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But, anyway, I kind of just died in bed for two solid weeks. My family just stayed away from me, and I slept. It was horrendous, to be completely honest with you. But, anyway, what happens when we burn the camel? Oh, I know. I think I think it's I haven't been, like, really sick. Like, I've been in the industry for ten years, and every year, there's always, like towards Christmas, I always kinda crash out. And I haven't been sick in probably two or three years, and I felt it coming on. And I was like, no. No. No. We'll just we'll sleep. And then because it was end of financial year, beginning a new financial year type of period, like, I just wasn't sleeping because I was, like, ticking over in my head, everything, you know, as it does. And yeah. So I ended up crashing out, and even while I was crashing out, I had the members messaging, and they're like, can you help me with this one? I was like, absolutely. This is what I let this is what you should do, and they're like, thanks. And I'm like, that's okay. Go up in a ball and die again. So exactly. Yeah. No. No. That that was that was absolutely it. So it was fine. We we got it all done. Anyway, I've sent you the documents. Realistically so this is just an update to the advice I gave you last time. So when you when you messaged, I literally sat there and went, actually, we should we we would definitely can do it. So it's a $110,000, exactly as I said in my emails, that we can flip into, like, a like, that that tax free portion. It's gonna be prorated, so it ends up being, like, 78,000. As I said in my emails, that we sort of end up moving over to tax free, but it just helps out if anything happens to you, your girls don't pay. Nearly much tax or have as much taken away from them from an estate perspective. That's literally all it is. It's just basically the final two steps. It's a repeat of, obviously, that pension step. So once we flip the money, we'll reset up the pension account. But that's it. And then decreasing the pension down to $5,000 now that you've established that you don't want what was $78,000 a year. We're dropping it down to the 6, which is $5 a month. That that can you spell off in an application form for me to be able to do the recontribution strategy? And then once that's settled, I'll flip flick you a quick email to say that it's done, and I'll do a quick flip of the pension accounts to remerge them. But that'll be after your October 1 August. August 1 pension payment. So this will settle in your bank account? Yes. Yeah. Yeah. No. That's I wanted to talk to you first to get this done because the like, before it buys in, which I think is gonna literally buy in over the weekend, I wanted to submit this application just because it'll go through quicker than if I buy and do that. I don't I just didn't wanna delay everything. It's still earning. It's just obviously not earning the investment amount, but I wanted to get this one one first. So otherwise, pulls it. It it makes it a lot it'll push it out a lot further. Absolutely. You can do it online. So it it should be in your inbox already. I I sent it to you before I oh. And I if if you scroll down to page 15 of that first document as well, it'll have it's one document, but there's actually two. They're back to back, but it'll show as one. But, basically, if you scroll down to page 15 of the statement of advice, which is the first document, you'll see the projections as well. So I've popped that in there for you as well. So it shows shows the difference of because you have the two accounts open at the moment with the one for the tax free and one for, like, taxable. After we merge them, the decrease in the pension payments, what that looks like ongoing for five and ten years. So while it's obviously gonna deplete slowly, it's it's actually gonna it's gonna pull you straight through. And then I didn't go any further than ten years because by the time we hit ten years, we're pension eligible, and we can obviously start up. Well, we we won't have to rethink it, but we'll we'll you'll you'll be able to draw less on the on the account. The the strategy is still gonna just we'll we'll have to pull less because we will have the pension available, or you can pull more. You can keep pulling the same amount. You'll just have more available to you, and you can live a little bit frivolously. Yes. Yes. We can we can future plan that. If you that we if you do end up picking up any work, just let me know so I can open a Swifter account because all your money is gonna be sitting in pension. You can't contribute to a pension account. So if you do pick up any any casual work, depends off it it depends if it's casual on the books or cash in hand, obviously. If it's yeah. If it's on the books, then they'll have to pay super, and that's fine. You just let me know if you pick up work. I'm assuming we're looking at, like, under 10 hours if you pick up yes. Yeah. Under 20 a fortnight to keep up because you're you're, like, you're retired, but if you do pick up a little bit of work, you can you can definitely earn. It's just there's rules and regulations to it. All the it it it does. Just a little bit, but nothing crazy. The money that you have in the an account is still gonna be in pension account. It's the pension phase. It's just it's just yeah. It just adds a little bit of a layer, but nothing nothing strenuous to it. Oh, I love. Yep. No. Fair. Fair. Fair. Absolutely. I have a couple of clients that way. I have I have a I have a client that actually lives on a lives on a farm stay, and he doesn't earn any money unless he goes and works in the cafe, but everyone basically earns their keep by tending to the gardens and all of the fruit and everything and veg in the gardens goes into the cafe. It's kind of a cute little system. It won't. Yeah. It's in the middle of bum nowhere, but he's great. Yeah. Bum nowhere. Yeah. So it's pro rata, meaning that it'll take from each of the it it'll it'll basically take the a portion. So a portion of the account just pro rata instead of yeah. So pro rata is a portion of that account and just and and literally just slide it to the other account. So so the way the contribution goes yeah. So the the the $400,000 account has all of the tax free money, whereas that $200,000 account has the taxable funds. So the taxable funds, we're gonna do that 110. It'll pull it'll pro rata. So the way the recontribution actually works and if you, like, if you physically just sit and watch the accounts, it's quick. But, basically, what happens is the money will leave that $200,000 account. The 110 will literally pop over to an investment account. So it leaves the super super super environment, but it slides it over so you don't pay you don't pay any any tax on it. You don't pay any sell downs or anything like that, and then it slides over into the new account. Then once that'll happen mhmm. It'll be a so it's a 110,000 that will do will that will move, but any money that moves between any money that's withdrawn from Super always happens across like, evenly across the tax free and taxable portion. So because you have it's, like, 77.5554, something like that, percent is tax free sorry. It's taxable. It's basically that 77% that will that will convert into tax free. The rest of the money that the the the sort of 23% will just move tax free and stay tax free. So what what the full 100 and 10 yeah. So it's so super can can be held in three different components. Tax free, taxable, and untaxed. Untaxed means that it's never been taxed by a super fund or a or by your marginal tax rate, so personally. Taxable you you have nothing that's untaxed. All your money is taxable or tax free. The tax free funds are essentially anything that you've put in and you've paid your highest marginal tax rate at, which theoretically would be The UK pension, but I can't confirm whether it is because I obviously haven't been able to track that from the establishment as I said in my email. It'll come out it'll come out pro rata of the two of them. Yeah. So everything comes pro rata. So the five so you'll have majority of money sitting tax free, but it and it'll come pro rata across. So every time the $5,000 comes out, to pay like, your account will be sitting very, very, very heavily in the tax free portion. Most of it will come from the tax free portion, and it will just keep going out like that. Obviously, my hope is is that you you use all of the money and that there's like, that you live long enough to use all the money, and we're not, you know, we're not while we wanna leave something for the kids, your life and your enjoyment is what you worked hard to get. And that's what my hope is for most of my clients. But this allows us, if anything happens to you before we exhaust all the funds, to have most of it sitting for the girls. Now because we because we've done what we're doing, we can't put any money into your super fund, nonconcessionally, which is where that tax free portion comes from, for three financial years. So the next time we can do this is the 2930 financial year. Yep. We can look at putting like a estimate account. You you can still put it into Super. It's just we create like, we create a Super account, pop it in, and then we just remerge the the pension account. And it's it's a little bit of paperwork, but it's not impossible. It's just a couple of steps like we've done already. Yeah. Yeah. But, like, if dad if dad passes in, say, the next twelve months, tap wood, then we could set up, like, an investment account. So we could we could have, like, a a an investment account sitting next to your super account because we can't put it into the super but we could have a what's called an IDPS. So it's a an a personal investment account where we could still in we could still do everything there, and you could draw down on some of the money if and when you needed it. Yes. You can go have a drink for Friday afternoon. I absolutely love. Oh. No. Oh, yeah. No. Fri Fridays, I work from home. It they it allows me to spend a little bit of time with my kids, so I generally go walk down and drop them off at school and then go pick them up at 02:30, but I forced my husband to come home tonight and or this afternoon, and he's done the school. So no. Oh my gosh. Don't even worry. It's so fine. I I generally sit at the kitchen table with them on a Friday afternoon. I do my homework, and they do theirs. So it works out nicely anyway. Yes. I'm I'm not too too too too concerned. Like, you don't have a large weighting in gold. I'm not overly concerned with where the assets sit right now, to be completely honest. While go yeah. They even nicely. Yeah. And and we haven't bought everything high because you've been putting money in regularly throughout. I didn't sell everything. You've held some of these assets for quite a long time. I'm it it it distributes through. And don't be wrong. We will still be in contact. So you and I can we can still email, and we'll still I'll still call you anyway. And we can I can swap out any of the assets if I'm not happy or or derisk or or move some down? So if I see anything that is alert like, alarming to me, I'll flick you an email and say, hey, bud. I wanna I wanna move this. Are you okay with that? I'm gonna send you a document, and we'll just yes. And then yeah. There's there's always ebb and flow. There there really, really is. Like, across across your account as a whole, like, gold's gone up $10 with every you're holding. So it it's it's all moved really, really nicely. So I'm not I'm I'm really, really, really honestly, I'm not concerned. The market's gonna ebb and flow a little bit, but it's it's doing really well. There's probably if anything, there's there's one asset that I might look at moving, but I'm gonna kind of I wanna settle I wanna settle everything and just push push everything to the pension account. Yeah. Get it in that one place, and then I'll sit down and have another look at it. There's only one, which is the banking hybrid, which is your BHYD that I wanna probably look at moving, and that's mainly legislatively because they're being phased out. While I'm not unhappy with how it's going, I'd wanna get out before that asset before that asset phased out, and it does take a bit of a dive, I wanna jump out of that. But I'll wait till we're in the pension account before we start moving because that'll make right. I've got a couple of bond options that I've started looking at for a few of my clients, but I'll see how I go. No. That's okay. I I'm gonna I'm gonna sit on as soon as you soon as you sign, I'm gonna submit that application to get that money book booked. Because book book is how we're going for a Friday afternoon. Yeah. Exactly. That you too. If you have any questions, send me an email because our phone lines are off now. So you won't be able to get through. Yep. No. It's okay, Carol. You have a good one. Send me a photo of your of your view when you have a chance. I do love seeing them. Yeah. Have a good one, darling. 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Carol. Larissa from. How are you going? That's good, my darling. I was oh, I am now.\n\nI have been dead. Oh, I am I don't even know what happened. I probably should've put my butt in hospital. But, anyway, I kind of just died in bed for two solid weeks. My family just stayed away from me, and I slept.\n\nIt was horrendous, to be completely honest with you. But, anyway, what happens when we burn the camel? Oh, I know. I think I think it's I haven't been, like, really sick. Like, I've been in the industry for ten years, and every year, there's always, like towards Christmas, I always kinda crash out.\n\nAnd I haven't been sick in probably two or three years, and I felt it coming on. And I was like, no. No. No. We'll just we'll sleep.\n\nAnd then because it was end of financial year, beginning a new financial year type of period, like, I just wasn't sleeping because I was, like, ticking over in my head, everything, you know, as it does. And yeah. So I ended up crashing out, and even while I was crashing out, I had the members messaging, and they're like, can you help me with this one? I was like, absolutely. This is what I let this is what you should do, and they're like, thanks.\n\nAnd I'm like, that's okay. Go up in a ball and die again. So exactly. Yeah. No.\n\nNo. That that was that was absolutely it. So it was fine. We we got it all done. Anyway, I've sent you the documents.\n\nRealistically so this is just an update to the advice I gave you last time. So when you when you messaged, I literally sat there and went, actually, we should we we would definitely can do it. So it's a $110,000, exactly as I said in my emails, that we can flip into, like, a like, that that tax free portion. It's gonna be prorated, so it ends up being, like, 78,000. As I said in my emails, that we sort of end up moving over to tax free, but it just helps out if anything happens to you, your girls don't pay.\n\nNearly much tax or have as much taken away from them from an estate perspective. That's literally all it is. It's just basically the final two steps. It's a repeat of, obviously, that pension step. So once we flip the money, we'll reset up the pension account.\n\nBut that's it. And then decreasing the pension down to $5,000 now that you've established that you don't want what was $78,000 a year. We're dropping it down to the 6, which is $5 a month. That that can you spell off in an application form for me to be able to do the recontribution strategy? And then once that's settled, I'll flip flick you a quick email to say that it's done, and I'll do a quick flip of the pension accounts to remerge them.\n\nBut that'll be after your October 1 August. August 1 pension payment. So this will settle in your bank account? Yes. Yeah.\n\nYeah. No. That's I wanted to talk to you first to get this done because the like, before it buys in, which I think is gonna literally buy in over the weekend, I wanted to submit this application just because it'll go through quicker than if I buy and do that. I don't I just didn't wanna delay everything. It's still earning.\n\nIt's just obviously not earning the investment amount, but I wanted to get this one one first. So otherwise, pulls it. It it makes it a lot it'll push it out a lot further. Absolutely. You can do it online.\n\nSo it it should be in your inbox already. I I sent it to you before I oh. And I if if you scroll down to page 15 of that first document as well, it'll have it's one document, but there's actually two. They're back to back, but it'll show as one. But, basically, if you scroll down to page 15 of the statement of advice, which is the first document, you'll see the projections as well.\n\nSo I've popped that in there for you as well. So it shows shows the difference of because you have the two accounts open at the moment with the one for the tax free and one for, like, taxable. After we merge them, the decrease in the pension payments, what that looks like ongoing for five and ten years. So while it's obviously gonna deplete slowly, it's it's actually gonna it's gonna pull you straight through. And then I didn't go any further than ten years because by the time we hit ten years, we're pension eligible, and we can obviously start up.\n\nWell, we we won't have to rethink it, but we'll we'll you'll you'll be able to draw less on the on the account. The the strategy is still gonna just we'll we'll have to pull less because we will have the pension available, or you can pull more. You can keep pulling the same amount. You'll just have more available to you, and you can live a little bit frivolously. Yes.\n\nYes. We can we can future plan that. If you that we if you do end up picking up any work, just let me know so I can open a Swifter account because all your money is gonna be sitting in pension. You can't contribute to a pension account. So if you do pick up any any casual work, depends off it it depends if it's casual on the books or cash in hand, obviously.\n\nIf it's yeah. If it's on the books, then they'll have to pay super, and that's fine. You just let me know if you pick up work. I'm assuming we're looking at, like, under 10 hours if you pick up yes. Yeah.\n\nUnder 20 a fortnight to keep up because you're you're, like, you're retired, but if you do pick up a little bit of work, you can you can definitely earn. It's just there's rules and regulations to it. All the it it it does. Just a little bit, but nothing crazy. The money that you have in the an account is still gonna be in pension account.\n\nIt's the pension phase. It's just it's just yeah. It just adds a little bit of a layer, but nothing nothing strenuous to it. Oh, I love. Yep.\n\nNo. Fair. Fair. Fair. Absolutely.\n\nI have a couple of clients that way. I have I have a I have a client that actually lives on a lives on a farm stay, and he doesn't earn any money unless he goes and works in the cafe, but everyone basically earns their keep by tending to the gardens and all of the fruit and everything and veg in the gardens goes into the cafe. It's kind of a cute little system. It won't. Yeah.\n\nIt's in the middle of bum nowhere, but he's great. Yeah. Bum nowhere. Yeah. So it's pro rata, meaning that it'll take from each of the it it'll it'll basically take the a portion.\n\nSo a portion of the account just pro rata instead of yeah. So pro rata is a portion of that account and just and and literally just slide it to the other account. So so the way the contribution goes yeah. So the the the $400,000 account has all of the tax free money, whereas that $200,000 account has the taxable funds. So the taxable funds, we're gonna do that 110.