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It's basically Thursday based on the trajectory of the week. Yep. You know, one of those fun where you keep turning around and I'm looking at the week and forgetting what day it is. I thought it was Tuesday today. So yeah. It's okay. The the rollout from your super fund and have a chat with you with respect to where things are at and what's happening. And and your like, set up a SMS and from what Kayden was saying, intend to properly purchase property? Yeah. Are you, like, doing it independently, or have you, like, engaged an accountant to, like, assist you with setting up the SMS? Or Yep. Yeah. Okay. So with with the SMSF fund and, like, your superannuation fund, it means that you have two accounts open, and it it is not that it's a unique situation in any way, shape, or form. It's it's it's it's they're doing two very different things. Now depending on because because your SMSF is intending on purchasing a property, it would have to have a bare trust attached to it with your account which your account would have set up and would be operating. And then, obviously, you have a cash account through the bank you would obviously choose to bank with that enables you to obviously receive money and receive, you know, everything from your from rent, rental income, pay the bills, all that kind of fun stuff. So I guess the the the biggest question is is that what is the intent long term with SMSF fund? Are you intending on just owning the property with the SMSF account? And, you know, is it something that you wanna look at expanding on so that the SMSF owns more? Because currently, like, your SMSF fund would own the property, but then you personally own your super fund. What we can do is basically kind of amalgamate everything and make and change the ownership of your of your Hub twenty four account so that your SMSF owns it. So that way everything's basically run through your SMSF account, if that makes sense. It means yeah. Reporting wise, it means that, you know, everything's reported through your SMSF fund. It does create a little bit more of a onus on you with reporting from the SMSF perspective, but Hub twenty four take care of all the Hub twenty four holdings. So that's kinda nice there. But it just means that everything's owned by the same superannuation fund, like, owners ownership structure. It means can I ask with your SMSF fund, are you like, is it you as the sole trustee, or are there other people within the nope? Just you. Okay. So it it would mean, like, if you ever brought anyone else into the SMSF, you could combine monies in the future as well. You would never? No. No. That's totally fair. No. Yeah. It's a pain, isn't it? Having to split everything up again is not fun. Yeah. No. That's okay. Alright. If you're not intending on ever sort of joining forces with another person, it doesn't really change you too much then. Probably more of a pain than anything. So it can just remain within your name, and we can continue to manage things. From an overall perspective, if you wanna keep working with us, we can definitely do so. I think the the biggest, I guess, pain in the neck for you is that when we talk with you each year, we're gonna need reporting from the SMSF perspective to be able to ensure that we're incorporating that from, you know, ensuring that we're meeting where we need to head, you know, that the property and the SMSF side or comp or component is operating well, making sure that, you know, do we need to put money over into the into the SMSF account, or do we need to take money from the SMSF account and invest it within, you know, the hub twenty four environment, you know, type this way. Because where are you intending on your contributions from your employer going? Are they gonna go to the SMSF funds and now? Yep. Yep. Okay. Alright. No. That's okay. We we can no. No. No. You keep going. You're still gonna need? Yep. Yes. No. Absolutely. So with the property purchase, have you no. It it definitely does. With the property purchase, have you set like, have you found a property that you're wanting to purchase? Perfect. So you're you're currently going through settlement and Okay. And once like, with the loan, because you like, unless the property was 260,000, which doesn't happen these days. What's what should your loan term? Are we ten, twenty, thirty years? Okay. And once that thirty years is up, like because you're 50 three this year. No. 53 this year. So what's your what's your, I guess, exit strategy with respect to the mortgage on that property? Because, like, I know that you have your you have your PPR or your your primary place of residence, and you have some decent equity within that property at last value. So what what sort of, I guess, the the angle that you're wanting to look at with some with, like, your retirement exit strategy? Okay. I mean, it could be sixty depending on what you wanted to do, but, yeah, like, 6065 is is no no restrictions is what we are ten years. That is what the eight sixty five gives you. Yeah. Okay. No. There. Alright. So the intention is to, like, purchase build a property through development, hold for ten years, and then sell that investment off, re I guess, rediversify into sort of, I guess, shares or other holdings and then have a drawdown strategy from there. Okay. No. That's okay. Alright. So with with the PPR, are you intending on remaining in that property long term? Because I I think we still have about 600,000 owing on that. Yeah. On your on your on your home. Yeah. On your yeah. Oh, sorry. Yes. You do. Sorry. I've crossed my crossed my rose. No. That's okay. So the PPR, we're intending on remaining within that property and then reevaluate what it looks like with the investment properties later down the track. Okay. Alright. So it's it's definitely definitely achievable. Each year when we speak, would you be willing to, I guess, provide us with the the account and tax return report for the SMSF? Like, so there'll be, like, a a court audit, sorry, audit and tax return for the SMSF. So that way we can take that in into consideration when we're talking with you each year about, you know, all the values of this, and this is sitting here, Your your, you know, your Hub twenty four fund's doing this. So, you know, if we're looking down, you know, five, ten years time, this is where we're on track for drawdown, and we can we can really strategize and make sure that we are on track with everything. Because if we're missing half the picture from the SMSF fund, it obviously puts a hand behind our and therefore your back because we're not gonna be able to adequately be able to work with you. But if you're happy to send us the the audit report statement and and tax return, then, you know, we can definitely continue to to help work with you and make sure that everything's sitting kosher. No. Perfect. Alright. Cool. So can I ask when's the development set to be finalized? When's it on track for? '27. So quarter. Okay. So it's still sort of a a year and a half away. Year and yeah. Year and a half. Okay. No. That's okay. And then do they help get renters in? Or yeah. Cool. No. Perfect. So that'll be good. It it takes that pressure off you, and and and they do they have a estimated, like, rental outcome for it already? No. That's okay. So $5.50 or $6.50. That's okay. Per week in income. And then what what's the loan that you're going to end up with after everything's built and done? Okay. That's not too bad. We're not leveraged crazily. Okay. The biggest thing we're gonna have to definitely look at, and it's gonna be something that we probably have to do once the house is built or close to when we have definite solidified you know, obviously, you're on, like, a builder's loan and stuff like that right now. But once everything's done and dusted, we'll definitely need to look at the SMSF account. We can have that conversation, then obviously, we're gonna still talk between now and then, but we can have that conversation really solidly to make sure that we have the cash available within the SMSF to service the bills that are required, have a look at, you know, at the time that the loan you know, everything's built and what our how final outcome of our loan is, what our variable rate is, where our repayments are, the money coming in, the money going out to make sure, well, do we need to split your contributions? Do we have do we need some of the money going over to the SMSF fund? Do we need to sort of look at transferring money each quarter to make sure that we are servicing and paying the bills that we need to pay? What does it look like? Or or is the SMSF operating at a positive where we can take money out of that and put it over into, like, the investment account? So that'll come down the line, but it's something we definitely need to make sure that we're we're looking at. Yeah. No. Absolutely. So we I'll I'll put it in my calendar for like, we'll touch bay I'll touch base with you in, like, say, the July 2027. Obviously, we're gonna talk before then, but I'm gonna pop it in my calendar now. So that way, it's a it's a, you know, off schedule. We'll touch base so we can talk. And that way, we're sort of on top of it. We can have a look at where everything sits, what the loan rate, and everything like that looks like at that point. And we can make sure that if money needs to be put in, we can put the money in and and go from there. Yeah. Perfect. Alright. Absolutely fantastic. Well, that's everything. Just I guess it was from Caden just a, you know, a flag when money pops out, but just sort of to make sure that we had a strategy, we had an exit strategy, and we can definitely, like, look at how that is gonna sort of work moving forward for you. But, yeah, we'll we'll be we'll be able to consider the the SMSF and where it sits as we move forward. Alright? Yes. Yeah. Just in the in the hubs hub holding. So the 260,000 out means the fee drops, so that's fine. Yeah. Perfect. Were there any other questions that you may have had for me, Kelly? Alright. Perfect. No stress at all. Opportunity and Yeah. Yeah. No. And that's absolutely fine. We can definitely consider that. It's a little hard right now while we're in that transition phase. But once it's all set up, we can definitely delve a little bit deeper into what it really looks like for the long term. Absolutely my pleasure. Sorry. Got the hiccups again for the day. Alright. Breathe. Alright. You have a lovely one. 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are you doing? How are you doing, Kelly? Yes. Yeah. My name is Larissa.\n\nHow are you? You're okay. Get yourself set up. Yeah. Yeah.\n\nI'm really, really well. It's basically Thursday based on the trajectory of the week. Yep. You know, one of those fun where you keep turning around and I'm looking at the week and forgetting what day it is. I thought it was Tuesday today.\n\nSo yeah. It's okay. The the rollout from your super fund and have a chat with you with respect to where things are at and what's happening. And and your like, set up a SMS and from what Kayden was saying, intend to properly purchase property? Yeah.\n\nAre you, like, doing it independently, or have you, like, engaged an accountant to, like, assist you with setting up the SMS? Or Yep. Yeah. Okay. So with with the SMSF fund and, like, your superannuation fund, it means that you have two accounts open, and it it is not that it's a unique situation in any way, shape, or form.\n\nIt's it's it's it's they're doing two very different things. Now depending on because because your SMSF is intending on purchasing a property, it would have to have a bare trust attached to it with your account which your account would have set up and would be operating. And then, obviously, you have a cash account through the bank you would obviously choose to bank with that enables you to obviously receive money and receive, you know, everything from your from rent, rental income, pay the bills, all that kind of fun stuff. So I guess the the the biggest question is is that what is the intent long term with SMSF fund? Are you intending on just owning the property with the SMSF account?\n\nAnd, you know, is it something that you wanna look at expanding on so that the SMSF owns more? Because currently, like, your SMSF fund would own the property, but then you personally own your super fund. What we can do is basically kind of amalgamate everything and make and change the ownership of your of your Hub twenty four account so that your SMSF owns it. So that way everything's basically run through your SMSF account, if that makes sense. It means yeah.\n\nReporting wise, it means that, you know, everything's reported through your SMSF fund. It does create a little bit more of a onus on you with reporting from the SMSF perspective, but Hub twenty four take care of all the Hub twenty four holdings. So that's kinda nice there. But it just means that everything's owned by the same superannuation fund, like, owners ownership structure. It means can I ask with your SMSF fund, are you like, is it you as the sole trustee, or are there other people within the nope?\n\nJust you. Okay. So it it would mean, like, if you ever brought anyone else into the SMSF, you could combine monies in the future as well. You would never? No.\n\nNo. That's totally fair. No. Yeah. It's a pain, isn't it?\n\nHaving to split everything up again is not fun. Yeah. No. That's okay. Alright.\n\nIf you're not intending on ever sort of joining forces with another person, it doesn't really change you too much then. Probably more of a pain than anything. So it can just remain within your name, and we can continue to manage things. From an overall perspective, if you wanna keep working with us, we can definitely do so. I think the the biggest, I guess, pain in the neck for you is that when we talk with you each year, we're gonna need reporting from the SMSF perspective to be able to ensure that we're incorporating that from, you know, ensuring that we're meeting where we need to head, you know, that the property and the SMSF side or comp or component is operating well, making sure that, you know, do we need to put money over into the into the SMSF account, or do we need to take money from the SMSF account and invest it within, you know, the hub twenty four environment, you know, type this way.\n\nBecause where are you intending on your contributions from your employer going? Are they gonna go to the SMSF funds and now? Yep. Yep. Okay.\n\nAlright. No. That's okay. We we can no. No.\n\nNo. You keep going. You're still gonna need? Yep. Yes.\n\nNo. Absolutely. So with the property purchase, have you no. It it definitely does. With the property purchase, have you set like, have you found a property that you're wanting to purchase?\n\nPerfect. So you're you're currently going through settlement and Okay. And once like, with the loan, because you like, unless the property was 260,000, which doesn't happen these days. What's what should your loan term? Are we ten, twenty, thirty years?\n\nOkay. And once that thirty years is up, like because you're 50 three this year. No. 53 this year. So what's your what's your, I guess, exit strategy with respect to the mortgage on that property?\n\nBecause, like, I know that you have your you have your PPR or your your primary place of residence, and you have some decent equity within that property at last value. So what what sort of, I guess, the the angle that you're wanting to look at with some with, like, your retirement exit strategy? Okay. I mean, it could be sixty depending on what you wanted to do, but, yeah, like, 6065 is is no no restrictions is what we are ten years. That is what the eight sixty five gives you.\n\nYeah. Okay. No. There. Alright.\n\nSo the intention is to, like, purchase build a property through development, hold for ten years, and then sell that investment off, re I guess, rediversify into sort of, I guess, shares or other holdings and then have a drawdown strategy from there. Okay. No. That's okay. Alright.