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I was just saying today, I've got my little one who's now the middle child. He's he should be getting a cast off his leg this afternoon for a bit of a broken leg. He said, oh, you've had a baby. Let's go break the leg. So that's what we've had for the last month or so. Hello? Oh, no. Yeah. That's a big one. Jeez. Yeah. Mate, fantastic. I think I've kind of lucked out for an easy one for number three. Kinda got blessed there and said, oh, look. You've you've had all the fun stuff with the first two. Let's give you an easy one to close out the family. So, yeah, Bob's going great. We actually just came back from North Queensland because we had my mother in law's sixtieth and took the whole family. Baby didn't cry once on the plane there or back, and Felix is pretty good with his broken leg. Just wheel chairing around the airport there. So, no, it's been fantastic. Awesome. And how have you been going with all this stuff? I've just looked through all the emails, and looks like you're you're having a fun time at the moment. Yeah. It's been averaging around alright given enough time. Yeah. Yeah. Yeah. Oh, jeez. Yeah. Yeah. And it ties into the repay system to to get you moving towards all those common goals. And if one thing doesn't line up, it kinda helps it fall down a little bit. Yeah. Yeah. Yeah. Yeah. Yep. I get you. Yeah. Yeah. You're almost missing a good $50.60 grand there over a couple of years, potentially. Yeah. Yeah. Mhmm. Yeah. And I've had people that keep cash yeah. I've had people keep cash deposits for six, nine, worst case scenario, twelve months, and and that's a bit of a risk just to have funds sitting there idle for for almost a year kind of thing. And when you get up to the two two plus year mark, you know, if you factor that into a projection or something like that, the the missed out returns there is a bit rough. So I think the idle funds is definitely an issue to to be resolved. One of the things that, like, when I do my SMSF setups, I'm assuming 2.75%, that's Macquarie, isn't it? Yep. Yeah. So this is what's been missed. When I look at the so the spread is when I normally do the setups for these strategies, you put the the amount in cash that you need for the property, and you usually link it up with, like, a wrap investment account, possibly with Macquarie too, which is identical to your hub. And then you just get all the excess funds invested into your normal portfolio alongside the cash account, and you can move it between the two accounts is usually the way to go. There are other options there as well. So Macquarie do have a similar thing to the to CBA. They've got an accelerator account, which is 4.65. You've got standard term deposits with ANZ, which are over 5%. You've got credit funds like Latrobe, which are almost 7%. So there's plenty of places to park the cash. You don't wanna be swinging into something high risk if you're gonna need the funds again in one or two years because, again, if you have that big drop, it's not gonna be there. But there's little steps up in a low risk environment where you can go from the two to the four to the five to the six. So there's places for it. Yeah. Adjust the plan a little bit. Yeah. Well, that should be the the simple answer, like, without doing anything too crazy is there's accounts to to bump up the interest a little bit at the very least without risking anything too crazy. Again, you can move between different products and platforms and accounts, but you probably don't wanna be swinging large sums of money back to Hub to invest it for two years and then try and swing it back in time for settlement. But, yeah, at the very least, getting a bit extra interest in there would be nice. And I'll be interested to see what they they come back with because it's it should be a pretty easy idea. Yeah. Yeah. Exactly. Right. So and those two options are either you can swing it back to any other type of account or you just attach one within the SMSF like a wrap internally that can invest in all the same things. And then like you said, you pull out a 100 or 200 into that, and then it's just a matter of look. You may have to sell down a small portion of top it up if the contributions don't get you there. But most of the time, you just need to make sure that funds are available, you know, five to seven days before settlement so that, you know, once lending's approved, the funds just needed to be available to transfer within that sort of week or two beforehand. And if you've got a settlement date so far in advance, you've got heaps of wiggle room to just move funds around for three, six, twelve months at a time. Yeah. And what happens is the line is pulled over in between. And, yeah, it's not like someone's got any data saying that, you know, what proportion of their client base have all these property settlements pushed out twelve, twenty four months at a time versus how many kind of immediate settlement. Because like you said, some people have jumped in low stress, settled on something straight away from an equity release. It'd be interesting to know how how often that actually happens. Is is it just a one off because the property is so good, or is that just a common practice? That's alright. I've gotta duck off in a few minutes anyway. Yeah. Yeah. Yeah. Yeah. I'm having a look now. I do have some time after 03:00, so that shouldn't be a problem. And we do have some meeting rooms available as well. Yeah. I'll send an email to them right now. I'm just writing it up. That should be all sweet. And I won't include it in the email, but if you do come down, it would be a good idea for us to kind of just remap out on the whiteboard like we did previously. Now with the SMSF and the properties and everything, just remap out the assets and goals and everything. And that way, I can keep a nice snapshot on file, and then we know all the moving parts to keep an eye on. Yeah. Cool. Yeah. So contributions are going to SMSF. We'll talk about the insurances, see how the hub portfolio is tracking properties and SMSF property. And then, yeah, that's why I like to get a nice little flowchart going with everything, keep that on file, and then whenever each section pops up, we can just update the strategy after that. Cool. Well, I've locked in Monday, 3PM on the seventh, so that's all good. Let me know how you go with the the cash management account interest rates and everything, and I'll I'll keep an eye on my emails for next week. No worries, Carl. And one quick thing before you go, mate. Just want you to quickly just confirm security with me. I'm just we're training some new advisers in to make sure I do all of the security process for your information, and then good to go. Yes. It is My my my my senior adviser sorry. My head of adviser is looking at me saying, like, what have you done? Yes. Normally at the start, but I just have such a good fun talking to you. Oh, mate. If I could just grab date of birth and address. Perfect. And as always, mate, calls are recorded for training and quality purposes, and I very much look forward to catching up with you soon. Have a good weekend, Carl. 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tell me here, mate. How are you doing? That's no worries at all. I can hear you pretty well. Can you hear me alright?\n\nMate, living the dream. I was just saying today, I've got my little one who's now the middle child. He's he should be getting a cast off his leg this afternoon for a bit of a broken leg. He said, oh, you've had a baby. Let's go break the leg.\n\nSo that's what we've had for the last month or so. Hello? Oh, no. Yeah. That's a big one.\n\nJeez. Yeah. Mate, fantastic. I think I've kind of lucked out for an easy one for number three. Kinda got blessed there and said, oh, look.\n\nYou've you've had all the fun stuff with the first two. Let's give you an easy one to close out the family. So, yeah, Bob's going great. We actually just came back from North Queensland because we had my mother in law's sixtieth and took the whole family. Baby didn't cry once on the plane there or back, and Felix is pretty good with his broken leg.\n\nJust wheel chairing around the airport there. So, no, it's been fantastic. Awesome. And how have you been going with all this stuff? I've just looked through all the emails, and looks like you're you're having a fun time at the moment.\n\nYeah. It's been averaging around alright given enough time. Yeah. Yeah. Yeah.\n\nOh, jeez. Yeah. Yeah. And it ties into the repay system to to get you moving towards all those common goals. And if one thing doesn't line up, it kinda helps it fall down a little bit.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nI get you. Yeah. Yeah. You're almost missing a good $50.60 grand there over a couple of years, potentially. Yeah.\n\nYeah. Mhmm. Yeah. And I've had people that keep cash yeah. I've had people keep cash deposits for six, nine, worst case scenario, twelve months, and and that's a bit of a risk just to have funds sitting there idle for for almost a year kind of thing.\n\nAnd when you get up to the two two plus year mark, you know, if you factor that into a projection or something like that, the the missed out returns there is a bit rough. So I think the idle funds is definitely an issue to to be resolved. One of the things that, like, when I do my SMSF setups, I'm assuming 2.75%, that's Macquarie, isn't it? Yep. Yeah.\n\nSo this is what's been missed. When I look at the so the spread is when I normally do the setups for these strategies, you put the the amount in cash that you need for the property, and you usually link it up with, like, a wrap investment account, possibly with Macquarie too, which is identical to your hub. And then you just get all the excess funds invested into your normal portfolio alongside the cash account, and you can move it between the two accounts is usually the way to go. There are other options there as well. So Macquarie do have a similar thing to the to CBA.\n\nThey've got an accelerator account, which is 4.65. You've got standard term deposits with ANZ, which are over 5%. You've got credit funds like Latrobe, which are almost 7%. So there's plenty of places to park the cash. You don't wanna be swinging into something high risk if you're gonna need the funds again in one or two years because, again, if you have that big drop, it's not gonna be there.\n\nBut there's little steps up in a low risk environment where you can go from the two to the four to the five to the six. So there's places for it. Yeah. Adjust the plan a little bit. Yeah.\n\nWell, that should be the the simple answer, like, without doing anything too crazy is there's accounts to to bump up the interest a little bit at the very least without risking anything too crazy. Again, you can move between different products and platforms and accounts, but you probably don't wanna be swinging large sums of money back to Hub to invest it for two years and then try and swing it back in time for settlement. But, yeah, at the very least, getting a bit extra interest in there would be nice. And I'll be interested to see what they they come back with because it's it should be a pretty easy idea. Yeah.\n\nYeah. Exactly. Right. So and those two options are either you can swing it back to any other type of account or you just attach one within the SMSF like a wrap internally that can invest in all the same things. And then like you said, you pull out a 100 or 200 into that, and then it's just a matter of look.\n\nYou may have to sell down a small portion of top it up if the contributions don't get you there. But most of the time, you just need to make sure that funds are available, you know, five to seven days before settlement so that, you know, once lending's approved, the funds just needed to be available to transfer within that sort of week or two beforehand. And if you've got a settlement date so far in advance, you've got heaps of wiggle room to just move funds around for three, six, twelve months at a time. Yeah. And what happens is the line is pulled over in between.\n\nAnd, yeah, it's not like someone's got any data saying that, you know, what proportion of their client base have all these property settlements pushed out twelve, twenty four months at a time versus how many kind of immediate settlement. Because like you said, some people have jumped in low stress, settled on something straight away from an equity release. It'd be interesting to know how how often that actually happens. Is is it just a one off because the property is so good, or is that just a common practice? That's alright.\n\nI've gotta duck off in a few minutes anyway. Yeah. Yeah. Yeah. Yeah.\n\nI'm having a look now. I do have some time after 03:00, so that shouldn't be a problem. And we do have some meeting rooms available as well. Yeah. I'll send an email to them right now.\n\nI'm just writing it up. That should be all sweet. And I won't include it in the email, but if you do come down, it would be a good idea for us to kind of just remap out on the whiteboard like we did previously. Now with the SMSF and the properties and everything, just remap out the assets and goals and everything. And that way, I can keep a nice snapshot on file, and then we know all the moving parts to keep an eye on.\n\nYeah. Cool. Yeah. So contributions are going to SMSF. We'll talk about the insurances, see how the hub portfolio is tracking properties and SMSF property.\n\nAnd then, yeah, that's why I like to get a nice little flowchart going with everything, keep that on file, and then whenever each section pops up, we can just update the strategy after that. Cool. Well, I've locked in Monday, 3PM on the seventh, so that's all good. Let me know how you go with the the cash management account interest rates and everything, and I'll I'll keep an eye on my emails for next week. No worries, Carl.\n\nAnd one quick thing before you go, mate. Just want you to quickly just confirm security with me. I'm just we're training some new advisers in to make sure I do all of the security process for your information, and then good to go. Yes. It is My my my my senior adviser sorry.\n\nMy head of adviser is looking at me saying, like, what have you done? Yes. Normally at the start, but I just have such a good fun talking to you. Oh, mate. If I could just grab date of birth and address.\n\nPerfect. And as always, mate, calls are recorded for training and quality purposes, and I very much look forward to catching up with you soon. Have a good weekend, Carl. Bye.","paragraphs":[{"sentences":[{"text":"Kyle, tell me here, mate.","start":3.1999998,"end":4.4,"sentiment":"neutral","sentiment_score":0.09130528569221497},{"text":"How are you doing?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.20987464115023613},{"text":"That's no worries at all.","start":16.055,"end":17.175001,"sentiment":"neutral","sentiment_score":0.2196694016456604},{"text":"I can hear you pretty well.","start":17.175001,"end":18.535,"sentiment":"neutral","sentiment_score":0.16884256651004156},{"text":"Can you hear me alright?","start":18.535,"end":19.675,"sentiment":"neutral","sentiment_score":0.037611421570181845}],"sentiment":"neutral","sentiment_score":0.1438193803280592,"num_words":25,"start":3.1999998,"end":19.675},{"sentences":[{"text":"Mate, living the dream.","start":23.335,"end":24.555,"sentiment":"positive","sentiment_score":0.36282117664813995},{"text":"I was just saying today, I've got my little one who's now the middle child.","start":25.175,"end":29.415,"sentiment":"neutral","sentiment_score":0.00833983876897643},{"text":"He's he should be getting a cast off his leg this afternoon for a bit of a broken leg.","start":29.415,"end":34.190002,"sentiment":"neutral","sentiment_score":-0.04684578284229103},{"text":"He said, oh, you've had a baby.","start":34.190002,"end":35.39,"sentiment":"neutral","sentiment_score":-0.020964985181178366},{"text":"Let's go break the leg.","start":35.39,"end":36.690002,"sentiment":"neutral","sentiment_score":-0.03290601558983326}],"sentiment":"neutral","sentiment_score":0.007500548798125237,"num_words":50,"start":23.335,"end":36.690002},{"sentences":[{"text":"So that's what we've had for the last month or so.","start":36.83,"end":39.73,"sentiment":"neutral","sentiment_score":0.0005462193848043997},{"text":"Hello?","start":50.925,"end":51.425,"sentiment":"neutral","sentiment_score":0.012463865801692007},{"text":"Oh, no.","start":63.9675,"end":72.755005,"sentiment":"neutral","sentiment_score":-0.06794162653386593},{"text":"Yeah.","start":72.755005,"end":73.075005,"sentiment":"neutral","sentiment_score":-0.022967353463172913},{"text":"That's a big one.","start":73.075005,"end":73.875,"sentiment":"neutral","sentiment_score":0.012781800702214241}],"sentiment":"neutral","sentiment_score":-0.0046974276151319685,"num_words":19,"start":36.83,"end":73.875},{"sentences":[{"text":"Jeez.","start":73.875,"end":74.375,"sentiment":"neutral","sentiment_score":0.051259856671094894},{"text":"Yeah.","start":79.635,"end":80.135,"sentiment":"neutral","sentiment_score":0.13932301104068756},{"text":"Mate, fantastic.","start":80.195,"end":81.095,"sentiment":"positive","sentiment_score":0.4217897951602936},{"text":"I think I've kind of lucked out for an easy one for number three.","start":81.235,"end":84.375,"sentiment":"neutral","sentiment_score":0.16610961726733617},{"text":"Kinda got blessed there and said, oh, look.","start":84.915,"end":86.835,"sentiment":"neutral","sentiment_score":0.26684259809553623}],"sentiment":"neutral","sentiment_score":0.21132453402074483,"num_words":26,"start":73.875,"end":86.835},{"sentences":[{"text":"You've you've had all the fun stuff with the first two.","start":86.835,"end":88.99,"sentiment":"positive","sentiment_score":0.40424361012198706},{"text":"Let's give you an easy one to close out the family.","start":88.99,"end":91.31,"sentiment":"neutral","sentiment_score":0.2652378285473043},{"text":"So, yeah, Bob's going great.","start":91.31,"end":93.01,"sentiment":"positive","sentiment_score":0.38932048678398135},{"text":"We actually just came back from North Queensland because we had my mother in law's sixtieth and took the whole family.","start":96.03,"end":104.165,"sentiment":"neutral","sentiment_score":0.21135046297595614},{"text":"Baby didn't cry once on the plane there or back, and Felix is pretty good with his broken leg.","start":104.165,"end":109.285,"sentiment":"neutral","sentiment_score":0.06431858437625985}],"sentiment":"neutral","sentiment_score":0.22345240425262877,"num_words":67,"start":86.835,"end":109.285},{"sentences":[{"text":"Just wheel chairing around the airport there.","start":109.285,"end":111.125,"sentiment":"neutral","sentiment_score":0.17917692874159133},{"text":"So, no, it's been fantastic.","start":111.125,"end":112.425,"sentiment":"positive","sentiment_score":0.6349042177200317},{"text":"Awesome.","start":115.9,"end":116.14,"sentiment":"positive","sentiment_score":0.6886875629425049},{"text":"And how have you been going with all this stuff?","start":116.14,"end":117.659996,"sentiment":"neutral","sentiment_score":0.25656010806560514},{"text":"I've just looked through all the emails, and looks like you're you're having a fun time at the moment.","start":117.659996,"end":123.119995,"sentiment":"positive","sentiment_score":0.43430980098874944}],"sentiment":"positive","sentiment_score":0.37940320124228794,"num_words":42,"start":109.285,"end":123.119995},{"sentences":[{"text":"Yeah.","start":156.985,"end":157.485,"sentiment":"neutral","sentiment_score":-0.03020120970904827},{"text":"It's been averaging around alright given enough time.","start":170.6,"end":174.06,"sentiment":"neutral","sentiment_score":0.07368437084369361},{"text":"Yeah.","start":200.39,"end":200.745,"sentiment":"neutral","sentiment_score":0.023312369361519817},{"text":"Yeah.","start":221.31999,"end":221.56,"sentiment":"neutral","sentiment_score":0.01952970027923584},{"text":"Yeah.","start":221.56,"end":222.06,"sentiment":"neutral","sentiment_score":0.0169221181422472}],"sentiment":"neutral","sentiment_score":0.05158649540195862,"num_words":12,"start":156.985,"end":222.06},{"sentences":[{"text":"Oh, jeez.","start":262.88498,"end":263.49,"sentiment":"neutral","sentiment_score":-0.07107347249984741},{"text":"Yeah.","start":292.96,"end":293.46,"sentiment":"neutral","sentiment_score":-0.10977150499820708},{"text":"Yeah.","start":310.095,"end":310.415,"sentiment":"neutral","sentiment_score":0.08940136432647705},{"text":"And it ties into the repay system to to get you moving towards all those common goals.","start":310.415,"end":316.28998,"sentiment":"neutral","sentiment_score":0.24512217369149714},{"text":"And if one thing doesn't line up, it kinda helps it fall down a little bit.","start":316.50998,"end":320.37,"sentiment":"neutral","sentiment_score":-0.2965032774955034}],"sentiment":"neutral","sentiment_score":-0.01998628575254131,"num_words":37,"start":262.88498,"end":320.37},{"sentences":[{"text":"Yeah.","start":354.315,"end":354.815,"sentiment":"neutral","sentiment_score":-0.17537902295589447},{"text":"Yeah.","start":370.09,"end":370.59,"sentiment":"neutral","sentiment_score":0.1955859363079071},{"text":"Yeah.","start":396.44,"end":396.795,"sentiment":"neutral","sentiment_score":0.11516936123371124},{"text":"Yeah.","start":445.0,"end":445.32,"sentiment":"neutral","sentiment_score":-0.018069706857204437},{"text":"Yep.","start":445.32,"end":445.72,"sentiment":"neutral","sentiment_score":-0.0015173815190792084}],"sentiment":"neutral","sentiment_score":0.023157837241888045,"num_words":5,"start":354.315,"end":445.72},{"sentences":[{"text":"I get you.","start":445.72,"end":446.295,"sentiment":"neutral","sentiment_score":0.01644415594637394},{"text":"Yeah.","start":494.26,"end":494.565,"sentiment":"neutral","sentiment_score":0.11293425410985948},{"text":"Yeah.","start":545.25,"end":545.355,"sentiment":"neutral","sentiment_score":-0.004355568438768387},{"text":"You're almost missing a good $50.60 grand there over a couple of years, potentially.","start":545.51495,"end":549.295,"sentiment":"neutral","sentiment_score":-0.15863305117402757},{"text":"Yeah.","start":558.07495,"end":558.51,"sentiment":"neutral","sentiment_score":0.020470082759857178}],"sentiment":"neutral","sentiment_score":-0.1021240740083158,"num_words":20,"start":445.72,"end":558.51},{"sentences":[{"text":"Yeah.","start":584.765,"end":585.12,"sentiment":"neutral","sentiment_score":-0.128995880484581},{"text":"Mhmm.","start":597.92,"end":598.42,"sentiment":"neutral","sentiment_score":-0.10442040860652924},{"text":"Yeah.","start":608.465,"end":608.78503,"sentiment":"neutral","sentiment_score":-0.156233012676239},{"text":"And I've had people that keep cash yeah.","start":608.78503,"end":613.105,"sentiment":"negative","sentiment_score":-0.4464546721428633},{"text":"I've had people keep cash deposits for six, nine, worst case scenario, twelve months, and and that's a bit of a risk just to have funds sitting there idle for for almost a year kind of thing.","start":613.105,"end":625.54004,"sentiment":"negative","sentiment_score":-0.3718840959104332}],"sentiment":"negative","sentiment_score":-0.36918746307492256,"num_words":48,"start":584.765,"end":625.54004},{"sentences":[{"text":"And when you get up to the two two plus year mark, you know, if you factor that into a projection or something like that, the the missed out returns there is a bit rough.","start":625.54004,"end":635.155,"sentiment":"negative","sentiment_score":-0.3908001720905304},{"text":"So I think the idle funds is definitely an issue to to be resolved.","start":636.015,"end":639.635,"sentiment":"negative","sentiment_score":-0.47930531203746796},{"text":"One of the things that, like, when I do my SMSF setups, I'm