get our votes if you do this, this, this, and this. Yeah.","start_word":1138,"end_word":1177,"intents":[{"intent":"Discuss cgt changes","confidence_score":0.14563282}]},{"text":"And I I had that the day before and went, no. There's no way in the world they're gonna can SMSF. Yeah. Yeah.","start_word":1178,"end_word":1200,"intents":[{"intent":"Propose smsf approval","confidence_score":0.00086082856}]},{"text":"We've we've been looking at it for, like, a year or two. And we're like, oh, well, then we sold the property and we're like, oh, we've got a bit of extra money. So we'll throw it in the account.","start_word":1225,"end_word":1264,"intents":[{"intent":"Report cash payments","confidence_score":5.7425984e-7}]},{"text":"any other options, we'll, again, investigate anything. Yeah. 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It's a brilliant day.","start_word":16,"end_word":22,"sentiment":"positive","sentiment_score":0.7527850270271301},{"text":"What about your end? Yeah. Not bad, mate. Not bad at all.","start_word":23,"end_word":34,"sentiment":"neutral","sentiment_score":0.19631841778755188},{"text":"Good to hear. Good to hear.","start_word":35,"end_word":40,"sentiment":"positive","sentiment_score":0.35516127943992615},{"text":"Have I caught you at a good time? Yeah. Yeah.","start_word":41,"end_word":50,"sentiment":"neutral","sentiment_score":0.1484859734773636},{"text":"Perfect.","start_word":51,"end_word":51,"sentiment":"positive","sentiment_score":0.347470223903656},{"text":"Yeah.","start_word":52,"end_word":52,"sentiment":"neutral","sentiment_score":0.26600462198257446},{"text":"Cool.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.3664206862449646},{"text":"Cool. So, mate, I'll just quickly do the usual security check for your details, and I believe we're talking potential SMSF today. Yeah. I just wanted to ask a few things there. Yeah. No worries, mate. Can you just confirm your date of birth and address for me? Yes. Date of birth is fifteenth of the second nineteen eighty nine, and address is 28 Ridley Waters Drive, Lorraine 4211. Sensational.","start_word":54,"end_word":123,"sentiment":"neutral","sentiment_score":0.06594248861074448},{"text":"Thank you so much for doing that, mate.","start_word":124,"end_word":131,"sentiment":"positive","sentiment_score":0.583706259727478},{"text":"What can I what's the main thing for the questions there? Well, obviously, we obviously did the $50 in the super, Yep. and then they obviously changed the whole SMSF thing on us. As they do. Yeah. So I Classic think it was a government. week after I put it in or something, which Yeah. is Yep. which is great. But because yeah. Originally, our plan was to get through the financial year and then do it, but I don't think we're gonna have enough time Yeah. Yeah. to It's set a bit it of up. a tight squeeze at the moment. Yeah. Yeah. We're we're kind of heavily restricted at the moment because normally time frame for the SMSFs is we go usually a couple of weeks for the advice and Yeah. then usually three weeks to set up, you know, accounts through the rollovers, all that kind of thing. Yeah. And we've only really got about five weeks to get approved lending to make Yep. the cutoff. Exactly. So not makes it not Yeah. as fun, but yeah. No. Yeah. Yeah. That's fine.","start_word":132,"end_word":316,"sentiment":"neutral","sentiment_score":-0.056308820843696594},{"text":"That's fine.","start_word":317,"end_word":318,"sentiment":"positive","sentiment_score":0.4221053123474121},{"text":"I thought that was gonna be the answer. So I was wondering, like, would a commercial because I know commercial hasn't been touched when it comes to that kind of stuff. Is that worth looking down going down that route? Or is it better just to just pop the 50,000 loss and Well, commercial is still possible, and I do have a few clients that do the old commercial through super. It's really just trying to find the right ones because, obviously, commercial is a a mixed bag across the country about what you're getting into. Yep. And, again, look, that that 50 getting invested, and we're gonna try and grow that as much as we can so that you get something out Yep. of it at the end of the day. But, look, yeah, it definitely is possible. Depends, like, have you looked into any commercial properties recently? No. That's the that's the thing. We haven't I haven't personally looked at anything Or like as I said, we're all going in on doing the residential thing, and then it all obviously all got changed. But no. I haven't I haven't looked at anything. We're just saying what was the best best thing for us because my wife was well, we're gonna go combined, so my wife is gonna put her super in as well. Yeah. Yeah. If it's helpful, Dane, one of the things that we do have access to is we use a buyer's agent sometimes to help find properties all over the country, whether it's residential, rural areas, or commercial property and things like that. It might be worth touching base with someone like that just to Yep. see kind of what's out there. And if you see some properties where you're like, oh, this looks really attractive, then we can kind of look a bit more specific about jumping into it. Because, obviously, it's a bit of a process, right, to Yeah. go through Yeah. Yep. the advice and the figures and the costs and the setup. So maybe step one is just seeing if there's commercial properties that are attractive for you guys, and Yep. then we can kind of make a decision off of that whether we go the SMSF route. Okay. Too lazy. Is that something you wanna actively look at right now? I can get you on to a guy, or I can kind of tee up something in a few months' time. Just really depends on your availability and and how fast you wanna sort of have a look at it. Yeah. Well, I guess we got no got no rush now. I well, yeah. I I could speak to my wife and speak to her and see what she thinks as well. Because what yeah. Yeah. She's sort of waiting