\n\nSo with with the PPR, are you intending on remaining in that property long term? Because I I think we still have about 600,000 owing on that. Yeah. On your on your on your home. Yeah.\n\nOn your yeah. Oh, sorry. Yes. You do. Sorry.\n\nI've crossed my crossed my rose. No. That's okay. So the PPR, we're intending on remaining within that property and then reevaluate what it looks like with the investment properties later down the track. Okay.\n\nAlright. So it's it's definitely definitely achievable. Each year when we speak, would you be willing to, I guess, provide us with the the account and tax return report for the SMSF? Like, so there'll be, like, a a court audit, sorry, audit and tax return for the SMSF. So that way we can take that in into consideration when we're talking with you each year about, you know, all the values of this, and this is sitting here, Your your, you know, your Hub twenty four fund's doing this.\n\nSo, you know, if we're looking down, you know, five, ten years time, this is where we're on track for drawdown, and we can we can really strategize and make sure that we are on track with everything. Because if we're missing half the picture from the SMSF fund, it obviously puts a hand behind our and therefore your back because we're not gonna be able to adequately be able to work with you. But if you're happy to send us the the audit report statement and and tax return, then, you know, we can definitely continue to to help work with you and make sure that everything's sitting kosher. No. Perfect.\n\nAlright. Cool. So can I ask when's the development set to be finalized? When's it on track for? '27.\n\nSo quarter. Okay. So it's still sort of a a year and a half away. Year and yeah. Year and a half.\n\nOkay. No. That's okay. And then do they help get renters in? Or yeah.\n\nCool. No. Perfect. So that'll be good. It it takes that pressure off you, and and and they do they have a estimated, like, rental outcome for it already?\n\nNo. That's okay. So $5.50 or $6.50. That's okay. Per week in income.\n\nAnd then what what's the loan that you're going to end up with after everything's built and done? Okay. That's not too bad. We're not leveraged crazily. Okay.\n\nThe biggest thing we're gonna have to definitely look at, and it's gonna be something that we probably have to do once the house is built or close to when we have definite solidified you know, obviously, you're on, like, a builder's loan and stuff like that right now. But once everything's done and dusted, we'll definitely need to look at the SMSF account. We can have that conversation, then obviously, we're gonna still talk between now and then, but we can have that conversation really solidly to make sure that we have the cash available within the SMSF to service the bills that are required, have a look at, you know, at the time that the loan you know, everything's built and what our how final outcome of our loan is, what our variable rate is, where our repayments are, the money coming in, the money going out to make sure, well, do we need to split your contributions? Do we have do we need some of the money going over to the SMSF fund? Do we need to sort of look at transferring money each quarter to make sure that we are servicing and paying the bills that we need to pay?\n\nWhat does it look like? Or or is the SMSF operating at a positive where we can take money out of that and put it over into, like, the investment account? So that'll come down the line, but it's something we definitely need to make sure that we're we're looking at. Yeah. No.\n\nAbsolutely. So we I'll I'll put it in my calendar for like, we'll touch bay I'll touch base with you in, like, say, the July 2027. Obviously, we're gonna talk before then, but I'm gonna pop it in my calendar now. So that way, it's a it's a, you know, off schedule. We'll touch base so we can talk.\n\nAnd that way, we're sort of on top of it. We can have a look at where everything sits, what the loan rate, and everything like that looks like at that point. And we can make sure that if money needs to be put in, we can put the money in and and go from there. Yeah. Perfect.\n\nAlright. Absolutely fantastic. Well, that's everything. Just I guess it was from Caden just a, you know, a flag when money pops out, but just sort of to make sure that we had a strategy, we had an exit strategy, and we can definitely, like, look at how that is gonna sort of work moving forward for you. But, yeah, we'll we'll be we'll be able to consider the the SMSF and where it sits as we move forward.\n\nAlright? Yes. Yeah. Just in the in the hubs hub holding. So the 260,000 out means the fee drops, so that's fine.\n\nYeah. Perfect. Were there any other questions that you may have had for me, Kelly? Alright. Perfect.\n\nNo stress at all. Opportunity and Yeah. Yeah. No. And that's absolutely fine.\n\nWe can definitely consider that. It's a little hard right now while we're in that transition phase. But once it's all set up, we can definitely delve a little bit deeper into what it really looks like for the long term. Absolutely my pleasure. Sorry.\n\nGot the hiccups again for the day. Alright. Breathe. Alright. You have a lovely one.\n\nBye.","paragraphs":[{"sentences":[{"text":"How are you doing?","start":12.559999,"end":13.36,"sentiment":"neutral","sentiment_score":0.1778530478477478},{"text":"How are you doing, Kelly?","start":13.36,"end":14.58,"sentiment":"neutral","sentiment_score":0.23353614509105683},{"text":"Yes.","start":17.395,"end":17.875,"sentiment":"neutral","sentiment_score":0.1456819325685501},{"text":"Yeah.","start":17.875,"end":18.355,"sentiment":"neutral","sentiment_score":0.14104868471622467},{"text":"My name is Larissa.","start":18.355,"end":19.395,"sentiment":"neutral","sentiment_score":0.11237530969083309}],"sentiment":"neutral","sentiment_score":0.1743549848596255,"num_words":15,"start":12.559999,"end":19.395},{"sentences":[{"text":"How are you?","start":19.395,"end":20.455,"sentiment":"neutral","sentiment_score":0.14637064437071481},{"text":"You're okay.","start":26.675,"end":27.314999,"sentiment":"neutral","sentiment_score":0.2858884334564209},{"text":"Get yourself set up.","start":27.314999,"end":28.535,"sentiment":"neutral","sentiment_score":0.2448996677994728},{"text":"Yeah.","start":46.245,"end":46.565,"sentiment":"neutral","sentiment_score":0.12439367920160294},{"text":"Yeah.","start":46.565,"end":47.065,"sentiment":"neutral","sentiment_score":0.17083194851875305}],"sentiment":"neutral","sentiment_score":0.20779209990393033,"num_words":11,"start":19.395,"end":47.065},{"sentences":[{"text":"I'm really, really well.","start":48.645,"end":50.105,"sentiment":"positive","sentiment_score":0.5353210046887398},{"text":"It's basically Thursday based on the trajectory of the week.","start":51.045,"end":55.385,"sentiment":"neutral","sentiment_score":0.2362219735980034},{"text":"Yep.","start":57.765,"end":58.265,"sentiment":"neutral","sentiment_score":0.09402859210968018},{"text":"You know, one of those fun where you keep turning around and I'm looking at the week and forgetting what day it is.","start":59.38,"end":65.22,"sentiment":"neutral","sentiment_score":0.013100267104480577},{"text":"I thought it was Tuesday today.","start":65.22,"end":66.840004,"sentiment":"neutral","sentiment_score":0.00783685315400362}],"sentiment":"neutral","sentiment_score":0.11240590020844882,"num_words":44,"start":48.645,"end":66.840004},{"sentences":[{"text":"So yeah.","start":74.365005,"end":77.245,"sentiment":"neutral","sentiment_score":0.02177049033343792},{"text":"It's okay.","start":77.245,"end":77.825005,"sentiment":"neutral","sentiment_score":0.03731327271088958},{"text":"The the rollout from your super fund and have a chat with you with respect to where things are at and what's happening.","start":78.445,"end":90.6,"sentiment":"neutral","sentiment_score":0.024694028783731326},{"text":"And and your like, set up a SMS and from what Kayden was saying, intend to properly purchase property?","start":91.21999,"end":100.439995,"sentiment":"neutral","sentiment_score":0.021480610103983628},{"text":"Yeah.","start":102.855,"end":103.355,"sentiment":"neutral","sentiment_score":0.0252842977643013}],"sentiment":"neutral","sentiment_score":0.02382012931605246,"num_words":47,"start":74.365005,"end":103.355},{"sentences":[{"text":"Are you, like, doing it independently, or have you, like, engaged an accountant to, like, assist you with setting up the SMS?","start":103.495,"end":111.005,"sentiment":"neutral","sentiment_score":0.012123231860724363},{"text":"Or Yep.","start":111.005,"end":113.915,"sentiment":"neutral","sentiment_score":0.013495953753590584},{"text":"Yeah.","start":117.64,"end":117.96,"sentiment":"neutral","sentiment_score":0.05140068754553795},{"text":"Okay.","start":117.96,"end":118.46,"sentiment":"neutral","sentiment_score":0.04949512332677841},{"text":"So with with the SMSF fund and, like, your superannuation fund, it means that you have two accounts open, and it it is not that it's a unique situation in any way, shape, or form.","start":119.0,"end":128.84,"sentiment":"neutral","sentiment_score":0.012382556285176958}],"sentiment":"neutral","sentiment_score":0.01357357851305946,"num_words":61,"start":103.495,"end":128.84},{"sentences":[{"text":"It's it's it's it's they're doing two very different things.","start":128.84,"end":134.935,"sentiment":"neutral","sentiment_score":-0.04398945388384164},{"text":"Now depending on because because your SMSF is intending on purchasing a property, it would have to have a bare trust attached to it with your account which your account would have set up and would be operating.","start":135.635,"end":145.73,"sentiment":"neutral","sentiment_score":0.06578017977115355},{"text":"And then, obviously, you have a cash account through the bank you would obviously choose to bank with that enables you to obviously receive money and receive, you know, everything from your from rent, rental income, pay the bills, all that kind of fun stuff.","start":145.73,"end":164.27501,"sentiment":"neutral","sentiment_score":0.3166469704773691},{"text":"So I guess the the the biggest question is is that what is the intent long term with SMSF fund?","start":165.77501,"end":171.07501,"sentiment":"neutral","sentiment_score":0.03905485104769468},{"text":"Are you intending on just owning the property with the SMSF account?","start":171.13501,"end":175.155,"sentiment":"neutral","sentiment_score":0.033963077080746494}],"sentiment":"neutral","sentiment_score":0.13998015927895904,"num_words":125,"start":128.84,"end":175.155},{"sentences":[{"text":"And, you know, is it something that you wanna look at expanding on so that the SMSF owns more?","start":176.63,"end":186.31001,"sentiment":"neutral","sentiment_score":0.11034707372125827},{"text":"Because currently, like, your SMSF fund would own the property, but then you personally own your super fund.","start":186.31001,"end":194.30501,"sentiment":"neutral","sentiment_score":0.028683573421504762},{"text":"What we can do is basically kind of amalgamate everything and make and change the ownership of your of your Hub twenty four account so that your SMSF owns it.","start":194.52501,"end":207.73999,"sentiment":"neutral","sentiment_score":0.23223088532686234},{"text":"So that way everything's basically run through your SMSF account, if that makes sense.","start":207.79999,"end":212.29999,"sentiment":"neutral","sentiment_score":0.27073217928409576},{"text":"It means yeah.","start":219.815,"end":222.215,"sentiment":"neutral","sentiment_score":0.28101282318433124}],"sentiment":"neutral","sentiment_score":0.16920374120984757,"num_words":84,"start":176.63,"end":222.215},{"sentences":[{"text":"Reporting wise, it means that, you know, everything's reported through your SMSF fund.","start":222.215,"end":226.955,"sentiment":"neutral","sentiment_score":0.14109194507965675},{"text":"It does create a little bit more of a onus on you with reporting from the SMSF perspective, but Hub twenty four take care of all the Hub twenty four holdings.","start":227.975,"end":238.37,"sentiment":"neutral","sentiment_score":0.14980691503132543},{"text":"So that's kinda nice there.","start":238.37,"end":239.99,"sentiment":"neutral","sentiment_score":0.24410209208726882},{"text":"But it just means that everything's owned by the same superannuation fund, like, owners ownership structure.","start":241.09,"end":248.885,"sentiment":"neutral","sentiment_score":0.08878544881008565},{"text":"It means can I ask with your SMSF fund, are you like, is it you as the sole trustee, or are there other people within the nope?","start":249.505,"end":259.105,"sentiment":"neutral","sentiment_score":-0.024206024836058968}],"sentiment":"neutral","sentiment_score":0.09201874590033422,"num_words":92,"start":222.215,"end":259.105},{"sentences":[{"text":"Just you.","start":259.105,"end":259.845,"sentiment":"neutral","sentiment_score":-0.21809202432632446},{"text":"Okay.","start":260.94998,"end":261.44998,"sentiment":"neutral","sentiment_score":-0.00374944880604744},{"text":"So it it would mean, like, if you ever brought anyone else into the SMSF, you could combine monies in the future as well.","start":261.59,"end":268.97,"sentiment":"neutral","sentiment_score":0.005651072909434636},{"text":"You would never?","start":269.75,"end":270.56998,"sentiment":"neutral","sentiment_score":-0.23306691149870554},{"text":"No.","start":270.62997,"end":271.12997,"sentiment":"negative","sentiment_score":-0.4089893698692322}],"sentiment":"neutral","sentiment_score":-0.045564446838632706,"num_words":31,"start":259.105,"end":271.12997},{"sentences":[{"text":"No.","start":273.19,"end":273.27,"sentiment":"neutral","sentiment_score":-0.31928133964538574},{"text":"That's totally fair.","start":273.27,"end":274.49,"sentiment":"neutral","sentiment_score":-0.15294471383094788},{"text":"No.","start":279.175,"end":279.57498,"sentiment":"neutral","sentiment_score":-0.29258644580841064},{"text":"Yeah.","start":279.57498,"end":279.815,"sentiment":"neutral","sentiment_score":-0.22336792945861816},{"text":"It's a pain, isn't it?","start":279.815,"end":281.035,"sentiment":"negative","sentiment_score":-0.3735492527484894}],"sentiment":"neutral","sentiment_score":-0.28743782910433685,"num_words":11,"start":273.19,"end":281.035},{"sentences":[{"text":"Having to split everything up again is not fun.","start":282.535,"end":286.47498,"sentiment":"neutral","sentiment_score":-0.24114321172237396},{"text":"Yeah.","start":289.77,"end":290.09,"sentiment":"neutral","sentiment_score":0.0017005354166030884},{"text":"No.","start":290.09,"end":290.33,"sentiment":"neutral","sentiment_score":-0.053936202079057693},{"text":"That's okay.","start":290.33,"end":290.88998,"sentiment":"neutral","sentiment_score":0.10977934300899506},{"text":"Alright.","start":290.88998,"end":291.38998,"sentiment":"neutral","sentiment_score":0.1852826178073883}],"sentiment":"neutral","sentiment_score":-0.12983451916703156,"num_words":14,"start":282.535,"end":291.38998},{"sentences":[{"text":"If you're not intending on ever sort of joining forces with another person, it doesn't really change you too much then.","start":292.81,"end":299.38998,"sentiment":"neutral","sentiment_score":-0.11736319320542472},{"text":"Probably more of a pain than anything.","start":300.09,"end":301.79,"sentiment":"neutral","sentiment_score":-0.14316666019814356},{"text":"So it can just remain within your name, and we can continue to manage things.","start":303.57498,"end":307.195,"sentiment":"neutral","sentiment_score":0.20278247594833373},{"text":"From an overall perspective, if you wanna keep working with us, we can definitely do so.","start":307.655,"end":312.715,"sentiment":"positive","sentiment_score":0.5129358880221844},{"text":"I think the the biggest, I guess, pain in the neck for you is that when we talk with you each year, we're gonna need reporting from the SMSF perspective to be able to ensure that we're incorporating that from, you know, ensuring that we're meeting where we need to head, you know, that the