assuming 2.75%, that's Macquarie, isn't it?","start":641.295,"end":648.76996,"sentiment":"neutral","sentiment_score":-0.03044646194106654},{"text":"Yep.","start":652.18994,"end":652.68994,"sentiment":"neutral","sentiment_score":0.13884377479553223},{"text":"Yeah.","start":680.38,"end":680.62,"sentiment":"neutral","sentiment_score":0.00925428420305252}],"sentiment":"neutral","sentiment_score":-0.29740950156535423,"num_words":70,"start":625.54004,"end":680.62},{"sentences":[{"text":"So this is what's been missed.","start":680.62,"end":683.475,"sentiment":"neutral","sentiment_score":-0.012187325473253926},{"text":"When I look at the so the spread is when I normally do the setups for these strategies, you put the the amount in cash that you need for the property, and you usually link it up with, like, a wrap investment account, possibly with Macquarie too, which is identical to your hub.","start":684.435,"end":699.15,"sentiment":"neutral","sentiment_score":0.11018170057883803},{"text":"And then you just get all the excess funds invested into your normal portfolio alongside the cash account, and you can move it between the two accounts is usually the way to go.","start":699.31,"end":709.09,"sentiment":"neutral","sentiment_score":0.1622232816210299},{"text":"There are other options there as well.","start":709.95,"end":711.47003,"sentiment":"neutral","sentiment_score":0.19268068139042174},{"text":"So Macquarie do have a similar thing to the to CBA.","start":711.47003,"end":715.505,"sentiment":"neutral","sentiment_score":0.17963530394163998}],"sentiment":"neutral","sentiment_score":0.13131479622203518,"num_words":110,"start":680.62,"end":715.505},{"sentences":[{"text":"They've got an accelerator account, which is 4.65.","start":715.505,"end":718.565,"sentiment":"neutral","sentiment_score":0.16644902806729078},{"text":"You've got standard term deposits with ANZ, which are over 5%.","start":719.825,"end":723.905,"sentiment":"neutral","sentiment_score":0.1609851602803577},{"text":"You've got credit funds like Latrobe, which are almost 7%.","start":723.905,"end":727.28503,"sentiment":"positive","sentiment_score":0.3637917071580887},{"text":"So there's plenty of places to park the cash.","start":727.38,"end":729.3,"sentiment":"positive","sentiment_score":0.4534122612741258},{"text":"You don't wanna be swinging into something high risk if you're gonna need the funds again in one or two years because, again, if you have that big drop, it's not gonna be there.","start":729.3,"end":737.78,"sentiment":"neutral","sentiment_score":-0.2341371156165705}],"sentiment":"neutral","sentiment_score":0.03972770110704005,"num_words":72,"start":715.505,"end":737.78},{"sentences":[{"text":"But there's little steps up in a low risk environment where you can go from the two to the four to the five to the six.","start":737.78,"end":744.085,"sentiment":"neutral","sentiment_score":0.1654097642749548},{"text":"So there's places for it.","start":744.945,"end":746.565,"sentiment":"positive","sentiment_score":0.336897149682045},{"text":"Yeah.","start":782.82996,"end":783.07,"sentiment":"neutral","sentiment_score":0.010678578168153765},{"text":"Adjust the plan a little bit.","start":783.07,"end":784.76996,"sentiment":"neutral","sentiment_score":-0.040803747872511544},{"text":"Yeah.","start":791.63,"end":791.87,"sentiment":"neutral","sentiment_score":0.17356149852275848}],"sentiment":"neutral","sentiment_score":0.15191172330807418,"num_words":39,"start":737.78,"end":791.87},{"sentences":[{"text":"Well, that should be the the simple answer, like, without doing anything too crazy is there's accounts to to bump up the interest a little bit at the very least without risking anything too crazy.","start":791.87,"end":802.855,"sentiment":"neutral","sentiment_score":0.14936129088912692},{"text":"Again, you can move between different products and platforms and accounts, but you probably don't wanna be swinging large sums of money back to Hub to invest it for two years and then try and swing it back in time for settlement.","start":803.475,"end":813.38995,"sentiment":"neutral","sentiment_score":0.10513597265595481},{"text":"But, yeah, at the very least, getting a bit extra interest in there would be nice.","start":814.01,"end":817.94995,"sentiment":"positive","sentiment_score":0.4798727538436651},{"text":"And I'll be interested to see what they they come back with because it's it should be a pretty easy idea.","start":818.08997,"end":822.99,"sentiment":"positive","sentiment_score":0.5317811337964875},{"text":"Yeah.","start":843.88,"end":844.38,"sentiment":"neutral","sentiment_score":-0.0816635861992836}],"sentiment":"neutral","sentiment_score":0.2470179158060447,"num_words":115,"start":791.87,"end":844.38},{"sentences":[{"text":"Yeah.","start":883.845,"end":884.345,"sentiment":"neutral","sentiment_score":-0.033673711121082306},{"text":"Exactly.","start":891.06,"end":891.56,"sentiment":"neutral","sentiment_score":0.2132333368062973},{"text":"Right.","start":891.7,"end":891.94,"sentiment":"neutral","sentiment_score":0.2805953025817871},{"text":"So and those two options are either you can swing it back to any other type of account or you just attach one within the SMSF like a wrap internally that can invest in all the same things.","start":891.94,"end":901.845,"sentiment":"neutral","sentiment_score":0.2086290077943551},{"text":"And then like you said, you pull out a 100 or 200 into that, and then it's just a matter of look.","start":901.845,"end":906.805,"sentiment":"neutral","sentiment_score":0.1297544940290126}],"sentiment":"neutral","sentiment_score":0.17845485862048846,"num_words":63,"start":883.845,"end":906.805},{"sentences":[{"text":"You may have to sell down a small portion of top it up if the contributions don't get you there.","start":906.805,"end":911.38495,"sentiment":"neutral","sentiment_score":-0.03499024398624897},{"text":"But most of the time, you just need to make sure that funds are available, you know, five to seven days before settlement so that, you know, once lending's approved, the funds just needed to be available to transfer within that sort of week or two beforehand.","start":911.685,"end":925.88995,"sentiment":"neutral","sentiment_score":0.05921093556792178},{"text":"And if you've got a settlement date so far in advance, you've got heaps of wiggle room to just move funds around for three, six, twelve months at a time.","start":926.35,"end":934.33496,"sentiment":"neutral","sentiment_score":0.1430301750699679},{"text":"Yeah.","start":981.495,"end":981.995,"sentiment":"neutral","sentiment_score":0.0071010105311870575},{"text":"And what happens is the line is pulled over in between.","start":1009.925,"end":1012.585,"sentiment":"neutral","sentiment_score":0.003188621591437947}],"sentiment":"neutral","sentiment_score":0.05886413020278336,"num_words":109,"start":906.805,"end":1012.585},{"sentences":[{"text":"And, yeah, it's not like someone's got any data saying that, you know, what proportion of their client base have all these property settlements pushed out twelve, twenty four months at a time versus how many kind of immediate settlement.","start":1031.235,"end":1043.3401,"sentiment":"neutral","sentiment_score":-0.10123058315366507},{"text":"Because like you said, some people have jumped in low stress, settled on something straight away from an equity release.","start":1043.3401,"end":1048.8,"sentiment":"neutral","sentiment_score":-0.19880034625530243},{"text":"It'd be interesting to know how how often that actually happens.","start":1048.9401,"end":1052.3,"sentiment":"neutral","sentiment_score":-0.08349886536598206},{"text":"Is is it just a one off because the property is so good, or is that just a common practice?","start":1052.3,"end":1056.6749,"sentiment":"neutral","sentiment_score":0.003482634015381336},{"text":"That's alright.","start":1067.1349,"end":1067.7749,"sentiment":"neutral","sentiment_score":-0.03894638642668724}],"sentiment":"neutral","sentiment_score":-0.09625761142821722,"num_words":93,"start":1031.235,"end":1067.7749},{"sentences":[{"text":"I've gotta duck off in a few minutes anyway.","start":1067.7749,"end":1069.715,"sentiment":"neutral","sentiment_score":-0.10566758281654781},{"text":"Yeah.","start":1082.76,"end":1083.0,"sentiment":"neutral","sentiment_score":0.17090077698230743},{"text":"Yeah.","start":1083.0,"end":1083.495,"sentiment":"neutral","sentiment_score":0.24074453115463257},{"text":"Yeah.","start":1111.525,"end":1111.845,"sentiment":"neutral","sentiment_score":0.21407923102378845},{"text":"Yeah.","start":1111.845,"end":1112.165,"sentiment":"neutral","sentiment_score":0.21474844217300415}],"sentiment":"neutral","sentiment_score":-0.008502712616553674,"num_words":13,"start":1067.7749,"end":1112.165},{"sentences":[{"text":"I'm having a look now.","start":1112.165,"end":1113.625,"sentiment":"neutral","sentiment_score":0.21822578608989715},{"text":"I do have some time after 03:00, so that shouldn't be a problem.","start":1113.685,"end":1117.9451,"sentiment":"neutral","sentiment_score":0.3157763114342323},{"text":"And we do have some meeting rooms available as well.","start":1118.405,"end":1123.11,"sentiment":"neutral","sentiment_score":0.2651955261826515},{"text":"Yeah.","start":1153.14,"end":1153.62,"sentiment":"neutral","sentiment_score":0.21811240911483765},{"text":"I'll send an email to them right now.","start":1153.62,"end":1155.3,"sentiment":"neutral","sentiment_score":0.32298053801059723}],"sentiment":"neutral","sentiment_score":0.28784143119244965,"num_words":37,"start":1112.165,"end":1155.3},{"sentences":[{"text":"I'm just writing it up.","start":1155.3,"end":1156.68,"sentiment":"positive","sentiment_score":0.3726674675941467},{"text":"That should be all sweet.","start":1157.9401,"end":1159.545,"sentiment":"positive","sentiment_score":0.7678257107734681},{"text":"And I won't include it in the email, but if you do come down, it would be a good idea for us to kind of just remap out on the whiteboard like we did previously.","start":1159.785,"end":1168.8451,"sentiment":"neutral","sentiment_score":0.24264129932437625},{"text":"Now with the SMSF and the properties and everything, just remap out the assets and goals and everything.","start":1169.2251,"end":1174.2051,"sentiment":"neutral","sentiment_score":0.26510884281661773},{"text":"And that way, I can keep a nice snapshot on file, and then we know all the moving parts to keep an eye on.","start":1174.29,"end":1180.55,"sentiment":"positive","sentiment_score":0.4341276145229737}],"sentiment":"positive","sentiment_score":0.33776934813151416,"num_words":87,"start":1155.3,"end":1180.55},{"sentences":[{"text":"Yeah.","start":1214.67,"end":1214.985,"sentiment":"neutral","sentiment_score":0.030884454026818275},{"text":"Cool.","start":1223.145,"end":1223.645,"sentiment":"neutral","sentiment_score":0.23192188143730164},{"text":"Yeah.","start":1257.43,"end":1257.8301,"sentiment":"neutral","sentiment_score":0.06088796257972717},{"text":"So contributions are going to SMSF.","start":1257.8301,"end":1260.17,"sentiment":"neutral","sentiment_score":0.09014647454023361},{"text":"We'll talk about the insurances, see how the hub portfolio is tracking properties and SMSF property.","start":1260.47,"end":1267.1549,"sentiment":"neutral","sentiment_score":0.10801305947825313}],"sentiment":"neutral","sentiment_score":0.10371128387749196,"num_words":25,"start":1214.67,"end":1267.1549},{"sentences":[{"text":"And then, yeah, that's why I like to get a nice little flowchart going with everything, keep that on file, and then whenever each section pops up, we can just update the strategy after that.","start":1267.455,"end":1276.95,"sentiment":"neutral","sentiment_score":0.1804585995418685},{"text":"Cool.","start":1280.87,"end":1281.0299,"sentiment":"positive","sentiment_score":0.4960026741027832},{"text":"Well, I've locked in Monday, 3PM on the seventh, so that's all good.","start":1281.0299,"end":1284.97,"sentiment":"positive","sentiment_score":0.3608064582714668},{"text":"Let me know how you go with the the cash management account interest rates and everything, and I'll I'll keep an eye on my emails for next week.","start":1285.51,"end":1294.495,"sentiment":"neutral","sentiment_score":0.1306032706052065},{"text":"No worries, Carl.","start":1299.915,"end":1300.635,"sentiment":"neutral","sentiment_score":0.20815167327721915}],"sentiment":"neutral","sentiment_score":0.1972985526546836,"num_words":80,"start":1267.455,"end":1300.635},{"sentences":[{"text":"And one quick thing before you go, mate.","start":1300.635,"end":1302.495,"sentiment":"neutral","sentiment_score":0.11132122948765755},{"text":"Just want you to quickly just confirm security with me.","start":1303.4299,"end":1306.07,"sentiment":"neutral","sentiment_score":0.12157414630055427},{"text":"I'm just we're training some new advisers in to make sure I do all of the security process for your information, and then good to go.","start":1306.07,"end":1314.97,"sentiment":"neutral","sentiment_score":0.2278123956460219},{"text":"Yes.","start":1317.11,"end":1317.59,"sentiment":"neutral","sentiment_score":0.037553027272224426},{"text":"It is My my my my senior adviser sorry.","start":1317.59,"end":1321.9851,"sentiment":"neutral","sentiment_score":0.009158616782062583}],"sentiment":"neutral","sentiment_score":0.15091507711137334,"num_words":54,"start":1300.635,"end":1321.9851},{"sentences":[{"text":"My head of adviser is looking at me saying, like, what have you done?","start":1321.9851,"end":1325.4451,"sentiment":"neutral","sentiment_score":0.09354684435363327},{"text":"Yes.","start":1326.625,"end":1326.9451,"sentiment":"neutral","sentiment_score":0.18655413389205933},{"text":"Normally at the start, but I just have such a good fun talking to you.","start":1326.9451,"end":1330.245,"sentiment":"positive","sentiment_score":0.44139496485392254},{"text":"Oh, mate.","start":1334.05,"end":1334.37,"sentiment":"neutral","sentiment_score":0.17655082046985626},{"text":"If I could just grab date of birth and address.","start":1334.37,"end":1336.63,"sentiment":"neutral","sentiment_score":0.10481527969241142}],"sentiment":"neutral","sentiment_score":0.22662830632179976,"num_words":42,"start":1321.9851,"end":1336.63},{"sentences":[{"text":"Perfect.","start":1344.77,"end":1345.17,"sentiment":"positive","sentiment_score":0.7285513281822205},{"text":"And as always, mate, calls are recorded for training and quality purposes, and I very much look forward to catching up with you soon.","start":1345.17,"end":1351.0851,"sentiment":"positive","sentiment_score":0.4877724839995305},{"text":"Have a good weekend, Carl.","start":1354.265,"end":1355.305,"sentiment":"positive","sentiment_score":0.7086057305335999},{"text":"Bye.","start":1355.305,"end":1355.805,"sentiment":"neutral","sentiment_score":-0.12107188254594804}],"sentiment":"positive","sentiment_score":0.5115176682030002,"num_words":31,"start":1344.77,"end":1355.805}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. I apologize in the day. This is our reception, but best time to stop shooting up to get Ivan from boarding school, so I'm in the right chance. Yeah. Yep. Yep. Yep. How's everything going, mate? Yep. Yeah. Yeah. Yep. Yep. Fantastic. And then all the maya maya had a broken well, she broke the growth plate between her ankle and the bottom of her tibia. So she's been she was in a cast for six or seven weeks as well. So we're just going through the rehab physio with her because, of course, once I've been in the cast for six or seven weeks there, Achilles tendons basically got no spring left in it. They've gotta learn to walk properly again and all that stuff. So, yeah, so and bath is good? Yeah. Oh, that's fantastic. Right? Fantastic. Yeah. Yeah. Good stuff, but Unreal. Yeah. Just, like, obviously, doing the Infiniti thing and and and that's all it's all sort of going okay. You have good months and bad months following their kind of rapid repay, you know, that it's very easy to to get caught up in it all, you know, like, the rapid repay obviously only works when you've got, you know, $7,000 a month extra to kind of bang off your mortgage and some months you do and some months you don't. Things come up like party and feed and cows and paying for kids trips to Fiji and all that sort of stuff, but they don't kind of factor into any of your calculations. But, yeah, that's all just ticking away. Yeah. Yeah. I think there's sort of there's definitely a few questions surrounding it. Like, you know, you talk to we've got a few friends that are doing it as well, and that was kind of one of the main catalysts for us to eventually, yeah, give it a crack was that we had a couple of real life examples of people that were doing it. The the difference being for us, like, obviously, we bought that investment property over in the process, got that contract on that unit in the SMSF. So that's kind of a a bit of a set and forget type thing, but then we're also buying an investment property in Victoria in our personal days. But the the property that we're buying in Victoria, it's like 876,000. So we did an equity release from our primary property residents and got a $180 redraw that we've used to put towards that. But at settlement, we need $240,000. So, like, they said, it's a target of saving an additional paying an additional 60 k off our home loan in, like, ten months or whatever it was. And we're now getting to the point where we've got, like, nine pay, $4.90 to go, and we still got 30 odd grand to kinda come up with. And I just kept going back to them going, like, why and and I know the answer, but no one will actually tell me the answer. But it's like, why was the target for us set as buying a $876,000 investment property when equity release was only a $180 where we could have just bought something that was $680 or $700 a unit or a townhouse or whatever else and not perhaps to come up with that extra money. But fundamentally, it's because they try to maximize your leverage based on your income to write the biggest loan they can write because that's where they make all their money. You know what I mean? So friends of ours did yeah. Yeah. Yeah. So I just probably put a little bit of a sour taste in our mouth with it at the moment just because we know that friends that joined up and everything, they don't have the income that we have. And I've obviously bought an investment property as well. And you sit down and have dinner with them, and it's like they're like, oh, yeah. No. It's just like, since we signed up, it's just been, you know, all sunshine and roses. Everything has just sort of ticked along. And then with us, it's like, well, why is it that one couple gets the goal of, well, fuck. You gotta come up with an extra $60 in twelve months versus the other couple, everything was done from there. Equity release, and it's no stress. So all of a sudden, we go from feeling like we're in a relatively good position financially to feeling this financial stress that we haven't felt for years. You know? So that side of it, you know, and then you got people turned around and, you know, posting in the in the group like, oh, well, if you only have twelve minute showers, you can save a $156 a year. And I'm like, dude, that's not where I'm at with this. Like, if we wanna go and take our family out to dinner and it's a $156, like, that's what it is. You know? We still wanna do all those things as well as try and make this journey work. So, yeah, time will tell, mate. And then we don't know so I just told him today, like, I gave him some simple figures that said, like, nine pay fortnights as I calculated. We need to come up with $3,333 a fortnight on top of that $6,800 a month mortgage repayment to make your goal of $30 by December, you guys need to have a backup plan that if we don't make that target, what does that look like come settlement time? Because we don't wanna find ourselves in a position where you guys have put us into a property that we've said from the start we realistically don't think we can afford and then find ourselves in a position where we can't settle on something that you've boxed us into kinda thing. So so, yeah, that's all happening there. And then secondly, I just was sitting down doing some, like, life admin the other day, two days ago, whatever, And looked at kinda where we've ended up with the whole SMSF and the rollover and all that, and basically that snapshot that I sent you is pretty much the summary is, well, we've gone and done this partial rollover from, you know, a managed fund with you guys that was doing particularly well to serve as this investment loan. And, you know, realistically, we only needed a $122,000 for the 10% plus whatever the setup fees and cost were. So let's just call it even if it was 200, that would be gracious. But we went ahead and brought it over $430. So now we've got this $300 sitting in a CMA account earning 2.75% interest for the next two and a half years where, you know and and now we've got our $2,100 a fortnight going into that CMA account, which is kinda sitting there doing nothing. If the money's not needed for another, let's say, two and a half years, nearly, or two point three years to settle the property, I just feel like that would be far better off somewhere else invested, you know, on a leverage basis where it's earning 9% or 10% than sitting there in that CMA account earning 2.75% if it doesn't need to be there. That's what I calculated at that. Yeah. Between 45 to $50 that it's not earning while it's locked away there. So I sent that email to New Haven and Infiniti this morning or just before I obviously spoke to you and just said, hey. Like, I know that we've followed this structure. We've set this up and we've done this rollover, but as I calculate it, you know, that's gonna have $435 in it just with contributions and earning immediately 2.75%. Like, if that money is not needed till then, that's two years that could be invented somewhere else. And what we're not earning with that being on top of the 600 that we've still got, you know, in half or $5.50 or whatever it is plus the 50 in Qsupa, like, the earning potential of that is that it could still be $750, earning 10% rather than $550. So I don't know why that was just massive rush to roll over. Yes. Yeah. That's just the Macquarie CMA account. Yeah. And even even just asking around that, like, I know ComBank, they have a product that's called, like, the SMSF saver, and it returns 4.75% per annum with a seven day access. So you can basically just say within seven days, you need to roll it out back into your other CMA account. But whilst it's sitting in that other account, it's earning, you know, just under 5%. Even something like that might be more appealing than fucking 2.75%. So whether there's another product or whatever that they have access to. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. And that's that's exactly what I sort of raised that for was just to ask the question, like, is this because even when we went through the initial stuff with, like, New Haven, you know, they said, well, we've got, you know, other access to ETFs and all, like, other, you know, basically wrap wrap accounts and stuff. And it just almost seemed like it's just been a little bit of a sense to get, and then no one's kinda done the follow-up to go, well, actually, hey. This is the position we're in. Maybe we've got a better alternative here looking at the time frame. You know what I mean? So yeah. Hopefully, it just raises the questions and someone gets back to me soon with that. So Yep. The other the other thing being that that, like, you know, the very brief calculations that I did was that so we've got the money that's required for settlement in there already, you know, but yet now we're gonna be putting it down $2,100 per fortnight after tax contributions into that CMA account, like, why can't or can the SMSF choose to, like, roll out some money back out of that account? So, like, if I did the figures on, say, knowing that I need $300,000 on the 10/01/2028, well, theoretically, I can transfer, let's call it, $200,000 out of that account now and just leave the contributions going in there and work out that the contributions themselves are going to get that balance back to where it needs to be for settlement, but the funds that have been transferred out can then go back into a compounding fence somewhere else. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yep. Yeah. So that was the first kind of just rationalizing that my thought process was going in the right direction there and obviously getting some of your wisdom on that. And I and I think just off the back of because obviously, it's a multi tiered approach that, you know, Infiniti approach you with. And then we kinda then have to make the decision if after twelve months you go, well, is this putting you in a position that you feel justifies the cost per annum? Because, obviously, it's an ongoing annual fee to kind of utilize their system and all that stuff. Or and if you choose not to, if you're then locked into investments that are off the plan that are so far in advance, what does that look like if you say, well, we're not gonna go ahead to dig into the journey ongoing. Do you then change loan rates? Do you still settle that property with their assistance in two years' time? Are they doing it to kind of are they doing it to kind of lock you into staying with them for two and a half years because you have to be with them until you settle? Like, they're the questions that I don't think a lot of people ask. A lot of people get just kinda caught up in the hype of it all and don't actually ask them half questions. So Yeah. Yeah. Absolutely. And the second oh, just sorry. I've cut back to one bar, so I don't know how good the service is, but they should get better in a second. And the second part told me was just if I come down on the September 7 as per those emails from QC accounts, they've booked me in for 3PM, then I think if you find there was an email from them or maybe one or two emails from them just asking you to confirm if that worked in with you to have a meeting in the Oakview office on the afternoon of the seventh at 3PM, and we'd be doing my annual review. And Belinda might come down with me, and we'd wrap up my tasks all in the one afternoon. Yep. Yeah. I got it. Because I think that was Chris's request was Chris or someone from there. The other lady, I can't remember the name of the top of my head. But so, yeah, if you're alright with that, if you can shoot them all a reply that we can lock that in, then we'll look at either flights or whether we drive down. We come down on seven, leave on the eighth or something. Yeah. Yeah. Absolutely, mate. And then and, obviously, the we've got those few things happening with the EA and insurances and all that stuff that's still ongoing. I'm actually on the on the working group panel that's working between Maritime Safety Queensland, the GPC as the employer, and the union to try and work out what those income and income protection of life insurance and all that are gonna change to based on the changes to the health standard. If we have a bit of a win there, then it's time to revisit a couple of those things as well. But, yeah, it would be good to just map all that out because there's 50 odd grand sitting in QSuper at the moment, which is it works out that I don't need that or even we maybe do another rollover from QSuper to Hub to boost that back up to $600 kind of thing rather than having that $50 just in there that probably only needs to be 5 or 10 just to keep the insurance as valid as they are right now because there's obviously gonna no more contributions that are gonna go into q two months. So Yeah. Have a good night. I'll look forward to it. Yep. Yep. Yeah. Okay. Thanks very much, mate. Always appreciate it so much and your knowledge. I've done the is this supposed to happen at the start before we discuss all my finances? Yeah. Eight eight to the eighth nineteen eighty three and 457 Jim White Way, Barua, Queensland 4680. Sounds good, mate. I appreciate it. Thanks, Tommy. 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Good. Thanks. I apologize in the day. This is our reception, but best time to stop shooting up to get Ivan from boarding school, so I'm in the right chance.\n\nYeah. Yep. Yep. Yep. How's everything going, mate?\n\nYep. Yeah. Yeah. Yep. Yep.\n\nFantastic. And then all the maya maya had a broken well, she broke the growth plate between her ankle and the bottom of her tibia. So she's been she was in a cast for six or seven weeks as well. So we're just going through the rehab physio with her because, of course, once I've been in the cast for six or seven weeks there, Achilles tendons basically got no spring left in it. They've gotta learn to walk properly again and all that stuff.\n\nSo, yeah, so and bath is good? Yeah. Oh, that's fantastic. Right? Fantastic.\n\nYeah. Yeah. Good stuff, but Unreal. Yeah. Just, like, obviously, doing the Infiniti thing and and and that's all it's all sort of going okay.\n\nYou have good months and bad months following their kind of rapid repay, you know, that it's very easy to to get caught up in it all, you know, like, the rapid repay obviously only works when you've got, you know, $7,000 a month extra to kind of bang off your mortgage and some months you do and some months you don't. Things come up like party and feed and cows and paying for kids trips to Fiji and all that sort of stuff, but they don't kind of factor into any of your calculations. But, yeah, that's all just ticking away. Yeah. Yeah.\n\nI think there's sort of there's definitely a few questions surrounding it. Like, you know, you talk to we've got a few friends that are doing it as well, and that was kind of one of the main catalysts for us to eventually, yeah, give it a crack was that we had a couple of real life examples of people that were doing it. The the difference being for us, like, obviously, we bought that investment property over in the process, got that contract on that unit in the SMSF. So that's kind of a a bit of a set and forget type thing, but then we're also buying an investment property in Victoria in our personal days. But the the property that we're buying in Victoria, it's like 876,000.\n\nSo we did an equity release from our primary property residents and got a $180 redraw that we've used to put towards that. But at settlement, we need $240,000. So, like, they said, it's a target of saving an additional paying an additional 60 k off our home loan in, like, ten months or whatever it was. And we're now getting to the point where we've got, like, nine pay, $4.90 to go, and we still got 30 odd grand to kinda come up with. And I just kept going back to them going, like, why and and I know the answer, but no one will actually tell me the answer.\n\nBut it's like, why was the target for us set as buying a $876,000 investment property when equity release was only a $180 where we could have just bought something that was $680 or $700 a unit or a townhouse or whatever else and not perhaps to come up with that extra money. But fundamentally, it's because they try to maximize your leverage based on your income to write the biggest loan they can write because that's where they make all their money. You know what I mean? So friends of ours did yeah. Yeah.\n\nYeah. So I just probably put a little bit of a sour taste in our mouth with it at the moment just because we know that friends that joined up and everything, they don't have the income that we have. And I've obviously bought an investment property as well. And you sit down and have dinner with them, and it's like they're like, oh, yeah. No.\n\nIt's just like, since we signed up, it's just been, you know, all sunshine and roses. Everything has just sort of ticked along. And then with us, it's like, well, why is it that one couple gets the goal of, well, fuck. You gotta come up with an extra $60 in twelve months versus the other couple, everything was done from there. Equity release, and it's no stress.\n\nSo all of a sudden, we go from feeling like we're in a relatively good position financially to feeling this financial stress that we haven't felt for years. You know? So that side of it, you know, and then you got people turned around and, you know, posting in the in the group like, oh, well, if you only have twelve minute showers, you can save a $156 a year. And I'm like, dude, that's not where I'm at with this. Like, if we wanna go and take our family out to dinner and it's a $156, like, that's what it is.\n\nYou know? We still wanna do all those things as well as try and make this journey work. So, yeah, time will tell, mate. And then we don't know so I just told him today, like, I gave him some simple figures that said, like, nine pay fortnights as I calculated. We need to come up with $3,333 a fortnight on top of that $6,800 a month mortgage repayment to make your goal of $30 by December, you guys need to have a backup plan that if we don't make that target, what does that look like come settlement time?\n\nBecause we don't wanna find ourselves in a position where you guys have put us into a property that we've said from the start we realistically don't think we can afford and then find ourselves in a position where we can't settle on something that you've boxed us into kinda thing. So so, yeah, that's all happening there. And then secondly, I just was sitting down doing some, like, life admin the other day, two days ago, whatever, And looked at kinda where we've ended up with the whole SMSF and the rollover and all that, and basically that snapshot that I sent you is pretty much the summary is, well, we've gone and done this partial rollover from, you know, a managed fund with you guys that was doing particularly well to serve as this investment loan. And, you know, realistically, we only needed a $122,000 for the 10% plus whatever the setup fees and cost were. So let's just call it even if it was 200, that would be gracious.\n\nBut we went ahead and brought it over $430. So now we've got this $300 sitting in a CMA account earning 2.75% interest for the next two and a half years where, you know and and now we've got our $2,100 a fortnight going into that CMA account, which is kinda sitting there doing nothing. If the money's not needed for another, let's say, two and a half years, nearly, or two point three years to settle the property, I just feel like that would be far better off somewhere else invested, you know, on a leverage basis where it's earning 9% or 10% than sitting there in that CMA account earning 2.75% if it doesn't need to be there. That's what I calculated at that. Yeah.\n\nBetween 45 to $50 that it's not earning while it's locked away there. So I sent that email to New Haven and Infiniti this morning or just before I obviously spoke to you and just said, hey. Like, I know that we've followed this structure. We've set this up and we've done this rollover, but as I calculate it, you know, that's gonna have $435 in it just with contributions and earning immediately 2.75%. Like, if that money is not needed till then, that's two years that could be invented somewhere else.\n\nAnd what we're not earning with that being on top of the 600 that we've still got, you know, in half or $5.50 or whatever it is plus the 50 in Qsupa, like, the earning potential of that is that it could still be $750, earning 10% rather than $550. So I don't know why that was just massive rush to roll over. Yes. Yeah. That's just the Macquarie CMA account.\n\nYeah. And even even just asking around that, like, I know ComBank, they have a product that's called, like, the SMSF saver, and it returns 4.75% per annum with a seven day access. So you can basically just say within seven days, you need to roll it out back into your other CMA account. But whilst it's sitting in that other account, it's earning, you know, just under 5%. Even something like that might be more appealing than fucking 2.75%.\n\nSo whether there's another product or whatever that they have access to. Yeah. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. Yeah. And that's that's exactly what I sort of raised that for was just to ask the question, like, is this because even when we went through the initial stuff with, like, New Haven, you know, they said, well, we've got, you know, other access to ETFs and all, like, other, you know, basically wrap wrap accounts and stuff. And it just almost seemed like it's just been a little bit of a sense to get, and then no one's kinda done the follow-up to go, well, actually, hey.\n\nThis is the position we're in. Maybe we've got a better alternative here looking at the time frame. You know what I mean? So yeah. Hopefully, it just raises the questions and someone gets back to me soon with that.\n\nSo Yep. The other the other thing being that that, like, you know, the very brief calculations that I did was that so we've got the money that's required for settlement in there already, you know, but yet now we're gonna be putting it down $2,100 per fortnight after tax contributions into that CMA account, like, why can't or can the SMSF choose to, like, roll out some money back out of that account? So, like, if I did the figures on, say, knowing that I need $300,000 on the 10/01/2028, well, theoretically, I can transfer, let's call it, $200,000 out of that account now and just leave the contributions going in there and work out that the contributions themselves are going to get that balance back to where it needs to be for settlement, but the funds that have been transferred out can then go back into a compounding fence somewhere else. Yeah. Yeah.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. So that was the first kind of just rationalizing that my thought process was going in the right direction there and obviously getting some of your wisdom on that. And I and I think just off the back of because obviously, it's a multi tiered approach that, you know, Infiniti approach you with. And then we kinda then have to make the decision if after twelve months you go, well, is this putting you in a position that you feel justifies the cost per annum? Because, obviously, it's an ongoing annual fee to kind of utilize their system and all that stuff.\n\nOr and if you choose not to, if you're then locked into investments that are off the plan that are so far in advance, what does that look like if you say, well, we're not gonna go ahead to dig into the journey ongoing. Do you then change loan rates? Do you still settle that property with their assistance in two years' time? Are they doing it to kind of are they doing it to kind of lock you into staying with them for two and a half years because you have to be with them until you settle? Like, they're the questions that I don't think a lot of people ask.\n\nA lot of people get just kinda caught up in the hype of it all and don't actually ask them half questions. So Yeah. Yeah. Absolutely. And the second oh, just sorry.\n\nI've cut back to one bar, so I don't know how good the service is, but they should get better in a second. And the second part told me was just if I come down on the September 7 as per those emails from QC accounts, they've booked me in for 3PM, then I think if you find there was an email from them or maybe one or two emails from them just asking you to confirm if that worked in with you to have a meeting in the Oakview office on the afternoon of the seventh at 3PM, and we'd be doing my annual review. And Belinda might come down with me, and we'd wrap up my tasks all in the one afternoon. Yep. Yeah.\n\nI got it. Because I think that was Chris's request was Chris or someone from there. The other lady, I can't remember the name of the top of my head. But so, yeah, if you're alright with that, if you can shoot them all a reply that we can lock that in, then we'll look at either flights or whether we drive down. We come down on seven, leave on the eighth or something.\n\nYeah. Yeah. Absolutely, mate. And then and, obviously, the we've got those few things happening with the EA and insurances and all that stuff that's still ongoing. I'm actually on the on the working group panel that's working between Maritime Safety Queensland, the GPC as the employer, and the union to try and work out what those income and income protection of life insurance and all that are gonna change to based on the changes to the health standard.\n\nIf we have a bit of a win there, then it's time to revisit a couple of those things as well. But, yeah, it would be good to just map all that out because there's 50 odd grand sitting in QSuper at the moment, which is it works out that I don't need that or even we maybe do another rollover from QSuper to Hub to boost that back up to $600 kind of thing rather than having that $50 just in there that probably only needs to be 5 or 10 just to keep the insurance as valid as they are right now because there's obviously gonna no more contributions that are gonna go into q two months. So Yeah. Have a good night. I'll look forward to it.\n\nYep. Yep. Yeah. Okay. Thanks very much, mate.\n\nAlways appreciate it so much and your knowledge. I've done the is this supposed to happen at the start before we discuss all my finances? Yeah. Eight eight to the eighth nineteen eighty three and 457 Jim White Way, Barua, Queensland 4680. Sounds good, mate.\n\nI appreciate it. Thanks, Tommy. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.04773903638124466},{"text":"Good.","start":6.0,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5641946792602539},{"text":"Thanks.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5518397092819214},{"text":"I apologize in the day.","start":6.7999997,"end":8.559999,"sentiment":"neutral","sentiment_score":0.07171448767185211},{"text":"This is our reception, but best time to stop shooting up to get Ivan from boarding school, so I'm in the right chance.","start":8.559999,"end":15.299999,"sentiment":"neutral","sentiment_score":0.10101909870686739}],"sentiment":"neutral","sentiment_score":0.12405758495292356,"num_words":31,"start":1.1999999,"end":15.299999},{"sentences":[{"text":"Yeah.","start":20.235,"end":20.555,"sentiment":"neutral","sentiment_score":0.04977098107337952},{"text":"Yep.","start":20.555,"end":20.875,"sentiment":"neutral","sentiment_score":0.05170529708266258},{"text":"Yep.","start":20.875,"end":21.195,"sentiment":"neutral","sentiment_score":0.06008395552635193},{"text":"Yep.","start":21.195,"end":21.515,"sentiment":"neutral","sentiment_score":0.08782177418470383},{"text":"How's everything going, mate?","start":21.515,"end":22.975,"sentiment":"neutral","sentiment_score":0.21586652472615242}],"sentiment":"neutral","sentiment_score":0.13910601334646344,"num_words":8,"start":20.235,"end":22.975},{"sentences":[{"text":"Yep.","start":36.97,"end":37.47,"sentiment":"neutral","sentiment_score":0.0105133056640625},{"text":"Yeah.","start":37.53,"end":38.03,"sentiment":"neutral","sentiment_score":0.009144164621829988},{"text":"Yeah.","start":40.33,"end":40.41,"sentiment":"neutral","sentiment_score":0.03874807059764862},{"text":"Yep.","start":40.41,"end":40.73,"sentiment":"neutral","sentiment_score":0.0530124269425869},{"text":"Yep.","start":40.73,"end":41.23,"sentiment":"neutral","sentiment_score":0.13363750278949738}],"sentiment":"neutral","sentiment_score":0.04901109412312508,"num_words":5,"start":36.97,"end":41.23},{"sentences":[{"text":"Fantastic.","start":41.37,"end":41.87,"sentiment":"positive","sentiment_score":0.42925459146499634},{"text":"And then all the maya maya had a broken well, she broke the growth plate between her ankle and the bottom of her tibia.","start":42.09,"end":50.465,"sentiment":"neutral","sentiment_score":0.035990431206300855},{"text":"So she's been she was in a cast for six or seven weeks as well.","start":51.005,"end":55.805,"sentiment":"neutral","sentiment_score":-0.0034917184462149938},{"text":"So we're just going through the rehab physio with her because, of course, once I've been in the cast for six or seven weeks there, Achilles tendons basically got no spring left in it.","start":55.805,"end":68.28,"sentiment":"neutral","sentiment_score":-0.046426077437311454},{"text":"They've gotta learn to walk properly again and all that stuff.","start":68.28,"end":71.880005,"sentiment":"neutral","sentiment_score":-0.1128488840027289}],"sentiment":"neutral","sentiment_score":-0.018578531684419003,"num_words":85,"start":41.37,"end":71.880005},{"sentences":[{"text":"So, yeah, so and bath is good?","start":71.880005,"end":78.435,"sentiment":"neutral","sentiment_score":0.050644172089440484},{"text":"Yeah.","start":85.215,"end":85.715,"sentiment":"neutral","sentiment_score":0.15861138701438904},{"text":"Oh, that's fantastic.","start":93.78,"end":94.92,"sentiment":"positive","sentiment_score":0.5186339219411215},{"text":"Right?","start":95.06,"end":95.56,"sentiment":"positive","sentiment_score":0.4040623903274536},{"text":"Fantastic.","start":96.02,"end":96.52,"sentiment":"positive","sentiment_score":0.5390846729278564}],"sentiment":"neutral","sentiment_score":0.23170534005531898,"num_words":13,"start":71.880005,"end":96.52},{"sentences":[{"text":"Yeah.","start":102.795,"end":103.295,"sentiment":"neutral","sentiment_score":0.22022828459739685},{"text":"Yeah.","start":107.59499,"end":108.09499,"sentiment":"neutral","sentiment_score":0.20661301910877228},{"text":"Good stuff, but Unreal.","start":114.075,"end":123.939995,"sentiment":"positive","sentiment_score":0.5256134141236544},{"text":"Yeah.","start":124.71999,"end":125.119995,"sentiment":"neutral","sentiment_score":0.08606328070163727},{"text":"Just, like, obviously, doing the Infiniti thing and and and that's all it's all sort of going okay.","start":125.119995,"end":133.135,"sentiment":"neutral","sentiment_score":0.07066529182096322}],"sentiment":"neutral","sentiment_score":0.15549333974719048,"num_words":25,"start":102.795,"end":133.135},{"sentences":[{"text":"You have good months and bad months following their kind of rapid repay, you know, that it's very easy to to get caught up in it all, you know, like, the rapid repay obviously only works when you've got, you know, $7,000 a month extra to kind of bang off your mortgage and some months you do and some months you don't.","start":135.275,"end":156.34,"sentiment":"neutral","sentiment_score":-0.045209438119444154},{"text":"Things come up like party and feed and cows and paying for kids trips to Fiji and all that sort of stuff, but they don't kind of factor into any of your calculations.","start":156.40001,"end":166.485,"sentiment":"neutral","sentiment_score":-0.028442989978374855},{"text":"But, yeah, that's all just ticking away.","start":166.625,"end":170.005,"sentiment":"neutral","sentiment_score":0.03214580858392375},{"text":"Yeah.","start":174.36,"end":174.84,"sentiment":"neutral","sentiment_score":0.023800594732165337},{"text":"Yeah.","start":174.84,"end":175.16,"sentiment":"neutral","sentiment_score":0.02695770189166069}],"sentiment":"neutral","sentiment_score":-0.033325239192121305,"num_words":104,"start":135.275,"end":175.16},{"sentences":[{"text":"I think there's sort of there's definitely a few questions surrounding it.","start":175.16,"end":182.59999,"sentiment":"neutral","sentiment_score":0.020681063489367563},{"text":"Like, you know, you talk to we've got a few friends that are doing it as well, and that was kind of one of the main catalysts for us to eventually, yeah, give it a crack was that we had a couple of real life examples of people that were doing