\n\nIt'll pull it'll pro rata. So the way the recontribution actually works and if you, like, if you physically just sit and watch the accounts, it's quick. But, basically, what happens is the money will leave that $200,000 account. The 110 will literally pop over to an investment account. So it leaves the super super super environment, but it slides it over so you don't pay you don't pay any any tax on it.\n\nYou don't pay any sell downs or anything like that, and then it slides over into the new account. Then once that'll happen mhmm. It'll be a so it's a 110,000 that will do will that will move, but any money that moves between any money that's withdrawn from Super always happens across like, evenly across the tax free and taxable portion. So because you have it's, like, 77.5554, something like that, percent is tax free sorry. It's taxable.\n\nIt's basically that 77% that will that will convert into tax free. The rest of the money that the the the sort of 23% will just move tax free and stay tax free. So what what the full 100 and 10 yeah. So it's so super can can be held in three different components. Tax free, taxable, and untaxed.\n\nUntaxed means that it's never been taxed by a super fund or a or by your marginal tax rate, so personally. Taxable you you have nothing that's untaxed. All your money is taxable or tax free. The tax free funds are essentially anything that you've put in and you've paid your highest marginal tax rate at, which theoretically would be The UK pension, but I can't confirm whether it is because I obviously haven't been able to track that from the establishment as I said in my email. It'll come out it'll come out pro rata of the two of them.\n\nYeah. So everything comes pro rata. So the five so you'll have majority of money sitting tax free, but it and it'll come pro rata across. So every time the $5,000 comes out, to pay like, your account will be sitting very, very, very heavily in the tax free portion. Most of it will come from the tax free portion, and it will just keep going out like that.\n\nObviously, my hope is is that you you use all of the money and that there's like, that you live long enough to use all the money, and we're not, you know, we're not while we wanna leave something for the kids, your life and your enjoyment is what you worked hard to get. And that's what my hope is for most of my clients. But this allows us, if anything happens to you before we exhaust all the funds, to have most of it sitting for the girls. Now because we because we've done what we're doing, we can't put any money into your super fund, nonconcessionally, which is where that tax free portion comes from, for three financial years. So the next time we can do this is the 2930 financial year.\n\nYep. We can look at putting like a estimate account. You you can still put it into Super. It's just we create like, we create a Super account, pop it in, and then we just remerge the the pension account. And it's it's a little bit of paperwork, but it's not impossible.\n\nIt's just a couple of steps like we've done already. Yeah. Yeah. But, like, if dad if dad passes in, say, the next twelve months, tap wood, then we could set up, like, an investment account. So we could we could have, like, a a an investment account sitting next to your super account because we can't put it into the super but we could have a what's called an IDPS.\n\nSo it's a an a personal investment account where we could still in we could still do everything there, and you could draw down on some of the money if and when you needed it. Yes. You can go have a drink for Friday afternoon. I absolutely love. Oh.\n\nNo. Oh, yeah. No. Fri Fridays, I work from home. It they it allows me to spend a little bit of time with my kids, so I generally go walk down and drop them off at school and then go pick them up at 02:30, but I forced my husband to come home tonight and or this afternoon, and he's done the school.\n\nSo no. Oh my gosh. Don't even worry. It's so fine. I I generally sit at the kitchen table with them on a Friday afternoon.\n\nI do my homework, and they do theirs. So it works out nicely anyway. Yes. I'm I'm not too too too too concerned. Like, you don't have a large weighting in gold.\n\nI'm not overly concerned with where the assets sit right now, to be completely honest. While go yeah. They even nicely. Yeah. And and we haven't bought everything high because you've been putting money in regularly throughout.\n\nI didn't sell everything. You've held some of these assets for quite a long time. I'm it it it distributes through. And don't be wrong. We will still be in contact.\n\nSo you and I can we can still email, and we'll still I'll still call you anyway. And we can I can swap out any of the assets if I'm not happy or or derisk or or move some down? So if I see anything that is alert like, alarming to me, I'll flick you an email and say, hey, bud. I wanna I wanna move this. Are you okay with that?\n\nI'm gonna send you a document, and we'll just yes. And then yeah. There's there's always ebb and flow. There there really, really is. Like, across across your account as a whole, like, gold's gone up $10 with every you're holding.\n\nSo it it's it's all moved really, really nicely. So I'm not I'm I'm really, really, really honestly, I'm not concerned. The market's gonna ebb and flow a little bit, but it's it's doing really well. There's probably if anything, there's there's one asset that I might look at moving, but I'm gonna kind of I wanna settle I wanna settle everything and just push push everything to the pension account. Yeah.\n\nGet it in that one place, and then I'll sit down and have another look at it. There's only one, which is the banking hybrid, which is your BHYD that I wanna probably look at moving, and that's mainly legislatively because they're being phased out. While I'm not unhappy with how it's going, I'd wanna get out before that asset before that asset phased out, and it does take a bit of a dive, I wanna jump out of that. But I'll wait till we're in the pension account before we start moving because that'll make right. I've got a couple of bond options that I've started looking at for a few of my clients, but I'll see how I go.\n\nNo. That's okay. I I'm gonna I'm gonna sit on as soon as you soon as you sign, I'm gonna submit that application to get that money book booked. Because book book is how we're going for a Friday afternoon. Yeah.\n\nExactly. That you too. If you have any questions, send me an email because our phone lines are off now. So you won't be able to get through. Yep.\n\nNo. It's okay, Carol. You have a good one. Send me a photo of your of your view when you have a chance. I do love seeing them.\n\nYeah. Have a good one, darling. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Carol.","start":1.92,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.13446490466594696},{"text":"Larissa from.","start":3.04,"end":4.1,"sentiment":"neutral","sentiment_score":0.15903356671333313},{"text":"How are you going?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.22570988535881042},{"text":"That's good, my darling.","start":8.72,"end":10.26,"sentiment":"positive","sentiment_score":0.7317893505096436},{"text":"I was oh, I am now.","start":10.8,"end":15.475,"sentiment":"neutral","sentiment_score":-0.042063843458890915}],"sentiment":"neutral","sentiment_score":0.23136726808216837,"num_words":18,"start":1.92,"end":15.475},{"sentences":[{"text":"I have been dead.","start":15.535,"end":18.195,"sentiment":"negative","sentiment_score":-0.5348629206418991},{"text":"Oh, I am I don't even know what happened.","start":20.494999,"end":22.895,"sentiment":"neutral","sentiment_score":-0.3085095402267244},{"text":"I probably should've put my butt in hospital.","start":22.895,"end":25.235,"sentiment":"negative","sentiment_score":-0.3513762541115284},{"text":"But, anyway, I kind of just died in bed for two solid weeks.","start":25.375,"end":30.699999,"sentiment":"negative","sentiment_score":-0.39879336953163147},{"text":"My family just stayed away from me, and I slept.","start":30.699999,"end":34.16,"sentiment":"negative","sentiment_score":-0.3884478956460953}],"sentiment":"negative","sentiment_score":-0.38172364404255693,"num_words":44,"start":15.535,"end":34.16},{"sentences":[{"text":"It was horrendous, to be completely honest with you.","start":35.1,"end":37.66,"sentiment":"negative","sentiment_score":-0.5892809828122457},{"text":"But, anyway, what happens when we burn the camel?","start":37.66,"end":40.239998,"sentiment":"neutral","sentiment_score":-0.10155439252654712},{"text":"Oh, I know.","start":45.435,"end":46.095,"sentiment":"neutral","sentiment_score":-0.11313053965568542},{"text":"I think I think it's I haven't been, like, really sick.","start":46.155,"end":49.275,"sentiment":"neutral","sentiment_score":-0.19606707312844016},{"text":"Like, I've been in the industry for ten years, and every year, there's always, like towards Christmas, I always kinda crash out.","start":49.275,"end":56.34,"sentiment":"neutral","sentiment_score":-0.15880470926111395}],"sentiment":"neutral","sentiment_score":-0.22606206305876927,"num_words":54,"start":35.1,"end":56.34},{"sentences":[{"text":"And I haven't been sick in probably two or three years, and I felt it coming on.","start":57.22,"end":61.54,"sentiment":"neutral","sentiment_score":-0.23897525755798116},{"text":"And I was like, no.","start":61.54,"end":62.260002,"sentiment":"neutral","sentiment_score":-0.21828030347824096},{"text":"No.","start":62.260002,"end":62.34,"sentiment":"neutral","sentiment_score":-0.2753739356994629},{"text":"No.","start":62.34,"end":62.58,"sentiment":"neutral","sentiment_score":-0.22365495562553409},{"text":"We'll just we'll sleep.","start":62.58,"end":63.78,"sentiment":"neutral","sentiment_score":-0.16851569339632988}],"sentiment":"neutral","sentiment_score":-0.22596687717097147,"num_words":28,"start":57.22,"end":63.78},{"sentences":[{"text":"And then because it was end of financial year, beginning a new financial year type of period, like, I just wasn't sleeping because I was, like, ticking over in my head, everything, you know, as it does.","start":63.78,"end":73.805,"sentiment":"neutral","sentiment_score":-0.18456600948765473},{"text":"And yeah.","start":75.545,"end":76.265,"sentiment":"neutral","sentiment_score":-0.14754723012447357},{"text":"So I ended up crashing out, and even while I was crashing out, I had the members messaging, and they're like, can you help me with this one?","start":76.265,"end":81.865,"sentiment":"neutral","sentiment_score":-0.10328424509082522},{"text":"I was like, absolutely.","start":81.865,"end":82.925,"sentiment":"neutral","sentiment_score":0.05974826868623495},{"text":"This is what I let this is what you should do, and they're like, thanks.","start":83.89001,"end":86.61,"sentiment":"neutral","sentiment_score":0.14489501814047495}],"sentiment":"neutral","sentiment_score":-0.08841368984864202,"num_words":86,"start":63.78,"end":86.61},{"sentences":[{"text":"And I'm like, that's okay.","start":86.61,"end":87.73,"sentiment":"neutral","sentiment_score":0.04919495359063149},{"text":"Go up in a ball and die again.","start":87.73,"end":89.19,"sentiment":"neutral","sentiment_score":-0.06702512642368674},{"text":"So exactly.","start":89.490005,"end":94.39,"sentiment":"neutral","sentiment_score":0.04755134508013725},{"text":"Yeah.","start":97.425,"end":97.905,"sentiment":"neutral","sentiment_score":0.04113348945975304},{"text":"No.","start":97.905,"end":98.225006,"sentiment":"neutral","sentiment_score":-0.033481162041425705}],"sentiment":"neutral","sentiment_score":-0.01102771916810204,"num_words":17,"start":86.61,"end":98.225006},{"sentences":[{"text":"No.","start":98.225006,"end":98.465004,"sentiment":"neutral","sentiment_score":-0.03975505381822586},{"text":"That that was that was absolutely it.","start":98.465004,"end":101.585,"sentiment":"neutral","sentiment_score":-0.0053991590227399555},{"text":"So it was fine.","start":101.585,"end":103.105,"sentiment":"neutral","sentiment_score":0.21444430202245712},{"text":"We we got it all done.","start":103.105,"end":105.045006,"sentiment":"neutral","sentiment_score":0.2539027159412702},{"text":"Anyway, I've sent you the documents.","start":109.04,"end":110.82,"sentiment":"neutral","sentiment_score":0.056909617657462754}],"sentiment":"neutral","sentiment_score":0.11021258511270086,"num_words":24,"start":98.225006,"end":110.82},{"sentences":[{"text":"Realistically so this is just an update to the advice I gave you last time.","start":110.880005,"end":115.22,"sentiment":"neutral","sentiment_score":0.12265775104363759},{"text":"So when you when you messaged, I literally sat there and went, actually, we should we we would definitely can do it.","start":116.880005,"end":125.075005,"sentiment":"positive","sentiment_score":0.42406840554692526},{"text":"So it's a $110,000, exactly as I said in my emails, that we can flip into, like, a like, that that tax free portion.","start":125.855,"end":138.69,"sentiment":"neutral","sentiment_score":0.22511520547171435},{"text":"It's gonna be prorated, so it ends up being, like, 78,000.","start":138.75,"end":142.83,"sentiment":"neutral","sentiment_score":0.07895432040095329},{"text":"As I said in my emails, that we sort of end up moving over to tax free, but it just helps out if anything happens to you, your girls don't pay.","start":142.83,"end":149.74501,"sentiment":"neutral","sentiment_score":0.1170101708041564}],"sentiment":"neutral","sentiment_score":0.20454319357618833,"num_words":103,"start":110.880005,"end":149.74501},{"sentences":[{"text":"Nearly much tax or have as much taken away from them from an estate perspective.","start":150.68501,"end":154.54501,"sentiment":"negative","sentiment_score":-0.38283846179644265},{"text":"That's literally all it is.","start":155.16501,"end":156.52501,"sentiment":"neutral","sentiment_score":-0.07262684255838395},{"text":"It's just basically the final two steps.","start":156.52501,"end":158.205,"sentiment":"neutral","sentiment_score":0.1221479709659304},{"text":"It's a repeat of, obviously, that pension step.","start":158.205,"end":161.33,"sentiment":"neutral","sentiment_score":0.0915189003571868},{"text":"So once we flip the money, we'll reset up the pension account.","start":161.33,"end":165.19,"sentiment":"neutral","sentiment_score":0.06486604642122984}],"sentiment":"neutral","sentiment_score":-0.07957726772478287,"num_words":47,"start":150.68501,"end":165.19},{"sentences":[{"text":"But that's it.","start":167.09,"end":167.81,"sentiment":"neutral","sentiment_score":-0.00013078128298123678},{"text":"And then decreasing the pension down to $5,000 now that you've established that you don't want what was $78,000 a year.","start":167.81,"end":175.505,"sentiment":"neutral","sentiment_score":-0.06569665599436987},{"text":"We're dropping it down to the 6, which is $5 a month.","start":175.505,"end":178.565,"sentiment":"neutral","sentiment_score":0.027754596046482522},{"text":"That that can you spell off in an application form for me to be able to do the recontribution strategy?","start":180.065,"end":186.725,"sentiment":"neutral","sentiment_score":0.15636825263500215},{"text":"And then once that's settled, I'll flip flick you a quick email to say that it's done, and I'll do a quick flip of the pension accounts to remerge them.","start":186.785,"end":197.81999,"sentiment":"neutral","sentiment_score":0.07346550424893697}],"sentiment":"neutral","sentiment_score":0.04981817689529339,"num_words":86,"start":167.09,"end":197.81999},{"sentences":[{"text":"But that'll be after your October 1 August.","start":198.92,"end":203.765,"sentiment":"neutral","sentiment_score":0.008958033402450383},{"text":"August 1 pension payment.","start":203.765,"end":205.785,"sentiment":"neutral","sentiment_score":0.006486176047474146},{"text":"So this will settle in your bank account?","start":206.085,"end":213.38501,"sentiment":"neutral","sentiment_score":-0.04579418711364269},{"text":"Yes.","start":223.85,"end":224.33,"sentiment":"neutral","sentiment_score":-0.006755467504262924},{"text":"Yeah.","start":224.33,"end":224.83,"sentiment":"neutral","sentiment_score":0.008291753008961678}],"sentiment":"neutral","sentiment_score":-0.012145829090679234,"num_words":22,"start":198.92,"end":224.83},{"sentences":[{"text":"Yeah.","start":225.93,"end":226.25,"sentiment":"neutral","sentiment_score":0.0030619557946920395},{"text":"No.","start":226.25,"end":226.56999,"sentiment":"neutral","sentiment_score":-0.05112529546022415},{"text":"That's I wanted to talk to you first to get this done because the like, before it buys in, which I think is gonna literally buy in over the weekend, I wanted to submit this application just because it'll go through quicker than if I buy and do that.","start":226.56999,"end":242.91,"sentiment":"neutral","sentiment_score":0.1364401829790096},{"text":"I don't I just didn't wanna delay everything.","start":242.91,"end":244.77,"sentiment":"neutral","sentiment_score":-0.0041105609852820635},{"text":"It's still earning.","start":244.91,"end":245.79,"sentiment":"neutral","sentiment_score":0.10670438160498937}],"sentiment":"neutral","sentiment_score":0.11168926263288144,"num_words":62,"start":225.93,"end":245.79},{"sentences":[{"text":"It's just obviously not earning the investment amount, but I wanted to get this one one first.","start":245.79,"end":251.41,"sentiment":"neutral","sentiment_score":0.035108973984332645},{"text":"So otherwise, pulls it.","start":253.06999,"end":254.685,"sentiment":"neutral","sentiment_score":0.15133962407708168},{"text":"It it makes it a lot it'll push it out a lot further.","start":254.685,"end":258.945,"sentiment":"positive","sentiment_score":0.34395983585944545},{"text":"Absolutely.","start":266.94,"end":267.44,"sentiment":"positive","sentiment_score":0.5375317335128784},{"text":"You can do it online.","start":267.66,"end":269.04,"sentiment":"positive","sentiment_score":0.40267579555511473}],"sentiment":"neutral","sentiment_score":0.2056149907875806,"num_words":40,"start":245.79,"end":269.04},{"sentences":[{"text":"So it it should be in your inbox already.","start":269.34,"end":271.34,"sentiment":"positive","sentiment_score":0.4312753180662791},{"text":"I I sent it to you before I oh.","start":271.34,"end":275.04,"sentiment":"neutral","sentiment_score":0.06668851855728361},{"text":"And I if if you scroll down to page 15 of that first document as well, it'll have it's one document, but there's actually two.","start":296.67,"end":308.205,"sentiment":"neutral","sentiment_score":-0.1262965726852417},{"text":"They're back to back, but it'll show as one.","start":308.205,"end":310.305,"sentiment":"neutral","sentiment_score":-0.011602741355697313},{"text":"But, basically, if you scroll down to page 15 of the statement of advice, which is the first document, you'll see the projections as well.","start":311.485,"end":319.49,"sentiment":"neutral","sentiment_score":0.040587538406252864}],"sentiment":"neutral","sentiment_score":0.029019792213455423,"num_words":77,"start":269.34,"end":319.49},{"sentences":[{"text":"So I've popped that in there for you as well.","start":319.49,"end":321.40997,"sentiment":"neutral","sentiment_score":0.1262044072151184},{"text":"So it shows shows the difference of because you have the two accounts open at the moment with the one for the tax free and one for, like, taxable.","start":321.40997,"end":330.47,"sentiment":"neutral","sentiment_score":0.07991779749763422},{"text":"After we merge them, the decrease in the pension payments, what that looks like ongoing for five and ten years.","start":332.315,"end":339.27502,"sentiment":"neutral","sentiment_score":-0.11435668151825666},{"text":"So while it's obviously gonna deplete slowly, it's it's actually gonna it's gonna pull you straight through.","start":339.27502,"end":345.36002,"sentiment":"neutral","sentiment_score":-0.1483653288553743},{"text":"And then I didn't go any further than ten years because by the time we hit ten years, we're pension eligible, and we can obviously start