property and the SMSF side or comp or component is operating well, making sure that, you know, do we need to put money over into the into the SMSF account, or do we need to take money from the SMSF account and invest it within, you know, the hub twenty four environment, you know, type this way.","start":313.175,"end":350.0,"sentiment":"neutral","sentiment_score":-0.051636463313895674}],"sentiment":"neutral","sentiment_score":0.011687916828787814,"num_words":171,"start":292.81,"end":350.0},{"sentences":[{"text":"Because where are you intending on your contributions from your employer going?","start":350.0,"end":353.59998,"sentiment":"neutral","sentiment_score":0.013064996339380741},{"text":"Are they gonna go to the SMSF funds and now?","start":353.59998,"end":355.86,"sentiment":"neutral","sentiment_score":-0.006937384605407715},{"text":"Yep.","start":381.71,"end":382.21,"sentiment":"neutral","sentiment_score":0.02658257447183132},{"text":"Yep.","start":411.835,"end":412.335,"sentiment":"neutral","sentiment_score":0.12133454531431198},{"text":"Okay.","start":429.68997,"end":430.09,"sentiment":"neutral","sentiment_score":0.05742087960243225}],"sentiment":"neutral","sentiment_score":0.011709764376282692,"num_words":25,"start":350.0,"end":430.09},{"sentences":[{"text":"Alright.","start":430.09,"end":430.49,"sentiment":"neutral","sentiment_score":0.04903162643313408},{"text":"No.","start":430.49,"end":430.65,"sentiment":"neutral","sentiment_score":-0.06377381086349487},{"text":"That's okay.","start":430.65,"end":431.38998,"sentiment":"neutral","sentiment_score":0.01989573985338211},{"text":"We we can no.","start":433.91498,"end":436.395,"sentiment":"neutral","sentiment_score":-0.1848691739141941},{"text":"No.","start":436.395,"end":436.555,"sentiment":"negative","sentiment_score":-0.3588176369667053}],"sentiment":"neutral","sentiment_score":-0.11924944859411982,"num_words":9,"start":430.09,"end":436.555},{"sentences":[{"text":"No.","start":436.555,"end":436.79498,"sentiment":"negative","sentiment_score":-0.4219282865524292},{"text":"You keep going.","start":436.79498,"end":437.695,"sentiment":"negative","sentiment_score":-0.38336528340975445},{"text":"You're still gonna need?","start":437.835,"end":438.975,"sentiment":"neutral","sentiment_score":-0.07716117519885302},{"text":"Yep.","start":449.21002,"end":449.71002,"sentiment":"neutral","sentiment_score":-0.04594067484140396},{"text":"Yes.","start":469.08002,"end":469.58002,"sentiment":"neutral","sentiment_score":0.04347587004303932}],"sentiment":"neutral","sentiment_score":-0.1883133642375469,"num_words":10,"start":436.555,"end":469.58002},{"sentences":[{"text":"No.","start":479.32,"end":479.64,"sentiment":"neutral","sentiment_score":-0.1517193168401718},{"text":"Absolutely.","start":479.64,"end":480.14,"sentiment":"neutral","sentiment_score":-0.057298000901937485},{"text":"So with the property purchase, have you no.","start":482.13498,"end":485.255,"sentiment":"neutral","sentiment_score":-0.005318037699908018},{"text":"It it definitely does.","start":485.255,"end":486.315,"sentiment":"neutral","sentiment_score":0.059081402607262135},{"text":"With the property purchase, have you set like, have you found a property that you're wanting to purchase?","start":486.775,"end":491.91498,"sentiment":"neutral","sentiment_score":0.01357861634136902}],"sentiment":"neutral","sentiment_score":0.00716184641350992,"num_words":32,"start":479.32,"end":491.91498},{"sentences":[{"text":"Perfect.","start":495.15002,"end":495.47,"sentiment":"neutral","sentiment_score":0.32413679361343384},{"text":"So you're you're currently going through settlement and Okay.","start":495.47,"end":515.085,"sentiment":"neutral","sentiment_score":0.06371877280374368},{"text":"And once like, with the loan, because you like, unless the property was 260,000, which doesn't happen these days.","start":515.785,"end":525.13,"sentiment":"neutral","sentiment_score":-0.12152554016364248},{"text":"What's what should your loan term?","start":527.26996,"end":532.89,"sentiment":"neutral","sentiment_score":-0.19527230660120645},{"text":"Are we ten, twenty, thirty years?","start":533.26996,"end":535.05,"sentiment":"neutral","sentiment_score":-0.1377171352505684}],"sentiment":"neutral","sentiment_score":-0.08315405281396901,"num_words":41,"start":495.15002,"end":535.05},{"sentences":[{"text":"Okay.","start":540.665,"end":541.165,"sentiment":"neutral","sentiment_score":0.051381755620241165},{"text":"And once that thirty years is up, like because you're 50 three this year.","start":541.465,"end":548.045,"sentiment":"neutral","sentiment_score":0.025532635594052926},{"text":"No.","start":549.545,"end":550.045,"sentiment":"neutral","sentiment_score":-0.0761871486902237},{"text":"53 this year.","start":552.03,"end":553.25,"sentiment":"neutral","sentiment_score":-0.06505127002795537},{"text":"So what's your what's your, I guess, exit strategy with respect to the mortgage on that property?","start":553.47003,"end":558.59,"sentiment":"neutral","sentiment_score":0.021011912318713525}],"sentiment":"neutral","sentiment_score":0.013741672349472841,"num_words":36,"start":540.665,"end":558.59},{"sentences":[{"text":"Because, like, I know that you have your you have your PPR or your your primary place of residence, and you have some decent equity within that property at last value.","start":558.59,"end":568.545,"sentiment":"neutral","sentiment_score":0.12407134329119036},{"text":"So what what sort of, I guess, the the angle that you're wanting to look at with some with, like, your retirement exit strategy?","start":570.045,"end":576.70496,"sentiment":"neutral","sentiment_score":0.011524494388140738},{"text":"Okay.","start":595.075,"end":595.575,"sentiment":"neutral","sentiment_score":0.008796731010079384},{"text":"I mean, it could be sixty depending on what you wanted to do, but, yeah, like, 6065 is is no no restrictions is what we are ten years.","start":597.795,"end":608.38,"sentiment":"neutral","sentiment_score":0.020959660344358002},{"text":"That is what the eight sixty five gives you.","start":608.38,"end":610.32,"sentiment":"neutral","sentiment_score":-0.11415419975916545}],"sentiment":"neutral","sentiment_score":0.03968902075442896,"num_words":93,"start":558.59,"end":610.32},{"sentences":[{"text":"Yeah.","start":611.18,"end":611.68,"sentiment":"neutral","sentiment_score":-0.04725915193557739},{"text":"Okay.","start":622.155,"end":622.655,"sentiment":"neutral","sentiment_score":-0.020014533773064613},{"text":"No.","start":622.715,"end":622.955,"sentiment":"neutral","sentiment_score":-0.10672016441822052},{"text":"There.","start":622.955,"end":623.115,"sentiment":"neutral","sentiment_score":-0.08284008502960205},{"text":"Alright.","start":623.115,"end":623.35504,"sentiment":"neutral","sentiment_score":0.05562152713537216}],"sentiment":"neutral","sentiment_score":-0.040242481604218484,"num_words":5,"start":611.18,"end":623.35504},{"sentences":[{"text":"So the intention is to, like, purchase build a property through development, hold for ten years, and then sell that investment off, re I guess, rediversify into sort of, I guess, shares or other holdings and then have a drawdown strategy from there.","start":623.35504,"end":641.3,"sentiment":"neutral","sentiment_score":-0.008888733248377955},{"text":"Okay.","start":642.96,"end":643.46,"sentiment":"neutral","sentiment_score":0.06005143374204635},{"text":"No.","start":643.68,"end":643.92,"sentiment":"neutral","sentiment_score":-0.046095021069049835},{"text":"That's okay.","start":643.92,"end":644.4,"sentiment":"neutral","sentiment_score":0.07976702600717545},{"text":"Alright.","start":644.4,"end":644.8,"sentiment":"neutral","sentiment_score":0.18647024035453796}],"sentiment":"neutral","sentiment_score":-0.0004636421799659729,"num_words":48,"start":623.35504,"end":644.8},{"sentences":[{"text":"So with with the PPR, are you intending on remaining in that property long term?","start":644.8,"end":653.955,"sentiment":"neutral","sentiment_score":0.06520113746325175},{"text":"Because I I think we still have about 600,000 owing on that.","start":654.655,"end":657.875,"sentiment":"neutral","sentiment_score":-0.06137598383550843},{"text":"Yeah.","start":662.06,"end":662.22,"sentiment":"neutral","sentiment_score":-0.007454362697899342},{"text":"On your on your on your home.","start":662.22,"end":663.83997,"sentiment":"neutral","sentiment_score":0.014593647393797125},{"text":"Yeah.","start":664.94,"end":665.18,"sentiment":"neutral","sentiment_score":-0.0536375567317009}],"sentiment":"neutral","sentiment_score":0.007849135229157077,"num_words":36,"start":644.8,"end":665.18},{"sentences":[{"text":"On your yeah.","start":665.18,"end":666.0,"sentiment":"neutral","sentiment_score":-0.09594238673647244},{"text":"Oh, sorry.","start":674.13995,"end":674.94,"sentiment":"neutral","sentiment_score":-0.08446287736296654},{"text":"Yes.","start":674.94,"end":675.26,"sentiment":"neutral","sentiment_score":0.011104851961135864},{"text":"You do.","start":675.26,"end":675.74,"sentiment":"neutral","sentiment_score":-0.006631122902035713},{"text":"Sorry.","start":675.74,"end":675.98,"sentiment":"neutral","sentiment_score":-0.151638001203537}],"sentiment":"neutral","sentiment_score":-0.06783870110909145,"num_words":9,"start":665.18,"end":675.98},{"sentences":[{"text":"I've crossed my crossed my rose.","start":675.98,"end":683.525,"sentiment":"neutral","sentiment_score":-0.12785727779070535},{"text":"No.","start":690.8,"end":691.3,"sentiment":"negative","sentiment_score":-0.3470500707626343},{"text":"That's okay.","start":697.76,"end":698.58,"sentiment":"neutral","sentiment_score":0.13319429382681847},{"text":"So the PPR, we're intending on remaining within that property and then reevaluate what it looks like with the investment properties later down the track.","start":699.04004,"end":709.735,"sentiment":"neutral","sentiment_score":0.07356496721506119},{"text":"Okay.","start":712.03503,"end":712.435,"sentiment":"neutral","sentiment_score":0.2500506043434143}],"sentiment":"neutral","sentiment_score":0.0354677038533347,"num_words":35,"start":675.98,"end":712.435},{"sentences":[{"text":"Alright.","start":712.435,"end":712.935,"sentiment":"positive","sentiment_score":0.4066621959209442},{"text":"So it's it's definitely definitely achievable.","start":714.755,"end":718.615,"sentiment":"positive","sentiment_score":0.6558129986127218},{"text":"Each year when we speak, would you be willing to, I guess, provide us with the the account and tax return report for the SMSF?","start":720.06,"end":729.51996,"sentiment":"neutral","sentiment_score":0.2746939527988434},{"text":"Like, so there'll be, like, a a court audit, sorry, audit and tax return for the SMSF.","start":730.54,"end":737.245,"sentiment":"neutral","sentiment_score":0.16171122298521154},{"text":"So that way we can take that in into consideration when we're talking with you each year about, you know, all the values of this, and this is sitting here, Your your, you know, your Hub twenty four fund's doing this.","start":737.945,"end":749.05,"sentiment":"neutral","sentiment_score":0.25116995086030264}],"sentiment":"neutral","sentiment_score":0.2695105309287707,"num_words":90,"start":712.435,"end":749.05},{"sentences":[{"text":"So, you know, if we're looking down, you know, five, ten years time, this is where we're on track for drawdown, and we can we can really strategize and make sure that we are on track with everything.","start":749.19,"end":758.09,"sentiment":"neutral","sentiment_score":0.10303404775301092},{"text":"Because if we're missing half the picture from the SMSF fund, it obviously puts a hand behind our and therefore your back because we're not gonna be able to adequately be able to work with you.","start":758.63,"end":770.565,"sentiment":"negative","sentiment_score":-0.4408265043877893},{"text":"But if you're happy to send us the the audit report statement and and tax return, then, you know, we can definitely continue to to help work with you and make sure that everything's sitting kosher.","start":770.865,"end":782.02,"sentiment":"positive","sentiment_score":0.6782508037156529},{"text":"No.","start":792.28503,"end":792.685,"sentiment":"neutral","sentiment_score":0.02659430354833603},{"text":"Perfect.","start":792.685,"end":793.185,"sentiment":"positive","sentiment_score":0.3923697769641876}],"sentiment":"neutral","sentiment_score":0.11501368456187525,"num_words":112,"start":749.19,"end":793.185},{"sentences":[{"text":"Alright.","start":793.325,"end":793.72504,"sentiment":"neutral","sentiment_score":0.32549619674682617},{"text":"Cool.","start":793.72504,"end":794.22504,"sentiment":"positive","sentiment_score":0.4960014522075653},{"text":"So can I ask when's the development set to be finalized?","start":794.445,"end":798.22504,"sentiment":"neutral","sentiment_score":0.1623371189290827},{"text":"When's it on track for?","start":798.60504,"end":799.825,"sentiment":"neutral","sentiment_score":0.1213279440999031},{"text":"'27.","start":804.51,"end":805.49,"sentiment":"neutral","sentiment_score":0.02601517364382744}],"sentiment":"neutral","sentiment_score":0.17051899217461286,"num_words":19,"start":793.325,"end":805.49},{"sentences":[{"text":"So quarter.","start":806.51,"end":807.23,"sentiment":"neutral","sentiment_score":0.007699871435761452},{"text":"Okay.","start":807.23,"end":807.63,"sentiment":"neutral","sentiment_score":-0.0030035730451345444},{"text":"So it's still sort of a a year and a half away.","start":807.63,"end":810.43,"sentiment":"neutral","sentiment_score":-0.07385214045643806},{"text":"Year and yeah.","start":810.43,"end":811.55,"sentiment":"neutral","sentiment_score":0.0018798944850762684},{"text":"Year and a half.","start":811.55,"end":812.43,"sentiment":"neutral","sentiment_score":0.03323414269834757}],"sentiment":"neutral","sentiment_score":-0.03342060279101133,"num_words":22,"start":806.51,"end":812.43},{"sentences":[{"text":"Okay.","start":812.43,"end":812.75,"sentiment":"neutral","sentiment_score":0.021906884387135506},{"text":"No.","start":812.75,"end":812.91,"sentiment":"neutral","sentiment_score":-0.09826536476612092},{"text":"That's okay.","start":812.91,"end":813.64996,"sentiment":"neutral","sentiment_score":-0.005485399276949465},{"text":"And then do they help get renters in?","start":814.51,"end":818.075,"sentiment":"neutral","sentiment_score":0.02696955599822104},{"text":"Or yeah.","start":818.215,"end":820.155,"sentiment":"neutral","sentiment_score":0.0943786408752203}],"sentiment":"neutral","sentiment_score":0.02265603220023747,"num_words":14,"start":812.43,"end":820.155},{"sentences":[{"text":"Cool.","start":820.375,"end":820.875,"sentiment":"neutral","sentiment_score":0.2884952425956726},{"text":"No.","start":820.935,"end":821.255,"sentiment":"neutral","sentiment_score":0.1294032335281372},{"text":"Perfect.","start":821.255,"end":821.755,"sentiment":"positive","sentiment_score":0.5039546489715576},{"text":"So that'll be good.","start":822.055,"end":822.935,"sentiment":"positive","sentiment_score":0.5942591279745102},{"text":"It it takes that pressure off you, and and and they do they have a estimated, like, rental outcome for it already?","start":822.935,"end":831.835,"sentiment":"neutral","sentiment_score":0.22102812372825362}],"sentiment":"neutral","sentiment_score":0.28143132272465476,"num_words":29,"start":820.375,"end":831.835},{"sentences":[{"text":"No.","start":854.995,"end":855.155,"sentiment":"neutral","sentiment_score":-0.11809536814689636},{"text":"That's okay.","start":855.155,"end":855.555,"sentiment":"neutral","sentiment_score":-0.026974954642355442},{"text":"So $5.50 or $6.50.","start":855.555,"end":856.755,"sentiment":"neutral","sentiment_score":0.015824710950255394},{"text":"That's okay.","start":856.755,"end":857.495,"sentiment":"neutral","sentiment_score":0.15657425671815872},{"text":"Per week in income.","start":857.875,"end":859.015,"sentiment":"neutral","sentiment_score":0.08709238469600677}],"sentiment":"neutral","sentiment_score":0.04252089373767376,"num_words":13,"start":854.995,"end":859.015},{"sentences":[{"text":"And then