it.","start":182.59999,"end":199.92499,"sentiment":"neutral","sentiment_score":0.03889581736607047},{"text":"The the difference being for us, like, obviously, we bought that investment property over in the process, got that contract on that unit in the SMSF.","start":201.44,"end":212.26001,"sentiment":"neutral","sentiment_score":0.025010060232419234},{"text":"So that's kind of a a bit of a set and forget type thing, but then we're also buying an investment property in Victoria in our personal days.","start":212.40001,"end":220.27501,"sentiment":"neutral","sentiment_score":0.019514710708920444},{"text":"But the the property that we're buying in Victoria, it's like 876,000.","start":222.335,"end":229.64,"sentiment":"neutral","sentiment_score":0.019272147910669446}],"sentiment":"neutral","sentiment_score":0.028451496197913703,"num_words":130,"start":175.16,"end":229.64},{"sentences":[{"text":"So we did an equity release from our primary property residents and got a $180 redraw that we've used to put towards that.","start":229.64,"end":237.82,"sentiment":"neutral","sentiment_score":0.03316420668979054},{"text":"But at settlement, we need $240,000.","start":238.28,"end":242.205,"sentiment":"neutral","sentiment_score":0.02390536479651928},{"text":"So, like, they said, it's a target of saving an additional paying an additional 60 k off our home loan in, like, ten months or whatever it was.","start":242.205,"end":253.825,"sentiment":"neutral","sentiment_score":0.20670571870037488},{"text":"And we're now getting to the point where we've got, like, nine pay, $4.90 to go, and we still got 30 odd grand to kinda come up with.","start":254.34999,"end":262.45,"sentiment":"neutral","sentiment_score":0.14980109315365553},{"text":"And I just kept going back to them going, like, why and and I know the answer, but no one will actually tell me the answer.","start":263.15,"end":272.795,"sentiment":"neutral","sentiment_score":-0.2458873800933361}],"sentiment":"neutral","sentiment_score":0.04049844857775145,"num_words":111,"start":229.64,"end":272.795},{"sentences":[{"text":"But it's like, why was the target for us set as buying a $876,000 investment property when equity release was only a $180 where we could have just bought something that was $680 or $700 a unit or a townhouse or whatever else and not perhaps to come up with that extra money.","start":272.795,"end":295.685,"sentiment":"neutral","sentiment_score":-0.14589443233496738},{"text":"But fundamentally, it's because they try to maximize your leverage based on your income to write the biggest loan they can write because that's where they make all their money.","start":296.625,"end":308.78998,"sentiment":"neutral","sentiment_score":0.12031991388648748},{"text":"You know what I mean?","start":308.78998,"end":309.50998,"sentiment":"neutral","sentiment_score":0.02763659358024597},{"text":"So friends of ours did yeah.","start":309.50998,"end":317.66998,"sentiment":"neutral","sentiment_score":0.0856357713540395},{"text":"Yeah.","start":317.66998,"end":318.16998,"sentiment":"neutral","sentiment_score":-0.17326445877552032}],"sentiment":"neutral","sentiment_score":-0.03835867747272316,"num_words":95,"start":272.795,"end":318.16998},{"sentences":[{"text":"Yeah.","start":321.07498,"end":321.475,"sentiment":"neutral","sentiment_score":-0.29841578006744385},{"text":"So I just probably put a little bit of a sour taste in our mouth with it at the moment just because we know that friends that joined up and everything, they don't have the income that we have.","start":321.475,"end":331.815,"sentiment":"negative","sentiment_score":-0.47852260638505983},{"text":"And I've obviously bought an investment property as well.","start":332.19498,"end":335.27,"sentiment":"neutral","sentiment_score":-0.13992974824375576},{"text":"And you sit down and have dinner with them, and it's like they're like, oh, yeah.","start":335.27,"end":338.15,"sentiment":"neutral","sentiment_score":-0.29890166223049164},{"text":"No.","start":338.15,"end":338.38998,"sentiment":"negative","sentiment_score":-0.4993610084056854}],"sentiment":"negative","sentiment_score":-0.3863932237480626,"num_words":66,"start":321.07498,"end":338.38998},{"sentences":[{"text":"It's just like, since we signed up, it's just been, you know, all sunshine and roses.","start":338.38998,"end":342.62997,"sentiment":"neutral","sentiment_score":-0.31292697601020336},{"text":"Everything has just sort of ticked along.","start":342.62997,"end":344.22998,"sentiment":"negative","sentiment_score":-0.4735757793698992},{"text":"And then with us, it's like, well, why is it that one couple gets the goal of, well, fuck.","start":344.22998,"end":350.82498,"sentiment":"negative","sentiment_score":-0.5385872078569311},{"text":"You gotta come up with an extra $60 in twelve months versus the other couple, everything was done from there.","start":350.82498,"end":356.82498,"sentiment":"negative","sentiment_score":-0.3477291017770767},{"text":"Equity release, and it's no stress.","start":356.82498,"end":358.585,"sentiment":"neutral","sentiment_score":0.2213797072569529}],"sentiment":"negative","sentiment_score":-0.35560768842697144,"num_words":68,"start":338.38998,"end":358.585},{"sentences":[{"text":"So all of a sudden, we go from feeling like we're in a relatively good position financially to feeling this financial stress that we haven't felt for years.","start":358.585,"end":368.11,"sentiment":"neutral","sentiment_score":0.024765533794249808},{"text":"You know?","start":368.11,"end":368.66998,"sentiment":"neutral","sentiment_score":0.023840157315135002},{"text":"So that side of it, you know, and then you got people turned around and, you know, posting in the in the group like, oh, well, if you only have twelve minute showers, you can save a $156 a year.","start":368.66998,"end":381.285,"sentiment":"neutral","sentiment_score":0.1649105692282319},{"text":"And I'm like, dude, that's not where I'm at with this.","start":381.285,"end":384.245,"sentiment":"neutral","sentiment_score":-0.2143508636138656},{"text":"Like, if we wanna go and take our family out to dinner and it's a $156, like, that's what it is.","start":384.245,"end":390.19998,"sentiment":"neutral","sentiment_score":0.08483606257608958}],"sentiment":"neutral","sentiment_score":0.06628662592494021,"num_words":102,"start":358.585,"end":390.19998},{"sentences":[{"text":"You know?","start":390.19998,"end":390.52,"sentiment":"neutral","sentiment_score":0.10849451273679733},{"text":"We still wanna do all those things as well as try and make this journey work.","start":390.52,"end":395.47998,"sentiment":"positive","sentiment_score":0.38610218837857246},{"text":"So, yeah, time will tell, mate.","start":395.47998,"end":398.44,"sentiment":"neutral","sentiment_score":0.07287877922256787},{"text":"And then we don't know so I just told him today, like, I gave him some simple figures that said, like, nine pay fortnights as I calculated.","start":398.44,"end":408.475,"sentiment":"neutral","sentiment_score":-0.010999352429751997},{"text":"We need to come up with $3,333 a fortnight on top of that $6,800 a month mortgage repayment to make your goal of $30 by December, you guys need to have a backup plan that if we don't make that target, what does that look like come settlement time?","start":409.17502,"end":427.74,"sentiment":"neutral","sentiment_score":-0.029063229354060426}],"sentiment":"neutral","sentiment_score":0.05110815960913897,"num_words":100,"start":390.19998,"end":427.74},{"sentences":[{"text":"Because we don't wanna find ourselves in a position where you guys have put us into a property that we've said from the start we realistically don't think we can afford and then find ourselves in a position where we can't settle on something that you've boxed us into kinda thing.","start":427.74,"end":444.685,"sentiment":"neutral","sentiment_score":-0.2878617042419957},{"text":"So so, yeah, that's all happening there.","start":444.685,"end":449.66,"sentiment":"neutral","sentiment_score":-0.02402047094489847},{"text":"And then secondly, I just was sitting down doing some, like, life admin the other day, two days ago, whatever, And looked at kinda where we've ended up with the whole SMSF and the rollover and all that, and basically that snapshot that I sent you is pretty much the summary is, well, we've gone and done this partial rollover from, you know, a managed fund with you guys that was doing particularly well to serve as this investment loan.","start":451.4,"end":481.15002,"sentiment":"neutral","sentiment_score":0.06236667735502124},{"text":"And, you know, realistically, we only needed a $122,000 for the 10% plus whatever the setup fees and cost were.","start":481.15002,"end":489.39,"sentiment":"neutral","sentiment_score":0.005860710772685707},{"text":"So let's just call it even if it was 200, that would be gracious.","start":489.39,"end":493.405,"sentiment":"neutral","sentiment_score":0.1430726232273238}],"sentiment":"neutral","sentiment_score":-0.044997238859989096,"num_words":172,"start":427.74,"end":493.405},{"sentences":[{"text":"But we went ahead and brought it over $430.","start":494.025,"end":496.745,"sentiment":"neutral","sentiment_score":0.16158024138874477},{"text":"So now we've got this $300 sitting in a CMA account earning 2.75% interest for the next two and a half years where, you know and and now we've got our $2,100 a fortnight going into that CMA account, which is kinda sitting there doing nothing.","start":496.745,"end":516.45,"sentiment":"neutral","sentiment_score":-0.05925847670954207},{"text":"If the money's not needed for another, let's say, two and a half years, nearly, or two point three years to settle the property, I just feel like that would be far better off somewhere else invested, you know, on a leverage basis where it's earning 9% or 10% than sitting there in that CMA account earning 2.75% if it doesn't need to be there.","start":517.15,"end":544.94,"sentiment":"neutral","sentiment_score":-0.024973164556118158},{"text":"That's what I calculated at that.","start":550.03503,"end":551.55505,"sentiment":"neutral","sentiment_score":-0.07620242548485597},{"text":"Yeah.","start":551.55505,"end":551.79504,"sentiment":"neutral","sentiment_score":-0.08582140505313873}],"sentiment":"neutral","sentiment_score":-0.027070546537403047,"num_words":127,"start":494.025,"end":551.79504},{"sentences":[{"text":"Between 45 to $50 that it's not earning while it's locked away there.","start":551.79504,"end":557.41504,"sentiment":"neutral","sentiment_score":-0.2076776256928077},{"text":"So I sent that email to New Haven and Infiniti this morning or just before I obviously spoke to you and just said, hey.","start":557.55505,"end":567.34,"sentiment":"neutral","sentiment_score":0.011568777340774735},{"text":"Like, I know that we've followed this structure.","start":567.34,"end":569.74005,"sentiment":"neutral","sentiment_score":-0.03502978617325425},{"text":"We've set this up and we've done this rollover, but as I calculate it, you know, that's gonna have $435 in it just with contributions and earning immediately 2.75%.","start":569.74005,"end":581.35504,"sentiment":"neutral","sentiment_score":0.015214939418064174},{"text":"Like, if that money is not needed till then, that's two years that could be invented somewhere else.","start":581.35504,"end":587.13,"sentiment":"neutral","sentiment_score":-0.14201222939623726}],"sentiment":"neutral","sentiment_score":-0.052362865795895115,"num_words":92,"start":551.79504,"end":587.13},{"sentences":[{"text":"And what we're not earning with that being on top of the 600 that we've still got, you know, in half or $5.50 or whatever it is plus the 50 in Qsupa, like, the earning potential of that is that it could still be $750, earning 10% rather than $550.","start":587.61,"end":606.375,"sentiment":"neutral","sentiment_score":-0.17064260864630343},{"text":"So I don't know why that was just massive rush to roll over.","start":606.375,"end":612.075,"sentiment":"negative","sentiment_score":-0.47062805868112123},{"text":"Yes.","start":635.915,"end":636.415,"sentiment":"neutral","sentiment_score":-0.2524288296699524},{"text":"Yeah.","start":640.57,"end":641.07,"sentiment":"neutral","sentiment_score":-0.10946771502494812},{"text":"That's just the Macquarie CMA account.","start":649.20996,"end":651.29,"sentiment":"neutral","sentiment_score":0.00215131634225448}],"sentiment":"neutral","sentiment_score":-0.21125751889874816,"num_words":71,"start":587.61,"end":651.29},{"sentences":[{"text":"Yeah.","start":651.29,"end":651.61,"sentiment":"neutral","sentiment_score":0.11183571070432664},{"text":"And even even just asking around that, like, I know ComBank, they have a product that's called, like, the SMSF saver, and it returns 4.75% per annum with a seven day access.","start":651.61,"end":664.475,"sentiment":"neutral","sentiment_score":0.1753491626586765},{"text":"So you can basically just say within seven days, you need to roll it out back into your other CMA account.","start":664.475,"end":670.01495,"sentiment":"neutral","sentiment_score":0.12000127597933724},{"text":"But whilst it's sitting in that other account, it's earning, you know, just under 5%.","start":670.31,"end":674.32996,"sentiment":"neutral","sentiment_score":0.03346496565888325},{"text":"Even something like that might be more appealing than fucking 2.75%.","start":674.55,"end":679.43,"sentiment":"neutral","sentiment_score":-0.1186041229150512}],"sentiment":"neutral","sentiment_score":0.09300456055207178,"num_words":80,"start":651.29,"end":679.43},{"sentences":[{"text":"So whether there's another product or whatever that they have access to.","start":679.43,"end":684.08997,"sentiment":"neutral","sentiment_score":-0.009749136787528792},{"text":"Yeah.","start":703.74005,"end":704.24005,"sentiment":"neutral","sentiment_score":0.14865487813949585},{"text":"Yep.","start":709.18005,"end":709.66003,"sentiment":"neutral","sentiment_score":0.19937443733215332},{"text":"Yep.","start":709.66003,"end":710.16003,"sentiment":"neutral","sentiment_score":0.21132692694664},{"text":"Yeah.","start":719.215,"end":719.715,"sentiment":"neutral","sentiment_score":0.1599897742271423}],"sentiment":"neutral","sentiment_score":0.037647273449692875,"num_words":16,"start":679.43,"end":719.715},{"sentences":[{"text":"Yeah.","start":737.69,"end":738.19,"sentiment":"neutral","sentiment_score":0.09226730465888976},{"text":"Yeah.","start":738.41,"end":738.91,"sentiment":"neutral","sentiment_score":0.0882699117064476},{"text":"Yeah.","start":743.14496,"end":743.64496,"sentiment":"neutral","sentiment_score":0.07331831753253937},{"text":"Yeah.","start":744.985,"end":745.14496,"sentiment":"neutral","sentiment_score":0.21061792969703672},{"text":"Yeah.","start":745.14496,"end":745.225,"sentiment":"neutral","sentiment_score":0.3127346634864807}],"sentiment":"neutral","sentiment_score":0.15544162541627884,"num_words":5,"start":737.69,"end":745.225},{"sentences":[{"text":"Absolutely.","start":745.225,"end":745.725,"sentiment":"positive","sentiment_score":0.4871834814548493},{"text":"Yeah.","start":747.14496,"end":747.38495,"sentiment":"neutral","sentiment_score":0.2922688126564026},{"text":"Yeah.","start":747.38495,"end":747.545,"sentiment":"neutral","sentiment_score":0.24891409277915957},{"text":"And that's that's exactly what I sort of raised that for was just to ask the question, like, is this because even when we went through the initial stuff with, like, New Haven, you know, they said, well, we've got, you know, other access to ETFs and all, like, other, you know, basically wrap wrap accounts and stuff.","start":747.545,"end":766.11,"sentiment":"neutral","sentiment_score":0.06415235964131766},{"text":"And it just almost seemed like it's just been a little bit of a sense to get, and then no one's kinda done the follow-up to go, well, actually, hey.","start":766.11,"end":774.585,"sentiment":"neutral","sentiment_score":-0.12696222240726154}],"sentiment":"neutral","sentiment_score":0.010333368943615273,"num_words":91,"start":745.225,"end":774.585},{"sentences":[{"text":"This is the position we're in.","start":774.585,"end":775.865,"sentiment":"neutral","sentiment_score":-0.14340556785464287},{"text":"Maybe we've got a better alternative here looking at the time frame.","start":775.865,"end":781.305,"sentiment":"neutral","sentiment_score":-0.12547076990207037},{"text":"You know what I mean?","start":781.305,"end":782.185,"sentiment":"neutral","sentiment_score":-0.0494510680437088},{"text":"So yeah.","start":782.185,"end":785.33997,"sentiment":"neutral","sentiment_score":0.059936147183179855},{"text":"Hopefully, it just raises the questions and someone gets back to me soon with that.","start":785.33997,"end":790.45996,"sentiment":"neutral","sentiment_score":0.21632729669411976}],"sentiment":"neutral","sentiment_score":0.01878609396517277,"num_words":40,"start":774.585,"end":790.45996},{"sentences":[{"text":"So Yep.","start":790.45996,"end":801.48505,"sentiment":"neutral","sentiment_score":0.10117138549685478},{"text":"The other the other thing being that that, like, you know, the very brief calculations that I did was that so we've got the money that's required for settlement in there already, you know, but yet now we're gonna be putting it down $2,100 per fortnight after tax contributions into that CMA account, like, why can't or can the SMSF choose to, like, roll out some money back out of that account?","start":824.06,"end":855.435,"sentiment":"neutral","sentiment_score":-0.05843303504581046},{"text":"So, like, if I did the figures on, say, knowing that I need $300,000 on the 10/01/2028, well, theoretically, I can transfer, let's call it, $200,000 out of that account now and just leave the contributions going in there and work out that the contributions themselves are going to get that balance back to where it needs to be for settlement, but the funds that have been transferred out can then go back into a compounding fence somewhere else.","start":855.515,"end":890.185,"sentiment":"neutral","sentiment_score":0.01000739624605903},{"text":"Yeah.","start":911.07,"end":911.57,"sentiment":"neutral","sentiment_score":0.10800927877426147},{"text":"Yeah.","start":911.95,"end":912.45,"sentiment":"neutral","sentiment_score":0.05743902549147606}],"sentiment":"neutral","sentiment_score":-0.019669697707098338,"num_words":155,"start":790.45996,"end":912.45},{"sentences":[{"text":"Yep.","start":924.45496,"end":924.95496,"sentiment":"neutral","sentiment_score":0.06915205717086792},{"text":"Yep.","start":926.855,"end":927.355,"sentiment":"neutral","sentiment_score":0.1547629088163376},{"text":"Yeah.","start":935.07,"end":935.57,"sentiment":"neutral","sentiment_score":0.2943611145019531},{"text":"Yep.","start":935.63,"end":936.13,"sentiment":"neutral","sentiment_score":0.28443264961242676},{"text":"Yep.","start":936.27,"end":936.77,"sentiment":"positive","sentiment_score":0.3446110486984253}],"sentiment":"neutral","sentiment_score":0.22946395576000214,"num_words":5,"start":924.45496,"end":936.77},{"sentences":[{"text":"Yeah.","start":938.19,"end":938.51,"sentiment":"positive","sentiment_score":0.4556391835212707},{"text":"So that was the first kind of just rationalizing that my thought process was going in the right direction there and obviously getting some of your wisdom on that.","start":938.51,"end":950.235,"sentiment":"positive","sentiment_score":0.4622323668465532},{"text":"And I and I think just off the back of because obviously, it's a multi tiered approach that, you know, Infiniti approach you with.","start":951.735,"end":959.16,"sentiment":"neutral","sentiment_score":0.06976321215430896},{"text":"And then we kinda then have to make the decision if after twelve months you go, well, is this putting you in a position that you feel justifies the cost per annum?","start":959.16,"end":974.09503,"sentiment":"neutral","sentiment_score":0.10406669287476689},{"text":"Because, obviously, it's an ongoing annual fee to kind of utilize their system and all that stuff.","start":974.09503,"end":980.655,"sentiment":"neutral","sentiment_score":0.0016727034166893538}],"sentiment":"neutral","sentiment_score":0.18342975770729114,"num_words":103,"start":938.19,"end":980.655},{"sentences":[{"text":"Or and if you choose not to, if you're then locked into investments that are off the plan that are so far in advance, what does that look like if you say, well, we're not gonna go ahead to dig into the journey ongoing.","start":980.655,"end":1000.505,"sentiment":"neutral","sentiment_score":-0.0735603457909416},{"text":"Do you then change loan rates?","start":1002.405,"end":1005.30505,"sentiment":"neutral","sentiment_score":-0.048004851676523685},{"text":"Do you still settle that property with their assistance in two years' time?","start":1005.36505,"end":1009.705,"sentiment":"neutral","sentiment_score":-0.014109933032439305},{"text":"Are they doing it to kind of are they doing it to kind of lock you into staying with them for two and a half years because you have to be with them until you settle?","start":1009.92505,"end":1020.5,"sentiment":"neutral","sentiment_score":0.022517251678638987},{"text":"Like, they're the questions that I don't think a lot of people ask.","start":1020.5,"end":1023.86005,"sentiment":"neutral","sentiment_score":-0.10879805397528869}],"sentiment":"neutral","sentiment_score":-0.03849881335294673,"num_words":112,"start":980.655,"end":1023.86005},{"sentences":[{"text":"A lot of people get just kinda caught up in the hype of it all and don't actually ask them half questions.","start":1023.86005,"end":1030.295,"sentiment":"neutral","sentiment_score":-0.2867578396742994},{"text":"So Yeah.","start":1030.515,"end":1058.4349,"sentiment":"neutral","sentiment_score":-0.017146646976470947},{"text":"Yeah.","start":1058.4349,"end":1058.835,"sentiment":"neutral","sentiment_score":0.1608327329158783},{"text":"Absolutely.","start":1058.835,"end":1059.335,"sentiment":"neutral","sentiment_score":0.24458365142345428},{"text":"And the second oh, just sorry.","start":1060.995,"end":1063.3949,"sentiment":"neutral","sentiment_score":0.005775127870341142}],"sentiment":"neutral","sentiment_score":-0.18446558172581717,"num_words":32,"start":1023.86005,"end":1063.3949},{"sentences":[{"text":"I've cut back to one bar, so I don't know how good the service is, but they should get better in a second.","start":1063.3949,"end":1068.215,"sentiment":"neutral","sentiment_score":-0.059343432602675064},{"text":"And the second part told me was just if I come down on the September 7 as per those emails from QC accounts, they've booked me in for 3PM, then I think if you find there was an email from them or maybe one or two emails from them just asking you to confirm if that worked in with you to have a meeting in the Oakview office on the afternoon of the seventh at 3PM, and we'd be doing my annual review.","start":1070.49,"end":1105.7,"sentiment":"neutral","sentiment_score":0.22286302490855556},{"text":"And Belinda might come down with me, and we'd wrap up my tasks all in the one afternoon.","start":1105.76,"end":1110.66,"sentiment":"neutral","sentiment_score":0.32969201107819873},{"text":"Yep.","start":1114.455,"end":1114.955,"sentiment":"neutral","sentiment_score":0.2542369067668915},{"text":"Yeah.","start":1124.615,"end":1125.015,"sentiment":"neutral","sentiment_score":0.20805200934410095}],"sentiment":"neutral","sentiment_score":0.18674188280212028,"num_words":126,"start":1063.3949,"end":1125.015},{"sentences":[{"text":"I got it.","start":1125.015,"end":1125.335,"sentiment":"neutral","sentiment_score":0.21948969860871634},{"text":"Because I think that was Chris's request was Chris or someone from there.","start":1125.335,"end":1132.27,"sentiment":"neutral","sentiment_score":0.15212769004014823},{"text":"The other lady, I can't remember the name of the top of my