up.","start":345.36002,"end":354.26,"sentiment":"neutral","sentiment_score":-0.22277313029324566}],"sentiment":"neutral","sentiment_score":-0.07033551979846167,"num_words":103,"start":319.49,"end":354.26},{"sentences":[{"text":"Well, we we won't have to rethink it, but we'll we'll you'll you'll be able to draw less on the on the account.","start":356.975,"end":363.555,"sentiment":"neutral","sentiment_score":0.06512266510854596},{"text":"The the strategy is still gonna just we'll we'll have to pull less because we will have the pension available, or you can pull more.","start":364.095,"end":370.655,"sentiment":"neutral","sentiment_score":0.07342162042856216},{"text":"You can keep pulling the same amount.","start":370.655,"end":372.06,"sentiment":"neutral","sentiment_score":0.18898514338902064},{"text":"You'll just have more available to you, and you can live a little bit frivolously.","start":372.06,"end":375.52,"sentiment":"positive","sentiment_score":0.35097526709238686},{"text":"Yes.","start":389.48502,"end":389.98502,"sentiment":"neutral","sentiment_score":-0.05967002734541893}],"sentiment":"neutral","sentiment_score":0.13889037733766393,"num_words":71,"start":356.975,"end":389.98502},{"sentences":[{"text":"Yes.","start":400.88,"end":401.38,"sentiment":"neutral","sentiment_score":0.21199893951416016},{"text":"We can we can future plan that.","start":421.31,"end":423.73,"sentiment":"neutral","sentiment_score":0.30881636270454954},{"text":"If you that we if you do end up picking up any work, just let me know so I can open a Swifter account because all your money is gonna be sitting in pension.","start":424.67,"end":432.99002,"sentiment":"neutral","sentiment_score":0.1811751258723876},{"text":"You can't contribute to a pension account.","start":432.99002,"end":434.85,"sentiment":"neutral","sentiment_score":0.027527753529804095},{"text":"So if you do pick up any any casual work, depends off it it depends if it's casual on the books or cash in hand, obviously.","start":435.625,"end":441.88498,"sentiment":"neutral","sentiment_score":0.08194782685201901}],"sentiment":"neutral","sentiment_score":0.1447600737462441,"num_words":75,"start":400.88,"end":441.88498},{"sentences":[{"text":"If it's yeah.","start":442.185,"end":443.865,"sentiment":"neutral","sentiment_score":-0.0310385599732399},{"text":"If it's on the books, then they'll have to pay super, and that's fine.","start":443.865,"end":447.00497,"sentiment":"neutral","sentiment_score":-0.004227133999977793},{"text":"You just let me know if you pick up work.","start":447.06497,"end":449.405,"sentiment":"neutral","sentiment_score":0.054184339568018915},{"text":"I'm assuming we're looking at, like, under 10 hours if you pick up yes.","start":449.94498,"end":459.41,"sentiment":"neutral","sentiment_score":0.013275292502450091},{"text":"Yeah.","start":459.41,"end":459.65,"sentiment":"neutral","sentiment_score":0.039450693875551224}],"sentiment":"neutral","sentiment_score":0.014639348301681735,"num_words":42,"start":442.185,"end":459.65},{"sentences":[{"text":"Under 20 a fortnight to keep up because you're you're, like, you're retired, but if you do pick up a little bit of work, you can you can definitely earn.","start":459.65,"end":469.41498,"sentiment":"neutral","sentiment_score":0.1343002110098799},{"text":"It's just there's rules and regulations to it.","start":469.41498,"end":476.29498,"sentiment":"neutral","sentiment_score":-0.1835763994604349},{"text":"All the it it it does.","start":476.29498,"end":479.91,"sentiment":"neutral","sentiment_score":-0.11061200002829234},{"text":"Just a little bit, but nothing crazy.","start":479.91,"end":481.61002,"sentiment":"neutral","sentiment_score":-0.03704173383968217},{"text":"The money that you have in the an account is still gonna be in pension account.","start":482.31,"end":485.19,"sentiment":"neutral","sentiment_score":0.010453004390001297}],"sentiment":"neutral","sentiment_score":0.026935508474707603,"num_words":67,"start":459.65,"end":485.19},{"sentences":[{"text":"It's the pension phase.","start":485.19,"end":486.49,"sentiment":"neutral","sentiment_score":0.05404552165418863},{"text":"It's just it's just yeah.","start":486.87,"end":488.31,"sentiment":"neutral","sentiment_score":0.04651138484477997},{"text":"It just adds a little bit of a layer, but nothing nothing strenuous to it.","start":488.31,"end":492.25,"sentiment":"neutral","sentiment_score":0.034759887556235},{"text":"Oh, I love.","start":513.63,"end":514.51,"sentiment":"positive","sentiment_score":0.45080957810084027},{"text":"Yep.","start":514.51,"end":514.75,"sentiment":"neutral","sentiment_score":0.2910447120666504}],"sentiment":"neutral","sentiment_score":0.0933432418054768,"num_words":28,"start":485.19,"end":514.75},{"sentences":[{"text":"No.","start":514.75,"end":515.14996,"sentiment":"neutral","sentiment_score":0.18506190180778503},{"text":"Fair.","start":515.14996,"end":515.39,"sentiment":"neutral","sentiment_score":0.10673977434635162},{"text":"Fair.","start":515.39,"end":515.47,"sentiment":"neutral","sentiment_score":0.1178046464920044},{"text":"Fair.","start":515.47,"end":515.97,"sentiment":"neutral","sentiment_score":0.1512870192527771},{"text":"Absolutely.","start":516.02997,"end":516.51,"sentiment":"positive","sentiment_score":0.33858564496040344}],"sentiment":"neutral","sentiment_score":0.1798957973718643,"num_words":5,"start":514.75,"end":516.51},{"sentences":[{"text":"I have a couple of clients that way.","start":516.51,"end":518.37,"sentiment":"neutral","sentiment_score":0.18798020854592323},{"text":"I have I have a I have a client that actually lives on a lives on a farm stay, and he doesn't earn any money unless he goes and works in the cafe, but everyone basically earns their keep by tending to the gardens and all of the fruit and everything and veg in the gardens goes into the cafe.","start":519.305,"end":541.08,"sentiment":"neutral","sentiment_score":0.08998790184656778},{"text":"It's kind of a cute little system.","start":541.08,"end":542.62,"sentiment":"positive","sentiment_score":0.40426922323448317},{"text":"It won't.","start":543.64,"end":544.305,"sentiment":"neutral","sentiment_score":0.13512665778398514},{"text":"Yeah.","start":544.625,"end":544.905,"sentiment":"neutral","sentiment_score":0.010545678436756134}],"sentiment":"neutral","sentiment_score":0.12838204276676363,"num_words":78,"start":516.51,"end":544.905},{"sentences":[{"text":"It's in the middle of bum nowhere, but he's great.","start":544.905,"end":549.045,"sentiment":"neutral","sentiment_score":0.029346044920384885},{"text":"Yeah.","start":554.545,"end":555.045,"sentiment":"neutral","sentiment_score":-0.05152928829193115},{"text":"Bum nowhere.","start":555.265,"end":556.085,"sentiment":"neutral","sentiment_score":-0.09733137115836143},{"text":"Yeah.","start":574.53503,"end":574.93506,"sentiment":"neutral","sentiment_score":0.002332395873963833},{"text":"So it's pro rata, meaning that it'll take from each of the it it'll it'll basically take the a portion.","start":574.93506,"end":582.23505,"sentiment":"neutral","sentiment_score":0.017422654572874306}],"sentiment":"neutral","sentiment_score":0.011707467821371905,"num_words":34,"start":544.905,"end":582.23505},{"sentences":[{"text":"So a portion of the account just pro rata instead of yeah.","start":582.59,"end":585.71,"sentiment":"neutral","sentiment_score":0.01356311064834396},{"text":"So pro rata is a portion of that account and just and and literally just slide it to the other account.","start":585.71,"end":590.77,"sentiment":"neutral","sentiment_score":0.02368957500550009},{"text":"So so the way the contribution goes yeah.","start":591.15,"end":595.80505,"sentiment":"neutral","sentiment_score":-0.003607072285376489},{"text":"So the the the $400,000 account has all of the tax free money, whereas that $200,000 account has the taxable funds.","start":595.80505,"end":605.825,"sentiment":"neutral","sentiment_score":-0.03571002832835629},{"text":"So the taxable funds, we're gonna do that 110.","start":607.085,"end":610.73004,"sentiment":"neutral","sentiment_score":0.01586130913347006}],"sentiment":"neutral","sentiment_score":0.00034116918194881626,"num_words":71,"start":582.59,"end":610.73004},{"sentences":[{"text":"It'll pull it'll pro rata.","start":610.79004,"end":612.71,"sentiment":"neutral","sentiment_score":0.026429375261068346},{"text":"So the way the recontribution actually works and if you, like, if you physically just sit and watch the accounts, it's quick.","start":612.71,"end":619.69,"sentiment":"neutral","sentiment_score":0.2746157266876914},{"text":"But, basically, what happens is the money will leave that $200,000 account.","start":619.75,"end":624.705,"sentiment":"neutral","sentiment_score":0.10811643054087956},{"text":"The 110 will literally pop over to an investment account.","start":624.78503,"end":628.085,"sentiment":"neutral","sentiment_score":0.18764964640140533},{"text":"So it leaves the super super super environment, but it slides it over so you don't pay you don't pay any any tax on it.","start":628.22504,"end":636.305,"sentiment":"neutral","sentiment_score":0.2914214587211609}],"sentiment":"neutral","sentiment_score":0.22477193191848896,"num_words":74,"start":610.79004,"end":636.305},{"sentences":[{"text":"You don't pay any sell downs or anything like that, and then it slides over into the new account.","start":636.305,"end":642.33997,"sentiment":"neutral","sentiment_score":0.1461835915320798},{"text":"Then once that'll happen mhmm.","start":642.8,"end":645.86,"sentiment":"neutral","sentiment_score":0.08533187955617905},{"text":"It'll be a so it's a 110,000 that will do will that will move, but any money that moves between any money that's withdrawn from Super always happens across like, evenly across the tax free and taxable portion.","start":648.0,"end":664.525,"sentiment":"neutral","sentiment_score":0.07847089173370286},{"text":"So because you have it's, like, 77.5554, something like that, percent is tax free sorry.","start":664.745,"end":676.24,"sentiment":"neutral","sentiment_score":0.0933312344054381},{"text":"It's taxable.","start":676.24,"end":676.89996,"sentiment":"neutral","sentiment_score":0.07802389189600945}],"sentiment":"neutral","sentiment_score":0.09800073193221152,"num_words":79,"start":636.305,"end":676.89996},{"sentences":[{"text":"It's basically that 77% that will that will convert into tax free.","start":677.36,"end":684.26495,"sentiment":"neutral","sentiment_score":0.10734114485482375},{"text":"The rest of the money that the the the sort of 23% will just move tax free and stay tax free.","start":684.64496,"end":691.865,"sentiment":"neutral","sentiment_score":0.09157127851531618},{"text":"So what what the full 100 and 10 yeah.","start":695.02997,"end":698.57,"sentiment":"neutral","sentiment_score":-0.12178241937524742},{"text":"So it's so super can can be held in three different components.","start":700.07,"end":705.13,"sentiment":"neutral","sentiment_score":0.10989727359265089},{"text":"Tax free, taxable, and untaxed.","start":705.91,"end":708.845,"sentiment":"neutral","sentiment_score":0.07076225653290749}],"sentiment":"neutral","sentiment_score":0.06419707421150248,"num_words":59,"start":677.36,"end":708.845},{"sentences":[{"text":"Untaxed means that it's never been taxed by a super fund or a or by your marginal tax rate, so personally.","start":709.225,"end":717.885,"sentiment":"neutral","sentiment_score":0.014251423789010871},{"text":"Taxable you you have nothing that's untaxed.","start":718.90497,"end":731.06,"sentiment":"neutral","sentiment_score":0.06806872439171587},{"text":"All your money is taxable or tax free.","start":731.27997,"end":735.03503,"sentiment":"neutral","sentiment_score":0.08589168265461922},{"text":"The tax free funds are essentially anything that you've put in and you've paid your highest marginal tax rate at, which theoretically would be The UK pension, but I can't confirm whether it is because I obviously haven't been able to track that from the establishment as I said in my email.","start":735.175,"end":754.45,"sentiment":"neutral","sentiment_score":-0.10041988200436418},{"text":"It'll come out it'll come out pro rata of the two of them.","start":763.995,"end":768.495,"sentiment":"neutral","sentiment_score":-0.14352504565165594}],"sentiment":"neutral","sentiment_score":-0.055690742833171006,"num_words":101,"start":709.225,"end":768.495},{"sentences":[{"text":"Yeah.","start":770.075,"end":770.315,"sentiment":"neutral","sentiment_score":0.004600517451763153},{"text":"So everything comes pro rata.","start":770.315,"end":771.755,"sentiment":"neutral","sentiment_score":-0.013720521330833435},{"text":"So the five so you'll have majority of money sitting tax free, but it and it'll come pro rata across.","start":771.755,"end":777.4,"sentiment":"neutral","sentiment_score":0.0042394822463393215},{"text":"So every time the $5,000 comes out, to pay like, your account will be sitting very, very, very heavily in the tax free portion.","start":777.4,"end":786.84,"sentiment":"neutral","sentiment_score":-0.20359964917103449},{"text":"Most of it will come from the tax free portion, and it will just keep going out like that.","start":786.84,"end":791.725,"sentiment":"neutral","sentiment_score":-0.16177759397971003}],"sentiment":"neutral","sentiment_score":-0.11506345376804256,"num_words":69,"start":770.075,"end":791.725},{"sentences":[{"text":"Obviously, my hope is is that you you use all of the money and that there's like, that you live long enough to use all the money, and we're not, you know, we're not while we wanna leave something for the kids, your life and your enjoyment is what you worked hard to get.","start":791.725,"end":808.66,"sentiment":"positive","sentiment_score":0.532709546663143},{"text":"And that's what my hope is for most of my clients.","start":809.27997,"end":812.18,"sentiment":"positive","sentiment_score":0.6596547365188599},{"text":"But this allows us, if anything happens to you before we exhaust all the funds, to have most of it sitting for the girls.","start":812.88,"end":822.075,"sentiment":"neutral","sentiment_score":0.3118454323460658},{"text":"Now because we because we've done what we're doing, we can't put any money into your super fund, nonconcessionally, which is where that tax free portion comes from, for three financial years.","start":822.295,"end":839.85,"sentiment":"neutral","sentiment_score":-0.020057442045072094},{"text":"So the next time we can do this is the 2930 financial year.","start":840.995,"end":846.77496,"sentiment":"neutral","sentiment_score":0.060980259225918695}],"sentiment":"neutral","sentiment_score":0.325803830017294,"num_words":134,"start":791.725,"end":846.77496},{"sentences":[{"text":"Yep.","start":852.435,"end":852.675,"sentiment":"neutral","sentiment_score":0.02102517895400524},{"text":"We can look at putting like a estimate account.","start":852.675,"end":860.27,"sentiment":"neutral","sentiment_score":-0.15610354393720627},{"text":"You you can still put it into Super.","start":860.27,"end":862.11,"sentiment":"neutral","sentiment_score":0.06439290102571249},{"text":"It's just we create like, we create a Super account, pop it in, and then we just remerge the the pension account.","start":862.11,"end":869.15,"sentiment":"neutral","sentiment_score":0.08789387362247164},{"text":"And it's it's a little bit of paperwork, but it's not impossible.","start":869.15,"end":872.58496,"sentiment":"neutral","sentiment_score":-0.016850673438360293}],"sentiment":"neutral","sentiment_score":0.016590262118440408,"num_words":52,"start":852.435,"end":872.58496},{"sentences":[{"text":"It's just a couple of steps like we've done already.","start":872.64496,"end":875.225,"sentiment":"neutral","sentiment_score":0.11806237697601318},{"text":"Yeah.","start":882.74,"end":883.24,"sentiment":"neutral","sentiment_score":-0.011704114265739918},{"text":"Yeah.","start":887.06,"end":887.56,"sentiment":"neutral","sentiment_score":0.018406201153993607},{"text":"But, like, if dad if dad passes in, say, the next twelve months, tap wood, then we could set up, like, an investment account.","start":887.94,"end":896.275,"sentiment":"neutral","sentiment_score":0.034387381824975215},{"text":"So we could we could have, like, a a an investment account sitting next to your super account because we can't put it into the super but we could have a what's called an IDPS.","start":896.275,"end":904.615,"sentiment":"neutral","sentiment_score":0.02504280025272497}],"sentiment":"neutral","sentiment_score":0.040691845483002316,"num_words":71,"start":872.64496,"end":904.615},{"sentences":[{"text":"So it's a an a personal investment account where we could still in we could still do everything there, and you could draw down on some of the money if and when you needed it.","start":904.675,"end":914.68,"sentiment":"neutral","sentiment_score":0.051376718655228616},{"text":"Yes.","start":928.97504,"end":929.295,"sentiment":"neutral","sentiment_score":0.31394046545028687},{"text":"You can go have a drink for Friday afternoon.","start":929.295,"end":931.395,"sentiment":"positive","sentiment_score":0.3667196234067281},{"text":"I absolutely love.","start":954.885,"end":956.185,"sentiment":"positive","sentiment_score":0.7107683022816976},{"text":"Oh.","start":962.18,"end":962.68,"sentiment":"neutral","sentiment_score":-0.002328748814761638}],"sentiment":"neutral","sentiment_score":0.15393017116477903,"num_words":49,"start":904.675,"end":962.68},{"sentences":[{"text":"No.","start":962.82,"end":963.3,"sentiment":"neutral","sentiment_score":-0.010964158922433851},{"text":"Oh, yeah.","start":963.3,"end":963.7,"sentiment":"neutral","sentiment_score":0.022015300579369068},{"text":"No.","start":963.7,"end":964.02,"sentiment":"neutral","sentiment_score":0.013385003432631493},{"text":"Fri Fridays, I work from home.","start":964.02,"end":965.94,"sentiment":"neutral","sentiment_score":0.0916729358335336},{"text":"It they it allows me to spend a little bit of time with my kids, so I generally go walk down and drop them off at school and then go pick them up at 02:30, but I forced my husband to come home tonight and or this afternoon, and he's done the school.","start":965.94,"end":980.215,"sentiment":"neutral","sentiment_score":0.07599130979264682}],"sentiment":"neutral","sentiment_score":0.07339727745524474,"num_words":63,"start":962.82,"end":980.215},{"sentences":[{"text":"So no.","start":980.215,"end":981.49506,"sentiment":"neutral","sentiment_score":-0.030865021981298923},{"text":"Oh my gosh.","start":981.49506,"end":982.05505,"sentiment":"neutral","sentiment_score":0.03832486520210902},{"text":"Don't even worry.","start":982.05505,"end":982.93506,"sentiment":"neutral","sentiment_score":0.0983068197965622},{"text":"It's so fine.","start":982.93506,"end":983.91504,"sentiment":"neutral","sentiment_score":0.29971415797869366},{"text":"I I generally sit at the kitchen table with them on a Friday afternoon.","start":984.11005,"end":987.71,"sentiment":"neutral","sentiment_score":0.3276843790497099}],"sentiment":"neutral","sentiment_score":0.2333955516666174,"num_words":25,"start":980.215,"end":987.71},{"sentences":[{"text":"I do my homework, and they do theirs.","start":987.71,"end":989.57,"sentiment":"positive","sentiment_score":0.3340836502611637},{"text":"So it works out nicely anyway.","start":989.79004,"end":993.81006,"sentiment":"positive","sentiment_score":0.4365062564611435},{"text":"Yes.","start":1010.22,"end":1010.72,"sentiment":"neutral","sentiment_score":-0.032884128391742706},{"text":"I'm I'm not too too too too concerned.","start":1035.13,"end":1038.0901,"sentiment":"neutral","sentiment_score":-0.0548579441383481},{"text":"Like, you don't have a large weighting in gold.","start":1038.0901,"end":1040.3501,"sentiment":"neutral","sentiment_score":-0.07062559533450338}],"sentiment":"neutral","sentiment_score":0.13076027191709727,"num_words":32,"start":987.71,"end":1040.3501},{"sentences":[{"text":"I'm