what what's the loan that you're going to end up with after everything's built and done?","start":859.23505,"end":866.33,"sentiment":"neutral","sentiment_score":0.04902704649915298},{"text":"Okay.","start":872.87,"end":873.37,"sentiment":"neutral","sentiment_score":0.011642798781394958},{"text":"That's not too bad.","start":875.565,"end":876.685,"sentiment":"neutral","sentiment_score":0.13811690546572208},{"text":"We're not leveraged crazily.","start":876.685,"end":879.425,"sentiment":"neutral","sentiment_score":-0.13848167401738465},{"text":"Okay.","start":881.325,"end":881.565,"sentiment":"neutral","sentiment_score":-0.08134359866380692}],"sentiment":"neutral","sentiment_score":0.028975962960560406,"num_words":28,"start":859.23505,"end":881.565},{"sentences":[{"text":"The biggest thing we're gonna have to definitely look at, and it's gonna be something that we probably have to do once the house is built or close to when we have definite solidified you know, obviously, you're on, like, a builder's loan and stuff like that right now.","start":881.565,"end":898.67004,"sentiment":"neutral","sentiment_score":0.014226906020574423},{"text":"But once everything's done and dusted, we'll definitely need to look at the SMSF account.","start":898.67004,"end":903.595,"sentiment":"neutral","sentiment_score":0.04726256976524989},{"text":"We can have that conversation, then obviously, we're gonna still talk between now and then, but we can have that conversation really solidly to make sure that we have the cash available within the SMSF to service the bills that are required, have a look at, you know, at the time that the loan you know, everything's built and what our how final outcome of our loan is, what our variable rate is, where our repayments are, the money coming in, the money going out to make sure, well, do we need to split your contributions?","start":903.595,"end":932.105,"sentiment":"neutral","sentiment_score":0.09992726525524631},{"text":"Do we have do we need some of the money going over to the SMSF fund?","start":932.105,"end":936.025,"sentiment":"neutral","sentiment_score":0.01046661869622767},{"text":"Do we need to sort of look at transferring money each quarter to make sure that we are servicing and paying the bills that we need to pay?","start":936.025,"end":941.485,"sentiment":"neutral","sentiment_score":0.016289756234203066}],"sentiment":"neutral","sentiment_score":0.0569737915670974,"num_words":204,"start":881.565,"end":941.485},{"sentences":[{"text":"What does it look like?","start":941.785,"end":942.985,"sentiment":"neutral","sentiment_score":0.007895240187644958},{"text":"Or or is the SMSF operating at a positive where we can take money out of that and put it over into, like, the investment account?","start":942.985,"end":952.22003,"sentiment":"neutral","sentiment_score":0.02516915276646614},{"text":"So that'll come down the line, but it's something we definitely need to make sure that we're we're looking at.","start":952.76,"end":957.82,"sentiment":"neutral","sentiment_score":-0.033296942990273234},{"text":"Yeah.","start":972.23,"end":972.73,"sentiment":"neutral","sentiment_score":0.17823174595832825},{"text":"No.","start":977.35,"end":977.75,"sentiment":"neutral","sentiment_score":-0.06687700748443604}],"sentiment":"neutral","sentiment_score":0.002628114179901357,"num_words":53,"start":941.785,"end":977.75},{"sentences":[{"text":"Absolutely.","start":977.75,"end":978.25,"sentiment":"neutral","sentiment_score":-0.02850629016757011},{"text":"So we I'll I'll put it in my calendar for like, we'll touch bay I'll touch base with you in, like, say, the July 2027.","start":978.70996,"end":987.405,"sentiment":"neutral","sentiment_score":0.04766639798879623},{"text":"Obviously, we're gonna talk before then, but I'm gonna pop it in my calendar now.","start":987.405,"end":990.385,"sentiment":"neutral","sentiment_score":0.03686149455606937},{"text":"So that way, it's a it's a, you know, off schedule.","start":990.765,"end":993.245,"sentiment":"neutral","sentiment_score":0.002237757110544242},{"text":"We'll touch base so we can talk.","start":993.245,"end":994.865,"sentiment":"neutral","sentiment_score":0.02650087047368288}],"sentiment":"neutral","sentiment_score":0.03264741524449395,"num_words":59,"start":977.75,"end":994.865},{"sentences":[{"text":"And that way, we're sort of on top of it.","start":995.885,"end":997.885,"sentiment":"neutral","sentiment_score":0.1148988738656044},{"text":"We can have a look at where everything sits, what the loan rate, and everything like that looks like at that point.","start":997.885,"end":1003.42004,"sentiment":"neutral","sentiment_score":0.07199632342566144},{"text":"And we can make sure that if money needs to be put in, we can put the money in and and go from there.","start":1003.64,"end":1008.14,"sentiment":"neutral","sentiment_score":0.05659494021286567},{"text":"Yeah.","start":1010.12,"end":1010.62,"sentiment":"positive","sentiment_score":0.35005831718444824},{"text":"Perfect.","start":1010.76,"end":1011.24,"sentiment":"positive","sentiment_score":0.5224812030792236}],"sentiment":"neutral","sentiment_score":0.08558148171367316,"num_words":58,"start":995.885,"end":1011.24},{"sentences":[{"text":"Alright.","start":1011.24,"end":1011.56,"sentiment":"positive","sentiment_score":0.47339075803756714},{"text":"Absolutely fantastic.","start":1011.56,"end":1012.54004,"sentiment":"positive","sentiment_score":0.6733294725418091},{"text":"Well, that's everything.","start":1013.56,"end":1014.44,"sentiment":"neutral","sentiment_score":0.24778409798940024},{"text":"Just I guess it was from Caden just a, you know, a flag when money pops out, but just sort of to make sure that we had a strategy, we had an exit strategy, and we can definitely, like, look at how that is gonna sort of work moving forward for you.","start":1014.44,"end":1027.815,"sentiment":"neutral","sentiment_score":0.15847853134171322},{"text":"But, yeah, we'll we'll be we'll be able to consider the the SMSF and where it sits as we move forward.","start":1029.8099,"end":1035.11,"sentiment":"neutral","sentiment_score":0.1424053612919081}],"sentiment":"neutral","sentiment_score":0.17461769891124737,"num_words":79,"start":1011.24,"end":1035.11},{"sentences":[{"text":"Alright?","start":1035.4099,"end":1035.9099,"sentiment":"neutral","sentiment_score":0.09122248739004137},{"text":"Yes.","start":1042.735,"end":1043.0549,"sentiment":"neutral","sentiment_score":0.07088471949100494},{"text":"Yeah.","start":1043.0549,"end":1043.295,"sentiment":"neutral","sentiment_score":0.08662672340869904},{"text":"Just in the in the hubs hub holding.","start":1043.295,"end":1045.775,"sentiment":"neutral","sentiment_score":0.08438688702881336},{"text":"So the 260,000 out means the fee drops, so that's fine.","start":1045.775,"end":1051.875,"sentiment":"neutral","sentiment_score":0.12606725706295532}],"sentiment":"neutral","sentiment_score":0.10502585700967094,"num_words":22,"start":1035.4099,"end":1051.875},{"sentences":[{"text":"Yeah.","start":1056.1901,"end":1056.6901,"sentiment":"positive","sentiment_score":0.4337146282196045},{"text":"Perfect.","start":1057.15,"end":1057.65,"sentiment":"positive","sentiment_score":0.6180393695831299},{"text":"Were there any other questions that you may have had for me, Kelly?","start":1057.87,"end":1060.53,"sentiment":"neutral","sentiment_score":0.25428008001584274},{"text":"Alright.","start":1066.03,"end":1066.43,"sentiment":"positive","sentiment_score":0.47641944885253906},{"text":"Perfect.","start":1066.43,"end":1066.93,"sentiment":"positive","sentiment_score":0.6119909286499023}],"sentiment":"neutral","sentiment_score":0.32034149503006654,"num_words":17,"start":1056.1901,"end":1066.93},{"sentences":[{"text":"No stress at all.","start":1067.23,"end":1068.45,"sentiment":"neutral","sentiment_score":0.2748539010062814},{"text":"Opportunity and Yeah.","start":1069.065,"end":1075.815,"sentiment":"neutral","sentiment_score":0.11865522960821788},{"text":"Yeah.","start":1091.21,"end":1091.71,"sentiment":"neutral","sentiment_score":0.04875373095273971},{"text":"No.","start":1092.0099,"end":1092.33,"sentiment":"neutral","sentiment_score":-0.01036948338150978},{"text":"And that's absolutely fine.","start":1092.33,"end":1093.45,"sentiment":"neutral","sentiment_score":0.2075447253882885}],"sentiment":"neutral","sentiment_score":0.17876495707493562,"num_words":13,"start":1067.23,"end":1093.45},{"sentences":[{"text":"We can definitely consider that.","start":1093.45,"end":1094.73,"sentiment":"neutral","sentiment_score":0.30241442024707793},{"text":"It's a little hard right now while we're in that transition phase.","start":1094.73,"end":1098.5651,"sentiment":"neutral","sentiment_score":-0.13700294122099876},{"text":"But once it's all set up, we can definitely delve a little bit deeper into what it really looks like for the long term.","start":1098.8651,"end":1104.805,"sentiment":"neutral","sentiment_score":0.11911807116121054},{"text":"Absolutely my pleasure.","start":1108.96,"end":1110.1599,"sentiment":"positive","sentiment_score":0.7942684888839722},{"text":"Sorry.","start":1110.1599,"end":1110.6399,"sentiment":"neutral","sentiment_score":0.09149772673845293}],"sentiment":"neutral","sentiment_score":0.11558163795206282,"num_words":45,"start":1093.45,"end":1110.6399},{"sentences":[{"text":"Got the hiccups again for the day.","start":1110.6399,"end":1112.58,"sentiment":"neutral","sentiment_score":0.05754084778683526},{"text":"Alright.","start":1115.7599,"end":1116.24,"sentiment":"neutral","sentiment_score":0.28751882910728455},{"text":"Breathe.","start":1116.24,"end":1116.74,"sentiment":"positive","sentiment_score":0.3535541594028473},{"text":"Alright.","start":1117.9199,"end":1118.24,"sentiment":"positive","sentiment_score":0.4947919249534607},{"text":"You have a lovely one.","start":1118.24,"end":1119.5399,"sentiment":"positive","sentiment_score":0.787004005908966}],"sentiment":"positive","sentiment_score":0.36491139183441795,"num_words":15,"start":1110.6399,"end":1119.5399},{"sentences":[{"text":"Bye.","start":1122.0,"end":1122.5,"sentiment":"neutral","sentiment_score":0.2573850750923157}],"sentiment":"neutral","sentiment_score":0.2573850750923157,"num_words":1,"start":1122.0,"end":1122.5}]}}]},{"alternatives":[{"transcript":"Hi. Obviously Hello, Terry. I'm just getting a phone call ending from. I'm good. Thank you. Is this okay? It's good, Lorisa. I'm just I'm just going to shut the door and put my earphones in and do all the things. How are you? Is it Larissa? Yes. That's good. That's true. Yeah. That's right. Yeah. So how can I help? Or how can you help? I think it's probably the question. Yep. Yep. That's correct. Yeah. All the things. Yep. Yep. An accountant, property manager, all those things. Mhmm. Yep. Yep. Yep. Okay. And the benefit of that is just having it all in one place. Mhmm. Yes. No. Just me. I wouldn't though. I wouldn't be. That's not gonna be an option. No. Been down the the pathway of joint funds. That's not gonna happen again. Yep. I'm like, I'm just gonna run my own boat from now on. Yep. Yeah. I had intended them saying to go to let me think about that with no. I haven't changed that. That was still going to be going into the hub twenty four because for me, this is kind of making sure all my eggs weren't in the one basket. I wanted to do some property purchases with my super, but when I spoke to one of you guys last year, I was told that that wasn't something that could be done. And so and I am of the mind that I'm would prefer to be in more control of my money than leaving it in a super fund to be managed. But I'm kind of wanting to hedge my bets around having some property with self managed super and the more traditional super fund that you guys support me in in Hub 24. Yeah. Because I'm still going to need yep. You're right. Oh, well, I'm well, I'm still if if if they wanna get to 60, if I'm going to wanna draw down on something, I'm still gonna need a cash amount to be able to draw down on that I, you know, may or may not have with the self managed because, you know, I'm gonna be going health whether trying to get rid of the the debt on the property. And I still need all well, I still need my income protection. So I'm, you know, still paying to have that happening so that I have the the income protection cover, which yeah. So does that make sense? Yep. That's already done. Yeah. It's it's a property development. So I'm doing a I've done a deposit and then an advancement of funds that I'm getting a return on while the property is being built. No. No. It'll be fading in a bit. Like a yeah. It it's terminal with anything. Oh, we did? Yep. Yep. Yep. Yep. Yep. That would be like a ten year it would be a ten year sell off probably, I guess, if that's what is needed to be happen. So, like, maybe, you know, getting closer to my the time that I can access fully my super, which would be sixty five, I suppose. So roughly ten years. Yeah. Yes. To me, that's the worst case scenario, but '65 is not worst case scenario. But that's a I mean, that's a reasonable time period for a return, I think. Yep. Yep. Look. On the personal investment property. No. I'm a home. I haven't got anything mortgage on my home, and I've got another investment property that I own privately. I think it's not outside of the super fund. Yeah. That's okay. So, yes, that that is still fairly waiting with debt. So it would be probably a cashing of, you know, equalizing where I'm at and just just reassessing. Probably I'll probably reassess at 60. Yeah. I reckon. Yep. Yeah. Yep. Yeah. I can't say why I wouldn't I can't say why I would object to that. You've gotta have you know, it's helpful here to have a full picture around all my strategies. Third quarter twenty seven, I think it is. Yep. Yeah. Yep. Yeah. I believe they did. Can't quite recall. I think it was, like, 600. So I can get another one at the same time. Yeah. Was it a $5.50 or $6.50? 1 or 2. That means which which one is it now? I think it worked out to be about $404.04 20, I think it might have been. Mhmm. Yeah. Yeah. Yeah. Yep. Yep. Mhmm. Yeah. Yep. That's right. Yep. Uh-huh. Yep. Yep. Yeah. Yeah. I totally understand that. I appreciate that view because that is definitely the balance that will need to be done. But, yeah, possibly isn't something that needs to be looked at until it's actually done and dusted and up and operational, and we can see where we're at. Yep. Yep. Yeah. Yep. Yeah. Yeah. Sure. That'd be great. Yeah. Yeah. Thank you. Yep. And just to remind me, your the your fee is a percentage of my overall balance, isn't it? Yep. Yep. Yep. Yeah. Full relatives. Yep. Very good. No. I think that I think we're good. Thank you. I've been happy with you. I just I just had a personal view around, yeah, wanting to have an SMS for property rather than have it all sitting in the one thing given that maybe I'm only, you know, six or eight years or however far away I am from from actually needing the money. So yeah. Yep. Yeah. Yeah. Great. Thanks very much, Oh, Lisa. Boo. Thanks very much. See you later. 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Obviously Hello, Terry. I'm just getting a phone call ending from. I'm good. Thank you.\n\nIs this okay? It's good, Lorisa. I'm just I'm just going to shut the door and put my earphones in and do all the things. How are you? Is it Larissa?\n\nYes. That's good. That's true. Yeah. That's right.\n\nYeah. So how can I help? Or how can you help? I think it's probably the question. Yep.\n\nYep. That's correct. Yeah. All the things. Yep.\n\nYep. An accountant, property manager, all those things. Mhmm. Yep. Yep.\n\nYep. Okay. And the benefit of that is just having it all in one place. Mhmm. Yes.\n\nNo. Just me. I wouldn't though. I wouldn't be. That's not gonna be an option.\n\nNo. Been down the the pathway of joint funds. That's not gonna happen again. Yep. I'm like, I'm just gonna run my own boat from now on.\n\nYep. Yeah. I had intended them saying to go to let me think about that with no. I haven't changed that. That was still going to be going into the hub twenty four because for me, this is kind of making sure all my eggs weren't in the one basket.