head.","start":1132.41,"end":1134.65,"sentiment":"neutral","sentiment_score":-0.07965580054691859},{"text":"But so, yeah, if you're alright with that, if you can shoot them all a reply that we can lock that in, then we'll look at either flights or whether we drive down.","start":1134.65,"end":1147.365,"sentiment":"neutral","sentiment_score":0.11936673967901504},{"text":"We come down on seven, leave on the eighth or something.","start":1149.745,"end":1152.405,"sentiment":"neutral","sentiment_score":0.0380925771526315}],"sentiment":"neutral","sentiment_score":0.07944687319969809,"num_words":74,"start":1125.015,"end":1152.405},{"sentences":[{"text":"Yeah.","start":1175.095,"end":1175.595,"sentiment":"neutral","sentiment_score":0.27449697256088257},{"text":"Yeah.","start":1181.335,"end":1181.8151,"sentiment":"positive","sentiment_score":0.41371843218803406},{"text":"Absolutely, mate.","start":1181.8151,"end":1183.015,"sentiment":"positive","sentiment_score":0.4802279770374298},{"text":"And then and, obviously, the we've got those few things happening with the EA and insurances and all that stuff that's still ongoing.","start":1183.015,"end":1192.11,"sentiment":"neutral","sentiment_score":-0.024529971344315487},{"text":"I'm actually on the on the working group panel that's working between Maritime Safety Queensland, the GPC as the employer, and the union to try and work out what those income and income protection of life insurance and all that are gonna change to based on the changes to the health standard.","start":1192.17,"end":1216.59,"sentiment":"neutral","sentiment_score":0.041174161641930156}],"sentiment":"neutral","sentiment_score":0.04082960029474542,"num_words":79,"start":1175.095,"end":1216.59},{"sentences":[{"text":"If we have a bit of a win there, then it's time to revisit a couple of those things as well.","start":1217.21,"end":1221.63,"sentiment":"neutral","sentiment_score":0.08535595486561458},{"text":"But, yeah, it would be good to just map all that out because there's 50 odd grand sitting in QSuper at the moment, which is it works out that I don't need that or even we maybe do another rollover from QSuper to Hub to boost that back up to $600 kind of thing rather than having that $50 just in there that probably only needs to be 5 or 10 just to keep the insurance as valid as they are right now because there's obviously gonna no more contributions that are gonna go into q two months.","start":1222.49,"end":1256.055,"sentiment":"neutral","sentiment_score":0.13828754995246323},{"text":"So Yeah.","start":1256.055,"end":1278.1799,"sentiment":"neutral","sentiment_score":0.16128002479672432},{"text":"Have a good night.","start":1278.24,"end":1279.28,"sentiment":"positive","sentiment_score":0.583808109164238},{"text":"I'll look forward to it.","start":1279.28,"end":1280.58,"sentiment":"positive","sentiment_score":0.6632539510726929}],"sentiment":"neutral","sentiment_score":0.16399013222410128,"num_words":130,"start":1217.21,"end":1280.58},{"sentences":[{"text":"Yep.","start":1284.585,"end":1285.085,"sentiment":"neutral","sentiment_score":0.17747125029563904},{"text":"Yep.","start":1285.5449,"end":1286.0449,"sentiment":"neutral","sentiment_score":0.1101265549659729},{"text":"Yeah.","start":1291.465,"end":1291.965,"sentiment":"neutral","sentiment_score":0.15113303065299988},{"text":"Okay.","start":1295.1599,"end":1295.5599,"sentiment":"neutral","sentiment_score":0.32035067677497864},{"text":"Thanks very much, mate.","start":1295.5599,"end":1296.6799,"sentiment":"positive","sentiment_score":0.6170538812875748}],"sentiment":"positive","sentiment_score":0.4034121297299862,"num_words":8,"start":1284.585,"end":1296.6799},{"sentences":[{"text":"Always appreciate it so much and your knowledge.","start":1296.6799,"end":1299.02,"sentiment":"positive","sentiment_score":0.6669283509254456},{"text":"I've done the is this supposed to happen at the start before we discuss all my finances?","start":1313.875,"end":1318.2949,"sentiment":"neutral","sentiment_score":0.10091693535008851},{"text":"Yeah.","start":1332.72,"end":1333.22,"sentiment":"neutral","sentiment_score":0.31669893860816956},{"text":"Eight eight to the eighth nineteen eighty three and 457 Jim White Way, Barua, Queensland 4680.","start":1337.605,"end":1344.105,"sentiment":"neutral","sentiment_score":0.05542507069185376},{"text":"Sounds good, mate.","start":1351.6409,"end":1352.4409,"sentiment":"positive","sentiment_score":0.8429398536682129}],"sentiment":"neutral","sentiment_score":0.23962965197861194,"num_words":45,"start":1296.6799,"end":1352.4409},{"sentences":[{"text":"I appreciate it.","start":1352.4409,"end":1353.1609,"sentiment":"positive","sentiment_score":0.866582969824473},{"text":"Thanks, Tommy.","start":1353.1609,"end":1353.8009,"sentiment":"positive","sentiment_score":0.8079155683517456},{"text":"Bye.","start":1353.8009,"end":1354.3009,"sentiment":"positive","sentiment_score":0.5998116731643677}],"sentiment":"positive","sentiment_score":0.8025652865568796,"num_words":6,"start":1352.4409,"end":1354.3009}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Kyle, tell me here, mate. How are you doing?\n\nChannel 1: Good. Thanks. I apologize in the day. This is our reception, but best time to stop shooting up to get Ivan from boarding school, so I'm in the right chance.\n\nChannel 0: That's no worries at all. I can hear you pretty well. Can you hear me alright?\n\nChannel 1: Yeah. Yep. Yep. Yep. How's everything going, mate?\n\nChannel 0: Mate, living the dream. I was just saying today, I've got my little one who's now the middle child. He's he should be getting a cast off his leg this afternoon for a bit of a broken leg. He said, oh, you've had a baby. Let's go break the leg.\n\nSo\n\nChannel 1: Yep. Yeah.\n\nChannel 0: that's what we've had for the last month or so.\n\nChannel 1: Yeah. Yep. Yep. Fantastic. And then all the maya maya had a broken well, she broke the growth plate between her ankle and the bottom of her tibia.\n\nChannel 0: Hello?\n\nChannel 1: So she's been she was in a cast for six or seven weeks as well. So we're just going through the rehab physio with her because, of course, once I've been in the cast for six or seven weeks there,\n\nChannel 0: Oh,\n\nChannel 1: Achilles tendons basically got no spring left in it. They've gotta learn to walk properly again and all that stuff. So,\n\nChannel 0: no. Yeah. That's a big one. Jeez.\n\nChannel 1: yeah, so and bath is good?\n\nChannel 0: Yeah. Mate, fantastic. I think I've kind of lucked out for an easy one for number three. Kinda\n\nChannel 1: Yeah.\n\nChannel 0: got blessed there and said, oh, look. You've you've had all the fun stuff with the first two. Let's give you an easy one to close out the family. So, yeah, Bob's going great.\n\nChannel 1: Oh, that's fantastic. Right? Fantastic.\n\nChannel 0: We actually just came back from North Queensland because we had my mother in law's sixtieth and\n\nChannel 1: Yeah.\n\nChannel 0: took the whole family. Baby didn't cry once on the plane there or back, and Felix\n\nChannel 1: Yeah.\n\nChannel 0: is pretty good with his broken leg. Just wheel chairing around the airport there. So, no, it's been fantastic.\n\nChannel 1: Good stuff, but\n\nChannel 0: Awesome. And how have you been going with all this stuff? I've just looked through all the emails, and looks like you're you're having a fun time at the moment.\n\nChannel 1: Unreal. Yeah. Just, like, obviously, doing the Infiniti thing and and and that's all it's all sort of going okay. You have good months and bad months following their kind of rapid repay, you know, that it's very easy to to get caught up in it all, you know, like, the rapid repay obviously only works when you've got, you know, $7,000 a month extra to kind of bang off your mortgage and some months you do and some months you don't. Things come up\n\nChannel 0: Yeah.\n\nChannel 1: like party and feed and cows and paying for kids trips to Fiji and all that sort of stuff, but they don't kind of factor into any of your calculations. But, yeah, that's all just ticking away.\n\nChannel 0: It's been averaging around alright given enough time.\n\nChannel 1: Yeah. Yeah. I think there's sort of there's definitely a few questions surrounding it. Like, you know, you talk to we've got a few friends that are doing it as well, and that was kind of one of the main catalysts for us to eventually, yeah, give it a crack was that we had a couple of real life examples of people that were doing it.\n\nChannel 0: Yeah.\n\nChannel 1: The the difference being for us, like, obviously, we bought that investment property over in the process, got that contract on that unit in the SMSF. So that's kind of a a bit of a set and forget type thing, but then we're also buying an investment property in Victoria in our personal days.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But the the property that we're buying in Victoria, it's like 876,000. So we did an equity release from our primary property residents and got a $180 redraw that we've used to put towards that. But at settlement, we need $240,000. So, like, they said, it's a target of saving an additional paying an additional 60 k off our home loan in, like, ten months or whatever it was. And we're now getting to the point where we've got, like, nine pay, $4.90 to go, and we still got 30 odd grand to kinda come up with.\n\nChannel 0: Oh, jeez.\n\nChannel 1: And I just kept going back to them going, like, why and and I know the answer, but no one will actually tell me the answer. But it's like, why was the target for us set as buying a $876,000 investment property when equity release was only a $180 where we could have just bought something that was $680 or $700 a unit or a townhouse or whatever else and\n\nChannel 0: Yeah.\n\nChannel 1: not perhaps to come up with that extra money. But fundamentally, it's because they try to maximize your leverage based on your income to write the biggest loan they can write because that's where they make all their money. You know what I mean? So\n\nChannel 0: Yeah. And it\n\nChannel 1: friends\n\nChannel 0: ties\n\nChannel 1: of\n\nChannel 0: into\n\nChannel 1: ours\n\nChannel 0: the\n\nChannel 1: did\n\nChannel 0: repay system to to get you moving towards all those common goals. And if one thing\n\nChannel 1: yeah.\n\nChannel 0: doesn't\n\nChannel 1: Yeah.\n\nChannel 0: line up, it kinda helps it fall down a little bit.\n\nChannel 1: Yeah. So I just probably put a little bit of a sour taste in our mouth with it at the moment just because we know that friends that joined up and everything, they don't have the income that we have. And I've obviously bought an investment property as well. And you sit down and have dinner with them, and it's like they're like, oh, yeah. No.\n\nIt's just like, since we signed up, it's just been, you know, all sunshine and roses. Everything has just sort of ticked along. And then with us, it's like, well, why is it that one couple gets the goal of, well, fuck. You gotta come up with an extra $60 in twelve months versus\n\nChannel 0: Yeah.\n\nChannel 1: the other couple, everything was done from there. Equity release, and it's no stress. So all of a sudden, we go from feeling like we're in a relatively good position financially to feeling this financial stress that we haven't felt for years. You know? So that side\n\nChannel 0: Yeah.\n\nChannel 1: of it, you know, and then you got people turned around and, you know, posting in the in the group like, oh, well, if you only have twelve minute showers, you can save a $156 a year. And I'm like, dude, that's not where I'm at with this. Like, if we wanna go and take our family out to dinner and it's a $156, like, that's what it is. You know? We still wanna do all those things as well as try and make this journey work.\n\nSo,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, time will tell, mate. And then we don't know so I just told him today, like, I gave him some simple figures that said, like, nine pay fortnights as I calculated. We need to come up with $3,333 a fortnight on top of that $6,800 a month mortgage repayment to make your goal of $30 by December, you guys need to have a backup plan that if we don't make that target, what does that look like come settlement time? Because we don't wanna find ourselves in a position where you guys have put us into a property that we've said from the start we realistically don't think we can afford and then find ourselves in a position where we can't settle on something that you've boxed us into kinda thing. So\n\nChannel 0: Yeah. Yep. I get you.\n\nChannel 1: so, yeah, that's all happening there. And then secondly, I just was sitting down doing some, like, life admin the other day, two days ago, whatever, And looked at kinda where we've ended up with the whole SMSF and the rollover and all that, and basically that snapshot that I sent you is pretty much the summary is, well, we've gone and done this partial rollover from, you know, a managed fund with you guys that was doing particularly well to serve as this investment loan. And, you know, realistically, we only needed a $122,000 for the 10% plus whatever the setup fees and cost were. So let's just call it even if it was 200, that would be gracious. But\n\nChannel 0: Yeah.\n\nChannel 1: we went ahead and brought it over $430. So now we've got this $300 sitting in a CMA account earning 2.75% interest for the next two and a half years where, you know and and now we've got our $2,100 a fortnight going into that CMA account, which is kinda sitting there doing nothing. If the money's not needed for another, let's say, two and a half years, nearly, or two point three years to settle the property, I just feel like that would be far better off somewhere else invested, you know, on a leverage basis where it's earning 9% or 10% than sitting there in that CMA account earning 2.75% if it doesn't need to be there.\n\nChannel 0: Yeah. You're almost missing a good $50.60 grand there over a couple of years, potentially.\n\nChannel 1: That's what I calculated at that. Yeah. Between 45 to $50 that it's not earning while it's locked away there. So\n\nChannel 0: Yeah.\n\nChannel 1: I sent that email to New Haven and Infiniti this morning or just before I obviously spoke to you and just said, hey. Like, I know that we've followed this structure. We've set this up and we've done this rollover, but as I calculate it, you know, that's gonna have $435 in it just with contributions and earning immediately 2.75%. Like, if that money is not needed till then, that's two\n\nChannel 0: Yeah.\n\nChannel 1: years that could be invented somewhere else. And what we're not earning with that being on top of the 600 that we've still got, you know, in half or $5.50 or whatever it is plus the 50 in Qsupa,\n\nChannel 0: Mhmm.\n\nChannel 1: like, the earning potential of that is that it could still be $750, earning 10% rather than $550. So\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: And I've\n\nChannel 1: don't\n\nChannel 0: had\n\nChannel 1: know why\n\nChannel 0: people\n\nChannel 1: that was\n\nChannel 0: that\n\nChannel 1: just\n\nChannel 0: keep\n\nChannel 1: massive\n\nChannel 0: cash\n\nChannel 1: rush to roll over.\n\nChannel 0: yeah. I've had people keep cash deposits for six, nine, worst case scenario, twelve months, and and that's a bit of a risk just to have funds sitting there idle for for almost a year kind of thing. And when you get up to the two two plus year mark, you know, if you factor that into a projection or something like that, the the missed out returns there is a bit rough.\n\nChannel 1: Yes.\n\nChannel 0: So I think the idle funds is definitely an issue to to be resolved.\n\nChannel 1: Yeah.\n\nChannel 0: One of the things that, like, when I do my SMSF setups, I'm assuming 2.75%, that's Macquarie, isn't it?\n\nChannel 1: That's just the Macquarie CMA account. Yeah. And even\n\nChannel 0: Yep.\n\nChannel 1: even just asking around that, like, I know ComBank, they have a product that's called, like, the SMSF saver, and it returns 4.75% per annum with a seven day access. So you can basically just say within seven days, you need to roll it out back into your other CMA account. But whilst it's sitting in that other account, it's earning, you know, just under 5%. Even something like that might be more appealing than fucking 2.75%. So whether\n\nChannel 0: Yeah.\n\nChannel 1: there's\n\nChannel 0: So\n\nChannel 1: another product or\n\nChannel 0: this\n\nChannel 1: whatever\n\nChannel 0: is what's\n\nChannel 1: that they\n\nChannel 0: been\n\nChannel 1: have access\n\nChannel 0: missed.\n\nChannel 1: to.\n\nChannel 0: When I look at the so the spread is when I normally do the setups for these strategies, you put the the amount in cash that you need for the property, and you usually link it up with, like, a wrap investment account, possibly with Macquarie too, which is identical to your hub. And then you just get all the excess funds invested into your normal portfolio alongside\n\nChannel 1: Yeah.\n\nChannel 0: the cash account, and you can move it between the two accounts is usually the way to go.\n\nChannel 1: Yep. Yep.\n\nChannel 0: There are other options there as well. So Macquarie do have a similar thing to the to CBA. They've got an accelerator account, which is 4.65.\n\nChannel 1: Yeah.\n\nChannel 0: You've got standard term deposits with ANZ, which are over 5%. You've got credit funds like Latrobe, which are almost 7%. So there's plenty of places to park the cash. You don't wanna be swinging into something high risk if you're gonna need the funds again in one or two years because, again, if you have that big drop, it's not gonna be there.\n\nChannel 1: Yeah.\n\nChannel 0: But there's little\n\nChannel 1: Yeah.\n\nChannel 0: steps up in a low risk environment where you can go from the two to the four to the five\n\nChannel 1: Yeah.\n\nChannel 0: to the six. So\n\nChannel 1: Yeah.\n\nChannel 0: there's\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: places for it.\n\nChannel 1: Yeah. Yeah. And that's that's exactly what I sort of raised that for was just to ask the question, like, is this because even when we went through the initial stuff with, like, New Haven, you know, they said, well, we've got, you know, other access to ETFs and all, like, other, you know, basically wrap wrap accounts and stuff. And it just almost seemed like it's just been a little bit of a sense to get, and then no one's kinda done the follow-up to go, well, actually, hey. This is the position we're in.\n\nMaybe we've got a better alternative here looking at the time frame. You know what I mean? So\n\nChannel 0: Yeah. Adjust the plan a little bit.\n\nChannel 1: yeah. Hopefully, it just raises the questions and someone gets back to me soon with that. So\n\nChannel 0: Yeah. Well, that should be the the simple answer, like, without doing anything too crazy is there's accounts to to bump up the interest a little bit at the very least without\n\nChannel 1: Yep.\n\nChannel 0: risking anything too crazy. Again, you can move between different products and platforms and accounts, but you probably don't wanna be swinging large sums of money back to Hub to invest it for two years and then try and swing it back in time for settlement. But, yeah, at the very least, getting a bit extra interest in there would be nice. And I'll be interested to see what they they come back with because it's it should be a pretty easy idea.\n\nChannel 1: The other the other thing being that that, like, you know, the very brief calculations that I did was that so we've got the money that's required for settlement in there already, you know, but yet now we're gonna be putting it down $2,100 per fortnight after tax contributions into that CMA\n\nChannel 0: Yeah.\n\nChannel 1: account, like, why can't or can the SMSF choose to, like, roll out some money back out of that account? So, like, if I did the figures on, say, knowing that I need $300,000 on the 10/01/2028, well, theoretically, I can transfer, let's call it, $200,000 out of that account now and just leave the contributions going in there and work out that the contributions themselves are going to get that balance back to where it needs to be for settlement, but the\n\nChannel 0: Yeah.\n\nChannel 1: funds that have been transferred out can then go back into a compounding fence somewhere else.\n\nChannel 0: Exactly. Right. So and those two options are either you can swing it back to any other type of account or you just attach one within the SMSF like a wrap internally that can invest in all the same things. And then like you said, you pull out a 100 or 200 into that, and then it's just a matter of look. You may have to sell down a small portion of top it up if the contributions don't get you there.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: most of the time, you just need to make sure that funds are available, you know, five to seven days before settlement so that, you know, once lending's approved, the funds just needed to be available to transfer within that\n\nChannel 1: Yep.\n\nChannel 0: sort of week or two beforehand. And if you've\n\nChannel 1: Yep.\n\nChannel 0: got a settlement date so far in advance, you've got heaps of wiggle room to just move funds around for three, six, twelve months at a time.\n\nChannel 1: Yeah. Yep. Yep. Yeah. So that was the first kind of just rationalizing that my thought process was going in the right direction there and obviously getting some of your wisdom on that.\n\nAnd I and I think just off the back of because obviously, it's a multi tiered approach that, you know, Infiniti approach you with. And then we kinda then have to make the decision if after twelve months you go, well, is this putting you in a position that you feel justifies the cost per annum? Because, obviously, it's an ongoing annual fee to kind of utilize their system and all that stuff. Or\n\nChannel 0: Yeah.\n\nChannel 1: and if you choose not to, if you're then locked into investments that are off the plan that are so far in advance, what does that look like if you say, well, we're not gonna go ahead to dig into the journey ongoing. Do you then change loan rates? Do you still settle that property with their assistance in two years' time?\n\nChannel 0: And\n\nChannel 1: Are\n\nChannel 0: what\n\nChannel 1: they\n\nChannel 0: happens\n\nChannel 1: doing it\n\nChannel 0: is the\n\nChannel 1: to\n\nChannel 0: line\n\nChannel 1: kind\n\nChannel 0: is\n\nChannel 1: of\n\nChannel 0: pulled over in\n\nChannel 1: are\n\nChannel 0: between.\n\nChannel 1: they doing it to kind of lock you into staying with them for two and a half years because you have to be with them until you settle? Like, they're the questions that I don't think a lot of people ask. A lot of people get just kinda caught up in the hype of it all and don't actually ask them half questions. So\n\nChannel 0: And, yeah, it's not like someone's got any data saying that, you know, what proportion of their client base have all these property settlements pushed out twelve, twenty four months at a time versus how many kind of immediate settlement. Because like you said, some people have jumped in low stress, settled on something straight away from an equity release. It'd be interesting to know how how often that actually happens. Is is it just a one off because the property is so good, or is that just a common practice?\n\nChannel 1: Yeah. Yeah. Absolutely. And the second oh, just sorry. I've cut back to one bar, so I don't know how good the service is, but they should get\n\nChannel 0: That's\n\nChannel 1: better\n\nChannel 0: alright.\n\nChannel 1: in a second.\n\nChannel 0: I've gotta duck off in a few minutes anyway.