not overly concerned with where the assets sit right now, to be completely honest.","start":1040.65,"end":1045.4701,"sentiment":"neutral","sentiment_score":-0.0588953805466493},{"text":"While go yeah.","start":1046.49,"end":1048.1901,"sentiment":"neutral","sentiment_score":-0.03209672557810942},{"text":"They even nicely.","start":1054.135,"end":1055.355,"sentiment":"neutral","sentiment_score":0.07965527474880219},{"text":"Yeah.","start":1057.975,"end":1058.2949,"sentiment":"neutral","sentiment_score":0.10345588624477386},{"text":"And and we haven't bought everything high because you've been putting money in regularly throughout.","start":1058.2949,"end":1064.4099,"sentiment":"neutral","sentiment_score":0.09795237531264624}],"sentiment":"neutral","sentiment_score":0.02248612041207584,"num_words":37,"start":1040.65,"end":1064.4099},{"sentences":[{"text":"I didn't sell everything.","start":1065.19,"end":1066.73,"sentiment":"neutral","sentiment_score":-0.08040740340948105},{"text":"You've held some of these assets for quite a long time.","start":1066.95,"end":1069.69,"sentiment":"neutral","sentiment_score":0.03822895342653448},{"text":"I'm it it it distributes through.","start":1070.1499,"end":1073.1299,"sentiment":"neutral","sentiment_score":0.13850915059447289},{"text":"And don't be wrong.","start":1073.19,"end":1074.23,"sentiment":"neutral","sentiment_score":0.0983478669077158},{"text":"We will still be in contact.","start":1074.23,"end":1076.155,"sentiment":"neutral","sentiment_score":0.1684845139582952}],"sentiment":"neutral","sentiment_score":0.07529813964520732,"num_words":31,"start":1065.19,"end":1076.155},{"sentences":[{"text":"So you and I can we can still email, and we'll still I'll still call you anyway.","start":1076.155,"end":1080.495,"sentiment":"neutral","sentiment_score":0.1326535002273672},{"text":"And we can I can swap out any of the assets if I'm not happy or or derisk or or move some down?","start":1081.355,"end":1087.4551,"sentiment":"neutral","sentiment_score":-0.05900630735508774},{"text":"So if I see anything that is alert like, alarming to me, I'll flick you an email and say, hey, bud.","start":1087.58,"end":1093.04,"sentiment":"neutral","sentiment_score":0.03426123800731841},{"text":"I wanna I wanna move this.","start":1093.1,"end":1094.46,"sentiment":"neutral","sentiment_score":0.0704277977347374},{"text":"Are you okay with that?","start":1094.46,"end":1095.34,"sentiment":"neutral","sentiment_score":0.06472211852669715}],"sentiment":"neutral","sentiment_score":0.032828164054080844,"num_words":72,"start":1076.155,"end":1095.34},{"sentences":[{"text":"I'm gonna send you a document, and we'll just yes.","start":1095.34,"end":1104.735,"sentiment":"neutral","sentiment_score":0.053211659938097},{"text":"And then yeah.","start":1105.675,"end":1108.235,"sentiment":"neutral","sentiment_score":0.05609302967786789},{"text":"There's there's always ebb and flow.","start":1108.235,"end":1110.015,"sentiment":"neutral","sentiment_score":0.03539819891254107},{"text":"There there really, really is.","start":1110.555,"end":1111.915,"sentiment":"neutral","sentiment_score":0.04557674303650856},{"text":"Like, across across your account as a whole, like, gold's gone up $10 with every you're holding.","start":1111.915,"end":1121.8201,"sentiment":"neutral","sentiment_score":0.17664177014547236}],"sentiment":"neutral","sentiment_score":0.10106289486696081,"num_words":41,"start":1095.34,"end":1121.8201},{"sentences":[{"text":"So it it's it's all moved really, really nicely.","start":1123.48,"end":1125.98,"sentiment":"positive","sentiment_score":0.5240686734517416},{"text":"So I'm not I'm I'm really, really, really honestly, I'm not concerned.","start":1127.035,"end":1130.575,"sentiment":"neutral","sentiment_score":-0.10840779853363831},{"text":"The market's gonna ebb and flow a little bit, but it's it's doing really well.","start":1131.115,"end":1136.575,"sentiment":"neutral","sentiment_score":-0.0009770979483922323},{"text":"There's probably if anything, there's there's one asset that I might look at moving, but I'm gonna kind of I wanna settle I wanna settle everything and just push push everything to the pension account.","start":1141.3201,"end":1154.62,"sentiment":"neutral","sentiment_score":-0.0012459419800766878},{"text":"Yeah.","start":1155.735,"end":1156.215,"sentiment":"neutral","sentiment_score":0.027012165635824203}],"sentiment":"neutral","sentiment_score":0.047006558413462095,"num_words":72,"start":1123.48,"end":1156.215},{"sentences":[{"text":"Get it in that one place, and then I'll sit down and have another look at it.","start":1156.215,"end":1160.535,"sentiment":"neutral","sentiment_score":0.025268628809820202},{"text":"There's only one, which is the banking hybrid, which is your BHYD that I wanna probably look at moving, and that's mainly legislatively because they're being phased out.","start":1160.535,"end":1170.89,"sentiment":"neutral","sentiment_score":-0.014576429185191435},{"text":"While I'm not unhappy with how it's going, I'd wanna get out before that asset before that asset phased out, and it does take a bit of a dive, I wanna jump out of that.","start":1170.89,"end":1182.995,"sentiment":"neutral","sentiment_score":-0.03840631584503821},{"text":"But I'll wait till we're in the pension account before we start moving because that'll make right.","start":1182.995,"end":1191.735,"sentiment":"neutral","sentiment_score":-0.022049735519377625},{"text":"I've got a couple of bond options that I've started looking at for a few of my clients, but I'll see how I go.","start":1192.78,"end":1198.72,"sentiment":"neutral","sentiment_score":0.025249666223923366}],"sentiment":"neutral","sentiment_score":-0.009021883441735644,"num_words":121,"start":1156.215,"end":1198.72},{"sentences":[{"text":"No.","start":1204.22,"end":1204.46,"sentiment":"neutral","sentiment_score":0.015431161969900131},{"text":"That's okay.","start":1204.46,"end":1205.1,"sentiment":"neutral","sentiment_score":0.032976098358631134},{"text":"I I'm gonna I'm gonna sit on as soon as you soon as you sign, I'm gonna submit that application to get that money book booked.","start":1205.1,"end":1214.215,"sentiment":"neutral","sentiment_score":0.06409869242746097},{"text":"Because book book is how we're going for a Friday afternoon.","start":1217.315,"end":1220.2949,"sentiment":"neutral","sentiment_score":0.11906261132522063},{"text":"Yeah.","start":1225.2101,"end":1225.53,"sentiment":"neutral","sentiment_score":0.08345925807952881}],"sentiment":"neutral","sentiment_score":0.07661213035263666,"num_words":41,"start":1204.22,"end":1225.53},{"sentences":[{"text":"Exactly.","start":1225.53,"end":1226.03,"sentiment":"neutral","sentiment_score":0.13493481278419495},{"text":"That you too.","start":1229.8501,"end":1232.01,"sentiment":"neutral","sentiment_score":0.30096155405044556},{"text":"If you have any questions, send me an email because our phone lines are off now.","start":1232.01,"end":1236.11,"sentiment":"neutral","sentiment_score":0.04395412467420101},{"text":"So you won't be able to get through.","start":1236.965,"end":1241.1716,"sentiment":"neutral","sentiment_score":0.01009481865912676},{"text":"Yep.","start":1241.4983,"end":1241.9983,"sentiment":"neutral","sentiment_score":0.05332329124212265}],"sentiment":"neutral","sentiment_score":0.06466094173234084,"num_words":29,"start":1225.53,"end":1241.9983},{"sentences":[{"text":"No.","start":1242.325,"end":1242.485,"sentiment":"neutral","sentiment_score":0.034600500017404556},{"text":"It's okay, Carol.","start":1242.485,"end":1243.365,"sentiment":"neutral","sentiment_score":0.0760131577650706},{"text":"You have a good one.","start":1243.365,"end":1244.325,"sentiment":"positive","sentiment_score":0.787770438194275},{"text":"Send me a photo of your of your view when you have a chance.","start":1244.325,"end":1247.9451,"sentiment":"neutral","sentiment_score":0.20312554495675222},{"text":"I do love seeing them.","start":1248.165,"end":1249.465,"sentiment":"neutral","sentiment_score":-0.19602237939834594}],"sentiment":"neutral","sentiment_score":0.216612067738814,"num_words":28,"start":1242.325,"end":1249.465},{"sentences":[{"text":"Yeah.","start":1252.97,"end":1253.47,"sentiment":"neutral","sentiment_score":0.1264701932668686},{"text":"Have a good one, darling.","start":1257.37,"end":1258.67,"sentiment":"positive","sentiment_score":0.6662462949752808},{"text":"Bye.","start":1261.2101,"end":1261.7101,"sentiment":"neutral","sentiment_score":-0.10387378931045532}],"sentiment":"positive","sentiment_score":0.47911826840468813,"num_words":7,"start":1252.97,"end":1261.7101}]}}]},{"alternatives":[{"transcript":"Hello? I'm very good. Thank you. How are you? Are you all better? And the tiling is always so awful, isn't it? Like, it's like it has happened at your end. It's just like, what? It just means that next time they don't have to ask you again. That's all. Hopefully, they've learned. Yeah. Good. Good. Yeah. Yeah. Yeah. Yeah. Okay. So so at the moment, there's a lot of money sitting in a cash account not earning anything. No. And you're in hub twenty four. It's sitting in the cash account waiting for something to happen. The February? Okay. Okay. So signing the document, it's okay to do it online. I don't I'm sitting next to a river with nothing. So okay. I I I saw it come in. I put my computer on so that I could try and be ready, and my computer's just been annoying the shit out of me. So just as well, I said, let me do it an hour later because I was on time, but just couldn't get the computer. It was updating. I restarted about five times. Anyway so I haven't even opened it. Oh, what do you mean the first document? Only got one. Okay. Oh, excellent. Okay. Yeah. We'll have to rethink everything again. Yeah. Well, no. Because but then I think my my risk would be more cautionary, I'd say, with the money. Yeah. Okay. So another question, if I do casual work on the road, that still is okay because that's in the other cap. It's the non the non concessionary or whatever it is. So that's that's still will be will that be tax free to the kids, or will that just be part of our plan for future bringing it in? Yes. I can. Yeah. No. It won't. Yeah. Okay. Because is that what it needs to be? Under twenty a fortnight. Okay. It complicates it complicates things. Okay. Alright. And chances are the kind of work is you do some admin and then you stay free at the property kind of thing. You know, it's that kind of work. So you don't pay a site fee. You just stay there for nothing. That's the kind of work I'll probably end up picking up. Yeah. Okay. Yes. Yeah. I love it. I love it. Yes. You didn't say that right. From what? Nowhere? Oh, funny. Okay. My understanding so you said it was prorated. Is that because it's prorated between the accounts? Okay. Okay. Because the other account's already got some. Yes. Okay. Yeah. Yeah. Okay. But it's not a 100 but you're saying it's 76. Mhmm. Okay. Yeah. Okay. Okay. I still don't understand, but I'm I'm trying to see it. Okay. So that would be the $2.80 and the 100 that I brought over from pension in The UK. Okay. Okay. No. Okay. And when I get paid, it comes out of the tax free piece, not in the oh, okay. Okay. Yes. Yes. Yeah. Yeah. Okay. Okay. So if my dad dies, I just save it somewhere. No. Because it would be better it would be better oh, no. Because I'm on a pension thing, so I can't put it into super. Okay. Yeah. But it would it would be a substantial amount, and it I would rather it was safe there than it would be, you know, just sitting in the bank getting 3%. Oh, okay. Okay. Okay. Alright. I think I'm clearer. Okay. I will look through this and try and sign it now so I can go and sit outside and enjoy. I already am. Honestly, if you could see my view, it is so pretty. I'm on the river. Somebody's farm. They do people come and stay. And, you know, you've gotta be totally self sufficient, and it's just stunning. Stunning. Stunning. Stunning. So okay. I heard dogs barking, so I'm guessing you're working from home. I'm sorry. Sorry. Lovely. Oh, okay. Well, enjoy, and I will speak to you again. Oh, sorry. One more. One more. The so we made changes to the investment portfolio when Donald started all his shit with the tariffs and everything. And a lot like, a lot of them aren't moving. So is that gonna be relooked at? Because I think every like, we bought high, and some of them are not gonna go much higher in the shortfall. Like, gold went really high, but we were buying it when it was really high. Okay. So even though there's been no movement and losses over, like, the the gains and whatever Okay. Yeah. 10. Yeah. Some of the older ones have done well and are still doing well. It's some of the newer ones that just haven't. You know? That's that's always, I guess, the way. Yes. Yes. Okay. Yeah. Oh, well, we're probably due for another reshuffle again, aren't we? That's probably gonna Have it all in one place. Yeah. Okay. Oh, okay. Yes. I know. It's it's doing well. Yeah. Okay. Okay. Okay. Okay. And it'll be interesting to know where you wanna put it. Okay. Too well. Thank you, my girl. Okay. Thank you. I knew what you meant. Yeah. Okay. Thank you. Have a lovely weekend. Oh, okay. That's it. Thanks, Larissa. K. Thank you. I can't because it's oh, I can do it on Facebook. I mean, on email. I can. Yes. Okay. Alrighty. Thank you. 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I'm very good. Thank you. How are you? Are you all better?\n\nAnd the tiling is always so awful, isn't it? Like, it's like it has happened at your end. It's just like, what? It just means that next time they don't have to ask you again. That's all.\n\nHopefully, they've learned. Yeah. Good. Good. Yeah.\n\nYeah. Yeah. Yeah. Okay. So so at the moment, there's a lot of money sitting in a cash account not earning anything.\n\nNo. And you're in hub twenty four. It's sitting in the cash account waiting for something to happen. The February? Okay.\n\nOkay. So signing the document, it's okay to do it online. I don't I'm sitting next to a river with nothing. So okay. I I I saw it come in.\n\nI put my computer on so that I could try and be ready, and my computer's just been annoying the shit out of me. So just as well, I said, let me do it an hour later because I was on time, but just couldn't get the computer. It was updating. I restarted about five times. Anyway so I haven't even opened it.\n\nOh, what do you mean the first document? Only got one. Okay. Oh, excellent. Okay.\n\nYeah. We'll have to rethink everything again. Yeah. Well, no. Because but then I think my my risk would be more cautionary, I'd say, with the money.\n\nYeah. Okay. So another question, if I do casual work on the road, that still is okay because that's in the other cap. It's the non the non concessionary or whatever it is. So that's that's still will be will that be tax free to the kids, or will that just be part of our plan for future bringing it in?\n\nYes. I can. Yeah. No. It won't.\n\nYeah. Okay. Because is that what it needs to be? Under twenty a fortnight. Okay.\n\nIt complicates it complicates things. Okay. Alright. And chances are the kind of work is you do some admin and then you stay free at the property kind of thing. You know, it's that kind of work.\n\nSo you don't pay a site fee. You just stay there for nothing. That's the kind of work I'll probably end up picking up. Yeah. Okay.\n\nYes. Yeah. I love it. I love it. Yes.\n\nYou didn't say that right. From what? Nowhere? Oh, funny. Okay.\n\nMy understanding so you said it was prorated. Is that because it's prorated between the accounts? Okay. Okay. Because the other account's already got some.\n\nYes. Okay. Yeah. Yeah. Okay.\n\nBut it's not a 100 but you're saying it's 76. Mhmm. Okay. Yeah. Okay.\n\nOkay. I still don't understand, but I'm I'm trying to see it. Okay. So that would be the $2.80 and the 100 that I brought over from pension in The UK. Okay.\n\nOkay. No. Okay. And when I get paid, it comes out of the tax free piece, not in the oh, okay. Okay.\n\nYes. Yes. Yeah. Yeah. Okay.\n\nOkay. So if my dad dies, I just save it somewhere. No. Because it would be better it would be better oh, no. Because I'm on a pension thing, so I can't put it into super.\n\nOkay. Yeah. But it would it would be a substantial amount, and it I would rather it was safe there than it would be, you know, just sitting in the bank getting 3%. Oh, okay. Okay.\n\nOkay. Alright. I think I'm clearer. Okay. I will look through this and try and sign it now so I can go and sit outside and enjoy.\n\nI already am. Honestly, if you could see my view, it is so pretty. I'm on the river. Somebody's farm. They do people come and stay.\n\nAnd, you know, you've gotta be totally self sufficient, and it's just stunning. Stunning. Stunning. Stunning. So okay.\n\nI heard dogs barking, so I'm guessing you're working from home. I'm sorry. Sorry. Lovely. Oh, okay.\n\nWell, enjoy, and I will speak to you again. Oh, sorry. One more. One more. The so we made changes to the investment portfolio when Donald started all his shit with the tariffs and everything.\n\nAnd a lot like, a lot of them aren't moving. So is that gonna be relooked at? Because I think every like, we bought high, and some of them are not gonna go much higher in the shortfall. Like, gold went really high, but we were buying it when it was really high. Okay.\n\nSo even though there's been no movement and losses over, like, the the gains and whatever Okay. Yeah. 10. Yeah. Some of the older ones have done well and are still doing well.\n\nIt's some of the newer ones that just haven't. You know? That's that's always, I guess, the way. Yes. Yes.\n\nOkay. Yeah. Oh, well, we're probably due for another reshuffle again, aren't we? That's probably gonna Have it all in one place. Yeah.\n\nOkay. Oh, okay. Yes. I know. It's it's doing well.\n\nYeah. Okay. Okay. Okay. Okay.\n\nAnd it'll be interesting to know where you wanna put it. Okay. Too well. Thank you, my girl. Okay.\n\nThank you. I knew what you meant. Yeah. Okay. Thank you.\n\nHave a lovely weekend. Oh, okay. That's it. Thanks, Larissa. K.\n\nThank you. I can't because it's oh, I can do it on Facebook. I mean, on email. I can. Yes.\n\nOkay. Alrighty. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.027070309966802597},{"text":"I'm very good.","start":5.7599998,"end":6.7999997,"sentiment":"positive","sentiment_score":0.7149613698323568},{"text":"Thank you.","start":6.7999997,"end":7.62,"sentiment":"positive","sentiment_score":0.7599259912967682},{"text":"How are you?","start":10.719999,"end":11.599999,"sentiment":"neutral","sentiment_score":0.265727236866951},{"text":"Are you all better?","start":11.599999,"end":12.74,"sentiment":"neutral","sentiment_score":0.16928992047905922}],"sentiment":"positive","sentiment_score":0.3973959841980384,"num_words":13,"start":0.39999998,"end":12.74},{"sentences":[{"text":"And the tiling is always so awful, isn't it?","start":38.675003,"end":41.475002,"sentiment":"neutral","sentiment_score":-0.15778338784972826},{"text":"Like, it's like it has happened at your 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things.","start":475.38998,"end":478.12997,"sentiment":"neutral","sentiment_score":-0.22728544771671294},{"text":"Okay.","start":492.585,"end":493.085,"sentiment":"neutral","sentiment_score":0.07898362725973129},{"text":"Alright.","start":495.54498,"end":496.04498,"sentiment":"neutral","sentiment_score":0.1198103055357933},{"text":"And chances are the kind of work is you do some admin and then you stay free at the property kind of thing.","start":496.185,"end":503.56,"sentiment":"neutral","sentiment_score":0.10547087600697642},{"text":"You know, it's that kind of work.","start":503.56,"end":505.08002,"sentiment":"neutral","sentiment_score":0.0773349085024425}],"sentiment":"neutral","sentiment_score":0.05485246491593283,"num_words":37,"start":475.38998,"end":505.08002},{"sentences":[{"text":"So you don't pay a site fee.","start":505.08002,"end":507.16,"sentiment":"neutral","sentiment_score":0.06247948216540473},{"text":"You just stay there for nothing.","start":507.16,"end":508.86002,"sentiment":"neutral","sentiment_score":0.058183750758568444},{"text":"That's the kind of work I'll probably end up picking up.","start":509.96002,"end":512.7,"sentiment":"neutral","sentiment_score":0.07081607255068692},{"text":"Yeah.","start":516.40497,"end":516.90497,"sentiment":"neutral","sentiment_score":0.21129930019378665},{"text":"Okay.","start":518.96497,"end":519.46497,"sentiment":"neutral","sentiment_score":0.08289380371570587}],"sentiment":"neutral","sentiment_score":0.07152418391062663,"num_words":26,"start":505.08002,"end":519.46497},{"sentences":[{"text":"Yes.","start":538.25995,"end":538.75995,"sentiment":"neutral","sentiment_score":0.08785328269004822},{"text":"Yeah.","start":541.525,"end":542.025,"sentiment":"neutral","sentiment_score":0.28782835602760315},{"text":"I love it.","start":542.885,"end":543.645,"sentiment":"positive","sentiment_score":0.6930037339528402},{"text":"I love 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guessing you're working from home.","start":958.335,"end":961.29504,"sentiment":"neutral","sentiment_score":0.0680903595956889},{"text":"I'm sorry.","start":961.29504,"end":962.03503,"sentiment":"neutral","sentiment_score":-0.016180197708308697},{"text":"Sorry.","start":979.70996,"end":980.20996,"sentiment":"neutral","sentiment_score":-0.06478699296712875},{"text":"Lovely.","start":993.645,"end":994.145,"sentiment":"positive","sentiment_score":0.5278165936470032},{"text":"Oh, okay.","start":994.445,"end":995.725,"sentiment":"neutral","sentiment_score":0.20732331275939941}],"sentiment":"neutral","sentiment_score":0.09378292860791963,"num_words":17,"start":958.335,"end":995.725},{"sentences":[{"text":"Well, enjoy, and I will speak to you again.","start":995.725,"end":998.66,"sentiment":"neutral","sentiment_score":0.22034917440679339},{"text":"Oh, sorry.","start":998.88,"end":999.92,"sentiment":"neutral","sentiment_score":-0.030467435717582703},{"text":"One 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Okay.","start":1046.745,"end":1057.21,"sentiment":"neutral","sentiment_score":-0.07820207143531126},{"text":"Yeah.","start":1085.74,"end":1086.24,"sentiment":"neutral","sentiment_score":-0.032101310789585114},{"text":"10.","start":1091.5,"end":1092.0,"sentiment":"neutral","sentiment_score":0.03921123594045639},{"text":"Yeah.","start":1097.275,"end":1097.355,"sentiment":"neutral","sentiment_score":0.0504201203584671},{"text":"Some of the older ones have done well and are still doing well.","start":1097.355,"end":1100.635,"sentiment":"neutral","sentiment_score":0.18672291819865888}],"sentiment":"neutral","sentiment_score":0.03501493235429128,"num_words":33,"start":1046.745,"end":1100.635},{"sentences":[{"text":"It's some of the newer ones that just haven't.","start":1100.635,"end":1102.975,"sentiment":"neutral","sentiment_score":-0.03582446939415402},{"text":"You know?","start":1103.035,"end":1103.515,"sentiment":"neutral","sentiment_score":0.010604455135762691},{"text":"That's that's always, I guess, the way.","start":1103.515,"end":1106.85,"sentiment":"neutral","sentiment_score":0.061461089977196286},{"text":"Yes.","start":1118.85,"end":1119.225,"sentiment":"neutral","sentiment_score":0.19087907671928409},{"text":"Yes.","start":1130.585,"end":1131.085,"sentiment":"neutral","sentiment_score":0.03322003036737442}],"sentiment":"neutral","sentiment_score":0.017655771132558583,"num_words":20,"start":1100.635,"end":1131.085},{"sentences":[{"text":"Okay.","start":1131.225,"end":1131.725,"sentiment":"neutral","sentiment_score":-0.000593475648202002},{"text":"Yeah.","start":1134.31,"end":1134.81,"sentiment":"neutral","sentiment_score":0.001460040919482708},{"text":"Oh, well, we're probably due for another reshuffle again, aren't we?","start":1135.11,"end":1139.69,"sentiment":"neutral","sentiment_score":0.02573267836123705},{"text":"That's probably gonna Have it all in one place.","start":1141.19,"end":1154.745,"sentiment":"neutral","sentiment_score":-0.0003327943074206513},{"text":"Yeah.","start":1155.045,"end":1155.545,"sentiment":"neutral","sentiment_score":0.02153058908879757}],"sentiment":"neutral","sentiment_score":0.013150498589865216,"num_words":23,"start":1131.225,"end":1155.545},{"sentences":[{"text":"Okay.","start":1161.08,"end":1161.58,"sentiment":"neutral","sentiment_score":-0.0052158888429403305},{"text":"Oh, okay.","start":1171.3151,"end":1172.055,"sentiment":"neutral","sentiment_score":-0.14396817237138748},{"text":"Yes.","start":1173.395,"end":1173.795,"sentiment":"neutral","sentiment_score":-0.012291643768548964},{"text":"I know.","start":1173.795,"end":1174.355,"sentiment":"neutral","sentiment_score":-0.025759126991033554},{"text":"It's it's doing well.","start":1174.355,"end":1175.635,"sentiment":"neutral","sentiment_score":0.025495235808193684}],"sentiment":"neutral","sentiment_score":-0.025498118810355665,"num_words":10,"start":1161.08,"end":1175.635},{"sentences":[{"text":"Yeah.","start":1175.635,"end":1176.035,"sentiment":"neutral","sentiment_score":-0.007461468689143658},{"text":"Okay.","start":1176.035,"end":1176.535,"sentiment":"neutral","sentiment_score":-0.005974326282739639},{"text":"Okay.","start":1176.995,"end":1177.495,"sentiment":"neutral","sentiment_score":-0.0031697824597358704},{"text":"Okay.","start":1178.755,"end":1179.255,"sentiment":"neutral","sentiment_score":-0.01190923247486353},{"text":"Okay.","start":1181.555,"end":1182.055,"sentiment":"neutral","sentiment_score":-0.022805841639637947}],"sentiment":"neutral","sentiment_score":-0.010264130309224129,"num_words":5,"start":1175.635,"end":1182.055},{"sentences":[{"text":"And it'll be interesting to know where you wanna put it.","start":1186.88,"end":1189.86,"sentiment":"neutral","sentiment_score":-0.02270089394666932},{"text":"Okay.","start":1199.2,"end":1199.7,"sentiment":"neutral","sentiment_score":0.08438746631145477},{"text":"Too well.","start":1200.645,"end":1201.385,"sentiment":"neutral","sentiment_score":0.17222444713115692},{"text":"Thank you, my girl.","start":1201.4451,"end":1202.745,"sentiment":"positive","sentiment_score":0.3363758623600006},{"text":"Okay.","start":1214.725,"end":1215.225,"sentiment":"neutral","sentiment_score":0.1216595321893692}],"sentiment":"neutral","sentiment_score":0.08664681625209357,"num_words":19,"start":1186.88,"end":1215.225},{"sentences":[{"text":"Thank you.","start":1215.76,"end":1216.5,"sentiment":"neutral","sentiment_score":0.23820479959249496},{"text":"I knew what you meant.","start":1222.7999,"end":1224.02,"sentiment":"neutral","sentiment_score":0.0397324375808239},{"text":"Yeah.","start":1227.12,"end":1227.44,"sentiment":"neutral","sentiment_score":0.17459452152252197},{"text":"Okay.","start":1227.44,"end":1227.94,"sentiment":"neutral","sentiment_score":0.29217496514320374},{"text":"Thank you.","start":1228.08,"end":1228.9,"sentiment":"positive","sentiment_score":0.5324303507804871}],"sentiment":"neutral","sentiment_score":0.2006092704832554,"num_words":11,"start":1215.76,"end":1228.9},{"sentences":[{"text":"Have a lovely weekend.","start":1229.0399,"end":1230.34,"sentiment":"positive","sentiment_score":0.626950740814209},{"text":"Oh, okay.","start":1236.605,"end":1237.425,"sentiment":"neutral","sentiment_score":0.011434333864599466},{"text":"That's it.","start":1238.845,"end":1239.665,"sentiment":"neutral","sentiment_score":0.022777863778173923},{"text":"Thanks, Larissa.","start":1240.205,"end":1241.185,"sentiment":"neutral","sentiment_score":0.10918000340461731},{"text":"K.","start":1244.01,"end":1244.51,"sentiment":"neutral","sentiment_score":0.20808887481689453}],"sentiment":"neutral","sentiment_score":0.27297056728804653,"num_words":11,"start":1229.0399,"end":1244.51},{"sentences":[{"text":"Thank you.","start":1244.65,"end":1245.39,"sentiment":"neutral","sentiment_score":0.28251612931489944},{"text":"I can't because it's oh, I can do it on Facebook.","start":1248.01,"end":1250.91,"sentiment":"neutral","sentiment_score":-0.06779651648618958},{"text":"I mean, on email.","start":1250.9701,"end":1252.01,"sentiment":"neutral","sentiment_score":0.00515603367239237},{"text":"I can.","start":1252.01,"end":1252.41,"sentiment":"neutral","sentiment_score":0.06828727014362812},{"text":"Yes.","start":1252.41,"end":1252.91,"sentiment":"neutral","sentiment_score":0.11293432116508484}],"sentiment":"neutral","sentiment_score":0.004470178671181202,"num_words":20,"start":1244.65,"end":1252.91},{"sentences":[{"text":"Okay.","start":1254.3301,"end":1254.8301,"sentiment":"neutral","sentiment_score":0.1608412116765976},{"text":"Alrighty.","start":1255.4501,"end":1255.9501,"sentiment":"positive","sentiment_score":0.4194888174533844},{"text":"Thank you.","start":1258.839,"end":1259.6589,"sentiment":"positive","sentiment_score":0.7367007732391357},{"text":"Bye.","start":1260.3589,"end":1260.8589,"sentiment":"positive","sentiment_score":0.4141544699668884}],"sentiment":"positive","sentiment_score":0.4935772091150284,"num_words":5,"start":1254.3301,"end":1260.8589}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Carol. Larissa from. How are you going?\n\nChannel 1: I'm very good. Thank you.\n\nChannel 0: That's good, my darling.\n\nChannel 1: How\n\nChannel 0: I\n\nChannel 1: are\n\nChannel 0: was\n\nChannel 1: you? Are you all better?\n\nChannel 0: oh, I am now. I have been dead. Oh, I am I don't even know what happened. I probably should've put my butt in hospital. But, anyway, I kind of just died in bed for two solid weeks.\n\nMy family just stayed away from me, and I slept. It was horrendous, to be completely honest with you. But, anyway, what\n\nChannel 1: And\n\nChannel 0: happens\n\nChannel 1: the tiling\n\nChannel 0: when we burn\n\nChannel 1: is\n\nChannel 0: the camel?\n\nChannel 1: always so awful, isn't it? Like, it's like it has happened at your end. It's just like, what?\n\nChannel 0: Oh, I know. I think I think it's I haven't been, like, really sick. Like, I've been in the industry for ten years, and every year, there's always, like towards Christmas, I always kinda crash out. And I haven't been sick in probably two or three years, and I felt it coming on. And I was like, no.\n\nNo. No. We'll just we'll sleep. And then because it was end of financial year, beginning a new financial year type of period, like, I just wasn't sleeping because I was, like, ticking over in my head, everything, you know, as it does. And yeah.\n\nSo I ended up crashing out, and even while I was crashing out, I had the members messaging, and they're like, can you help me with this one? I was like, absolutely. This is what I let this is what you should do, and they're like, thanks. And I'm like, that's okay. Go up in a ball and die again.\n\nSo\n\nChannel 1: It just means that next time they don't have to ask you again. That's all.\n\nChannel 0: exactly.\n\nChannel 1: Hopefully, they've learned. Yeah.\n\nChannel 0: Yeah. No. No. That that was that was absolutely it. So it was fine.\n\nWe we got it all done.\n\nChannel 1: Good. Good.\n\nChannel 0: Anyway, I've sent you the documents. Realistically so this is just an update to the advice I gave you last time.\n\nChannel 1: Yeah.\n\nChannel 0: So when you when you messaged, I literally sat there and went, actually, we should we we would definitely can do it. So it's a $110,000, exactly as I said in my emails, that we can flip into, like, a like, that that tax free portion. It's gonna\n\nChannel 1: Yeah.\n\nChannel 0: be prorated, so it ends up being, like, 78,000. As I said in my emails, that we sort of end up moving over to tax free, but it just helps out if anything happens to you, your girls don't pay.\n\nChannel 1: Yeah.\n\nChannel 0: Nearly much tax or have as much taken away from them from an estate perspective. That's literally all it is. It's just basically the final two steps. It's a repeat of, obviously, that pension step. So once we flip the money, we'll reset up the pension account.\n\nBut that's it. And then decreasing the pension down to $5,000 now that you've established that you don't want what was $78,000 a year. We're dropping\n\nChannel 1: Yeah.\n\nChannel 0: it down to the 6, which is $5 a month. That that can you spell off in an application form for me to be able to do the recontribution strategy? And then once that's settled, I'll flip flick you a quick email to say that it's done, and I'll do a quick flip of the pension accounts to remerge them. But that'll be after your October 1 August. August 1 pension payment.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: this will\n\nChannel 1: So\n\nChannel 0: settle\n\nChannel 1: so at the moment, there's a lot of money sitting in a cash account not earning anything.\n\nChannel 0: in your bank account?\n\nChannel 1: No. And you're in hub twenty four. It's sitting in the cash account waiting for something to happen. The\n\nChannel 0: Yes.\n\nChannel 1: February?\n\nChannel 0: Yeah. Yeah. No. That's I wanted to talk to you first to get this done because the like, before it buys in, which I think is gonna literally buy in over the weekend, I wanted to submit this application just because it'll go through quicker than if\n\nChannel 1: Okay.\n\nChannel 0: I buy and do that. I don't I just didn't wanna delay everything. It's still earning. It's just obviously not earning the investment amount, but I wanted to get this one one first.\n\nChannel 1: Okay.\n\nChannel 0: So otherwise, pulls it. It it makes it a lot\n\nChannel 1: So\n\nChannel 0: it'll push it out a lot further.\n\nChannel 1: signing the document, it's okay to do it online. I don't I'm sitting next to a river with nothing.\n\nChannel 0: Absolutely.\n\nChannel 1: So\n\nChannel 0: You can do it online. So\n\nChannel 1: okay.\n\nChannel 0: it it should be in your inbox already. I I sent it to\n\nChannel 1: I\n\nChannel 0: you before\n\nChannel 1: I I saw\n\nChannel 0: I\n\nChannel 1: it come in. I put my computer\n\nChannel 0: oh.\n\nChannel 1: on so that I could try and be ready, and my computer's just been annoying the shit out of me. So just as well, I said, let me do it an hour later because I was on time, but just couldn't get the computer. It was updating. I restarted about five times. Anyway so\n\nChannel 0: And I if if you scroll down to page 15 of that first\n\nChannel 1: I\n\nChannel 0: document\n\nChannel 1: haven't\n\nChannel 0: as\n\nChannel 1: even\n\nChannel 0: well,\n\nChannel 1: opened it. Oh, what do you mean the first document? Only got one.\n\nChannel 0: it'll have it's one document, but there's actually two. They're back to back, but it'll\n\nChannel 1: Okay.\n\nChannel 0: show as one. But, basically, if you scroll down to page 15 of the statement of advice, which is the first document, you'll see the projections as well. So I've popped that in there for you as well.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: excellent.\n\nChannel 0: it shows\n\nChannel 1: Okay.\n\nChannel 0: shows the difference of because you have the two accounts open at the moment with the one for the tax free and one for, like, taxable.\n\nChannel 1: Yeah.\n\nChannel 0: After we merge them, the decrease in the pension payments, what that looks like ongoing for five and ten years. So while it's obviously gonna deplete slowly, it's it's actually gonna it's gonna pull you straight through. And then I didn't go any further than ten years because by the time we hit ten years, we're pension eligible, and we can obviously\n\nChannel 1: We'll have\n\nChannel 0: start\n\nChannel 1: to rethink\n\nChannel 0: up.\n\nChannel 1: everything again.\n\nChannel 0: Well, we we won't have to rethink it, but we'll we'll you'll you'll be able to draw less on the on the account. The the strategy is still gonna just we'll we'll have to pull less because we will have the pension available, or you can pull more. You can keep pulling the same amount. You'll just have more available to you, and you can live a little bit frivolously.\n\nChannel 1: Yeah. Well, no. Because but then I think my my risk would be more cautionary, I'd say,\n\nChannel 0: Yes.\n\nChannel 1: with the money. Yeah. Okay. So another question, if I do casual work on the road,\n\nChannel 0: Yes.\n\nChannel 1: that still is okay because that's in the other cap. It's the non the non concessionary or whatever it is. So that's that's still will be will that be tax free to the kids, or will that just be part of our plan for future bringing it in?\n\nChannel 0: We can we can future plan that.\n\nChannel 1: Yes. I\n\nChannel 0: If\n\nChannel 1: can.\n\nChannel 0: you that we if you do end up picking up any work, just let me know so I can\n\nChannel 1: Yeah.\n\nChannel 0: open a Swifter account because all your money is gonna be sitting in pension. You can't contribute to a pension account. So if you do pick up any any casual work, depends off it it depends if it's casual on the books or cash in hand, obviously.\n\nChannel 1: No. It won't.\n\nChannel 0: If it's\n\nChannel 1: Yeah.\n\nChannel 0: yeah. If it's on the books, then they'll have to pay super, and that's fine. You just let me know if you pick up work.\n\nChannel 1: Okay.\n\nChannel 0: I'm assuming we're looking at, like, under 10\n\nChannel 1: Because is that\n\nChannel 0: hours\n\nChannel 1: what\n\nChannel 0: if\n\nChannel 1: it\n\nChannel 0: you\n\nChannel 1: needs\n\nChannel 0: pick up\n\nChannel 1: to be? Under twenty a fortnight.\n\nChannel 0: yes. Yeah. Under 20 a fortnight\n\nChannel 1: Okay.\n\nChannel 0: to keep up because you're you're, like, you're retired, but if you do pick up a little bit of work, you can you can definitely earn. It's just there's rules and\n\nChannel 1: It\n\nChannel 0: regulations\n\nChannel 1: complicates\n\nChannel 0: to it. All\n\nChannel 1: it complicates things.\n\nChannel 0: the it it it does. Just a little bit, but nothing crazy. The money that you have in the an account is still gonna be in pension account. It's the pension phase. It's just it's just yeah.\n\nIt just adds a little bit of a layer, but nothing nothing strenuous to it.\n\nChannel 1: Okay. Alright. And chances are the kind of work is you do some admin and then you stay free at the property kind of thing. You know, it's that kind of work. So you don't pay a site fee.\n\nYou just stay there for nothing. That's the kind of work I'll probably end up picking up.\n\nChannel 0: Oh, I love. Yep. No. Fair. Fair.\n\nFair. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: I have a couple of clients that way.\n\nChannel 1: Okay.\n\nChannel 0: I have I have a I have a client that actually lives on a lives on a farm stay, and he doesn't earn any money unless he goes and works in the cafe, but everyone basically earns their keep by tending to the gardens and all of the fruit and\n\nChannel 1: Yes.\n\nChannel 0: everything and veg in the gardens goes into the cafe. It's kind of\n\nChannel 1: Yeah.\n\nChannel 0: a cute little system.\n\nChannel 1: I love it.\n\nChannel 0: It\n\nChannel 1: I\n\nChannel 0: won't.\n\nChannel 1: love it.\n\nChannel 0: Yeah. It's in the middle of bum nowhere, but\n\nChannel 1: Yes.\n\nChannel 0: he's great.\n\nChannel 1: You didn't say that right. From what? Nowhere?\n\nChannel 0: Yeah. Bum nowhere.\n\nChannel 1: Oh, funny. Okay. My understanding so you said it was prorated. Is that because it's prorated between the accounts?\n\nChannel 0: Yeah. So it's pro rata, meaning that it'll take from each of the it it'll it'll basically take the a portion. So a portion of the account just pro rata instead of yeah. So pro rata is a portion of that account and just and and literally just slide it to the other\n\nChannel 1: Okay.\n\nChannel 0: account.\n\nChannel 1: Okay.\n\nChannel 0: So so the way the\n\nChannel 1: Because\n\nChannel 0: contribution\n\nChannel 1: the other\n\nChannel 0: goes\n\nChannel 1: account's already got some.