\n\nI wanted to do some property purchases with my super, but when I spoke to one of you guys last year, I was told that that wasn't something that could be done. And so and I am of the mind that I'm would prefer to be in more control of my money than leaving it in a super fund to be managed. But I'm kind of wanting to hedge my bets around having some property with self managed super and the more traditional super fund that you guys support me in in Hub 24. Yeah. Because I'm still going to need yep.\n\nYou're right. Oh, well, I'm well, I'm still if if if they wanna get to 60, if I'm going to wanna draw down on something, I'm still gonna need a cash amount to be able to draw down on that I, you know, may or may not have with the self managed because, you know, I'm gonna be going health whether trying to get rid of the the debt on the property. And I still need all well, I still need my income protection. So I'm, you know, still paying to have that happening so that I have the the income protection cover, which yeah. So does that make sense?\n\nYep. That's already done. Yeah. It's it's a property development. So I'm doing a I've done a deposit and then an advancement of funds that I'm getting a return on while the property is being built.\n\nNo. No. It'll be fading in a bit. Like a yeah. It it's terminal with anything.\n\nOh, we did? Yep. Yep. Yep. Yep.\n\nYep. That would be like a ten year it would be a ten year sell off probably, I guess, if that's what is needed to be happen. So, like, maybe, you know, getting closer to my the time that I can access fully my super, which would be sixty five, I suppose. So roughly ten years. Yeah.\n\nYes. To me, that's the worst case scenario, but '65 is not worst case scenario. But that's a I mean, that's a reasonable time period for a return, I think. Yep. Yep.\n\nLook. On the personal investment property. No. I'm a home. I haven't got anything mortgage on my home, and I've got another investment property that I own privately.\n\nI think it's not outside of the super fund. Yeah. That's okay. So, yes, that that is still fairly waiting with debt. So it would be probably a cashing of, you know, equalizing where I'm at and just just reassessing.\n\nProbably I'll probably reassess at 60. Yeah. I reckon. Yep. Yeah.\n\nYep. Yeah. I can't say why I wouldn't I can't say why I would object to that. You've gotta have you know, it's helpful here to have a full picture around all my strategies. Third quarter twenty seven, I think it is.\n\nYep. Yeah. Yep. Yeah. I believe they did.\n\nCan't quite recall. I think it was, like, 600. So I can get another one at the same time. Yeah. Was it a $5.50 or $6.50?\n\n1 or 2. That means which which one is it now? I think it worked out to be about $404.04 20, I think it might have been. Mhmm. Yeah.\n\nYeah. Yeah. Yep. Yep. Mhmm.\n\nYeah. Yep. That's right. Yep. Uh-huh.\n\nYep. Yep. Yeah. Yeah. I totally understand that.\n\nI appreciate that view because that is definitely the balance that will need to be done. But, yeah, possibly isn't something that needs to be looked at until it's actually done and dusted and up and operational, and we can see where we're at. Yep. Yep. Yeah.\n\nYep. Yeah. Yeah. Sure. That'd be great.\n\nYeah. Yeah. Thank you. Yep. And just to remind me, your the your fee is a percentage of my overall balance, isn't it?\n\nYep. Yep. Yep. Yeah. Full relatives.\n\nYep. Very good. No. I think that I think we're good. Thank you.\n\nI've been happy with you. I just I just had a personal view around, yeah, wanting to have an SMS for property rather than have it all sitting in the one thing given that maybe I'm only, you know, six or eight years or however far away I am from from actually needing the money. So yeah. Yep. Yeah.\n\nYeah. Great. Thanks very much, Oh, Lisa. Boo. Thanks very much.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.07295095920562744},{"text":"Obviously Hello, Terry.","start":2.6666665,"end":7.2,"sentiment":"neutral","sentiment_score":0.11776975045601527},{"text":"I'm just getting a phone call ending from.","start":7.2,"end":9.94,"sentiment":"neutral","sentiment_score":0.09623698052018881},{"text":"I'm good.","start":15.065,"end":15.384999,"sentiment":"positive","sentiment_score":0.6424727141857147},{"text":"Thank you.","start":15.384999,"end":15.785,"sentiment":"positive","sentiment_score":0.7150744795799255}],"sentiment":"neutral","sentiment_score":0.24445315264165401,"num_words":16,"start":0.88,"end":15.785},{"sentences":[{"text":"Is this okay?","start":15.785,"end":16.685,"sentiment":"neutral","sentiment_score":0.28781484564145404},{"text":"It's good, Lorisa.","start":20.585,"end":21.465,"sentiment":"positive","sentiment_score":0.5461753606796265},{"text":"I'm just I'm just going 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option.","start":269.785,"end":271.14502,"sentiment":"neutral","sentiment_score":-0.30254044632116955}],"sentiment":"neutral","sentiment_score":-0.2489772081375122,"num_words":15,"start":259.15,"end":271.14502},{"sentences":[{"text":"No.","start":271.14502,"end":271.64502,"sentiment":"negative","sentiment_score":-0.33655020594596863},{"text":"Been down the the pathway of joint funds.","start":275.08002,"end":277.16,"sentiment":"neutral","sentiment_score":-0.2463402971625328},{"text":"That's not gonna happen again.","start":277.16,"end":278.46,"sentiment":"negative","sentiment_score":-0.4273084580898285},{"text":"Yep.","start":284.44,"end":284.94,"sentiment":"neutral","sentiment_score":-0.07293955981731415},{"text":"I'm like, I'm just gonna run my own boat from now on.","start":285.48,"end":288.7,"sentiment":"neutral","sentiment_score":-0.21408511946598688}],"sentiment":"neutral","sentiment_score":-0.2624361432260937,"num_words":27,"start":271.14502,"end":288.7},{"sentences":[{"text":"Yep.","start":300.035,"end":300.535,"sentiment":"neutral","sentiment_score":0.1311873346567154},{"text":"Yeah.","start":355.41498,"end":355.91498,"sentiment":"neutral","sentiment_score":-0.036326631903648376},{"text":"I had intended them saying to go to let me think about that with no.","start":361.57,"end":370.61002,"sentiment":"neutral","sentiment_score":-0.1738102932771047},{"text":"I haven't changed that.","start":370.61002,"end":371.65,"sentiment":"neutral","sentiment_score":-0.2522565722465515},{"text":"That was still going to be going into the hub twenty four because for me, this is kind of making sure all my eggs weren't in the one basket.","start":371.65,"end":380.565,"sentiment":"neutral","sentiment_score":-0.18472509394431935}],"sentiment":"neutral","sentiment_score":-0.17756695419549942,"num_words":50,"start":300.035,"end":380.565},{"sentences":[{"text":"I wanted to do some property purchases with my super, but when I spoke to one of you guys last year, I was told that that wasn't something that could be done.","start":381.585,"end":395.06,"sentiment":"neutral","sentiment_score":-0.11091143789235502},{"text":"And so and I am of the mind that I'm would prefer to be in more control of my money than leaving it in a super fund to be managed.","start":397.44,"end":410.935,"sentiment":"neutral","sentiment_score":0.04539784155786038},{"text":"But I'm kind of wanting to hedge my bets around having some property with self managed super and the more traditional super fund that you guys support me in in Hub 24.","start":412.595,"end":426.65,"sentiment":"neutral","sentiment_score":0.14835570962168276},{"text":"Yeah.","start":432.045,"end":432.545,"sentiment":"neutral","sentiment_score":0.010358616709709167},{"text":"Because I'm still going to need yep.","start":433.405,"end":435.565,"sentiment":"neutral","sentiment_score":-0.13640043565205165}],"sentiment":"neutral","sentiment_score":0.015840269698231827,"num_words":102,"start":381.585,"end":435.565},{"sentences":[{"text":"You're right.","start":435.565,"end":436.305,"sentiment":"neutral","sentiment_score":-0.08967506140470505},{"text":"Oh, well, I'm well, I'm still if if if they wanna get to 60, if I'm going to wanna draw down on something, I'm still gonna need a cash amount to be able to draw down on that I, you know, may or may not have with the self managed because, you know, I'm gonna be going health whether trying to get rid of the the debt on the property.","start":438.045,"end":462.935,"sentiment":"neutral","sentiment_score":-0.12378505657293967},{"text":"And I still need all well, I still need my income protection.","start":465.47498,"end":469.25497,"sentiment":"neutral","sentiment_score":-0.09252502831319968},{"text":"So I'm, you know, still paying to have that happening so that I have the the income protection cover, which yeah.","start":469.31497,"end":481.23,"sentiment":"neutral","sentiment_score":0.018954565393782798},{"text":"So does that make sense?","start":482.57,"end":484.27002,"sentiment":"neutral","sentiment_score":0.0117149967700243}],"sentiment":"neutral","sentiment_score":-0.08634530514140021,"num_words":110,"start":435.565,"end":484.27002},{"sentences":[{"text":"Yep.","start":492.535,"end":492.935,"sentiment":"neutral","sentiment_score":0.03764805942773819},{"text":"That's already done.","start":492.935,"end":494.075,"sentiment":"neutral","sentiment_score":0.09896336247523625},{"text":"Yeah.","start":498.535,"end":498.935,"sentiment":"neutral","sentiment_score":0.0613301582634449},{"text":"It's it's a property development.","start":498.935,"end":503.30002,"sentiment":"neutral","sentiment_score":0.07614738568663597},{"text":"So I'm doing a I've done a deposit and then an advancement of funds that I'm getting a return on while the property is being built.","start":503.30002,"end":513.56,"sentiment":"neutral","sentiment_score":0.12716898293449327}],"sentiment":"neutral","sentiment_score":0.1134166330513027,"num_words":36,"start":492.535,"end":513.56},{"sentences":[{"text":"No.","start":523.495,"end":523.995,"sentiment":"neutral","sentiment_score":-0.22828839719295504},{"text":"No.","start":525.095,"end":525.595,"sentiment":"neutral","sentiment_score":-0.14642858505249023},{"text":"It'll be fading in a 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did?","start":545.805,"end":546.625,"sentiment":"neutral","sentiment_score":0.019598872711261112},{"text":"Yep.","start":547.005,"end":547.505,"sentiment":"neutral","sentiment_score":0.06117887794971466},{"text":"Yep.","start":553.645,"end":554.145,"sentiment":"neutral","sentiment_score":0.07958094775676727},{"text":"Yep.","start":564.04,"end":564.54,"sentiment":"neutral","sentiment_score":0.18489617109298703},{"text":"Yep.","start":567.56,"end":568.06,"sentiment":"neutral","sentiment_score":0.13956695795059204}],"sentiment":"neutral","sentiment_score":0.07485993898340634,"num_words":7,"start":545.805,"end":568.06},{"sentences":[{"text":"Yep.","start":569.0,"end":569.5,"sentiment":"neutral","sentiment_score":0.08423417806625366},{"text":"That would be like a ten year it would be a ten year sell off probably, I guess, if that's what is needed to be happen.","start":574.485,"end":587.22003,"sentiment":"neutral","sentiment_score":-0.14722548683102316},{"text":"So, like, maybe, you know, getting closer to my the time that I can access fully my super, which would be sixty five, I suppose.","start":587.22003,"end":596.695,"sentiment":"neutral","sentiment_score":-0.018652629032731058},{"text":"So roughly ten years.","start":596.695,"end":599.275,"sentiment":"neutral","sentiment_score":-0.011620495934039354},{"text":"Yeah.","start":601.255,"end":601.755,"sentiment":"neutral","sentiment_score":0.03731343150138855}],"sentiment":"neutral","sentiment_score":-0.07401952206304199,"num_words":57,"start":569.0,"end":601.755},{"sentences":[{"text":"Yes.","start":608.3,"end":608.7,"sentiment":"neutral","sentiment_score":0.045957230031490326},{"text":"To me, that's the worst case scenario, but '65 is not worst case scenario.","start":608.7,"end":613.82,"sentiment":"neutral","sentiment_score":-0.1294636902000223},{"text":"But that's a I mean, that's a reasonable time period for a return, I 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you.","start":1067.14,"end":1068.1,"sentiment":"positive","sentiment_score":0.40890781581401825},{"text":"I just I just had a personal view around, yeah, wanting to have an SMS for property rather than have it all sitting in the one thing given that maybe I'm only, you know, six or eight years or however far away I am from from actually needing the money.","start":1068.1,"end":1090.0,"sentiment":"neutral","sentiment_score":0.05295019736979157},{"text":"So yeah.","start":1090.0,"end":1090.99,"sentiment":"neutral","sentiment_score":0.05073416233062744},{"text":"Yep.","start":1098.665,"end":1099.165,"sentiment":"neutral","sentiment_score":0.056930460035800934},{"text":"Yeah.","start":1104.1849,"end":1104.6849,"sentiment":"neutral","sentiment_score":0.015874473378062248}],"sentiment":"neutral","sentiment_score":0.08248003738364047,"num_words":59,"start":1067.14,"end":1104.6849},{"sentences":[{"text":"Yeah.","start":1104.905,"end":1105.3049,"sentiment":"neutral","sentiment_score":0.20855657756328583},{"text":"Great.","start":1105.3049,"end":1105.8049,"sentiment":"positive","sentiment_score":0.731243908405304},{"text":"Thanks very much, Oh, Lisa.","start":1106.105,"end":1113.6699,"sentiment":"positive","sentiment_score":0.5688545674085617},{"text":"Boo.","start":1119.33,"end":1119.6499,"sentiment":"positive","sentiment_score":0.6535015106201172},{"text":"Thanks very much.","start":1119.6499,"end":1120.61,"sentiment":"positive","sentiment_score":0.7909947435061137}],"sentiment":"positive","sentiment_score":0.6191417331045325,"num_words":11,"start":1104.905,"end":1120.61},{"sentences":[{"text":"See you later.","start":1120.61,"end":1121.4299,"sentiment":"positive","sentiment_score":0.5590129295984904},{"text":"Bye.","start":1122.61,"end":1123.11,"sentiment":"neutral","sentiment_score":-0.09804258495569228}],"sentiment":"positive","sentiment_score":0.3947490509599447,"num_words":4,"start":1120.61,"end":1123.11}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Obviously Hello, Terry. I'm just getting a phone call ending from.\n\nChannel 0: How are you doing? How are you doing, Kelly?\n\nChannel 1: I'm good. Thank you. Is this okay?\n\nChannel 0: Yes. Yeah. My name is Larissa. How are you?\n\nChannel 1: It's good, Lorisa. I'm just I'm just going to shut the door and put my earphones in and do all the things.\n\nChannel 0: You're okay. Get yourself set up.\n\nChannel 1: How are you? Is it Larissa?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: I'm really, really well. It's\n\nChannel 1: That's\n\nChannel 0: basically\n\nChannel 1: good.\n\nChannel 0: Thursday based on the trajectory of the week.\n\nChannel 1: That's true.\n\nChannel 0: Yep. You know, one of those fun where you keep turning around and I'm looking at the week and forgetting what day it is. I thought it was\n\nChannel 1: Yeah.\n\nChannel 0: Tuesday\n\nChannel 1: That's\n\nChannel 0: today.\n\nChannel 1: right. Yeah. So how can I help? Or how\n\nChannel 0: So\n\nChannel 1: can you help? I think it's probably the question.\n\nChannel 0: yeah. It's okay. The the rollout from your super fund and have a chat with you with respect to\n\nChannel 1: Yep.\n\nChannel 0: where things are at and what's happening. And\n\nChannel 1: Yep.\n\nChannel 0: and your like, set up a SMS and from what Kayden was saying, intend to properly purchase property?\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. Are you, like, doing it independently, or have you, like, engaged an accountant to, like, assist you with\n\nChannel 1: Yeah.\n\nChannel 0: setting\n\nChannel 1: All\n\nChannel 0: up\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: things.\n\nChannel 0: SMS? Or\n\nChannel 1: Yep. Yep. An accountant,\n\nChannel 0: Yep.\n\nChannel 1: property manager, all those things.\n\nChannel 0: Yeah. Okay. So with with the SMSF fund and, like, your superannuation fund, it means that you have two accounts open, and it it is not that it's a unique situation in any way, shape, or form. It's it's it's it's they're doing two very different things.