\n\nChannel 1: And the second part told me was just if I come down on the September 7 as per those emails from QC accounts,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: they've booked me in for 3PM, then I think if you find there was an email from them or maybe one or two emails from them just asking you to confirm if that worked in with you to have a meeting in the Oakview office on the afternoon of the seventh at 3PM, and we'd be doing my annual review. And Belinda might come down with me, and we'd wrap up my tasks all in the one afternoon.\n\nChannel 0: Yeah. Yeah. I'm having a look now. I do have\n\nChannel 1: Yep.\n\nChannel 0: some time after 03:00, so that shouldn't be a problem. And we do have some meeting rooms available as well.\n\nChannel 1: Yeah. I got it. Because I think that was Chris's request was Chris or someone from there. The other lady, I can't remember the name of the top of my head. But so, yeah, if you're alright with that, if you can shoot them all a reply that we can lock that in, then we'll look at either flights or whether we drive down.\n\nWe come down on seven, leave on the eighth or something.\n\nChannel 0: Yeah. I'll send an email to them right now. I'm just writing it up. That should be all sweet. And I won't include it in the email, but if you do come down, it would be a good idea for us to kind of just remap out on the whiteboard like we did previously.\n\nNow with the SMSF and the properties and everything, just remap out the assets and goals and everything. And that way, I can\n\nChannel 1: Yeah.\n\nChannel 0: keep a nice snapshot on file, and then we know all the moving parts to keep an eye on.\n\nChannel 1: Yeah. Absolutely, mate. And then and, obviously, the we've got those few things happening with the EA and insurances and all that stuff that's still ongoing. I'm actually on the on the working group panel that's working between Maritime Safety Queensland, the GPC as the employer, and the union to try and work out what those income and income protection of life insurance and all that are gonna change to based\n\nChannel 0: Yeah.\n\nChannel 1: on the changes to the health standard. If we have a bit of a win there, then it's time to revisit a couple of those things as well. But,\n\nChannel 0: Cool.\n\nChannel 1: yeah, it would be good to just map all that out because there's 50 odd grand sitting in QSuper at the moment, which is it works out that I don't need that or even we maybe do another rollover from QSuper to Hub to boost that back up to $600 kind of thing rather than having that $50 just in there that probably only needs to be 5 or 10 just to keep the insurance as valid as they are right now because there's obviously gonna no more contributions that are gonna go into q two months. So\n\nChannel 0: Yeah. So contributions are going to SMSF. We'll talk about the insurances, see how the hub portfolio is tracking properties and SMSF property. And then, yeah, that's why I like to get a nice little flowchart going with everything, keep that on file, and then whenever each section pops up, we can just update the strategy after that.\n\nChannel 1: Yeah. Have a good night. I'll look forward to it.\n\nChannel 0: Cool. Well, I've locked in Monday, 3PM on the seventh, so that's all good.\n\nChannel 1: Yep.\n\nChannel 0: Let\n\nChannel 1: Yep.\n\nChannel 0: me know how you go with the the cash management account interest rates and everything, and\n\nChannel 1: Yeah.\n\nChannel 0: I'll I'll keep an eye on my emails for next week.\n\nChannel 1: Okay. Thanks very much, mate. Always appreciate it so much and your knowledge.\n\nChannel 0: No worries, Carl. And one quick thing before you go, mate. Just want you to quickly just confirm security with me. I'm just we're training some new advisers in to make sure I do all of the security process for your information, and then\n\nChannel 1: I've done\n\nChannel 0: good\n\nChannel 1: the\n\nChannel 0: to go.\n\nChannel 1: is this supposed to happen at the start before we discuss\n\nChannel 0: Yes.\n\nChannel 1: all\n\nChannel 0: It\n\nChannel 1: my finances?\n\nChannel 0: is My my my my senior adviser sorry. My head of adviser is looking at me saying, like, what have you done? Yes. Normally at the start, but I just have such a good fun talking to you.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, mate. If I could just grab date of birth and address.\n\nChannel 1: Eight eight to the eighth nineteen eighty three and 457 Jim White Way, Barua, Queensland 4680.\n\nChannel 0: Perfect. And as always, mate, calls are recorded for training and quality purposes, and I very much look forward to catching up with you soon.\n\nChannel 1: Sounds good, mate. I appreciate it. Thanks, Tommy. Bye.\n\nChannel 0: Have a good weekend, Carl. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.04773903638124466}],"sentiment":"neutral","sentiment_score":0.04773903638124466,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Kyle, tell me here, mate.","start":3.1999998,"end":4.4,"sentiment":"neutral","sentiment_score":0.09130528569221497},{"text":"How are you doing?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.20987464115023613}],"sentiment":"neutral","sentiment_score":0.14400277700689104,"channel":0,"num_words":9,"start":3.1999998,"end":5.2999997},{"sentences":[{"text":"Good.","start":6.0,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5641946792602539},{"text":"Thanks.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5518397092819214},{"text":"I apologize in the day.","start":6.7999997,"end":8.559999,"sentiment":"neutral","sentiment_score":0.07171448767185211},{"text":"This is our reception, but best time to stop shooting up to get Ivan from boarding school, so I'm in the right chance.","start":8.559999,"end":15.299999,"sentiment":"neutral","sentiment_score":0.10101909870686739}],"sentiment":"neutral","sentiment_score":0.12660153657197953,"channel":1,"num_words":30,"start":6.0,"end":15.299999},{"sentences":[{"text":"That's no worries at all.","start":16.055,"end":17.175001,"sentiment":"neutral","sentiment_score":0.2196694016456604},{"text":"I can hear you pretty well.","start":17.175001,"end":18.535,"sentiment":"neutral","sentiment_score":0.16884256651004156},{"text":"Can you hear me alright?","start":18.535,"end":19.675,"sentiment":"neutral","sentiment_score":0.037611421570181845}],"sentiment":"neutral","sentiment_score":0.14371621969621629,"channel":0,"num_words":16,"start":16.055,"end":19.675},{"sentences":[{"text":"Yeah.","start":20.235,"end":20.555,"sentiment":"neutral","sentiment_score":0.04977098107337952},{"text":"Yep.","start":20.555,"end":20.875,"sentiment":"neutral","sentiment_score":0.05170529708266258},{"text":"Yep.","start":20.875,"end":21.195,"sentiment":"neutral","sentiment_score":0.06008395552635193},{"text":"Yep.","start":21.195,"end":21.515,"sentiment":"neutral","sentiment_score":0.08782177418470383},{"text":"How's everything going, mate?","start":21.515,"end":22.975,"sentiment":"neutral","sentiment_score":0.21586652472615242}],"sentiment":"neutral","sentiment_score":0.13910601334646344,"channel":1,"num_words":8,"start":20.235,"end":22.975},{"sentences":[{"text":"Mate, living the dream.","start":23.335,"end":24.555,"sentiment":"positive","sentiment_score":0.36282117664813995},{"text":"I was just saying today, I've got my little one who's now the middle child.","start":25.175,"end":29.415,"sentiment":"neutral","sentiment_score":0.00833983876897643},{"text":"He's he should be getting a cast off his leg this afternoon for a bit of a broken leg.","start":29.415,"end":34.190002,"sentiment":"neutral","sentiment_score":-0.04684578284229103},{"text":"He said, oh, you've had a baby.","start":34.190002,"end":35.39,"sentiment":"neutral","sentiment_score":-0.020964985181178366},{"text":"Let's go break the leg.","start":35.39,"end":36.690002,"sentiment":"neutral","sentiment_score":-0.03290601558983326}],"sentiment":"neutral","sentiment_score":0.007500548798125237,"channel":0,"num_words":50,"start":23.335,"end":36.690002},{"sentences":[{"text":"So","start":36.83,"end":37.33,"sentiment":"neutral","sentiment_score":0.00024101883172988892}],"sentiment":"neutral","sentiment_score":0.00024101883172988892,"channel":0,"num_words":1,"start":36.83,"end":37.33},{"sentences":[{"text":"Yep.","start":36.97,"end":37.47,"sentiment":"neutral","sentiment_score":0.0105133056640625},{"text":"Yeah.","start":37.53,"end":38.03,"sentiment":"neutral","sentiment_score":0.009144164621829988}],"sentiment":"neutral","sentiment_score":0.009828735142946243,"channel":1,"num_words":2,"start":36.97,"end":38.03},{"sentences":[{"text":"that's what we've had for the last month or so.","start":37.55,"end":39.73,"sentiment":"neutral","sentiment_score":0.0005767394401118509}],"sentiment":"neutral","sentiment_score":0.0005767394401118509,"channel":0,"num_words":10,"start":37.55,"end":39.73},{"sentences":[{"text":"Yeah.","start":40.33,"end":40.41,"sentiment":"neutral","sentiment_score":0.03874807059764862},{"text":"Yep.","start":40.41,"end":40.73,"sentiment":"neutral","sentiment_score":0.0530124269425869},{"text":"Yep.","start":40.73,"end":41.23,"sentiment":"neutral","sentiment_score":0.13363750278949738},{"text":"Fantastic.","start":41.37,"end":41.87,"sentiment":"positive","sentiment_score":0.42925459146499634},{"text":"And then all the maya maya had a broken well, she broke the growth plate between her ankle and the bottom of her tibia.","start":42.09,"end":50.465,"sentiment":"neutral","sentiment_score":0.035990431206300855}],"sentiment":"neutral","sentiment_score":0.054229390740926774,"channel":1,"num_words":28,"start":40.33,"end":50.465},{"sentences":[{"text":"Hello?","start":50.925,"end":51.425,"sentiment":"neutral","sentiment_score":0.012463865801692007}],"sentiment":"neutral","sentiment_score":0.012463865801692007,"channel":0,"num_words":1,"start":50.925,"end":51.425},{"sentences":[{"text":"So she's been she was in a cast for six or seven weeks as well.","start":51.005,"end":55.805,"sentiment":"neutral","sentiment_score":-0.0034917184462149938},{"text":"So we're just going through the rehab physio with her because, of course, once I've been in the cast for six or seven weeks there,","start":55.805,"end":63.74,"sentiment":"neutral","sentiment_score":-0.0037272058552480303}],"sentiment":"neutral","sentiment_score":-0.0036388980768606418,"channel":1,"num_words":40,"start":51.005,"end":63.74},{"sentences":[{"text":"Oh,","start":63.9675,"end":64.4675,"sentiment":"neutral","sentiment_score":-0.059959810227155685}],"sentiment":"neutral","sentiment_score":-0.059959810227155685,"channel":0,"num_words":1,"start":63.9675,"end":64.4675},{"sentences":[{"text":"Achilles tendons basically got no spring left in it.","start":65.32,"end":68.28,"sentiment":"neutral","sentiment_score":-0.16503405405415428},{"text":"They've gotta learn to walk properly again and all that stuff.","start":68.28,"end":71.880005,"sentiment":"neutral","sentiment_score":-0.1128488840027289},{"text":"So,","start":71.880005,"end":72.380005,"sentiment":"neutral","sentiment_score":-0.06388241052627563}],"sentiment":"neutral","sentiment_score":-0.13288222004969916,"channel":1,"num_words":21,"start":65.32,"end":72.380005},{"sentences":[{"text":"no.","start":72.355,"end":72.755005,"sentiment":"neutral","sentiment_score":-0.07592344284057617},{"text":"Yeah.","start":72.755005,"end":73.075005,"sentiment":"neutral","sentiment_score":-0.022967353463172913},{"text":"That's a big one.","start":73.075005,"end":73.875,"sentiment":"neutral","sentiment_score":0.012781800702214241},{"text":"Jeez.","start":73.875,"end":74.375,"sentiment":"neutral","sentiment_score":0.051259856671094894}],"sentiment":"neutral","sentiment_score":0.0004994661680289678,"channel":0,"num_words":7,"start":72.355,"end":74.375},{"sentences":[{"text":"yeah, so and bath is good?","start":75.935,"end":78.435,"sentiment":"neutral","sentiment_score":0.0697319358587265}],"sentiment":"neutral","sentiment_score":0.0697319358587265,"channel":1,"num_words":6,"start":75.935,"end":78.435},{"sentences":[{"text":"Yeah.","start":79.635,"end":80.135,"sentiment":"neutral","sentiment_score":0.13932301104068756},{"text":"Mate, fantastic.","start":80.195,"end":81.095,"sentiment":"positive","sentiment_score":0.4217897951602936},{"text":"I think I've kind of lucked out for an easy one for number 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life admin the other day, two days ago, whatever, And looked at kinda where we've ended up with the whole SMSF and the rollover and all that, and basically that snapshot that I sent you is pretty much the summary is, well, we've gone and done this partial rollover from, you know, a managed fund with you guys that was doing particularly well to serve as this investment loan.","start":451.4,"end":481.15002,"sentiment":"neutral","sentiment_score":0.06236667735502124},{"text":"And, you know, realistically, we only needed a $122,000 for the 10% plus whatever the setup fees and cost were.","start":481.15002,"end":489.39,"sentiment":"neutral","sentiment_score":0.005860710772685707},{"text":"So let's just call it even if it was 200, that would be 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we've done this rollover, but as I calculate it, you know, that's gonna have $435 in it just with contributions and earning immediately 2.75%.","start":569.74005,"end":581.35504,"sentiment":"neutral","sentiment_score":0.015214939418064174},{"text":"Like, if that money is not needed till then, that's two","start":581.35504,"end":584.875,"sentiment":"neutral","sentiment_score":-0.05633687837557359}],"sentiment":"neutral","sentiment_score":-0.0024326975538533076,"channel":1,"num_words":71,"start":558.86005,"end":584.875},{"sentences":[{"text":"Yeah.","start":584.765,"end":585.12,"sentiment":"neutral","sentiment_score":-0.128995880484581}],"sentiment":"neutral","sentiment_score":-0.128995880484581,"channel":0,"num_words":1,"start":584.765,"end":585.12},{"sentences":[{"text":"years that could be invented somewhere else.","start":584.875,"end":587.13,"sentiment":"neutral","sentiment_score":-0.2766449238572802},{"text":"And what we're not earning with that being on top of the 600 that we've 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to roll over.","start":610.775,"end":612.075,"sentiment":"negative","sentiment_score":-0.5302239060401917}],"sentiment":"negative","sentiment_score":-0.5302239060401917,"channel":1,"num_words":4,"start":610.775,"end":612.075},{"sentences":[{"text":"yeah.","start":612.78503,"end":613.105,"sentiment":"neutral","sentiment_score":-0.1054144650697708},{"text":"I've had people keep cash deposits for six, nine, worst case scenario, twelve months, and and that's a bit of a risk just to have funds sitting there idle for for almost a year kind of thing.","start":613.105,"end":625.54004,"sentiment":"negative","sentiment_score":-0.3718840959104332},{"text":"And when you get up to the two two plus year mark, you know, if you factor that into a projection or something like that, the the missed out returns there is a bit rough.","start":625.54004,"end":635.155,"sentiment":"negative","sentiment_score":-0.3908001720905304}],"sentiment":"negative","sentiment_score":-0.37730317858800494,"channel":0,"num_words":73,"start":612.78503,"end":635.155},{"sentences":[{"text":"Yes.","start":635.915,"end":636.415,"sentiment":"neutral","sentiment_score":-0.2524288296699524}],"sentiment":"neutral","sentiment_score":-0.2524288296699524,"channel":1,"num_words":1,"start":635.915,"end":636.415},{"sentences":[{"text":"So I think the idle funds is definitely an issue to to be 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within seven days, you need to roll it out back into your other CMA account.","start":664.475,"end":670.01495,"sentiment":"neutral","sentiment_score":0.12000127597933724},{"text":"But whilst it's sitting in that other account, it's earning, you know, just under 5%.","start":670.31,"end":674.32996,"sentiment":"neutral","sentiment_score":0.03346496565888325},{"text":"Even something like that might be more appealing than fucking 2.75%.","start":674.55,"end":679.43,"sentiment":"neutral","sentiment_score":-0.1186041229150512},{"text":"So 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to your hub.","start":684.435,"end":699.15,"sentiment":"neutral","sentiment_score":0.11018170057883803},{"text":"And then you just get all the excess funds invested into your normal portfolio alongside","start":699.31,"end":703.89,"sentiment":"neutral","sentiment_score":0.12648256321748097}],"sentiment":"neutral","sentiment_score":0.11377747910206809,"channel":0,"num_words":68,"start":684.435,"end":703.89},{"sentences":[{"text":"Yeah.","start":703.74005,"end":704.24005,"sentiment":"neutral","sentiment_score":0.14865487813949585}],"sentiment":"neutral","sentiment_score":0.14865487813949585,"channel":1,"num_words":1,"start":703.74005,"end":704.24005},{"sentences":[{"text":"the cash account, and you can move it between the two accounts is usually the way to go.","start":703.95,"end":709.09,"sentiment":"neutral","sentiment_score":0.19200721362398732}],"sentiment":"neutral","sentiment_score":0.19200721362398732,"channel":0,"num_words":18,"start":703.95,"end":709.09},{"sentences":[{"text":"Yep.","start":709.18005,"end":709.66003,"sentiment":"neutral","sentiment_score":0.19937443733215332},{"text":"Yep.","start":709.66003,"end":710.16003,"sentiment":"neutral","sentiment_score":0.21132692694664}],"sentiment":"neutral","sentiment_score":0.20535068213939667,"channel":1,"num_words":2,"start":709.18005,"end":710.16003},{"sentences":[{"text":"There are other options there as well.","start":709.95,"end":711.47003,"sentiment":"neutral","sentiment_score":0.19268068139042174},{"text":"So Macquarie do have a similar thing to the to CBA.","start":711.47003,"end":715.505,"sentiment":"neutral","sentiment_score":0.17963530394163998},{"text":"They've got an accelerator account, which is 4.65.","start":715.505,"end":718.565,"sentiment":"neutral","sentiment_score":0.16644902806729078}],"sentiment":"neutral","sentiment_score":0.1790902052934353,"channel":0,"num_words":26,"start":709.95,"end":718.565},{"sentences":[{"text":"Yeah.","start":719.215,"end":719.715,"sentiment":"neutral","sentiment_score":0.1599897742271423}],"sentiment":"neutral","sentiment_score":0.1599897742271423,"channel":1,"num_words":1,"start":719.215,"end":719.715},{"sentences":[{"text":"You've got standard term deposits with ANZ, which are over 5%.","start":719.825,"end":723.905,"sentiment":"neutral","sentiment_score":0.1609851602803577},{"text":"You've got credit funds like Latrobe, which are almost 7%.","start":723.905,"end":727.28503,"sentiment":"positive","sentiment_score":0.3637917071580887},{"text":"So there's plenty of places to park the cash.","start":727.38,"end":729.3,"sentiment":"positive","sentiment_score":0.4534122612741258},{"text":"You don't wanna be swinging into something high risk if you're gonna need the funds again in one or two years because, again, if you have that big drop, it's not gonna be there.","start":729.3,"end":737.78,"sentiment":"neutral","sentiment_score":-0.2341371156165705}],"sentiment":"neutral","sentiment_score":0.023887535237008706,"channel":0,"num_words":64,"start":719.825,"end":737.78},{"sentences":[{"text":"Yeah.","start":737.69,"end":738.19,"sentiment":"neutral","sentiment_score":0.09226730465888976}],"sentiment":"neutral","sentiment_score":0.09226730465888976,"channel":1,"num_words":1,"start":737.69,"end":738.19},{"sentences":[{"text":"But there's 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might come down with me, and we'd wrap up my tasks all in the one afternoon.","start":1105.76,"end":1110.66,"sentiment":"neutral","sentiment_score":0.32969201107819873}],"sentiment":"neutral","sentiment_score":0.30243554214636487,"channel":1,"num_words":78,"start":1083.2101,"end":1110.66},{"sentences":[{"text":"Yeah.","start":1111.525,"end":1111.845,"sentiment":"neutral","sentiment_score":0.21407923102378845},{"text":"Yeah.","start":1111.845,"end":1112.165,"sentiment":"neutral","sentiment_score":0.21474844217300415},{"text":"I'm having a look now.","start":1112.165,"end":1113.625,"sentiment":"neutral","sentiment_score":0.21822578608989715},{"text":"I do have","start":1113.685,"end":1114.485,"sentiment":"neutral","sentiment_score":0.24363018572330475}],"sentiment":"neutral","sentiment_score":0.22508471608161926,"channel":0,"num_words":10,"start":1111.525,"end":1114.485},{"sentences":[{"text":"Yep.","start":1114.455,"end":1114.955,"sentiment":"neutral","sentiment_score":0.2542369067668915}],"sentiment":"neutral","sentiment_score":0.2542369067668915,"channel":1,"num_words":1,"start":1114.455,"end":1114.955},{"sentences":[{"text":"some time after 03:00, so that shouldn't be a problem.","start":1114.485,"end":1117.9451,"sentiment":"positive","sentiment_score":0.3374201491475105},{"text":"And we do have some meeting rooms available as well.","start":1118.405,"end":1123.11,"sentiment":"neutral","sentiment_score":0.2651955261826515}],"sentiment":"neutral","sentiment_score":0.301307837665081,"channel":0,"num_words":20,"start":1114.485,"end":1123.11},{"sentences":[{"text":"Yeah.","start":1124.615,"end":1125.015,"sentiment":"neutral","sentiment_score":0.20805200934410095},{"text":"I got it.","start":1125.015,"end":1125.335,"sentiment":"neutral","sentiment_score":0.21948969860871634},{"text":"Because I think that was Chris's request was Chris or someone from there.","start":1125.335,"end":1132.27,"sentiment":"neutral","sentiment_score":0.15212769004014823},{"text":"The other lady, I can't remember the name of the top of my head.","start":1132.41,"end":1134.65,"sentiment":"neutral","sentiment_score":-0.07965580054691859},{"text":"But so, yeah, if you're alright with that, if you can shoot them all a reply that we can lock that in, then we'll look at either flights or whether we drive down.","start":1134.65,"end":1147.365,"sentiment":"neutral","sentiment_score":0.11936673967901504}],"sentiment":"neutral","sentiment_score":0.08856409808504395,"channel":1,"num_words":64,"start":1124.615,"end":1147.365},{"sentences":[{"text":"We come down on seven, leave on the eighth or something.","start":1149.745,"end":1152.405,"sentiment":"neutral","sentiment_score":0.0380925771526315}],"sentiment":"neutral","sentiment_score":0.0380925771526315,"channel":1,"num_words":11,"start":1149.745,"end":1152.405},{"sentences":[{"text":"Yeah.","start":1153.14,"end":1153.62,"sentiment":"neutral","sentiment_score":0.21811240911483765},{"text":"I'll send an email to them right now.","start":1153.62,"end":1155.3,"sentiment":"neutral","sentiment_score":0.32298053801059723},{"text":"I'm just writing it up.","start":1155.3,"end":1156.68,"sentiment":"positive","sentiment_score":0.3726674675941467},{"text":"That should be all sweet.","start":1157.9401,"end":1159.545,"sentiment":"positive","sentiment_score":0.7678257107734681},{"text":"And I won't include it in the email, but if you do come down, it would be a good idea for us to kind of just remap out on the whiteboard like we did previously.","start":1159.785,"end":1168.8451,"sentiment":"neutral","sentiment_score":0.24264129932437625}],"sentiment":"neutral","sentiment_score":0.31475681632205293,"channel":0,"num_words":54,"start":1153.14,"end":1168.8451},{"sentences":[{"text":"Now with the SMSF and the properties and everything, just remap out the assets and goals and everything.","start":1169.2251,"end":1174.2051,"sentiment":"neutral","sentiment_score":0.26510884281661773},{"text":"And that way, I can","start":1174.29,"end":1175.25,"sentiment":"neutral","sentiment_score":0.2419326812028885}],"sentiment":"neutral","sentiment_score":0.2600705468136331,"channel":0,"num_words":23,"start":1169.2251,"end":1175.25},{"sentences":[{"text":"Yeah.","start":1175.095,"end":1175.595,"sentiment":"neutral","sentiment_score":0.27449697256088257}],"sentiment":"neutral","sentiment_score":0.27449697256088257,"channel":1,"num_words":1,"start":1175.095,"end":1175.595},{"sentences":[{"text":"keep