\n\nChannel 0: yeah. So the the the $400,000 account has all of the tax free money, whereas that $200,000 account has the taxable funds.\n\nChannel 1: Yes. Okay.\n\nChannel 0: So the taxable funds, we're gonna do that 110. It'll pull it'll pro rata. So the way the recontribution actually works and if you, like, if you physically just sit and watch the accounts, it's quick. But, basically,\n\nChannel 1: Yeah.\n\nChannel 0: what happens is the money will leave that $200,000 account. The\n\nChannel 1: Yeah.\n\nChannel 0: 110 will literally pop over to an investment account. So it leaves the super super super environment, but it slides it over so you don't pay you don't pay any any tax on it. You don't pay any sell downs or anything like that, and\n\nChannel 1: Okay.\n\nChannel 0: then it slides over into the new account. Then\n\nChannel 1: But\n\nChannel 0: once\n\nChannel 1: it's\n\nChannel 0: that'll\n\nChannel 1: not a 100\n\nChannel 0: happen\n\nChannel 1: but you're saying\n\nChannel 0: mhmm.\n\nChannel 1: it's 76.\n\nChannel 0: It'll be a so it's a 110,000 that will do will that will move, but\n\nChannel 1: Mhmm.\n\nChannel 0: any money that moves between any money that's withdrawn from Super always happens across like, evenly across the tax free and taxable portion. So because you have it's,\n\nChannel 1: Okay.\n\nChannel 0: like, 77.5554, something like that,\n\nChannel 1: Yeah.\n\nChannel 0: percent is tax free sorry. It's taxable. It's basically that 77% that will that will convert into tax free. The rest\n\nChannel 1: Okay.\n\nChannel 0: of the money that the the the sort of 23% will just move tax free and stay tax free.\n\nChannel 1: Okay. I still don't understand,\n\nChannel 0: So what\n\nChannel 1: but\n\nChannel 0: what\n\nChannel 1: I'm\n\nChannel 0: the full\n\nChannel 1: I'm trying\n\nChannel 0: 100\n\nChannel 1: to see\n\nChannel 0: and 10\n\nChannel 1: it.\n\nChannel 0: yeah. So it's so super can can be held in three different components. Tax free, taxable, and untaxed. Untaxed means that it's never been taxed by a super fund or a or by your marginal tax rate, so personally.\n\nChannel 1: Okay. So\n\nChannel 0: Taxable\n\nChannel 1: that would be the $2.80 and the 100 that I brought over from pension in The UK.\n\nChannel 0: you you have nothing that's untaxed. All your money is taxable or tax free. The tax\n\nChannel 1: Okay.\n\nChannel 0: free funds are essentially anything that you've put in and you've paid your highest marginal tax rate at, which theoretically would be The UK pension, but I can't confirm\n\nChannel 1: Okay. No.\n\nChannel 0: whether it is because I obviously haven't been able to track that from the establishment as I said in my email.\n\nChannel 1: Okay. And when I get paid, it comes out of the tax free piece,\n\nChannel 0: It'll\n\nChannel 1: not in\n\nChannel 0: come out\n\nChannel 1: the\n\nChannel 0: it'll come out pro rata of the two of them.\n\nChannel 1: oh, okay. Okay.\n\nChannel 0: Yeah. So everything comes pro rata. So the five so you'll have majority of money sitting tax free, but it and it'll come pro rata across. So every time the $5,000 comes out, to pay like, your account will be sitting very, very, very heavily in the tax free portion. Most of it will come from the tax free portion, and it will just keep going out like that.\n\nObviously, my hope is is that you you use all of the money and that there's like, that you live long enough to use all the money, and we're not,\n\nChannel 1: Yes.\n\nChannel 0: you know, we're not while we wanna leave something for the kids, your life and your enjoyment is what you worked hard to get.\n\nChannel 1: Yes.\n\nChannel 0: And that's what my hope is for most of my clients.\n\nChannel 1: Yeah.\n\nChannel 0: But this allows us, if anything happens to you before we exhaust all the funds, to have most of it sitting for the girls. Now because we because we've done what we're doing, we can't put any money into your super fund, nonconcessionally, which is where that tax free portion comes from,\n\nChannel 1: Yeah.\n\nChannel 0: for three financial years.\n\nChannel 1: Okay.\n\nChannel 0: So the next time we can do this is the 2930 financial year.\n\nChannel 1: Okay. So if my dad dies, I just save it somewhere.\n\nChannel 0: Yep. We\n\nChannel 1: No.\n\nChannel 0: can\n\nChannel 1: Because\n\nChannel 0: look at\n\nChannel 1: it\n\nChannel 0: putting\n\nChannel 1: would\n\nChannel 0: like\n\nChannel 1: be\n\nChannel 0: a\n\nChannel 1: better it would be better oh, no. Because I'm on a pension thing, so I can't put it into super.\n\nChannel 0: estimate account. You you can still put it into Super. It's just we create like, we create a Super account, pop it in, and then we just remerge the the pension account. And\n\nChannel 1: Okay.\n\nChannel 0: it's it's a little bit of paperwork, but it's not impossible. It's just a couple of steps like we've done already.\n\nChannel 1: Yeah. But it would it would be a substantial amount, and it I would rather it was safe there than it would be,\n\nChannel 0: Yeah.\n\nChannel 1: you know, just sitting in the bank getting 3%.\n\nChannel 0: Yeah. But, like, if dad if dad passes in, say, the next twelve months, tap wood, then we could set up, like, an investment account. So we could we could have, like, a a an investment account sitting next to your super account because we can't\n\nChannel 1: Oh,\n\nChannel 0: put it\n\nChannel 1: okay.\n\nChannel 0: into the super but we could have a what's called an IDPS. So it's a an a personal investment account where we could still in we could still do everything there, and you could draw down on some of the money if and when you needed it.\n\nChannel 1: Okay. Okay. Alright. I think I'm clearer. Okay.\n\nI will look through this and try and sign it now so I can go and sit outside and enjoy.\n\nChannel 0: Yes. You can go have a drink for Friday afternoon.\n\nChannel 1: I already am. Honestly, if you could see my view, it is so pretty. I'm on the river. Somebody's farm. They do people come and stay.\n\nAnd, you know, you've gotta be totally self sufficient, and it's just stunning. Stunning. Stunning. Stunning.\n\nChannel 0: I absolutely love.\n\nChannel 1: So okay. I heard dogs barking, so I'm guessing you're working from home. I'm sorry.\n\nChannel 0: Oh. No. Oh, yeah. No. Fri Fridays, I work from home.\n\nIt they it allows me to spend a little bit of time with my kids, so I generally go walk down and drop them off at school and then go pick them up at 02:30, but I forced my husband to come home tonight and or this afternoon, and he's done\n\nChannel 1: Sorry.\n\nChannel 0: the school. So no. Oh my gosh. Don't even worry. It's so fine.\n\nI I generally sit at the kitchen table with them on a Friday afternoon. I do my homework, and they do theirs. So it works out nicely anyway.\n\nChannel 1: Lovely. Oh, okay. Well, enjoy, and I will speak to you again. Oh, sorry. One more.\n\nOne more. The so we made changes to the investment portfolio\n\nChannel 0: Yes.\n\nChannel 1: when Donald started all his shit with the tariffs and everything. And a lot like, a lot of them aren't moving. So is that gonna be relooked at? Because I think every like, we bought high, and some of them are not gonna go much higher in the shortfall. Like, gold went really high, but we were buying it when it was really high.\n\nChannel 0: I'm I'm not too too too too concerned. Like, you don't have a large weighting in gold. I'm not overly concerned with where the assets sit right now, to be completely honest.\n\nChannel 1: Okay.\n\nChannel 0: While\n\nChannel 1: So even though\n\nChannel 0: go\n\nChannel 1: there's\n\nChannel 0: yeah.\n\nChannel 1: been no movement and losses over, like, the the gains and whatever\n\nChannel 0: They even nicely.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. And and we haven't bought everything high because you've been putting money in regularly throughout. I didn't sell everything. You've held some of these assets for quite a long time. I'm it it it distributes through.\n\nAnd don't be wrong. We will still be in contact. So you and I can we can still email, and we'll still I'll still call you anyway. And we can I can swap out any of the assets if I'm not happy or or derisk\n\nChannel 1: Yeah.\n\nChannel 0: or or move some down? So if I see anything that is alert like, alarming to me, I'll flick\n\nChannel 1: 10.\n\nChannel 0: you an email and say, hey, bud. I wanna I wanna move this. Are you okay with that? I'm gonna send you a document, and\n\nChannel 1: Yeah. Some\n\nChannel 0: we'll just\n\nChannel 1: of the older ones have done well and are still doing well. It's some of the newer ones that just haven't. You know? That's\n\nChannel 0: yes.\n\nChannel 1: that's always,\n\nChannel 0: And\n\nChannel 1: I guess,\n\nChannel 0: then\n\nChannel 1: the way.\n\nChannel 0: yeah. There's there's always ebb and flow. There there really, really is. Like, across across your account as a whole, like, gold's gone up $10\n\nChannel 1: Yes.\n\nChannel 0: with every you're holding. So it it's it's all moved really, really nicely. So I'm not I'm I'm really, really, really honestly, I'm not concerned.\n\nChannel 1: Yes.\n\nChannel 0: The\n\nChannel 1: Okay.\n\nChannel 0: market's gonna ebb and flow a little bit, but it's\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Oh, well,\n\nChannel 0: doing\n\nChannel 1: we're probably\n\nChannel 0: really\n\nChannel 1: due\n\nChannel 0: well.\n\nChannel 1: for another reshuffle again, aren't we? That's\n\nChannel 0: There's\n\nChannel 1: probably\n\nChannel 0: probably\n\nChannel 1: gonna\n\nChannel 0: if anything, there's there's one asset that I might look at moving, but I'm gonna kind of I wanna settle I wanna settle everything and just push push everything\n\nChannel 1: Have it\n\nChannel 0: to\n\nChannel 1: all\n\nChannel 0: the pension\n\nChannel 1: in one\n\nChannel 0: account.\n\nChannel 1: place. Yeah.\n\nChannel 0: Yeah. Get it in that one place, and then I'll sit down and have another look at it. There's only\n\nChannel 1: Okay.\n\nChannel 0: one, which is the banking hybrid, which is your BHYD that I wanna probably look at moving, and that's mainly legislatively because they're being phased out. While I'm not\n\nChannel 1: Oh,\n\nChannel 0: unhappy\n\nChannel 1: okay.\n\nChannel 0: with how it's going,\n\nChannel 1: Yes.\n\nChannel 0: I'd\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: know.\n\nChannel 0: get out\n\nChannel 1: It's it's doing well.\n\nChannel 0: before\n\nChannel 1: Yeah.\n\nChannel 0: that asset\n\nChannel 1: Okay. Okay.\n\nChannel 0: before that asset phased out,\n\nChannel 1: Okay.\n\nChannel 0: and it does take a bit of a dive,\n\nChannel 1: Okay.\n\nChannel 0: I wanna jump out of that. But I'll wait till we're in the pension account before we start moving because\n\nChannel 1: And it'll\n\nChannel 0: that'll\n\nChannel 1: be interesting\n\nChannel 0: make\n\nChannel 1: to know where you wanna put it.\n\nChannel 0: right. I've got a couple of bond options that I've started looking at for a few of my clients, but I'll see how I go.\n\nChannel 1: Okay. Too well. Thank you, my girl.\n\nChannel 0: No. That's okay. I I'm gonna I'm gonna sit on as soon as you soon as you sign, I'm gonna submit that application to get that money book booked.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Because book book is how we're going for a Friday afternoon.\n\nChannel 1: I knew what you meant.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: Yeah. Okay. Thank you. Have a lovely weekend.\n\nChannel 0: That you too. If you have any questions, send me an email because our phone lines are off now.\n\nChannel 1: Oh, okay.\n\nChannel 0: So you won't be able\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: it.\n\nChannel 0: get\n\nChannel 1: Thanks,\n\nChannel 0: through.\n\nChannel 1: Larissa.\n\nChannel 0: Yep. No. It's okay, Carol. You have a good one.\n\nChannel 1: K.\n\nChannel 0: Send me a\n\nChannel 1: Thank\n\nChannel 0: photo\n\nChannel 1: you.\n\nChannel 0: of your of your view when you have a chance.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: can't\n\nChannel 0: do love\n\nChannel 1: because\n\nChannel 0: seeing them.\n\nChannel 1: it's oh, I can do it on Facebook. I mean, on email. I can. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Alrighty.\n\nChannel 0: Have a good one, darling.\n\nChannel 1: Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.027070309966802597}],"sentiment":"neutral","sentiment_score":0.027070309966802597,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hi, Carol.","start":1.92,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.13446490466594696},{"text":"Larissa from.","start":3.04,"end":4.1,"sentiment":"neutral","sentiment_score":0.15903356671333313},{"text":"How are you going?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.22570988535881042}],"sentiment":"neutral","sentiment_score":0.18622956052422523,"channel":0,"num_words":8,"start":1.92,"end":5.2999997},{"sentences":[{"text":"I'm very good.","start":5.7599998,"end":6.7999997,"sentiment":"positive","sentiment_score":0.7149613698323568},{"text":"Thank you.","start":6.7999997,"end":7.62,"sentiment":"positive","sentiment_score":0.7599259912967682}],"sentiment":"positive","sentiment_score":0.7329472184181214,"channel":1,"num_words":5,"start":5.7599998,"end":7.62},{"sentences":[{"text":"That's good, my darling.","start":8.72,"end":10.26,"sentiment":"positive","sentiment_score":0.7317893505096436}],"sentiment":"positive","sentiment_score":0.7317893505096436,"channel":0,"num_words":4,"start":8.72,"end":10.26},{"sentences":[{"text":"How","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":0.3246057629585266}],"sentiment":"neutral","sentiment_score":0.3246057629585266,"channel":1,"num_words":1,"start":10.719999,"end":10.96},{"sentences":[{"text":"I","start":10.8,"end":10.96,"sentiment":"neutral","sentiment_score":0.32011786103248596}],"sentiment":"neutral","sentiment_score":0.32011786103248596,"channel":0,"num_words":1,"start":10.8,"end":10.96},{"sentences":[{"text":"are","start":10.96,"end":11.2,"sentiment":"neutral","sentiment_score":0.2183963507413864}],"sentiment":"neutral","sentiment_score":0.2183963507413864,"channel":1,"num_words":1,"start":10.96,"end":11.2},{"sentences":[{"text":"was","start":10.96,"end":11.46,"sentiment":"neutral","sentiment_score":0.2917691767215729}],"sentiment":"neutral","sentiment_score":0.2917691767215729,"channel":0,"num_words":1,"start":10.96,"end":11.46},{"sentences":[{"text":"you?","start":11.2,"end":11.599999,"sentiment":"neutral","sentiment_score":0.25417959690093994},{"text":"Are you all better?","start":11.599999,"end":12.74,"sentiment":"neutral","sentiment_score":0.16928992047905922}],"sentiment":"neutral","sentiment_score":0.18626785576343535,"channel":1,"num_words":5,"start":11.2,"end":12.74},{"sentences":[{"text":"oh, I am now.","start":13.535,"end":15.475,"sentiment":"neutral","sentiment_score":-0.21606752462685108},{"text":"I have been dead.","start":15.535,"end":18.195,"sentiment":"negative","sentiment_score":-0.5348629206418991},{"text":"Oh, I am I don't even know what happened.","start":20.494999,"end":22.895,"sentiment":"neutral","sentiment_score":-0.3085095402267244},{"text":"I probably should've put my butt in hospital.","start":22.895,"end":25.235,"sentiment":"negative","sentiment_score":-0.3513762541115284},{"text":"But, anyway, I kind of just died in bed for two solid weeks.","start":25.375,"end":30.699999,"sentiment":"negative","sentiment_score":-0.39879336953163147}],"sentiment":"negative","sentiment_score":-0.36251661789260414,"channel":0,"num_words":38,"start":13.535,"end":30.699999},{"sentences":[{"text":"My family just stayed away from me, and I slept.","start":30.699999,"end":34.16,"sentiment":"negative","sentiment_score":-0.3884478956460953},{"text":"It was horrendous, to be completely honest with you.","start":35.1,"end":37.66,"sentiment":"negative","sentiment_score":-0.5892809828122457},{"text":"But, anyway, what","start":37.66,"end":38.78,"sentiment":"neutral","sentiment_score":-0.06195790817340215}],"sentiment":"negative","sentiment_score":-0.426085523922335,"channel":0,"num_words":22,"start":30.699999,"end":38.78},{"sentences":[{"text":"And","start":38.675003,"end":38.995003,"sentiment":"neutral","sentiment_score":-0.03781368210911751}],"sentiment":"neutral","sentiment_score":-0.03781368210911751,"channel":1,"num_words":1,"start":38.675003,"end":38.995003},{"sentences":[{"text":"happens","start":38.78,"end":39.1,"sentiment":"neutral","sentiment_score":-0.03954944387078285}],"sentiment":"neutral","sentiment_score":-0.03954944387078285,"channel":0,"num_words":1,"start":38.78,"end":39.1},{"sentences":[{"text":"the tiling","start":38.995003,"end":39.555,"sentiment":"neutral","sentiment_score":-0.07612990215420723}],"sentiment":"neutral","sentiment_score":-0.07612990215420723,"channel":1,"num_words":2,"start":38.995003,"end":39.555},{"sentences":[{"text":"when we burn","start":39.1,"end":39.66,"sentiment":"neutral","sentiment_score":-0.12453678001960118}],"sentiment":"neutral","sentiment_score":-0.12453678001960118,"channel":0,"num_words":3,"start":39.1,"end":39.66},{"sentences":[{"text":"is","start":39.555,"end":39.875,"sentiment":"neutral","sentiment_score":-0.12460009008646011}],"sentiment":"neutral","sentiment_score":-0.12460009008646011,"channel":1,"num_words":1,"start":39.555,"end":39.875},{"sentences":[{"text":"the camel?","start":39.66,"end":40.239998,"sentiment":"neutral","sentiment_score":-0.15747801214456558}],"sentiment":"neutral","sentiment_score":-0.15747801214456558,"channel":0,"num_words":2,"start":39.66,"end":40.239998},{"sentences":[{"text":"always so awful, isn't it?","start":39.875,"end":41.475002,"sentiment":"neutral","sentiment_score":-0.22107538282871247},{"text":"Like, it's like it has happened at your end.","start":41.475002,"end":43.635002,"sentiment":"neutral","sentiment_score":-0.18515828251838684},{"text":"It's just like, what?","start":43.635002,"end":44.935,"sentiment":"neutral","sentiment_score":-0.12634016573429108}],"sentiment":"neutral","sentiment_score":-0.18206456220812267,"channel":1,"num_words":18,"start":39.875,"end":44.935},{"sentences":[{"text":"Oh, I know.","start":45.435,"end":46.095,"sentiment":"neutral","sentiment_score":-0.11313053965568542},{"text":"I think I think it's I haven't been, like, really sick.","start":46.155,"end":49.275,"sentiment":"neutral","sentiment_score":-0.19606707312844016},{"text":"Like, I've been in the industry for ten years, and every year, there's always, like towards Christmas, I always kinda crash out.","start":49.275,"end":56.34,"sentiment":"neutral","sentiment_score":-0.15880470926111395},{"text":"And I haven't been sick in probably two or three years, and I felt it coming on.","start":57.22,"end":61.54,"sentiment":"neutral","sentiment_score":-0.23897525755798116},{"text":"And I was like, no.","start":61.54,"end":62.260002,"sentiment":"neutral","sentiment_score":-0.21828030347824096}],"sentiment":"neutral","sentiment_score":-0.19213472281036706,"channel":0,"num_words":58,"start":45.435,"end":62.260002},{"sentences":[{"text":"No.","start":62.260002,"end":62.34,"sentiment":"neutral","sentiment_score":-0.2753739356994629},{"text":"No.","start":62.34,"end":62.58,"sentiment":"neutral","sentiment_score":-0.22365495562553409},{"text":"We'll just we'll sleep.","start":62.58,"end":63.78,"sentiment":"neutral","sentiment_score":-0.16851569339632988},{"text":"And then because it was end of financial year, beginning a new financial year type of period, like, I just wasn't sleeping because I was, like, ticking over in my head, everything, you know, as it does.","start":63.78,"end":73.805,"sentiment":"neutral","sentiment_score":-0.18456600948765473},{"text":"And