to hear back what would happen with this. Yeah. But Because I've had a a few really interesting fun ones over the years in my career where people have gotten businesses in terms of on-site property management. I've had a guy do a theme park and a caravan park and all kinds of stuff and Oh, yeah. factories and, you know, commercial property that way as well. So if you wanna talk to the missus and and see what you guys think, Good. I'll put a flag on your account Yeah. that if you call back in and you would like to speak to someone, that they can Yeah. shoot you off a bit of a referral email to them to at least just have that initial discussion and see how it goes. Yeah. Okay. Yeah. That's yeah. For sure.","start_word":319,"end_word":928,"sentiment":"neutral","sentiment_score":0.10603565508957769},{"text":"Convenient.","start_word":929,"end_word":929,"sentiment":"positive","sentiment_score":0.5186098217964172},{"text":"That sound alright? Yeah.","start_word":930,"end_word":933,"sentiment":"neutral","sentiment_score":0.3134176731109619},{"text":"Cool.","start_word":934,"end_word":934,"sentiment":"positive","sentiment_score":0.43804025650024414},{"text":"Yeah. Because it's one of those things when it comes to that residential, I'm getting those questions every couple of days about, oh, can we squeeze it in kind of thing. But Yeah. the risk at the moment like, I'm I'm good at getting things done quickly, but there's a there's risks down the line that if you try and squeeze it in and we get all the advice done, it's like, oh, does the lending even get approved in time? And then if Yes. you get a contract and it's after that date, the cutoff, other banks even gonna approve any lending for the residential properties? No one actually Yes. knows right now if they're gonna honor any applications submitted before the date if they're gonna Yep. still approve them after the date. Yeah. Okay. Yeah. Yeah.","start_word":935,"end_word":1072,"sentiment":"neutral","sentiment_score":-0.1268219281581865},{"text":"So I thought it's that just all too I'll many probably risks.","start_word":1073,"end_word":1084,"sentiment":"negative","sentiment_score":-0.34884965419769287},{"text":"go on here. I knew it was gonna take a while. It was gonna take Yeah. a few weeks, and then you set it all up, and you still might not even get past. And it was out of nowhere too because I was I was monitoring it daily, and they were Yeah. talking about all the CGT changes, the negative gearing. And I started seeing these rumblings about, you know, parties talking to each other about, you know, you can get our votes if you do this, this, this, and this. Yeah. And I I had that the day before and went, no. There's no way in the world they're gonna can SMSF. Yeah. Yeah. And then literally the next day, Yeah. yep, they've approved with the Greens, get the votes, Yeah. get across. Well, that's what I mean. We've we've been looking at it for, like, a year or two. And we're like, oh, well, then we sold the property and we're like, oh, we've got a bit of extra money. So we'll throw it in the account. And then literally, what a week later, I'm like, what are the bloody chances? But anyway Yeah.","start_word":1085,"end_word":1281,"sentiment":"neutral","sentiment_score":-0.12278236256827256},{"text":"Absolutely.","start_word":1282,"end_word":1282,"sentiment":"positive","sentiment_score":0.4538789987564087},{"text":"But, like, rest assured, mate, I'll make sure it's not a waste on your end, that that goes yeah.","start_word":1283,"end_word":1301,"sentiment":"neutral","sentiment_score":0.30607569217681885},{"text":"to good use and it grows.","start_word":1302,"end_word":1307,"sentiment":"positive","sentiment_score":0.5003589987754822},{"text":"And then at least, you know, one day you can sit there and say, oh, look. There's an extra 250,000 sitting there because it's growing really well over the Well, decades. that's it. Yeah. And That's I'll make it. sure you get something out of it that way. But Yeah. any other options, we'll, again, investigate anything. Yeah. Yeah. Of course. Of course. Yeah. Not a problem.","start_word":1308,"end_word":1374,"sentiment":"neutral","sentiment_score":0.14144310355186462},{"text":"I think Cool.","start_word":1375,"end_word":1377,"sentiment":"positive","sentiment_score":0.41798409819602966},{"text":"I have a I think I will review with you next week anyway. Yeah. So Yeah. I'm just getting a bit of research done, and I'll have a look at a few things in a bit more depth than we did last time. yep. K. No And problem. we can kinda see, do I need to tweak any of the strategies a little bit? Not much has changed, of course, but we'll see how things have changed in your life and what we need to kind of go down. And Yep. if there's anything in particular on the day, let me know, and Yeah. I Not can jump a problem. into it with you. Yeah. All good. Not a problem, mate.","start_word":1378,"end_word":1498,"sentiment":"neutral","sentiment_score":0.096939355134964},{"text":"Awesome, Dana.","start_word":1499,"end_word":1500,"sentiment":"positive","sentiment_score":0.512588381767273},{"text":"Any other questions I can do for you before I let you go? No. That's it.","start_word":1501,"end_word":1516,"sentiment":"neutral","sentiment_score":0.21390122175216675},{"text":"Easy peasy.","start_word":1517,"end_word":1518,"sentiment":"positive","sentiment_score":0.3839711844921112},{"text":"Look at like I said, I'll put a flag on the account. If your partner's interested, just give us a call and the team can shoot off that email. If not, I will speak to you on the eighth. Yep. Too easy.","start_word":1519,"end_word":1560,"sentiment":"neutral","sentiment_score":0.11528690904378892},{"text":"No problem. Awesome, mate. Have a great day. You too. Be well. Thank you. Bye.","start_word":1561,"end_word":1575,"sentiment":"positive","sentiment_score":0.6715701421101888}],"average":{"sentiment":"neutral","sentiment_score":0.05898547698548655}}}}