a nice snapshot on file, and then we know all the moving parts to keep an eye on.","start":1175.25,"end":1180.55,"sentiment":"positive","sentiment_score":0.48470522855457504}],"sentiment":"positive","sentiment_score":0.48470522855457504,"channel":0,"num_words":19,"start":1175.25,"end":1180.55},{"sentences":[{"text":"Yeah.","start":1181.335,"end":1181.8151,"sentiment":"positive","sentiment_score":0.41371843218803406},{"text":"Absolutely, mate.","start":1181.8151,"end":1183.015,"sentiment":"positive","sentiment_score":0.4802279770374298},{"text":"And then and, obviously, the we've got those few things happening with the EA and insurances and all that stuff that's still ongoing.","start":1183.015,"end":1192.11,"sentiment":"neutral","sentiment_score":-0.024529971344315487},{"text":"I'm actually on the on the working group panel that's working between Maritime Safety Queensland, the GPC as the employer, and the union to try and work out what those income and income protection of life insurance and all that are gonna change to based","start":1192.17,"end":1214.73,"sentiment":"neutral","sentiment_score":0.042371934031446776}],"sentiment":"neutral","sentiment_score":0.03826369122195412,"channel":1,"num_words":71,"start":1181.335,"end":1214.73},{"sentences":[{"text":"Yeah.","start":1214.67,"end":1214.985,"sentiment":"neutral","sentiment_score":0.030884454026818275}],"sentiment":"neutral","sentiment_score":0.030884454026818275,"channel":0,"num_words":1,"start":1214.67,"end":1214.985},{"sentences":[{"text":"on the changes to the health standard.","start":1214.73,"end":1216.59,"sentiment":"neutral","sentiment_score":0.03347419628075191},{"text":"If we have a bit of a win there, then it's time to revisit a couple of those things as well.","start":1217.21,"end":1221.63,"sentiment":"neutral","sentiment_score":0.08535595486561458},{"text":"But,","start":1222.49,"end":1222.99,"sentiment":"neutral","sentiment_score":0.08608201146125793}],"sentiment":"neutral","sentiment_score":0.07285780819325612,"channel":1,"num_words":29,"start":1214.73,"end":1222.99},{"sentences":[{"text":"Cool.","start":1223.145,"end":1223.645,"sentiment":"neutral","sentiment_score":0.23192188143730164}],"sentiment":"neutral","sentiment_score":0.23192188143730164,"channel":0,"num_words":1,"start":1223.145,"end":1223.645},{"sentences":[{"text":"yeah, it would be good to just map all that out because there's 50 odd grand sitting in QSuper at the moment, which is it works out that I don't need that or even we maybe do another rollover from QSuper to Hub to boost that back up to $600 kind of thing rather than having that $50 just in there that probably only needs to be 5 or 10 just to keep the insurance as valid as they are right now because there's obviously gonna no more contributions that are gonna go into q two months.","start":1225.13,"end":1256.055,"sentiment":"neutral","sentiment_score":0.1388257513802076},{"text":"So","start":1256.055,"end":1256.555,"sentiment":"neutral","sentiment_score":0.046574391424655914}],"sentiment":"neutral","sentiment_score":0.1378844109724979,"channel":1,"num_words":98,"start":1225.13,"end":1256.555},{"sentences":[{"text":"Yeah.","start":1257.43,"end":1257.8301,"sentiment":"neutral","sentiment_score":0.06088796257972717},{"text":"So contributions are going to SMSF.","start":1257.8301,"end":1260.17,"sentiment":"neutral","sentiment_score":0.09014647454023361},{"text":"We'll talk about the insurances, see how the hub portfolio is tracking properties and SMSF property.","start":1260.47,"end":1267.1549,"sentiment":"neutral","sentiment_score":0.10801305947825313},{"text":"And then, yeah, that's why I like to get a nice little flowchart going with everything, keep that on file, and then whenever each section pops up, we can just update the strategy after that.","start":1267.455,"end":1276.95,"sentiment":"neutral","sentiment_score":0.1804585995418685}],"sentiment":"neutral","sentiment_score":0.1490694266454927,"channel":0,"num_words":58,"start":1257.43,"end":1276.95},{"sentences":[{"text":"Yeah.","start":1277.6799,"end":1278.1799,"sentiment":"neutral","sentiment_score":0.2759856581687927},{"text":"Have a good night.","start":1278.24,"end":1279.28,"sentiment":"positive","sentiment_score":0.583808109164238},{"text":"I'll look forward to it.","start":1279.28,"end":1280.58,"sentiment":"positive","sentiment_score":0.6632539510726929}],"sentiment":"positive","sentiment_score":0.5927487850189209,"channel":1,"num_words":10,"start":1277.6799,"end":1280.58},{"sentences":[{"text":"Cool.","start":1280.87,"end":1281.0299,"sentiment":"positive","sentiment_score":0.4960026741027832},{"text":"Well, I've locked in Monday, 3PM on the seventh, so that's all good.","start":1281.0299,"end":1284.97,"sentiment":"positive","sentiment_score":0.3608064582714668}],"sentiment":"positive","sentiment_score":0.37046333083084654,"channel":0,"num_words":14,"start":1280.87,"end":1284.97},{"sentences":[{"text":"Yep.","start":1284.585,"end":1285.085,"sentiment":"neutral","sentiment_score":0.17747125029563904}],"sentiment":"neutral","sentiment_score":0.17747125029563904,"channel":1,"num_words":1,"start":1284.585,"end":1285.085},{"sentences":[{"text":"Let","start":1285.51,"end":1285.75,"sentiment":"neutral","sentiment_score":0.12227208912372588}],"sentiment":"neutral","sentiment_score":0.12227208912372588,"channel":0,"num_words":1,"start":1285.51,"end":1285.75},{"sentences":[{"text":"Yep.","start":1285.5449,"end":1286.0449,"sentiment":"neutral","sentiment_score":0.1101265549659729}],"sentiment":"neutral","sentiment_score":0.1101265549659729,"channel":1,"num_words":1,"start":1285.5449,"end":1286.0449},{"sentences":[{"text":"me know how you go with the the cash management account interest rates and everything, and","start":1285.75,"end":1291.615,"sentiment":"neutral","sentiment_score":0.1051043183542788}],"sentiment":"neutral","sentiment_score":0.1051043183542788,"channel":0,"num_words":16,"start":1285.75,"end":1291.615},{"sentences":[{"text":"Yeah.","start":1291.465,"end":1291.965,"sentiment":"neutral","sentiment_score":0.15113303065299988}],"sentiment":"neutral","sentiment_score":0.15113303065299988,"channel":1,"num_words":1,"start":1291.465,"end":1291.965},{"sentences":[{"text":"I'll I'll keep an eye on my emails for next week.","start":1292.155,"end":1294.495,"sentiment":"neutral","sentiment_score":0.168450035832145}],"sentiment":"neutral","sentiment_score":0.168450035832145,"channel":0,"num_words":11,"start":1292.155,"end":1294.495},{"sentences":[{"text":"Okay.","start":1295.1599,"end":1295.5599,"sentiment":"neutral","sentiment_score":0.32035067677497864},{"text":"Thanks very much, mate.","start":1295.5599,"end":1296.6799,"sentiment":"positive","sentiment_score":0.6170538812875748},{"text":"Always appreciate it so much and your knowledge.","start":1296.6799,"end":1299.02,"sentiment":"positive","sentiment_score":0.6669283509254456}],"sentiment":"positive","sentiment_score":0.6249225391791418,"channel":1,"num_words":13,"start":1295.1599,"end":1299.02},{"sentences":[{"text":"No worries, Carl.","start":1299.915,"end":1300.635,"sentiment":"neutral","sentiment_score":0.20815167327721915},{"text":"And one quick thing before you go, mate.","start":1300.635,"end":1302.495,"sentiment":"neutral","sentiment_score":0.11132122948765755},{"text":"Just want you to quickly just confirm security with me.","start":1303.4299,"end":1306.07,"sentiment":"neutral","sentiment_score":0.12157414630055427},{"text":"I'm just we're training some new advisers in to make sure I do all of the security process for your information, and then","start":1306.07,"end":1314.15,"sentiment":"neutral","sentiment_score":0.21628733756749527}],"sentiment":"neutral","sentiment_score":0.17512216097251934,"channel":0,"num_words":44,"start":1299.915,"end":1314.15},{"sentences":[{"text":"I've done","start":1313.875,"end":1314.275,"sentiment":"positive","sentiment_score":0.36917437613010406}],"sentiment":"positive","sentiment_score":0.36917437613010406,"channel":1,"num_words":2,"start":1313.875,"end":1314.275},{"sentences":[{"text":"good","start":1314.15,"end":1314.3099,"sentiment":"positive","sentiment_score":0.3866470158100128}],"sentiment":"positive","sentiment_score":0.3866470158100128,"channel":0,"num_words":1,"start":1314.15,"end":1314.3099},{"sentences":[{"text":"the","start":1314.275,"end":1314.4349,"sentiment":"positive","sentiment_score":0.364343523979187}],"sentiment":"positive","sentiment_score":0.364343523979187,"channel":1,"num_words":1,"start":1314.275,"end":1314.4349},{"sentences":[{"text":"to go.","start":1314.3099,"end":1314.97,"sentiment":"neutral","sentiment_score":0.280933253467083}],"sentiment":"neutral","sentiment_score":0.280933253467083,"channel":0,"num_words":2,"start":1314.3099,"end":1314.97},{"sentences":[{"text":"is this supposed to happen at the start before we discuss","start":1314.515,"end":1317.475,"sentiment":"neutral","sentiment_score":0.04948782074180516}],"sentiment":"neutral","sentiment_score":0.04948782074180516,"channel":1,"num_words":11,"start":1314.515,"end":1317.475},{"sentences":[{"text":"Yes.","start":1317.11,"end":1317.59,"sentiment":"neutral","sentiment_score":0.037553027272224426}],"sentiment":"neutral","sentiment_score":0.037553027272224426,"channel":0,"num_words":1,"start":1317.11,"end":1317.59},{"sentences":[{"text":"all","start":1317.475,"end":1317.635,"sentiment":"neutral","sentiment_score":0.019642796367406845}],"sentiment":"neutral","sentiment_score":0.019642796367406845,"channel":1,"num_words":1,"start":1317.475,"end":1317.635},{"sentences":[{"text":"It","start":1317.59,"end":1317.83,"sentiment":"neutral","sentiment_score":0.016095058992505074}],"sentiment":"neutral","sentiment_score":0.016095058992505074,"channel":0,"num_words":1,"start":1317.59,"end":1317.83},{"sentences":[{"text":"my finances?","start":1317.635,"end":1318.2949,"sentiment":"neutral","sentiment_score":0.024443400092422962}],"sentiment":"neutral","sentiment_score":0.024443400092422962,"channel":1,"num_words":2,"start":1317.635,"end":1318.2949},{"sentences":[{"text":"is My my my my senior adviser sorry.","start":1317.83,"end":1321.9851,"sentiment":"neutral","sentiment_score":0.008291561505757272},{"text":"My head of adviser is looking at me saying, like, what have you done?","start":1321.9851,"end":1325.4451,"sentiment":"neutral","sentiment_score":0.09354684435363327},{"text":"Yes.","start":1326.625,"end":1326.9451,"sentiment":"neutral","sentiment_score":0.18655413389205933},{"text":"Normally at the start, but I just have such a good fun talking to you.","start":1326.9451,"end":1330.245,"sentiment":"positive","sentiment_score":0.44139496485392254}],"sentiment":"neutral","sentiment_score":0.21535439262362688,"channel":0,"num_words":38,"start":1317.83,"end":1330.245},{"sentences":[{"text":"Yeah.","start":1332.72,"end":1333.22,"sentiment":"neutral","sentiment_score":0.31669893860816956}],"sentiment":"neutral","sentiment_score":0.31669893860816956,"channel":1,"num_words":1,"start":1332.72,"end":1333.22},{"sentences":[{"text":"Oh, mate.","start":1334.05,"end":1334.37,"sentiment":"neutral","sentiment_score":0.17655082046985626},{"text":"If I could just grab date of birth and address.","start":1334.37,"end":1336.63,"sentiment":"neutral","sentiment_score":0.10481527969241142}],"sentiment":"neutral","sentiment_score":0.1167712031553189,"channel":0,"num_words":12,"start":1334.05,"end":1336.63},{"sentences":[{"text":"Eight eight to the eighth nineteen eighty three and 457 Jim White Way, Barua, Queensland 4680.","start":1337.605,"end":1344.105,"sentiment":"neutral","sentiment_score":0.05542507069185376}],"sentiment":"neutral","sentiment_score":0.05542507069185376,"channel":1,"num_words":16,"start":1337.605,"end":1344.105},{"sentences":[{"text":"Perfect.","start":1344.77,"end":1345.17,"sentiment":"positive","sentiment_score":0.7285513281822205},{"text":"And as always, mate, calls are recorded for training and quality purposes, and I very much look forward to catching up with you soon.","start":1345.17,"end":1351.0851,"sentiment":"positive","sentiment_score":0.4877724839995305}],"sentiment":"positive","sentiment_score":0.49740363776683805,"channel":0,"num_words":25,"start":1344.77,"end":1351.0851},{"sentences":[{"text":"Sounds good, mate.","start":1351.6409,"end":1352.4409,"sentiment":"positive","sentiment_score":0.8429398536682129},{"text":"I appreciate it.","start":1352.4409,"end":1353.1609,"sentiment":"positive","sentiment_score":0.866582969824473},{"text":"Thanks, Tommy.","start":1353.1609,"end":1353.8009,"sentiment":"positive","sentiment_score":0.8079155683517456},{"text":"Bye.","start":1353.8009,"end":1354.3009,"sentiment":"positive","sentiment_score":0.5998116731643677}],"sentiment":"positive","sentiment_score":0.8160234755939908,"channel":1,"num_words":9,"start":1351.6409,"end":1354.3009},{"sentences":[{"text":"Have a good weekend, Carl.","start":1354.265,"end":1355.305,"sentiment":"positive","sentiment_score":0.7086057305335999},{"text":"Bye.","start":1355.305,"end":1355.805,"sentiment":"neutral","sentiment_score":-0.12107188254594804}],"sentiment":"positive","sentiment_score":0.5703261283536752,"channel":0,"num_words":6,"start":1354.265,"end":1355.805}]},"summary":{"result":"success","short":"The caller discusses their upcoming appointment and recent experience with similar events with the representative. They also mention their desire to take a family leave and the importance of maximizing leverage to achieve their goals. The conversation turns to the financial stress of their investment property and the potential risks of losing money if they roll over. The speaker suggests investing in a plan that is not earning and exploring other options for investment. They also discuss the process of setting up a loan and keeping funds available for settlement. The speaker plans to update their strategy and confirm security with the customer. They express excitement to catch up soon."},"intents":{"segments":[{"text":"We actually just came back from North Queensland because we had my mother in law's sixtieth and Yeah. took the whole family.","start_word":289,"end_word":310,"intents":[{"intent":"Complete reunion","confidence_score":0.000046656744}]},{"text":"But at settlement, we need $240,000. So, like, they said, it's a target of saving an additional paying an additional 60 k off our home loan in, like, ten months or whatever it was. And we're now getting to the point where we've got, like, nine pay, $4.90 to go, and we still got 30 odd grand to kinda come up with. Oh, jeez.","start_word":666,"end_word":729,"intents":[{"intent":"Get extra money","confidence_score":0.0014507812}]},{"text":"But fundamentally, it's because they try to maximize your leverage based on your income to write the biggest loan they can write because that's where they make all their money. You know what I mean?","start_word":809,"end_word":843,"intents":[{"intent":"Maximize leverage","confidence_score":0.072636016}]},{"text":"And it friends ties of into ours the did repay system to to get you moving towards all those common goals. And if one thing yeah. doesn't Yeah. line up, it kinda helps it fall down a little bit. Yeah.","start_word":846,"end_word":885,"intents":[{"intent":"Improve goals","confidence_score":0.0007478904}]},{"text":"So all of a sudden, we go from feeling like we're in a relatively good position financially to feeling this financial stress that we haven't felt for years. You know?","start_word":1021,"end_word":1050,"intents":[{"intent":"Discuss financial stress","confidence_score":0.10488655},{"intent":"Consolidate and plan for financial stress","confidence_score":0.0000081309145}]},{"text":"We need to come up with $3,333 a fortnight on top of that $6,800 a month mortgage repayment to make your goal of $30 by December, you guys need to have a backup plan that if we don't make that target, what does that look like come settlement time?","start_word":1175,"end_word":1223,"intents":[{"intent":"Calculate repayment plan","confidence_score":0.0013613076},{"intent":"Plan for settlement time","confidence_score":0.00172922}]},{"text":"Yep.","start_word":1277,"end_word":1277,"intents":[{"intent":"Discuss portfolio progress","confidence_score":0.0035722256}]},{"text":"I get you. so, yeah, that's all happening there.","start_word":1278,"end_word":1286,"intents":[{"intent":"Discuss ssf rollover","confidence_score":0.045067757}]},{"text":"You're almost missing a good $50.60 grand there over a couple of years, potentially. That's what I calculated at that. Yeah.","start_word":1523,"end_word":1543,"intents":[{"intent":"Calculate savings","confidence_score":0.11819746}]},{"text":"And that's that's exactly what I sort of raised that for was just to ask the question, like, is this because even when we went through the initial stuff with, like, New Haven, you know, they said, well, we've got, you know, other access to ETFs and all, like, other, you know, basically wrap wrap accounts and stuff.","start_word":2143,"end_word":2200,"intents":[{"intent":"Ask question","confidence_score":0.010573566}]},{"text":"Adjust the plan a little bit. yeah. Hopefully, it just raises the questions and someone gets back to me soon with that. So Yeah.","start_word":2256,"end_word":2279,"intents":[{"intent":"Reassert plan adjustment","confidence_score":2.5381004e-7}]},{"text":"Again, you can move between different products and platforms and accounts, but you probably don't wanna be swinging large sums of money back to Hub to invest it for two years and then try and swing it back in time for settlement.","start_word":2316,"end_word":2357,"intents":[{"intent":"Speculate settlement plan","confidence_score":0.000002626801}]},{"text":"Again, you can move between different products and platforms and accounts, but you probably don't wanna be swinging large sums of money back to Hub to invest it for two years and then try and swing it back in time for settlement. But, yeah, at the very least, getting a bit extra interest in there would be nice.","start_word":2316,"end_word":2373,"intents":[{"intent":"Express interest in investments","confidence_score":0.030420199}]},{"text":"Again, you can move between different products and platforms and accounts, but you probably don't wanna be swinging large sums of money back to Hub to invest it for two years and then try and swing it back in time for settlement. But, yeah, at the very least, getting a bit extra interest in there would be nice. And I'll be interested to see what they they come back with because it's it should be a pretty easy idea.","start_word":2316,"end_word":2394,"intents":[{"intent":"Offer new options","confidence_score":0.00006578669}]},{"text":"And I'll be interested to see what they they come back with because it's it should be a pretty easy idea.","start_word":2374,"end_word":2394,"intents":[{"intent":"Express interest","confidence_score":0.056429867}]},{"text":"The other the other thing being that that, like, you know, the very brief calculations that I did was that so we've got the money that's required for settlement in there already, you know, but yet now we're gonna be putting it down $2,100 per fortnight after tax contributions into that Yeah.","start_word":2396,"end_word":2447,"intents":[{"intent":"Maximize settlement funds","confidence_score":0.0006536402}]},{"text":"And the second oh, just sorry. I've cut back to one bar, so I don't know how good the service is, but they should get That's better alright.","start_word":3058,"end_word":3085,"intents":[{"intent":"Evaluate service quality","confidence_score":0.0076918593}]},{"text":"they've booked me in for 3PM, then I think if you find there was an email from them or maybe one or two emails from them just asking you to confirm if that worked in with you to have a meeting in the Oakview office on the afternoon of the seventh at 3PM, and we'd be doing my annual review. And Belinda might come down with me, and we'd wrap up my tasks all in the one afternoon. Yeah.","start_word":3123,"end_word":3201,"intents":[{"intent":"Manage activity","confidence_score":0.000053200834}]},{"text":"they've booked me in for 3PM, then I think if you find there was an email from them or maybe one or two emails from them just asking you to confirm if that worked in with you to have a meeting in the Oakview office on the afternoon of the seventh at 3PM, and we'd be doing my annual review. And Belinda might come down with me, and we'd wrap up my tasks all in the one afternoon. Yeah. Yeah.","start_word":3123,"end_word":3202,"intents":[{"intent":"Confirm booking","confidence_score":0.22813495}]},{"text":"And Belinda might come down with me, and we'd wrap up my tasks all in the one afternoon. Yeah.","start_word":3183,"end_word":3201,"intents":[{"intent":"Identify tasks","confidence_score":0.0024906138}]},{"text":"Yeah.","start_word":3307,"end_word":3307,"intents":[{"intent":"Send reply","confidence_score":0.011581544}]},{"text":"So contributions are going to SMSF. We'll talk about the insurances, see how the hub portfolio is tracking properties and SMSF property. And then, yeah, that's why I like to get a nice little flowchart going with everything, keep that on file, and then whenever each section pops up, we can just update the strategy after that. Yeah.","start_word":3605,"end_word":3662,"intents":[{"intent":"Update strategy","confidence_score":0.060991824}]}]},"sentiments":{"segments":[{"text":"Hello? Kyle, tell me here, mate. How are you doing?