yeah.","start":75.545,"end":76.265,"sentiment":"neutral","sentiment_score":-0.14754723012447357}],"sentiment":"neutral","sentiment_score":-0.18438063280449973,"channel":0,"num_words":45,"start":62.260002,"end":76.265},{"sentences":[{"text":"So I ended up crashing out, and even while I was crashing out, I had the members messaging, and they're like, can you help me with this one?","start":76.265,"end":81.865,"sentiment":"neutral","sentiment_score":-0.10328424509082522},{"text":"I was like, absolutely.","start":81.865,"end":82.925,"sentiment":"neutral","sentiment_score":0.05974826868623495},{"text":"This is what I let this is what you should do, and they're like, thanks.","start":83.89001,"end":86.61,"sentiment":"neutral","sentiment_score":0.14489501814047495},{"text":"And I'm like, that's okay.","start":86.61,"end":87.73,"sentiment":"neutral","sentiment_score":0.04919495359063149},{"text":"Go up in a ball and die again.","start":87.73,"end":89.19,"sentiment":"neutral","sentiment_score":-0.06702512642368674}],"sentiment":"neutral","sentiment_score":-0.012829445985456307,"channel":0,"num_words":60,"start":76.265,"end":89.19},{"sentences":[{"text":"So","start":89.490005,"end":89.990005,"sentiment":"neutral","sentiment_score":0.047260478138923645}],"sentiment":"neutral","sentiment_score":0.047260478138923645,"channel":0,"num_words":1,"start":89.490005,"end":89.990005},{"sentences":[{"text":"It just means that next time they don't have to ask you again.","start":89.665,"end":92.465,"sentiment":"neutral","sentiment_score":-0.0011925351550766768},{"text":"That's all.","start":92.465,"end":93.204994,"sentiment":"neutral","sentiment_score":0.0403450783342123}],"sentiment":"neutral","sentiment_score":0.004345813310161854,"channel":1,"num_words":15,"start":89.665,"end":93.204994},{"sentences":[{"text":"exactly.","start":93.89,"end":94.39,"sentiment":"neutral","sentiment_score":0.04784221202135086}],"sentiment":"neutral","sentiment_score":0.04784221202135086,"channel":0,"num_words":1,"start":93.89,"end":94.39},{"sentences":[{"text":"Hopefully, they've learned.","start":94.704994,"end":95.905,"sentiment":"neutral","sentiment_score":0.03623966810603937},{"text":"Yeah.","start":95.905,"end":96.405,"sentiment":"neutral","sentiment_score":0.050373516976833344}],"sentiment":"neutral","sentiment_score":0.03977313032373786,"channel":1,"num_words":4,"start":94.704994,"end":96.405},{"sentences":[{"text":"Yeah.","start":97.425,"end":97.905,"sentiment":"neutral","sentiment_score":0.04113348945975304},{"text":"No.","start":97.905,"end":98.225006,"sentiment":"neutral","sentiment_score":-0.033481162041425705},{"text":"No.","start":98.225006,"end":98.465004,"sentiment":"neutral","sentiment_score":-0.03975505381822586},{"text":"That that was that was absolutely it.","start":98.465004,"end":101.585,"sentiment":"neutral","sentiment_score":-0.0053991590227399555},{"text":"So it was fine.","start":101.585,"end":103.105,"sentiment":"neutral","sentiment_score":0.21444430202245712}],"sentiment":"neutral","sentiment_score":0.056277169180767875,"channel":0,"num_words":14,"start":97.425,"end":103.105},{"sentences":[{"text":"We we got it all done.","start":103.105,"end":105.045006,"sentiment":"neutral","sentiment_score":0.2539027159412702}],"sentiment":"neutral","sentiment_score":0.2539027159412702,"channel":0,"num_words":6,"start":103.105,"end":105.045006},{"sentences":[{"text":"Good.","start":106.159996,"end":106.659996,"sentiment":"positive","sentiment_score":0.36429131031036377},{"text":"Good.","start":106.71999,"end":107.21999,"sentiment":"neutral","sentiment_score":0.2610090374946594}],"sentiment":"neutral","sentiment_score":0.3126501739025116,"channel":1,"num_words":2,"start":106.159996,"end":107.21999},{"sentences":[{"text":"Anyway, I've sent you the 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pay.","start":142.83,"end":149.74501,"sentiment":"neutral","sentiment_score":0.1170101708041564}],"sentiment":"neutral","sentiment_score":0.10830923898611218,"channel":0,"num_words":40,"start":139.31001,"end":149.74501},{"sentences":[{"text":"Yeah.","start":150.315,"end":150.815,"sentiment":"neutral","sentiment_score":-0.09333162009716034}],"sentiment":"neutral","sentiment_score":-0.09333162009716034,"channel":1,"num_words":1,"start":150.315,"end":150.815},{"sentences":[{"text":"Nearly much tax or have as much taken away from them from an estate perspective.","start":150.68501,"end":154.54501,"sentiment":"negative","sentiment_score":-0.38283846179644265},{"text":"That's literally all it is.","start":155.16501,"end":156.52501,"sentiment":"neutral","sentiment_score":-0.07262684255838395},{"text":"It's just basically the final two steps.","start":156.52501,"end":158.205,"sentiment":"neutral","sentiment_score":0.1221479709659304},{"text":"It's a repeat of, obviously, that pension 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and some of them are not gonna go much higher in the shortfall.","start":1022.03503,"end":1028.43,"sentiment":"neutral","sentiment_score":-0.16802296521408217},{"text":"Like, gold went really high, but we were buying it when it was really high.","start":1028.5701,"end":1033.4701,"sentiment":"neutral","sentiment_score":-0.018733313928047817}],"sentiment":"neutral","sentiment_score":-0.13002942263847217,"channel":1,"num_words":64,"start":1011.23505,"end":1033.4701},{"sentences":[{"text":"I'm I'm not too too too too concerned.","start":1035.13,"end":1038.0901,"sentiment":"neutral","sentiment_score":-0.0548579441383481},{"text":"Like, you don't have a large weighting in gold.","start":1038.0901,"end":1040.3501,"sentiment":"neutral","sentiment_score":-0.07062559533450338},{"text":"I'm not overly concerned with where the assets sit right now, to be completely 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meant.","start":1222.7999,"end":1224.02,"sentiment":"neutral","sentiment_score":0.0397324375808239}],"sentiment":"neutral","sentiment_score":0.0397324375808239,"channel":1,"num_words":5,"start":1222.7999,"end":1224.02},{"sentences":[{"text":"Yeah.","start":1225.2101,"end":1225.53,"sentiment":"neutral","sentiment_score":0.08345925807952881},{"text":"Exactly.","start":1225.53,"end":1226.03,"sentiment":"neutral","sentiment_score":0.13493481278419495}],"sentiment":"neutral","sentiment_score":0.10919703543186188,"channel":0,"num_words":2,"start":1225.2101,"end":1226.03},{"sentences":[{"text":"Yeah.","start":1227.12,"end":1227.44,"sentiment":"neutral","sentiment_score":0.17459452152252197},{"text":"Okay.","start":1227.44,"end":1227.94,"sentiment":"neutral","sentiment_score":0.29217496514320374},{"text":"Thank you.","start":1228.08,"end":1228.9,"sentiment":"positive","sentiment_score":0.5324303507804871},{"text":"Have a lovely 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chance.","start":1245.125,"end":1247.9451,"sentiment":"neutral","sentiment_score":0.19870646446943283}],"sentiment":"neutral","sentiment_score":0.19870646446943283,"channel":0,"num_words":10,"start":1245.125,"end":1247.9451},{"sentences":[{"text":"I","start":1248.01,"end":1248.25,"sentiment":"negative","sentiment_score":-0.33372098207473755}],"sentiment":"negative","sentiment_score":-0.33372098207473755,"channel":1,"num_words":1,"start":1248.01,"end":1248.25},{"sentences":[{"text":"I","start":1248.165,"end":1248.325,"sentiment":"negative","sentiment_score":-0.46374279260635376}],"sentiment":"negative","sentiment_score":-0.46374279260635376,"channel":0,"num_words":1,"start":1248.165,"end":1248.325},{"sentences":[{"text":"can't","start":1248.25,"end":1248.5701,"sentiment":"neutral","sentiment_score":-0.3194153904914856}],"sentiment":"neutral","sentiment_score":-0.3194153904914856,"channel":1,"num_words":1,"start":1248.25,"end":1248.5701},{"sentences":[{"text":"do 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can.","start":1252.01,"end":1252.41,"sentiment":"neutral","sentiment_score":0.06828727014362812},{"text":"Yes.","start":1252.41,"end":1252.91,"sentiment":"neutral","sentiment_score":0.11293432116508484}],"sentiment":"neutral","sentiment_score":0.03163092459241549,"channel":1,"num_words":15,"start":1248.9701,"end":1252.91},{"sentences":[{"text":"Yeah.","start":1252.97,"end":1253.47,"sentiment":"neutral","sentiment_score":0.1264701932668686}],"sentiment":"neutral","sentiment_score":0.1264701932668686,"channel":0,"num_words":1,"start":1252.97,"end":1253.47},{"sentences":[{"text":"Okay.","start":1254.3301,"end":1254.8301,"sentiment":"neutral","sentiment_score":0.1608412116765976},{"text":"Alrighty.","start":1255.4501,"end":1255.9501,"sentiment":"positive","sentiment_score":0.4194888174533844}],"sentiment":"neutral","sentiment_score":0.290165014564991,"channel":1,"num_words":2,"start":1254.3301,"end":1255.9501},{"sentences":[{"text":"Have a good one, 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portion of their retirement plan. They also mention settling a pension account and completing necessary documents, including providing instructions for completing necessary forms. The process for transferring funds from Super to a new retirement account is straightforward, and the speaker emphasizes the importance of living long enough to use all of the money. The speaker also discusses their investment account and plans to book the money book, while also exploring bond options and rethinking their investment portfolio."},"intents":{"segments":[{"text":"Larissa from. How are you going?","start_word":3,"end_word":8,"intents":[{"intent":"Inquire about family's well-being","confidence_score":0.000022928814}]},{"text":"Thank you.","start_word":12,"end_word":13,"intents":[{"intent":"Express gratitude","confidence_score":0.16387291}]},{"text":"I have been dead.","start_word":31,"end_word":34,"intents":[{"intent":"Discuss death","confidence_score":0.09411112}]},{"text":"My family just stayed away from me, and I slept.","start_word":65,"end_word":74,"intents":[{"intent":"Decline support","confidence_score":0.000013496953}]},{"text":"But, anyway, what And happens the tiling when we burn is the camel?","start_word":84,"end_word":96,"intents":[{"intent":"Recommend tiling","confidence_score":0.0006451004}]},{"text":"I think I think it's I haven't been, like, really sick. Like, I've been in the industry for ten years, and every year, there's always, like towards Christmas, I always kinda crash out. And I haven't been sick in probably two or three years, and I felt it coming on. And I was like, no.","start_word":118,"end_word":172,"intents":[{"intent":"Discuss recent crash","confidence_score":0.00008928329}]},{"text":"So I ended up crashing out, and even while I was crashing out, I had the members messaging, and they're like, can you help me with this one? I was like, absolutely.","start_word":218,"end_word":249,"intents":[{"intent":"Request assistance","confidence_score":0.028069}]},{"text":"Anyway, I've sent you the documents.","start_word":321,"end_word":326,"intents":[{"intent":"Request documents","confidence_score":0.04286023}]},{"text":"So it's a $110,000, exactly as I said in my emails, that we can flip into, like, a like, that that tax free portion. It's gonna Yeah. be prorated, so it ends up being, like, 78,000. As I said in my emails, that we sort of end up moving over to tax free, but it just helps out if anything happens to you, your girls don't pay. Yeah.","start_word":365,"end_word":432,"intents":[{"intent":"Calculate salary objectives","confidence_score":2.8223152e-8}]},{"text":"Anyway so And I if if you scroll down to page 15 of that first I document haven't as even well, opened it.","start_word":835,"end_word":857,"intents":[{"intent":"Analyze document usage","confidence_score":0.0005353495}]},{"text":"Well, we we won't have to rethink it, but we'll we'll you'll you'll be able to draw less on the on the account.","start_word":1027,"end_word":1049,"intents":[{"intent":"Draw less","confidence_score":0.02772299},{"intent":"Earn more money","confidence_score":0.0021628188}]},{"text":"Well, we we won't have to rethink it, but we'll we'll you'll you'll be able to draw less on the on the account. The the strategy is still gonna just we'll we'll have to pull less because we will have the pension available, or you can pull more. You can keep pulling the same amount. You'll just have more available to you, and you can live a little bit frivolously.","start_word":1027,"end_word":1096,"intents":[{"intent":"Pull more","confidence_score":0.43617558}]},{"text":"We can we can future plan that. Yes. I If can.","start_word":1179,"end_word":1189,"intents":[{"intent":"Plan future","confidence_score":0.16952848}]},{"text":"open a Swifter account because all your money is gonna be sitting in pension. You can't contribute to a pension account. So if you do pick up any any casual work, depends off it it depends if it's casual on the books or cash in hand, obviously. No. It won't.","start_word":1210,"end_word":1259,"intents":[{"intent":"Open swifter account","confidence_score":0.38268206}]},{"text":"The money that you have in the an account is still gonna be in pension account.","start_word":1374,"end_word":1389,"intents":[{"intent":"Verify account information","confidence_score":0.0061624}]},{"text":"percent is tax free sorry. It's taxable. It's basically that 77% that will that will convert into tax free. The rest Okay.","start_word":1872,"end_word":1893,"intents":[{"intent":"Evaluate tax conversion","confidence_score":0.00006795427}]},{"text":"But this allows us, if anything happens to you before we exhaust all the funds, to have most of it sitting for the girls. Now because we because we've done what we're doing, we can't put any money into your super fund, nonconcessionally, which is where that tax free portion comes from, Yeah. for three financial years. Okay. So the next time we can do this is the 2930 financial year. Okay.","start_word":2231,"end_word":2302,"intents":[{"intent":"Streamline financial plan","confidence_score":0.001058211}]},{"text":"you know, just sitting in the bank getting 3%. Yeah.","start_word":2426,"end_word":2435,"intents":[{"intent":"Discuss savings","confidence_score":0.0036662766}]},{"text":"But, like, if dad if dad passes in, say, the next twelve months, tap wood, then we could set up, like, an investment account. So we could we could have, like, a a an investment account sitting next to your super account because we can't Oh, put it okay.","start_word":2435,"end_word":2483,"intents":[{"intent":"Set up investment account","confidence_score":0.85120606}]},{"text":"I will look through this and try and sign it now so I can go and sit outside and enjoy. Yes.","start_word":2539,"end_word":2559,"intents":[{"intent":"Request investment account sign","confidence_score":0.000059724098}]},{"text":"The so we made changes to the investment portfolio Yes.","start_word":2751,"end_word":2760,"intents":[{"intent":"Speak to speaker 2, Change investment portfolio","confidence_score":0.00039532548}]},{"text":"And a lot like, a lot of them aren't moving. So is that gonna be relooked at? Because I think every like, we bought high, and some of them are not gonna go much higher in the shortfall. Like, gold went really high, but we were buying it when it was really high.","start_word":2773,"end_word":2825,"intents":[{"intent":"Review gold moving","confidence_score":0.0000030374847}]},{"text":"I'm I'm not too too too too concerned. Like, you don't have a large weighting in gold. I'm not overly concerned with where the assets sit right now, to be completely honest. Okay.","start_word":2825,"end_word":2857,"intents":[{"intent":"Update asset balance","confidence_score":0.0011402095}]},{"text":"And we can I can swap out any of the assets if I'm not happy or or derisk Yeah.","start_word":2945,"end_word":2963,"intents":[{"intent":"Swap assets","confidence_score":0.29466477}]},{"text":"I'm gonna send you a document, and Yeah.","start_word":3002,"end_word":3009,"intents":[{"intent":"Send document","confidence_score":0.48855948},{"intent":"Send document","confidence_score":0.19167016}]},{"text":"for another reshuffle again, aren't we?","start_word":3120,"end_word":3125,"intents":[{"intent":"Reshuffle asset","confidence_score":0.02793219}]},{"text":"That's There's probably probably gonna if anything, there's there's one asset that I might look at moving, but I'm gonna kind of I wanna settle I wanna settle everything and just push push everything Have it to all the pension in one account. place.","start_word":3126,"end_word":3169,"intents":[{"intent":"Assess asset status","confidence_score":0.023646666}]},{"text":"I I'm gonna I'm gonna sit on as soon as you soon as you sign, I'm gonna submit that application to get that money book booked. Okay.","start_word":3329,"end_word":3355,"intents":[{"intent":"Submit application for money book booking","confidence_score":0.068692416}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Carol. Larissa from. How are you going?","start_word":0,"end_word":8,"sentiment":"neutral","sentiment_score":0.157976895570755},{"text":"I'm very good. Thank you. That's good, my darling.","start_word":9,"end_word":17,"sentiment":"positive","sentiment_score":0.721703290939331},{"text":"How I was are you? Are you all better? oh, I am now.","start_word":18,"end_word":30,"sentiment":"neutral","sentiment_score":0.05400533974170685},{"text":"I have been dead.","start_word":31,"end_word":34,"sentiment":"negative","sentiment_score":-0.5168256163597107},{"text":"Oh, I am I don't even know what happened.","start_word":35,"end_word":43,"sentiment":"neutral","sentiment_score":-0.29386886954307556},{"text":"I probably should've put my butt in hospital. But, anyway, I kind of just died in bed for two solid weeks. My family just stayed away from me, and I slept. It was horrendous, to be completely honest with you.","start_word":44,"end_word":83,"sentiment":"negative","sentiment_score":-0.42079007625579834},{"text":"But, anyway, what And happens the tiling when we burn is the camel? always so awful, isn't it? Like, it's like it has happened at your end. It's just like, what? Oh, I know. I think I think it's I haven't been, like, really sick. Like, I've been in the industry for ten years, and every year, there's always, like towards Christmas, I always kinda crash out. And I haven't been sick in probably two or three years, and I felt it coming on. And I was like, no. No. No. We'll just we'll sleep. And then because it was end of financial year, beginning a new financial year type of period, like, I just wasn't sleeping because I was, like, ticking over in my head, everything, you know, as it does. And yeah. So I ended up crashing out, and even while I was crashing out, I had the members messaging, and they're like, can you help me with this one? I was like, absolutely. This is what I let this is what you should do, and they're like, thanks. And I'm like, that's okay. Go up in a ball and die again. So It just means that next time they don't have to ask you again. That's all. exactly. Hopefully, they've learned. Yeah. Yeah. No. No. That that was that was absolutely it. So it was fine. We we got it all done.","start_word":84,"end_word":318,"sentiment":"neutral","sentiment_score":-0.09675589203834534},{"text":"Good.","start_word":319,"end_word":319,"sentiment":"positive","sentiment_score":0.36429131031036377},{"text":"Good. Anyway, I've sent you the documents. Realistically so this is just an update to the advice I gave you last time.","start_word":320,"end_word":341,"sentiment":"neutral","sentiment_score":0.11219563877040688},{"text":"Yeah. So when you when you messaged, I literally sat there and went, actually, we should we we would definitely can do it.","start_word":342,"end_word":364,"sentiment":"positive","sentiment_score":0.3879033625125885},{"text":"So it's a $110,000, exactly as I said in my emails, that we can flip into, like, a like, that that tax free portion. It's gonna Yeah. be prorated, so it ends up being, like, 78,000. As I said in my emails, that we sort of end up moving over to tax free, but it just helps out if anything happens to