\n\nChannel 1: Mhmm.\n\nChannel 0: Now depending on because because your SMSF is intending on purchasing a property, it would have to have a bare trust attached to it with your account which your account would have set up\n\nChannel 1: Yep.\n\nChannel 0: and would be operating. And then, obviously, you have a cash account through the bank you would obviously choose to bank with that enables\n\nChannel 1: Yep.\n\nChannel 0: you to obviously receive money and receive, you know, everything from your from rent, rental income, pay the bills, all that kind of fun stuff.\n\nChannel 1: Yep.\n\nChannel 0: So I guess the the the biggest question is is that what is the intent long term with SMSF fund? Are you intending on just owning the property with the SMSF account? And, you know, is it something that you wanna look at expanding on so that the SMSF owns more? Because currently, like, your SMSF fund would own the property, but then you personally own your super fund. What we can do is basically kind of amalgamate everything and make and change the ownership of your of your Hub twenty four account so that your SMSF owns it.\n\nSo that way everything's basically run through your SMSF account, if that makes sense.\n\nChannel 1: Okay. And the benefit of that is just having it all\n\nChannel 0: It\n\nChannel 1: in\n\nChannel 0: means\n\nChannel 1: one place.\n\nChannel 0: yeah. Reporting wise, it means that, you know, everything's reported through your SMSF fund. It does create a little bit more of a onus on you with reporting from the SMSF perspective, but Hub twenty four take care of all the Hub twenty four holdings. So that's kinda\n\nChannel 1: Mhmm.\n\nChannel 0: nice there. But it just means that everything's owned by the same superannuation fund, like, owners ownership structure. It means can I ask with your SMSF fund, are you like, is it you as the sole trustee, or\n\nChannel 1: Yes.\n\nChannel 0: are there other people within the nope? Just\n\nChannel 1: No.\n\nChannel 0: you.\n\nChannel 1: Just me.\n\nChannel 0: Okay. So it it would mean, like, if you ever brought anyone else into the SMSF, you could combine monies in the\n\nChannel 1: I\n\nChannel 0: future\n\nChannel 1: wouldn't\n\nChannel 0: as well.\n\nChannel 1: though. I wouldn't be.\n\nChannel 0: You\n\nChannel 1: That's\n\nChannel 0: would never?\n\nChannel 1: not gonna be an\n\nChannel 0: No.\n\nChannel 1: option. No.\n\nChannel 0: No. That's totally fair.\n\nChannel 1: Been down the the pathway of joint funds. That's not gonna happen again.\n\nChannel 0: No. Yeah. It's a pain, isn't it? Having to split everything up again is\n\nChannel 1: Yep. I'm\n\nChannel 0: not\n\nChannel 1: like,\n\nChannel 0: fun.\n\nChannel 1: I'm just gonna run my own boat from now on.\n\nChannel 0: Yeah. No. That's okay. Alright. If you're not intending on ever sort of joining forces with another person, it doesn't really change you too much then.\n\nChannel 1: Yep.\n\nChannel 0: Probably more of a pain than anything. So it can just remain within your name, and we can continue to manage things. From an overall perspective, if you wanna keep working with us, we can definitely do so. I think the the biggest, I guess, pain in the neck for you is that when we talk with you each year, we're gonna need reporting from the SMSF perspective to be able to ensure that we're incorporating that from, you know, ensuring that we're meeting where we need to head, you know, that the property and the SMSF side or comp or component is operating well, making sure that, you know, do we need to put money over into the into the SMSF account, or do we need to take money from the SMSF account and invest it within, you know, the hub twenty four environment, you know, type this way. Because where are you intending on your contributions from your employer going?\n\nAre they gonna go to the SMSF funds and now?\n\nChannel 1: Yeah. I had intended them saying to go to let me think about that with no. I haven't changed that. That was still going to be going into the hub twenty four because for me, this is kind of making sure all my eggs weren't in the one basket. I\n\nChannel 0: Yep.\n\nChannel 1: wanted to do some property purchases with my super, but when I spoke to one of you guys last year, I was told that that wasn't something that could be done. And so and I am of the mind that I'm would prefer to be in more control of my money than leaving it in a super fund to be managed.\n\nChannel 0: Yep.\n\nChannel 1: But I'm kind of wanting to hedge my bets around having some property with self managed super and the more traditional super fund that you guys support me in in Hub 24.\n\nChannel 0: Okay. Alright. No. That's okay.\n\nChannel 1: Yeah. Because I'm\n\nChannel 0: We\n\nChannel 1: still\n\nChannel 0: we\n\nChannel 1: going\n\nChannel 0: can\n\nChannel 1: to need yep. You're right.\n\nChannel 0: no. No. No. You keep going. You're still\n\nChannel 1: Oh,\n\nChannel 0: gonna\n\nChannel 1: well, I'm\n\nChannel 0: need?\n\nChannel 1: well, I'm still if if if they wanna get to 60, if I'm going to wanna draw down on something, I'm still gonna need a cash amount to be able to draw down on that\n\nChannel 0: Yep.\n\nChannel 1: I, you know, may or may not have with the self managed because, you know, I'm gonna be going health whether trying to get rid of the the debt on the property. And I still need all well, I still need my income protection.\n\nChannel 0: Yes.\n\nChannel 1: So I'm, you know, still paying to have that happening so that I have the the income protection cover, which\n\nChannel 0: No. Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: So with\n\nChannel 1: So\n\nChannel 0: the property\n\nChannel 1: does\n\nChannel 0: purchase,\n\nChannel 1: that make\n\nChannel 0: have\n\nChannel 1: sense?\n\nChannel 0: you no. It it definitely does. With the property purchase, have you set like, have you found a property that you're wanting to purchase?\n\nChannel 1: Yep. That's already done.\n\nChannel 0: Perfect. So you're you're currently going through settlement and\n\nChannel 1: Yeah. It's it's a property development. So I'm doing a I've done a deposit and then an advancement of funds that I'm getting a return on while the property is being built.\n\nChannel 0: Okay. And once like, with the loan, because you like, unless the property was 260,000,\n\nChannel 1: No.\n\nChannel 0: which doesn't happen these days.\n\nChannel 1: No.\n\nChannel 0: What's what should your loan term? Are we ten, twenty, thirty years?\n\nChannel 1: It'll be fading in a bit. Like a yeah. It it's terminal with anything.\n\nChannel 0: Okay. And once that thirty years is up, like because you're 50\n\nChannel 1: Oh, we\n\nChannel 0: three\n\nChannel 1: did? Yep.\n\nChannel 0: this year. No. 53 this year. So\n\nChannel 1: Yep.\n\nChannel 0: what's your what's your, I guess, exit strategy with respect to the mortgage on that property? Because, like, I know that you have your you have your PPR or your your primary place of residence,\n\nChannel 1: Yep.\n\nChannel 0: and you have some decent equity within that property at\n\nChannel 1: Yep.\n\nChannel 0: last value.\n\nChannel 1: Yep.\n\nChannel 0: So what what sort of, I guess, the the angle that you're wanting to look at with some with,\n\nChannel 1: That would be\n\nChannel 0: like,\n\nChannel 1: like\n\nChannel 0: your\n\nChannel 1: a\n\nChannel 0: retirement\n\nChannel 1: ten year\n\nChannel 0: exit strategy?\n\nChannel 1: it would be a ten year sell off probably, I guess, if that's what is needed to be happen. So, like, maybe, you know, getting closer to my the time that I can access fully my super, which would\n\nChannel 0: Okay.\n\nChannel 1: be sixty five, I suppose. So\n\nChannel 0: I mean, it\n\nChannel 1: roughly\n\nChannel 0: could be\n\nChannel 1: ten\n\nChannel 0: sixty\n\nChannel 1: years.\n\nChannel 0: depending on what you wanted to do, but, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: like, 6065 is is no no restrictions is what we are ten years.\n\nChannel 1: Yes.\n\nChannel 0: That is\n\nChannel 1: To\n\nChannel 0: what\n\nChannel 1: me, that's\n\nChannel 0: the eight sixty\n\nChannel 1: the worst case\n\nChannel 0: five\n\nChannel 1: scenario,\n\nChannel 0: gives you.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: '65 is not worst case scenario. But that's a I mean, that's a reasonable time period for a return, I think.\n\nChannel 0: Okay. No. There. Alright. So the intention is to, like, purchase build a property through development, hold for\n\nChannel 1: Yep.\n\nChannel 0: ten years, and then sell that investment off, re I guess, rediversify into sort of, I guess, shares or other holdings and then have a drawdown strategy from there.\n\nChannel 1: Yep.\n\nChannel 0: Okay. No. That's okay. Alright. So with with the PPR, are you intending on remaining in that property long term?\n\nBecause I I\n\nChannel 1: Look.\n\nChannel 0: think we still have about 600,000 owing on that.\n\nChannel 1: On the personal\n\nChannel 0: Yeah. On your on\n\nChannel 1: investment\n\nChannel 0: your on your\n\nChannel 1: property.\n\nChannel 0: home.\n\nChannel 1: No. I'm a\n\nChannel 0: Yeah.\n\nChannel 1: home.\n\nChannel 0: On\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: haven't\n\nChannel 0: yeah.\n\nChannel 1: got anything mortgage on my home, and I've got another investment property that I own privately. I think it's not outside of the super fund.\n\nChannel 0: Oh, sorry. Yes. You do. Sorry. I've crossed my crossed my\n\nChannel 1: Yeah. That's okay. So, yes, that that\n\nChannel 0: rose.\n\nChannel 1: is still fairly waiting with debt. So it would be probably a cashing of, you know, equalizing where\n\nChannel 0: No.\n\nChannel 1: I'm at and just just reassessing. Probably I'll probably reassess at 60.\n\nChannel 0: That's okay. So the PPR, we're intending on remaining within that property and then reevaluate what it looks like with the investment properties later down the track.\n\nChannel 1: Yeah. I reckon.\n\nChannel 0: Okay. Alright. So it's it's definitely definitely achievable. Each year when we speak, would you be willing to, I guess, provide us with the the account and tax return report for the SMSF? Like, so there'll be, like, a a court audit, sorry, audit and tax return for the SMSF.\n\nChannel 1: Yep.\n\nChannel 0: So that way we can take that in into consideration when we're talking with you each year about, you know, all the values of this, and this is sitting here, Your your, you know, your Hub twenty four fund's doing this. So, you know, if we're looking down, you know, five, ten years time, this is where we're on track for drawdown, and we can we can really strategize and make sure that we are on track with everything. Because\n\nChannel 1: Yeah.\n\nChannel 0: if we're missing half the picture from the SMSF fund, it obviously puts a hand behind our and therefore your back because we're\n\nChannel 1: Yep.\n\nChannel 0: not gonna be able to adequately be able to work with you. But if you're happy to send us the the audit report statement and and tax return, then, you know, we can definitely continue to to help work with you and make sure that everything's sitting kosher.\n\nChannel 1: Yeah. I can't say why I wouldn't I can't say why I would object to that. You've gotta have you know, it's helpful here to have a full picture around all my strategies.\n\nChannel 0: No. Perfect. Alright. Cool. So can I ask when's the development set to be finalized?\n\nWhen's it on track for?\n\nChannel 1: Third quarter twenty seven, I think it\n\nChannel 0: '27. So quarter. Okay. So it's still sort of a a year and a half away. Year and\n\nChannel 1: is. Yep.\n\nChannel 0: yeah. Year and a half. Okay. No. That's okay.\n\nAnd then do they help get renters in? Or\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yeah. Cool. No. Perfect. So that'll be good.\n\nIt it takes that pressure off you, and and\n\nChannel 1: Yeah.\n\nChannel 0: and they do they have a estimated, like, rental outcome for it already?\n\nChannel 1: I believe they did. Can't quite recall. I think it was, like, 600. So I can get another one at the same time. Yeah.\n\nWas it a $5.50 or $6.50? 1 or 2. That means which which one is it now?\n\nChannel 0: No. That's okay. So $5.50 or $6.50. That's okay. Per week in income.\n\nAnd then what what's the loan that you're going to end up with after everything's built and done?\n\nChannel 1: I think it worked out to be about $404.04\n\nChannel 0: Okay.\n\nChannel 1: 20, I think it might have been.\n\nChannel 0: That's not too bad. We're not leveraged crazily. Okay. The biggest thing we're gonna have to definitely look at, and it's gonna be something that we probably have to do once the house is built or close to when we have definite solidified you know, obviously, you're on, like, a builder's loan and stuff like\n\nChannel 1: Mhmm.\n\nChannel 0: that right now.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: once\n\nChannel 1: Yeah.\n\nChannel 0: everything's done and dusted, we'll definitely need to look at the SMSF account. We can have that conversation, then obviously, we're gonna still talk between now and then, but we can have that\n\nChannel 1: Yep.\n\nChannel 0: conversation really solidly to make sure that we have the cash available within the SMSF to service the bills that are required,\n\nChannel 1: Yep.\n\nChannel 0: have a look at, you know, at the time that the loan you know, everything's built and what our how final outcome of our loan is, what our variable rate is, where our repayments are, the money coming in, the money going out to make\n\nChannel 1: Mhmm.\n\nChannel 0: sure, well, do we need to split your contributions? Do we have do we need some of the money going over to the SMSF fund? Do we need to sort of look at transferring money each quarter to make sure that we are servicing and paying the bills that we need to pay?\n\nChannel 1: Yeah.\n\nChannel 0: What does\n\nChannel 1: Yep.\n\nChannel 0: it look\n\nChannel 1: That's\n\nChannel 0: like?\n\nChannel 1: right.\n\nChannel 0: Or or is the SMSF operating at a positive\n\nChannel 1: Yep.\n\nChannel 0: where we can take money out of that and put it over into, like, the\n\nChannel 1: Uh-huh.\n\nChannel 0: investment account?\n\nChannel 1: Yep.\n\nChannel 0: So that'll\n\nChannel 1: Yep.\n\nChannel 0: come down the line, but it's something we definitely need to make sure that we're we're looking at.\n\nChannel 1: Yeah. Yeah. I totally understand that. I appreciate that view because that is definitely the balance that will need to be done. But, yeah, possibly isn't something that needs to be looked at until it's actually done and dusted and up and operational, and\n\nChannel 0: Yeah.\n\nChannel 1: we can see where we're at.\n\nChannel 0: No. Absolutely. So we I'll I'll put it in my calendar for like, we'll touch bay I'll touch base with you in, like, say, the July 2027. Obviously, we're gonna talk before then, but I'm gonna pop it in\n\nChannel 1: Yep.\n\nChannel 0: my calendar now.\n\nChannel 1: Yep.\n\nChannel 0: So that way, it's a it's a, you know, off schedule. We'll touch base so we can talk.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And that way, we're sort of on top of it. We can have a look at where everything sits, what the loan rate, and everything like that looks like at that point. And\n\nChannel 1: Yeah.\n\nChannel 0: we can make sure that if money needs to be put in, we can put the money in and and go from there.\n\nChannel 1: Yeah. Sure. That'd be great.\n\nChannel 0: Yeah. Perfect. Alright. Absolutely fantastic. Well, that's everything.\n\nJust I guess it was from Caden just a, you know, a flag when money pops out, but just\n\nChannel 1: Yeah.\n\nChannel 0: sort of to make sure that we had a strategy, we had an exit strategy, and we can definitely, like, look at how that is gonna sort of work moving forward for you.