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.12878231704235077},{"text":"Good. Thanks.","start_word":10,"end_word":11,"sentiment":"positive","sentiment_score":0.5580171942710876},{"text":"I apologize in the day. This is our reception, but best time to stop shooting up to get Ivan from boarding school, so I'm in the right chance. That's no worries at all. I can hear you pretty well. Can you hear me alright? Yeah. Yep. Yep. Yep. How's everything going, mate?","start_word":12,"end_word":63,"sentiment":"neutral","sentiment_score":0.12245283275842668},{"text":"Mate, living the dream.","start_word":64,"end_word":67,"sentiment":"positive","sentiment_score":0.34724169969558716},{"text":"I was just saying today, I've got my little one who's now the middle child. He's he should be getting a cast off his leg this afternoon for a bit of a broken leg. He said, oh, you've had a baby. Let's go break the leg. So Yep. Yeah. that's what we've had for the last month or so. Yeah. Yep. Yep.","start_word":68,"end_word":129,"sentiment":"neutral","sentiment_score":-0.010071066208183764},{"text":"Fantastic.","start_word":130,"end_word":130,"sentiment":"positive","sentiment_score":0.42925459146499634},{"text":"And then all the maya maya had a broken well, she broke the growth plate between her ankle and the bottom of her tibia. Hello? So she's been she was in a cast for six or seven weeks as well. So we're just going through the rehab physio with her because, of course, once I've been in the cast for six or seven weeks there, Oh, Achilles tendons basically got no spring left in it. They've gotta learn to walk properly again and all that stuff. So, no. Yeah. That's a big one. Jeez. yeah, so and bath is good? Yeah.","start_word":131,"end_word":231,"sentiment":"neutral","sentiment_score":-0.014578674919903278},{"text":"Mate, fantastic.","start_word":232,"end_word":233,"sentiment":"positive","sentiment_score":0.4217897951602936},{"text":"I think I've kind of lucked out for an easy one for number three. Kinda Yeah. got blessed there and said, oh, look.","start_word":234,"end_word":256,"sentiment":"neutral","sentiment_score":0.2033127397298813},{"text":"You've you've had all the fun stuff with the first two.","start_word":257,"end_word":267,"sentiment":"positive","sentiment_score":0.37419822812080383},{"text":"Let's give you an easy one to close out the family.","start_word":268,"end_word":278,"sentiment":"neutral","sentiment_score":0.26065850257873535},{"text":"So, yeah, Bob's going great. Oh, that's fantastic. Right? Fantastic.","start_word":279,"end_word":288,"sentiment":"positive","sentiment_score":0.44743284583091736},{"text":"We actually just came back from North Queensland because we had my mother in law's sixtieth and Yeah. took the whole family. Baby didn't cry once on the plane there or back, and Felix Yeah. is pretty good with his broken leg. Just wheel chairing around the airport there.","start_word":289,"end_word":337,"sentiment":"neutral","sentiment_score":0.160454054268039},{"text":"So, no, it's been fantastic. Good stuff, but Awesome.","start_word":338,"end_word":346,"sentiment":"positive","sentiment_score":0.6606547832489014},{"text":"And how have you been going with all this stuff?","start_word":347,"end_word":356,"sentiment":"neutral","sentiment_score":0.2544425427913666},{"text":"I've just looked through all the emails, and looks like you're you're having a fun time at the moment.","start_word":357,"end_word":375,"sentiment":"positive","sentiment_score":0.43397119641304016},{"text":"Unreal. Yeah. Just, like, obviously, doing the Infiniti thing and and and that's all it's all sort of going okay. You have good months and bad months following their kind of rapid repay, you know, that it's very easy to to get caught up in it all, you know, like, the rapid repay obviously only works when you've got, you know, $7,000 a month extra to kind of bang off your mortgage and some months you do and some months you don't. Things come up Yeah. like party and feed and cows and paying for kids trips to Fiji and all that sort of stuff, but they don't kind of factor into any of your calculations. But, yeah, that's all just ticking away. It's been averaging around alright given enough time. Yeah. Yeah. I think there's sort of there's definitely a few questions surrounding it. Like, you know, you talk to we've got a few friends that are doing it as well, and that was kind of one of the main catalysts for us to eventually, yeah, give it a crack was that we had a couple of real life examples of people that were doing it. Yeah. The the difference being for us, like, obviously, we bought that investment property over in the process, got that contract on that unit in the SMSF. So that's kind of a a bit of a set and forget type thing, but then we're also buying an investment property in Victoria in our personal days. Yeah. Yeah. But the the property that we're buying in Victoria, it's like 876,000. So we did an equity release from our primary property residents and got a $180 redraw that we've used to put towards that. But at settlement, we need $240,000. So, like, they said, it's a target of saving an additional paying an additional 60 k off our home loan in, like, ten months or whatever it was. And we're now getting to the point where we've got, like, nine pay, $4.90 to go, and we still got 30 odd grand to kinda come up with. Oh, jeez. And I just kept going back to them going, like, why and and I know the answer, but no one will actually tell me the answer. But it's like, why was the target for us set as buying a $876,000 investment property when equity release was only a $180 where we could have just bought something that was $680 or $700 a unit or a townhouse or whatever else and Yeah. not perhaps to come up with that extra money. But fundamentally, it's because they try to maximize your leverage based on your income to write the biggest loan they can write because that's where they make all their money. You know what I mean? So Yeah. And it friends ties of into ours the did repay system to to get you moving towards all those common goals. And if one thing yeah. doesn't Yeah.","start_word":376,"end_word":873,"sentiment":"neutral","sentiment_score":0.015663381136699493},{"text":"line up, it kinda helps it fall down a little bit.","start_word":874,"end_word":884,"sentiment":"negative","sentiment_score":-0.3857404291629791},{"text":"Yeah.","start_word":885,"end_word":885,"sentiment":"neutral","sentiment_score":-0.29841578006744385},{"text":"So I just probably put a little bit of a sour taste in our mouth with it at the moment just because we know that friends that joined up and everything, they don't have the income that we have.","start_word":886,"end_word":924,"sentiment":"negative","sentiment_score":-0.4922837018966675},{"text":"And I've obviously bought an investment property as well. And you sit down and have dinner with them, and it's like they're like, oh, yeah.","start_word":925,"end_word":949,"sentiment":"neutral","sentiment_score":-0.2728334069252014},{"text":"No.","start_word":950,"end_word":950,"sentiment":"negative","sentiment_score":-0.4993610084056854},{"text":"It's just like, since we signed up, it's just been, you know, all sunshine and roses.","start_word":951,"end_word":966,"sentiment":"neutral","sentiment_score":-0.3272440433502197},{"text":"Everything has just sort of ticked along. And then with us, it's like, well, why is it that one couple gets the goal of, well, fuck. You gotta come up with an extra $60 in twelve months versus Yeah.","start_word":967,"end_word":1005,"sentiment":"negative","sentiment_score":-0.5136889815330505},{"text":"the other couple, everything was done from there. Equity release, and it's no stress. So all of a sudden, we go from feeling like we're in a relatively good position financially to feeling this financial stress that we haven't felt for years. You know? So that side Yeah. of it, you know, and then you got people turned around and, you know, posting in the in the group like, oh, well, if you only have twelve minute showers, you can save a $156 a year. And I'm like, dude, that's not where I'm at with this. Like, if we wanna go and take our family out to dinner and it's a $156, like, that's what it is. You know?","start_word":1006,"end_word":1124,"sentiment":"neutral","sentiment_score":0.061069554923211825},{"text":"We still wanna do all those things as well as try and make this journey work.","start_word":1125,"end_word":1140,"sentiment":"positive","sentiment_score":0.3815361261367798},{"text":"So, Yeah. yeah, time will tell, mate. And then we don't know so I just told him today, like, I gave him some simple figures that said, like, nine pay fortnights as I calculated. We need to come up with $3,333 a fortnight on top of that $6,800 a month mortgage repayment to make your goal of $30 by December, you guys need to have a backup plan that if we don't make that target, what does that look like come settlement time? Because we don't wanna find ourselves in a position where you guys have put us into a property that we've said from the start we realistically don't think we can afford and then find ourselves in a position where we can't settle on something that you've boxed us into kinda thing. So Yeah. Yep. I get you. so, yeah, that's all happening there. And then secondly, I just was sitting down doing some, like, life admin the other day, two days ago, whatever, And looked at kinda where we've ended up with the whole SMSF and the rollover and all that, and basically that snapshot that I sent you is pretty much the summary is, well, we've gone and done this partial rollover from, you know, a managed fund with you guys that was doing particularly well to serve as this investment loan. And, you know, realistically, we only needed a $122,000 for the 10% plus whatever the setup fees and cost were. So let's just call it even if it was 200, that would be gracious. But Yeah. we went ahead and brought it over $430. So now we've got this $300 sitting in a CMA account earning 2.75% interest for the next two and a half years where, you know and and now we've got our $2,100 a fortnight going into that CMA account, which is kinda sitting there doing nothing. If the money's not needed for another, let's say, two and a half years, nearly, or two point three years to settle the property, I just feel like that would be far better off somewhere else invested, you know, on a leverage basis where it's earning 9% or 10% than sitting there in that CMA account earning 2.75% if it doesn't need to be there. Yeah. You're almost missing a good $50.60 grand there over a couple of years, potentially. That's what I calculated at that. Yeah. Between 45 to $50 that it's not earning while it's locked away there. So Yeah. I sent that email to New Haven and Infiniti this morning or just before I obviously spoke to you and just said, hey. Like, I know that we've followed this structure. We've set this up and we've done this rollover, but as I calculate it, you know, that's gonna have $435 in it just with contributions and earning immediately 2.75%. Like, if that money is not needed till then, that's two Yeah. years that could be invented somewhere else. And what we're not earning with that being on top of the 600 that we've still got, you know, in half or $5.50 or whatever it is plus the 50 in Qsupa, Mhmm. like, the earning potential of that is that it could still be $750, earning 10% rather than $550. So Yeah.","start_word":1141,"end_word":1690,"sentiment":"neutral","sentiment_score":-0.05187959032979878},{"text":"I And I've don't had know why people that was that just keep massive cash rush to roll over.","start_word":1691,"end_word":1709,"sentiment":"negative","sentiment_score":-0.483822762966156},{"text":"yeah.","start_word":1710,"end_word":1710,"sentiment":"neutral","sentiment_score":-0.142228364944458},{"text":"I've had people keep cash deposits for six, nine, worst case scenario, twelve months, and and that's a bit of a risk just to have funds sitting there idle for for almost a year kind of thing. And when you get up to the two two plus year mark, you know, if you factor that into a projection or something like that, the the missed out returns there is a bit rough.","start_word":1711,"end_word":1782,"sentiment":"negative","sentiment_score":-0.3770129084587097},{"text":"Yes.","start_word":1783,"end_word":1783,"sentiment":"neutral","sentiment_score":-0.2524288296699524},{"text":"So I think the idle funds is definitely an issue to to be resolved.","start_word":1784,"end_word":1797,"sentiment":"negative","sentiment_score":-0.4738062918186188},{"text":"Yeah. One of the things that, like, when I do my SMSF setups, I'm assuming 2.75%, that's Macquarie, isn't it? That's just the Macquarie CMA account. Yeah. And even Yep. even just asking around that, like, I know ComBank, they have a product that's called, like, the SMSF saver, and it returns 4.75% per annum with a seven day access. So you can basically just say within seven days, you need to roll it out back into your other CMA account. But whilst it's sitting in that other account, it's earning, you know, just under 5%. Even something like that might be more appealing than fucking 2.75%. So whether Yeah. there's So another product or this whatever is what's that they been have access missed. to. When I look at the so the spread is when I normally do the setups for these strategies, you put the the amount in cash that you need for the property, and you usually link it up with, like, a wrap investment account, possibly with Macquarie too, which is identical to your hub. And then you just get all the excess funds invested into your normal portfolio alongside Yeah. the cash account, and you can move it between the two accounts is usually the way to go. Yep. Yep. There are other options there as well. So Macquarie do have a similar thing to the to CBA. They've got an accelerator account, which is 4.65. Yeah. You've got standard term deposits with ANZ, which are over 5%.","start_word":1798,"end_word":2050,"sentiment":"neutral","sentiment_score":0.09254183620214462},{"text":"You've got credit funds like Latrobe, which are almost 7%. So there's plenty of places to park the cash.","start_word":2051,"end_word":2069,"sentiment":"positive","sentiment_score":0.39439618587493896},{"text":"You don't wanna be swinging into something high risk if you're gonna need the funds again in one or two years because, again, if you have that big drop, it's not gonna be there. Yeah. But there's little Yeah. steps up in a low risk environment where you can go from the two to the four to the five Yeah. to the six. So Yeah. there's Yeah.","start_word":2070,"end_word":2136,"sentiment":"neutral","sentiment_score":-0.04289854317903519},{"text":"Absolutely. places for it.","start_word":2137,"end_word":2140,"sentiment":"positive","sentiment_score":0.45607149600982666},{"text":"Yeah. Yeah. And that's that's exactly what I sort of raised that for was just to ask the question, like, is this because even when we went through the initial stuff with, like, New Haven, you know, they said, well, we've got, you know, other access to ETFs and all, like, other, you know, basically wrap wrap accounts and stuff. And it just almost seemed like it's just been a little bit of a sense to get, and then no one's kinda done the follow-up to go, well, actually, hey. This is the position we're in. Maybe we've got a better alternative here looking at the time frame. You know what I mean? So Yeah. Adjust the plan a little bit. yeah. Hopefully, it just raises the questions and someone gets back to me soon with that. So Yeah. Well, that should be the the simple answer, like, without doing anything too crazy is there's accounts to to bump up the interest a little bit at the very least without Yep. risking anything too crazy. Again, you can move between different products and platforms and accounts, but you probably don't wanna be swinging large sums of money back to Hub to invest it for two years and then try and swing it back in time for settlement.","start_word":2141,"end_word":2357,"sentiment":"neutral","sentiment_score":0.04404834285378456},{"text":"But, yeah, at the very least, getting a bit extra interest in there would be nice. And I'll be interested to see what they they come back with because it's it should be a pretty easy idea.","start_word":2358,"end_word":2394,"sentiment":"positive","sentiment_score":0.5167281627655029},{"text":"The other the other thing being that that, like, you know, the very brief calculations that I did was that so we've got the money that's required for settlement in there already, you know, but yet now we're gonna be putting it down $2,100 per fortnight after tax contributions into that Yeah. CMA account, like, why can't or can the SMSF choose to, like, roll out some money back out of that account? So, like, if I did the figures on, say, knowing that I need $300,000 on the 10/01/2028, well, theoretically, I can transfer, let's call it, $200,000 out of that account now and just leave the contributions going in there and work out that the contributions themselves are going to get that balance back to where it needs to be for settlement, but the Yeah. funds that have been transferred out can then go back into a compounding fence somewhere else. Exactly. Right. So and those two options are either you can swing it back to any other type of account or you just attach one within the SMSF like a wrap internally that can invest in all the same things. And then like you said, you pull out a 100 or 200 into that, and then it's just a matter of look. You may have to sell down a small portion of top it up if the contributions don't get you there. Yeah. But Yeah. most of the time, you just need to make sure that funds are available, you know, five to seven days before settlement so that, you know, once lending's approved, the funds just needed to be available to transfer within that Yep. sort of week or two beforehand. And if you've Yep. got a settlement date so far in advance, you've got heaps of wiggle room to just move funds around for three, six, twelve months at a time. Yeah. Yep.","start_word":2395,"end_word":2712,"sentiment":"neutral","sentiment_score":0.04856174439191818},{"text":"Yep. Yeah. So that was the first kind of just rationalizing that my thought process was going in the right direction there and obviously getting some of your wisdom on that.","start_word":2713,"end_word":2743,"sentiment":"positive","sentiment_score":0.4624943137168884},{"text":"And I and I think just off the back of because obviously, it's a multi tiered approach that, you know, Infiniti approach you with. And then we kinda then have to make the decision if after twelve months you go, well, is this putting you in a position that you feel justifies the cost per annum? Because, obviously, it's an ongoing annual fee to kind of utilize their system and all that stuff. Or Yeah. and if you choose not to, if you're then locked into investments that are off the plan that are so far in advance, what does that look like if you say, well, we're not gonna go ahead to dig into the journey ongoing. Do you then change loan rates? Do you still settle that property with their assistance in two years' time? And Are what they happens doing is it the line to kind is pulled of over in are between. they doing it to kind of lock you into staying with them for two and a half years because you have to be with them until you settle? Like, they're the questions that I don't think a lot of people ask. A lot of people get just kinda caught up in the hype of it all and don't actually ask them half questions. So And, yeah, it's not like someone's got any data saying that, you know, what proportion of their client base have all these property settlements pushed out twelve, twenty four months at a time versus how many kind of immediate settlement. Because like you said, some people have jumped in low stress, settled on something straight away from an equity release. It'd be interesting to know how how often that actually happens. Is is it just a one off because the property is so good, or is that just a common practice? Yeah. Yeah. Absolutely. And the second oh, just sorry. I've cut back to one bar, so I don't know how good the service is, but they should get That's better alright. in a second. I've gotta duck off in a few minutes anyway. And the second part told me was just if I come down on the September 7 as per those emails from QC accounts, Yeah. Yeah. they've booked me in for 3PM, then I think if you find there was an email from them or maybe one or two emails from them just asking you to confirm if that worked in with you to have a meeting in the Oakview office on the afternoon of the seventh at 3PM, and we'd be doing my annual review. And Belinda might come down with me, and we'd wrap up my tasks all in the one afternoon. Yeah. Yeah. I'm having a look now. I do have Yep.","start_word":2744,"end_word":3211,"sentiment":"neutral","sentiment_score":0.02566098746580955},{"text":"some time after 03:00, so that shouldn't be a problem.","start_word":3212,"end_word":3221,"sentiment":"positive","sentiment_score":0.3473084270954132},{"text":"And we do have some meeting rooms available as well. Yeah. I got it. Because I think that was Chris's request was Chris or someone from there. The other lady, I can't remember the name of the top of my head. But so, yeah, if you're alright with that, if you can shoot them all a reply that we can lock that in, then we'll look at either flights or whether we drive down. We come down on seven, leave on the eighth or something. Yeah. I'll send an email to them right now.","start_word":3222,"end_word":3315,"sentiment":"neutral","sentiment_score":0.12297359853982924},{"text":"I'm just writing it up. That should be all sweet.","start_word":3316,"end_word":3325,"sentiment":"positive","sentiment_score":0.5329250693321228},{"text":"And I won't include it in the email, but if you do come down, it would be a good idea for us to kind of just remap out on the whiteboard like we did previously. Now with the SMSF and the properties and everything, just remap out the assets and goals and everything. And that way, I can Yeah.","start_word":3326,"end_word":3384,"sentiment":"neutral","sentiment_score":0.24720272421836853},{"text":"keep a nice snapshot on file, and then we know all the moving parts to keep an eye on. Yeah. Absolutely, mate.","start_word":3385,"end_word":3406,"sentiment":"positive","sentiment_score":0.4828261733055115},{"text":"And then and, obviously, the we've got those few things happening with the EA and insurances and all that stuff that's still ongoing. I'm actually on the on the working group panel that's working between Maritime Safety Queensland, the GPC as the employer, and the union to try and work out what those income and income protection of life insurance and all that are gonna change to based Yeah. on the changes to the health standard. If we have a bit of a win there, then it's time to revisit a couple of those things as well. But, Cool. yeah, it would be good to just map all that out because there's 50 odd grand sitting in QSuper at the moment, which is it works out that I don't need that or even we maybe do another rollover from QSuper to Hub to boost that back up to $600 kind of thing rather than having that $50 just in there that probably only needs to be 5 or 10 just to keep the insurance as valid as they are right now because there's obviously gonna no more contributions that are gonna go into q two months. So Yeah. So contributions are going to SMSF. We'll talk about the insurances, see how the hub portfolio is tracking properties and SMSF property. And then, yeah, that's why I like to get a nice little flowchart going with everything, keep that on file, and then whenever each section pops up, we can just update the strategy after that. Yeah.","start_word":3407,"end_word":3662,"sentiment":"neutral","sentiment_score":0.10046226594567996},{"text":"Have a good night. I'll look forward to it. Cool. Well, I've locked in Monday, 3PM on the seventh, so that's all good.","start_word":3663,"end_word":3685,"sentiment":"positive","sentiment_score":0.47064539790153503},{"text":"Yep. Let Yep. me know how you go with the the cash management account interest rates and everything, and Yeah. I'll I'll keep an eye on my emails for next week. Okay.","start_word":3686,"end_word":3717,"sentiment":"neutral","sentiment_score":0.1472514420747757},{"text":"Thanks very much, mate. Always appreciate it so much and your knowledge.","start_word":3718,"end_word":3729,"sentiment":"positive","sentiment_score":0.6397534608840942},{"text":"No worries, Carl. And one quick thing before you go, mate. Just want you to quickly just confirm security with me. I'm just we're training some new advisers in to make sure I do all of the security process for your information, and then I've done good the to go. is this supposed to happen at the start before we discuss Yes. all It my finances? is My my my my senior adviser sorry. My head of adviser is looking at me saying, like, what have you done? Yes.","start_word":3730,"end_word":3818,"sentiment":"neutral","sentiment_score":0.13760616948430457},{"text":"Normally at the start, but I just have such a good fun talking to you.","start_word":3819,"end_word":3833,"sentiment":"positive","sentiment_score":0.40984946489334106},{"text":"Yeah. Oh, mate. If I could just grab date of birth and address. Eight eight to the eighth nineteen eighty three and 457 Jim White Way, Barua, Queensland 4680.","start_word":3834,"end_word":3862,"sentiment":"neutral","sentiment_score":0.09617161005735396},{"text":"Perfect. And as always, mate, calls are recorded for training and quality purposes, and I very much look forward to catching up with you soon. Sounds good, mate. I appreciate it. Thanks, Tommy. Bye. Have a good weekend, Carl. Bye.","start_word":3863,"end_word":3902,"sentiment":"positive","sentiment_score":0.6025955677032471}],"average":{"sentiment":"neutral","sentiment_score":0.04882636735292561}}}}