you, your girls don't pay. Yeah.","start_word":365,"end_word":432,"sentiment":"neutral","sentiment_score":0.1414102464914322},{"text":"Nearly much tax or have as much taken away from them from an estate perspective.","start_word":433,"end_word":447,"sentiment":"negative","sentiment_score":-0.3679458200931549},{"text":"That's literally all it is. It's just basically the final two steps. It's a repeat of, obviously, that pension step. So once we flip the money, we'll reset up the pension account. But that's it. And then decreasing the pension down to $5,000 now that you've established that you don't want what was $78,000 a year. We're dropping Yeah. it down to the 6, which is $5 a month. That that can you spell off in an application form for me to be able to do the recontribution strategy? And then once that's settled, I'll flip flick you a quick email to say that it's done, and I'll do a quick flip of the pension accounts to remerge them. But that'll be after your October 1 August. August 1 pension payment. So Okay. this will So settle so at the moment, there's a lot of money sitting in a cash account not earning anything. in your bank account? No. And you're in hub twenty four. It's sitting in the cash account waiting for something to happen. The Yes. February? Yeah. Yeah. No. That's I wanted to talk to you first to get this done because the like, before it buys in, which I think is gonna literally buy in over the weekend, I wanted to submit this application just because it'll go through quicker than if Okay. I buy and do that. I don't I just didn't wanna delay everything. It's still earning. It's just obviously not earning the investment amount, but I wanted to get this one one first. Okay. So otherwise, pulls it.","start_word":448,"end_word":712,"sentiment":"neutral","sentiment_score":0.030111489852644363},{"text":"It it makes it a lot So it'll push it out a lot further.","start_word":713,"end_word":726,"sentiment":"positive","sentiment_score":0.33705151081085205},{"text":"signing the document, it's okay to do it online. I don't I'm sitting next to a river with nothing.","start_word":727,"end_word":745,"sentiment":"neutral","sentiment_score":-0.019344167783856392},{"text":"Absolutely. So You can do it online. So okay. it it should be in your inbox already.","start_word":746,"end_word":762,"sentiment":"positive","sentiment_score":0.4229165017604828},{"text":"I I sent it to I you before I I saw I it come in. I put my computer oh.","start_word":763,"end_word":782,"sentiment":"neutral","sentiment_score":0.0013290520291775465},{"text":"on so that I could try and be ready, and my computer's just been annoying the shit out of me.","start_word":783,"end_word":802,"sentiment":"negative","sentiment_score":-0.48584675788879395},{"text":"So just as well, I said, let me do it an hour later because I was on time, but just couldn't get the computer.","start_word":803,"end_word":826,"sentiment":"neutral","sentiment_score":-0.25830793380737305},{"text":"It was updating.","start_word":827,"end_word":829,"sentiment":"negative","sentiment_score":-0.3357987105846405},{"text":"I restarted about five times. Anyway so And I if if you scroll down to page 15 of that first I document haven't as even well, opened it. Oh, what do you mean the first document? Only got one. it'll have it's one document, but there's actually two. They're back to back, but it'll Okay. show as one. But, basically, if you scroll down to page 15 of the statement of advice, which is the first document, you'll see the projections as well. So I've popped that in there for you as well.","start_word":830,"end_word":922,"sentiment":"neutral","sentiment_score":-0.0499710887670517},{"text":"Oh, So excellent.","start_word":923,"end_word":925,"sentiment":"positive","sentiment_score":0.5228182077407837},{"text":"it shows Okay. shows the difference of because you have the two accounts open at the moment with the one for the tax free and one for, like, taxable. Yeah. After we merge them, the decrease in the pension payments, what that looks like ongoing for five and ten years. So while it's obviously gonna deplete slowly, it's it's actually gonna it's gonna pull you straight through. And then I didn't go any further than ten years because by the time we hit ten years, we're pension eligible, and we can obviously We'll have start to rethink up. everything again. Well, we we won't have to rethink it, but we'll we'll you'll you'll be able to draw less on the on the account. The the strategy is still gonna just we'll we'll have to pull less because we will have the pension available, or you can pull more. You can keep pulling the same amount.","start_word":926,"end_word":1080,"sentiment":"neutral","sentiment_score":-0.04769818725124482},{"text":"You'll just have more available to you, and you can live a little bit frivolously.","start_word":1081,"end_word":1095,"sentiment":"positive","sentiment_score":0.33403024077415466},{"text":"Yeah. Well, no. Because but then I think my my risk would be more cautionary, I'd say, Yes. with the money. Yeah. Okay. So another question, if I do casual work on the road, Yes. that still is okay because that's in the other cap. It's the non the non concessionary or whatever it is. So that's that's still will be will that be tax free to the kids, or will that just be part of our plan for future bringing it in? We can we can future plan that. Yes. I If can. you that we if you do end up picking up any work, just let me know so I can Yeah. open a Swifter account because all your money is gonna be sitting in pension. You can't contribute to a pension account. So if you do pick up any any casual work, depends off it it depends if it's casual on the books or cash in hand, obviously. No. It won't. If it's Yeah. yeah. If it's on the books, then they'll have to pay super, and that's fine. You just let me know if you pick up work. Okay. I'm assuming we're looking at, like, under 10 Because is that hours what if it you needs pick up to be? Under twenty a fortnight. yes. Yeah. Under 20 a fortnight Okay. to keep up because you're you're, like, you're retired, but if you do pick up a little bit of work, you can you can definitely earn. It's just there's rules and It regulations complicates to it. All it complicates things. the it it it does. Just a little bit, but nothing crazy. The money that you have in the an account is still gonna be in pension account. It's the pension phase. It's just it's just yeah. It just adds a little bit of a layer, but nothing nothing strenuous to it. Okay. Alright. And chances are the kind of work is you do some admin and then you stay free at the property kind of thing. You know, it's that kind of work. So you don't pay a site fee. You just stay there for nothing. That's the kind of work I'll probably end up picking up.","start_word":1096,"end_word":1468,"sentiment":"neutral","sentiment_score":0.06690334476750275},{"text":"Oh, I love.","start_word":1469,"end_word":1471,"sentiment":"positive","sentiment_score":0.4420958161354065},{"text":"Yep. No. Fair. Fair. Fair.","start_word":1472,"end_word":1476,"sentiment":"neutral","sentiment_score":0.18135644495487213},{"text":"Absolutely.","start_word":1477,"end_word":1477,"sentiment":"positive","sentiment_score":0.33858564496040344},{"text":"Yeah. I have a couple of clients that way. Okay. I have I have a I have a client that actually lives on a lives on a farm stay, and he doesn't earn any money unless he goes and works in the cafe, but everyone basically earns their keep by tending to the gardens and all of the fruit and Yes. everything and veg in the gardens goes into the cafe. It's kind of Yeah.","start_word":1478,"end_word":1552,"sentiment":"neutral","sentiment_score":0.10341819375753404},{"text":"a cute little system. I love it.","start_word":1553,"end_word":1559,"sentiment":"positive","sentiment_score":0.6623007655143738},{"text":"It I won't. love it. Yeah. It's in the middle of bum nowhere, but Yes. he's great. You didn't say that right. From what? Nowhere? Yeah. Bum nowhere. Oh, funny. Okay. My understanding so you said it was prorated. Is that because it's prorated between the accounts? Yeah. So it's pro rata, meaning that it'll take from each of the it it'll it'll basically take the a portion. So a portion of the account just pro rata instead of yeah. So pro rata is a portion of that account and just and and literally just slide it to the other Okay. account. Okay. So so the way the Because contribution the other goes account's already got some. yeah. So the the the $400,000 account has all of the tax free money, whereas that $200,000 account has the taxable funds. Yes. Okay. So the taxable funds, we're gonna do that 110. It'll pull it'll pro rata. So the way the recontribution actually works and if you, like, if you physically just sit and watch the accounts, it's quick. But, basically, Yeah. what happens is the money will leave that $200,000 account. The Yeah. 110 will literally pop over to an investment account. So it leaves the super super super environment, but it slides it over so you don't pay you don't pay any any tax on it. You don't pay any sell downs or anything like that, and Okay. then it slides over into the new account. Then But once it's that'll not a 100 happen but you're saying mhmm. it's 76. It'll be a so it's a 110,000 that will do will that will move, but Mhmm. any money that moves between any money that's withdrawn from Super always happens across like, evenly across the tax free and taxable portion. So because you have it's, Okay. like, 77.5554, something like that, Yeah. percent is tax free sorry. It's taxable. It's basically that 77% that will that will convert into tax free. The rest Okay. of the money that the the the sort of 23% will just move tax free and stay tax free. Okay. I still don't understand, So what but what I'm the full I'm trying 100 to see and 10 it. yeah. So it's so super can can be held in three different components. Tax free, taxable, and untaxed. Untaxed means that it's never been taxed by a super fund or a or by your marginal tax rate, so personally. Okay. So Taxable that would be the $2.80 and the 100 that I brought over from pension in The UK. you you have nothing that's untaxed. All your money is taxable or tax free. The tax Okay. free funds are essentially anything that you've put in and you've paid your highest marginal tax rate at, which theoretically would be The UK pension, but I can't confirm Okay. No. whether it is because I obviously haven't been able to track that from the establishment as I said in my email. Okay. And when I get paid, it comes out of the tax free piece, It'll not in come out the it'll come out pro rata of the two of them. oh, okay. Yeah. Okay. So everything comes pro rata. So the five so you'll have majority of money sitting tax free, but it and it'll come pro rata across. So every time the $5,000 comes out, to pay like, your account will be sitting very, very, very heavily in the tax free portion. Most of it will come from the tax free portion, and it will just keep going out like that.","start_word":1560,"end_word":2162,"sentiment":"neutral","sentiment_score":0.025048313436915427},{"text":"Obviously, my hope is is that you you use all of the money and that there's like, that you live long enough to use all the money, and we're not, Yes. you know, we're not while we wanna leave something for the kids, your life and your enjoyment is what you worked hard to get. Yes. And that's what my hope is for most of my clients.","start_word":2163,"end_word":2229,"sentiment":"positive","sentiment_score":0.5239343047142029},{"text":"Yeah. But this allows us, if anything happens to you before we exhaust all the funds, to have most of it sitting for the girls. Now because we because we've done what we're doing, we can't put any money into your super fund, nonconcessionally, which is where that tax free portion comes from, Yeah. for three financial years. Okay. So the next time we can do this is the 2930 financial year. Okay. So if my dad dies, I just save it somewhere. Yep. We No. can Because look at it putting would like be a better it would be better oh, no. Because I'm on a pension thing, so I can't put it into super. estimate account. You you can still put it into Super. It's just we create like, we create a Super account, pop it in, and then we just remerge the the pension account. And Okay. it's it's a little bit of paperwork, but it's not impossible. It's just a couple of steps like we've done already. Yeah. But it would it would be a substantial amount, and it I would rather it was safe there than it would be, Yeah. you know, just sitting in the bank getting 3%. Yeah. But, like, if dad if dad passes in, say, the next twelve months, tap wood, then we could set up, like, an investment account. So we could we could have, like, a a an investment account sitting next to your super account because we can't Oh, put it okay. into the super but we could have a what's called an IDPS. So it's a an a personal investment account where we could still in we could still do everything there, and you could draw down on some of the money if and when you needed it. Okay. Okay. Alright. I think I'm clearer. Okay. I will look through this and try and sign it now so I can go and sit outside and enjoy. Yes.","start_word":2230,"end_word":2559,"sentiment":"neutral","sentiment_score":0.04314617660235275},{"text":"You can go have a drink for Friday afternoon.","start_word":2560,"end_word":2568,"sentiment":"positive","sentiment_score":0.36594295501708984},{"text":"I already am.","start_word":2569,"end_word":2571,"sentiment":"neutral","sentiment_score":0.29588210582733154},{"text":"Honestly, if you could see my view, it is so pretty. I'm on the river. Somebody's farm. They do people come and stay. And, you know, you've gotta be totally self sufficient, and it's just stunning. Stunning. Stunning. Stunning. I absolutely love.","start_word":2572,"end_word":2613,"sentiment":"positive","sentiment_score":0.48790881037712097},{"text":"So okay. I heard dogs barking, so I'm guessing you're working from home. I'm sorry. Oh. No. Oh, yeah. No. Fri Fridays, I work from home. It they it allows me to spend a little bit of time with my kids, so I generally go walk down and drop them off at school and then go pick them up at 02:30, but I forced my husband to come home tonight and or this afternoon, and he's done Sorry. the school. So no. Oh my gosh. Don't even worry. It's so fine. I I generally sit at the kitchen table with them on a Friday afternoon. I do my homework, and they do theirs.","start_word":2614,"end_word":2726,"sentiment":"neutral","sentiment_score":0.11378302425146104},{"text":"So it works out nicely anyway. Lovely.","start_word":2727,"end_word":2733,"sentiment":"positive","sentiment_score":0.4539765417575836},{"text":"Oh, okay. Well, enjoy, and I will speak to you again. Oh, sorry. One more. One more. The so we made changes to the investment portfolio Yes. when Donald started all his shit with the tariffs and everything. And a lot like, a lot of them aren't moving. So is that gonna be relooked at? Because I think every like, we bought high, and some of them are not gonna go much higher in the shortfall. Like, gold went really high, but we were buying it when it was really high. I'm I'm not too too too too concerned. Like, you don't have a large weighting in gold. I'm not overly concerned with where the assets sit right now, to be completely honest. Okay. While So even though go there's yeah. been no movement and losses over, like, the the gains and whatever They even nicely. Okay. Yeah. And and we haven't bought everything high because you've been putting money in regularly throughout. I didn't sell everything. You've held some of these assets for quite a long time. I'm it it it distributes through. And don't be wrong. We will still be in contact. So you and I can we can still email, and we'll still I'll still call you anyway. And we can I can swap out any of the assets if I'm not happy or or derisk Yeah. or or move some down? So if I see anything that is alert like, alarming to me, I'll flick 10. you an email and say, hey, bud. I wanna I wanna move this. Are you okay with that? I'm gonna send you a document, and Yeah. Some we'll just of the older ones have done well and are still doing well. It's some of the newer ones that just haven't. You know? That's yes. that's always, And I then guess, the way. yeah. There's there's always ebb and flow. There there really, really is. Like, across across your account as a whole, like, gold's gone up $10 Yes. with every you're holding.","start_word":2734,"end_word":3075,"sentiment":"neutral","sentiment_score":0.0115631106050892},{"text":"So it it's it's all moved really, really nicely.","start_word":3076,"end_word":3084,"sentiment":"positive","sentiment_score":0.5217279195785522},{"text":"So I'm not I'm I'm really, really, really honestly, I'm not concerned. Yes. The Okay. market's gonna ebb and flow a little bit, but it's Yeah. it's Oh, well, doing we're probably really due well. for another reshuffle again, aren't we? That's There's probably probably gonna if anything, there's there's one asset that I might look at moving, but I'm gonna kind of I wanna settle I wanna settle everything and just push push everything Have it to all the pension in one account. place. Yeah. Yeah. Get it in that one place, and then I'll sit down and have another look at it. There's only Okay. one, which is the banking hybrid, which is your BHYD that I wanna probably look at moving, and that's mainly legislatively because they're being phased out. While I'm not Oh, unhappy okay. with how it's going, Yes. I'd I wanna know. get out It's it's doing well. before Yeah. that asset Okay. Okay. before that asset phased out, Okay. and it does take a bit of a dive, Okay. I wanna jump out of that. But I'll wait till we're in the pension account before we start moving because And it'll that'll be interesting make to know where you wanna put it. right. I've got a couple of bond options that I've started looking at for a few of my clients, but I'll see how I go. Okay. Too well.","start_word":3085,"end_word":3321,"sentiment":"neutral","sentiment_score":-0.011289727980200248},{"text":"Thank you, my girl.","start_word":3322,"end_word":3325,"sentiment":"positive","sentiment_score":0.34219464659690857},{"text":"No. That's okay. I I'm gonna I'm gonna sit on as soon as you soon as you sign, I'm gonna submit that application to get that money book booked. Okay. Thank you. Because book book is how we're going for a Friday afternoon. I knew what you meant. Yeah. Exactly. Yeah. Okay.","start_word":3326,"end_word":3377,"sentiment":"neutral","sentiment_score":0.09013282507658003},{"text":"Thank you. Have a lovely weekend.","start_word":3378,"end_word":3383,"sentiment":"positive","sentiment_score":0.5964844226837158},{"text":"That you too. If you have any questions, send me an email because our phone lines are off now. Oh, okay. So you won't be able That's to it. get Thanks, through. Larissa. Yep. No. It's okay, Carol.","start_word":3384,"end_word":3421,"sentiment":"neutral","sentiment_score":0.05996790528297424},{"text":"You have a good one.","start_word":3422,"end_word":3426,"sentiment":"positive","sentiment_score":0.7768099904060364},{"text":"K. Send me a Thank photo you. of your of your view when you have a chance. I I can't do love because seeing them. it's oh, I can do it on Facebook. I mean, on email. I can. Yes. Yeah. Okay.","start_word":3427,"end_word":3468,"sentiment":"neutral","sentiment_score":0.05048556253314018},{"text":"Alrighty. Have a good one, darling. Thank you. Bye.","start_word":3469,"end_word":3477,"sentiment":"positive","sentiment_score":0.5857130289077759},{"text":"Bye.","start_word":3478,"end_word":3478,"sentiment":"neutral","sentiment_score":0.22579002380371097}],"average":{"sentiment":"neutral","sentiment_score":0.04586022636343299}}}}