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: But, yeah, we'll we'll be we'll be able to consider the the SMSF and where it sits as we move forward. Alright?\n\nChannel 1: Yep. And just to remind me, your the your fee is a percentage of my overall balance, isn't it?\n\nChannel 0: Yes. Yeah. Just\n\nChannel 1: Yep.\n\nChannel 0: in the in the hubs hub holding. So the 260,000 out means\n\nChannel 1: Yep.\n\nChannel 0: the fee drops, so\n\nChannel 1: Yep.\n\nChannel 0: that's fine.\n\nChannel 1: Yeah. Full relatives. Yep. Very good.\n\nChannel 0: Yeah. Perfect. Were there any other questions that you may have had for me, Kelly?\n\nChannel 1: No. I think that I think we're good. Thank\n\nChannel 0: Alright.\n\nChannel 1: you.\n\nChannel 0: Perfect.\n\nChannel 1: I've\n\nChannel 0: No\n\nChannel 1: been\n\nChannel 0: stress\n\nChannel 1: happy with\n\nChannel 0: at\n\nChannel 1: you.\n\nChannel 0: all.\n\nChannel 1: I just I just\n\nChannel 0: Opportunity\n\nChannel 1: had a personal view around,\n\nChannel 0: and\n\nChannel 1: yeah, wanting to have\n\nChannel 0: Yeah.\n\nChannel 1: an SMS for property rather than have it all sitting in the one thing given that maybe I'm only, you know, six or eight years or however far away I am from from actually needing the money. So yeah.\n\nChannel 0: Yeah. No. And that's absolutely fine. We can definitely consider that. It's a little hard right now while we're in that transition phase.\n\nChannel 1: Yep.\n\nChannel 0: But once it's all set up, we can definitely delve a little bit deeper into what it really looks like for the long\n\nChannel 1: Yeah.\n\nChannel 0: term.\n\nChannel 1: Yeah. Great. Thanks very much,\n\nChannel 0: Absolutely my pleasure. Sorry. Got the hiccups again for the day.\n\nChannel 1: Oh, Lisa.\n\nChannel 0: Alright. Breathe. Alright. You have a lovely one.\n\nChannel 1: Boo. Thanks very much. See you later.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.07295095920562744},{"text":"Obviously Hello, Terry.","start":2.6666665,"end":7.2,"sentiment":"neutral","sentiment_score":0.11776975045601527},{"text":"I'm just getting a phone call ending from.","start":7.2,"end":9.94,"sentiment":"neutral","sentiment_score":0.09623698052018881}],"sentiment":"neutral","sentiment_score":0.09967967122793198,"channel":1,"num_words":12,"start":0.88,"end":9.94},{"sentences":[{"text":"How are you doing?","start":12.559999,"end":13.36,"sentiment":"neutral","sentiment_score":0.1778530478477478},{"text":"How are you doing, Kelly?","start":13.36,"end":14.58,"sentiment":"neutral","sentiment_score":0.23353614509105683}],"sentiment":"neutral","sentiment_score":0.20878810187180838,"channel":0,"num_words":9,"start":12.559999,"end":14.58},{"sentences":[{"text":"I'm good.","start":15.065,"end":15.384999,"sentiment":"positive","sentiment_score":0.6424727141857147},{"text":"Thank you.","start":15.384999,"end":15.785,"sentiment":"positive","sentiment_score":0.7150744795799255},{"text":"Is this okay?","start":15.785,"end":16.685,"sentiment":"neutral","sentiment_score":0.28781484564145404}],"sentiment":"positive","sentiment_score":0.5112198463508061,"channel":1,"num_words":7,"start":15.065,"end":16.685},{"sentences":[{"text":"Yes.","start":17.395,"end":17.875,"sentiment":"neutral","sentiment_score":0.1456819325685501},{"text":"Yeah.","start":17.875,"end":18.355,"sentiment":"neutral","sentiment_score":0.14104868471622467},{"text":"My name is Larissa.","start":18.355,"end":19.395,"sentiment":"neutral","sentiment_score":0.11237530969083309},{"text":"How are you?","start":19.395,"end":20.455,"sentiment":"neutral","sentiment_score":0.14637064437071481}],"sentiment":"neutral","sentiment_score":0.13059375435113907,"channel":0,"num_words":9,"start":17.395,"end":20.455},{"sentences":[{"text":"It's good, Lorisa.","start":20.585,"end":21.465,"sentiment":"positive","sentiment_score":0.5461753606796265},{"text":"I'm just I'm just going to shut the door and put my earphones in and do all the things.","start":21.465,"end":25.564999,"sentiment":"neutral","sentiment_score":0.09892690064091432}],"sentiment":"neutral","sentiment_score":0.1599153270098296,"channel":1,"num_words":22,"start":20.585,"end":25.564999},{"sentences":[{"text":"You're okay.","start":26.675,"end":27.314999,"sentiment":"neutral","sentiment_score":0.2858884334564209},{"text":"Get yourself set 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Lisa.","start":1113.09,"end":1113.6699,"sentiment":"neutral","sentiment_score":0.2610267922282219}],"sentiment":"neutral","sentiment_score":0.2610267922282219,"channel":1,"num_words":2,"start":1113.09,"end":1113.6699},{"sentences":[{"text":"Alright.","start":1115.7599,"end":1116.24,"sentiment":"neutral","sentiment_score":0.28751882910728455},{"text":"Breathe.","start":1116.24,"end":1116.74,"sentiment":"positive","sentiment_score":0.3535541594028473},{"text":"Alright.","start":1117.9199,"end":1118.24,"sentiment":"positive","sentiment_score":0.4947919249534607},{"text":"You have a lovely one.","start":1118.24,"end":1119.5399,"sentiment":"positive","sentiment_score":0.787004005908966}],"sentiment":"positive","sentiment_score":0.6338606178760529,"channel":0,"num_words":8,"start":1115.7599,"end":1119.5399},{"sentences":[{"text":"Boo.","start":1119.33,"end":1119.6499,"sentiment":"positive","sentiment_score":0.6535015106201172},{"text":"Thanks very much.","start":1119.6499,"end":1120.61,"sentiment":"positive","sentiment_score":0.7909947435061137},{"text":"See you later.","start":1120.61,"end":1121.4299,"sentiment":"positive","sentiment_score":0.5590129295984904}],"sentiment":"positive","sentiment_score":0.671932075704847,"channel":1,"num_words":7,"start":1119.33,"end":1121.4299},{"sentences":[{"text":"Bye.","start":1122.0,"end":1122.5,"sentiment":"neutral","sentiment_score":0.2573850750923157}],"sentiment":"neutral","sentiment_score":0.2573850750923157,"channel":0,"num_words":1,"start":1122.0,"end":1122.5},{"sentences":[{"text":"Bye.","start":1122.61,"end":1123.11,"sentiment":"neutral","sentiment_score":-0.09804258495569228}],"sentiment":"neutral","sentiment_score":-0.09804258495569228,"channel":1,"num_words":1,"start":1122.61,"end":1123.11}]},"summary":{"result":"success","short":"Larissa is concerned about her superann owed account and wants to expand her account. She plans to purchase a property and use it for development and investment, and will provide an account and tax return report. She is interested in finding a property with all superann owed and wants to hedge her bets. The speaker discusses her retirement strategy and exit strategy with respect to her mortgage, and plans to purchase a property and use it for development and investment. They also discuss the need for a strategy to ensure the project is completed and the timeline for development and renters loan. The customer and agent discuss the need for a strategy to ensure the project is completed and the possibility of transferring money from the project to an investment account. The call ends with the customer expressing their satisfaction with the call."},"intents":{"segments":[{"text":"What we can do is basically kind of amalgamate everything and make and change the ownership of your of your Hub twenty four account so that your SMSF owns it. So that way everything's basically run through your SMSF account, if that makes sense. Okay.","start_word":433,"end_word":477,"intents":[{"intent":"Streamline asset ownership","confidence_score":0.00089231186}]},{"text":"Because where are you intending on your contributions from your employer going? Are they gonna go to the SMSF funds and now?","start_word":858,"end_word":879,"intents":[{"intent":"Discussing ssf and asset allocation","confidence_score":0.000001668875}]},{"text":"Because where are you intending on your contributions from your employer going? Are they gonna go to the SMSF funds and now? Yeah.","start_word":858,"end_word":880,"intents":[{"intent":"Discussing smsf benefits","confidence_score":0.00056072377},{"intent":"Discussing contributions from employers","confidence_score":0.0054548527}]},{"text":"And so and I am of the mind that I'm would prefer to be in more control of my money than leaving it in a super fund to be managed. Yep.","start_word":963,"end_word":993,"intents":[{"intent":"Manage money","confidence_score":0.14473654}]},{"text":"But I'm kind of wanting to hedge my bets around having some property with self managed super and the more traditional super fund that you guys support me in in Hub 24.","start_word":993,"end_word":1024,"intents":[{"intent":"Hedge bets","confidence_score":0.47469953}]},{"text":"With the property purchase, have you set like, have you found a property that you're wanting to purchase? Yep.","start_word":1177,"end_word":1195,"intents":[{"intent":"Purchase property","confidence_score":0.033018522}]},{"text":"What's what should your loan term? Are we ten, twenty, thirty years?","start_word":1262,"end_word":1273,"intents":[{"intent":"Check loan term","confidence_score":0.009746015}]},{"text":"what's your what's your, I guess, exit strategy with respect to the mortgage on that property?","start_word":1313,"end_word":1328,"intents":[{"intent":"Discuss property options","confidence_score":0.023338273}]},{"text":"So, yes, that that rose. is still fairly waiting with debt. So it would be probably a cashing of, you know, equalizing where No. I'm at and just just reassessing. Probably I'll probably reassess at 60. That's okay. So the PPR, we're intending on remaining within that property and then reevaluate what it looks like with the investment properties later down the track. Yeah.","start_word":1656,"end_word":1719,"intents":[{"intent":"Evaluate debt","confidence_score":0.04801833}]},{"text":"So can I ask when's the development set to be finalized?","start_word":1963,"end_word":1973,"intents":[{"intent":"Finalize development documents","confidence_score":0.0022212022}]},{"text":"The biggest thing we're gonna have to definitely look at, and it's gonna be something that we probably have to do once the house is built or close to when we have definite solidified you know, obviously, you're on, like, a builder's loan and stuff like Mhmm. that right now.","start_word":2156,"end_word":2205,"intents":[{"intent":"Discuss loan plan","confidence_score":0.010165593}]},{"text":"And that way, we're sort of on top of it. We can have a look at where everything sits, what the loan rate, and everything like that looks like at that point. And Yeah.","start_word":2540,"end_word":2573,"intents":[{"intent":"Discuss loan rate and ssf","confidence_score":0.00035405933}]},{"text":"sort of to make sure that we had a strategy, we had an exit strategy, and we can definitely, like, look at how that is gonna sort of work moving forward for you. Yeah. Thank you.","start_word":2630,"end_word":2665,"intents":[{"intent":"Consider strategy and determine fee percentage","confidence_score":0.0012761629}]},{"text":"Were there any other questions that you may have had for me, Kelly? No.","start_word":2739,"end_word":2752,"intents":[{"intent":"Answer questions","confidence_score":0.27020258}]}]},"sentiments":{"segments":[{"text":"Hi. Obviously Hello, Terry. I'm just getting a phone call ending from. How are you doing? How are you doing, Kelly?","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.14672578871250153},{"text":"I'm good. Thank you.","start_word":21,"end_word":24,"sentiment":"positive","sentiment_score":0.658157467842102},{"text":"Is this okay? Yes. Yeah. My name is Larissa. How are you?","start_word":25,"end_word":36,"sentiment":"neutral","sentiment_score":0.17227286100387573},{"text":"It's good, Lorisa.","start_word":37,"end_word":39,"sentiment":"positive","sentiment_score":0.5433178544044495},{"text":"I'm just I'm just going to shut the door and put my earphones in and do all the things. You're okay. Get yourself set up. How are you? Is it Larissa? Yeah. Yeah. Yes.","start_word":40,"end_word":73,"sentiment":"neutral","sentiment_score":0.1493591070175171},{"text":"I'm really, really well. It's That's basically good.","start_word":74,"end_word":81,"sentiment":"positive","sentiment_score":0.4828397035598755},{"text":"Thursday based on the trajectory of the week. That's true. Yep. You know, one of those fun where you keep turning around and I'm looking at the week and forgetting what day it is. I thought it was Yeah. Tuesday That's today. right. Yeah. So how can I help? Or how So can you help? I think it's probably the question. yeah. It's okay. The the rollout from your super fund and have a chat with you with respect to Yep. where things are at and what's happening. And Yep. and your like, set up a SMS and from what Kayden was saying, intend to properly purchase property? That's correct. Yeah. Are you, like, doing it independently, or have you, like, engaged an accountant to, like, assist you with Yeah. setting All up the the things. SMS? Or Yep. Yep. An accountant, Yep. property manager, all those things. Yeah. Okay. So with with the SMSF fund and, like, your superannuation fund, it means that you have two accounts open, and it it is not that it's a unique situation in any way, shape, or form. It's it's it's it's they're doing two very different things. Mhmm. Now depending on because because your SMSF is intending on purchasing a property, it would have to have a bare trust attached to it with your account which your account would have set up Yep. and would be operating. And then, obviously, you have a cash account through the bank you would obviously choose to bank with that enables Yep.","start_word":82,"end_word":337,"sentiment":"neutral","sentiment_score":0.045336530660279095},{"text":"you to obviously receive money and receive, you know, everything from your from rent, rental income, pay the bills, all that kind of fun stuff.","start_word":338,"end_word":362,"sentiment":"positive","sentiment_score":0.4049833118915558},{"text":"Yep. So I guess the the the biggest question is is that what is the intent long term with SMSF fund? Are you intending on just owning the property with the SMSF account? And, you know, is it something that you wanna look at expanding on so that the SMSF owns more? Because currently, like, your SMSF fund would own the property, but then you personally own your super fund. What we can do is basically kind of amalgamate everything and make and change the ownership of your of your Hub twenty four account so that your SMSF owns it. So that way everything's basically run through your SMSF account, if that makes sense. Okay.","start_word":363,"end_word":477,"sentiment":"neutral","sentiment_score":0.13094227015972135},{"text":"And the benefit of that is just having it all It in means one place.","start_word":478,"end_word":492,"sentiment":"positive","sentiment_score":0.43760788440704346},{"text":"yeah. Reporting wise, it means that, you know, everything's reported through your SMSF fund. It does create a little bit more of a onus on you with reporting from the SMSF perspective, but Hub twenty four take care of all the Hub twenty four holdings. So that's kinda Mhmm.","start_word":493,"end_word":541,"sentiment":"neutral","sentiment_score":0.1458599865436554},{"text":"nice there.","start_word":542,"end_word":543,"sentiment":"positive","sentiment_score":0.40944594144821167},{"text":"But it just means that everything's owned by the same superannuation fund, like, owners ownership structure. It means can I ask with your SMSF fund, are you like, is it you as the sole trustee, or Yes. are there other people within the nope? Just No. you. Just me. Okay. So it it would mean, like, if you ever brought anyone else into the SMSF, you could combine monies in the I future wouldn't as well. though. I wouldn't be. You That's would never?","start_word":544,"end_word":627,"sentiment":"neutral","sentiment_score":-0.03896460682153702},{"text":"not gonna be an No.","start_word":628,"end_word":632,"sentiment":"negative","sentiment_score":-0.3346037268638611},{"text":"option.","start_word":633,"end_word":633,"sentiment":"neutral","sentiment_score":-0.3251457214355469},{"text":"No.","start_word":634,"end_word":634,"sentiment":"negative","sentiment_score":-0.33655020594596863},{"text":"No. That's totally fair. Been down the the pathway of joint funds.","start_word":635,"end_word":646,"sentiment":"neutral","sentiment_score":-0.23794062435626984},{"text":"That's not gonna happen again.","start_word":647,"end_word":651,"sentiment":"negative","sentiment_score":-0.4239886701107025},{"text":"No. Yeah.","start_word":652,"end_word":653,"sentiment":"neutral","sentiment_score":-0.2579771876335144},{"text":"It's a pain, isn't it?","start_word":654,"end_word":658,"sentiment":"negative","sentiment_score":-0.3653751313686371},{"text":"Having to split everything up again is Yep. I'm not like, fun. I'm just gonna run my own boat from now on. Yeah. No. That's okay. Alright. If you're not intending on ever sort of joining forces with another person, it doesn't really change you too much then. Yep. Probably more of a pain than anything. So it can just remain within your name, and we can continue to manage things.","start_word":659,"end_word":729,"sentiment":"neutral","sentiment_score":-0.06536693871021271},{"text":"From an overall perspective, if you wanna keep working with us, we can definitely do so.","start_word":730,"end_word":745,"sentiment":"positive","sentiment_score":0.5102091431617737},{"text":"I think the the biggest, I guess, pain in the neck for you is that when we talk with you each year, we're gonna need reporting from the SMSF perspective to be able to ensure that we're incorporating that from, you know, ensuring that we're meeting where we need to head, you know, that the property and the SMSF side or comp or component is operating well, making sure that, you know, do we need to put money over into the into the SMSF account, or do we need to take money from the SMSF account and invest it within, you know, the hub twenty four environment, you know, type this way. Because where are you intending on your contributions from your employer going? Are they gonna go to the SMSF funds and now? Yeah. I had intended them saying to go to let me think about that with no. I haven't changed that. That was still going to be going into the hub twenty four because for me, this is kind of making sure all my eggs weren't in the one basket. I Yep. wanted to do some property purchases with my super, but when I spoke to one of you guys last year, I was told that that wasn't something that could be done. And so and I am of the mind that I'm would prefer to be in more control of my money than leaving it in a super fund to be managed. Yep. But I'm kind of wanting to hedge my bets around having some property with self managed super and the more traditional super fund that you guys support me in in Hub 24. Okay. Alright. No. That's okay. Yeah. Because I'm We still we going can to need yep. You're right. no.","start_word":746,"end_word":1043,"sentiment":"neutral","sentiment_score":-0.04834881494909325},{"text":"No. No. You keep going.","start_word":1044,"end_word":1048,"sentiment":"negative","sentiment_score":-0.3749233782291413},{"text":"You're still Oh, gonna well, I'm need? well, I'm still if if if they wanna get to 60, if I'm going to wanna draw down on something, I'm still gonna need a cash amount to be able to draw down on that Yep. I, you know, may or may not have with the self managed because, you know, I'm gonna be going health whether trying to get rid of the the debt on the property. And I still need all well, I still need my income protection. Yes. So I'm, you know, still paying to have that happening so that I have the the income protection cover, which No. Absolutely. yeah. So with So the property does purchase, that make have sense? you no. It it definitely does. With the property purchase, have you set like, have you found a property that you're wanting to purchase? Yep. That's already done. Perfect. So you're you're currently going through settlement and Yeah. It's it's a property development. So I'm doing a I've done a deposit and then an advancement of funds that I'm getting a return on while the property is being built. Okay. And once like, with the loan, because you like, unless the property was 260,000, No. which doesn't happen these days. No. What's what should your loan term? Are we ten, twenty, thirty years?","start_word":1049,"end_word":1273,"sentiment":"neutral","sentiment_score":-0.038068559020757675},{"text":"It'll be fading in a bit.","start_word":1274,"end_word":1279,"sentiment":"negative","sentiment_score":-0.3909628689289093},{"text":"Like a yeah. It it's terminal with anything. Okay. And once that thirty years is up, like because you're 50 Oh, we three did? Yep. this year. No. 53 this year. So Yep. what's your what's your, I guess, exit strategy with respect to the mortgage on that property? Because, like, I know that you have your you have your PPR or your your primary place of residence, Yep. and you have some decent equity within that property at Yep. last value. Yep. So what what sort of, I guess, the the angle that you're wanting to look at with some with, That would be like, like your a retirement ten year exit strategy? it would be a ten year sell off probably, I guess, if that's what is needed to be happen. So, like, maybe, you know, getting closer to my the time that I can access fully my super, which would Okay. be sixty five, I suppose. So I mean, it roughly could be ten sixty years. depending on what you wanted to do, but, yeah, Yeah. like, 6065 is is no no restrictions is what we are ten years. Yes. That is what To me, the that's eight sixty the worst five case gives scenario, you. but Yeah. '65 is not worst case scenario. But that's a I mean, that's a reasonable time period for a return, I think. Okay. No. There. Alright. So the intention is to, like, purchase build a property through development, hold for Yep. ten years, and then sell that investment off, re I guess, rediversify into sort of, I guess, shares or other holdings and then have a drawdown strategy from there. Yep. Okay. No. That's okay. Alright. So with with the PPR, are you intending on remaining in that property long term? Because I I think Look. we still have about 600,000 owing on that. On the personal Yeah. On your on investment your on your property. home. No. I'm a Yeah. home. On your I haven't yeah. got anything mortgage on my home, and I've got another investment property that I own privately. I think it's not outside of the super fund. Oh, sorry. Yes. You do. Sorry. I've crossed my crossed my Yeah. That's okay. So, yes, that that rose.","start_word":1280,"end_word":1660,"sentiment":"neutral","sentiment_score":-0.01688695571377991},{"text":"is still fairly waiting with debt.","start_word":1661,"end_word":1666,"sentiment":"negative","sentiment_score":-0.4085504114627838},{"text":"So it would be probably a cashing of, you know, equalizing where No.","start_word":1667,"end_word":1679,"sentiment":"neutral","sentiment_score":-0.18636438250541687},{"text":"I'm at and just just reassessing.","start_word":1680,"end_word":1685,"sentiment":"negative","sentiment_score":-0.3790982663631439},{"text":"Probably I'll probably reassess at 60. That's okay. So the PPR, we're intending on remaining within that property and then reevaluate what it looks like with the investment properties later down the track. Yeah. I reckon. Okay.","start_word":1686,"end_word":1722,"sentiment":"neutral","sentiment_score":0.03593823313713074},{"text":"Alright. So it's it's definitely definitely achievable.","start_word":1723,"end_word":1729,"sentiment":"positive","sentiment_score":0.6002801060676575},{"text":"Each year when we speak, would you be willing to, I guess, provide us with the the account and tax return report for the SMSF? Like, so there'll be, like, a a court audit, sorry, audit and tax return for the SMSF. Yep. So that way we can take that in into consideration when we're talking with you each year about, you know, all the values of this, and this is sitting here, Your your, you know, your Hub twenty four fund's doing this. So, you know, if we're looking down, you know, five, ten years time, this is where we're on track for drawdown, and we can we can really strategize and make sure that we are on track with everything. Because Yeah.","start_word":1730,"end_word":1853,"sentiment":"neutral","sentiment_score":0.17727342247962952},{"text":"if we're missing half the picture from the SMSF fund, it obviously puts a hand behind our and therefore your back because we're Yep. not gonna be able to adequately be able to work with you.","start_word":1854,"end_word":1889,"sentiment":"negative","sentiment_score":-0.4515081346035004},{"text":"But if you're happy to send us the the audit report statement and and tax return, then, you know, we can definitely continue to to help work with you and make sure that everything's sitting kosher.","start_word":1890,"end_word":1925,"sentiment":"positive","sentiment_score":0.6695789694786072},{"text":"Yeah. I can't say why I wouldn't I can't say why I would object to that. You've gotta have you know, it's helpful here to have a full picture around all my strategies. No.","start_word":1926,"end_word":1959,"sentiment":"neutral","sentiment_score":-0.03731362521648407},{"text":"Perfect.","start_word":1960,"end_word":1960,"sentiment":"positive","sentiment_score":0.3923697769641876},{"text":"Alright.","start_word":1961,"end_word":1961,"sentiment":"neutral","sentiment_score":0.32549619674682617},{"text":"Cool.","start_word":1962,"end_word":1962,"sentiment":"positive","sentiment_score":0.4960014522075653},{"text":"So can I ask when's the development set to be finalized? When's it on track for? Third quarter twenty seven, I think it '27. So quarter. Okay. So it's still sort of a a year and a half away. Year and is. Yep. yeah. Year and a half. Okay. No. That's okay. And then do they help get renters in? Or Yeah. Yep. yeah. Cool. No.","start_word":1963,"end_word":2028,"sentiment":"neutral","sentiment_score":0.04259049892425537},{"text":"Perfect. So that'll be good.","start_word":2029,"end_word":2033,"sentiment":"positive","sentiment_score":0.5736372470855713},{"text":"It it takes that pressure off you, and and Yeah. and they do they have a estimated, like, rental outcome for it already? I believe they did. Can't quite recall. I think it was, like, 600. So I can get another one at the same time. Yeah. Was it a $5.50 or $6.50? 1 or 2. That means which which one is it now? No. That's okay. So $5.50 or $6.50. That's okay. Per week in income. And then what what's the loan that you're going to end up with after everything's built and done? I think it worked out to be about $404.04 Okay. 20, I think it might have been. That's not too bad. We're not leveraged crazily. Okay. The biggest thing we're gonna have to definitely look at, and it's gonna be something that we probably have to do once the house is built or close to when we have definite solidified you know, obviously, you're on, like, a builder's loan and stuff like Mhmm. that right now. Yeah. But Yeah. once Yeah. everything's done and dusted, we'll definitely need to look at the SMSF account. We can have that conversation, then obviously, we're gonna still talk between now and then, but we can have that Yep. conversation really solidly to make sure that we have the cash available within the SMSF to service the bills that are required, Yep. have a look at, you know, at the time that the loan you know, everything's built and what our how final outcome of our loan is, what our variable rate is, where our repayments are, the money coming in, the money going out to make Mhmm. sure, well, do we need to split your contributions? Do we have do we need some of the money going over to the SMSF fund? Do we need to sort of look at transferring money each quarter to make sure that we are servicing and paying the bills that we need to pay? Yeah. What does Yep. it look That's like? right. Or or is the SMSF operating at a positive Yep. where we can take money out of that and put it over into, like, the Uh-huh. investment account? Yep. So that'll Yep. come down the line, but it's something we definitely need to make sure that we're we're looking at. Yeah. Yeah. I totally understand that. I appreciate that view because that is definitely the balance that will need to be done. But, yeah, possibly isn't something that needs to be looked at until it's actually done and dusted and up and operational, and Yeah. we can see where we're at. No. Absolutely. So we I'll I'll put it in my calendar for like, we'll touch bay I'll touch base with you in, like, say, the July 2027. Obviously, we're gonna talk before then, but I'm gonna pop it in Yep. my calendar now. Yep. So that way, it's a it's a, you know, off schedule. We'll touch base so we can talk. Yeah. Yep. And that way, we're sort of on top of it. We can have a look at where everything sits, what the loan rate, and everything like that looks like at that point. And Yeah. we can make sure that if money needs to be put in, we can put the money in and and go from there. Yeah. Sure.","start_word":2034,"end_word":2598,"sentiment":"neutral","sentiment_score":0.04539122203018813},{"text":"That'd be great. Yeah. Perfect. Alright. Absolutely fantastic.","start_word":2599,"end_word":2606,"sentiment":"positive","sentiment_score":0.48684316873550415},{"text":"Well, that's everything. Just I guess it was from Caden just a, you know, a flag when money pops out, but just Yeah. sort of to make sure that we had a strategy, we had an exit strategy, and we can definitely, like, look at how that is gonna sort of work moving forward for you. Yeah.","start_word":2607,"end_word":2663,"sentiment":"neutral","sentiment_score":0.16473782062530518},{"text":"Thank you.","start_word":2664,"end_word":2665,"sentiment":"positive","sentiment_score":0.34837695956230164},{"text":"But, yeah, we'll we'll be we'll be able to consider the the SMSF and where it sits as we move forward. Alright? Yep. And just to remind me, your the your fee is a percentage of my overall balance, isn't it? Yes. Yeah. Just Yep. in the in the hubs hub holding. So the 260,000 out means Yep. the fee drops, so Yep. that's fine. Yeah. Full relatives. Yep.","start_word":2666,"end_word":2734,"sentiment":"neutral","sentiment_score":0.10379891097545624},{"text":"Very good. Yeah. Perfect.","start_word":2735,"end_word":2738,"sentiment":"positive","sentiment_score":0.5759903788566589},{"text":"Were there any other questions that you may have had for me, Kelly? No.","start_word":2739,"end_word":2752,"sentiment":"neutral","sentiment_score":0.2458341121673584},{"text":"I think that I think we're good. Thank Alright. you. Perfect. I've No been stress happy with at you.","start_word":2753,"end_word":2771,"sentiment":"positive","sentiment_score":0.42537060379981995},{"text":"all. I just I just Opportunity had a personal view around, and yeah, wanting to have Yeah. an SMS for property rather than have it all sitting in the one thing given that maybe I'm only, you know, six or eight years or however far away I am from from actually needing the money. So yeah. Yeah. No. And that's absolutely fine. We can definitely consider that. It's a little hard right now while we're in that transition phase. Yep. But once it's all set up, we can definitely delve a little bit deeper into what it really looks like for the long Yeah. term. Yeah.","start_word":2772,"end_word":2877,"sentiment":"neutral","sentiment_score":0.06498679539786195},{"text":"Great. Thanks very much, Absolutely my pleasure.","start_word":2878,"end_word":2884,"sentiment":"positive","sentiment_score":0.7675532698631287},{"text":"Sorry. Got the hiccups again for the day. Oh, Lisa. Alright.","start_word":2885,"end_word":2895,"sentiment":"neutral","sentiment_score":0.1068585142493248},{"text":"Breathe. Alright. You have a lovely one. Boo. Thanks very much. See you later.","start_word":2896,"end_word":2909,"sentiment":"positive","sentiment_score":0.6293554306030273},{"text":"Bye. Bye.","start_word":2910,"end_word":2911,"sentiment":"neutral","sentiment_score":0.2230369746685028}],"average":{"sentiment":"neutral","sentiment_score":0.05058470566495305}}}}